Consumer complaint received 2017-11-03
Company: Home Point Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Nothing but problems with this XXXX XXXX XXXX XXXX so sending this to cooporate and talked with them earlier today waiting for a call back. Been trying to close on my loan now the last month. I been very patient and understand. Until I get lied to over and over. I been social worker for over 20 yrs and i have not dealt with such chaos and i dealt with hi risk juvenile that acted more profession. I have got feed bad from other leading lenders in the bussiness actually two in the top five. From the begining the loan officer XXXX begged me to come back to them to refiance there loan called me called me callend me they sure want the loands interest bad but i have recieved very minimal help. I never knew that the customer had to work a 6 hr shift for 2 weeks to get the correct doucumentation. I was told get this they wont talk to me get that he wont talk to me. This all over which XXXX has finally addmitted it was there fault they dropped the ball a yr later come to find out tital work wasnt done tech homepoing not even on there title the courthouse douments. I pai XXXX dollers for this and requesting that I get this money back I had toi do the work last 2 weeks I have sent home point past loan documents called  previous lender which i shouldnt if have to he has nithing to do with this. I ended up calling the titale compnay that did this. I eneded up going to the court house at XXXX in the morning saying it is home point finacial mistake after two week or more finally come out after they said it was my resposibility no it isnt I am not a titale company this is not my field. So as of today ill attach get email still not fix previous emails were saying itll be done quick it was said i was suppose to close last week. The i was ask to get the appraisal from another agnexy got it but didnt have the program to opwen an xml file. Call computer guy and syaing appraisl company have these programs very exspensive. Talk with supervisor ethan couple times now and I knwo he has not looked over file before calling because he sated he had no clue wat was going on so i exsplained everything to him. recently he said that i was verbaly abusing his staff. I was not abusing his staff and my frstarations were not directed at them i simply said this is XXXX im not getting help from the loan officer who knwos was the other departments are doing they say they do have acess to my file that is a lie, after checking with two major lender compnays they do have acess to my past fiel they do have access to the titel compnay who did this there should not be lien on proprety they shoudl have took care of this so as i am being lied to over and over it gets frustrating this is an agency home point that should be helping me through this process like i touook the time out of my scheddule to work countless hrs on this even being on phoen and computer from XXXXXXXX XXXX to XXXX XXXX in the moring trying to figure out with microsof support how to open rfile that was requested from XXXX libby. I did not apprciate todat that the supervisor ethen rubbed it in my face that i filed a complaint with other lender too. Thats because I was hellping homepoint get the paperwork they were not trying to get so i did watever i could to get them it and i did it doesnt matter who i file a complaint with if lebnderes arnt doing there job and screwing the customer I have no problam file complaints. so rubbing it in and saying to me oh the CFPB wont do anything they dont do anything well yes they have helped me out before. And i was told to use them in this case that this hole thing is nonsense XXXX XXXX should be taking care of therir mistake this is no one elses. XXXX did say he would figured something out with the XXXX dollers and he did drop the loan a quarter percent after i had to get on them however i do want this lien off my tital propery and i would love rembusment for the time i spent running around town calling and getting paper work for this loan this was not my responsibility I been sick over this havrn frelt good at all had to change my plans last few weeks and once again i dont appreciate the lies afte lies this company has given me from they cant give me the numbers on the loan they cant give me cooperate adress they dont have access to my fine and the list goes on I dont buy it at all. Im firm believer owning up for ur mistakes and do something about it I should not have to have gone and going through all this stress as of now I am communicating with coorpoarte now to solve these issue the guy I talk to at Coporate was nice and said that I should not be treated like this and I am a previous customer how sad and disappointing. Get very frustrating when im told going to close beging of week and nother week passes. Theres always something and there not honest and up front with everything its like everythings a secret i dont have time to just wast here

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