J.GWentworth Home Lending

I am in receipt of this complaintI personally will investigate and mitigateOscar A [redacted] Date: Thu, Aug 25, at 4:PMSubject: Mr [redacted] .To: [redacted] < [redacted] > Mr [redacted] , My apologiesWe researched the issues with Mr [redacted] We prepared a letter to send to him, only to disclover he paid off his loanWe fully intended to ensure that his payment was correctedThank YouOscar A

Mr [redacted] , My apologies for not the delay in updating the status of this complaint on the web siteWe have spoken to the borrower and explained the rationale for the declinationThe appraisal came in lower than expecte3d, Mr [redacted] increased the balance on his subordinate financingThis required that the borrower bring monies to closing to curtail the second trust balanceWe have refunded the borrowers appraisal costThe borrower is satisfied with our explanation and refund of monies spentThank youBest, Oscar FA [redacted] Chief Compliance OfficerWestStar Mortgage Inc(NMLS ***) [redacted] ***Woodbridge Va

March 13, Revdex.com Complaint [redacted] Watertown CT class="MsoNoSpacing"> This matter has been duly investigated at the Loan Officer, and Branch Manager level by the Chief Compliance Officer of WestStar Mortgage Inc This transaction was initiated a cash out refinance, paying off a first trust and two other liensThe appraisal showed a value less than anticipatedThe consumer noted that the two other liens were secured by the propertyOperating under this information subordination requests were made to one of the lienholdersDuring this period never once did the processor, loan officer or the branch manager instruct Mr [redacted] to not make his mortgage payments, nor his other two loan paymentsIt is never the Loan Officers election to counsel a borrower to not make a payment Upon discovery of the late mortgage payments, WestStar was unable to proceed with the transaction

May 6, [redacted] * [redacted] DrWaterford, Ml 48329Re: Loan Number [redacted] Case number: [redacted] Dear Ms***:This letter is in response to your April 11, correspondence to the Revdex.com regarding payments which were submitted for the April installment and the level of service you received.Your loan transferred from our corporate office to our servicing center in Ewing, New Jersey effective September 18, While we acknowledge when your loan closed an escrow account was established for the purposes of disbursing funds for homeowner's insurance premiums and real estate property taxes, the information provided to our servicing center indicated your payment was as follows:Principal and interest: $1,Hazard insurance: $54,Total $1,289.08As a result, your monthly payment amount did not include the collection of property taxes and your monthly installment decreased from $1,to $1,Additionally, the mortgage statement dated September 22, 2015, which was mailed to your address of record advised that you please review your bill for accuracySince we were not informed of the discrepancy, we continued to bill you for the amount of $1,289.08.Our records indicate on March 28, 2016, you initiated a payment in the amount of $1,utilizing our mobile website application to satisfy the April installmentThe electronic presentment was returned on April 1, 2016, as your bank identified that the bank account number was invalidA letter dated the same day (copy of the text is enclosed) was sent to her mailing address of record informing her that bank had not honored the payment.The transaction is not complete until the funds are received and applied to the loanIf incorrect data is entered, or funds are not available, the transaction is voidedPlease note: the mobile payment feature does not automatically populate any fields; the data in all fields must be manually entered by the userWe have enclosed evidence of the transmittals to the Federal Reserve initiated on March 28, 2016; take note of the bank account number associated with the transaction as it appears your loan number was entered in place of your bank account number.On April 9, 2016, you initiated a payment in the amount of $1,utilizing our mobile website application to satisfy the April installmentOur online system informs borrower's thatpayments submitted on the weekend will be processed on the next business dayAs a result, your payment posted to your account on April 11, 2016.Our records indicate you initiated three additional payments of $1,on April 11, Consequently, we are unable to draft a multiple payments on the same dayThe following is a breakdown of the payments which were made for the April monthly installment.Date Initiated Date Posted Amount Application March 28, || March 28, || $1,|| Returned April 1, 2016April 9, April 11, || $1,|| April Installment w/ additional principal April 11, April 11, || $1,|| May Installment w/ additional principal April 11, April 12, || $1,|| June Installment w/ additional principal April 11, April 13, || $1,|| July Installment w/ additional principalOn April 14, 2016, we received a request to have $3,returned to your bank accountThe process to return the funds was initiated on May 3, Please allow to business days for the funds to be returned to the checking account which was drafted.We note that you attempted to resolve your concerns several times with representatives in our Customer Service DepartmentWe would like to offer our apology if any of our representatives made you feel like you are not a valued customer of oursWe take customer service seriously and expect our employees to address customers professionally and courteouslyWe appreciate your feedback regarding the assistance you received on the telephone and regret any difficulty you experienced as this is not the level of service we strive to provide.Enclosed are copies of all aforementioned documentsShould you have any questions regarding this matter, please contact me at ###-###-####.???Sincerely,

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:I'm happy to share these emails with the Revdex.com as well Regards, [redacted] ***