Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to report ongoing and systemic inaccuracies in the reporting and administration of my mortgage account by ServiXXXX Solutions. This issue directly mirrors a prior complaint I submitted in XXXX, which received an official response published on the CFPB website. In ServiXXXX Solutions XXXX response, the company stated : The 1st mortgage principal balance is currently {$74000.00} as reflected on the screen prints you attached to the complaint. The 2nd mortgage principal balance is {$8000.00} as reflected on the mortgage statement you attached to the complaint. Combined, your full mortgage principal balance is {$82000.00}. The 2nd mortgage was provided by XXXX XXXX XXXX XXXX XXXX as down payment assistance and is forgivable. As of XXXX, despite having made timely monthly payments of {$1100.00} for the past 12 months, totaling {$13000.00}, my current statements now reflect a first mortgage balance of {$73000.00} and a second mortgage balance of {$8000.00}, for a combined total of {$81000.00} still owed. This represents a reduction of only {$850.00} in principal over an entire yearan amount inconsistent with standard amortization schedules and indicative of improper application or reporting of my payments. In addition, my XXXX XXXX report now shows a balance of {$84000.00}, which is {$3300.00} higher than the actual balance reflected on my account. This clear discrepancy demonstrates inaccurate credit reporting by ServiXXXX Solutions. I have also documented a persistent pattern of duplicate and inconsistent mortgage statements. For example : * In XX/XX/XXXX, I received one statement dated XX/XX/XXXX listing a payment of {$800.00}, and another statement dated XX/XX/XXXX listing a payment of {$830.00}. * More recently, I received overlapping statements for the same billing period : one dated XX/XX/XXXX XXXXshowing a payment due of {$1100.00}, and another dated XX/XX/XXXX XX/XX/XXXX showing the same amount due. This duplication and manipulation of billing periods have occurred consistently for several years. I currently have 38 pages of documented duplicate statements and charges supporting this claim. Despite these irregularities, I have never missed a payment since XXXX and have complete records of all payments made in full and on time. Supporting Documentation Includes : * 38 pages of duplicate and inconsistent mortgage statements issued by ServiXXXX Solutions. * Bank statements and payment receipts verifying full and timely payments. * Credit reports showing inaccurate balances. * Copies of correspondence sent to ServiXXXX Solutions requesting correction and clarification. Requested Action : 1. Conduct a comprehensive investigation into the inaccurate reporting and administration of my mortgage account. 2. Correct and update my credit file to accurately reflect my payment history and true balance owed. 3. Provide written confirmation of all corrections and adjustments made. 4. Notify all credit bureaus and third parties that previously received inaccurate information. This complaint is filed under the Fair Credit Reporting Act ( FCRA ). I respectfully request a prompt and thorough investigation and resolution. If this matter is not resolved in a timely manner, I will escalate it to the Federal Trade Commission ( FTC ), the North Carolina Attorney Generals Office, and pursue all additional legal remedies available to me.

Company response to consumer: Closed with explanation