Advanced Remodeling and Contracting

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear below The refunding of money was helpful The main issue of late payments showing in Stonegate's system is a lasting effect I attempted to refinance and was denied until September I was denied because Stonegate will not change their system in regards to my account even though I had followed their original advice and got sent into a downward spiral Until Stonegate corrects the late payments in their system, I will never be satisfied Regards, [redacted]

Stonegate has received previous credit disputes regarding the reporting of your January installment to TransUnion Below is an outline of the updates to your TransUnion credit reportThe January installment was received 30+ days late on February 3, In the subsequent January and February monthly credit reporting files submitted to the appropriate credit bureaus, the January was reported as paid 30+days past due In early March, a credit dispute was received from TransUnion regarding the credit reporting for the January installment This dispute was denied as the credit was reported accurately for the installment In late March, you spoke with a Customer Service Representative and requested an escalation to a manager After a review of your account, a Stonegate manager authorized a one-time courtesy deletion of the credit reporting for the January installment A credit correction was processed with TransUnion, deleting the credit reporting for the January installment However, the monthly credit reporting file was not updated accurately Due to this oversight, the subsequent March monthly credit reporting file reported the January installment as 30+ days late In late May, another credit dispute was received from TransUnion regarding the credit reporting for January A credit correction was processed again with TransUnion deleting the credit reporting for the January installment At this time, the monthly credit reporting file was updated accurately to ensure accurate reporting going forward The subsequent May monthly credit reporting file shows appropriate reporting for the January installment Regarding the outstanding flood insurance disbursement issued to the incorrect address, funds have been received and reimbursed to your escrow account At Stonegate, our customer relationships are important to us As such, let me assure you we will work diligently to ensure we address such problems so they do not reoccur We apologize for the inconvenience this may have caused you

This letter is in response to the complaint you submitted to the Revdex.com (“Revdex.com”), dated November 17, [redacted] Corporation (“Home Point”) takes all customer complaints and claims of poor service seriously and we have researched the issues raised in your complaint This letter is intended to respond to and address the concerns related to tax escrow disbursement After performing a review of your loan, our records indicate your city taxes were disbursed in the amount of $2,719.23; however, the check was stopped because we were advised your city taxes were already paidUpon further review your county taxes were paid in the amount of $2,and your city taxes are still due for November As a result, we manually disbursed escrow funds to City of [redacted] , in the amount of $230.00, on 11/21/The city tax amount with 30% discount for $was disbursed from your escrow account The additional $represents the Face Value, which was paid by [redacted] Your county tax installment is scheduled to disburse in November We have enclosed a copy of your loan history to confirm the adjustments that were made to your account Tax Amount (30% Discount) if paid by 11/01/2017: $Face Value Amount if paid by 12/31/2017: $ At Home Point, our customer relationships are important to us and we appreciate the opportunity to address your concerns Your business is important to us and we value your feedback If you have any further questions concerning this response, please contact David K***, Corporate Counsel, at (317) 663-

Per our phone conversation on Tuesday, February 14, 2017, we discussed the reasons why the pastseveral payments were rejected and returned to you As stated in the certified breach letter, mailed to youon December 17, 2016, the funds must be made in full and via certified funds due to the default status Ihave documented your account and notified our cash processing department that you sent in a certifiedcheck, in the amount of $13, This amount would bring the account to a current status applying tothe November 2016-February payments Please note that once this payment posts, I will have yourcredit corrected for the January payment based on your efforts to reinstate the account through thebank-to-bank transfer on January 31,

Per the conversation with our Loss Mitigation department today, please consider this response as confirmation of the modification offer that has been presented to you Once the agreement is signed and returned, the trial plan will execute

To make up the difference for what you were quoted and what youpaid, you will be credited back $to cover the loan funds that were short toclose On top of that we’ll be creditingyou an additional $At Stonegate,our customer relationships are important to usAs such, let me assure you we will work diligently to ensure we addresssuch problems so they do not reoccur

Our records reflect your last payment in the amount of $1,posted to your account on August 18, As of the date of this letter you are due for the September 1, payment in the amount of $1, Enclosed is a copy of your payment history for further reviewPursuant to the terms of your mortgage note, payments are due on the first day of the month and must equal the total amount due in order to complete a monthly installmentIf you submit a partial payment, we may hold the amount in an unapplied funds account until you pay remaining balance or we can post it to the principal balance or any outstanding fees depending on the status of the account In order to research missing payments we need proof a payment was received by Stonegate and not applied to your account, such as a copy of the front and back of a processed check Please send a check copies to us via email at [email protected] or via fax to Please note if we determine a payment was misapplied we will also correct late fees and credit reporting accordingly.Our records reflect you have been in communication with Erin [redacted] who attempted to reach you at phone number [redacted] Erin left voice mails on November 3, and November 4, with no response from youYou can contact Erin directly at email erin[redacted] @stonegatemtg.com or phone 419-[redacted] with the information needed to research missing payments Please be aware your loan is currently in default as the payment due September 1, has not been received To cure the default you must pay the past due amount of $2,and the late fee balance of $for a total amount due of $2, This payment must be submitted by cashier’s check, certified check, or money order on or before November 18, Enclosed is a copy of the breach letter which was mailed to you on October 19, with additional information.If you are unable to submit the past due payment in full we may have other options available to you such as a repayment plan To see what options you might qualify for please contact us by phone at Please also be advised that Stonegate is not authorized to transfer the ownership of your loan from its current owner to an investor of your choosing

