Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am an active-duty XXXX XXXX XXXX currently XXXX overseas in XXXX, XXXX. My mortgage account is subserviced by XXXX XXXX on behalf of CMG Financial ( NMLS # XXXX ). This complaint supplements my prior CFPB complaints # XXXX, # XXXX, and # XXXX and reports a sixth unauthorized call received today, XXXX XXXX, 2026, as well as a pattern of retaliatory phone contact and misrepresentation of company affiliation by XXXX XXXX representatives. On XXXX XXXX, XXXX at approximately XXXX PM XXXX XXXX XXXX, a representative named XXXX called my mobile telephone number from XXXX ( XXXX ) XXXX. I recorded this call in its entirety. During the call I immediately informed the representative that CMG Financial and XXXX XXXX are on a formal do not call list and that the call would be submitted to the CFPB as a telecommunications violation. The representative acknowledged the call was a callback on the loan. When I asked whether she was with XXXX or CMG, she initially identified herself as a CMG representative. Only after I pressed her directly did she admit she was actually with XXXX XXXX. This misrepresentation of company affiliation is captured on the recording and raises serious concerns about whether XXXX XXXX representatives are being transparent with borrowers about who is actually calling them on outbound calls. This is the sixth documented call placed to my mobile number by XXXX XXXX after written revocation of consent. My first written revocation was submitted on XX/XX/XXXX through XXXX XXXX secure servicing portal. The complete call record is as follows : XX/XX/XXXX at approximately XXXX PM XXXX from XXXX ( XXXX ) XXXX ; XX/XX/XXXX at approximately XXXX AM XXXX from XXXX ( XXXX ) XXXX ; XX/XX/XXXX at approximately XXXX PM XXXX from XXXX ( XXXX ) XXXX ; XX/XX/XXXX at approximately XXXX PM XXXX by representative XXXX ; XX/XX/XXXX at approximately XXXX PM XXXX by representative XXXX from XXXX ( XXXX ) XXXX ; and XX/XX/XXXX at approximately XXXX PM XXXX by representative XXXX from XXXX ( XXXX ) XXXX. The timing and pattern of these calls is consistent with retaliatory conduct. Each time I have submitted a formal TCPA notice through the servicing portal or filed a CFPB complaint, XXXX XXXX has responded by continuing to place calls rather than honoring my written instructions. My XXXX XXXX, XXXX portal notices formally documenting the TCPA violations and amending my damages demand to {$7500.00} were followed the very next day by another unauthorized call from the same representative and the same number that placed the XX/XX/XXXX violation. This pattern of escalating contact in direct response to my formal complaints is consistent with the retaliatory conduct I have documented across my broader complaints regarding this account and constitutes an unfair and abusive act or practice under 12 U.S.C. 5531. Cenlar FSBs history of this exact conduct is a matter of federal record. XXXX XXXX paid {$710000.00} to settle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case XXXX XXXX XXXX ( XXXX. XXXX. ), a federal TCPA class action for placing calls after revocation of consent, which received final court approval on XXXX XXXX, 2025. Todays call occurred less than XXXX year after that final approval. XXXX XXXX is also subject to XXXX XXXX XXXX XXXX, issued in XXXX 2021, for unsafe and unsound practices and failure to maintain effective internal controls. Cenlar FSBs continuation of this conduct after a federal monetary judgment against it for the same behavior, combined with the misrepresentation of company affiliation documented on todays recorded call, demonstrates willful and knowing noncompliance. I am amending my total statutory damages demand to {$9000.00}, representing {$1500.00} for each of the XXXX documented knowing and willful violations of 47 U.S.C. 227 ( b ) ( 3 ). I am additionally demanding reimbursement of all international calling fees incurred as a result of Cenlar FSBs refusal to honor my written communication instructions, which XXXX XXXX has repeatedly declined to provide. These demands do not waive any other legal remedies available to me under federal or state law, including claims under the Servicemembers Civil Relief Act, 50 U.S.C. 3901 et seq., the Equal Credit Opportunity Act, 15 U.S.C. 1691 et seq., the XXXX Fair Debt Collection Practices Act, XXXX. XXXX. XXXX XXXX et seq., and all applicable California consumer protection provisions.

Company response to consumer: Closed with explanation