Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX VIA E-mail/Electronic Transmission Office of the Attorney General XXXX XXXX XXXX, Attorney General XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ref : Unlawful shark lending practice/Abusive Lending Practice and Breach of Fair credit act by Planet Home Lending LLC-Loan # XXXX Dear XXXX Attorney General XXXX XXXX XXXX XXXX : My name is XXXX XXXX XXXX a proud Californian since 1XXXX.I am an expatriate and a proud father of XXXX kids who attended in XXXX XXXX . I own a home in beautiful XXXX XXXX of California since XXXX of XXXX. Recently I have gone through a terrible malpractice of mortgage lenders collection procedure and almost lost my home. I am spent a lot of money in legal fees and none of them were able to help me, now as a California resident I am seeking your assistance on the below matter in details : On XX/XX/XXXX I took cash out loan of {$97000.00} to do some modification in my house from XXXX XXXX and then in a short period of time in XXXX recession times I could not make the payments as my income significantly reduced and became delinquent. In XXXX XXXX XXXX wrote off my debts of {$97000.00} and possibly sold the debt to some debt collectors ( XXXX XXXX XXXX XXXX and then Planet Home lending LLC in XXXX of XXXX ). In the midst of Novel Corona Virus Pandemic Planet Home Lending LLC filed for Notice of Default on XX/XX/XXXX to foreclose my home and the sale date was set for XX/XX/XXXX without proper prior notices or even sending the past dues notifications since my delinquency in XXXX, I find this is very illegitimate. In addition, throughout the foreclosure process Planet Home lending LLC did not offer any loan modification to save my home which is serious offense under various real state laws. At this point I cant bear anymore legal fees. 

Honorable Mr. Attorney General I had to pay {$240000.00} from an urgent loan ( the final amount I had to owe to pay this debt off is {$270000.00} with all related fees ) to stay in my home with my XXXX years father, XXXX years old mother, my wife and XXXX children. I have had multiple attorneys to assist with me whom were no help at all as this debt collector would not assist. In addition, this lender has reported to XXXX that I was late 120 days as of XX/XX/XXXX which they have never reported before or sent me in writing or sent me any mail as such, it made my refinance options more difficult. I will attach the related documents about the payoff. I will also enclose the email materials to Depart of Real Estate, Fair Housing Authority and California trade commissioner for the horrendous debt collector. To own a home is an American Dream, please help us to keep up our dream. 

I would fervently request a thorough investigation on this matter from all the entities that can expose the illegal activities of the foresaid matter. I am thankful to you for taking your time to read this letter. I am firm believer that your kind attention will discover the anomaly of the particular matter and Planet Home Lending LLCs malpractice throughout the state of California. 

If you have any disquiet in the matter please feel free to contact me directly at XXXX XXXX XXXX or write to XXXX, thank you in advance. 




Sincerely Yours, XXXX XXXX XXXX Address of Debt Collector : Planet Home Lending , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, CT XXXX Cc : Federal Trade Commissioner ; Fair Housing Authority, Los Angeles Development Authority ; Real Estate Commissioner ; Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation