|
11836035
|
2025-01-29
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
No
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2025-01-29
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-29
|
|
|
11081510
|
2024-12-09
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-09
|
| Complaint What Happened |
XXXX KENTUCKY HOUSING COPORA XXXX XXXX XXXX XXXX, KY XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent KENTUCKY HOUSING CORP you furnished alleged transaction on my XXXX, XXXX and XXXX reports that you identified as late.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.
The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.
15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 30 days to send me all the required information.
A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.
Do not reply to me stating that you are furnishing accurate information because we both know your not.
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).
If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 30 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : Anything other than deletions and correct updates will result in me seeking monetary damages for each inaccuracy that shows on these credit accounts!
___________XXXX XXXX______________________ Without Recourse UCC 1-308
|
| Consumer Consent Provided |
Consent provided
|
|
|
11085192
|
2024-12-09
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-09
|
| Complaint What Happened |
XXXX KENTUCKY HOUSING COPORA XXXX XXXX XXXX XXXX, KY XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent KENTUCKY HOUSING CORP you furnished alleged transaction on my XXXX, XXXX and XXXX reports that you identified as late.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.
The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.
15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 30 days to send me all the required information.
A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.
Do not reply to me stating that you are furnishing accurate information because we both know your not.
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).
If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 30 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : Anything other than deletions and correct updates will result in me seeking monetary damages for each inaccuracy that shows on these credit accounts!
____XXXX XXXX_______________________ Without Recourse UCC 1-308
|
| Consumer Consent Provided |
Consent provided
|
|
|
11329130
|
2024-12-30
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Issue |
Fees charged
|
| Sub Product |
USDA mortgage
|
| Date Received |
2024-12-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-30
|
|
|
10966353
|
2024-11-28
|
Improper use of your report
|
Mortgage
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-28
|
| Complaint What Happened |
This creditor XXXX XXXX has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B credit may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6829311
|
2023-04-12
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-04-12
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-12
|
| Consumer Consent Provided |
N/A
|
|
|
7179910
|
2023-06-28
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-28
|
| Complaint What Happened |
Hello I contacted XXXX about information they are reporting on my credit report that is not correct. I disputed information KY housing, my mortgage company, put in the additional comments of my credit report. It says i have a variable rate and i have a reaffirmation agreement with this company. I told them i have a fixed rate and that the reaffirmation agreement i had with them is 17-1/2 years old and they were only allowed to report about that bankruptcy for ten years. They closed the dispute and said ky housing verified it. i requested the procedure how it was validated and they said they just ask them and Ky housing sent back the same information as verified. I asked for proof of what Ky housing sent to verify, and they said my dispute letter is my proof. I stated i provided documents that show the reaffirmation agreement was 17-1/2 years old and my promissory note showing i have a fixed rate on my mortgage. They said they could not do anything because ky housing verified it. I am going to upload the dispute result letter from XXXX. A copy of the reaffirmation letter I signed in XX/XX/2005 to XXXX XXXX. My promissory note for my loan with ky housing. I have also contacted ky housing twice by email. To a lady name XXXX XXXX, XXXX which us the name of the person that sent me a copy of my documents from ky housing. I told her the information is not correct that is being reported by ky housing. She never would respond back to me. So i have tried all ways to rectify before filling this complaint
|
| Consumer Consent Provided |
Consent provided
|
|
|
5862643
|
2022-08-10
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10325767
|
2024-10-02
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-10-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-02
|
| Complaint What Happened |
I am have an FHA loan and I have been late paying my mortgage for XXXX and XXXX. I was trying to pay the past due balance of both XXXX and XXXX but I didnt realize I needed XXXX more dollars in my account and there was not enough funds to cover. I called them today XX/XX/year> to let them know. Now they are making me pay for XXXX, XXXX and XXXX all together in which I do not have XXXX yet but will soon. Meanwhile. Im afraid that my house will go into foreclosure because they refuse to accept my XXXX and XXXX payment. Im a single mom, just graduated from XXXX school and starting my job as an XXXX and this company has not helped me in any way when I tell them I need assistance it wont even accept my payment that I do have. It cant be legal what they are doing. Ive had so much trouble with the Kentucky Housing corporation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3474795
|
2019-12-21
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-21
|
| Complaint What Happened |
I got behind on my payments. I spoke to them to try to get arraignments set to get caught back up. They were very rude not wanting to work with me. I went ahead and started sending in money to try to get it caught up and they refused my payment and sent it back to me. They have contacted me at work and I explained I was not allowed to have phone calls at work. Since I have asked them to stop calling me at work they still do. If I answer they hang up with out saying anything. If a co worker answers and they transfer them to me as soon as I answer they hang up. On one occasion I was on the phone and my co worker answered and explained I was on the other line and asked to take a message. They gave there name and number and that they were calling with Kentucky Housing Corp. Now my coworker is wondering why they are calling me here at work. It was very embarrassing. Not sure how to get this to stop or how to try to get caught up if they are refusing to accept any of my payments I have tried to send in. I dread every time my phone rings at work thinking that it will be them.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2341519
|
2017-02-13
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2017-02-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
My ex husband and I bought our home while we were together. His name went on the loan and both of our names went on the deed. A few years later we divorced. At that time I was working and was able to keep up with the payments for the home on my own. In our divorce settlement he relinquished his rights to the home, leaving everything up to me. At some point after that I had to quit my job due to a medical condition and have not yet been able to obtain XXXX. From this the mortgage went into default. It was somewhere around XX/XX/2016 where it came up on the 3rd month of being in default. At this point the mortgage company blocked me from being able to pay the mortgage by phone. So I called the collections lady at the housing corporation and she told me that I could not make the payment. That it was too late. I talked to her supervisor and he told me the same thing and that foreclosures take a while and we would have plenty of time to find somewhere to go. Then 3 weeks later the collection lady called me saying " where 's your payment you said you were going to make?! '' And I told her I was n't given the option! But she said it " said in her notes '' that I said I was going to make it by that time. I said NO I WAS NEVER GIVEN THE OPTION!! So my house then went into foreclosure. I have found a lawyer who had me get a quit claim deed and said that I can submit for loss mitigation. The housing company told me they were lying and that I could n't. That my ex had to do it with his information but someone who filled for it also had to be living in the home, which he obviously is n't. So they left me hopeless. My lawyer sent them my loss mitigation packet along with all other documents they would need and they have yet to put it into review! They said that the regulations from the CFPB do not pertain to them bc they are a separate entity. I was told that they will look into what they can do but they do n't think it 's going to work out.
Also, at the beginning of this situation my ex sent authorization in writing stating that they had permission to speak to me about the loan. After the collections would n't take my payment and lied 3 weeks later I tried to call the supervisor and left messages but no one ever called me back and then the housing company said they COULDNT talk to me because they did n't have permission from my ex. So they apparently " deleted '' the written statement saying that they could. They have made it to where I can do NOTHING in regards to my home.
They are also APPARENTLY mailing things about the loan and what not to my ex husbands new address for some reason. So when they say " well we mailed you this ... '' No you mailed it to my ex and I never got it!
|
| Consumer Consent Provided |
Consent provided
|
|
|
2349855
|
2017-02-17
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2017-02-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
The lender is refusing to review the clients loss mitigation package because it was submitted by a 3rd party on the clients behalf - It should not matter where the package was submitted from - the lender should review the client for all options when a full loss mitt package is submitted.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2309746
|
2017-01-25
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2017-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2017-01-25
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2004558
|
2016-07-08
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2016-07-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-08
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
My family has a mortgage and down payments assistance loan with Kentucky Housing Corporation. We 've always made our monthly payments via their online web portal. The web portal payment system was not functioning during the last several days of XXXX XXXX. I made XXXX payments via a toll free number before the end of the month and was still accessed XXXX thirty day late entries on my credit report. I 've had a mortgage since XXXX XXXX with no previous 30 day late payments.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10149610
|
2024-09-17
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-09-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-17
|
| Complaint What Happened |
My ex husband and I divorced in XX/XX/year>. He was supposed to pay the mortgage on the home until it sold. He moved out in XX/XX/year> and will not respond to me at ALL. I have text, called, emailed, posted on various social media and nothing. The mortgage is in his name. The deed has my name on it. We did not post the home for sale due to him not completing the tasks listed in our divorce and he broke major things moving out. Kentucky Housing Corporation took my payment via check for what I thought was the XXXX payment. Turns out he never paid any payments in 2024. I reached out to Kentucky Housing in XX/XX/year> to let them know I was being garnished and to see what I could do to get mortgage payment assistance. I was told no help because I wasn't on the account. I can not find my ex husband to get the man to sign the release. I emailed probably every month this year trying to figure out how to keep my home. I filed for bankruptcy and am paying {$500.00} to that every month. I let them know I want the house but need help getting it out of foreclosure. I was pretty much told oh well. They sent me the release but no one can find my ex. I even text his new girlfriend and she said she can't wait to watch me and my kids be thrown out. I am a social worker with child protection in Kentucky. I have XXXX XXXX. The attorney for Kentucky Housing told me to be prepared to move out in 60-90 days. I NEED help! I was never served with paperwork and the " certified letter '' that went to my home was not signed for. The mail lady got mad because my kids told her I was asleep and she left it in the mailbox. That's not legal or I thought. I let the warning order attorney know I didn't sign for anything and it was oh well. This company would rather foreclose on my home and let it sit empty than help me save it. There's a home in my neighborhood that's been empty for over 3 years and it was a foreclosed on. I can make the payments now but I need to know how to catch it up and no one will help me. Kentucky Housing is the worst company ever and their customer service is deplorable. It's oh well be homeless. Please help us.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7200849
