Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Idaho Housing And Finance Association
State: ID

Complaint narrative:
I am submitting a complaint against HomeLoanServ ( Idaho Housing and Finance Association ) for predatory account drafting, negligence, and severe credit reporting damage. My monthly mortgage portion is {$180.00} through XXXXXXXX XXXX XXXXXXXX XXXX. ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) They successfully pay their {$1300.00} portion on the XXXX of the month. ( I'm almost certain it's the XXXX ) Despite receiving XXXX 's payment and my portion clearly being {$180.00} on HomeLoanServ 's website for autopay, Homeloanserv unauthorizedly drafted {$1500.00} from my personal checking account on XX/XX/XXXX. They overcharged me {$1300.00} and they repeated this unauthorized double-drafting the following month on XX/XX/XXXX after I talked to them numerous times about my additional XXXX XXXX XXXX which I am treated for due to XXXX health conditions and XXXX. I did have to call them innumerable times about my overdraft fees that would have been more had I not worked with XXXX to reverse some and I put my own monies form my XXXX acct to cover nearly {$1200.00} to get me out of 'negative '. My monthly income is {$1000.00} for XXXX. There were 3 overdraft charges ( more but I XXXX was kind enough to waive some ) of {$24.00} on XX/XX/XXXX, XXXX, and XXXX. I struggle with technology, a lot and thought I had sent Homeloanserv a copy of said overdraft fees, but it was only much later when I continued calling to find out why I hadn't received any refund yet, that I was informed they needed last XXXX of my ss # and couldn't do anything without it. Phone calls are difficult for me to begin with as I get flustered, especially when I'm not heard and I can't say customer service was 'pleasant ' to be talking to. So I resent with my ss # ( last XXXX ) Then I was told well, you just won't be able to do auto-pay which I felt was wrong as why should I not be given the same rights/service as anyone else? So I did make a stink about that and eventually was able to do auto-pay and knock wood they since haven't charged me the full amount but managed to send misinformation to the creditors and destroyed my credit ratings. ( which were very good to excellent .. in the XXXX 's ... now low to mid XXXX 's ) And I do want to mention that I think they sent the 'difference ' after the error was made, but I can't be for certain as I don't see that it's reflected in my XXXX statements. which is a bit confusing and frustrating for me but obviously they'll have a check that's either cashed or not, which if the latter that means that they did correct their mistake and I may have misplaced it? As being XXXX does cause XXXX XXXX at times but normally I have a caregiver to help with these things. They did finally send a check for the 3 overdraft fees in XXXX. When this again happened in XXXX I just so happen to be talking to them about the previous month 's err and realized it happened again when I was actually getting ready to walk into XXXX. My caregiver was with me at the time. The customer service rep spoke to the tellers there and they explained and said that the XXXX had just gone through via my checking account, yet the cs rep said they needed 'more proof ' so a replacement check was delayed for an entire week. Due to the length of time withholding my money, my account stayed negative for days, causing more overdraft fees to pile up. There are 7 total for XXXX each. I have sent them ( twice ) copies of dates and amounts of fees, yet have still not received a check for the amount incurred. Also on XX/XX/XXXX, 'derogatory ' activity and a 'payment delinquent more than 120 days showed up on my credit bureau reports and significantly dropped my score from very good and excellent to fair. ( nearly XXXX points in XXXX day ). I have disputed this with the agencies and called Homeloanserv innumerable times to no avail. My realtor I believe may have spoke to them but not for certain however I did sign a document today so she has 'permission ', so to speak, and I believe she said she'll call them Friday ( I struggle to fight my own battles at times as I get extremely over-emotional due to my XXXX but felt that this needs to be looked into further as I had planned on purchasing a car and need to get around especially since at this time I do not have that caregiver any more nor any one to help me, including transportation ). I called Homeloanserv after I spoke with her ( today, Tues, XX/XX/XXXX at XXXX XXXX ) and asked specifically is my account open, are you showing any amounts that I am 120 days late and are you showing that I am late at all to which the former was answered yes, and the 2 latter were both no 's. Which I do have in a XXXX minute recording ( not sure what he had to check, I believe it might have been XXXX 's payment as I