Oceanside Mortgage Company

Paid 85 % off my loan,, got run around to take off PMI?Switch my loan to another Added on twice what I Owed on Credit Report Not Happy with Both Things. Not taking care of customer not Happy..

I loved working with Oceanside Mortgage Company. It was the easiest refinance I have ever done. It only took 3 weeks. Everything went smoothly. Andrew Oliva, was great to work with. I highly recommend Oceanside Mortgage Company. Sharon Boyett

Complaint: [redacted] I am rejecting this response because: How dare you apologize for [redacted] ! And you make it sound like he gave us information that WE didn’t understand As so many shady companies do, you now try to put the onus on us, your clients I understood every word he said, and I asked him several times His answer never changed He even emailed me that same information But, instead of him standing up straight and admitting an error, he’s willing to hide behind Oceanside’s ridiculous claim that We just didn’t understand what he meant to say He has chosen to leave US holding the bag A big, huge financial bomb of a bag! The whole reason we re-financed so quickly into our mortgage is that we really need the small extra savings of $a month ***’s mother diedMy mother died Add the purchase of our first house, [redacted] was hurt on the job (not completely covered, so there are medical bills), the move, and we’re tapped outThe worst is knowing that we can’t pay the two late fees to date, or any others to follow We worked for years to save and build our credit to buy this house It is a place we love, and represents a lot of hard work and determination And like some cruel magic trick, [redacted] gives us incorrect advice/information, and just like that – it could all be gone Certainly our credit score will be shot to hell! We have a beautiful first home we won’t be able to maintain without creditSo, NO!!!! APOLOGY NOT ACCEPTED!!!! Tip for you: Judging by your response, YOU don’t even know how this all works Sit your staff down with your servicing department, learn something, and STOP ruining trusting client’s lives Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: The every other Friday is fine with us, it works And, if it can begin Friday, July 1st, that would be perfect The problem now is that even though they have agreed to an every other Friday, they are requesting that we pay June in full by Wednesday - June 15th And that's the way it's going each month We have made it clear, and can't make it any clearer, that we won't have the ability to pay in full until Friday June 17th What kind of "Catch 22" is this whole mess, and so called "new" proposal? Oceanside is willing to set up every other Friday, but only if we are able to pay the month in full on Wednesday, two days before we get paid And if not on that Wednesday, another $late fee is assessedWhat part of we get paid every other Friday, that I have expressed from the beginning of my conversations with [redacted] , don't they understand WE WILL NOT HAVE FULL PAYMENT OF THE MONTH UNTIL FRIDAY, JUNE 17TH!!!! TWO DAYS LATER!!!! This whole fiasco is because [redacted] , the owner [redacted] ???? (who never bothered to get involved with us), nor [redacted] seem to know the parameters/policy of payment Each of them thought, and stated, that there must be something wrong, and that they would get it figured out SOMETHING WAS WRONG, ALL RIGHT! NEITHER OF THEM KNEW WHAT THEY WERE TALKING ABOUT SO, THEY MADE PROMISES THEY COULDN'T KEEP!!!! Ignorance is No excuse! And, we're the ones, literally paying for it! Regards, [redacted]

We apologize for the inconvenience We have removed you from our internal masterlist We do not generate the lists directly They are purchased from 3rdparty vendors Each time we order a new list, there is a chance that you will be added to the new listIf you do notwant to receive pre screened offers of credit from Oceanside Mortgage or anyother companies, call the consumer reporting agencies toll-free, [redacted] or visit the website at www[redacted] .com; or write [redacted] ***

Complaint: [redacted] I am rejecting this response because: The business committed thru email (attached below) that the rate had been locked at 4.25% for this transactionThey also said that in case the rates went down that would be passed on to the customer They had also provided the Good Faith Estimate confirming the 4.25% (attached for your reference)This was also confirmed in multiple emails and discussions with [redacted] ***We can also refer to these recorded conversations if needed Hope this helps and I look forward to the loan resolution Regards, [redacted]

Complaint: ***
I am rejecting this response because:
I was advised by your representative *** ***, when I asked for a change of date BEFORE the contract was signed, that the date was simply an administrative necessity to process the application and the contract. I asked about this when I received the application to sign, and again when we received the contract to signOceanside had no problem skirting policy when I needed to pay the upfront fee in separate postdated checks. You changed the rules to make sure we didn’t have to pay all of the “fee” sum up front. When the conveyor of the closing papers, balked at the arrangement, I was able to get *** *** on the phone to smooth the difficulty - on a Saturday!
When the first late fee came in, you offered to waive the fee, and have offered to do so nowThroughout my complaining, *** *** has also assured me the owner of your company, *** ???? would be able to -again- change the policy, and make this rightBut now you refuse to correct this error on your part, by saying you are legally bound to policy and procedure. If you are so worried about legality, you should note that it was illegal for your representative to guide me through a process, he should have understood, with insinuations and liesThe worst of it, is that now you want to lean on legality and process to the letter. I COULD NOT pay you yesterday, but I can pay you in full Friday. We’re talking about a two-day grace to get this mortgage up and running on schedule. That’s all it takes to resolved this matter, and we all move onI pay you tomorrow in full for the month of June and we set up the “every other Friday” from thereAnd by the way, NO it was not like this at our first mortgage provider who handed us over to *** ***, and it certainly was NOT like that at *** ***. They were willing to work with us and our needs in so many financially comfortable waysWe were so happy there. What was I thinking to re-finance for a few extra dollars and leave *** ***? Oh, I remember. I was thinking what *** *** was telling me was the truth!!!!
Such an easy fix on your part, but if you don’t have the decency to make that happen, I want you to know that I WILL NOT LET THIS GO!!!! If Revdex.com can’t help us, the Attorney General is next. Then newspapers and TV, if necessary. I WILL NOT LET YOU RUIN OUR CREDIT WITHOUT A HUGE PUBLIC FIGHT!!!! I want everyone to know the kind of organization you are, the deceptive tactics you employ, and your unwillingness to right a wrong
*** ***

Excellent service from beginning to closing of my loan refinanceCarmine was fabulous in taking my loan application and making it a simple enjoyable process

A year ago we refinanced our mortgage with OceansideWe worked with Carmen *** and he was amazing! The whole process was easy and painless and within just a few weeks we had the whole thing finished and signedI highly recommend Oceanside, and would consider them for any future needs that I have

Was the best customer service by far have done mortgages or refines in my life these guys are the best thanks to chris n steve stars answered all my questions always got back to me promptly made sure to explain everything to me and then some would recommend them to family n friends

Mr***:
I have carefully reviewed your transaction I have attached a copy of the closing disclosure from your loan that indicates the loan would be paid off on 6/ I have also attached a copy of the wiring transfer to your prior lender As you can see,
we paid your loan off on 6/as we promised to do I am sorry for the confusion I believe your issue is with your prior lender They were the ones who made the withdrawal from your account In an effort to help ease your trouble, without admitting any fault, I would be willing to refund $to you for your inconvenience I would recommend contacting your prior lender to obtain the balance of the refund.
Thank you,
Steve S
Oceanside Mortgage Company

Unfortunately the borrower was not locked at any time. There is nothing we can do further than what we have offered

*** *** ** *** * *** *** ***
sans-serif;"> Dear Sirs: This letter is in response to your Revdex.com Complaint According to our records, funds in the amount of $were received on March 1, and March 4, by way of a one-time internet payment on ***. On March 4, 2016, Mr*** enabled monthly drafting; however, the initial draft was not scheduled to occur until April 1, and both aforementioned payments were initiated by the borrower. Please note: the automatic drafting was cancelled on March 22, 2016. On March 10, 2016, Mr*** contacted our Customer Service Department and requested a reversal of payment as he had submitted one payment satisfying the March installment and another in error. Regrettably, his request was not initially completed due to a processor error. Mr*** then contacted our office on March 15, and was advised the request to refund the payment could take 5-business days to completeThe payment of $942.77, originally received on March 4, 2016, was returned to the originating bank account on March 24, in accordance with Mr***’s request. As of the date of this letter, Mr***’s loan is current and due for the April 1, installment in the amount of $942.77. We regret any inconvenience that Mr*** may have encountered as a result of the delay in processing his request to return his payment, as this is not the level of service we strive to provide. Furthermore, we have utilized this matter as a coaching opportunity to ensure the highest level of service going forwardFor your convenience, a Customer Account Activity Statement is enclosed. Should you have any questions regarding this matter, please contact me at ***

Amazingly easy process Customized loan times I kept my payment the same and reduced my loan from years to years An incredible savings in interest!

Such an easy transition, we were able to do everything on line except for the closing papersSaved me a percent on my mortgage and lowered my payment

Attached please find a copy of the "Notice of Value" we received from the Department of Veterans Affairs. A copy of this document was also sent to Mr*** directly from the VA. Item indicates that the borrower must provide "evidence that use of the private road or common-use
driveway is protected by a recorded permanent easement or recorded right-of-way from the property to a public road, and that a provision exists for its continued maintenance".
We have contacted the VA over times to try to get them to remove this condition. Unfortunately, they will not remove it. We would be happy to proceed with Mr*** loan application if this matter could be resolved
We take borrower privacy very seriously. All of Mr*** documents are protected under our privacy policy and I can assure you that we have no gain by retaining them. Further, we actually paid for Mr*** appraisal in the amount of $400. There would be no logical reason for us to accept a loan application and pay fees on the borrowers behalf if we were trying to take advantage of Mr*** in any way
We would love to help Mr*** if he can clear up the issue with the easement. Unfortunately, there is nothing that we can do. The issue lies with the VA. The VA is unwilling to insure the loan, which means we would not legally be able to originate and close this loan as a VA loan. I believe the title company that was processing the transaction for Mr*** offered to prepare and record the required documents which would clear up the issue. Please let me know what type of resolution Mr*** would like. I would be happy to help in anyway that I could

I would like to apologize for the miscommunication that occurred with your loan We do not offer a traditional bi-weekly plan but do offer a budget drafting option
Budget Drafting is a convenient program that may help to reduce your interest charges, build equity
more quickly, and pay off your loan earlyWhen enrolling in the budget drafting program, you authorize the initiation of a debit from your bank account, every other Friday, for half of your recurring scheduled monthly loan paymentA full monthly payment is posted to your loan account on the next business day following the second half payment draftTwice a year a third 1/payment will be drafted and posted to your account as a principal payment.Half of the total draft amount is deducted from the specified bank account every other FridayThe first half payment is held in suspense until the second half arrives, at which point the total amount is applied as the monthly paymentSince the process takes four weeks, the loan needs to be paid one month in advanceTwice a year, a third half- payment will be drafted and posted to the account as a principal paymentThis is due to some months having three FridaysIf you decide to pay your payments utilizing the budget draft program, you must have your loan paid current at the time of enrollment For example, you can enroll in this program this month to have this program start in July as long as you have fully paid your June mortgage payment prior enrolling.Attached is a link explaining how the *** *** bi-weekly program works ***As you can see, "Payments made weekly, every two weeks and twice a month are treated as partial payments and may not be applied to your mortgage until full payment is receivedA partial payment is anything less than the amount due on your billing statement." Transferring your loan to *** *** would not alleviate the need to pay your mortgage payment in full prior to the due date With either a bi-weekly option or a budget drafting option, you are required to pay your loan in full prior to the 15th of the month to avoid a late charge This same policy would apply with Oceanside or *** ***.Unfortunately, we are unable to transfer your loan to *** *** at this point *** should have clearly indicated that we cannot guarantee a specific investor for any particular loan
Additionally, we have not reported your loan as late to your credit report Your credit score will only be negatively effected if you pay more than days lateDue to the miscommunication, we would be willing to waive your current unpaid late charge ($117.06) Please let us know if this is acceptable As I mentioned it is crucial that you pay your payment in full prior to the 15th of the month

Complaint: [redacted]
I am rejecting this response because:
The every other Friday is fine with us, it works.  And, if it can begin Friday, July 1st, that would be perfect.  The problem now is that even though they have agreed to an every other Friday, they are requesting that we pay June 2016 in full by Wednesday - June 15th.  And that's the way it's going each month.  We have made it clear, and can't make it any clearer, that we won't have the ability to pay in full until Friday June 17th.  What kind of "Catch 22" is this whole mess, and so called "new" proposal? 
Oceanside is willing to set up every other Friday, but only if we are able to pay the month in full on Wednesday, two days before we get paid.  And if not on that Wednesday, another $117 late fee is assessed.
What part of we get paid every other Friday, that I have expressed from the beginning of my conversations with [redacted], don't they understand.  WE WILL NOT HAVE FULL PAYMENT OF THE MONTH UNTIL FRIDAY, JUNE 17TH!!!!  TWO DAYS LATER!!!!
This whole fiasco is because [redacted], the owner [redacted] ???? (who never bothered to get involved with us), nor [redacted] seem to know the parameters/policy of payment.  Each of them thought, and stated, that there must be something wrong, and that they would get it figured out.  SOMETHING WAS WRONG, ALL RIGHT!  NEITHER OF THEM KNEW WHAT THEY WERE TALKING ABOUT.  SO, THEY MADE PROMISES THEY COULDN'T KEEP!!!!  Ignorance is No excuse!  And, we're the ones, literally paying for it!
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
The business committed thru email (attached below) that the rate had been locked at 4.25% for this transaction. They also said that in case the rates went down that would be passed  on to the customer.
They had also provided the Good Faith Estimate confirming the 4.25% (attached for your reference). This was also confirmed in multiple emails and discussions with [redacted]. We can also refer to these recorded conversations if needed.
Hope this helps and I look forward to the loan resolution.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
How dare you apologize for [redacted]!  And you make it sound like he gave us information that WE didn’t understand.  As so many shady companies do, you now try to put the onus on us, your clients. 
I understood every word he said, and I asked him several times.  His answer never changed.  He even emailed me that same information.  But, instead of him standing up straight and admitting an error, he’s willing to hide behind Oceanside’s ridiculous claim that We just didn’t understand what he meant to say.  He has chosen to leave US holding the bag.  A big, huge financial bomb of a bag!
The whole reason we re-financed so quickly into our mortgage is that we really need the small extra savings of $150 a month.  [redacted]’s mother died. My mother died.  Add the purchase of our first house, [redacted] was hurt on the job (not completely covered, so there are medical bills), the move, and we’re tapped out.
The worst is knowing that we can’t pay the two late fees to date, or any others to follow.  We worked for 21 years to save and build our credit to buy this house.  It is a place we love, and represents a lot of hard work and determination. 
And like some cruel magic trick, [redacted] gives us incorrect advice/information, and just like that – it could all be gone.  Certainly our credit score will be shot to hell!  We have a beautiful first home we won’t be able to maintain without credit.
So, NO!!!!  APOLOGY NOT ACCEPTED!!!!
Tip for you: Judging by your response, YOU don’t even know how this all works.  Sit your staff down with your servicing department, learn something, and STOP ruining trusting client’s lives.

Regards,
[redacted]