Consumer complaint received 2026-03-19 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: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
Date : XX/XX/XXXX " Revisit of Decision & Breach of Contract '' Lender : Planet Home Lending , LLC XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX # XXXX I copied the FTC and CFPB XXXX complaint XXXX XXXX XXXX Department of Veteran Affairs-The Office of Public and XXXX XXXX ( XXXX ) In accordance with the original loan agreement Planet Home Lending LLC-Debt collector loan # XXXX The original company Planet Home Mortgage loan dated XX/XX/XXXX asks that all injunction be revisited and reviewed and not be ignored as the last XXXX requests and this is a legal continued complaint. To Hornor, the legal contract from lender and consumer the borrower, the legal law Section 31-34-6 - of the law requires Planet Home Lending LLC to provide all changes to contracts Also, the Federal Debt Collection Practices Act ( FDCPA ). This statute protects consumer who owe money to creditors from the unfair, abusive, deceptive, and unwarranted harassing behavior of debt collectors. In accordance Debt Collectors can not pretend to be attorneys or government representatives, nor can they claim money owed with illegal practices. Planet Home Lending LLC original company as an initial mortgage company acting as a debt collector collecting their own debt this is illegal practice noted in previous correspondence while stating you are a mortgage company collecting a debt illegally false representation. Violations can be reported to the Consumer Financial Protection Bureau ( CFPB ) or state attorneys general office for such a crime. Just to reaffirm to Planet Home Lending LLC is a debt collector, this previous complaint is not just consumer requesting company name validations the names that you are currently operating under maliciously as a debt collector. These are valid consumer concerns below and a sufficient complaint that should be complexly addressed immediately to satisfy the consumer and borrowers complaint. At this time, we legally as the consumer ask again that the mortgage payments reversal decision be revisited and current payments paused legally to pursue all concerns below these are illegal injunctions from debtor to the consumer as we have a right for all violations to be completely eradicated and resolved due to negligence and illegal debtor business practices harassment of collection and malicious debt practices by Planet Home Lending LLC. These injunctions have caused financial duress, stress and physical hardships due to illegal actions applied to the consumer. In the law of contract and tort, a wronged party must avoid the " unreasonable accumulation '' of damages by taking steps to limit the illegal effects of the breach of contract and harmful conduct of the lender illegal debt collector practices by Planet Home Lending LLC. Illegal practice made against the borrowers. These errors allows a efficient null and void to the original contract and has such generated a 'BREACH OF CONTRACT '' and an official reversal of all mortgage payments immediately as a satisfaction to consumer by debtor for illegal malicious practices and would resolve all matters performed by Planet Home Lending LLC and the consumer the borrowers. Again, My credit has been reported inadequately with wrong with account numbers assigned by Planet Home Lending LLC and XXXX XXXX XXXX through credit bureaus and credit reports has caused duress from negligence of errors reported by Planet Home Lending LLC. and XXXX XXXX XXXX XXXX Consumer denied credit illegally duress caused. No legal information on XXXX XXXX mortgage as an entity of Planet Home Lending LLC debt collector assigned illegally without prior notice during the original contract from year XXXX just harassment to collect a debt when mortgage was not in a collection status consumer should not have to suffer for Planet Home Lending LLC discrepancy and legal battles with credit bureaus. Name legalities between the lender and the credit bureaus for XXXX XXXX XXXX was non disclosed during the initial contract in XXXXThis is an Illegal practice by debtor to the consumer and was non disclosed to the borrowers. Debt collector Planet Mortgage LLC assigned illegally- with no reason to account as the account was not in an option for Debt collector Planet Home Mortgage LLC-Debt Collector as we do not recognize illegal Debt collectors. Planet Home Lending never address the past illegal debt practice to collect a debt illegal within past harassing collection practices within years XXXX by notifying debtor by mail, electronically, and phone calls with extreme harassing collecting practices to collect a debt is illegal and has caused severe traumatic result to lenders. The debt collector Planet Home Lending LLC did not introduce themselves properly once account was assign to a debt collector with no choice to the consumer Illegal practice violating consumer rights as consumer does not recognize debt collectors even if the debt collector is collecting a debt with no decision to the consumer for mortgage payments acting as Plane Home Lending Not Planet Home Lending LLC. These are illegal practices which violate consumer rights by Planet Home Lending LLC for non disclosure violating consumer rights. As a retired veteran family to an active VA loan as the borrowers, we have not been offered the Tax incentives to veterans with VA active Home loans at all from XXXX currently. Governed by 31 U.S.C. 3711, a compromise or an offer settlement and satisfaction of the offerors indebtedness for illegal debtor practices. Would constitute all parties ' acceptance to accommodate the binding party 's agreement to the to completely satisfy the current mortgage payments owed and reversal request to be completed to satisfy both parties. Since proof of procured by fraud, misrepresentation of a material fact, or mutual mistake of fact of the debt collector unfair harassing practices Veteran engagement to empower Veterans and their families have been notified of such unfair debt colleting and deceitful practices. Escrows credits and overpayments have been removed mysteriously from online dashboard with my account many times with the Planet Home Lending LLC online account illegally with no record of over payments, history, amounts owed as if as if the account never existed as this is illegal debtor practice towards the consumer and suggest such overpayments disappeared from dashboard and never existed this is an illegal and malicious practice. Planet Home Lending LLC Dashboard online website to my consumer account was not properly loaded to reflect true balances amount, account history, escrows and true balances for many months empty and removed during year XXXX consumer complained during the constant insufficient errors on the online dashboard account was ignored by Planet Home Lending LLC. To Avoid potential legal action against Planet Home Lending LLC. The borrowers also may seek punitive, financial damages, including but not limited to additional damages, legal services, court cost, late charges, and accrued interest please legally respond by mail or electronically only. Thanks in advance we look forward for Planet Lending LLC debt collector to taking the time to revisit, resolve and completely satisfy this legal matter for all parties continued integrity. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation