Consumer complaint received 2016-03-07
Company: The J. G. Wentworth Company
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our never ending saga with XXXX XXXX and now JG Wentworth continues. ( After 25 years of being a XXXX XXXX policy holder, they denied a covered flood claim. They denied the claim verbally but never in writing. We went all the way to mediation with no written denial. After many months and much of our time they paid the claim ). Then, XXXX XXXX did not renew us on XXXX/XXXX/15, they did this without any cancellation notice. The local office agent informed us of the cancellation verbally over the phone the week prior to the XXXX of XXXX and we never received a renewal certificate before XXXX/XXXX/15 ( the date of renewal ). That prompted me to contact XXXX XXXX at the Florida Department of Financial Services because it is illegal to cancel without 90 days of notice. I hoped the state would take punitive action against XXXX XXXX. They left us with no time to rectify the situation. The mortgage company who was XXXX mortgage at that time, demanded that we immediately get homeowners insurance and we did not want to go uninsured. Please see attached correspondence from XXXX Mortgage that insurance had expired ( attachment- " Doc- State Farm Insurance Expired '' ). XXXX was notified that XXXX XXXX had n't renewed us. I got insurance through XXXX because we had too. I called and notified XXXX that I was not using XXXX XXXX on XXXX/XXXX/15. I have attached XXXX 's letter of confirmation of that conversation ( doc " confirmation from XXXX Mortgage Confirming that I changed insurance '' ). I told them we had procured insurance with XXXX and not to pay XXXX XXXX " no matter what ''. XXXX XXXX paid the bill to XXXX XXXX XXXX for {$1700.00} on XX/XX/XXXX ( please see attached documentation ). I called the local XXXX XXXX XXXX XXXX office and canceled all insurance, including my autos on XXXX/XXXX/15. I emailed XXXX, from Florida Department of Financial Services, while at the airport, leaving for XXXX XXXX, on XXXX/XXXX/15. I explained that we had gotten new insurance. Please see email below. The next month XXXX sold my mortgage to JG Wentworth. XXXX XXXX illegally sent JG Wenthworth a bill ( 3 months after my cancellation ) for {$1900.00}, which for some unknown reason, XXXX XXXX paid on XXXX/XXXX/15. How did they even get a bill???? How did XXXX XXXX know my mortgage company changed? JG Wenthworth did not notify me of the payment. My monthly mortgage payments just went up several months after that when they did an escrow audit. They said the escrow was negative. Of course it was! They did n't question the fact that escrow had just paid the homeowners insurance 3 months prior to XXXX. They did n't check their records. They unreasonably, and unquestioningly paid another policy for homeowners insurance on XXXX/XXXX/15 with my escrow. That was more than 3 months after the original policy renewal date which expired on XXXX/XXXX/15. Then, they charged me. I need help from the state .... again. XXXX XXXX refunded me {$800.00}. I am owed by JG Wentworth {$1000.00} which they refuse to credit back to my account. This is the mortgage company 's error. XXXX XXXX also needs to be held accountable for their illegal practices and they need to refund that money to the mortgage company. XXXX XXXX and JG Wentworth have embezzled from us {$1000.00}. Please see all the documents pertaining to this. Thanks again for your help.

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