Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mortgage Origination Holdings LLC
State: RI

Complaint narrative:
Company : XXXX XXXX XXXX ( origination ), XXXX XXXX XXXX ( originator on documents ), XXXX XXXX ( current servicer ) Product : Home Equity Line of Credit ( HELOC ) Property : [ Your property address ] Loans : HELOC # XXXX ( XX/XX/XXXX ) and HELOC # XXXX ( XX/XX/XXXX ) Summary of Complaint I am disputing the validity and enforceability of a HELOC lien placed on my property due to title defects, lack of spousal consent and disclosures, and material underwriting errors at origination, as well as improper servicing conduct. I request investigation, correction of records, and appropriate relief. Facts ( chronological ) Ownership / Title My spouse, XXXX XXXX, is a vested owner on the deed ( added via a XX/XX/XXXX quitclaim deed ). At the time of HELOC # XXXX, the lender had reason to know the property was jointly owned. HELOC # XXXX XX/XX/XXXX The loan was originated without my spouses knowledge or signature, despite her being on title. She did not receive or sign the Notice of Right to Cancel ( TILA rescission notice ) or other required disclosures for a principal dwelling. The lender allegedly instructed the application to proceed as a sole-owner transaction, even though ownership was joint. The lender failed to use a proper title company/title insurance and relied on internal checks. Underwriting Defects ( HELOC # XXXX ) The lenders records show knowledge of an existing first mortgage ( via data sources ), yet underwriting used an incorrect/estimated balance and/or {$0.00} payment, materially affecting DTI/CLTV. Based on accurate figures, the loan would not have qualified under standard underwriting. HELOC # XXXX XX/XX/XXXX The lender then required my spouse to sign to access equitycontradicting the earlier treatment of ownership. In this second transaction, the lender failed to account for the true first mortgage in DTI/CLTV and mischaracterized lien position XXXX creating a prohibited or improper lien structure. Servicing / Assistance Issues I applied for loan assistance, which was denied based on delinquency timing, despite the application being submitted. The lender has refused to meaningfully address the underlying origination defects. Servicing has since transferred to XXXX XXXX ( effective XX/XX/XXXX ) while disputes are active. Legal / Compliance Concerns Truth in Lending Act ( TILA ) / Regulation Z Failure to provide Notice of Right to Cancel to all consumers with an ownership interest in the principal dwelling. Title / Lien Validity Non-borrowing spouse on title did not consent to HELOC # 1 defective or unenforceable lien as to the property. Ability-to-Repay / Underwriting Incorrect DTI/CLTV due to omission/misstatement of existing mortgage obligations. UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) Proceeding as sole-owner while aware of joint ownership ; contradictory treatment between HELOC # XXXX and # XXXX ; failure to correct known defects. Harm My property has been encumbered by a lien that was not properly authorized by all owners. I have suffered financial harm, stress, and risk of enforcement based on a defective origination. I have been denied assistance without addressing the underlying defects. Requested Resolution Immediate investigation of origination and servicing conduct. Written confirmation of all ownership/title searches and underwriting calculations used for both HELOCs. Correction of records to reflect accurate lien position and obligations. Rescission and/or discharge of the defective lien on HELOC # 1 due to lack of spousal consent and TILA notice. If not rescinded, a negotiated settlement/payoff reduction reflecting the defects. Pause on adverse credit reporting and collection activity while the dispute is under review. Coordination with Cornerstone Servicing to ensure they acknowledge and honor the active dispute.

Company response to consumer: Closed with explanation