CrossCountry Mortgage LLC

I am the administrator of the estate of represented as the " Seller '' of the property in question, in XXXX XXXX TX. The lender for the buyer has now delayed closing for the XXXX time in order to prepare paperwork. As title signing requires a physical presence for signature. I have now used XXXX vacation days from my job to sign per contractual closing requirements. The day off, now for the XXXX time, the lender has delayed last minute, citing yet again for the XXXX time to get the paperwork in order. I work for a financial institution and have never seen delays like this before. I have wasted vacation days that I can not get back. This has been the most frustrating real estate transaction that I have ever experienced. The # XXXX amendment changing the closing date has been attached.

I have made multiple requests to cancel the PMI on my loan. I initially requested they cancel the PMI on my loan two years ago when my loan first reached 80 % XXXX and the refused to remove the PMI. They stated that they calculated XXXX based on the original purchase price. Their website indicates otherwise. And they are not required by law to do so, they can use the original appraised value which was higher than the purchase price. As of this month my XXXX is 78.7 % based on the original purchase price and they have failed to respond to my requests to remove the PMI. I have emailed multiple times, I have called and was promised a call back which did not happen and I submitted a request online.

We incurred an escrow shortage for tax year XXXX. Our mortgage increased {$1500.00} XX/XX/XXXX. This increase was without any advanced notice or thorough explanation. They just went ahead and increased the amount of the auto-payment. In XXXX ( don't have specific dates ) it looks 3 separate phone calls to speak with reps just to understand the numbers behind the shortage. It genuinely feels like their CSR 's are intentionally not trained so they can not be helpful. We were then able to increase the escrow repayment from 12 months to 36 months, which brought the monthly payment down {$770.00} per month. It feels like this is a conversation that needs to be had before they just start snatching more money without notice. This process was equally confusing, because the first rep I spoke to requesting the increased repayment period said she would note the file and someone would reach out ( never happened ).…

I HAVE CALLED AND TRIED TO RESOVE THIS SEVEAL TIMES AND. YOU CAN'T GET A STRAIGHT ANSWER. PEPOLE RAISE THEIR VOICE HANG UP ON YOU DONT WAN NA TALK TO YOU. THEY TALK DOWN TO YIU. THEN WHEN YOU GET SOME WHO ACTUALL WANT TO HELP YOU THEY DONT DO WHAT THEY SAY THERE GON NA DO. I HAVE SEVERAL RECOREDED CONVERSATION FROM SEVERERAL PEOPLE TELLING ME WHAT NEED TO HAPPEN. AND NOTHETHING IS EVER THE SAME THING. I MADE PAYMENT SET UP WITH YOUNG LADY BEFORE THIIS WENT TO FORCLOUSER. AND I HAVE THE CONVERSATIONTION RECORDED BUT CROSS COUNTRY DID NOT STAND BY IT. EVER TIME YOU TALK TO SOME NOBODY HAS A STRAIGHT ANSWER, YOU GET XXXX TALK. I STARED TO SEND PAYMENT TO PHYSCICAL ADDRESS THROUGH XXXX SO I HAVE DOCUMENTION.THAT THEY RECECIVED THEM BECAUSE THEY HAVE BEEN SIGNED FOR THE LAST TWO PAYMENT WERE SIGNED FOR BUT HAVE NOT BEEN PROCESSED. AGAIN, ME MY SELF HAVE SEVERAL CONCERSIONS RECORDED WHERE IVE TRIED TO SETTELE THIS.…

Had a change in insurance XXXX months ago, I have called them ( Cross Country Mortgage ) XXXX times and left a message with their front desk. They did cancel my previous insurance now they are changing me for the insurance part of the escrow when I have no insurance registered. My new insurance provider can not get ahold of them aswell and they want to cancel my policy. The mortgage was previously serviced by Rocket Mortgage now it is serviced by Cross Country Mortgage.

1.My title company XXXX XXXX requested loan payoff XX/XX/year> and never got a response. 2. I contacted the lender last Wednesday and requested that same payoff. The lender set a one day payoff that expired the next day. 3. I called and spoke with XXXX in corporate office and XXXX states a message will be left for the supervisor to fix the issue. I close soon and I need that payoff and not for one day.

I am submitting this complaint regarding the handling of a renovation loan disbursement by my mortgage company, Cross Country Mortgage involving a fraudulent wire diversion exceeding {$100000.00}. In XX/XX/year>, an unauthorized individual impersonated my contractor and provided altered payment instructions for a draw disbursement associated with my renovation loan. The mortgage company subsequently sent the funds to the fraudulent account. To my knowledge, the mortgage company did not independently verify the changed account information directly with the contractor prior to releasing the funds, despite the significant dollar amount involved and the known risks associated with wire fraud and contractor impersonation scams.…

I am a XXXX XXXX, XXXX XXXX XXXX XXXX homeowner, and landowner, as well as an active member of my community. I am a XXXX XXXX and XXXX XXXX participant, and I take pride in being a lawabiding, responsible citizen and taxpayer. I have consistently acted in good faith and maintained my obligations, including insurance coverage on my home. I do not deserve to be subjected to these improper and excessive charges. Being billed XXXX of dollars for a short alleged lapsewhen I had coverageis unconscionable and unjust. As a professional and community member, I am deeply concerned by these practices and the harm they have caused. I am requesting immediate action to correct this situation and protect my rights as a homeowner and consumer. I do not deserve to be subjected to these improper and excessive charges. