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| - Our loan was transferred to RoundPoint from NCUA and ever since then we have been consistently harassed and threatened via telephone and mail. As of January 2013 our loan with NCUA was transferred to RoundPoint Mortgage Corp. Since that time both myself and my husband have been harassed with phone calls and letters with threats to report negatively on our good credit if we didn't pay an extra payment because their system shows a payment is missing. I have provided copies of our bank accounts showing every payment was not only made, but, that they are set up and paid automatically via online bill pay with our banking institute. The payments are electronic payments so the funds are immediately in their account. I have faxed and mailed copies of our statements. I've filed formal complaints with RoundPoint the FTC and Charlotte BBB. I have spoken to countless representatives of RoundPoint inquiring as to which payment specifically they claim is missing. I have been told a different answer by each representative. Initially, it was the Nov 2012 payment that was paid to NCUA, then the Dec 2012 payment. Thereafter, I have been told it was the February 2013 payment and the April 2013 payment. We have received countless phone calls and each representative claims to not have any knowledge of all the information I have provided and will not let me speak to a supervisor. If I persist they will then relent and say they can see in the notes in the system where I have provided copies of my bank statements. I have contacted our banking institute and opened inquiries on each individual payment. I filled out a Third Party Authorization form with RoundPoint allowing them to discuss our account with a representative of our banking institute. I have provided copies of the Oct & Nov checks paid to NCUA as those were the payments needed per the conversation between RoiundPoint & our Bank representative. In addition to speaking to representative on a near daily basis since January 2013, I have asked to speak to a supervisor and am always told "they're in meeting." When I asked how it was possible that they were always in meetings January through April every time I am speaking to a representative the girl told me, "well, they're meetings are back to back." THey are threatening foreclosure, threatening to report us delinquent to the credit agencies and the only solution we've ever been given is "pay an extra payment." The issue is within their company, they can't tell me specifically which payment is missing, as I stated each representative says it's a different one. During one phone call I was told their system shows all the payments were made but the April payment shows "blank." When I asked what that even meant, she said, it looks like someone entered the payment but not the amount paid! How am I supposed to rectify problems within their system? I have done everything I know to do to provide proof of our payments. We are being treated as though we are bad debtors. We are being harassed with threats of ruining our excellent credit if we don't comply to their "solution" of paying an extra payment." Their representatives are not helpful but refuse to let me speak to a supervisor. Most recently when I complained about the consistent phone calls and the fact that I had provided all proof of payments the representative said, "I can see where we call you a lot & I will remove your number from our system so we won't be able to call you." While I appreciate the idea, it does not solve the problem that they're not fixing their system to accurately show our payments have all been received. I have sent faxes to various representatives and departments...Rodney, The Cashier's Dept., Jeffrey Engstrom & The Payoff Req Dept. in the hopes that someone in any of these departments will follow through on this and make sure it is properly resolved. I have spoken to Amanda, Julie, Jonathan, Jason, Rodney & Yosef in addition to others I wasn't able to write down. Even after all this they still continue to threaten us with foreclosure and a negative credit report!
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