and proceed with my documentation submitted for the loan modification review. ( Again I was told the review had not been completed and this was just an offer based on my loan not being current and I did have the choice to continue my original application process and await the final decision based on the application information I submitted. At this point I am still calm and respectful and thanking her for her time and ask her to help make this right and ensure that its changed based on the fact she agreed and read aloud everything I am stating from the XXXX phone call. She stated that she had already deleted my loan modification since they would not review it anyways and I could go under the forebarence since we are affected by the coronavrus ( recorded convo- I stated numerous times i didnt want to go that route I wanted my loan process to be reviewed with my financial info and not reflect that I agreed to this flex mod which clearly stated I DID NOT! She said she already changed it and I could call back tomorrow to speak with someone and my underwriter would be there that who she spoke with was not mine! I said so Im under forebarence until XXXX and only because they will not review my application for the loan modification as previously planned only because of the corona and she stated no it was becuase it was documented I accepted the loan offer for flex mod! She said I could reapply in XXXX for one and that oh by the way I needed to apply for another forbearance now since she changed my file to me asking for one!!! I asked nicely for her to help fix this and she hung the phone up on me and that was it. I am completely heart broken

What the CFPB Record Shows About and proceed with my documentation submitted for the loan modification review. ( Again I was told the review had not been completed and this was just an offer based on my loan not being current and I did have the choice to continue my original application process and await the final decision based on the application information I submitted. At this point I am still calm and respectful and thanking her for her time and ask her to help make this right and ensure that its changed based on the fact she agreed and read aloud everything I am stating from the XXXX phone call. She stated that she had already deleted my loan modification since they would not review it anyways and I could go under the forebarence since we are affected by the coronavrus ( recorded convo- I stated numerous times i didnt want to go that route I wanted my loan process to be reviewed with my financial info and not reflect that I agreed to this flex mod which clearly stated I DID NOT! She said she already changed it and I could call back tomorrow to speak with someone and my underwriter would be there that who she spoke with was not mine! I said so Im under forebarence until XXXX and only because they will not review my application for the loan modification as previously planned only because of the corona and she stated no it was becuase it was documented I accepted the loan offer for flex mod! She said I could reapply in XXXX for one and that oh by the way I needed to apply for another forbearance now since she changed my file to me asking for one!!! I asked nicely for her to help fix this and she hung the phone up on me and that was it. I am completely heart broken

and proceed with my documentation submitted for the loan modification review. ( Again I was told the review had not been completed and this was just an offer based on my loan not being current and I did have the choice to continue my original application process and await the final decision based on the application information I submitted. At this point I am still calm and respectful and thanking her for her time and ask her to help make this right and ensure that its changed based on the fact she agreed and read aloud everything I am stating from the XXXX phone call. She stated that she had already deleted my loan modification since they would not review it anyways and I could go under the forebarence since we are affected by the coronavrus ( recorded convo- I stated numerous times i didnt want to go that route I wanted my loan process to be reviewed with my financial info and not reflect that I agreed to this flex mod which clearly stated I DID NOT! She said she already changed it and I could call back tomorrow to speak with someone and my underwriter would be there that who she spoke with was not mine! I said so Im under forebarence until XXXX and only because they will not review my application for the loan modification as previously planned only because of the corona and she stated no it was becuase it was documented I accepted the loan offer for flex mod! She said I could reapply in XXXX for one and that oh by the way I needed to apply for another forbearance now since she changed my file to me asking for one!!! I asked nicely for her to help fix this and she hung the phone up on me and that was it. I am completely heart broken has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to XXXX, and the most recent logged activity is XXXX XXXX , giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, and proceed with my documentation submitted for the loan modification review. ( Again I was told the review had not been completed and this was just an offer based on my loan not being current and I did have the choice to continue my original application process and await the final decision based on the application information I submitted. At this point I am still calm and respectful and thanking her for her time and ask her to help make this right and ensure that its changed based on the fact she agreed and read aloud everything I am stating from the XXXX phone call. She stated that she had already deleted my loan modification since they would not review it anyways and I could go under the forebarence since we are affected by the coronavrus ( recorded convo- I stated numerous times i didnt want to go that route I wanted my loan process to be reviewed with my financial info and not reflect that I agreed to this flex mod which clearly stated I DID NOT! She said she already changed it and I could call back tomorrow to speak with someone and my underwriter would be there that who she spoke with was not mine! I said so Im under forebarence until XXXX and only because they will not review my application for the loan modification as previously planned only because of the corona and she stated no it was becuase it was documented I accepted the loan offer for flex mod! She said I could reapply in XXXX for one and that oh by the way I needed to apply for another forbearance now since she changed my file to me asking for one!!! I asked nicely for her to help fix this and she hung the phone up on me and that was it. I am completely heart broken reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "she verified I was correct about declining the offer", and the single most common underlying issue is "and I did everything right and reached out to an underwriter to see why this decision was made. After speaking to the underwriter she informed me that no loan modifications are being reviewed".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating and proceed with my documentation submitted for the loan modification review. ( Again I was told the review had not been completed and this was just an offer based on my loan not being current and I did have the choice to continue my original application process and await the final decision based on the application information I submitted. At this point I am still calm and respectful and thanking her for her time and ask her to help make this right and ensure that its changed based on the fact she agreed and read aloud everything I am stating from the XXXX phone call. She stated that she had already deleted my loan modification since they would not review it anyways and I could go under the forebarence since we are affected by the coronavrus ( recorded convo- I stated numerous times i didnt want to go that route I wanted my loan process to be reviewed with my financial info and not reflect that I agreed to this flex mod which clearly stated I DID NOT! She said she already changed it and I could call back tomorrow to speak with someone and my underwriter would be there that who she spoke with was not mine! I said so Im under forebarence until XXXX and only because they will not review my application for the loan modification as previously planned only because of the corona and she stated no it was becuase it was documented I accepted the loan offer for flex mod! She said I could reapply in XXXX for one and that oh by the way I needed to apply for another forbearance now since she changed my file to me asking for one!!! I asked nicely for her to help fix this and she hung the phone up on me and that was it. I am completely heart broken: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.