|
2023-07-03
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2023-07-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-03
|
| Complaint What Happened |
Call XX/XX/XXXX of 2023 a tree fell out of the house, which caused the roof and the ceiling to collapse on my grandson. That was a week ago. As of now the tree and the ceiling is still open. The tree is still leaning on the house they insurance company has not sent anyone out to take and put a tarp on the house of rain and hail has been coming into the house which has caused the floors to swell. The tree has not been removed. I sent in two quotes to XXXX XXXX, which was the adjuster I have not heard anything back from them. I contacted Kentucky Housing Authority and Kentucky housing corporation Kentucky housing corporation. Refuses to give me the name of the insurance company and the policy number the adjuster has not contacted me I have pictures I will send showing the damage to my house in XXXX XXXX XXXX, XXXX, KY XXXX XXXX. The electrical wiring is exposed and its wet. The rafter is cracking and is the adjuster with her. He already cracked but he pretended that he didnt hurt. Whats the raft ago was the whole ceiling or possibly the whole side of that house is going to collapse the house is really uninhabitable. I did not receive any money to go to a hotel so I have to stay here in the home who wrote the pictures and videos of the house and the damage thank you.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3156920
|
2019-02-20
|
Incorrect information on your report
|
Mortgage
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
FHA mortgage
|
| Date Received |
2019-02-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-02-20
|
| Complaint What Happened |
I refinanced my house in XX/XX/XXXX. Kentucky Housing Corp. reported that I was late the payment for that month. The loan was paid off in XXXX. I called KY Housing and talked to them about what was on my credit report. I was told to dispute what was on my report and they would fix it. Well XXXX was fixed but they reported me late for XXXX XXXX. The loan is paid off so they shouldn't reporting anything on my credit report because the loan was paid off in XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3233258
|
2019-05-06
|
Incorrect information on your report
|
Mortgage
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
FHA mortgage
|
| Date Received |
2019-05-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7650728
|
2023-10-05
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Issue |
Foreclosure
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-10-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-05
|
| Complaint What Happened |
I am a XXXX woman, and Kentucky Housing took advantage of me and my family by selling my house out from under us with small children.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4019469
|
2020-12-18
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2020-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-18
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8202240
|
2024-01-22
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-22
|
| Complaint What Happened |
Kentucky Housing Corporation purchased my Rural housing loan after the sale closed. I have had numerous issues with this company kicking back ACH payments when I know for a fact the funds were available. when this happens there is little to no communication and the company refuses payments to settle the issue until the balance and fees are unreasonably high. As a consumer this looks like an attempt to generate revenue from extra fees or worse an attempt to force foreclosure and sale of the property. The employees of the company have been less than cooperative and professional in the few times they have actually answered the phone save for one who had any decency. Considering this is a company that specializes in low income housing Im concerned about how many others they could be doing these things to.
In addition, I have received calls from unknown and blocked telephone numbers with people claiming to be from the KHC offices demanding my personal identifying and banking information. I believe these to be scam calls resulting from a possible data breach that has not been addressed by the company.
I hope you can look into these issues and get to the bottom of it. I have been hesitant to file this complaint due to fear of retaliation and reprisal but something needs to be done.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1146672
|
2014-12-08
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
No
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2014-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-08
|
| Consumer Consent Provided |
N/A
|
|
|
7511857
|
2023-09-06
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-09-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-06
|
| Complaint What Happened |