was on hold for some time ). I worked hard to get my credit were it was, have never missed a payment since reestablishing my credit a few years back ( all payments since XXXX to Homeloanserv have been ON TIME. All payments have been on time and I had my usage down to 0 % until recently when I had to hire an attorney and that's the grievance I'll be filing but with a different organization. ; ) So frustratingly, I not only am unable to purchase a vehicle which runs, but my credit is shot. Despite over-collecting from me, HomeLoanServ falsely reported my active loan to the credit bureaus as 'Closed ' and 'Derogatory ' starting in XXXX. The only 'derogatory ' was THEIR error in taking out over {$2600.00} from my account while already having received the amount from XXXX . I demand that HomeLoanServ : Fully refund all XXXX bank overdraft fees caused by their unauthorized drafts and delayed refunds and completely wipe the 'Closed ' and 'Derogatory ' marks from my credit reports, restoring my account to OPEN and CURRENT. I'm not super familiar with creditors these days, it's been decades since I had credit but the gentlemen I spoke to from XXXX said that it wouldn't go back to 'where it was " that I would have to 'work on it ' to get it back to an 'excellent rating '. which I'm certainly hoping that he is misinformed. I worked too darn hard to get where I'm at and own my own home through the XXXX XXXX etc. Thank you for your time. and I need to add that I just looked at any emails from Homeloanserv and they sent one to me on XX/XX/XXXX re ; the copies from XXXX of the overdraft fees, and apparently they want me to resend because they need the last XXXX of my ss # which is clearly in said email. ( attached below ). ( and my apologies as it does look like ( according to my own email below ( that's allegedly lacking the last XXXX of my ss # ) that I did receive the overpayment charge of {$1300.00} in the month of XXXX and now I vaguely do remember them sending it promptly. But I also remember the rudeness and the representatives that were clueless and kept telling me you'll have to call back when there's someone available that is familiar with the overcharge etcetera. Again. thank you. From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/year> XXXX XXXX To : XXXX XXXX Subject : [ XXXX ] XXXX XXXX SS XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Idaho XXXX CAUTION : This email originated outside XXXX. Do not click links or open attachments unless you recognize the sender Edit : email and attachments actually make it to you this time we shall see I guess here in the next day or two thank you XXXX XXXX SS # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Idaho XXXX ; {$170.00} overdraft fees and because of the number of overdraft fees charge I didn't have enough money to cover my bills and therefore I am paying I believe I don't know 30 % interest I don't remember and I'm too exhausted to even check right now but shouldn't have to do that. I realize mistakes happen but everybody seems to rely on technology I don't know whose fault this was but once okay and you guys sent me a check the following day to cover the {$1300.00}. But you did it again the second month when the portal clearly stated my portion which is XXXX and yet it still happened again and took over a week to get that money sent to me to put in my bank and I was even at the credit union when I was talking to home loan served and there were nothing seemed to be enough to prove that it already went through yet the the previous month they sent it right out as if I'm going to make up oh my gosh yeah I'm sorry I'm I can't deal with this right now and I'm sorry I started babbling but it's XXXX in the XXXX I haven't slept and this has been going on nightly. Please please please do not pull out {$1500.00} in XXXX. or any months thereafter. I you can get some trouble I'm waiting for a call from XXXX XXXX as I don't know yet if or what I'm going to do re ; this matter/s. And more often than not I was treated rudely disrespectfully by many customer service reps they found but more reps actually didn't know anything about what was going on and I found that very frustrating for lack of a better word. The second month it happened for nearly a week nobody could get the check sent and nobody could give me a tracking #, nobody knew what what was going on.I don't even want to think about how long I spend on the phone trying to rectify this error I'm done babbling. For now neway Hopefully you already received this paperwork from another email I ( thought ) I'd already sent but can't find it in the sent section of my old dinosaur tablet. If so you won't have to read this mumbo jumbo sleep XXXX XXXX XXXX time in my life rn. But I would appreciate some assurance this isn't going to happen again. thank you for your time Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation