Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
XXXX XXXX Lending received loan from XXXX XX/XX/XXXX XXXX blamed XX/XX/XXXX the reason the {$XXXX} property tax refund PAID BY CONSUMER AROUND XX/XX/XXXX with a loan to value property of XXXX  % NO IMPOUNDS in the loan.Prior server PAID taxes in XX/XX/XXXX that were not due.Without any tax bill.Statement XX/XX/XXXX showed XXXX about XXXX consumer who had paid {$XXXX} tax found out XXXX was claiming {$XXXX} sent early XX/XX/XXXX Knowing the tax office can take 90 days + to post.Caused consumer to get refunds of {$XXXX0} XXXX  received {$XXXX just a couple of months after they paid.Transfered XXXX XXXX after XXXX of attempts to resolve filed complaint CFPB telling them NOT ONLY was no taxes due XXXX would receive another refund.Which they tried NOT TO cash sent back to tax XXXX finally cashed {$XXXX0} and forward it to XXXX XXXX  Lending who without ANY NOTICE to me ( other than small print in statement refund {$XXXX} NOTHING about tax.XXXX  XX/XX/XXXX put towards PRINCIPLE CURTAILMENT XXXX  had prior to that put the {$XXXX0} tax refund same way when i cought them they reversed it deducted from the FAKE ESCROW ACCOUNT .Refused to do it with {$XXXX} XXXX XXXX did nt send with correct instruction.This another LIE I had already made complaints to CFPB and emailed XXXX & XXXX proof of the impounds were XXXX XXXX  Copies of TAX letters cashed checks.No late payments.Yet XX/XX/XXXX XXXX asked for {$XXXX} XXXX paid.XXXX  asked for additional {$XXXX} with a LETTER XX/XX/XXXX SAYING YOU ARE SERIOUSLY BEHIND PAYMENTS .RESPA LAW WAS NOT CONSIDERED or my many emails to XXXX XXXX XXXX tried to help.Man from XXXX  in TEXAS came on phone said I don '' t give a d___n about impounds or prior refunds.Your problem .You are a commerical account.I will make another complaint with all the emails to XXXX XXXX XXXX XXXX XXXXt misdirected the real payment put in suspense TOOK XXXX partial amount {$XXXX} & {$XXXX} is unidentified un applied then back dated XX/XX/XXXX {$380.00} from escrow KEEPING fake escrow Even posting payments not just suspense OTHER XXXX {$XXXX0} AMOUNT SAYS PAID YEAR TO DATE. Tax office XX/XX/XXXX just gave a credit of {$XXXX} list in history as just refund .Statement said tax refund.YET I PAID TAX IN XXXX {$XXXX} + {$XXXX} this XXXXL company NOT EVEN BBB accredited .Game is they pay before tax is due the {$XXXX} pdOct XXXX XXXX DUE DATE XX/XX/XXXX .Never send TAX BILL .The tax office requires in mail ffor history.XXXX said last letter THEY HAVE A HARD TIME GETTING INFORMATION FROM TAX OFFICE.Fraud to demand payments from consumer CLAIMING ACCURATE ACCOUNTING.Then getting refunds BECAUSE THEY INTERFERE and intent to mislead and defraud.Taking payments putting in suspense listing as PARTIAL when took it for escrow then used part of it.RESPA LAW DOES not allow only 30 days after loan transfered to CLAIM SERIOUSLY BEHIND read your letter LOAN TRANSFERED XX/XX/XXXX XXXX XXXXent notice they were servicing until XX/XX/XXXX YOUR DEMAND LETTER XX/XX/XXXX askiing for tax money.Then refusing to look at tax letters PROOF RECIEVED BY your tax dept NEXT COMPLAINTXXXX XXXX  LENDING has mis lead mis applied mis directed even my XXXX saying it would have changed my % rate if XXXX  would have corrected the XXXX in XXXX. Even shows redunds from investor WHO HAS BEEN XXXX XXXX SINCE DAY ONE after Loan care. I can not pay taxes then worry in my payments if i dont pay the fraud impound account that is NOTHING MORE THAN A MERRY GO ROUND. I have no clue what is due it takes 90 days to write for HISTORY. XXXX has mis applied used partial payments put payments LISTED AS OTHER in suspense ... .All of these buy downs EVEN XXXX LISTED AS A BALANCE TRANSFER AS A RESULT OFA SERVICE RELEASE??? Even a refund due to investor transfer ... ..I AM LOOKING FOR A EXPERT WITNESS .Why does a fixed rate conventional XXXX XXXX XXXX XXXX  DEED XXXX XXXX RESIDENTIAL CONFORMING FOURPLEX XXXX appliication shows a equity line credit LOAN ORIGINATOR WROTE THE letter nothing in zoning or appraisel or escrow saying COMMERCIAL OR insurance .JUST ONE MORE fake claim from XXXX.What is this buy down principle curtailment so important in your attempt with partial payments and suspense unidentified or unapplied while you take TAX money redirect it claim to IRS YOU PAID PROPERTY TAXES FANNIE MAE SAID THERE ARE FORMS THAT SHOULD HAVE BEEN FILLED OUT.I say why would XXXX BOTHER WHEN ANSWERS TO CFPB are not even ANSWERS .To answer with XXXX HAS A HARD TIME GETTING TAX INFO XXXX  IS SHOWING THE INTENT A TAX BILL AND COPY OF PROOF WHO MADE THE PAYMENT? I demand my account to either be transfered to a real BANK or you take off this impound account ... ... You do not have the personal or the ETHICS to continue I want no impounds from your inept company on this XXXXXXXX % LOAN TO VALUE PROPERTY WAS FREE AND CLEAR I HAVE HAD ENOUGH OF YOUR TACTICS

Company response to consumer: Closed with explanation