Unfortunate, I'd submitted my mortgage payment for XXXX late due to an unforeseen circumstance ( gas leak repairs made on XX/XX/XXXX ) on XX/XX/XXXX to Kentucky Housing Corporation via XXXX XXXX shipping for account # XXXX and XXXX. According the the tracking # XXXX, my payment was delivered on XX/XX/XXXX and was picked up by an individual at XXXX. XXXX XXXX of XXXX on XX/XX/XXXX @ XXXX regarding payment processing and provided tracking number in addition to providing explanation of my late payment. XXXX stated that XXXX had not received the payment. According to the XXXX tracking tool, payment was delivered and picked up by XXXX on XX/XX/XXXX @ XXXX. On XX/XX/XXXX @ XXXX s/w XXXX regarding the missing mortgage payment. XXXX stated she did not see the payment. I explained to XXXX the payment was delivered on XX/XX/XXXX @ XXXX before the XXXX XX/XX/XXXX deadline. XXXX ended the call with stating she would post the payment and to check the portal within a few hours. On XX/XX/XXXX evening, I checked the portal for the missing payment in which the payment reflect of being received on XX/XX/XXXX opposed to reflecting the date of XX/XX/XXXX. On XX/XX/XXXX, I'd received a letter from XXXX stating my mortgage was in default due receiving payment after XX/XX/XXXX. When I contacted XXXX in regards, I was told there was nothing they could do. I feel it was unfair to have being sent a letter stating my mortgage is in default when the payments were sent and received before the final deadline which is stated within an email sent via XXXX on XX/XX/XXXX stating : Your mortgage payment for this month has not been received by Kentucky Housing Corporation ( XXXX ). To avoid defaulting on your mortgage, make your payment immediately. All payments must be received immediately to avoid defaulting on your Mortgage loan. The latest payment will be accepted is XX/XX/XXXX BEFORE XXXX P.M. On XX/XX/XXXX @ XXXX, I received another email stating the same statement. Copies of emails and letter can be provided. In addition to the miscommunication and handling of payments, I've been struggling since XX/XX/XXXX with paying the revised mortgage amount. Without receiving proper notice in the mail stating my mortgage payment would change from {$900.00} to {$1000.00} made it difficult for me to adjust and make my payments on time. I've called XXXX in regards in which they did not provide suitable means for assistance.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7365050
|
2023-08-07
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-08-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-07
|
| Complaint What Happened |
In XXXX I logged into my mortgage and pai it off in full. Upon completion my account balance reflected {$0.00}. In XXXX I received a letter stating my mortgage payment was past due. According to the letter I owed {$48.00} that had to be paid via certified funds. ACH never took money out of my account and my online balance showed {$0.00}. I sent a money order and paid the loan off but they marked my payment as late and my credit score dropped from XXXX to XXXX. I never knew the loan was still open and my online balance showed {$0.00} for 3 months.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2187024
|
2016-10-31
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
No
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2016-10-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-12-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On XX/XX/2016 I contacted Ky Housing Corp my mortgage servicer of the VA/FHA mortgage I have on my home. I was contacting them seeking assistance based on my low income, XXXX, or veterans status, after a vehement conversation the Supervisor of a person named XXXX came to the phone. This person first states yes we service VA loans, but we do not do the HARP program for veterans but service VA loans, and also because you get help paying your mortgage by a subsidy you do not qualify to do HAMP application unless you drop your help making mortgage payment ; we can not help you from going into foreclosure status
|
| Consumer Consent Provided |
Consent provided
|
|
|
9719909
|
2024-08-06
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4575936
|
2021-07-26
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2021-07-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-26
|
| Company Public Response |
Company believes the complaint provided an opportunity to answer consumer's questions
|
| Consumer Consent Provided |
Other
|
|
|
2830529
|
2018-03-01
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2018-03-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-01
|
| Complaint What Happened |
I attempted to pay my mortgage today XX/XX/XXXX. I was told they could only take my XXXX and XXXX payments together. I was also told this would hit my credit regardless and there was nothing I could do. I paid the first of XX/XX/XXXX for the regular payment amount and it did not effect my credit. They are forcing me to take a hit on my credit and as of this day I am not 30 days behind. The 30 day mark would occur the end of business tomorrow XX/XX/XXXX. They took away my option to pay online and over the phone with no help what so ever to avoid the delinquency. I am now forced to mail it off and be 30 days behind because of the refusal from multiple people at the XXXX XXXX XXXX specifically XXXX who had no solutions but to give her XXXX over the phone right then. I have other bills and children to feed as well this is not a realistic plan. They did not care to hear any of it. All interactions occurred today XX/XX/XXXX between XXXX and XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6527583
|
2023-02-04
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-02-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-04
|
| Complaint What Happened |
Escrow account for years XXXX and XXXX have been paid late by the company, to the point of getting letters from the County Attorney. They have upped my payments and are now charging me double and more for the taxes. My taxes are {$1400.00}. Year XXXX they charging my escrow on the amount of {$2600.00} the penalty that was charged. Escrow was {$380.00} they upped that to {$430.00} plus another {$54.00} adjustment.
For year XXXX same thing happened taxes weren't paid till XXXX and only after I called due to another letter from the County Attorney, taxes due {$1400.00}. New payments on tax bill for {$2600.00}.
New adjustments now {$450.00} a lot of my hard earned gone due to no fault of my own. I spoke to escrow manager she said she was taking care of it. When I sent my original payment they actually returned my check because it didn't have the inflated charges in there.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5614522
|
2022-05-27
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-05-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3052508
|
2018-10-21
|
Problem with a credit reporting company's investigation into an existing problem
|
Mortgage
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Kentucky Housing Corporation
|
| Product |
Mortgage
|
| Sub Issue |
Problem with personal statement of dispute
|
| Sub Product |
FHA mortgage
|
| Date Received |
2018-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-21
|
| Consumer Consent Provided |
Consent not provided
|
|
