Consumer complaint received 2015-09-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (FL)

My Loan was transferred to Planet Home Lending from XXXX XXXX. I was owed 2 years of escrow payment of {$1800.00} XXXX I was paying around {$200.00} on a modification plan I had with XXXX. I kept telling Planet Home lending that I was owed escrow amounts from XXXX they said that they could not do anything I had to go after XXXX. This seemed ridiculous to me, but I called XXXX and they said they transferred over the escrow to Planet. After much debate with Planet they finally reviewed my account in XXXX and saw that I was owed {$2600.00} for escrow and for the overage in payments I was making I had to debate with them for over 6 months for this to happen, but they still did not credit me for XXXX. A new person started to work on my modification at Planet Home lending XXXX and we came up with a plan for me to pay {$1900.00} for XXXX XXXX in XXXX I would pay {$4500.00} in XXXX I would pay {$1900.00} and XXXX I would pay XXXX and my account would be up to date for XXXX 's payment of {$1700.00}. So from XXXX to XXXX I would pay them {$14000.00}. Ok so let 's do the math. They credited me for {$2600.00} for XXXX shortage, I continued to pay monthly payments of {$1900.00} to cover past months. I have a suspense account with about {$1000.00} in that account in XXXX XXXX. If we add all I have paid and what they were proposing for me to pay the total would about {$14000.00} as credit to my account from XXXX XXXX to XXXX XXXX called every month and I kept asking them about the numbers being wrong they told me they would work itself out. Instead of their plan I paid the {$1900.00} in XXXX, XXXX {$2500.00} in XXXX I paid {$1900.00} in XXXX they are asking me to pay {$7100.00} in XXXX to cover XXXX, XXXX XXXX and XXXX. Then in XXXX I should pay my regular {$1700.00} a total of {$13000.00} inclusive of XXXX 's payments versus their proposal where I would pay {$14000.00} inclusive of XXXX, a difference of roughly of {$13000.00}, not to mention what is in my suspense account of about {$1000.00}. I try to explain to the people at Planet the numbers and they do not seem to get it where are their numbers coming from? And why have I not received credit for my {$1000.00} in the suspense account I am attaching a statement from them I printed showing they did not give me credit for my suspense amount as per the conversation I had with XXXX on XXXX XXXX, XXXX. Where is my escrow from XXXX and my extra money in the suspense account. In XXXX I filed a complaint with this department in regards to XXXX Case number : XXXX in regards to payment plan and past due mortgage. As a response XXXX said they would put the past due to the back of the loan. When XXXX transferred the loan to planet home lending they still showed I owed 3 months pays due they did not put the agreements with XXXX and myself. Now I have a payment plan set up and they are asking me to pay all these past due and my credit is shot because XXXX XXXX and Planet Home Lending can not get their numbers correct and credit me for what they are supposed to. Planet Home Lending continue to miscalculate my amounts and then when I try to correct them they keep telling me that I am wrong but they still will not properly review the entire records from XXXX and see the amount that was to be place at the back of the loan insstead they continue to hound me for money and ruined my credit.