Consumer complaint received 2021-07-12
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PLANET home LENDING RECEIVED a loan transfer from XXXX XXXX XXXX XXXX XXXX ) My loan as it shows from response from XXXX  to my XX/XX/XXXX complaint of fraud to CFPB thier response XX/XX/XXXX had a sheet of a break down showing my payments and taxes YET THE XXXX  XXXX XXXX DOES NOT SHOW THAT AMOUNT AND HAS MAILED REFUNDS BACK TO XXXX  {$700.00} i know of tax office sent to my email .XXXX  shows the XX/XX/XXXX PAYMENT MADE {$980.00} + {$760.00} i made over the phone with XXXX  COMPUTER SHARE CORPORATE OFFICE ( XXXX XXXX i FORWARED it in the emails XXXX CONTACT CENTER i have source I will mail some additional facts. SHE WAS SUPPOSED TO BE a resolution dept .Another XXXX. XXXX XXXX after hundreds of calls you can see just the 20 emails and over 270 pages faxed sheet is attached phone calls are about 100 when I found out in XX/XX/XXXX .WHAT XXXX was doing trying to sabatoge my tax payments..XXXX  never me called back neither did anyone from XXXX call or email or send with any attempt to resolve ... ONLY THE LETTER TO SAY LOAN WAS TRANSFERED XX/XX/XXXX AND they had a goverment agency sent them a letter CFPB not any response at all XX/XX/XXXX XXXX  response to complaint.THE May payment did not get transfered to PLANET HOME LENDING told me ( XXXX  ) customer service she said ..when i called back she said i could ask for her THAT DID NOT HAPPEN you can ask NEVER THERE ON THE PHONE ETC XX/XX/XXXX ALL OF XXXX was spent trying to get answers about when i could get a loan number WITHOUT IT SHOWING AS XXXX payment when XXXX WAS MADE I TRIED TO register to make a XXXX PAYMENT could not i will mail proof. finally end of month I called in to make XXXX PAYMENT WAS NOT ALLOWED TO REGISTER they gave me a email that was another failed attempt my file i sent shows how many times i emailed When you call to see if they have emails and is there anyone who can help response is it takes time ... I said you received loan XX/XX/XXXX WITHOUT the XXXX payment or the in suspence amounts or the unapplied amounts said XXXX Planet Home Lending said only thing shows starts from XXXX and Planet can not get any information on the {$760.00} didnt show or XXXX payment.HERE IT IS XXXX AND IAM STILL IN THE DARK as to where the money is that i paid why suspense what is unapplied and suspense???? 

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THE spread sheet sent to CFPB does not show what PLANET HOME LENDING says.THE XXXX  XXXX collector has a complete different amount the unapplied and in suspense is still a MYSTERY TO ALL XXXX  AND PLANET HOME LENDING USE THE WORDING IN SUSPENSE, ,after that I WAS told if I made a XXXX PAYMENT it would be XXXX ( even with my proof ) IS THIS WHAT is acceptable? XXXX FIRST interferes tax payment owner having tax sent back to owner and even the XXXX getting refunds while trying to convince all the they paid taxes yet XXXX XXXX STATEMENT SHOWS no tax problem all.Planet home lending is carring the torch to ask for funds not get the credit out of so called suspense WHAT IS THAT HAS NO EXPLAINATION GIVEN. XXXX sent to CFPB showing THE XXXX PAYMENT made AND THE {$760.00} MADE ON XX/XX/XXXX TO THE RESOLUTION DEPT OF COMPUTERSHARE ALL IN UNAPPLIED FUNDS OR SUSPENSE ... ... NOW PLANET THINKS THEY CAN NOT JUST CHARGE A LATE FEE,,,,, ,THEY ARE SHOWING I am BEHIND A MONTH ... ..SEE THE PROOF IN WHAT I SENT FROM the BANK .All of this while i made PAYMENT ON THE PHONE WITH SO CALLED CORPORATE .... ITS A SCAM TO PUT PEOPLE BEHIND SO THEY CAN go to FORCLOSURE ..THE facts are there via my bank statements I CANT KEEP UP WITH THE DIRTY TRICKS, THERE IS NO ACCOUNTING METHOD no REAL OFFICE OR OVERSIGHT ..only what the MOB BEHIND THIS decidesThere are no real depts at all. Only people who have to answer phones at call centers .I was told i was speaking to a tax dept then the girl said no she was customer service,,, ,statements that do not tell you what is being done .amounts that say just say in suspence or unapplied. Planet asking for money charging late fee and saying a month behind ... when none of it is true ... ... ... making no sense of how they are justified to do so ..trying to charge {$380.00} a month in impounds when they showed CFPB TAXES ARE ONLY {$150.00} A MONTH AND THE OWNER ME sent in my taxes if XXXX  would not have interfered the tax office sent me back {$600.00} and after they cashed my tax payments ... ..sent back to XXXX  {$700.00} i know about .SO HOW CAN A IMPOUND ACCOUNT BE IMPOSED??? I HAVE SENT PROOF OF MY TAX PAYMENTS I WILL DO IT AGAIN ..DUE PROCESS FOR OWNING PROPERTY ALLOWS THE OWNER TO PAY WITHOUT interferance with sole intent to defraud ... ... XXXX XXXX XXXX WOULD NEVER SEND OWNERS PAYMENT BACK with no explaination and take another payment in place of it..WHILE owner has montly statements that do not show what XXXX  did until XXXX OF XXXX three months after they PERPUTRATED THE SCAM

Company response to consumer: Closed with explanation