Consumer complaint received 2019-06-05
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a victim of mortgage fraud. My realtor lied about practically everything. My mortgage has been sold three times the first year in XXXX and the interest rate is 5.5 %. 

XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX ( XXXX ) XXXX XX/XX/XXXX - Roundpoint Mortgage Here is my story. I was diagnosed with XXXX XXXX XXXX in XXXX and now I am fully XXXX and receiving Social Security XXXX. In XXXX, I applied online for a home loan supposedly thru XXXX XXXX. Later, I discovered thru XXXX XXXX that they never received a home loan application from XXXX XXXX or my SSN and they do not assign Realtors. This is where XXXX XXXX, Realtor, XXXX XXXX XXXX enters the picture. 

In XXXX, online XXXX XXXX approved a XXXX home loan and assigned a Realtor ( XXXX XXXX ) to me. Ms. XXXX contacts me and shows me two new homes ready for purchase. Then suddenly XXXX XXXX tells me that my loan was not approved. I feel that this is the end of my home search due to recent Identity Theft issues. However, Ms. XXXX still contacts me. I quickly explain to Ms. XXXX that I can no longer afford a home because XXXX XXXX denied my application. She states, " I have a house for you! '' I now know this was all just a ploy to sell this dilapidated old house. By telling me I was approved, showing me new houses, and then canceling the loan left me virtually homeless. I had already submitted my notice to vacate my apartment and I had to move. I was XXXX  XXXX, on a fixed income and now soon homeless. I think she planned and took advantage of all this. 

Since moving in XX/XX/XXXX, I have had nothing but problems and yes I had the home inspected prior to moving in and she manipulated that too. First, there was a strange odor coming from the stove whenever I cooked. So, I lifted up the stove top and underneath was so filthy and rusty the stove had to be replaced. Also, the heating unit went out and I had no heat this past winter. Ms. XXXX said the HVAC was completely repaired two years prior to my moving in. When I had the unit serviced XX/XX/XXXX, the Repairman said the Heating Unit was 20 years old and so rusty that he would have to permanently disconnect it for fear of carbon dioxide poisoning. The pipes are so old I have hard water which have clogged my washing machine ; now, that needs to be replaced. And, XX/XX/XXXX I discovered that there was a leak underneath the kitchen sink that was so bad it actually leaked out into the holes in the kitchen floor tile and underneath the kitchen floor cabinets. Now, all of the cabinets have begun to rot. After replacing the stove, the HVAC needs replacing and that's just the first year in the house! 

Ms. XXXX told me there were back taxes on the XXXX year old house. The monthly principal is XXXX and at the time escrow was XXXX ; total payment XXXX. The insurance is XXXX. I contacted the tax office who told me the yearly taxes are only XXXX and there are no back taxes. She lied again. 

Ms. XXXX also said she had the home sprayed for termites. XXXX XXXX came by my home stating that the past tenants were still under contract and they wanted to inspect their outside stakes at no charge. After their visit, I soon discovered lizards in my home. Three months later when XXXX returned I explained that I would exterminate my own home. I later received a bill for XXXX. I contacted the XXXX XXXX Main Office in  XXXX who apologized, canceled the bill and sprayed my home for free! 

There are just some things I did not notice until I moved into this house. For example, the rugs were just filthy and there is so much dust in the attic I can literally taste it. I just believe I was taken advantage of because of my XXXX. I desperately need a much lower interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation