We are in the middle of a nightmare with Homecomings Financial, and we don't know how to get out.
Homecomings purchased our mortgage loan from Litton.
Our mortgage bill used to be $1750. Homecomings bill was $3300!
We have called or emailed them 20 times and have had our case escalated to managers. This has been going on for nearly 6 months.
Homecomings made gross errors in calculation of escrow and hazard insurance.
To avoid late credit reporting and foreclosure, we drained our savings to make inflated payments.
To make matters worse, they blame us because we use Quicken Bill Pay (to pay thousands more than we should!). The money clears our account and posts to their books.
We have tried to be cordial to them despite their errors; in return, they are rude and will not help us.
Now, we have drained our savings to make these extra payments. We want to refinance, but don't have the money to do this.
We would like to file a formal complaint. I understand that HUD, or the FTC, has legal oversight for non-bank mortgage lenders.
Any help would be greatly appreciated!
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