Plaza Home Mortgage

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.You state that the policy was cancelled due to non-paymentI have invoices from [redacted] The first one, dated Feb15, 2016, shows that $was billed to mortgagee, i.ePlaza Home MortgageI received another invoice from [redacted] , dated March 1, 2016, that was a cancellation notice for non-payment in the amount of $ I paid $at closing on February 22, Plaza Home Mortgage was liable for payment of the insurance policyNot myself as I have an escrow account and all insurance should be paid through that accountI paid the mortgage company and have paid every month since April when my first payment was dueThese are not valid charges and if the policy was, in fact, cancelled, it was not my errorIt was the mortgage companies error Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear belowThe lender's agents [redacted] and [redacted] specifically threatened me with foreclosure rather than explain the two step process of issuance of a breach letter followed by a day remedy periodGiven that time is of the essence, one would expect the lender to expedite the processing and mailing of draw checks but this hasn't occurredHaving contacted the company President ( [redacted] ***) and a VP ( [redacted] ), things are moving more smoothlyI am continuing to look for a happy resolution and successful performance Regards, [redacted]

March 13, 16px;"> [redacted] ** [redacted] Dear Mr***, We are writing to confirm that our tax department confirmed that Mr [redacted] owns of the acres When Mr [redacted] went to pay his taxes, he was advised they were paid He was instructed to contact you directly to reimburse for his portion of the taxes In February, Mr [redacted] advised that he feels more comfortable paying Plaza directly and we sent him a letter to advise him of the total amount due Plaza was waiting for his check in order to reimburse your escrow account in the amount of $1, Plaza has received the check from Mr [redacted] and it will be applied to your escrow account Please accept our apologies for any inconvenience or hardship this matter has caused you We will make every effort to provide you with the outstanding service you expect and deserve as our valued customer [redacted] Senior Vice President Risk Management

Plaza Home Mortgage is a crooked firmThey have been holding onto my insurance proceeds from a flood claimThey have continually changed the rules in which they would release the funds thereby causing me to front the entirety of the moneyThe work has now been completed for a month and they are refusing to release the funds in spite of the fact that they insisted on having a 3rd party inspector determine that the work has in fact been completedTheir behavior is criminal as they are holding my funds and should be at a minimum paying interest on the escrow accountI would never choose to do business with them again

Good afternoon, I sincerely apologize for the delayI contacted the settlement company and obtained a copy of the cancelled check for payment of the insurance premium at closing I have been working with our Insurance Department on this matterWe are trying to determine why the check was cashed by [redacted] on February 29, but as of April 4, they were reporting the policy as cancelled for non-paymentThe policy was renewed as of April 6, because we paid the premium from escrow on April 4, There may be more of a refund dueI will let you know once we have spoken with the insurance company I will respond again when the amount owed is determined Thank you for your patience Tell us why here

Plaza reviewed our servicing records and confirmed that no payments have been recorded late and no late payments have been reported to any bureaus A letter was sent to the customer directly

Plaza has communicated directly with the consumer in writing After reviewing/comparing the borrower’s appraisals, it does not look like the rise in property value could be directly contributed to improvements made by the borrower so we cannot bypass FHLMC’s 2-year seasoning requirementAs such, she does not currently qualify for PMI removalIn order to become eligible for early termination, the borrower has two optionsShe could make a large principal curtailment in the amount of $33,or more in order to yield an LTOV of 80% or lessOtherwise, the borrower could wait until their loan has been seasoned for years, which would be in March 2017, and order another appraisalThe property’s value from that appraisal would need to yield an LTCV of 75%

December 26, [redacted] [redacted] Dear Mr [redacted] , I am in receipt of a complaint registered by you on the Consumer Financial Protection Bureau website I can see that you have applied for a loan through The Advantage Mortgage Group, Incfor a couple different properties in the recent past and that you currently rent With respect to your request, Plaza provides the following explanation: You request that Plaza remove the "Declined" status from FHA Connection and indicate that you withdrew the application Plaza is unable to accommodate this request The requirements under the Home Mortgage Disclosure Act and by the Federal Housing Administration are very clear that if a loan is approved with credit conditions and is subsequently withdrawn, the resulting final action is a denied loan However, this does not preclude you from obtaining financing from another lender on the same property The other lender can approve and close a home loan for you, including obtaining FHA insurance Plaza's final action in no way affects the ability of another lender from making a loan to you for the purchase of the subject property Please let me know if you have any issues in the future that are not resolved to your satisfaction Sincerely, [redacted] SrVice President Compliance & Risk Management

Attached is Plaza Home Mortgage's further response to Mr [redacted] 's follow up complaint The original letter was mailed directly to Mr [redacted] today, December 23, Please contact [redacted] at ***[redacted] @plazahomemortgage.com if you have any questions Thank you

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I have made the following attempts to contact my single point of contact Date Time Number Rate Usage Type Origin Destination Minutes 7/6/8:36AM [redacted] Peak PlanAllow [redacted] ** Toll-Free CL -- -- -- 7/6/9:09AM [redacted] Peak PlanAllow [redacted] ** Toll-Free CL -- -- -- 7/7/10:07AM [redacted] Peak PlanAllow [redacted] ** Toll-Free CL -- -- -- 7/20/8:04AM [redacted] Peak PlanAllow [redacted] ** Toll-Free CL -- -- -- 7/20/9:02AM [redacted] Peak PlanAllow [redacted] ** Toll-Free CL -- -- -- 7/27/9:30AM [redacted] Peak PlanAllow [redacted] ** Toll-Free CL -- -- -- 7/28/9:39AM [redacted] Peak PlanAllow [redacted] ** Toll-Free CL -- -- -- 7/30/10:52AM [redacted] Peak PlanAllow [redacted] ** Toll-Free CL -- -- -- 8/5/9:10AM [redacted] Peak PlanAllow [redacted] ** Toll-Free CL I have sent the following faxes which I was told were either not received or missing documentation....please note the number of pages that were sent with each fax: FAXES SENT TO PLAZA Your fax has been successfully sent to [redacted] at [redacted] ------------------------------------------------------------ From: [redacted] Matter: [redacted] ------------------------------------------------------------ Time: 6/17/1:12:PM Sent to [redacted] with remote ID " [redacted] " Result: (0/339;0/0) Successful Send Page record: - Elapsed time: 78:on channel Unique ID [redacted] Your fax has been successfully sent to [redacted] at [redacted] ------------------------------------------------------------ From: [redacted] Matter: [redacted] Time: 7/20/10:50:AM Sent to [redacted] with remote ID " [redacted] " Result: (0/339;0/0) Successful Send Page record: - Elapsed time: 09:on channel Unique ID [redacted] 7/27/8:45:AM Transmission Record Sent to: [redacted] Phone: [redacted] Billing information: '' ' [redacted] ' Remote ID: [redacted] Unique ID: " [redacted] " Elapsed time: minutes, seconds Used channel on server " [redacted] " No ANI data No AOC data Resulting status code (0/339/0/0): Success Number of pages sent: After sending the requested information multiple times which I can provide ALL documents I have sent I was given the contact number of our foreclosure attorney Atty [redacted] *** [redacted] I offically request a loan modification rolling our past due balance into the life of the loan which consists of months to end The total additional amount of our past due balance rolled into monthly payments over months would not cause a hardship as it would be an extra $per month Until these terms are met there will be no further resolution Respectfully, [redacted]

Plaza Home Mortgage claims to support the FHA Back to Work program but denied our loan based on the exact guidelines the program was written to addressThe worse part is they strung us along for more than days with a pre-approval, approval and "of course" it will go through, we are just backed up and corporate review is taking longer than anticipatedWe were the classic example of the bawork program without any other issuesWe proceeded as normal, prepared to move, and gave noticeWith days before closing they issued a denial based on time since last short-saleThe program allows one year after short-sale and we are over a year since that eventThey should not be allowed to advertise that they support a program, when in fact, they do notIf they had no intention in following the guidelines of the program, that's fine, but they cannot say that they do and hold up an account from looking elsewhere for over a day period, knowing that consumers are counting on closing dates to move their familiesThis is now causing our family to scramble for another lender, hopefully not lose the house in request for an extension and to look for short term housingThe lack of honesty and untimely return on their decision should make all consumers beware of doing any business with Plaza