At Stonegate, our customer relationships are important to usAs such, let me assure you we willwork diligently to ensure we address such problems so they do not reoccurAs informed byJeffrey A***, SVP of Stonegate Servicing Default Management, we have notified [redacted] , yournew Servicer, of the escalated case in which we have requested a disbursement to be made to [redacted] to renew your policyI have confirmed $1,was disbursed on September 8, 2016from [redacted] This disbursement covers the cost of the annual renewal, therefore, Iencourage you to reach out to your insurance agent directly to inquire about any out-of-pocket payments that you may have made directly to [redacted] and the status of the refundI apologizefor any inconvenience this may have caused you

Our records indicate that a disbursement, in the amount of $999.30, was sent to the Catoosa County Tax Commissioner on February 26, We acknowledge the taxes were delinquent and as a result, Stonegate Mortgage has paid the late fee in the amount of $This did not impact your credit reporting history nor was the fee assessed or charged to you in anywayWe apologize for the inconveniencePlease use this response as confirmation of payment

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear below The representatives at Stonegate that I talked to never informed me about filling out the workout packetIf they would have informed me about the workout packet after sending the accepted purchase offer on the house I would done thatI firmly believe Stonegate Mortgage should make their employees inform you with that information first thingSince Stonegate mortgage did not inform me to fill out the workout package after the accepted purchase offerI would like Stonegate Mortgage to reimburse me $1,for not originally informing me about the workout package and if not I will escalate the issue and will consider filing a lawsuit against Stonegate Mortgage for attorney fees and damages for making a foreclosure show up on my credit report when I already sent Stonegate an accepted purchase offer on the house Regards, [redacted]

Please note that our Insurance Department has received all the proof of coverage necessary in order to eliminate the lapse in coverage as initially discussed. As a result, we have submitted a credit correction to all four credit bureaus for the February 2016, March 2016, and April 2016... reporting months. Please note that it may take up to 45 days for the credit bureaus to update their records. I have also enclosed a confirmation letter for your records.

Per the terms of your deed of trust you are required to maintain flood insurance coverage on your accountIf you do not supply proof of coverage the Servicer of your loan (Stonegate) may take a policy on your behalf to ensure the collateral of [redacted] is protected from loss Stonegate did not receive sufficient proof of flood insurance coverage for the period of March 26, through May 19, As a result Stonegate purchased flood insurance for this period on your behalf in the amount of $1,If you can provide us with proof of flood insurance coverage for this period we will gladly issue a refund for the lender placed policy and run an updated escrow analysisIt is important to note Stonegate sent you two written notifications regarding the flood insurance deficiencies in before we charged the lender placed insurance policy to your loan.Your upcoming Allstate Flood insurance bill is due on July 19, for the coverage period of May 19, through May 19, and will be paid from your escrow account once your updated declaration page is received from AllstateBased upon your request, we completed a new escrow analysis on your account with your updated Allstate Flood Insurance Policy effective for the May 1, payment Your May 1, installment has been updated to $ The new escrow analysis resulted in a total escrow shortage in the amount of $which has been spread over period of months to help reduce the impact of the payment increaseAs of the date of this letter your account is still due for May 1, installment, please remit funds as soon as possible in the amount of $to avoid negative credit reportingWe will be happy to delete your May credit reporting due to the issues you have been facing with your Flood Insurance Additionally we have waived the outstanding late fee balance of $on your account.Again if you can provide us with proof of flood insurance coverage for the period of period of March 26, through May 19, 2015, we will gladly issue a refund for the lender placed policy charged to your account and run an updated escrow analysis

We received proof of insurance coverage on February 2, Subsequently the lender placed policy was cancelled and the refund posted to your account on March 2, As a result we removed the forced placed escrow account from your loanAdditionally, we re-posted all payments affected by the forced placed escrow accountAll late fees have been waived and your credit has been updated to reflect all payments were received on time

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted]

Our records reflect a payment in the amount of $2,posted to your account on June 1, 2015. Of this amount $1,was applied as the July 1, payment and $was applied as a principal only payment. The payment was then corrected on the same day and applied in full to the
principal balance

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID***, and find that this resolution would be satisfactory to me.
Regards,
*** ** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me.
Stonegate sent an updated HUD correcting the escrow mistake so that my insurance is included in my monthly payment For my trouble, they also applied a credit of $toward the settlement charges This negated the $I had been short to close, and left me with a $credit, for which they overnighted me a check The funds were received in time to payoff the loan in August, so there are no lingering issues from this incident
Regards,
*** ***

I have enclosed a letter confirming the termination of the mortgage insurance on your account. The effective date was June 21, 2015. I apologize this was not communicated to you at the time of termination. Per your transaction history, I confirmed that the last disbursement for
PMI was on July 6, 2015, however, a refund was returned to you in the amount of $on August 24, 2015. Additionally, a new escrow analysis ran in February that resulted in a surplus in your escrow account as a result of the PMI termination and that surplus check, in the amount of $491.70, was disbursed on March 1, In regards to the recent request for PMI removal, including a check for $450.00, I can confirm that it has not been received as of today’s date. Once it is received, the check will be returned to you as there is no need at this time for an appraisal to be completed since the PMI has been terminated from the account. If you have any questions or concerns related to that process, please feel free to reach out to me directly at 972-598-***

At Stonegate, our customer relationships are important to usAs such, let me assure you we willwork diligently to ensure we address such problems so they do not reoccur.I have confirmed with our Insurance Department that the necessary documentation has beenreceived to clear any lapse in coverage regarding the force-placed hazard insurance policyAn expedited refund in the amount of $will be mailed overnight to your mailing address onfile