Consumer complaint received 2017-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (VA)

Issue # 1 I sent in a check for XX/XX/XXXX. The mortgage company said they never received it. Mortgage company sent me a letter in XX/XX/XXXX to say they did not receive my payment. I initiated a letter to question why they did n't receive it and sent a check for two payments, XX/XX/XXXX & XX/XX/XXXX, certified. I contacted the mortgage company about a week later to verify they received my payment. The mortgage company stated they did not receive it. They gave me a hard time when trying to make the payment, then transferred me to an account manager. Again, I went through a lot of hardship about my payment. I mentioned it was sent certified, then I was asked for the tracking numbers. The first tracking number was not acknowledged until the second one came up. One was received XX/XX/XXXX, the other was received XX/XX/XXXX. My check was not processed. Mortgage company sent me documents in regards to my payments and any fees. Mortgage company sent me a letter and said that my payment was 30 days late and the credit companies would be notified. Mortgage company sent me a letter regarding that I was two months behind, along with late fee charges. Mortgage company then sent a letter in regards to not fulfilling my payments towards the deed of trust. Mortgage company sent me a letter along with my XX/XX/XXXX, explaining they received it damaged ( check was stamped and initialed ). Mortgage company had notified credit company that I was two months late on my payments. I received another letter from the mortgage company with bankruptcy an foreclosure papers by courier. I sent a payment in for three months, certified registered receipt. I received a threat letter from mortgage company regarding three months payments with additional fees. ( Must be paid by XX/XX/XXXX, or foreclosure would be activated ) Then, I contacted the mortgage company to inquire if they received my payment of three months, the agent said it was received and it was being processed. I asked if this would clear the foreclosure action, and the answer was yes. <P/>Issue # 2 Fiscal year XX/XX/XXXX, mortgage company modified and increased my Escrow, causing me to scramble in being able to meet my monthly payments. Over the course of the year, I was able to get the Escrow up and payments on schedule. Mortgage company, on paper, had me as if I was a month behind, even though I made every payment on time. The mortgage company added unnecessary fees showing I owed over {$140.00} in fees. The end of the fiscal year, XX/XX/XXXX, the mortgage company had to send me a refund of overpayment in the Escrow account. My XX/XX/XXXX statement XX/XX/XXXX, showed I had over {$600.00} in the Escrow account, ending Fiscal year XX/XX/XXXX. Mortgage company, in XX/XX/XXXX, sent me a letter saying that my Escrow starting as of XX/XX/XXXX, would be below the minimum amount and that they would have to increase my monthly mortgage payment. This increase was {$20.00}. My XX/XX/XXXX showed I had over {$1100.00} in Escrow. My estimate by the ending of fiscal year XX/XX/XXXX will have an excess and they will owe me a refund.