Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RELIANCE FIRST CAPITAL LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, I filed a cfpb complaint against Reliance First Capital for current and active RESPA violations. After speaking with XXXX of their representatives and being bounced around just to be told they didnt really know what was going on outside of there being an escrow analysis conducted on XX/XX/XXXX that showed an alleged shortage despite the XX/XX/XXXX payment statement showing a credit and couldn't assist me further and put in an email request for a supervisor to call me back but as of XXXX pm, XX/XX/XXXX, I have yet to hear anything back. I also, uploaded proof of payment in the months of XXXX and XXXX of XXXX where Reliance is wrongfully reporting me as delinquent.

I am writing right now to dispute Reliances decision to close my complaint without resolving the substantive issues raised. While Reliance claims my concerns are duplicative or tied to ongoing litigation, the inaccuracies in my mortgage statements and credit reporting represent urgent, ongoing violations of federal consumer protection laws that require immediate regulatory intervention. Below is my rebuttal : 1. Unresolved Inaccuracies in Mortgage Statements * * Reliance has failed to correct XXXX XX/XX/XXXX mortgage statements that conflict with the terms of my * * approved partial claim agreement * * ( attached for reference ). These statements inaccurately inflate my payment obligations, which I believe is a retaliatory tactic to force me into default. I have provided evidence of the approved partial claim terms and the discrepancies in prior complaints, yet Reliance has not addressed this. Action Requested : - Direct Reliance to reconcile all statements with the partial claim agreement. - Investigate whether these errors violate RESPA ( 12 U.S.C. 2605 ) or the CFPAs prohibition on unfair, deceptive, or abusive acts ( 12 U.S.C. 5531 ).

2. Credit Reporting Errors Reliance continues to report an incorrect monthly payment amount to credit bureaus and erroneously lists me as delinquent for XXXX and XX/XX/XXXX. These inaccuracies harm my creditworthiness and violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I have attached : - Copies of credit reports highlighting the errors. - Proof of timely payments for XXXX XXXX ( e.g., bank statements ). Action Requested : - Require Reliance to correct these inaccuracies under FCRA and provide written confirmation of corrections to all credit bureaus. - Refer this matter to the FTC for potential FCRA violations.

3. Reliances Misuse of Litigation as a Shield While Reliance cites ongoing litigation in the XXXX XXXX XXXX XXXX this does not absolve them of their duty to comply with federal consumer laws. The inaccuracies in billing and credit reporting are separate regulatory violations that persist regardless of litigation. Reliances refusal to address these issues suggests bad faith and an attempt to evade accountability. Action Requested : - Reopen the complaint and demand Reliance substantively respond to the billing and credit reporting issues. - Escalate this matter if Reliance continues to disregard its obligations. 
XXXX. Additional Documentation Attached for your review : - Approved partial claim agreement. 
- Inaccurate XX/XX/XXXX statements vs. correct payment terms. 
- Credit reports with errors highlighted. 
- Proof of payments for XXXX XXXX. 

Conclusion I urge the CFPB to investigate these unresolved violations and hold Reliance accountable. Their refusal to correct clear inaccuracieswhile using litigation as a pretextharms my financial stability and undermines the purpose of the CFPBs complaint process. Please contact me for further details or documentation. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation