Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Mortgage Servicing Complaint Under RESPA, TILA, FDCPA, FCRA, and ADA Complainant : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Loan No. : XXXX Current Servicer : RoundPoint Mortgage Servicing LLC Prior Servicers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case No. XXXX Date : XX/XX/XXXX 1. Introduction This complaint is submitted pursuant to federal consumer protection statutes and implementing regulations, to formally request intervention and enforcement by the Consumer Financial Protection Bureau ( CFPB ) or other appropriate regulatory bodies against RoundPoint Mortgage Servicing LLC, for ongoing and systemic mortgage servicing violations. These include, but are not limited to : - Real Estate Settlement Procedures Act ( RESPA )

12 U.S.C. 2605 ; 12 C.F.R. 1024.3536 - Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. - Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. - Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. - Florida Statutes 701.04 Failure to issue accurate payoff and reinstatement information - Americans with Disabilities Act ( ADA ), Title II Failure to accommodate and enable equal access to legal participation 2. Nature of the Complaint Between XXXX and XXXX RoundPoint and its predecessors have engaged in systemic mortgage
servicing misconduct, resulting in : - Over 45 days later, failure to properly apply {$62000.00} reinstatement payment submitted on XX/XX/XXXX under protest - Documented and repeated obstruction of lawful reinstatement rights- Wrongful foreclosure proceedings- Misapplication of escrow and payments - False credit reporting - Tampering of court filings to conceal escrow misapplication.

- Exposure of Social Security number and other sensitive data in public court records - Denial of ADA accommodations and legal access.

3. Summary of Servicing Violations a. Obstruction of Reinstatement - Failure to issue timely or accurate reinstatement quotes - Reinstatement payment made under protest and unapplied - Escrow miscalculations and refusal to confirm account standing b. Payment Misapplication and
Escrow Errors - {$5900.00} in full escrow payments during XXXX not applied to taxes or insurance, applied to XXXX FEES, double PMI, see Exhibit 4.2d and Exhibit 4.2c - Escrow surpluses totaling {$600.00} misapplied or redacted in statements - Duplicate PMI charges totaling {$820.00}, including multiple charges per month - Forced-placed DP3 insurance charged despite proof of active coverage - Payments diverted into suspense or used to pay unauthorized fees - DP3 Escrow advances including {$5000.00} ( XXXX  ) and {$3200.00} ( RoundPoint ) Exhibit 4.3 c. False Statements and Credit Harm - RoundPoint submitted false reports to CFPB and misrepresented credit status d. Denial of Access to Servicing and Legal Participation - RoundPoint blocked online access and withheld communication post-payment - Failed to comply with RESPA obligations e. ADA Violations - Refused reinstatement and communication adjustments despite cognitive impairments f. Consumer Data Breach - Borrowers full SSN was exposed in public court records in violation of federal data protection law 4. Expanded Summary of Servicer Violations Failure to Acknowledge Receipt of Reinstatement Funds : Despite receiving {$62000.00} on XX/XX/XXXX, RoundPoint failed to issue acknowledgment, provide updated account status,

or remove foreclosure threatsviolating 12 C.F.R. 1024.36 ( d ), 1024.41 ( g ), and Florida Stat. 701.04. Improper Use of Suspense Accounts : Payments were held in suspense for prolonged periods ( e.g., XXXX XXXX XXXX ), distorting amortization and delaying principal crediting. Violates 12 C.F.R. 1026.36 ( c ) ( 1 ) ( i ). False Affidavits and Court Representations : RoundPoint and prior servicers submitted conflicting or inaccurat
e inf

ormation in foreclosure pleadings, including balances inconsistent with payment records. Examples documented in Exhibits 4.2 and 5. Discriminatory Practices & ADA Barriers : Denial of effective communication, demand for in-person hearings despite known disability, refusal to allow filing accommodationspotential violation of ADA Title II and 12 C.F.R. 1002.4 ( b ). Withholding of Loan Documents : Failure to provide full transaction history, payoff
details, or escrow breakdowns even after formal QWR and RFI demands and discovery avoidance. Direct violation of RESPA 12 U.S.C. 2605 ( e ) and 12 C.F.R. 1024.36 ( d ) ( 2 ). Use of Obsolete or Unauthorized Attorney C
ontact Information : Despite receiving corrected contact details, servicers continued corresponding with terminated attorneysinterfering with borrowers defense, a pattern documented in Exhibit 2.

Manipulated or Redacted Court Filings between XX/XX/XXXX to XX/XX/XXXX : Key borrower filings were altered or redacted to conceal servicer misconduct. This includes obscured escrow line items, application of public funds, and full SSN exposureExhibit 4.3-d and Exhibit 5.

