Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WRJ Holdings, LLC
State: CA

Complaint narrative:
To Whom It May Concern : Timeline of Key Events : Closing Date ( XX/XX/year> ) : {$5000.00} seller credit explicitly allocated for HOA obligations per executed addendum. Post-Closing : Lender applied the full credit to closing costs, ignoring the addendum. Escrow Involvement : XXXX XXXX XXXX, as the closing and disbursing agent, failed to ensure proper allocation of funds in accordance with the executed addendum and closing instructions. Follow-Ups : Multiple attempts to resolve ; lender demanded I redo paperwork or involve counsel. No corrections made. Discrepancy : {$320.00} post-closing error demonstrates additional processing mistakes. ________________________________________ Complaint Details : My name is XXXX XXXX, owner of the property located at : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX and XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX, California ). I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX, along with First American Title, failed to properly apply a {$5000.00} seller credit, despite a fully executed addendum clearly specifying its use for HOA obligations. I am not seeking duplication of benefits, but the lender and escrow agent must apply these funds exactly as contractually intended. I am currently paying my standard monthly HOA obligations in full, consistent with the XXXX XXXX Cost Guide and HOA Video Meeting Recording provided by the developer. The {$5000.00} credit remains the only misapplied portion, representing the intended coverage for HOA monthly charges during the first year. The HOA and recreational fees are being charged for amenities that do not yet exist. Under California Department XXXX XXXX XXXX ( XXXX ) guidance, developers may not impose fees for unbuilt or unavailable facilitiesthis raises a serious regulatory concern. The additional {$320.00} discrepancy further confirms systemic errors in closing and post-closing handling. Despite repeated efforts to resolve this directly, I was told to redo paperworkthis is unacceptable, as the responsibility lies entirely with the lender and escrow agent. ________________________________________ Requested Resolution : Immediate correction of the misapplied {$5000.00} credit in accordance with the executed addendum. Direct payment or proper allocation of HOA obligations as originally agreed. Full correction executed without requiring any action, documentation, or burden on me. Written confirmation and a detailed accounting of the corrected allocation. ________________________________________ Conclusion : This matter is straightforward, documented, and contractual. Both the lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the escrow agent ( First American Title ) share responsibility for this failure. I respectfully request CFPB intervention to enforce compliance and ensure immediate correction of the misapplied funds without further delay or burden on me. ________________________________________ Sincerely, XXXX XXXX

Company response to consumer: Untimely response