Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: West One Capital Group Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a loan secured by my primary residence located in XXXX, California. This is a consumer loan, not a business-purpose loan. A prior inquiry appears to have been misunderstood or improperly categorized, and I am requesting review under consumer mortgage lending and servicing protections. The loan was originated in or around XX/XX/XXXX through a broker connected to lender XXXX XXXX. Since XXXX, I have repeatedly requested proper loan statements, payoff statements, reinstatement figures, accounting records, ownership information, and documentation establishing the authority of the parties attempting to service and foreclose on this loan. Instead of receiving complete disclosures and accurate documentation, I received inconsistent payoff demands, foreclosure threats, Notices of Default, and communications demanding balloon payments and foreclosure-related fees. The amounts demanded have changed multiple times, and breakdowns of charges were delayed, incomplete, or inconsistent. On or about XX/XX/XXXX, I specifically requested mailed statements and accounting information. I was informed by the lender that she was not required to provide statements in the manner requested and that foreclosure proceedings would continue if I did not comply. Since then, I have continued requesting proper documentation and validation of the debt, servicing authority, ownership information, and legal capacity of the parties involved. In XXXX and continuing into XXXX, despite my complaints and repeated requests for disclosures and clarification, I continued to receive threats related to balloon payments, foreclosure proceedings, reinstatement demands, and Notices of Default against my home. Rather than being provided clear disclosures and accounting, I have continued to experience pressure, escalating demands, and foreclosure-related communications without adequate transparency regarding the servicing and authority behind this loan. Additionally, XXXX XXXX and/or XXXX XXXX XXXX have acted in a servicing and foreclosure capacity by issuing reinstatement demands, payoff demands, foreclosure notices, and collection communications regarding my home. However, despite repeated requests, I have not received sufficient disclosure regarding licensing, authority, servicing rights, ownership of the loan, or the legal basis under which they are acting. The lack of disclosures and accounting has caused substantial harm and confusion, including interference with housing-related matters and my ability to fully understand and resolve the loan. I believe the loan is being improperly treated as a business-purpose loan to avoid consumer disclosure and servicing requirements. Dates of concern include : XX/XX/XXXX XXXX originated. XX/XX/XXXX Request for statements and accounting information. XX/XX/XXXX through XXXX Repeated payoff demands, balloon payment threats, Notices of Default, reinstatement demands, and foreclosure-related communications. XXXX Continued requests for validation, accounting, ownership information, licensing disclosures, and servicing authority.

Company response to consumer: Untimely response