My Wife and I are earnestly seeking your assistance to resolve concerns with  XXXX   XXXX   XXXX  that include unethical business practices and illegal arrogation charging excessive monies in a form of semblance through property mortgage insurance.   On  XX/XX/XXXX , I purchased a  XXXX  square foot, single family, detached home in  XXXX , California with a total purchase price of {$460000.00}. The loan details are as follows : APR 4.250 %, 30 year fixed, {$410000.00}.   Since  XXXX  of this year (  XXXX  ), the base price of our model home was priced at {$490000.00}. Furthermore, the same model home with upgrades is price listed at {$570000.00} as of   XXXX    Comparable/s of homes recently sold range in value from {$540000.00} to {$560000.00}. Since  XXXX  of this year, our loan has been paid down from {$410000.00} to approximately {$400000.00}.   Regardless,  XXXX   XXXX   XXXX  appears to be making their own rules and standards despite  XXXX  and  XXXX  regulatory statutes.  XXXX   XXXX   XXXX  had purposely misled my Wife and I on numerous instances. In fact,  XXXX   XXXX   XXXX  provided my Wife and I with erroneous information pertaining to our mortgage loan and purposely provided inconsistent information regarding our removal of property mortgage insurance leading to numerous discrepancies that only acerbated matters furthermore. Albeit,   XXXX   XXXX   XXXX    erroneously denied the removal of Property Mortgage Insurance, ( PMI ) and fallaciously made excuses for their own deprave in this matter.   On   XXXX  , I contacted   XXXX   XXXX   XXXX    Representative who identified himself as  XXXX   XXXX . I provided  XXXX  with the pertinent information to start the process of removing PMI.  XXXX , I requested to have a third-party appraisal company to fairly assess and evaluate our property. According to  XXXX   XXXX   XXXX   XXXX  would utilize their own appraisal company to assess the property value.   Unfortunately,  XXXX  and  XXXX   XXXX   XXXX  failed to initiate our request in a timely manner and delayed the process furthermore.   On  XX/XX/XXXX , my  XXXX  contacted  XXXX   XXXX   XXXX  to determine the status of our request only to discover that  XXXX  failed to initiate the request and excused his actions by indicating that his office was short staffed and that it takes on the average of  XXXX  weeks before the process even starts without any justifiable reason behind the delay.   According to   XXXX   XXXX   XXXX    Representative who identified herself as  XXXX ,  XXXX  indicated that an  XXXX  would contact my Wife to schedule an appointment after  XXXX   XXXX   XXXX  deducts {$450.00} on  XXXX  my account.   After numerous calls to  XXXX   XXXX   XXXX , on  XX/XX/XXXX  the  XXXX  contacted my Wife to conduct an assessment of the property for   XXXX     On  XXXX / XXXX / XXXX , I contacted  XXXX   XXXX   XXXX ,  XXXX  to determine the status of possibly removing the PMI from our mortgage loan. According to  XXXX ,  XXXX  stated that the PMI would not be removed simply because my home was valued at {$460000.00} and was undervalued. Regardless of any factors that were overlooked, it is completely indubitable that my property value was undervalued at {$460000.00}. In fact,  XXXX   XXXX   XXXX  failed to consider the preeminent factors that oppose  XXXX   XXXX   XXXX   XXXX  to deny the removal of property mortgage insurance from my loan. The following factors are a list that  XXXX   XXXX   XXXX  failed to consider and therefore failed to make a proper value assessment of the property thereof :  XXXX . Since  XXXX / XXXX / XXXX , the original purchase price of the property was listed at {$460000.00},  XXXX . The property includes over {$34000.00} in upgrades and in additional to the base price,  XXXX . As of  XXXX / XXXX / XXXX , the base price of our model home is priced at {$490000.00} with no upgrades and the current price of the model home is currently priced at {$570000.00}, 4. Comparable homes within  XXXX  radius, similar square footage, similar make and model homes sold between  XXXX  and through   XXXX   XXXX   XXXX   were priced between {$490000.00} and {$560000.00}, 5. As of  XXXX   XXXX , the outstanding mortgage loan balance with  XXXX   XXXX   XXXX  was less than {$400000.00}, 6. I have excellent status with all finances and current with mortgage payments, and 7. According to public census bureau, current housing sales in  XXXX   XXXX   XXXX  home sales have increased by more than 12 % since  XXXX  and a demand in property sales in  XXXX  California have increased by more than 28 %. Hence, on average property sales are on the up rise.   With all consideration to the preeminent factors aforementioned, our home value has risen from approximately {$460000.00} to {$550000.00} in value. Hence, based upon a priori circumstances, the value of property increased by more than  XXXX  % in value.   By conjecture, it vehemently appears that  XXXX   XXXX   XXXX  had knowingly and/or purposely flouted pertinent information and/or evidence that would present an impartial and equitable assessment.  XXXX   XXXX   XXXX  to suggest that my new home appraises for less without consideration for the preeminent factors and failing to consider any verisimilitude in this matter is completely buffoonery. Furthermore,   XXXX   XXXX   XXXX  ,  XXXX  completely misled my Wife and I on numerous instances as   XXXX   XXXX   XXXX   statements were inconsistent and completely antithetical at various times. On several occasions,  XXXX   XXXX   XXXX  delayed the processing of request to remove the property mortgage insurance in a timely manner. By conjecture, it appeared that  XXXX   XXXX   XXXX  delayed the removal process in attempts to pilfer excessive funds through taxable liabilities concomitant to the interest charges of the loan amount itself.   Furthermore, after vetting online and researching consumer complaints involving  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  had numerous complaints involving integrity issues and over charging clients through loan proceeds. In fact,  XXXX  out of  XXXX  customers were charged excessive interest on loans that resulted in the California Department  XXXX  f Business Oversight to enforce said violations and ordere d   XXXX   XXXX   XXXX   to reimburse each client that was scammed.   Although my Wife and I have made numerous attempts to cordially rectify the concerns with  XXXX   XXXX   XXXX ,  XXXX  is brazenly uncooperative on many ethical and moral levels. To purposely mislead by way of depravity is a blatant form of fraud! Furthermore,  XXXX   XXXX   XXXX  deducted {$450.00} for an erroneous appraisal on my property that vehemently appears to be on a basis of fallacious assessment thereof regardless of latent factors that were purposely flouted. Such behavior is brazen effrontery of complete negligence!    XXXX   XXXX   XXXX  intentionally delayed the process to remove the property mortgage insurance despite any  Federal and State  guidelines.  XXXX   XXXX   XXXX  charged my account an additional {$450.00} for an erroneous appraisal that failed to properly identify the true value of the property.  XXXX ,  XXXX   XXXX   XXXX  is illegally over charging funds through the mortgage account. On countless occasions my  XXXX  and I made attempts to amicably resolve this matter at a first level. However,  XXXX   XXXX   XXXX  and  XXXX  has been completely uncooperative. I am requesting your assistance to resolve this matter and seek enforcement under   Federal and State mortgage guidelines.
Thank you for your support and assistance in this matter.       Sincerely,  XXXX  and  XXXX   XXXX