CMG Financial Services, Inc.

I contacted CMG Home Loans support in XXXX of XXXX, via email or phone support on how to formally request my PMI to be reviewed and possibly removed. I was advised to submit a Request ticket on their XXXX XXXX XXXX portal. I provided all the requested information in my request. This request was submitted on XX/XX/XXXX. This is request is still pending review in my XXXX XXXX XXXX portal, I have not received an update. XX/XX/XXXX, I called XXXX XXXX XXXX XXXX via phone to get an update on this request. The agent told me I need to file a new request. I inquired why a new request would be made when the original request with no response was still open. She mentioned the ticket was beyond XXXX days old and a new one needed to be made. Despite my pushback on this, as I want the original ticket from XX/XX/XXXX to remain open, she told me it was the only option to start a new request. She submitted the new request on my behalf, while I remained on the phone.…

In XXXX of XXXX XXXX XXXX I made my XXXX first payment early. On XXXX first, the mortgage company took an additional auto payment of my monthly mortgage. I called on XXXX XXXX to get this payment reverse.So that I could have my money back.The employee told me it would take XXXX days. On XXXX XXXX, after the payment was yet to be XXXX called and requested to know why it hadn't been reversed. I was then told by a different employee that it is the company 's policy not to refund.Mortgage payments. Then, after requesting to speak to a supervisor I was told they could look into this.But it would take twenty days.

This complaint is a follow-up to CFPB complaints XXXX and XXXX, both filed against CMG Home Loans. I am filing this additional complaint to document CMG 's formal denial response dated XX/XX/year>, address the material omissions in that response, and provide additional evidence that was not available at the time of prior filings. BACKGROUND SUMMARY I am a borrower on an FHA loan for a new construction home in Pennsylvania. My loan officer was XXXX XXXX, Vice President and Branch XXXX at CMG Home Loans XXXX PA ( NMLS # XXXX ). On XX/XX/year>, a member of his team sent me written float-down rate options including 4.75 %, with exact language : " Please let me know if you'd like to move forward with either of these options today or continue to wait on the float down. '' No deadline was communicated and waiting was explicitly offered as a valid option. I closed at 4.99 % on XX/XX/year> after a documented communication failure by CMG 's team.…

am disputing the accuracy and consistency of the credit reporting for my mortgage account following a forbearance period. While the servicer states that the account became 180 days past due after the forbearance ended, this does not align with how the account was being reported prior to XX/XX/year>. Up until XX/XX/year>, the account was reporting in a different status and did not reflect a 180-day delinquency. The sudden change in reporting on XX/XX/year>, without any new missed payments or material change in account activity, raises serious concerns regarding the accuracy and consistency of the reporting. Under the Fair Credit Reporting Act, furnishers are required not only to report accurate information, but also to ensure that reporting is complete and consistent over time. A retroactive change that significantly worsens the account status without clear justification may constitute inaccurate or misleading reporting.…

Since XX/XX/year>, I have reached out to my mortgage company ( CMG ) to remove my PMI from my account 4 times by the CMG portal and have spoken to different representatives more than 3 times. Each time, they have directed me to try different things but they have all been unsuccessful in removing my PMI. From the what representatives have informed me, they will not remove the PMI due to my loan not reaching 80 % of the original LOAN amount, even though my appraisal amount was higher and has now been paid past the 80 % amount. They are refusing to acknowledge my appraisal amount, even though their website, dashboard and documents all say they go off of the original APPRAISAL amount, not original loan amount. I also believe, from what I have read, they are required by regulation to go based on the appraisal amount. Please let me know if you can help with this, thank you.

I am filing this complaint against XXXX XXXX for a documented pattern of unresponsiveness through their secure messaging portal, retaliatory phone contact resulting in unreimbursed international calling costs, supervisor obstruction, and systematic failure to provide substantive written responses except when formal regulatory complaints are filed. I am a XXXX XXXX XXXX XXXX XXXX currently stationed XXXX Due to my XXXX, I am limited to written communication and can not conduct loan servicing business by phone. I have communicated this limitation repeatedly and in writing through XXXX secure messaging portal. The following is a documented chronology of XXXX conduct : XX/XX/year> : Despite repeated written instructions requiring all communication to be conducted in writing through the secure messaging portal, a CMG XXXX named XXXX placed an unsolicited phone call to my international mobile number. My carrier, XXXX, charges {$3.00} per minute for international calls.…

I request that the CFPB investigate XXXX XXXX training adequacy for offshore personnel handling servicemember accounts ; require XXXX to establish and disclose a secure domestic-only electronic submission channel for XXXX documentation with written confirmation of access restrictions ; assess whether the three-month deferment processing delay constitutes a violation of 50 U.S.C. 3953, 12 C.F.R. 1024.38, and the California Military Families Relief Act ; and consider this complaint in the context of XXXX broader pattern of conduct documented across multiple prior regulatory filings

This complaint concerns the repeated use of a fictitious or misleading signature in official CFPB complaint responses by CMG Financial. Across multiple responses, correspondence has been signed by XXXX XXXX, XXXX XXXX XXXX. Based on publicly available records, no individual by this name exists at CMG Financial in this role. The actual employee holding this title appears to be XXXX XXXX. The consistent use of an obscured or unverifiable identity in federally regulated complaint responses prevents the borrower from confirming who is accountable for the content of those responses and undermines the integrity of the CFPB complaint process. This practice violates 12 C.F.R. 1024.35 and 1024.38, which require servicers to respond accurately and maintain truthful records, and constitutes a deceptive act or practice under the Dodd-Frank Acts UDAAP provisions. CMGs prior response to this complaint ( Case No.…

I am submitting this complaint because my mortgage servicer, CMG Financial, has repeatedly refused to accept my mortgage payments and has incorrectly reported my account as delinquent despite my attempts to pay. Since XX/XX/XXXX, I have experienced ongoing servicing problems with my mortgage account, including difficulty making payments and inconsistent handling of my account. I have contacted the company multiple times by phone and through dashboard messages and have attempted to resolve this issue through their customer service department, but the problem has not been corrected. On XX/XX/XXXX, I made a payment by telephone in the amount of {$1400.00} following instructions provided during a recorded phone call with a company representative named XXXX. During that call, I was told that prior errors with my account had been corrected and that my payment would be applied to make my account current with no late fee penalties. XX/XX/XXXX was to be my next payment due at {$1200.00}.…

I am an active-duty XXXX XXXX XXXX currently XXXX overseas in XXXX, XXXX. My mortgage account is subserviced by XXXX XXXX on behalf of CMG Financial ( NMLS # XXXX ). This complaint supplements my prior CFPB complaints # XXXX, # XXXX, and # XXXX and reports a sixth unauthorized call received today, XXXX XXXX, 2026, as well as a pattern of retaliatory phone contact and misrepresentation of company affiliation by XXXX XXXX representatives. On XXXX XXXX, XXXX at approximately XXXX PM XXXX XXXX XXXX, a representative named XXXX called my mobile telephone number from XXXX ( XXXX ) XXXX. I recorded this call in its entirety. During the call I immediately informed the representative that CMG Financial and XXXX XXXX are on a formal do not call list and that the call would be submitted to the CFPB as a telecommunications violation. The representative acknowledged the call was a callback on the loan.…

I am an XXXX XXXX XXXX XXXX currently XXXX XXXX in XXXX, XXXX. My mortgage account is subserviced by XXXX XXXX on behalf of CMG Financial ( XXXX # XXXX ). This complaint supplements prior CFPB complaints # XXXX, # XXXX, and # XXXX. Upon conducting a holistic review of my mobile phone records, I identified three additional calls placed by XXXX XXXX to my mobile number that I had not previously captured in my prior complaints. I am submitting this as a standalone complaint to ensure the full scope of XXXX XXXX TCPA violations is documented in the record. XXXX XXXX is my mortgage subservicer, operating on behalf of CMG Financial. XXXX XXXX has an established federal record of this exact conduct. It paid {$710000.00} to settle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case XXXX XXXX XXXX ( XXXX XXXX. ), a federal TCPA class action for placing calls to mobile numbers after revocation of consent, which received final court approval on XX/XX/XXXX.…

I am an XXXX XXXX XXXX XXXX currently XXXX overseas in XXXX, XXXX. My mortgage account is subserviced by XXXX XXXX on behalf of CMG Financial ( XXXX XXXX XXXXXXXX ). This complaint supplements my prior CFPB complaints XXXX XXXXXXXX and XXXX XXXXXXXX and addresses XXXX XXXX repeated placement of phone calls to my mobile number after explicit, documented, written revocation of consent, in violation of the Telephone Consumer Protection Act, XXXX XXXX XXXX et seq., and the CFPBs authority to enforce unfair, deceptive, and abusive acts or practices under XXXX XXXX. XXXX. On XX/XX/XXXX, I submitted a written message through the loan servicing portal explicitly stating that I do not receive reimbursement for international calling fees due to my overseas XXXX and requesting that all communication be provided in writing only. I reiterated this instruction again in a written portal message on XX/XX/XXXX.…

* * Subject : Complaint Regarding Failure to Process Short Sale Offers in a Timely Manner Resulting in Financial and Emotional Harm * * I am filing a formal complaint against CMG Mortgage regarding repeated delays and failure to properly process short sale offers on my VA-backed mortgage. In XX/XX/year>, I experienced the loss of my spouse, which required me to vacate the home due to financial hardship. Since that time, I have made consistent, good faith efforts to resolve the mortgage through a short sale. I have a wonderful Realtor who is putting in as much effort and spending more time than should be expected. Multiple purchase offers have been submitted on the property located at XXXX XXXX XXXX, XXXX, TX XXXX. However, CMG Mortgage has consistently taken * * over 30 days * * to review and respond to each submitted offer. As a direct result of these excessive delays, potential buyers have withdrawn their offers and moved on.…

On XXXX XXXX I received a letter from state auto for a notice of non renewal for my home owners policy. It was going into effect on XXXX XXXX. I then singed a contract with XXXX XXXX by XXXX on XX/XX/XXXX for {$3400.00}. My mortgage company Cmg paid this policy on XX/XX/XXXX. I received a letter on XX/XX/XXXX acknowledging that they paid this policy on my behalf for {$3400.00}, and it was effective immediately on XX/XX/XXXX. The following day, XX/XX/XXXX I contacted XXXX insurance who normally handled my insurance policies. I declined their homeowners policy with XXXX XXXX for {$11000.00}. I sent them a message via XXXX that there was no way in XXXX I would ever sign a policy so grossly overpriced. I will attached the XXXX document stating I cancelled this policy on XX/XX/XXXX. XXXX paid the {$11000.00} policy! I already had a homeowners policy in place, and the non-renewal wasnt supposed to go into effect until XX/XX/XXXX.…

I am refiling this complaint ( original # XXXX, filed XX/XX/year> ) with significant new evidence : on XX/XX/year>, XXXX 's compliance team accidentally forwarded me their internal email chain regarding my complaint. That chain reveals the following, in XXXX 's own words : XXXX XXXX, EVP Head of Retail Sales ( NMLS XXXX ), wrote internally : " I'm not willing to give him a written and formal acknowledgement of how he was wronged, particularly when we don't agree and an acknowledgement exposes us legally. '' XXXX also stated a willingness to pay up to {$5000.00} to resolve the complaint, but explicitly conditioned any settlement on me signing a hold harmless agreement and ceasing all complaint filings and public reviews a direct attempt to suppress regulatory complaints.…

I hold a XXXX mortgage serviced by CMG Financial and subserviced by XXXX XXXX XXXX I am an XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and unable to communicate by telephone. All servicing matters must be handled in writing. XXXX XXXX has a documented history of blocking and mishandling principal curtailment payments on this account. In XX/XX/XXXX, I submitted an additional principal-only payment that XXXX held in suspense rather than applying as directed. The effective date of that payment was subsequently shifted without my authorization. XXXX has also repeatedly blocked my online portal access for principal-only payments, offering shifting and contradictory written justifications each time I have raised the issue. These actions violate 38 C.F.R. 36.4323 and VA XXXX XXXX, which protect a VA borrower 's unconditional right to make additional principal payments at any time without penalty, condition, or restriction.…

This formal complaint details a pattern of retaliatory conduct and a willful failure by my mortgage servicer, XXXX XXXX XXXX XXXX XXXX provide reasonable accommodation for my status as a XXXX, active-duty servicemember. On XX/XX/XXXX, at approximately XXXX PM Central XXXX Time, I received a phone call from a representative named " XXXX '' from CMG Financial. She informed me that to receive any further assistance with my multiple, long-standing, and well-documented complaints, I am now required to personally call their " XXXX XXXX XXXX. '' This demand is a deliberate and bad-faith tactic to obstruct resolution, as it completely ignores the sixteen separate occasions on which I have explicitly notified the servicer in writing that I can not make or receive international phone calls due to my military XXXX and the significant personal expense involved. This servicer 's refusal to communicate in writing is not a new issue ; it is a documented, eight-month pattern of non-compliance.…

My homeowner 's insurance is supposed to be paid from an escrow account, but it was never paid. The website for the mortgage company says it's scheduled to be paid XX/XX/year> ( it was due XX/XX/XXXX ) but it's now XX/XX/XXXX and I just had to start a new insurance policy since this one expired from non-payment, and had to pay it out of pocket. I have tried contacting the mortgage company but all phone numbers go to an automated line that just takes payments and gives out canned information. It says my escrow account was paid, but it was not. I can not get any more details than this becuase I can't find a way to talk to a human being.

I am a XXXX active-duty servicemember stationed overseas in XXXX. My mortgage servicer, CMG Financial ( subserviced by XXXX XXXX ), has repeatedly called me by phone despite my written instructions on multiple occasions that I can not accept phone calls without incurring unreimbursed international calling fees, and that all communication must be provided in writing through XXXX 's secure message portal. On XX/XX/XXXX, I submitted a written message through XXXX 's portal explicitly stating that I do not receive reimbursement for international calling fees and requesting written communication only. I reiterated this instruction again in a written message on XX/XX/XXXX. Despite this, a XXXX representative named XXXX called me at XXXX ( XXXX ) XXXX on XX/XX/XXXX at approximately XXXX PM CET. The call lasted approximately XXXX seconds, during which I again informed the representative that I incur international calling fees and can not accept phone calls.…

I am writing to formally request the removal of the XXXX ( impound ) account associated with my mortgage, effective immediately. I previously requested this action on XXXX, and XX/XX/XXXX, and XX/XX/XXXX and was notified of a denial due to accusation of late mortgage payments in XXXX of XXXX and XXXX of XXXX. Based on a review of my account and submitted documentation to CMG Financial, I believe I am eligible for an escrow waiver, and I am prepared to take responsibility for the direct payment of property taxes and homeowners insurance. Grounds for Request : 1. Equity Position : My current loan-to-value ( LTV ) ratio is 57 %, which is below the 80 % threshold, based on the original appraisal amount of {$840000.00}. 2. Payment History : I have a stellar payment history with no delinquent payments over the 6-year life of my loan, as documented by my credit report provided to you on XX/XX/XXXX with no late payments reflected.…

On XX/XX/XXXX, XXXX XXXX disbursed {$4000.00} from my escrow account to the XXXX XXXX XXXX XXXX Collector as part of a bulk tax payment. Because XXXX did not provide me confirmation, proof of payment, or any written notice that this disbursement had been made, and because the countys public records continued to show my tax installment as unpaid for more than ten days following Cenlars alleged payment, I was forced to pay the same {$4000.00} directly to XXXX XXXX on XX/XX/XXXX, to prevent delinquency and protect my VA-guaranteed property from lien risk XXXX On XX/XX/XXXX, I filed a formal CFPB complaint regarding this duplicate payment and XXXX failure to provide proof that its disbursement had been received and applied by the county. In XXXX XXXX XX/XX/XXXX response to CFPB XXXX XXXX. XXXX, CMG acknowledged that the county applied my personal payment first, that CMGs disbursement was therefore a duplicate, and that CMG had requested a refund from the county.…

During the course of my CFPB complaints, I have repeatedly received correspondence signed by XXXX XXXX, XXXX Resolution Analyst. Based on publicly available records, this person does not appear to exist, and the actual employee holding this title is XXXX XXXX. The consistent use of an incorrect or misleading signature in official responses obscures the identity and accountability of the individual responsible for handling my complaints and undermines the accuracy and integrity of the companys communications. This conduct violates federal mortgage servicing requirements under 12 C.F.R. 1024.35 and 1024.38, which mandate that servicers acknowledge Notices of Error promptly, respond accurately, and maintain clear and truthful records.…

I am filing this complaint against CMG Financial and its subservicer XXXX XXXX regarding the improper handling of a principal-only curtailment payment submitted on XX/XX/year>, in connection with my VA-guaranteed mortgage XXXX, FACTS On XX/XX/year>, I submitted a principal-only curtailment of {$3000.00} through the XXXX XXXX borrower portal. The payment posted with an effective date of XX/XX/year>, as confirmed by my transaction history. On XX/XX/year>, XXXX reversed the payment, coding it as Misapplied Funds, and placed the {$3000.00} along with {$310.00} in escrow funds into a suspense account, resulting in a total suspense balance of {$3300.00}. No explanation for the reversal was provided to me in writing at that time. The {$3000.00} principal curtailment sat in the suspense account from XX/XX/XXXX through XX/XX/year>, a period of XXXX days.…

