Date Received: 2023-02-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My escrow account is increasing my payment on my 2 year anniversary, which is completely acceptable, they will not remove my PMI payments because my loan is not 2 years old yet. Also on there website it states that my Loan to Value is 66 %. So they will not even think about taking the PMI until after my 2 year anniversary. Spoke with them ( Mr. Cooper ) on an on line chat with an escrow specialist and that is where I got my information on XX/XX/2023. They will not take any action until after my anniversary but I have to pay my increase before that.
Company Response:
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XXXX XXXX XXXX introduced himself as the speaker of the bank Nationstar, and his office has since XXXX been made aware that XXXX XXXX 's social security funds ( exempt ) funds have been paying the XXXX XXXX XXXX XXXX according to the real estate contract filed in court. The funds went to the bank, however, the bank used and has used those funds for the last decade and has not applied to the original debt of XXXX, loan that Mr Cooper says holds the note of XXXX XXXX XXXXXXXX, as its new servicer. XXXX XXXX XXXX told the Judge that there " has been no payments '' and now wants to charge again for the 10 years the bank collected from XXXX XXXX double as his accounting is far from fair and honest and includes electronic transfer of government benefits of XXXX XXXX XXXX XXXX XXXX, who speaks for nationwide, also has stated that he does not want the money as the bank already got that, but is after the equity of XXXX XXXX XXXX XXXX XXXX NM XXXX, residence where the senior ( military widow ) has hold equitable title since XXXX. XXXX XXXX also has told us " he has the title '' and the bank told us that the money was given in checks to his customer as per a private agreement that we are not allowed to know. This money and the property equity belongs to XXXX XXXX, a senior who the bank has embezzled from and an audit is due. There are missapplied payments to the original note or a second loan opened for a third person in XXXX in the name of XXXX XXXX and XXXX XXXX, imvestors in florida who did not hold title nor had equitable position. XXXX XXXX has sent my mother threats he is going to keep the house, her money her furniture and all she possessed if a good offer " inwriting '' is not given to him and that the bank will make no counter on the house XXXX XXXX has lived in and has title of. The house has title insurance on parties in posession and XXXX XXXX is not an owner. XXXX XXXX and I have sought services of the division of vocational rehabilitation to help us get jobs to pay XXXX XXXX XXXX for his XXXX $ attorney fees he demanded and also to pay off the new loan that nationstar modified from XXXX ( the balance of the real estate contract ) to XXXX they doubled the mortgage in a private modification of the orignal XXXX XXXX XXXX XXXX or a second loan that mr cooper created with people who no longer lived on our home or have title to encumber. There is a loan created in XXXX by this law office, the investor '' and Mr cooper and they all want us to pay for it to keep it. The law is below and we just want to be treated like anyone else with orwithout a XXXX WE applied for a loan with XXXX XXXXXXXX XXXX and mr cooper both have pulled credit asked for income information and identity information on the house at XXXX XXXX XXXX XXXX XXXX but XXXX XXXX XXXX is after the " highest and best offer '' and has published the house for sale in thee newspaper, on the internet ( XXXX XXXX and on XXXX, Mr cooper company to. We acted in good faith and filled out a Mortgage assistance program with mr cooper under respa title x and title z as what we were told successors in interest, and XXXX XXXX XXXX or his associate referred the investor to an attorney, because we got the attorney correspondance in the investor name to our home, along with a 10 year voter registration that the XXXX XXXX annuled ( misdemeanor ). XXXX XXXX never lived in this house since XXXX. Please review the federal legislation, about mistakes intercepting funds from a third party, giving it to someone else other than the intended recipient ( which is the loan from XXXX XXXX XXXX of XXXX that should be around XXXX now ) and stating to the court that " no payments have been made, on the discharge note of XXXX and then because he can not collect form the people who made the loan illegally, he is after our money and our house We applied also for a mortgage with XXXX XXXX XXXX ( original Debt collector ) and then wit Mr Cooper. All they did is pull my mom 's credit, my credit, take income and identity documents, tax returns, bank statements, paystubs, school transcript, disablity records, pension retirment funds on our address for a " refinance '' and instead they attempt to " verify the debt of the wrongful foreclosure on our neck, without giving us disclosures for the loan and the appplication copy or a ncopy of the authorization to pull credit nothing mailed to us, it was a curtain that XXXX XXXX XXXX uses to collect a XXXX debt of others on us. Please honest and fair accounting to locate misapplied payments per the regulation below is all we ask and stop the nonsense to sell our home for the debt of others acquired in XXXX. According to XXXX XXXX fund transfer of government benefits.Modified limitations on liability requirements. ( i ) For purposes of XXXX ( b ) ( 3 ), the 60-day period for reporting any unauthorized transfer shall begin on the earlier of : ( A ) The date the consumer electronically accesses the consumers account under paragraph ( d ) ( 1 ) ( ii ) of this section, provided that the electronic history made available to the consumer reflects the unauthorized transfer; or ( B ) The date the agency sends a written history of the consumers account transactions requested by the consumer under paragraph ( d ) ( 1 ) ( iii ) of this section in which the unauthorized transfer is first reflected. ( ii ) An agency may comply with paragraph ( e ) ( 3 ) ( i ) of this section by limiting the consumers liability for an unauthorized transfer as provided under XXXX ( b ) ( 3 ) for any transfer reported by the consumer within 120 days after the transfer was credited or debited to the consumers account. ( 4 ) Modified error resolution requirements. ( i ) The agency shall comply with the requirements of XXXX in response to an oral or written notice of an error from the consumer that is received by the earlier of : ( A ) Sixty days after the date the consumer electronically accesses the consumers account under paragraph ( d ) ( 1 ) ( ii ) of this section, provided that the electronic history made available to the consumer reflects the alleged error; or ( B ) Sixty days after the date the agency sends a written history of the consumers account transactions requested by the consumer under paragraph ( d ) ( 1 ) ( iii ) of this section in which the alleged error is first reflected. ( ii ) In lieu of following the procedures in paragraph ( e ) ( 4 ) ( i ) of this section, an agency complies with the requirements for resolving errors in XXXX if it investigates any oral or written notice of an error from the consumer that is received by the agency within 120 days after the transfer allegedly in error was credited or debited to the consumers account. ( f ) Disclosure of fees and other information. For government benefit accounts, a government agency shall comply with the disclosure and change-in-terms requirements applicable to prepaid accounts as set forth in XXXX ( f ). This an unaffordable modification loans onto XXXX thousands of money down, and on top asking for XXXX cash to XXXX and XXXX and XXXX XXXX in a month does not consider our ability to repay their loans in full. I believe Mr Cooper misstated key terms on loan agreements, modificaiton agreements, including the principal and interest amounts, and did not disclose thousands of dollars in payments that they received from XXXXXXXX XXXX. In addition, XXXX XXXX packaged these illegal loans into a judgment against our property and equity and equity is or can be exchanged for money, which is what we have equity and the equity does not belong to the mortgagors that bought and bailed in XXXX but to us. This property is a family residence not a investment for an airbnb that it sold to investors who call my mother threatening her too..
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XXXX XXXX XXXX introduced himself as the speaker of the bank Nationstar, and his office has since XXXX been made aware that XXXX XXXX 's social security funds ( exempt ) funds have been paying the XXXX XXXX XXXX mortgage according to the real estate contract filed in court. The funds went to the bank, however, the bank used and has used those funds for the last decade and has not applied to the original debt of XXXX, loan that Mr Cooper says holds the note of XXXX XXXX XXXX, as its new servicer. XXXX XXXX XXXX told the Judge that there " has been no payments '' and now wants to charge again for the 10 years the bank collected from XXXX XXXX double as his accounting is far from fair and honest and includes electronic transfer of government benefits of XXXX XXXX XXXX XXXX XXXX, who speaks for nationwide, also has stated that he does not want the money as the bank already got that, but is after the equity of XXXX XXXX XXXX XXXX XXXX NM XXXX, residence where the senior ( military widow ) has hold equitable title since XXXX. XXXX XXXX also has told us " he has the title '' and the bank told us that the money was given in checks to his customer as per a private agreement that we are not allowed to know. This money and the property equity belongs to XXXX XXXX, a senior who the bank has embezzled from and an audit is due. There are missapplied payments to the original note or a second loan opened for a third person in XXXX in the name of XXXX XXXX and XXXX XXXX, imvestors in florida who did not hold title nor had equitable position. XXXX XXXX has sent my mother threats he is going to keep the house, her money her furniture and all she possessed if a good offer " inwriting '' is not given to him and that the bank will make no counter on the house XXXX XXXX has lived in and has title of. The house has title insurance on parties in posession and XXXX XXXX is not an owner. XXXX XXXX and I have sought services of the division of vocational rehabilitation to help us get jobs to pay XXXX XXXX XXXX for his XXXX $ attorney fees he demanded and also to pay off the new loan that nationstar modified from XXXX ( the balance of the real estate contract ) to XXXX they doubled the mortgage in a private modification of the orignal XXXX XXXX XXXX XXXX XXXX a second loan that mr cooper created with people who no longer lived on our home or have title to encumber. There is a loan created in XXXX by this law office, the investor '' and Mr cooper and they all want us to pay for it to keep it. The law is below and we just want to be treated like anyone else with orwithout a disability WE applied for a loan with XXXX XXXX XXXX and mr cooper both have pulled credit asked for income information and identity information on the house at XXXX XXXX XXXX XXXX XXXX but XXXX XXXX XXXX is after the " highest and best offer '' and has published the house for sale in thee newspaper, on the internet ( XXXX ) and on XXXX, Mr cooper company to. We acted in good faith and filled out a Mortgage assistance program with mr cooper under respa title x and title z as what we were told successors in interest, and XXXX XXXX XXXX or his associate referred the investor to an attorney, because we got the attorney correspondance in the investor name to our home, along with a 10 year voter registration that the XXXX XXXX annuled ( misdemeanor ). XXXX XXXX never lived in this house since XXXX. Please review the federal legislation, about mistakes intercepting funds from a third party, giving it to someone else other than the intended recipient ( which is the loan from bank XXXX XXXX of XXXX that should be around XXXX now ) and stating to the court that " no payments have been made, on the discharge note of XXXX and then because he can not collect form the people who made the loan illegally, he is after our money and our house We applied also for a mortgage with XXXX XXXX XXXX ( original Debt collector ) and then wit Mr Cooper. All they did is pull my mom 's credit, my credit, take income and identity documents, tax returns, bank statements, paystubs, school transcript, disablity records, pension retirment funds on our address for a " refinance '' and instead they attempt to " verify the debt of the wrongful foreclosure on our neck, without giving us disclosures for the loan and the appplication copy or a ncopy of the authorization to pull credit nothing mailed to us, it was a curtain that XXXX XXXX XXXX uses to collect a discharged debt of others on us. Please honest and fair accounting to locate misapplied payments per the regulation below is all we ask and stop the nonsense to sell our home for the debt of others acquired in XXXX. According to 1005.15 Electronic fund transfer of government benefits.Modified limitations on liability requirements. ( i ) For purposes of 1005.6 ( b ) ( 3 ), the 60-day period for reporting any unauthorized transfer shall begin on the earlier of : ( A ) The date the consumer electronically accesses the consumers account under paragraph ( d ) ( 1 ) ( ii ) of this section, provided that the electronic history made available to the consumer reflects the unauthorized transfer; or ( B ) The date the agency sends a written history of the consumers account transactions requested by the consumer under paragraph ( d ) ( 1 ) ( iii ) of this section in which the unauthorized transfer is first reflected. ( ii ) An agency may comply with paragraph ( e ) ( 3 ) ( i ) of this section by limiting the consumers liability for an unauthorized transfer as provided under 1005.6 ( b ) ( 3 ) for any transfer reported by the consumer within 120 days after the transfer was credited or debited to the consumers account. ( 4 ) Modified error resolution requirements. ( i ) The agency shall comply with the requirements of 1005.11 in response to an oral or written notice of an error from the consumer that is received by the earlier of : ( A ) Sixty days after the date the consumer electronically accesses the consumers account under paragraph ( d ) ( 1 ) ( ii ) of this section, provided that the electronic history made available to the consumer reflects the alleged error; or ( B ) Sixty days after the date the agency sends a written history of the consumers account transactions requested by the consumer under paragraph ( d ) ( 1 ) ( iii ) of this section in which the alleged error is first reflected. ( ii ) In lieu of following the procedures in paragraph ( e ) ( 4 ) ( i ) of this section, an agency complies with the requirements for resolving errors in 1005.11 if it investigates any oral or written notice of an error from the consumer that is received by the agency within 120 days after the transfer allegedly in error was credited or debited to the consumers account. ( f ) Disclosure of fees and other information. For government benefit accounts, a government agency shall comply with the disclosure and change-in-terms requirements applicable to prepaid accounts as set forth in 1005.18 ( f ). This an unaffordable modification loans onto hundred thousands of money down, and on top asking for XXXX cash to XXXXXXXX XXXX XXXX and XXXX attorney in a month does not consider our ability to repay their loans in full. I believe Mr Cooper misstated key terms on loan agreements, modificaiton agreements, including the principal and interest amounts, and did not disclose thousands of dollars in payments that they received from XXXX XXXX. In addition, XXXX XXXX packaged these illegal loans into a judgment against our property and equity and equity is or can be exchanged for money, which is what we have equity and the equity does not belong to the mortgagors that bought and bailed in XXXX but to us. This property is a family residence not a investment for an airbnb that it sold to investors who call my mother threatening her too..
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Sometime around XX/XX/2022, Nationstar Mortgage LLC ( d/b/a Mr. Cooper ) started utilizing a new payment system. The new payment system is rejecting online payments. This is the third month in a row I have submitted payment to have it returned prior to reaching my bank account. The result is their collections department calling me demanding payment. The collections department appears unaware of the issue and the solution provided by management is to process the payment over the phone. I currently have 2 months past due that I have submitted payment for multiple times and they want me to submit additional payment over the phone to bring the account current. There is no presentation of a solution that will result in my future payments being accepted without me calling in ensure my online payment was processed.
Company Response:
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This is my attempt to attach email communication in reference to my complaint regarding the refinance of my home at XXXX XXXX XXXX.
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2023, I received letter stating that Mr. Cooper filed a motion to foreclosure. I called the mortgage company, and they stated that I was current on all of my payments ; however, the mortgage company file the notice of foreclosure. They have not told me anything about how much I owe nor are they giving me a chance to save my home. In addition, I'm currently in bankruptcy and they are not talking to my attorney. Mr. Cooper is my mortgage company, and they are awful.
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Unfair - Failure to respond to written submission under RESPA including QWRs, Notices of Error and Notices to produce, excessive billing with failure to issue requested reimbursement of funds over charged equates to breaches of contract, fiduciary duty, negligence etc... Deceptive practices include failure to fully disclose actual mortgage holder now appearing to be Mr Cooper demanding payment in the name of XXXX XXXX and XXXX XXXX owner of Mr Cooper issuing partial refunds for overbilling issues. Deceptive Acts include but are not limited to Breach of Contracts, Negligence, Breaches of Fiduciary duty for altering terms without authorization, requests by Mortgagee and Unilateral Acts in contravention to those terms agreed to by the parties at settlement. Abusive tactics include conversion of funds without any alternatives given to the mortgagee, Unilateral acts by new Servicer not agreed to or applied for by Mortgagee and places the homestead in jeopardy by no fault of this Mortgagee satisfying the three part test under the FCT Act including It is substantial ; it must not be outweighed by any countervailing benefits to consumers or competition that the practice produces ; and it must be an injury that consumers themselves could not reasonably have avoided. The loss of escrow accounts while in part being billed for part while asserting the transfer, at first, did not affect the escrow requirements then changing terms is causing an unavoidable injury to this complainant that he has no way to avoid that has no benefit whatsoever to this consumer and flies in the face of those contractual obligations accepted at closing. The breaches of fiduciary duty therefore, negligence along with several contractual breaches ensures joinder of both XXXX XXXX and Mr. Cooper to that ongoing litigation in that Circuit Civil Action 22-CA-188 in the XXXX XXXX XXXX XXXXXXXX XXXX FL this is another injury complained of that is unavoidable and consequential to this complaining party, aside for the lack of any Credit and payment reporting which appears to be ongoing causing substantial and additional injury.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX This is NOT a duplicate. To whom it may concern, I would like to file a complaint against our current servicer, Nationstar LLC d/b/a RightPath Servicing, address XXXX XXXX XXXX XXXX, Texas XXXX XXXX phone number XXXX. RightPath reported us late for 120 days in XX/XX/XXXX to the credit bureau. I have attached the following documents as proof that payments were made : a copy of payments made from XXXX to XX/XX/XXXX issued by XXXX XXXX XXXX XXXX. a copy of our check mailed through certified mail for XXXX payment ( which was NEVER cashed ), Rightpaths response and XXXX payment a copy of a bank statement for XX/XX/XXXX. a copy of RightPaths apology letter admitting their mistake. I have attached payments made since XX/XX/XXXX to show proof that weve been paying on time. Second, is a copy of XX/XX/XXXX check mailed through certified mail ( per advise of an FHA counselor ). We tried calling in our payment for XXXX but was not accepted because the RightPath representative said we had to pay a balance of {$10000.00} to keep our account current. Third, a copy of a bank statement for XXXX. During this time ive asked for help from a family friend, XXXX XXXX XXXX to call them on our behalf. I was already worried that since XXXX payment was not withdrawn from our account we may be reported late. XXXX XXXX XXXX called RightPath and was told that XXXX payment can be called in. I again called and made a payment on XX/XX/XXXX but payment was returned XX/XX/XXXX ( please see XXXX payments highlighted ). Also 2 payments were made for XXXX XXXX was for XXXX and one for XXXXXXXX. During this time I was told that RightPath put a stop payment on our account and in order for payments to go through