Consumer complaint received 2026-05-21 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: Imperium Lending, LLC
State: ID

Complaint narrative:
XXXX XX/XX/2026 To : the Federal Consumer Financial Protection Bureau REF : Imperium lending complaint demonstrating a predatory lending practice resulting in a loss of personal property To Whom It May Concern : In XX/XX/2026, I was invited by Imperium Lending to refinance my VA guaranteed XXXX XXXX mortgage loan. If I did so, my loan interest rate would drop significantly ( it did ), and I would receive two months to defer the first two subsequent new mortgage payments. At the time of signing papers for the refi i inquired about the two months of deferred payment start. The loan technician said to stop paying them immediately. So, I did not make the XXXX and XXXX mortgage payments as directed. I contacted the mortgage servicing company appointed by Imperium, XXXX XXXX XXXX and was notified that I in fact, was required to make the payments for XXXX and XX/XX/2026 or my credit report would be negatively affected. So, I made a late payment in XXXX to be credited for XXXX. While waiting for my XXXX credit to be registered to my account, I did not make an XXXX payment. Recently, I received a letter from XXXX XXXX XXXX ( XXXX ) the loan servicer, dated XXXX XX/XX/2026 that my loan was in Default for not making the XXXX payment so I immediately made the payment on XXXX XXXX via phone and was notified that my credit report would be negatively affected since it was over 30 days late. Of note I reviewed my bank statements that demonstrated I have made every monthly payment to XXXX since XXXX XXXX-present. During that time, I should find at least two consecutive months during which no payments should have been pulled from my Credit Union debit account. To make the XXXX and XXXX required payments, I sold my personal property including my car, home furnishings, coin collection, and all but one gun in my gun collection. About $ XXXX. and put my home up for sale. I am a 100 % XXXX veteran by the VA. I believe the error was made when Imperium changed loan servicing companies during my refinancing administration. I got lost somehow in the changeover. Any delay in payments as promised by Imperium was not communicated to XXXX. I got lost in the sauce. I have tried to contact Imperium Lending on numerous occasions to the advertised phone numbers ( 2 ) [ XXXX ( XXXX ) XXXX. Every attempted contact with a service help line was not answered by a human but rather by a recording. Because of the complexity of my circumstances, I needed to talk to a loan officer immediately. I also attempted contact with the same imperium lending via its website, where a written request was sent forward to a black hole that never returned my call. Due to the complexity of my case, I needed to talk in detail to a loan officer, but none were available. Further investigation on the internet about Imperiums reputation as a service scammer revealed that the XXXX has received a multitude of complaints in XX/XX/2026 reported on the internet regarding poor, unprofessional service help that was required regarding products that Imperium sold to other customers. Co-owners of Imperium is : XXXX XXXX and XXXX XXXX need to be investigated by the Federal Consumer Protection Bureau for predatory loan practices. their license should be investigated and impounded temporarily during the investigation to protect others who have been scammed via such poor service performance, leading to predatory loan practices of their agents. Here is what action I request from Imperium Lending that I need : 1.I would like to see Imperium hire a person rather than a phone machine to receive requests for timely service help on their loans and clean up their reputation with the XXXX for poor phone service during XX/XX/2026. 2. Co-owners XXXX get off the golf course and back in the office during published office hours. 2.Further, I expect Imperium to honor the promise of delaying two consecutive payments immediately so I can recoup my personal belongings losses and credit and save my home from sale. 3.Finally, Imperium submits to the three credit bureaus their error and repairs my credit. CC : XXXX and the VA Loan Administration regarding predatory loan behavior toward veterans as reported by the XXXX.

Company response to consumer: Closed with explanation