Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SUN WEST MORTGAGE COMPANY, INC.
State: LA

Complaint narrative:
Complaint Type : Mortgage Servicing Issue Failure to Respond to Notices of Error, Improper Credit Reporting, Escrow Mismanagement, and Communication/Notice Failures I am filing a complaint regarding multiple unresolved servicing errors by my mortgage company, including failure to respond to Notices of Error, inaccurate credit reporting during forbearance, improper escrow adjustments, and failures in providing or properly delivering required communications. Timeline of Events XX/XX/XXXX : I mailed a Notice of Error Credit Reporting Dispute and a Notice of Error / Request for Information regarding a Special Forbearance Plan and escrow analysis via certified mail ( Tracking # XXXX ). XX/XX/XXXX : The mortgage company acknowledged receipt of these notices. XX/XX/XXXX : I received a voicemail from XXXX. I returned the call and was advised to sign a XXXX XXXX XXXX. I stated I did not agree with the terms. XX/XX/XXXX : I received another voicemail from XXXX requesting a return call. Upon calling back, I was informed he was unavailable. I was then advised by XXXX XXXX that I must execute the agreement without modification. XX/XX/XXXX : I sent a Notice of Error / Request to Defer Forbearance Execution via certified mail ( Tracking # XXXX ). XX/XX/XXXX : The mortgage company acknowledged receipt of this correspondence. XX/XX/XXXX : USPS tracking indicates a shipping label was created for certified mail sent by my mortgage company ( Tracking # XXXX ). XX/XX/XXXX : The item was processed through a USPS regional facility. XX/XX/XXXX : The item was marked Unclaimed and returned to sender. * It was subsequently re-mailed to me. XX/XX/XXXX : I retrieved the item in my locked mailbox. Issues - I have not received a formal written response resolving my Notices of Error. - I was instructed to execute a forbearance agreement despite disputing its terms. - My mortgage account is being reported to XXXX as 60 days delinquent ; late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite being under an approved forbearance plan during these periods ( XX/XX/XXXX XX/XX/XXXX, and extended XX/XX/XXXX XX/XX/XXXX ). - My credit reports reflect that the account is in forbearance during the relevant periods ; however, while I received mailed forbearance plan documents, I did not agree to or execute any forbearance agreement, and I have not been provided documentation confirming how this forbearance was authorized, accepted, or implemented on my account. - XXXX reports a past-due balance of {$3000.00} as of XX/XX/XXXX, despite the account being under forbearance during the relevant period. - The credit report simultaneously reflects account in forbearance, which is inconsistent with the delinquency and past-due reporting. - Multiple escrow analyses were conducted during the forbearance period, resulting in changes to my monthly payment. - Certified mail from my mortgage company contained only informational pamphlets related to mortgage programs and benefits. The envelope was not sealed upon receipt, and I am requesting clarification regarding the use of certified mail for non-sensitive materials and the handling integrity of the mailing. Concerns These issues raise concerns regarding : - Failure to comply with Notice of Error response requirements under the Real Estate Settlement Procedures Act ( RESPA ) - Inaccurate credit reporting and reporting during forbearance under Fair Credit Reporting Act - Improper servicing practices during forbearance, including escrow recalculations and payment adjustments- Failure to ensure proper delivery of required communications - Breakdown in servicing accuracy, reporting integrity, and account management Requested Resolution I request the following : 1. Formal written response addressing all Notices of Error in accordance with applicable servicing regulations 2. Immediate correction of inaccurate credit reporting, including removal or correction of delinquency and past-due entries during approved forbearance periods 3. Correction of the {$3000.00} past-due balance reporting and all related delinquency entries 4. Full payment history/transaction ledger covering the forbearance period and disputed reporting periods 5. Copies of all credit reporting submissions made to consumer reporting agencies, including dates and reported data fields 6. Copies of all escrow analysis worksheets and calculations performed during the forbearance period 7. Copies of any forbearance agreement ( s ), proposed terms, drafts, or documents allegedly accepted or implemented on my account, including any record showing acceptance or execution ( signature, electronic acceptance, or system enrollment ). 8. Records of all communications, including call logs, voicemail records, and internal servicing notes related to my account during the dispute period 9. Assurance that required notices were properly handled and that my account information is accurate across all servicing systems 10. Correction of any servicing errors affecting account status, reporting, payment allocation, or communication compliance I request a formal written response and resolution to these matters.

Company response to consumer: Closed with explanation