Consumer complaint received 2016-12-26
Company: 360 MORTGAGE GROUP LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
360 Mortgage Group repeatedly failed in basic duties owed to me. They acted in bad faith and failed to exhibit fair business practices. -- The problems all started in early 2016 following a gross over-payment of property taxes by 360 Mortgage. My county wrongly charged a punitive tax rate and 360 paid accordingly. Following the payment 360 on or about XXXX 2016 increased my monthly payment by over {$900.00}. At that time I immediately told them I could not pay the extra amount and also let them know I was disputing the tax rate with the county. 360 began reporting my mortgage as not paid and deficient. Even partial payments were not recognized and not reported as received. The problem with my taxes and the increased payment started a downward spiral from which I just now recovered. Ultimately, the county corrected my tax rate and billing. However, 360 Mortgage, following this problem and months of attempted reconciliation, acted in extreme bad faith from XXXX 2016 to present including but not limited to the following : 1. Agreeing to a settlement amount to bring my account current and report it as such to all credit bureaus on XXXX XXXX, 2016 only to then in just a couple days hire an attorney and start a foreclosure action against me. 
2. They would not recalculate my escrow account but simply kept telling me I must pay all charges to stop the foreclosure. I sent repeated requests, made numerous calls ( dozens or more ) in an attempt to get my account properly reconciled. 
3. They charged legal fees to me that were not incurred. They also included fees that did not apply to my account. Even their own attorney indicated he did not set or charge the legal fees -- only they did. 
4. They rejected repeated attempts at Loan Modification even stating that I did not qualify as my loan was not 'seasoned '. -- 5. They used the wrong # s in the financial calculation for my modification and repeatedly rejected the data I provided. Again rejecting the loan modification or any opportunity to 'work-out ' the amount in question. 
6. They included my wife on the foreclosure complaint even though she is not on the mortgage note. 
7. They have yet to reconcile my account or my escrow for 2016 even though I paid in full the punitive reinstatement amount of over {$20000.00} which included inappropriate fees and expenses. 
8. They indicated the 'investor ' would not allow them to work out my account or offer solutions - even though they are the investor and servicing agent of my loan!! 
9. They sent people to my house to tell me to call them on the very days that I had at length spoken with them by phone and in writing. 
10. They rejected multiple settlement offers even refusing to accept a wire transfer of over {$18000.00}. 
11. They proceeded with a wrongful foreclosure action against despite an agreement to settle my account in full. They the repeatedly failed to timely respond to numerous requests and agreements for information exchange/s. 
12. They charged late fees even after they indicated they would waive the fees. 
13. They damaged my credit, my reputation, my ability to maintain or advance in my employment. 
14. They refused to properly reconcile my account instead telling me repeatedly that I did not understand the process and that I needed to pay their entire amount despite legitimate and credible questions.

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