Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC PACIFIC MORTGAGE CORP (NJ)

CFPB # :    XXXX    ;   XXXX   ;  XXXX  ;  XXXX  ;  XXXX  ; In response to   XXXX   XXXX  , Default Litigation Specialist response to the Consumer Financial Protection Bureau ( C.F.P.B ) complaint regarding the above property you will find the following discrepancy and altered document.
While the loan was undergoing modification it was referred to their attorney 's office of   XXXX   XXXX   XXXX   XXXX   XXXX   ;   XXXX   XXXX   XXXX   XXXX   XXXX   ;  XXXX , NJ   XXXX    ;  XXXX + In her response in the letter dated XX/XX/XXXX  CFPB #  XXXX , she claimed that Atlantic Pacific Mortgage is the current servicer of the above loan. She further stated that the Servicer name should never be removed from the mortgage clause of the insurance policy. The information she presented was not the total truth. The letter dated  XX/XX/XXXX  written by   XXXX   XXXX   XXXX  , Escrow Insurance Services from the former Servicer for Atlantic Pacific Mortgage Corp ; NJ License #  XXXX ,   XXXX   XXXX   XXXX   XXXX   ;   XXXX   XXXX   XXXX   XXXX   ;   XXXX   XXXX   XXXX   ;  XXXX  PA   XXXX   ;  XXXX  ; Loan #   XXXX    sent to my insurance agent,   XXXX   XXXX   XXXX    clearly stated that Re : Mortgagee Clause Change Endorsement Request claimed that the above mentioned loan was transferred to   XXXX   XXXX   XXXX   on  XX/XX/XXXX . While the loan was in litigation and foreclosure   XXXX   XXXX   XXXX   was the Mortgagee ( see attachment ).
All my attempts to get the matter settled was ignored by Atlantic Pacific Mortgage and   XXXX   XXXX   intentionally in retaliation for me not accepting the Loan Modification after it was approved after the trial period.
Since Atlantic Pacific Mortgage had sold the loan and transferred it to   XXXX   XXXX   XXXX  , Atlantic Pacific Mortgage felt that they were going to do whatever they could to get the property instead of curing the default.
Payments totaling {$13000.00} ( 4 payments for $   XXXX  = {$2500.00} XX/XX/XXXX ; XX/XX/XXXX  ;  XX/XX/XXXX  & XX/XX/XXXX  and two payments for $  XXXX = {$1400.00} and 1 payment for $  XXXX = XX/XX/XXXX . The foreclosure was filed on  XX/XX/XXXX  @   XXXX   in the Superior Court in   XXXX   by attorney   XXXX   XXXX   for the firm In the response dated XX/XX/XXXX , page 2 # c ; d e & f is false. Note the IRS  XXXX  as well as the reinstatement quote which shows the total periodic payments went back to XX/XX/XXXX . Therefore, c ; e & f is still missing and was never applied to the account., Atlantic Pacific claimed that the check for {$9600.00} was refunded on  XX/XX/XXXX check #  XXXX  but was unable to provide proof. Check was sent after the attorney kept pressuring them in  XX/XX/XXXX  made solely to Estate of :  XXXX . This shows the blatant intention to produce false and altered documents to the CFPB, the IRS and the NJ Department of Insuance Regarding the total reinstatement dated  XX/XX/XXXX of {$18000.00} for total periodic payment of {$14000.00} ; Late Charges of {$310.00} ; Property Inspection for {$190.00} ; Attorney Fees : {$3300.00} and Suspense account {$500.00} The mortgage payment is {$700.00} which   XXXX   XXXX    incorrectly stated as {$700.00}. Note that the late fees were charged in the total payment of {$710.00} eleven ( 11x ) times. It appears that someone intentionally overcharge me {$77.00}. My total charges for periodic payment should have been {$14000.00}. is no explanation for the {$7.00} surcharge.
Regarding the attorney fees and recoverable expenses she failed to elaborate. I lived in the property. I maintained the property. I fenced the property with white picked aluminum fencing ; I put solar panels on the roof and cut the grass. Therefore, her statements regarding property maintenance is incorrect. My XX/XX/XXXX  Statement to IRS Form  XXXX  showed that the attorney was reimburse from the money that was sent to pay the mortgage ( See attachment ). Had Atlantic Pacific Mortgage and   XXXX   XXXX   XXXX   responded to my request to cure the default then I would not be charged these outrageous attorney fees. Complaints were filed with your office regarding the run-around from both companies who violated my consumer 's right by refusing to cure the default then present fraudulent documents to both IRS and C.F.P.B.
