Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: WI

Complaint narrative:
This complaint shall replace Complaint # XXXX, which was originally submitted XX/XX/XXXX, and withdrawn XX/XX/XXXX. That complaint was withdrawn in order to provide all updated responses from Planet Home Lending and me. 

***** My mortgage is with Planet Home Lending. It has been Planet Home Lending since they took over from XXXX. XXXX a few years ago ( XXXX I believe ). It was still XXXX XXXX when I filed XXXX XXXX Bankruptcy in XXXX, with the help of an attorney. We made it clear that I was doing so in order to keep the home and that I was living in the home with my son. I made all mortgage payments and the additional bankruptcy plan payments throughout the process. Planet Home Lending filed numerous motions and tacked on a ton of fees to the bankruptcy. They also charged property inspection fees indicating they sent someone to verify the home was occupied throughout the bankruptcy. 

I was able to get Planet Home Lending to modify my entire loan this past fall ( effective XX/XX/XXXX ), which closed the bankruptcy. I signed modification papers XX/XX/XXXX, Planet Home Lending signed them XX/XX/XXXX, and Planet Home Lending filed the documents XX/XX/XXXX. My new payment following the modification was {$950.00} starting XX/XX/XXXX. 

The end of year statement for XXXX that I received from Planet Home Lending stated I only paid roughly half of my real estate taxes. I dealt with Planet Home Lending from XXXX to XX/XX/XXXX trying to figure out what was going on numerous and lengthy telephone calls to Planet Home Lending and lack of follow up from them. I verified with my county that my tax bill had been paid in full in XX/XX/XXXX. To make a long story short, Planet Home Lending had paid my real estate tax bill in full XX/XX/XXXX. Then in XX/XX/XXXX, the issued a first installment real estate tax payment for the XXXX tax bill ( as if the tax bill had not paid in full and they were going to pay in two installments like they did in XXXX ). My county returned their check without cashing it as my tax bill had already been paid in full. Planet Home Lending showed this amount as a refund to my account ( even though they never showed the disbursement ), which caused my end of year statement for XXXX to be off. 

Then in XX/XX/XXXX, I received notice from Planet Home Lending that my monthly payment was increasing to {$1100.00} due to an escrow shortage. Obviously, I was outraged after the mess I had already dealt with. This prompted emails back and forth between myself and Planet Home Lending ( see attachments ). 

I have been trying to refinance through a local bank ; however, no one will take me due to the bankruptcy being too recent and my poor credit score. One banker recommended I file a complaint with CFPB. I did so on XX/XX/XXXX, over the telephone due to portal issues. I was not able to log in to the portal or submit supporting documentation until XX/XX/XXXX. Planet Home Lending had already responded directly to me by then. Long story short, they basically are saying they made an error and are using it for training purposes so others dont experience what I have. They sent me a refund check of {$210.00}, and are saying my new payment as of XXXX is {$960.00}. 

I have responded to Planet Home Lending indicating that I want my payment set back to {$950.00} the amount it was based on my recent modification the amount I signed in agreement to. Their errors should not increase my monthly payment. I want them to refund me an additional {$100.00}, which is the full amount of all my overpayments due to their errors less the {$210.00} they already sent me. I also want them to remove additional charges of {$210.00} ( property inspection fees and recording fees ). This is better outlined in the attachments. 

In going over all information while preparing this complaint, I took a better look at the Corporate Advance Fees chart Planet Home Lending provided me on XX/XX/XXXX. I sent a new email to Planet Home Lending demanding an explanation of the fees they are passing on to me, as nothing adds up. My email is included in the attachment for details, but basically once again their explanation does not make sense ; their math doesnt even add up. I also re-addressed the additional fees that showed up on my mortgage statement in XXXX recording fees and title report fees ( part of the {$210.00} I believe should be removed ). I want to know if these are being passed on from the Corporate Advance Fees chart or if something new was filed. These fees do not appear in my account online anywhere, yet randomly get added on to my statements. I question whether fees are being double-charged to me. 

Planet Home Lendings predecessors, XXXX. XXXX pulled XXXX on my mortgage all the time.sending escrow analyses stating there were shortages and increasing my monthly payments/refusing to work with me on payments or modify my loan which resulted in my filing XXXX XXXX. XXXX XXXXXXXX was actually prosecuted in a class action suit. Planet Home Lending is just as guilty. At this point, I feel they should have to lower my interest rate in order to make up for all the stress they have caused, let alone the amount of time I have spent dealing with their errors. I can guarantee you if this is what they have done on my account, they have done similar to thousands of others. Mortgage companies make so much money on our accounts and it is a big deal when they make the type of errors they have on my account. Bigger than just a woops, we apologize and we are going to use this as a training tool. None of this is okay on any level!

Company response to consumer: Closed with explanation