Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
I am filing this complaint against Planet Home Lending LLC for deceptive and abusive communication tactics in connection with debt collection on Loan No. XXXX secured by the property at XXXX XXXX XXXX XXXX XXXX XXXX I am the occupant of this property with court-recognized exclusive possession rights and documented equal ownership interest. A XXXX XXXX foreclosure action is pending under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DECEPTIVE TACTIC XXXX Deliberate Same-Day Expiration Notification On XX/XX/year> the same day the reinstatement deadline was set to expire at XXXX XXXX Planet Home Lending LLC contacted me for the first and only time and provided the reinstatement letter via email. The reinstatement amount required was XXXX in certified funds due by XXXX XXXX that same day. Planet Home Lending transmitted this reinstatement letter with full knowledge that : a ) The deadline expired at XXXXXXXX XXXX on the same day they sent the email b ) Certified funds of XXXX can not be arranged and delivered within hours of receiving an email notification c ) No reasonable person could comply with a same-day certified funds deadline first learned of on the expiration date d ) This was the first and only time they had communicated with me in XXXX days despite being in possession of XXXX court orders directing them to do so This deliberate same-day notification constitutes a deceptive tactic designed to ensure the reinstatement could not be completed allowing Planet Home Lending to resume foreclosure proceedings while creating the false appearance of having provided me an opportunity to cure. DECEPTIVE TACTIC XXXX Deliberate Exclusion While Communicating With Removed Borrower On XX/XX/year>, Planet Home Lending received my Final Restraining Order granting me exclusive possession of the subject property. On that exact same date Planet Home Lending issued a reinstatement agreement exclusively to XXXX XXXX XXXX the individual the Court had ordered removed from the property while deliberately excluding me, the court-recognized exclusive possessor. Planet Home Lending thereby : a ) Acknowledged receipt of my Final Restraining Order b ) Simultaneously issued reinstatement documentation to the removed borrower c ) Deliberately withheld the reinstatement amount from me for XXXX days d ) Created a situation where the removed borrower had XXXX days to act while I had XXXX days DECEPTIVE TACTIC XXXX False Appearance of Compliance With Court Order Planet Home Lending received a court order on XX/XX/year> directing them to communicate with me. By waiting until XX/XX/year> the expiration date to first contact me, Planet Home Lending created the false appearance of having complied with the court order while ensuring that compliance came too late for me to benefit from it. This constitutes a deceptive practice designed to circumvent the court order while maintaining plausible deniability. VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT : Planet Home Lending LLC 's deliberate pattern of : a ) Withholding reinstatement information for XXXX days while the deadline ran b ) Providing reinstatement information only on the expiration date knowing it could not be acted upon c ) Communicating exclusively with the removed borrower while ignoring the court-recognized occupant d ) Creating false appearances of compliance with court orders while ensuring those communications were meaningless constitutes deceptive, unfair, and abusive debt collection practices in violation of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692 et seq., and the Consumer Financial Protection Act 's prohibition on unfair, deceptive, and abusive acts and practices.

Company response to consumer: Closed with explanation