I submitted my XX/XX/XXXXmilitary orders to CMG in XX/XX/XXXX5. CMG confirmed receipt and updated my loan under the Servicemembers Civil Relief Act. On XX/XX/XXXX, I submitted a deferment request via secured email. CMGs agent acknowledged receipt on XX/XX/XXXX, and requested additional documentation. I provided my military orders the same day. CMGs own response to Case XXXX, dated XX/XX/XXXX, acknowledged that the additional documentation requested was not required under the guidelines for a California Deferment , and that this caused a delay in processing. CMGs deferment approval was granted XX/XX/XXXX, effective XX/XX/XXXX through XX/XX/XXXX, covering principal and interest payments for that entire period. XXXX confirmed in writing that updates would be provided via secure email due to my inability to receive telephone calls during XXXX.…

I am an active-duty servicemember deployed overseas with a VA-guaranteed mortgage serviced by CMG Financial ( subserviced XXXX XXXX XXXX ). Since XX/XX/year>, I have filed XXXX CFPB complaints documenting repeated servicing failures including blocked principal-only payment access, an unauthorized insurance substitution, and an unresolved escrow dispute. That averages roughly XXXX complaints per month over 8 months, an unsustainable burden for any borrower and an unreasonable one for a deployed servicemember with limited telecommunications access. CMG provided contact information for XXXX XXXX, VP of XXXX XXXX XXXX XXXX ( XXXX ), but XXXX XXXX has acknowledged he lacks direct account authority because Cenlar controls day-to-day servicing. He is an intermediary, not a resolution contact, and my complaint volume has not decreased. Under 38 C.F.R.…

In claim XXXX I initiated on XX/XX/XXXX and was unable to pay my principal payment due to a block on my account. I was able to initiate the payment 30 days later on XX/XX/XXXX. I request that CMG backdate my principal payment to an effective date of XX/XX/XXXX.

I am filing a complaint regarding a serious data handling and servicing issue involving my mortgage servicer, CMG Home Loans. For several months, I have been attempting to correct inaccuracies on my Form XXXX ( XXXX XXXX XXXX ). Despite repeated outreach, the company failed to provide a correct form in a timely manner. On or about early XX/XX/year>, while attempting to resolve this issue, the company sent me a Form XXXX belonging to another borrower. This document contained that individuals non-public personal financial information, including full name, property address, loan number, loan balance, mortgage interest information, and the last XXXX digits of their Social Security number. This constitutes an improper disclosure of sensitive financial information to an unauthorized party. I raised this issue immediately with the company. In their response, they characterized the incident as human error and stated that it occurred outside of their standard processes.…

I closed on my house on XXXX XXXX XXXX and paid my XXXX payments ahead of time to CMG mortgage. They sold the loan to click and close. I have told the new company that my payment due date is wrong and provided screen shots multiple times. They have not corrected a thing. My next due date ought to be XX/XX/year> not XX/XX/year>. I've mailed the XXXX payment to them XXXX weeks ago and that isn't applied. Cmg shows that they sent the escrow and payments to click and close. I feel like they have XXXX interest in fixing anything.

I am an XXXX XXXX currently XXXX overseas. CMG Financial, my mortgage servicer for VA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has no effective means of communicating with XXXX servicemembers and has made no effort to create one despite my repeated formal requests. Every substantive request I submit in writing is deflected with a form response directing me to call XXXX. CMG refuses to resolve any issues through the written secure message system I am using to contact them, despite my explicit and repeated written requests for written responses. When I submitted a formal written request regarding an escrow insurance substitution, CMG directed me to a third-party company rather than responding as my loan servicer. I explicitly asked CMG to answer as my servicer. They did not. I am XXXX overseas, and calling a U.S. number requires international dialing at significant personal expense. CMG is aware of this and refuses to reimburse these fees.…

I applied for a mortgage loan through CMG Home Loans to purchase a home located at XXXX XXXX XXXX, XXXX, TX XXXX. The bank neither approved nor denied my application and failed to provide a formal denial letter as required under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( d ) ( 2 ). I sent a formal written request for an adverse action notice on XX/XX/year>, addressed to XXXX XXXX at CMG Home Loans. Despite multiple follow-ups, I have not received any official response. The bank also requested irrelevant immigration documentation from my attorney, which my legal counsel advised not to provide. According to XXXXCOA and the Fair Housing Act, lenders can not request immigration-related information if it is not directly relevant to creditworthiness. As a result of their refusal to issue a denial letter, I have been unable to recover my XXXX money deposit from the home purchase contract, placing me in financial and legal hardship.…