Norcom Mortgage & Insurance

Complaint: I am rejecting this response because: There has been no explanation for how this happened in the first placeNorcom, our original lender is responsible for transitioning loans appropriately however this was not done in our caseAlthough our current lender is [redacted] , Norcom is responsible for the original mistake as they did not pay the mortgage or inform [redacted] that the first three months of mortgage were financedMeanwhile my husband and I have experience substantial hardship and setbacks for the last weeks due to this errorNorcom needs to take responsibility for the gravity of the outcome of their mistake which they have yet to do Sincerely, [redacted]

Good Morning,In addition to the Revdex.com complaint, Ms [redacted] contacted Norcom Mortgage directly on September 16th, and the parties have exchanged several emails since then Norcom Mortgage most recently wrote to Ms [redacted] on September 23rd with further details on this matter and requesting that she forward documentation detailing any financial harm that may have been suffered in connection with the situation Ms [redacted] responded on September 25th that she was gathering the information and would forward it once it was obtained In light of the circumstances, Norcom requests additional time to respond to this rejection Please let me know whether this is a possibility.Thank you!

Complaint: [redacted] I am rejecting this response because:My initial schedule to relocate during the summer/end of year has not changedTherefore I do not, and would not have a legitimate mortgage approval letter to move forward with a home purchase rendering myself unable to take advantage of the refund offered by the companyIt was discussed thoroughly during our phone calls all of the viable options to close and I do not qualify for the other options, nor did I qualify for the one that was written for meI am asking for compensation without having to close because that is not an option that we can move forward withI am also asking for $1,instead of the $1,offered because that more accurately depicts the travel costs Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because:Once again the statement what they provided is only from June of to December of Norcom was the provider of my loan for the entire year, They are telling me that they used a company called My Loan Care to service my loan from January to June My Loan Care has no record of me or this loan which was through Norcom If Norcom used someone else to service my loan than it is their responsibility to provide me with the correct information and my entire year of statements I'm not sure how a company can misplace my financials This is unacceptable Once again it would be nice if they just picked up the phone and called me to resolve this issue It seems that this is the only way I can get a response Sincerely, [redacted]

After further review of [redacted] ***'s loan file and complaint to the Revdex.com, the Company stands by its original offer The Company would encourage [redacted] to contact his loan officer and/or loan officer's manager to discuss the terms of the offer further and what might be able to be provided to assist [redacted] in the pursuit of the future purchase of a home in [redacted] The Company looks forward to continuing this discussion with [redacted] *** Thank you

The Revdex.com
Berlin Road
Cromwell, CT
Dear Ms***
Norcom Mortgage has provided the records per the
consumer’s requestI believe it is important to know that we have no record of
calls, inquiries or e-mails from this consumer.
We believe it is possible he was contacting the loan servicing company
directly. Either way, the
documentation mentioned in the inquiry has been attachedOur Servicing
Manager, Melissa ***, is available at ***
or ###-###-#### if there are any additional questions about the documentation
Thank you,
*** ***
General Counsel and
Chief Compliance Officer
Norcom Mortgage

Complaint: ***
I am rejecting this response because:
First, I do not see an attachment to this email 2nd, I have spoken to Notcom over a dozen times and if they are showing no records of my calls then there are more issues going on with their company than just this I have left multiple messages for Melissa and have yet to get a call back I have emails with them as well I would appreciate a call from a manager to get this resolved once and for all
Sincerely,
*** ***

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

Good afternoonNorcom Mortgage is in receipt of customer, *** ***'s, complaintAs Norcom is not the servicer on this loan, we have reached out to *** to resolve her erroneous credit reportingI have received confirmation from *** that the correction has been submitted to all of the
credit bureausA letter indicating all payments have been made as agreed has been sent out to the customerI am also sending a copy of the letter provided to me along with the steps we took to resolve this to the customer's mailing addressPlease advise if anything else is needed to resolve this matterThank you
Melissa R***Servicing ManagerNorcom Mortgage###-###-####melissa.r***@norcom-usa.com

[redacted]
I am rejecting this response because: I would like to have documentation of all of my escrow transactions since the loan was originated. What was paid when, by who, at what time, etc. I also noticed that I paid the $126 increase last year in my homeowners insurance yet the history of my escrow shows a disbursement of the full $893. At this point I just don't trust the math that was done and would like all documentation.
Sincerely,
[redacted]

Good Morning,In addition to the Revdex.com complaint, Ms. [redacted] contacted Norcom Mortgage directly on September 16th, and the parties have exchanged several emails since then.   Norcom Mortgage most recently wrote to Ms. [redacted] on September 23rd  with further details on this matter and requesting that she forward documentation detailing any financial harm that may have been suffered in connection with the situation.  Ms. [redacted] responded on September 25th that she was gathering the information and would forward it once it was obtained.  In light of the circumstances, Norcom requests additional time to respond to this rejection.  Please let me know whether this is a possibility.Thank you!

