Consumer complaint received 2019-03-05
Company: Union Home Mortgage Corp
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I made 2 mortgage payments during that month. The first payment of {$2500.00} was made on XX/XX/XXXX which was for my XX/XX/XXXX due payment, and the 2nd payment of {$2500.00} made on XX/XX/XXXX which would have paid my XX/XX/XXXX payment. I then proceeded under the assumption that I was 1 month ahead in paying my mortgage payment. I made 2 mortgage payments the month of XX/XX/XXXX as well. The first {$2400.00} payment on XX/XX/XXXX and the 2nd on XX/XX/XXXX. When I then made my next mortgage payment on XX/XX/XXXX, I was under the assumption that XXXX payment was to be applied to XX/XX/XXXX due payment. 

It wasnt until I received a call from Union Home Mortgage during XXXX asking when I was going to make my now late mortgage payment. Confused as I was, I asked questions regarding payment history as I should have been 2 months ahead in payments. XXXX XXXX XXXX proceeded to tell me I was incorrect, that I was not ahead any payments but paying for the current month, and that the 2nd XX/XX/XXXX payment made on XX/XX/XXXX was returned to me. They claimed to have returned that second XX/XX/XXXX. I have disputed this many of times with Union Home mortgage payment servicing department, with no avail. I have also submitted the included documentation to this claim that proves all payments were received by Union Home, along with my XXXX XX/XX/XXXX bank statement showing all Debits by Union Home but No credits back. There is no record of any refunded mortgage payment to me. 

With almost a year of disputing this with Union Home, I began to receive mail from Union Home regarding difficultly to pay, and nonpayment procedures, and possible repossession of property is payments not made. I had no choice but to try and refinance with another mortgage company On XX/XX/XXXX Union Home was asked to submit my mortgage payoff, and upon review the payoff listed by Union Home Mortgage is incorrect. It does not account for the XX/XX/XXXX payment, nor any double payments made in one month since XXXX. 

With this explanation, I have also attached and provided my bank statement from XX/XX/XXXX XX/XX/XXXX showing all debits from Union Home and proof of no credits or returned payments. Also, included is a monthly mortgage payment history provided to me by Union Home Mortgage. It clearly shows all of my monthly made payments, with the false returned XX/XX/XXXX payment. Union Home Mortgage also provided me a receipt with each monthly made mortgage payment, which I have included here as well, along with the XX/XX/XXXX payoff that has the incorrect payoff amount. 

In resolution of this, I would like for Union Home Mortgage to correct the false reporting to my credit report stating a 30 day late for XX/XX/XXXX and XX/XX/XXXX which they have made, and correct the reporting to read current, and no late payments made. I would also like for the XX/XX/XXXX {$2500.00} payment to be refunded to me, as I have now refinanced this mortgage with the incorrect payoff provided by Union Home Mortgage. On XX/XX/XXXX, Union Home Mortgage without notice or authorization deducted a payment of {$2800.00} payment from my checking account. I did not authorize this payment or debit, nor have I ever signed an ACH agreement allowing Union Home to auto withdraw any payments. I would also like this payment of {$2800.00} returned to me, as the mortgage payoff did not have that payment included in the payoff amount. 

Provided is all documentation showing these debits, and confirming no credit from Union Home Mortgage. Also, I have included the incorrect credit bureau reporting that shows 30 day late for XX/XX/XXXX and XX/XX/XXXX which needs corrected and I would like for Union Home to correct the reporting to all 3 credit bureaus reporting no late pays in mortgage payments. In total, Union Home Mortgage owes me a refund of {$5300.00} in non-recognized mortgage payments, and {$350.00} in charged late fees for payments that where not late. There was also an excess of Interest charged to the Loan Payoff sent, with {$1100.00} paid and needing refunded to me.

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