Regardless of many letters (  XX/XX/XXXX  ;  XX/XX/XXXX ;  XX/XX/XXXX  ;  XX/XX/XXXX  ;  XX/XX/XXXX  &  XX/XX/XXXX  ) sent to   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   IL   XXXX    and Atlantic Pacific Mortgage   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   NJ  XXXX  emails and letters to their attorneys   XXXX   XXXX    XXXX  ;   XXXX   XXXX  ,   XXXX   and   XXXX   XXXX  ,  XXXX , In an attempt to frustrate me and increase their attorney fee to {$10000.00} hoping that I would not be able to cure the default.
Atlantic Pacific Mortgage sold the mortgage to   XXXX   XXXX    before I signed the Loan Modification. When I /did n't sign because of the terms, I was foreclosed upon.
On  XX/XX/XXXX  I paid, with a cashier 's check {$31000.00} ( {$21000.00} ( Total of 30 payments ) ; Overcharge of {$77.00} ; Late Charges- {$310.00} ; Property Inspection $ {$330.00} & Attorney Fee 's {$10.00}, 349.59 ) to   XXXX   XXXX    of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX   XXXX   ;  XXXX  , NJ  XXXX  ;  XXXX  ;  XXXX . The check was cashed on  XX/XX/XXXX . The attorney fee is outrageous It is not reasonable attorney fees. There was no need for the property inspection since I lived in and maintained the property. No one ever came to inspect the property. This is just an overcharge Upon going to the office it took 1 hr before   XXXX   XXXX   XXXX   took the check. My attorney and paralegal was on the phone. as well as I lost time from work just trying to give them the check on  XX/XX/XXXX 
I finally got a letter dated  XX/XX/XXXX  stating that the mortgage was reinstated only to keep getting the run-a-round from all the customer service representatives :   XXXX   ;  XXXX ,  XXXX ,  XXXX ,   XXXX   and a supervisor who would n't come on the phone. I was informed that the account is still in active foreclosure with Atlantic Pacific Mortgage even though my account is current.
On  XX/XX/XXXX , I was told that I still owe  XX/XX/XXXX 's payment. I paid the {$700.00}. Again I paid  XX/XX/XXXX  's payment on  XX/XX/XXXX  for {$700.00}. I received a letter dated  XX/XX/XXXX . that my payments would increase to {$950.00} Atlantic Pacific Mortgage and their servicer   XXXX   XXXX   XXXX   has caused me   XXXX   XXXX   died  XX/XX/XXXX . The estate was dissolved. I presented Atlantic Pacific Mortgage and   XXXX   XXXX   XXXX   the documentation to remove him from the account and they refuse to do so.
On XXXX thisofficesenttheattachedletter, referencedasExhibit1, towhich there hasnot beena responsedespitea specific acknowledgment of the receipt of this letter Exhibit2.ThisisnotthefirsttimethatAtlanticPacifichasfailedtotimelyrespond.Ialsorefer your attention to copies of a Notice of Error sent on  XX/XX/XXXX  Exhibit 3 referencing thefailuretorespondtoformalRequestsforInformationdate XX/XX/XXXX and XX/XX/XXXX .
Atlantic and Pacific 's blatant violations of Regulation X of the Mortgage Servicing Act under RESPA as well as the applicable State and Federal Consumer Protection laws have resulted in our client having suffered   XXXX   XXXX    and   XXXX   and has effectively interfered withourclient'sabilitytocureanyallegeddefault Atlantic Pacific Mortgage and their servicer has blatantly violated Section 1026.36 ( c ) ( 3 ) Regulation X of the Mortgage Servicing Act as amended by Consumer Financial Protection Bureau ( C.F.P.B ) pursuant to the Dodd Frank Act under RESPA as well as the applicable state and Fe  deral Consumer Protection law. Atlantic Pacific Mortgage has caused me to suffe r  XXXX   XXXX  ,  XXXX ,  XXXX   XXXX   XXXX  resulting in hospital stay and sleepless nig ht. Atlantic Pacific has  interfered with my ability to cure any and all alleged default