Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Valon Technologies, Inc. (VA)

I saw a late fee on my mortgage account for XX/XX/year> of {$25.00}. I am submitting evidence that I gathered a few days ago this month before XX/XX/year>. And what was told to me by an employee from XXXX XXXX off, why this mortgage company XXXX XXXX representative ) told me she or the company will not be able to help fix or service my account until I pay my mortgage for XXXX XXXX in which is current? And then tell me was not received in XXXX. But my screenshot confirmation that matches the confirmation numbers says that my XXXX payment was processed before XXXX pm screenshot. The payment was processed at I had not other option but to select XX/XX/XXXX that XXXX  on XX/XX/XXXX. Also per escrow statement on XX/XX/year>. It states my new monthly payments will be {$810.00} effective for XX/XX/year>. Since the payment was processed after the XXXX by me. I did include the late fee of {$25.00} + {$810.00} that equals to {$830.00}. So XXXX did not apply the late fee for the mortgage payment properly of the total I paid for XX/XX/year> in full. Instead they posted it as an unapplied balance of {$25.00}. Then turned around and generate a statement online for XXXX that had {$780.00} as my monthly mortgage. NOT!!! that is incorrect as well when I saw that. That was suppose to be {$810.00} with {$0.00} late fee because the account was now current. But instead that statement online before my XXXX payment to service my account said {$25.00}. Lies. 

And with that being said I was told that I would not receive help to have my mortgage account serviced properly until I made my XXXX payment. Why when it was still in the grace period and not only that current for XXXX. 

So the question is with the inaccurate accounting that was processed by XXXX of how the payments was applied. The late fee was not applied properly for the XXXX payment. What were you planning to do with that {$25.00}? If I didn't pay attention and was just to call in the question, would my mortgage would have been incorrectly posted of me only paying {$780.00} going forward and the {$25.00} either inaccurately kept being posted wrong or would have the {$25.00} been fraudulently posted as a late fee. Would XXXX fraudulently say I never paid my mortgage of {$810.00}? A Which late fees only applies when it's after a certain date. See evidence below CFPB To me with all these recent discoveries there is something strange going on with XXXX and XXXX Mortgage since they recently started working together. It also appears to me that proper controls are not put in place. And things are being tampered with somewhere with these XXXX companies. And no I will NOT delete what I see that I didn't put there. I want the Feds to examine it. CFPB the login credentials are not what I have. I have evidence of record of that too. 
I have been stalked by phishing via text message from a XXXX Mortgage since they accessedmy XXXX with softinquiries. I did not give this company permission to do that. 

Why am I being stalked by XXXX between XXXX and XXXX Mortgage for something I DID NOT INITATE. XXXX!! Then I was texted when my account was flagged to not send me text messages. Then I was emailed over a weekend recently on XX/XX/XXXX when I asked who he was and why he contacted me. Never heard of that name until XX/XX/XXXX by the name XXXX XXXX. Who? I said to him? I asked him did he texted me from what appeared as a phishing text on XX/XX/XXXX. I also asked did he just huffed at me. If anyone needs to XXXX is me with all this strange XXXX going on at this company. And he acted like he didn't know who XXXX Mortgage was. Another internal employee that was confused and didn't know who XXXX Mortgage was. Let me correct myself played confused until he said oh them ..... 

The nerve to XXXX at me. I told XXXX XXXX don't contact me again. Then emailed me again on XX/XX/XXXX when I told him that I'm not interested in a XXXX, XXXX, loan for additional purchase, etc, and I never contacted XXXX about a loan, etc. And to not ever text me, call me, or email me again about a loan I don't want or never initiated. 

Then someone from Florida called me about a named XXXX XXXX saying it like I was on the website looking at home equity I was looking to see how and if XXXX was going to apply my XXXX payment correctly. So when I say controlsare not in place correctly. These men are watching when I log on. I log on to check my payments or process payments nothing more. And someone started an application without my permission and didsoft inquiries. XXXX soft inquiries from the XXXX report on the same day. I can't emphasize this enough. Did not have my permissionto do any of that. While I'm complaining why was my report looked at XXXX that same day? That doesn't seem strange to anyone. It does to me. Inquiring without my permission even just once is suspiciousto me now, and how my payments are recently being processed and posted incorrectly. It's very alarming. 

I am even scared now about submitting my ID to update my account. CFPB and when I do it is to updatemy account nothing more. It's only to update my account to the name you see on the reports now. Nothing more. I do not want any other products with XXXX or XXXX XXXX I just want to make my payments and make sure my accounts are serviced correctly and for nothing to be initiated for credit checks for any other mortgage loans. I don't need an additional loan from XXXX or XXXX.