Consumer complaint received 2022-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Thursday, XX/XX/2022 Dear Sirs : Upon the receipt of Planet Home Lending, LLCs response to my Consumer Financial Protection Bureau complaint # XXXX I am forced to make an immediate response. 

My opening line of my complaint states, Due to the lack of urgency, Planet Home Lending , LLC has failed the HOEPA law for home owners fees and late payment reporting. In this respect Planet Home Lending , LLC has broken the law ; in addition, Planet Home Lending , LLC did NOT address this grievance in my complaint. Furthermore, the Consumer Financial Protection Bureau did not address this matter with Planet Home Lending , LLC. I insist this unlawfulness be addressed and prosecuted. 

Planet Home Lending, LLCs apology is not sufficient in regards to the damages ensued by the aggrieved parties in this complaint. An apology does not affirm that Planet Home Lending , LLC will not continue to falsely report to credit bureaus ; nor misappropriation of funds and then continue to place the burden of proof on we the aggrieved party. Damages have occurred as a result of Planet Home Lending, LLCs credit reporting. As stated in our original complaint, To reiterate, we were in the process of securing a refinance of our Planet Home Lending , LLC mortgage when AGAIN Planet Home Lending , LLC negatively reported to the credit agencies! These actions have forced us to continue to have to respond to Planet Home Lending, LLCs ineptness. One must spend a minimum of forty ( 40 ) minutes and more waiting to speak to a mitigation representative, hoping you will not be transferred or put on hold once more. All these calls are documented in notes with dates, times and all the Planet Home Lending , LLC personnels names. I will provide copies of numerous emails, phone calls to I. Best with zero responses. If I. Best did forward my correspondence, I have no way of discerning that fact! Again, our requests were unanswered, ignored and there was no urgency to our requests! 

A repetition of part of the original complaint, We have volumes of emails, notes and proofs of payments with Planet Home Lending , LLC. Why cant a mortgage company keep track of loan payments, escrow payments and supporting documentation? Again, laws and regulations so state it is Planet Home Lending, LLCs responsibility to maintain proper documentation. There is no certainty that Planet Home Lending , LLC can properly decipher our documentation of loan payments, escrow payments and late tax payments. Apologies do not provide confidence in Planet Home Lending, LLCs performance. The fact that Planet Home Lending , LLC has : No proof of three loan payments Has not paid taxes in two differing years Has called us and requested an additional escrow payment while in forbearance ; payment was made but no evidence of credit to our escrow account Has reported to credit reporting agencies several times annually In their response Planet Home Lending , LLC states that OUR loan was approved for an FHA Partial Claim, a loan modification, a new monthly mortgage, all due XX/XX/2022. Do not we, the borrowers, have to agree to said loan modifications? Do we, the borrowers, have no rights or decisions in regards to our loan? To repeat, federal law states, an FHA mortgage holder possesses extra protection from your predatory actions ; we have more options for coming out of a forbearance than a standard mortgage holder. 

To summarize : 1. Planet Home Lending , LLC has not been punished for the damages we have suffered as a result of their lack of urgency. 
2. Planet Home Lending , LLC has not been punished for the damages we have suffered as a result of their continual falsely reporting to the credit reporting agencies.

3. There is no confidence in Planet Home Lending, LLCs ability to properly process additional documentation we provide to prove loan payments and escrow payments.

4. There is no confidence that Planet Home Lending , LLC will cease to falsely report to credit reporting agencies.

5. There is no confidence that Planet Home Lending , LLC can properly disburse payments and credit our escrow account.

6. Currently, Planet Home Lending , LLC has made decisions for us regarding our loan and modifications thereof without our approval! This is against the law!

We expect Planet Home Lending , LLC to follow the mandates of every aspect of the law. We expect the regulatory branch, Consumer Financial Protection Bureau, to enforce those laws and punish Planet Home Lending , LLC. Apologies are not sufficient nor do they safe-guard we the aggrieved party. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation