Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home 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: WSFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint involves a documented pattern of material federal violations and deceptive practices by the original lender, XXXX XXXX, which have now been transferred to the new owner ( XXXX ) and servicer ( XXXX  ). For complete details, I have attached the " XX/XX/XXXXXXXX  TRANSMITTAL OF LEGAL DISPUTE & EVIDENCE PACKAGE ''. This 80-page comprehensive package serves as a roadmap for the reader and the definitive record of the case ; it contains the following critical components : A Second Notice of RESPA Violation : Documenting the lender 's failure to provide the mandatory 5-day acknowledgment for my initial dispute. 

Exhibit A ( Updated XXXX ) : An itemized recovery demand now totaling {$46000.00}, which accounts for ongoing statutory non-compliance and liquidated losses. 

The Original 50+ Page XXXX : Including the sworn statement of facts and forensic audit originally served on XX/XX/XXXX. 

Formal Notice of Successor Liability : Explicitly putting the new owner ( XXXX ) and servicer ( XXXX  ) on notice of these attached legal liabilities. 

Proof of Service & Transfer Notices : Documentation confirming the initial delivery of the dispute and the subsequent bad-faith transfer of the loan. 

Initial Federal Timing Violation : The original loan ( Loan # XXXX ) consummated on XX/XX/XXXX, violated the mandatory three-business-day waiting period under 12 CFR 1026.19 ( f ). A Senior Executive, XXXX XXXX, admitted in writing on XX/XX/XXXX, that this loan was " out of compliance ''. 

Breach of Consummated " Cure '' Contract : To remedy the initial violation, the lender offered a 7.00 % fixed-rate refinance ( Loan # XXXX ), which was consummated on XX/XX/XXXX. After the federal Right of Rescission expired on XX/XX/XXXX, the lender breached this contract in bad faith by refusing to fund it. 

Deceptive Practices and Equity Stripping : On XX/XX/XXXX, the lender provided contradictory information, demanding an immediate payment on the old loan while verbally canceling the new " cure '' loan using shifting, pretextual excuses. Furthermore, the lender attempted to fund this " no-cost '' regulatory remedy by misappropriating {$11000.00} of my personal escrow equity. 

Statutory Non-Compliance and Transfer : A formal Notice of Error ( NOE ) and Request for Information ( RFI ) was served on XX/XX/XXXX. The lender failed to provide the mandatory 5-day federal acknowledgment required by 12 CFR 1024.35 ( d ). During this active and unresolved dispute, the lender sold the defective asset to XXXX XXXX XXXX XXXX and transferred servicing to XXXX. 

Updated Recovery Demand : Due to continued non-compliance and a documented " pattern or practice '' of federal violations, the recovery demand has been updated to {$46000.00}. This includes {$2000.00} in statutory penalties under 12 U.S.C. 2605 ( f ) for the failure to acknowledge the formal dispute and the bad-faith transfer of the loan.

Company response to consumer: Closed with explanation