Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: PA

Complaint narrative:
Formal Complaint Mismanagement of Mortgage, Retaliation, Misapplication of Payments, and Loan Transfers I am writing to formally complain about the deliberate and harmful mismanagement of my mortgage account. Over the past several months, I have been subjected to aggressive, retaliatory practices, constant loan transfers, and inaccurate accounting, all of which have placed me under extreme financial strain. 

Key Issues and Evidence of Misconduct : Retaliatory Doubling of My Mortgage Payment : Since filing disputes and complaints with multiple consumer protection agencies and credit bureaus, my mortgage payment has been arbitrarily doubled without justification. This appears to be intentional retaliation against me for challenging the inaccurate and predatory handling of my loan. 

Misapplication of Payments : My first payment was due XX/XX/year>. I made a payment of {$2000.00} on XX/XX/year>, and I am sending an additional {$1400.00} to cover the late fee and the balance for XXXX payment. Despite these payments, the servicer has not properly credited my account, creating a false delinquency status. 

Failure to Apply Credits and Adjustments : Builder credits, equity from my previous home sale, and significant out-of-pocket costs I paid for land preparation and construction were promised to reduce my loan balance and monthly payment. To date, these credits have not been applied, leaving me with a loan balance and payment far higher than originally agreed upon. 

Constant Loan Transfers Between Departments : My loan has been repeatedly transferred between departments of the same company Schumacher XXXX, CalCon, XXXX, and CalCon Mutual without my consent or clear communication. These entities operate under the same corporate umbrella, yet the transfers create confusion, lost records, and mismanagement of my payments and credits. Each transfer has further complicated my ability to get accurate information or resolution. 

Aggressive Collection and Retaliation : Since raising these disputes, I have been met with harassing phone calls, threats, and aggressive collection tactics despite being in active dispute and making payments. This behavior appears to be targeted retaliation for filing formal complaints with the CFPB and other bureaus. 

I am continuing to make good-faith payments despite this ongoing mismanagement ; however, I will not tolerate being punished for exercising my rights as a consumer. Not only am I paying for a loan that was intentionally inflated beyond what I could afford, but the company has clearly failed to apply the builder credits, equity, and out-of-pocket funds that were supposed to reduce this loan. 

Even after I submitted the email from XXXX, which clearly states that he inflated my loan to manipulate the cash-to-close amount, they have ignored these facts and continue to mishandle my account. My dispute from the beginning has been about the mishandling of funds and the misapplication of credits, yet they continue to demonstrate that they are either unable or unwilling to bring their accounting practices under control. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation