Consumer complaint received 2015-06-12
Company: PLANET HOME LENDING, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My original mortgage was with XXXX but sold to Green Planet Servicing/Home Lending. My payment was {$470.00} the interest was not supposed to change on VIR but every 3 years. XXXX XXXX payment jumped to XXXX one year later when XXXX took over my payment jumped to XXXX. XXXX took over the loan in XXXX XXXX. There was no change in insurance and being a XXXX veteran I do not pay property taxes and no explanation was provided for the increase. I was advised by XXXX the XXXX payment could be moved to the back of the note and they could do a loan modification or forbearance if I were to become 3 months delinquent. 
I sent XXXX copies of income packages to XXXX and never got the issue resolved XXXX had my mortgage from XXXX XXXX until XXXX XXXX. 
Under the Oklahoma Attorney generals settlement with XXXX I relieved XXXX in XXXX XXXX. This was not a payment refund it was for misguiding and fraud. 
I was in a foreclosure agreement with XXXX in XXXX XXXX when Green Planet Home Servicing filed for foreclosure. I paid Green Planet XXXX in XXXX XXXX which was to bring it out of foreclosure. I received a bill from Green Planet in XXXX XXXX for XXXX for misc services foreclosure was suspended in XXXX XXXX. I have sent at least XXXX income packages to GPHL. I was then advised by GPHL to pay off castle credit ( a water system fir the home ) and hoa dues for liens against property although I had the money to bring the mortgage current they advised I had to pay off liens and not make the paymentsI have requested payment history from Green Planet Servicing/ Green Planet home lending since XXXX. The VA also requested this information in XXXX XXXX and never received it. I finally received a mini and unaudited history in XXXX XXXX that does not reflect anywhere near the accurate information. In addition I have requested original documents ( copies of ) for 3 years and they are unble to provide. Green Planet filed for foreclosure again XXXX XXXX, XXXX. I received payment from the Oklahoma Attorney General in XXXX XXXX for the settlement with XXXX for misguiding and fraud. I filed an insurance claim in a XXXX XXXX for roof damage and am currently under their forced placed insurance. Phl is in the same office as the insurance company. I was informed in XXXX XXXX that I needed my own ins which I have already tried to get but no one will transfer until the claim is completed. I was told XXXX I had 60 days to finish the claim and get private ins and payoff hoa so that phl could modify or rewrite the loan but wo n't release funds from the XXXX to do repairs so they hold me hostage. The problem as I see it PHL is basing payment history off of fraud misrepresentation from XXXX thus perpetuating and compounding the problem. I have asked for an audit and accounting of the loan and was told XXXX took care of that with the XXXX which was not payment reimbursement. Since last yr XXXX has attempted to re write the loan but refuse my payments then accepted XXXX payments advised me to payoff liens rather than make payments. Failed to provide an audit and changed their minds about what I need to provide them. I know of legal action concerning the relationship between XXXX and PHL. After pleading for an audit and not receiving I advised I would be contacting XXXX and Oklahoma Attorney General. PHL told me YOU do not want to take it that far or to that level. Like filing foreclosure proceedings XXXX was no big deal. I am seeking relief and assistance. I am afraid to refi the loan as they ca n't provide any documents and just make up numbers and they have eaten up most if my equity with Legal fees that they never follow through on

Company response to consumer: Closed with explanation