Complaint: [redacted]
I am rejecting this response because:Once again the statement what they provided is only from June of 2014 to December of 2014.  Norcom was the provider of my loan for the entire year, 2014.  They are telling me that they used a company called My Loan Care to service my loan from January 2014 to June 2014.  My Loan Care has no record of me or this loan which was through Norcom.  If Norcom used someone else to service my loan than it is their responsibility to provide me with the correct information and my entire year of statements.  I'm not sure how a company can misplace my financials.  This is unacceptable.  Once again it would be nice if they just picked up the phone and called me to resolve this issue.  It seems that this is the only way I can get a response.
Sincerely,
[redacted]

On February 14, 2017, the Company extended an offer to compensate [redacted] and to continue to pursue a loan for the purchase of a home in [redacted].  The Company would encourage [redacted] to contact his loan officer and/or his manager to discuss the terms of the offer and moving forward with...

the loan process.

Complaint: 10810175
I am rejecting this response because: There has been no explanation for how this happened in the first place. Norcom, our original lender is responsible for transitioning loans appropriately however this was not done in our case. Although our current lender is [redacted], Norcom is responsible for the original mistake as they did not pay the mortgage or inform [redacted] that the first three months of mortgage were financed. Meanwhile my husband and I have experience substantial hardship and setbacks for the last 6 weeks due to this error. Norcom needs to take responsibility for the gravity of the outcome of their mistake which they have yet to do.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:My initial schedule to relocate during the summer/end of year has not changed. Therefore I do not, and would not have a legitimate mortgage approval letter to move forward with a home purchase rendering myself unable to take advantage of the refund offered by the company. It was discussed thoroughly during our phone calls all of the viable options to close and I do not qualify for the other options, nor did I qualify for the one that was written for me. I am asking for compensation without having to close because that is not an option that we can move forward with. I am also asking for $1,500 instead of the $1,000 offered because that more accurately depicts the travel costs.
Sincerely,
[redacted]

The Revdex.com 29 Berlin Road Cromwell, CT 06416 Dear Ms. [redacted], Norcom Mortgage has reached out and corresponded with [redacted].  Our Loan Servicing Manager has confirmed that we resolved all Mr. [redacted]’s concerns.  Mr. [redacted] has had all loan payments applied to his...

account.  No late charges, late reporting or fees have been reported or assessed.  Mr. [redacted]’s account is current and up-to-date.  Mr. [redacted] established an autopay feature which will go into effect for his next payment and we will continue to work with him should any additional questions arise. Thank you, Jeremy [redacted] General Counsel and Chief Compliance Officer Norcom Mortgage

After further review of [redacted]'s loan file and complaint to the Revdex.com, the Company stands by its original offer.  The Company would encourage [redacted] to contact his loan officer and/or loan officer's manager to discuss the terms of the offer further and what might be able to be provided to assist [redacted] in the pursuit of the future purchase of a home in [redacted].  The Company looks forward to continuing this discussion with [redacted].  Thank you.

Review: I have been a client through Norcom Mortgage since April 2014. Since that time I have had multiple problems with their service. My town taxes are through escrow in which both times July 2014 and Jan. 2015 when the taxes were due I received letters from the [redacted] my payments were not set up as being paid through escrow. This was originally brought to the attention of Norcom in July 2014 in which they claimed to rectify the situation. I again went through the same ordeal in January 2015. My homeowners insurance was due April 1, 2015 again through my mortgage agreement insurance is paid through escrow. This was also not set up to be paid out of escrow and I received letters from my insurance company for payment and late payment. I paid my May 2015 mortgage payment and it has not been cashed to date. I called to be sure that it was received in which I was told Norcom switched my bank and my loan will be handled through another agency. I never received notification of the transfer. I inquired as to if my check was received to Norcom and was told it was sitting on a desk. Now it being May 18, it is still not cashed, the secretary said she would send an email May 15 that I will not be charged a penalty due to transfer- I never received an email. When checking my credit score I saw a late payment for May 2014- having bought the house in April 2014 my 1st mortgage payment was due June 2014. The Secretary again said she handles sending revisions to the credit bureau and I would receive notice of the revision May 15 by email- no email was received. I have had multiple conversations over the past year with Norcom and continue to have issues with their service and response.Desired Settlement: As it sounds like my mortgage is transfered to another bank, I'd like to have confirmed my check sent to Norcom for May 2015 will go to the new bank without late penalty. I'd also like for Norcom to submit a statement to the credit bureau for May 2014 that any and all monies due were paid at closing April 4, 2014 and the first mortgage payment I was responsible to send was June 1, 2014. This has negatively affected my credit.

Review: I will begin with my interaction with NORCOM on November 6th 2013 when my husband and I(both Military) decided to sell our home in California and move to Connecticut. We spoke with [redacted] who took all our information(income, pay records, etc) and pre approved us for 290,000 on a home.(I have the pre-approval letter). With this information I booked a ticket to CT. to pick out a home before we travel across country.(with our four children, 3 dogs, and bunny) I found a home for 269,000 and we started the paperwork with [redacted] saying that closing in 30 days would not be a problem.(DEC 16 2012/loan commitment on 6 Dec 2012) Well we were very happy, I flew back and we began the cross country journey. We scheduled all inspections and paid for them upfront along with [redacted] scheduling the appraisal.(sewer inspection 375, appraisal 375, home inspection including termite and radon 450.) We are never supposed to even pay for termite at all being a VA buyer. Well the day came when we needed mortgage commitment and [redacted] did not have an answer. I did not think anything was a problem due to [redacted]s constant emails of how great our file was.(again he is the branch manager of Newtown office) Another week went by with constant needed documentation that my husband and I spent numerous hours researching and retrieving. Everyday was a new nightmare with promises that tomorrow was the day. It was now close to Christmas and my family had no home and I was feeling so discriminated against for whatever reason. I think because we are Veterans. We then wrote the VP of the company who said he was working on the file. Nothing again. We ended up getting a call from [redacted] the day before Christmas saying we were disapproved 18 days after we were suppose to get mortgage commitment. Of course blame was put on the underwriters. I want and expect all our money spent on all inspections during this horrific process and will be pursuing this fully. This company and Branch Manager should not be in business anymore.Desired Settlement: I request all monetary expenses that were spent by my family in this matter. I would also like a full investigation in this company of how they practice. I feel that in this matter my family and I were discriminated against and treated very poorly. This business should not be practicing in this manner.

Review: My husband and I mortaged our new home through a Norcom local office in [redacted]. The loan financed the first three months of our mortgage while our house was being renovated. Norcom sold the loan to [redacted]. We were not notified of this change as Norcom claims they sent a letter to the new home address which is uninhabited and boarded up until the renovations are complete. [redacted] will not deliver mail to homes that appear uninhabited. We were in contact with Norcom after the closing date as we started the construction phase after closing. They have emails and current mailing addresses for both me and my husband. Norcom was supposed to pay the first three months of mortgage from the loan however they neglected to do so and also neglected to notify the new mortgage company about this. We found out when we inquired about our first payment due in August. We were then told the loan had been sold. The new company told us that the account was 90 days past due and had accumulated late fees. They contacted Norcom who eventually made the payments and the late fees were credited. however this information was reported to both me and husband's credit report that has causes a whopping 90-160 point drop in our scores. To this date nothing has been sent to the credit reporting agencies which is adversely affecting our ability to acquire the credit necessary to complete our new home.Desired Settlement: Removal of all derogatory remarks from our credit report and compensation for any financial hardship this may cause our family.

Business

Response:

Good afternoonNorcom Mortgage is in receipt of customer, [redacted]'s, complaint. As Norcom is not the servicer on this loan, we have reached out to [redacted] to resolve her erroneous credit reporting. I have received confirmation from [redacted] that the correction has been submitted to all of the credit bureaus. A letter indicating all payments have been made as agreed has been sent out to the customer. I am also sending a copy of the letter provided to me along with the steps we took to resolve this to the customer's mailing address. Please advise if anything else is needed to resolve this matter. Thank you.

Melissa R[redacted]Servicing ManagerNorcom Mortgage###-###-####melissa.r[redacted]@norcom-usa.com

Consumer

Response:

Review: 10810175

I am rejecting this response because: There has been no explanation for how this happened in the first place. Norcom, our original lender is responsible for transitioning loans appropriately however this was not done in our case. Although our current lender is [redacted], Norcom is responsible for the original mistake as they did not pay the mortgage or inform [redacted] that the first three months of mortgage were financed. Meanwhile my husband and I have experience substantial hardship and setbacks for the last 6 weeks due to this error. Norcom needs to take responsibility for the gravity of the outcome of their mistake which they have yet to do.

Sincerely,

Business

Response:

Good Morning,