Consumer complaint received 2017-03-10
Company: PLANET HOME LENDING, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear CFPB Representative. 
I have been in a dead lock with my mortgage holder, Planet Home Lending, formerly Green Planet lending, for nearly 5 years, including XXXX separate foreclosure cases : XXXX dated XX/XX/XXXX and XXXX XX/XX/XXXX. This is a VA loan and I am a XXXX veteran. I have previously submitted a complaint, to whit, I received no resolution from Planet Home Lending representatives. I was blatantly told by PHL 's, Esq., Senior Counsel and Chief Compliance Officer, Planet Home Lending, LLC., that their company does not have to answer to anyone. ALL I have ask for is an accurate financial audit of this account. This mortgage was poorly handled by XXXX, as their accounting/advice and management skills put their company into bankruptcy. I know PHL based their accounting off of the mismanagement from XXXX which further perpetuated the problem. This mortgage was originated by XXXX. who are also now out of business, due to targeting Veterans. Also, the account was a part of XXXX. I received funds from Oklahoma Attorney General regarding XXXX. I know that I was being charged for property taxes by XXXX and until XX/XX/XXXX from PHL, because I had to send a copy of my veteran 's exemption to PHL. ALL I have ever wanted is an accurate financial audit, so that I can make an appropriate decision as to HOW resolve this mortgage. The initial Foreclose action, XXXX, dated XX/XX/XXXX, contained XXXX signatures and multiple Exhibits. This first filing contained signatures, in exhibit " C '', of XXXX and XXXX XX/XX/XXXX, as a XXXX assignment to Green Planet Lending. The Florida State Attorney General found both signatures to be fraudulent. Exhibit " C '' is absent in the XXXX Foreclosure filing, XXXX, dated XX/XX/XXXX. PHL claims in both suits I have not made a payment since XX/XX/XXXX. This is directly in contradiction to the records PHL sent me. Both Foreclosure actions were filed in XXXX XXXX of the State of Oklahoma and are available on OSCN ( Oklahoma Supreme Court Network ). Whether this was an oversight or not, PHL presented this information as being accurate before the Court. I finally received financial records from PHL. I had a friend who was a licensed Oklahoma CPA and Senior Analyst for the IRS ; and another friend who has been in banking finance for over 30 years. They both found no less than XXXX errors in the financial records of PHL and no explanation for fees that were attached to my account. 
PHL provided phone records to myself and my attorney. These records are another cause for concern. The only licensed Mortgage Broker recorded in the State of Oklahoma for Planet Home Lending/Green Planet Lending, is a gentleman by the name of XXXX, phone # ( XXXX ) XXXX, MB license # XXXX, issued XX/XX/XXXX and remains current. To my knowledge, I never spoke to XXXX concerning my account nor does his name appear on any documents or phone records. PHL obtained their original Mortgage License # XXXX on XX/XX/XXXX. Long after they had provided me with mortgage advice and had filed the first foreclosure case. I want to know if PHL was in compliance with the following : Title 59 O.S. 2095 - 2095.26 - Oklahoma Secure and Fair Enforcement for Mortgage Licensing Act. And if not, how I may seek relief under this statute. Due to the dishonesty in the past, I do not trust PHL to EVER be honest. I am aware PHL was recently fined by CFPB. 
PHL started refusing payments in XX/XX/XXXX. At no time was I afforded a legitimate offer to refinance or closure of this matter by PHL. There were the same problems that existed with XXXX ; lost documents ; out of date documents ; mismanaged accounting ; etc. I have utilized every agency and effort I have to get an accurate audit.

Company response to consumer: Closed with explanation