Consumer complaint received 2024-03-25 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:
Planet Home Lending in the last response PROVES THE INTENT TO DEFRAUD ME WITH MALACE AND FORTHOUGHT .I am supplying proof.This is not a new complaint it is the same complaint since XXXXThe 1099 sent to me from XXXX XXXX is false.XXXX knew in XXXX from the XXXX TAX OFFICE & me the taxes were paid by me.Refunds to them cashed in XXXX and my refunds ( because of thier interference ) along with the EXTRA COLLECTED TAX ESCROW acct created for the sole pupose of collecting fees from me.Planet says after I complained to CFPB showing my tax refunds not being applied to the escrow account. ( THAT SHOULD HAVE NEVER EXISITED ) XXXX lied to IRS on 1099 XXXX saying they paid {$2000.00} property taxs for me.XXXX  had refund checks cashed by XX/XX/XXXX from tax office THAT I PAID DIRECTLY no impound account {$700.00} with knowledge of {$650.00} being mailed to them XXXX sent it back to tax office.Tax office sent back to XXXX cashed it XX/XX/XXXX sent it to Planet Home Lending.Not telling me about it.In the monthly statement bottom small print says refund other.Planet with other property tax refunds I PAID directly to tax office applied to priciple cutailment.I had no knowledge until XX/XX/XXXX from tax office.Planet reversed some of the MISSAPPLIED PAYMENTS THEY HAD PURPOSELY not refunded to their fake ESCROW ACCOUNT for the sole purpose of gaining fees and putting me in jepordarty of foreclouser.In this response it shows how Planet is lying to say they had nothing in their file that told them to put refund back in escrow account .Blaming XXXX  for sending to them the {$650.00} with no instruction of what it was for.The irs tax code does not ALLOW A SERVICER TO CLAIM THEY PAID PROPERTY TAX FOR A BORRROWER WHEN THEY HAVE KNOWLEDGE IT WAS PAID BY BORROWER AND REFUNDED BY TAX OFFICE.Planet is with full knowledge of the consumer me SENDING THE refund problem to XXXX XXXX at Planet TO XXXX  Supervisor TAX OFFICE planet all in XXXX ALONG with the CEO OF Planet Home Lending I HAVE PROOF IN EMAILS and faxes and mail + ALL OF THESE SAME COMPLAINTS TO CFPB all on the same problem.The {$760.00} payment Planet said went to XX/XX/XXXX payment LIE the payment was made on time.The additional $ was paid to the escrow account .Planet put in suspense and the amount i have no idea what they did with it as there are so many refunds and reversals ( same game in insurance ) with every time i report to CFPB THEY FIND MORE WAYS TO SAY ITS A ERROR .NOT ERRORS. 
I WILL THIS TIME SEND REGISTERED MY PROOF .Planet hopes to keep charging me monthly and trying to make me wait three years to find out the escrow account is made to look like i did nt pay taxes. 
XXXX XXXX SUPERVISOR tax office all had knowledge of my letters from XXXX  TAX OFFICE SHOWING THE REFUNDS IGNORED FOR THE SOLE PURPOSE OF MAKING ME PAY A MONTHLY INCREASE PAYMENT THEN ADDING never supply proof of where these refunds come from I JUST HAD 2 MORE JUST SAY TAX REFUND nothing matchs in history even refunds insurance and charges with head PLANET INSURANCE sending email after 3 years he fixed it... Planet Home Lending last letter says they could not fix the 1099 they sent me because it would change my % rate .I have a fixed rate XXXX XXXX XXXX XXXX LOAN IF PLANET CONTINUES TO MISAPPLY AND TRY TO CONVINCE ME THAT THIS IS OK TO TELL IRS IN A 1099 THEY PAID TAXES WITHOUT GIVING ME THE REFUND I PAID OUT OF MY POCKET BEFORE XXXX  INTERFERED AND PLANET EVEN HAD THE LOAN. PLANET HID THE TAX REFUND OF {$300.00} BY TAX OFFICE APPLIED TOP PRINCIPLE CURTAILMENT TOOK ME A YEAR XXXX TO GET THAT REVERSED. 


THERE WAS NO TAX TO BE IMPONDED IN XXXX ALL A FRAUD XXXX CANT PAY MY TAXES AND PAY PLANET EXTRA {$500.00} A MONTH TO NEVER SHOW PROOF OF THE FAKE PAYMENTS SUPPOSEDLY PAID NY PLANET THE GAME IS THEY PAY IN XXXX WHEN DEADLINE IS XX/XX/XXXX THEY KNOW IT TAKES UP TO 90 DAYS TO SHOW IN SYSTEM THEY EVEN SAID IN LETTER THEY HAVE A HARD TIME GETTING INFO FROM TAX OFFICE THIS IS FRAUD

Company response to consumer: Closed with explanation