Consumer complaint received 2018-02-25
Company: Stearns Ventures, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
( CFPB ) COMPLAINT # XXXX Amended XX/XX/XXXX XXXX  VS XXXX XXXX XXXX COMPLAINT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX + more XXXX XXXX XXXX XXXX XXXX XXXX ASKING FOR RECTIFICATION WITH OUR : XXXX XXXX, XXXX XXXX VA MORTGAGE LOAN CORRECTLY.

TAX EXEMPTION NOT APPLYING AT ALL.

VS : Breach of Contract with Americans with Disability Act Law.

STATE OF XXXX  ASSESSOR ; REFUSED TO ACCEPT MY TAX-EXEMPTION XXXX BENEFIT ON OUR VA HOME-LOAN. I AM XXXX XXXX XXXX VETERAN. XXXX XXXX. IT DEEMED TO BE A BREACH OF LAW : TO AMERICANS WITH DISABILITIES ACT. ( ADA ). WE FELT DEFRAUD WITH OUR ESCROW PAYMENTS DUE TO : REFUSED TO APPLY MY TAX-EXEMPT TO our ESCROW. I also hope our tax-exemption Will refund to us. As we are paying TAXES for our Escrow Mortgage. First payment written in XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.

In reference to our Mortgage Loan with XXXX, I am discovering Unscrupulous, Maladminister activity with our Mortgage Loan. As far as my ( Tax-Exemption # XXXX ) plus ( Parcel # XXXX ). VA Mortgage Rule & Regulations never been considered. It is a violation of our Civil Liberty Rights and Fundamental rights. I am " XXXX XXXX XXXX XXXX XXXX Veteran ''. ALSO : Interest Rate put upon our VA Mortgage Loan incorrectly : IS A VIOLATION OF CONSUMER Law & BUSINESS LAW PLUS : FEDERAL LAW breach by Stearns.

Fundamental Rights Violation for locking me out until next year renewal of ( Tax Exemption ), is a breach to me : Americans with Disabilities Act ( ADA ) of XX/XX/XXXX. Which deem to be in Violation of Civil Liberty Rights & Fundamental Rights violation. And the ( ADA ) ACT LAW ; Breach of Federal Law.

Also ; addresses from different states this Mortgage Loan involved with. To which we dont know which states we suppose to respond to : if we have to disputes any Maladminister matters in the future.

We are trying to bring the light of Righteousness ; Justice to our Mortgage matters. And also ; irregularity condition within our house floor : noises sounds defectives with our floor not tack down accordingly. And the GARAGE ITSELF HAS SEVERAL BIG CRACKS BECOME WIDER & bigger in shapes.

XXXX XXXX were told during the building of our home in XXXX XXXXXXXX XXXX XXXX XXXX. That I am XXXX XXXX XXXX  Veteran which falls under Americans With Disabilities Act ) ( ADA ) XX/XX/XXXX.

I XXXX XXXX XXXX  on in-level ground, up hill or downhill due to injuries to my XXXX XXXX from the Military. XXXX  left our yard with Rough Finished ; rocks, & trucks tire marks ditch on the ground, kind hard to get around them, plus ; the A/C sets on the Ground ; when it rain, water will run right through the ( A/C Unit will damage eventually ). for notification wise in case.

Between the house Foundation and the Patio : front and back has cracks ; crevices ; water disappears into these crevices : and not flowing out away from underneath the house foundation. We wonder ; what will it be like after a year or so in the future, etc. We dont think this house is worth the price set for : {$XXXX}, XXXX dollars, single story home. In addition : XXXX rushing us signing ( Documents ) to this home before it was ready. Total willful artifices type of deal to protect themselves from any defective outcome in the future perhaps!

And also ; making us signed more papers for late changing with the Architecture plans ; for some devious reasons. Ample of unscrupulous, maladminister works we discovered with our home purchase with XXXX, VS. XXXX XXXX XXXX XXXX. Our homestead Tax-Exemption for XXXX XXXX during XXXX XXXX in Military. Plus : XXXX XXXX training Exercises. I XXXX XXXX  from United States XXXX  ; and, United States XXXX XXXX. Served Military from XX/XX/XXXX through XX/XX/XXXX.

Again, we received letters from Stearns Lending Dated XX/XX/XXXX., and, another one on : XX/XX/XXXX. Begging us to have our house Refinance through them again? Is there something wrong, that we do not know about? Also ; XXXX XXXX XXXX ; is Transferring our loan payments to XXXX state ; after we disputes Maladminister activity with our VA Home Loan with them. It brought lots of serious concerns to us about : WILFUL ARTIFICES, & Willful Concealment, Willful Frauds activity of some sort. Disseminating activity with our Mortgages to other companies : asking us to have our home REFINANCE THROUGH THEM, in a desperate demand. We feel harassed by these company desperation : to have our home Refinance through them, with dishonest financial ads deem to be gouging us Financially perhaps, Maladminister activity are willful suppressed. We moved in to our NEW HOME since XX/XX/XXXX. We are hoping that ; XXXX isnt misleading, and, deceiving us with their Manipulation activities. IN addition : LOTS of CRACKS INSIDE OUR GARAGE FLOOR ; ARE GETTING BIGGER AND WIDER ; the house is only 2 months old when we noticed the cracks. AND, I AM CONCERNS WHAT THE HOUSE FLOOR LOOKS LIKE UNDERNEATH THE WOOD COVERING FLOORING. WE WOULD LIKE TO GET OUR MONEY WORTH PURCHASING SUCH BRAND NEW H0ME FROM XXXX. HOME amount : {$XXXX}, XXXX. " We made SEVEN PAYMENTS ALREADY. amount {$1800.00}. FOR : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, Also ; interest rate too high for a VA Home Loan Purchase. We feel like XXXX XXXX XXXX is what Stearns LLC vs XXXX has doing to us. In violation of the CONSUMER LAW, and our Civil Liberty Rights, Fundamental rights. FALSE STATEMENTS STATUTE 18 U.S.C. 1001 might fall under. We want JUSTICE prevail with our Mortgage financial foremost. Otherwise : " PUNITIVE DAMAGES WITH INTANGIBLE HARM SUCH AS PAIN AND SUFFERING MUST consider, INCLUDING FINANCIAL LOSS ''.

Sincerely : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXHomeowner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation