Consumer complaint received 2025-06-24 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: RELIANCE FIRST CAPITAL LLC
State: AL

Complaint narrative:
CFPB COMPLAINT URGENT : ESCROW FRAUD & CONFIRMED RESPA/FCRA VIOLATIONS Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX | ( XXXX ) XXXX Servicer : 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 Tampering Issue : Servicer denied a {$610.00} escrow credit visible in their own system ( XXXX  XXXX : screenshot from their portal ). This contradicts : - XX/XX/XXXX payment screenshot showing the credit ( XXXX  XXXX ). 
- CFPBs prior findings Case # XXXX where they admitted escrow errors. 

Violations : - RESPA 1024.17 ( k ) ( 5 ) : Prohibits false escrow account statements. 
- CFPB UDAAP : Deceptive denial of verifiable evidence. 

XXXX. Repeat Errors Admitted in Prior CFPB Case Documented History : - XX/XX/XXXX Statement : Inaccurately reported {$2400.00} as due and mentioned in the XX/XX/XXXX XXXX  where servicer 's falsely claim that they mailed me a response on XX/XX/XXXX but nothing was mailed to me certified and I never received said correspondence. ( XXXX XXXX ). 
- Servicer made no mention to the originally incorrect XXXX statement from the XX/XX/XXXX XXXX outside of the fact that they had fully investigated the issues raised and have determined that no action was required to address these issues as no error occured and a vague mention of their alleged XX/XX/XXXX letter that I never received and my informed delivery shows no mail received from them at all. 
- XXXX XXXX : XXXX, XXXX, and XX/XX/XXXX statements repeats identical errors ( XXXX  XXXX ). 
Violations : - RESPA 1024.35 ( e ) : Failure to correct KNOWN errors. 
- FCRA 1681s-2 ( b ) : Willful misreporting to credit bureaus.

3. Credit Reporting Fraud Evidence : - Credit reports still report inaccurate monthly payment amounts due and inaccurate delinquencies despite : - HAF funds and active loss mitigation covering XXXX XXXX period ( XXXX  XXXX ). 
- Partial claim agreement ( Exhibit XXXX ). 

Violations : - FCRA 1681e ( b ) : Furnishing inaccurate information.

- RESPA 2605 ( k ) : Retaliation via false credit reporting and false dates listed for receipt for XX/XX/XXXX XXXX. 
XXXX. Retaliatory Pattern Post-Lawsuit Timeline of Bad Faith : XXXX. XX/XX/XXXX : XXXX delivered ( XXXX  XXXX : USPS proof ) vs XX/XX/XXXX date listed in response. 
XXXX. XX/XX/XXXX dated non certified response letter : XXXX XXXX XXXX lied about receipt date XXXX XXXX ( claimed XX/XX/XXXX ). On XX/XX/XXXX, I Received untimely, uncertified response denying escrow credit and any other errors Legal Claims : - RESPA 2607 ( k ) XXXX XXXX : Retaliation for lawsuit ( XXXX ) and ongoing state investigation - Alabama Deceptive Trade Practices Act : Fraudulent record alteration. 

XXXX. Demand for Immediate Action 1. Correct escrow account and refund any amounts due + interest. 
XXXX. Delete all late payments reported to credit bureaus since XXXX. 
XXXX. Provide sworn affidavit explaining false receipt date claims. 
XXXXProvide proof of all documents used in investigation as well as a detailed payment history and all internal records as it relates to XXXXXXXX XXXX  and CFPB complaints. 

Attachments : - XXXX  XXXX ( see index ). 
- Prior CFPB case documents.

Company response to consumer: Closed with explanation