Consumer complaint received 2017-01-03
Company: 360 MORTGAGE GROUP LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is the second complaint I have filed related to XXXX Mortgage. While some of the information is still being disputed from the initial complaint involving wrongful foreclosure there is very material new information which is the basis of the new complaint. 
Specifically, today I received a large package of information from XXXX. It does include an updated escrow analysis and payment amount. However, there is no mention of why it is just now being received. Nor, is there a mention as to why the prior statement was sent - after receiving payoff funds - still showing I owed over {$4700.00} in XX/XX/XXXX. 

The package does include the reiteration that XXXX Mortgage did nothing incorrect in servicing my loan. This assertion does not reflect reality. The information also indicates that the VA was wrong in stating that my loan did not have to be 'seasoned ' ( 12 months of payments ) in order to qualify for modification. 

In addition, the following items, at a minimum, are incorrect in the final reconciliation received today from XXXX as follows : 1. My wife did not sign the 'Note ' and promise to pay -- XXXX provided a copy of the same showing she did not sign. -- - She did sign and was told to sign the mortgage - which appears to be incorrect as she is not subject to the loan underwriting, the 'Note ' nor the repayment of the loan. 
2. They agreed in XX/XX/XXXX to settle the matter and gave me a pay-off until the end of the month. They then within XXXX hours hired an attorney to wrongfully foreclose. They disregarded the agreement by taking action so quickly and not giving me anytime to remit funds ( which I explained I had to borrow in a process that would take a few days ) 3. They did not properly reconcile my account upon receipt of the punitive reinstatement charge of over {$20000.00}. 
4. Instead, they did send a mortgage statement for XX/XX/XXXX that is completely incorrect showing I owed over {$4700.00}. -- 5. They did repeatedly make assertions that they were not allowed by the investor to work with me on to settle the debt. Now they say they are not the investor but in a recorded conversation in early XX/XX/XXXX they indicated they were. 
6. They still show a negative escrow balance which I continue to dispute. 
7. The indicate they can arbitrarily offer to reduce late fees only to then reinstate the fees. 
8. They indicated the legal fees charged were reviewed and are correct. -- They are duplicate fees and there has been no explanation thereof. 
9. They say I was not experiencing a temporary hardship so I did not qualify for a loan mod -- I was, as my house payment had increased {$900.00} a month due to payment of punitive taxes. -- The payment created a hardship. 
Bottom-line, even after I paid the punitive reinstatement charges, they still failed to properly reconcile my account. Instead they sent the attached statement showing I still owed {$4700.00}. They have since provided additional information all of which says they did nothing wrong. So, I guess I am to yet again disregard written correspondence from them that says XX/XX/XXXX thing and only pay attention when they say they have done no wrong. --

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