RESPA Disputed Errors XX/XX/XXXX Filing : In XX/XX/XXXX, XXXX demanded an additional escrow shortage payment of {$600.00}, which was later contradicted by altered records. The XX/XX/XXXX court filing redacted key escrow line items and blocked or scrambled evidence of the {$62000.00} reinstatement payment. See Loan Servicer Misconduct Evidence, dated XX/XX/XXXX Exhibit 4.2b Failure to Investigate Prior Servicer Errors : RoundPoint adopted and enforced faulty balances inherited from XXXX and XXXX without investigation or correction. CFPB expects servicers to review transferred accounts for compliance un

der 12 C.F.R. 1024.38 ( b ) ( 1 ) ( ii ). Misuse and Concealment of Government Assistance Funds : Community Block Grant an
d Hardest Hit Funds were received but not credited or refunded. Documentation in Exh

ibit 4.1 and 4.2 suggests XXXX XXXX misappropriated or unaccounted for.

Foreclosure Initiation During Active Denied Review or Payment Cure : RoundPoint initiated or advanced foreclosure actions despite ( 1 ) open denied reinstatement negotiations, ( 2 ) full reinstatement payment, and ( 3 ) active QWR disputes. This contravenes 12 C.F.R. 1024.41 ( g ) and XXXX XXXX, CFPB loss mitigation guidance.

Foreclosure Initiation During Denied Active Review or Payment Cure : RoundPoint Mortgage Servicing LLC improperly initiated or advanced foreclosure proceedings while : ( 1 ) reinstatement negotiations were still pending or unjustly d
enied ; ( 2 ) a full reinstatement payment of {$62000.00} was submitted on XXXX XXXX XXXX under protest and without acknowledgment ; and ( 3 ) Qualified Written Request ( QWR ) disputes under RESPA remained active and unresolved. This conduct violates 12 C.F.R. 1024.41 ( g ), which prohibits foreclosure initiation during a pending loss mitigation review. It also contravenes Consumer Financial Protection Bureau ( CFPB ) supervisory guidance on servicing conduct during active disputes and cures, and XXXX XXXX Single-Family Seller/Servicer Guide 9202.12, which bars foreclosure referral when a borrower is performing under an active loss mitigation review or has made a timely reinstatement payment. RoundPoints conduct constitutes bad faith servicing and wrongful foreclosure under federal law and industry servicing standards.

5. Timeline of Misconduct See Exhibit 6 for a full timeline from XX/XX/XXXX to XX/XX/XXXX, with declarations, emails, and redactions. 
6. Violations and Regulatory Breaches Confirmed violations include suspense misuse, escrow errors, forced insurance, duplicate charges, and data breaches.

7. Relief Requested I respectfully request that the Consumer Financial Protection Bureau : - Initiate enforcement to compliance with RESPA, TILA, FDCPA, FCRA, and Florida law with respect to all open servicing errors.

- Compel full accounting correction : Enforce application of reinstatement payment accurately and provide a corrected escrow and account history from XXXX to present, detailed in writing.

Full correction of escrow and payment records for XXXX. 
Application of all suspense funds an

d grant payments to principal and escrow as originally intended. Refund or reversal of unauthorized charges and forced insurance fees. -Written statement of accurate monthly payment and balance going forward. - Refund misapplied fees and correct escrow. - Remove false credit entries. - Mandate ADA compliance.

- Impose sanctions for violations.

- Confirmation and enforcement of borrowers reinstatement rights.

-

Regulatory enforcement for privacy violations related to SSN exposure. - Penalties or sanctions for repeated RES
PA, TILA, and FDCPA violations. 


8. Supplemental Violations ( XXXXXXXX XXXX XXXXXXXX ) Includes suspense misuse, duplicate charges, LATE FEES on forced forbearance and unapplied payments in suspense, mishandled funds and AA, {$50.00} title costs, credit harm, and court record redactions. XXXX unresolved errors affect RoundPoint 's current servicing compliance.

Respectfully submitted, XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX, FL XXXX Email : XXXX Phone : ( XXXX ) XXXX Supporting Exhibits Index Exhibit Description 1 Proof of Reinstatement Payment ( {$62000.00} XX/XX/XXXX, under protest ) 2 RoundPoints CFPB Response ( XXXX XXXX, XXXX ) False statements denying reinstatement, fabricated claims of loan modification, and privacy violations 3 RoundPoint QWR Response Incomplete payment history and false balances 4 Servicing Audit & Legal Analysis ( XXXX ) : Escrow mismanagement, suspense misuse, and misapplied funds 4.2af Blocked loan account errors, payments, and Emergency Motion Filed ( XX/XX/XXXX ) Evidence of redactions and servicer misconduct 5 WQR/NOE/RFI Transmittal Letter ( XX/XX/XXXX ) Sent with 140+ pages of documentation 6 Borrower Declaration ( XX/XX/XXXX ) Reinstatement obstruction and RESPA violations

Company response to consumer: Closed with explanation