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Idaho Housing And Finance Association

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Idaho Housing And Finance Association Reviews (3)

August 3, 2017RE:  Complaint ID# [redacted]To Whom It May Concern:Our policy has been to only issue refund checks to the name(s) on the loan documents.It has been our past experience that banks WILL accept a deposit of our check into the estates account.    The financial...

institution may not be able to 'cash' the check but will usually credit the account with the deposit.   After funds have cleared.  the funds would then become available to the estate. I
don’t know why that did not work in this case.   However, I   have received approval from upper management to go ahead slop pay on the prior check and reissue it payable to 'Estate of [redacted]’
c/o [redacted].The reissued check will be mailed to Ms. [redacted]'s address within a week. If additional information is needed, please contact me at 208-331-4757. Sincerely, Jennifer H[redacted]Loan Servicing Manager

To Whom it May Concern:Per our records, IHF A has replied to emails from the borrower and has supplied her withtwo payoff quotes this month. One was prior to her making the June 2016 payment, onewas after she made the June 2016 payment.Our phones have been extremely busy and we are getting to...

messages as quickly as wecan. Since payoff quotes have been ordered for the customer, any messages she mayhave left asking for a payoff would likely have been deemed old and not returned sincethe information she needed had already been supplied.As for the comment on IHF A's lack of feedback since 1999, I don't know how torespond. 1 see many notes documenting calls to and from the borrower over the yearsfrom 1999 to 2011 when she filed a Chapter 13 Bankruptcy.Bankruptcy law prohibits our initiating contact with her with regards to payments. Thebankruptcy was just completed at the end of March 2016 and IHFA was notified of thedischarge in mid-April.If additional information is needed, please contact me at 208-331-4757
Sincerely,
Jennifer H[redacted]
Loan Service Manager

I have researched the issue and our logs indicate that she went on-line and made her October payment at 6:45pm on October 30, 2015.  The October payment was due on October 1, 2015.  [redacted] mentions our ‘un-written policy’ which is simply not true.  It is very clearly...

stated on both the sign-in screen and the internal screen of our payment website that the cutoff for payments is 6pm on the last business day of the month.   Every month I update this bulletin with the exact date and time by which the payment must be received in order to avoid a delinquency being reported to the credit bureaus. The cutoff time is ALWAYS 6pm on the last BUSINESS day of the month.  Since [redacted] only missed the time by 45 minutes and has never before had a 30 day delinquency, I will go ahead and have the delinquency removed from her credit.  This is a one-time courtesy as she is now well aware of the policy.  Our offices close at 5pm each day which is where I believe the confusion on the cutoff time arose.  Two people have an altered shift on the last business day of the month to accommodate the 6pm cutoff for web-site and drop off payments.     Shortly after 6pm the web-site payments are downloaded and posted and the items in the drop box are posted prior to our closing the books on the month. Thank you. [redacted] [redacted] 
[redacted]

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Address: 565 W Myrtle St, Boise, Idaho, United States, 83702-7675

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