Consumer complaint received 2025-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I believe CMG Mortgage is retaliating against me for exercising my rights under the Servicemembers Civil Relief Act ( 50 U.S.C. 39014043  ) and the California Military Families Financial Relief Act ( Cal. Mil. & Vet. Code 800811 ), as well as my VA loan rights. 

Timeline of What I Did and CMGs Responses XXXX XXXX XXXX : Submitted initial XXXX notice and military orders to XXXX via secure message. 

XXXX  XXXX XXXX : XXXX confirmed receipt of my SCRA eligibility documents ; no substantive response regarding deferment. 

XX/XX/year> : Submitted formal written request for a 180-day mortgage deferment under California law , requesting it be effective XX/XX/year>. 

XX/XX/year> : CMG requested a letter from my commanding officer acknowledging that the information would be relied upon by the creditor. This request is not required under California law ; XXXX XXXX XXXX  alone are sufficient. 

XXXX XXXX XXXX : I repeatedly informed CMG of my XXXX XXXX, my inability to provide wet signatures physically, and requested that electronic submission of signed documents be accepted. CMG continued to deny acceptance, citing internal policy. 

XX/XX/year> : CMG stated they would treat my CFPB complaint as an exception and accept it as my written request. The deferment for XX/XX/year> was only granted after I filed the formal CFPB complaint, showing clear retaliatory behavior. 

XX/XX/year> : I submitted an additional {$3000.00} payment designated as principal only using my military allowances while taking advantage of the deferment. 

XX/XX/year> : Account logs show Misapplication Reversal Misapplied Funds- {$4700.00}, indicating my payment was mishandled and reversed instead of being applied to principal. 

Ongoing : CMG portal blocks me from making further additional principal-only payments, displaying : We are unable to process the payment amount that you submitted at this time. Please call XXXX for assistance. 

Ongoing : Portal falsely shows my XX/XX/XXXX payment as past due, misrepresenting me as delinquent and creating barriers to payments during deferment. 



Why I Believe This Is Retaliation CMG is taking advantage of my military deferment and acting in direct retaliation for my complaints by : Blocking me from making principal-only payments that I am legally entitled to make. 

Misapplying and reversing my payments. 

Falsely reporting my account as delinquent despite a valid deferment. 

Creating unlawful delays by demanding additional documentation not required by statute. 

Responding only after I filed a formal CFPB complaint, demonstrating a pattern of retaliatory behavior. 



Violations of Law Cal. Mil. & Vet. Code 800 ( e ) Failure to act on my valid written deferment request within 30 calendar days. 

50 U.S.C. 39014043 ( SCRA ) Servicemember protections, including protection from penalties and proper treatment of payments. 

CMGs refusal to accept electronic submission, misapplication of principal-only payments, and blocking of additional payments violate statutory obligations under SCRA, California law , and VA loan servicing requirements. 



Requested Action Recognize my XX/XX/year> deferment request as valid and effective XX/XX/year>. 

Apply my XX/XX/year> {$3000.00} payment as principal only. 

Remove false past due status and ensure no late fees, penalties, or negative credit reporting. 

Restore my ability to make principal-only payments during deferment. 

Investigate CMG for retaliatory practices and compel compliance with SCRA, California Military Families Financial Relief Act, and VA loan servicing requirements.

Company response to consumer: Closed with explanation