Consumer complaint received 2021-05-24
Company: Aspen Yo LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sirs : I have asked/requested on four separate occasions that we are provided a loan payoff balance on our mortgage along with correct payment reporting. They have also failed to pay our our escrowed city taxes that were due in XX/XX/XXXX. These taxes were finally paid in XXXX of XXXX only after the XXXX of XXXX contacted us there would be a lien placed on our property. This Lender has been nothing but uncooperative and un-American to deal with. I have been a home owner for over 25 years with three home purchases and this experience and this treatment by Gregory Funding has been the worst disparate treatment I have ever seen and unfortunately experienced as a minority. The lack of response and treatment has been nothing short or bias against me and my family as XXXX XXXX. I have called and their representatives have been demeaning each and every time I call and consistently asking are you living in the home as if I we were having financial difficulties. Our mortgage has always been on time and never late until the payments were misdirected by XXXX XXXX who sold our mortgage to XXXX for two months then it was sold again to Gregory Funding. Our interest rate is not a competitive rate and they are very well aware of that and the reason we want a payoff amount and accurate payment history is solely for us to refinance with another lender at a far more competitive rate. They only claim to mail the items we request XXXX payoff balance, payment history ) itemized b/c they a have repeatedly claimed to have provided the info to us via mail or to 3rd party providers / or our prospective new lender. These tactics used by Gregory Funding against XXXX, XXXX and other XXXX has financially and emotionally impacted me and my family significantly. Gregory Funding has numerous complaints of this nature published against them with the XXXX XXXX XXXX. There practices of ignoring clients request, delaying tactics, lost of information request along with their lack of technology use is unacceptable as mortgage lender or servicer. They can not adequately serve as a mortgage lender or servicer when they only use U.S. email and fax but not current technology or email. To use U.S. mail for such time sensitive and critical documents and needed consumer information is just unthinkable in todays market of business and technology. This abruptness, rudeness, animosity and over all lack of care and dismissive attitude I have experienced with their representatives including XXXX XXXX XXXX XXXX has been something I would have never imagined from a organization that considers themselves a service oriented company. I could only feel as a minority that this was solely based on my ethnicity as a XXXX XXXX. Gregory Funding clearly feels its ok to treat XXXX and minorities this way without providing timely and accurate information to prevent them from leaving the grips of their fraudulent and predatory lending and loan servicing behaviors. Once again as a XXXX XXXX and minority me and my family have been severely harmed financially and emotionally by these practices forced upon us by Gregory Funding. The CFPB should act immediately to remove/terminate Gregory Funding as a licensed mortgage lender/servicer and they should be held accountable to make me and all other clients who they treated unfairly and have injured unfairly and mentally whole by rewarding immediate mortgage restitution along with updated and correct current payment reporting and balances. In closing how can a company continue to be federally licensed financial lending institution when they have missed making property tax payments from my escrow account for over 6 months, cancelled my escrow home owners insurance payment with out my knowledge or proper notification of the change and in timely manner most of all, then not providing a mortgage payoff that has been requested a minimum of four times. I have been severally injured based on bias treatment from Gregory Funding b/c I am XXXX XXXX and I would like for the CFPB to hold them accountable and liable for my personal, financial and emotional injuries immediately. 

Thank you,

Company response to consumer: Closed with explanation