Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am writing to request that CMG Financial process an additional principal-only payment of {$7400.00}, to be applied to my loan effective XX/XX/year>. I am also formally raising allegations of retaliation and discriminatory treatment in connection with CMGs refusal to provide reasonable account access. VA LOAN PREPAYMENT RIGHT Under 38 CFR Section 36.4311, I have the right as a VA borrower to prepay my loan at any time, without premium or fee, in whole or in part. This is a federally protected right. It does not go away because of holds placed on my account or because your servicing system has a technical limitation. XXXX created this restriction, and that does not relieve XXXX of its obligation to honor my prepayment rights. RETALIATION EXERCISE OF CONSUMER PROTECTION RIGHTS Under the Equal Credit Opportunity Act, 15 U.S.C. Section 1691 et seq., as implemented by Regulation B, 12 CFR Part 1002, it is unlawful for a creditor to discriminate against or retaliate against a borrower for exercising any right under the Consumer Credit Protection Act in good faith. I have done exactly that by asserting my prepayment rights and submitting a complaint to the CFPB. The timing and nature of the restrictions currently on my account raise a clear inference of retaliation in response to those protected activities. I am formally raising this as a retaliation claim under ECOA and Regulation B. DISCRIMINATION BASED ON MILITARY AND VETERAN STATUS I am an XXXX XXXX United States servicemember currently XXXX overseas. Under XXXX Unruh Civil Rights Act, military and veteran status is a protected class. California law explicitly prohibits banks, lenders, and financial institutions from discriminating against borrowers on the basis of military or veteran status in any service they provide. XXXX refusal to enable online payment access or provide any fee-free alternative places a burden on me that exists solely because of my XXXX status. Borrowers who are not XXXX do not face international calling fees to exercise the same right I am trying to exercise. That is disparate treatment based on my military status, and it is unlawful under California law. This is further supported at the federal level. Under the Servicemembers Civil Relief Act, 50 U.S.C. Section 3901 et seq., I am protected from financial penalties and burdens that arise directly from my military service. Requiring me to pay international calling fees as the only available path to making a federally protected prepayment effectively imposes a fee tied exclusively to my deployment. That is a violation of both the SCRA and my prepayment rights under 38 CFR Section 36.4311, which guarantees this right without premium or fee. UNFAIR AND ABUSIVE PRACTICES 12 U.S.C. SECTION 5531 CMGs conduct also violates the Dodd-Frank Act, Section 1031, codified at 12 U.S.C. Section 5531, which prohibits unfair, deceptive, or abusive acts or practices in consumer financial services. A practice is unfair when it causes substantial injury to a consumer that they can not reasonably avoid. I can not avoid this situation. XXXX placed the holds, XXXX restricted the system, and XXXX has refused every reasonable accommodation. The harm flows entirely from CMGs own decisions.

Company response to consumer: Closed with explanation