Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
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is is my 3rd complaint against MUFG Union Bank, for their sloppy boo k keeping of my loan. For each complaint MUFG Union Bank has patched a minor problem with m y loan but refuse to do a full on fix of the many problems by refusing to audit my loan, and correcting the multitude of problems with it. 

This is my 3rd complaint, with this email account, with absolutely no help from the CFPB. Could you please clarify how the Consumer Finance Protection Bureau is supposed to help consumers? I havent received any help. They simply pass on the lies told by MUFG Union Bank with no effort put into getting correct information or my loan audited by an independent actual accountant who understands all the errors included in my loan.

MUFG Union Bank will patch a problem but never addresses all the issues, stops responding. When I contact them again to resolve all the issues, they send me to another person to not deal with the issues of my loan. This last time they referred me to three separate people with no effort to address the problems with my loan. 

Here is the latest list of problems, in letter I sent to MUFG Union Bank. 

I am writing to confirm a phone conversation held this morning, at XXXX a.m. with XXXX XXXX XXXX. 

i just got XXXX  once again by responding to voice mail request for a call back from XXXX XXXX. She got me to change my questions, one more time.

Going forward, all interactions with MUFG Union Bank will be in writing. I will no longer respond to phone call requests. 

XXXX XXXX informed me XXXX XXXX is her boss and will no longer be involved in this discussion. 

She also got me to agree to changing my questions, against my earlier statements. 

# 1. In letter from XXXX XXXX XXXX, dated yesterday, XX/XX/XXXX, the fee reflected in the " Loan Activity Report '' charged in XX/XX/XXXX, for {$850.00}, has been moved to the XXXX XXXX XXXX account. 
-- from the XXXX XXXX report, dated and received on XX/XX/XXXX, from XXXX XXXX, with due date of XX/XX/XXXX and paid date of XX/XX/XXXX of {$850.00}. 
-The XXXX XXXX XXXX account for this loan was closed in XX/XX/XXXX. 
-Where are the funds now?

-I want these funds applied to the principal of the loan, on the date the funds were credited to my loan by MUFG Union Bank .

# 2. Why was the amount of my payment that went to reduce principal changed From the received Loan Activity report received XX/XX/XXXX with data from XX/XX/XXXX through XX/XX/XXXX, from XXXX XXXX, XXXX XXXX. 
Manual entry XX/XX/XXXX Principal/Curtailment of {$1500.00} Manual entry XX/XX/XXXXXXXX Principal/Curtailment of {$1300.00} with {$230.00} to unapplied funds and continued putting part of my payment to unapplied funds going forward. 
-I want this money applied to my principal, on the date paymnents were credited to my loan. 
-Why were funds moved from Principal/Curtailment to unapplied funds? What changed in my loan? 
-Variable rate did not come into effect until XX/XX/XXXX. 

# XXXX. Have identified, and MUFG Union Bank has corrected, several errors in my loan. I want it audited back to when it was written. Why is MUFG Union Bank insisting on placing band aide after band aide to my loan? XXXX the loan, back to when it was written, and correct all the issues when they occurred, not when MUFG Union Bank finally admitted to it's errors.

# 4. I still don't have a definition of when payments are applied to loan. One person tells me it's the date on the check and the next tells me it's the date the check is received. i was referred to # 4 of my loan, which ends with " until and including the date of collection. '' Is MUFG Union Bank telling me they can hold onto my check as long as they want, in their mail room, saying it wasn't received? During the COVID pandemic, this has resulted in my checks not being credited to my loan for over 2 weeks in many instances.

-It appears that my payment, speaking of the {$4700.00} this time, are applied when MUFG Union Bank finally processes the payment, not when it is dated, depending on the mood of the bank at the time the payment is received. The payment of {$4700.00}, was dated XX/XX/XXXX, sent to MUFG Union Bank, by my Bank, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX but not received by MUFG Union Bank until XX/XX/XXXX, when credited to my loan, despite that MUFG Union Bank states the payments are credited according to the date of the check. 

Regarding my name on the loan, since XXXX XXXX XXXX included it in her response yesterday, despite that I did not bring it up : # 5. I use the last name XXXX. The loan uses the last name of XXXX. The property title is in the last name of XXXX. When I attempted to clear this up with MUFG Union Bank, a completed loan application was required, including 16 documents of personal and private, financial information, which MUFG Union Bank is now requiring and has no legal right to. I refused. I have been to court and have a legal document changing my last names of XXXX and XXXX to XXXX, dated XX/XX/XXXX. Have been attempting to get this worked out with MUFG Union Bank for over 6 years, so far. My last name has been changed every place else, except with MUFG Union Bank. The Bank states they need a new application, with 16 documents of personal and private information, to prove I am still a good credit risk. I give permission for MUFG Union Bank to pull my credit report, and verify my score is over XXXX out of a possible XXXX. The Bank has no justifiable reason for refusing to change my last name on the loan and title to the last name I currently use. Since MUFG Union Bank is unwilling to work with me to get the names to all line up, it's on MUFG Union Bank for problems this causes in the future. 

So far, -I have adjusted how payments are made, several times, since finally getting a response from the " XXXX of the XXXX ''. 
-Had to close escrow account because MUFG Union Bank could not control the account and ended up gouging me for hundreds of dollars.

-Mysterious charges have been removed from my loan accounting but payments to those charges have still not been applied to the principal of my loan. 
-Payments made on my loan have still not been applied to the principal, as requested, many times, according to the loan activity report from XX/XX/XXXX thru XX/XX/XXXX, received from XXXX XXXX XXXX Some has gone to fees I don't owe, or unapplied funds, while the principal balance remains inflated, and charging interest. 

I will be filing yet another complaint with FDIC regarding this loan. MUFG Union Bank has made multiple errors and only agrees to make partial corrections, after questioning the charges over and over and over again. MUFG Union Bank refuses to provide a well documented. as required, loan audit. 
I have many documents to attach to the loan. The many, varying loan activity reports, the initial loan, many different loan activity reports, in many different forms. 

If you will notice the number of entries per month you will get an idea of how many corrections have been done on my loan. This is not acceptable. 

My loan needs to be audited, back to when it was written, by an outside accounting firm, that knows what they are doing. 

CPFB - PLEASE HELP ME GET MY LOAN AUDITED AND CORRECTED! PLEASE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation