Consumer complaint received 2024-05-17 00:00:00
Product: Mortgage — FHA 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: CA

Complaint narrative:
Upon making Discovery of my Monthly Mortgage Statement, a Qualified Written Request for information and proof of Burden, and a Tender of Payment was made. Following the discovery multiple communications between Planet home lending and I to no Avail even though Specific GAAP Principles, XXXX XXXX, SSAP specific releases were provided, all facts of the matter we ignored or dismissed and non-binding policies. 

* information came back incomplete, * the condition of the requested format for deliverance was non-compliment, * ignored direct request of certain requirements of request, * Admittances of not having original presentment * on same correspondence stating that they had the presentment at an off-site location, but cant say where * Refuse to answer or give explanation as to the matter of fact still being declared in a XXXX economy * Lied and mislead with intention of fraud to defraud * Openly stated that they are above the regulations, policies, operations manuals, and enforcement agencies * when presented with facts and laws, openly dismiss compliance with the law * disregard any wrongdoings even though The Banks Unfair, Deceptive, and Unlawful Servicing Processes Under the States consumer protection laws, the Banks are prohibited from engaging in unfair or deceptive practices with respect to consumers. 
In the course of their conduct, management and oversight of loan servicing in the XXXX XXXX, the Banks have engaged in a pattern of unfair and deceptive practices. 

* The Banks Unfair, Deceptive, and Unlawful Loan Modification and Loss Mitigation Process. 
* The Banks unfair and deceptive practices in the discharge of their loan servicing activities, include, but are not limited to, the following : ** failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; ** charging excessive or improper fees for default-related services ; ** failing to properly oversee third party vendors involved in servicing activities on behalf of the Banks ; ** Imposing force-placed insurance without properly notifying the borrowers and when borrowers already had adequate coverage ; ** providing borrowers false or misleading information in response to borrower complaints ; and ** failing to maintain appropriate staffing, training, and quality control systems. 

these are some of the issues that were disregarded or ignored when the request of Discovery was returned the first initial time, then a Complaint Against Planet Home Lending , LLC ( as Servicer ) and XXXX XXXX XXXX ( as Trustee ) was issued for Planet on XX/XX/year> to respond or re-butte as incorrect. 

Referenced information : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation