Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am an XXXX XXXX XXXX XXXX currently XXXX overseas in XXXX, XXXX. My mortgage account is subserviced by XXXX XXXX on behalf of CMG Financial ( XXXX XXXX XXXXXXXX ). This complaint supplements my prior CFPB complaints XXXX XXXXXXXX and XXXX XXXXXXXX and addresses XXXX XXXX repeated placement of phone calls to my mobile number after explicit, documented, written revocation of consent, in violation of the Telephone Consumer Protection Act, XXXX XXXX XXXX et seq., and the CFPBs authority to enforce unfair, deceptive, and abusive acts or practices under XXXX XXXX. XXXX. On XX/XX/XXXX, I submitted a written message through the loan servicing portal explicitly stating that I do not receive reimbursement for international calling fees due to my overseas XXXX and requesting that all communication be provided in writing only. I reiterated this instruction again in a written portal message on XX/XX/XXXX. Despite these explicit written revocations, a XXXX XXXX representative named XXXX called my mobile telephone number at XXXX ( XXXX ) XXXX on XX/XX/XXXX at approximately XXXX XXXX Central XXXX Time. The call lasted approximately XXXX XXXX during which I again informed the representative that I incur international calling fees and can not accept phone calls, constituting a further oral revocation of consent on the call itself. My mobile carrier, XXXXe, charges a {$3.00} per-minute minimum for international calls, resulting in a direct and unrecovered monetary loss of {$3.00} from this call alone. This call was not an isolated incident. On XX/XX/XXXX, at approximately XXXX XXXX Central XXXX Time, a representative named XXXX called me and informed me that to receive any further assistance with my documented complaints I was required to personally call XXXX XXXXXXXX XXXX Resolution Team. This demand was issued despite the fact that by XX/XX/XXXX, I had already submitted written revocations of consent to phone contact on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( CFPB XXXX XXXXXXXX ), XX/XX/XXXX ( CFPB XXXX XXXXXXXX ), XX/XX/XXXX, XX/XX/XXXX ( CFPB XXXX XXXXXXXX ), XX/XX/XXXX, and XX/XX/XXXX ( CFPB XXXX XXXXXXXX ), through both the secure servicing portal and this CFPB complaint system. In total, I provided written notice requiring written-only communication on XXXX separate occasions between XX/XX/XXXX and XX/XX/XXXX, specifically on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX separate portal messages ), XX/XX/XXXX ( CFPB XXXX XXXXXXXX ), XX/XX/XXXX, XX/XX/XXXX ( CFPB XXXX XXXXXXXX ), XX/XX/XXXX ( CFPB XXXX XXXXXXXX ), XX/XX/XXXX, and XX/XX/XXXX. Every XXXX of these notifications was delivered through XXXXXXXX XXXX own designated communication channels, leaving no basis for XXXX XXXX to claim ignorance of my written instructions. XXXX XXXX liability under the XXXX for this conduct is not theoretical. XXXX XXXX has already paid {$710000.00} to settle a federal class action, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case XXXX XXXX XXXX ( XXXX XXXX. ), arising from the identical conduct of placing calls to mobile numbers after revocation of consent. That settlement received final court approval on XX/XX/XXXX. The XXXX calls at issue in this complaint occurred on XX/XX/XXXX and XX/XX/XXXX, both within XXXX year of that final approval. XXXX XXXX continuation of this same conduct after paying nearly XXXX quarters of a XXXX dollars to resolve a federal TCPA class action for the same behavior demonstrates willful and knowing noncompliance. XXXX XXXX is also subject to OCC Consent Order XXXX, issued in XX/XX/XXXX, for unsafe and unsound practices and failure to maintain effective internal controls. The conduct described in this complaint is consistent with the systemic operational deficiencies identified in that Consent Order and reflects XXXX XXXX continuing failure to implement adequate compliance controls governing consumer communication preferences. In addition to regulatory enforcement, I am seeking full monetary compensation in accordance with the statutory damages prescribed by the XXXX. Each knowing and willful violation of XXXX XXXX. XXXX ( b ) ( XXXX ) carries statutory damages of up to {$1500.00} per call. XXXX XXXX placement of calls on XX/XX/XXXX and XX/XX/XXXX, after XXXX documented written revocations of consent through its own servicing portal and the CFPB complaint system, constitutes knowing and willful conduct as a matter of law, particularly given that XXXX XXXX had already paid {$710000.00} to resolve federal XXXX class litigation for this identical conduct less than XXXX year prior. I am therefore entitled to and hereby demand {$1500.00} per violating call, for a total of {$3000.00} in XXXX statutory damages, as compensation for XXXXXXXX XXXX willful disregard of my clearly and repeatedly stated communication instructions. This demand is in addition to, and does not waive, any other legal remedies available to me under federal or state law, including but not limited to claims under the Servicemembers Civil Relief Act, XXXX XXXX. XXXX et seq., the Equal Credit Opportunity Act, 15 U.S.C. XXXX et seq., and California Civil XXXX consumer protection provisions.

Company response to consumer: Closed with explanation