a manager is needed? Maybe to process our payments? It was not clear as to why they did that. Again, we doing our part to make our payments on time and was assured that during this transition phase NOTHING will be reported. Fourth attached document is an apology letter coming from RightPath. Please see letter because I am not understanding as to why we were reported late for 120 days when RightPath acknowledges payments from our prior servicer, XXXX ( please see page XXXX, second paragraph ). For the month of XXXX, a payment was acknowledged ( see third paragraph ). For XXXX ( see attached check ) Rightpath accepted that there was an error on their part. We have been consistent with our payments and have been calling weekly to follow up on correcting and honoring our loan modification. In XXXX we started talking to XXXX, RightPath Manager/Supervisor, in which we had 3-way calls which included myself, XXXX, and XXXX XXXX. XXXX gave us assurance that we would not be reported while in the process of correcting the error that they made. Also, she said that it will be reported correctly. We have been dealing with these errors for the past 9 months. Please make sure to correct the errors that you made to the credit bureau. These errors could have been prevented if proper research was conducted from the very start and prior to reporting us. A clear reflection of what you are as a company. Ma. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Loan # XXXX
Company Response:
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Copied and pasted from my original complaint filed with the XXXX Back in XX/XX/XXXX I declined the trial loan modification and made a lump payment to bring myself current. I was assured at the time that I was paying the correct amount after a recorded conversation where the agent went over all payments I had made that remained unapplied and subtracting it from the amount that was showing on my statement at the time. When my next statement showed a balance of XXXX months still due, I called and had another XXXX minute conversation, also recorded and was assured, once again, that I was current and the balance showing was an error. I took XXXX from Texas at her word and continued to make monthly payments but didn't look at any of the statements till XXXX. In XXXX I was notified that I had been approved for a XXXX I had started applying for back in summer of XXXX. The money came from the CARES act through the XXXX XXXX XXXX XXXX and was submitted electronically on XX/XX/XXXX in an amount equal to 3 months of payments,. Around the beginning of XXXX, I started calling mr. Cooper to find out where those payments were and when they would be credited to my account. Over a XXXX week timeframe I spoke to several agents and each told me the funds had not been received yet. All conversations were recorded, including the one with loss mitigation XXXX, XXXX XXXX who assured me that hew was researching it. I provided the XXXX ID #. It was several days later after being ignored by XXXX XXXX when I hooked up with XXXX XXXX who " escalated '' my complaint. 3 days later XXXX notified me that the funds had been located. They were in a lump sum with XXXX monies for several other PA residents but she could not provide a reasonable explanation as to why the person who was responsible for handling them hadn't been able to figure out who they were supposed to go to with XXXX XXXX having passed since they were received. Also, at this time, I discovered that my lump sum payment on XX/XX/XXXX still had not been properly credited and I still had a back balance of 2 months. Non of the other agents could explain and despite their assurances to research it, no one did a thing. XXXX XXXX " discovered '' the mistake and did the correction. Now, in reviewing my new transaction history I show several payments credited and reversed. It looks as if my payments in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX were reversed and were not re applied, I won't be sure till I see the next statement, but it seems as if I will still carry a balance. I have requested a formal written assurance that I am credited for all months of XXXX through XXXX with no payment due till XX/XX/XXXX. XXXX XXXX was not able to provide an explanation as to why none of the other agents who assured me I had no balance all summer did not take the proper steps to make the correctios. Nor could she provide me with an explanation as to why the XXXX funds sat unapplied for more than 34 days. or why no one even acknowledged their receipt in the XXXX XXXXXXXX and multiple phone calls I made to inquire about it. I even got a letter from the " research '' team stating that they had found no errors. Update by XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX I made an error in my complaint. XXXX funds were submitted not on XX/XX/XXXX. They were, in fact, submitted on XX/XX/XXXX XXXX
Company Response:
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: 5 days ago I called Mr. Cooper and told them that I recently got Covid in the month of XXXX, 2022 and requested them to give me a forbearance for 7 months without affecting my credit, I was told by the last agent I spoke with that she will send me an application by email and on my account in Mr. Cooper website, I still haven't received that Application. I was told that it will take 30 days to process the application but still I haven't received the application. why?
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A