Consumer complaint received 2023-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CADENCE BANK (TX)

My servicing Company has done many fraudulent actions since my equity lender made them to be my servicer.1st the changed my loan account number. They did not honor the 60days transfer privilege and reported that I was over 30 days late because although they received my XX/XX/XXXX payment on the XXXX but it cleared their system on XXXX. ( which was when their servicing began ) But I had 60 days grace period from the day I was transferred. They have done many acts of hate and abuse of the elderly, with manipulations, exploitation taking my money and my house which they posted for foreclosure without any notice to me or following foreclosure procedure. I heard that my house which is also my homestead will be sold on XX/XX/XXXX on XX/XX/XXXX and that it was posted on XXXX XXXX company owe me a lot of money and I was disputing all the wrongs and trying to get my money back and for the correct the false credit report the posted to the XXXX credit Baures. 
They did a lot of fraud to me .Let me try to summarize XXXXhem:1 They stored my niece 's bank information when she made a payment on the phone for me and kept it for 1 year then withdrew money from her bank account. 2.They changed my equity loan without escrow to have escrow 3. They falsified credit Report. They changed my account number and actually gave me about 4 they initially changed my equity Loan account number and ended up giving me about 4 account numbers.5 They posted me for foreclosure while I was in dispute with them after they appraised my house secretly. 6.They withdrew about {$12000.00}. XXXX from my bank in XXXX when XXXX due to XXXX was extended to the end of my loan term. I did it quarterly with them the document their withdrawals as covid -19 interest and lateness.7. They faked insurance many times, when I have insurance and withdrew from my bank and never refunds them. 8.They merged after I started my disputes, and they claim that I will start making payment to the new company 9.They tried to confuse me a lot.10. They fake insufficient funds. 11. The deny payments received.12. They send bills with wrong amount 13. They start their billing on the XXXX instead of XXXX1 Their lawyers took advantage of my situation of having XXXX XXXX and unable to walk to cancel the court case date of XX/XX/XXXX for the first wrong foreclosure process, and put on XX/XX/XXXX XXXX for what their lawyer summary Judgement and I asked the attorney for virtual hearing or on the phone he refuse and went and got what he calls summary judgement. 
12. For the 2 times they posted my house for foreclosure without following foreclosure procedures. I was never informed before they post my house for sale. People just saw posting and started calling me. That shows deep hatred and eager to take my house with about {$300000.00} for equity loan balance of about {$77000.00} However, when they closed my disputes after secretly appraised my house, I told them that they owe me lots of money and I would not continue to make payments, so I stopped making payments, but before then I was never late over 30 days since XXXX and actually since XX/XX/XXXX that I got the equity loan, I have not paid for 10 months and although my payment with late fee is only {$610.00} monthly, when I asked how much I will pay in order to stop the foreclosure they said it is {$15000.00}. adding insurance which I renewed since XXXX and other unjustified charges. 
Please help stop the foreclosure before the deadline they asked me to pay. Please help.