Consumer complaint received 2016-04-27
Company: PLAZA HOME MORTGAGE, INC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016, I refinanced my mortgage with a company with a company called XXXX, who brokered and funded the loan. At settlement I was directed to make the first mortgage payment to the mortgage link which I did. Shortly after the first payment went out I received a letter from Plaza Home Mortgage informing me that they had obtained the loan and that further payments were to be made to them. On XXXX XXXX I received a call from Plaza Home Mortgage informing me that I had not made my first month 's mortgage payment. I informed them that the payment had been made to the mortgage link and that they should contact the mortgage link to to resolve the matter. The person on the phone ignored whatever I said to her and continued to demand payment I told her that I would not provide any other payment since the payment had already been sent. The following day I received another call and I informed them that the payment had been sent and that they should contact the mortgage link to resolve the matter. On XXXX XXXX I made a three-way call with XXXX and Plaza Home Mortgage. We were assisted by a lady name XXXX and she informed them that the check had been endorsed over to Plaza home mortgage and sent to their XXXX PA office. She then emailed copies of the front and back of the check and the endorsement and all information associated with the transfer to Plaza home mortgage. The gentleman on the phone noted that some of the information Plaza had provided to XXXX was incorrect. He then stated that he would work to find the check. Approximately two days later I 've I received another threatening call from Plaza home mortgage and demanding that payment. I asked the person on the phone if they had no information regarding the dispute about whether the had been made. She also demanded copies of the front and back of the check I told her that dissenter already been sent she then ignored that and continued to demand payment. When it became obvious that Plaza home mortgage would do nothing to resolve the matter but demand payment I decided it was time to seek legal advice. 

Before doing so I made one last ditch effort to resolve the matter I found a lady on their website who seem to be somewhat helpful she took my information and two days later I received a call from her stating that she could not find the check and that I should resend the check and put a stop payment on the previous check. All in the meantime I continue to receive threatening phone calls and letters from loss mitigation regarding foreclosure from Plaza home mortgage. 

The people at Plaza seem to have no understanding of what it was was going on or they did not care. They only seem to want a second payment which they did not deserve, they made no attempt to resolve the situation they only seem to want more money. They were very unprofessional and unethical. They called on numerous occasions while I was at work in an attempt to embarrass me. At this point I am not sure what the situation is regarding my mortgage because everyone at Plaza seem to give a different answer to the same question. Loss mitigation, customer service, and collections seem to have no interaction and one does not know what the other is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation