Consumer complaint received 2026-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mortgage Research Center, LLC
State: MD

Complaint narrative:
Summary of the Problem I am filing this updated complaint because XXXX XXXX XXXX XXXX continues to mishandle my mortgage account, provide incorrect payment information, block my ability to make payments, and avoid addressing the issues raised in my previous CFPB complaint. Instead of responding to the servicing errors, they sent me a generic mortgage assistance application, which did not address any of the concerns I raised. At the same time, the mortgage company has provided their attorney with accurate information for the purpose of filing a Motion to Remove the Automatic Stay in my bankruptcy case yet they refuse to provide me with accurate information about my own account. This is extremely concerning and appears to be intentional. -- - Details of the Servicing Errors 1. Incorrect Payment Amounts XXXX XXXX is reporting my monthly mortgage payment as {$2100.00}, which is incorrect. My actual contractual payment is {$1600.00}. This inflated amount is being used in their legal filings, including their attorneys Motion to Remove the Automatic Stay. They have not explained why their numbers are wrong or why they have not corrected the account. 2. Improper Response to My Previous CFPB Complaint My original complaint asked for : Correction of the incorrect payment amount Explanation of inaccurate balances Correction of account errors Restoration of payment access Clarification of escrow and suspense activity Instead of addressing any of these issues, the company sent me a mortgage assistance application, which is not responsive and does not comply with 12 C.F.R. 1024.35 ( Regulation X errorresolution requirements ). They did not investigate the errors, did not correct the account, and did not provide a written explanation. 3. Blocked Payment Access I am still unable to make payments : Online payments are blocked XXXX payments are unavailable or rejected The company is preventing me from paying, while simultaneously claiming I am not paying. This is unreasonable and appears to be deliberate. 4. Providing Accurate Information to Their Attorney but Not to Me XXXX XXXX has provided accurate figures and documents to their attorney for court filings, yet refuses to provide me with the same accurate information when I request it. This raises serious concerns about transparency, fairness, and compliance with federal servicing rules. 5. Filing a Motion to Remove the Automatic Stay Using False Information Despite : Incorrect payment amounts Blocked payment access Failure to correct errors Failure to respond properly to my CFPB complaint the companys attorney has filed a Motion to Remove the Automatic Stay in my bankruptcy case. They are attempting to use their own servicing errors as grounds to lift the stay, while still refusing to restore payment options or correct the account. -- - Impact on Me Because of their errors and refusal to correct the account : I can not make payments through normal channels My account reflects incorrect information I am being accused of being behind due to their own mistakes Their attorney is using false numbers in court My family and I are under significant stress I am being placed at risk of foreclosure due to errors I did not cause -- - What I Am Requesting I am asking the CFPB to require XXXX XXXX to : 1. Correct the payment amount to the accurate {$1600.00} 2. Provide a full and accurate accounting of my loan 3. Explain and correct all errors raised in both complaints 4. Restore all payment methods, including online and XXXX 5. Provide the same accurate information to me that they provide to their attorney 6. Stop using incorrect figures in legal filings 7. Withdraw or correct the Motion to Remove the Automatic Stay 8. Comply with Regulation X and respond properly to error notices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation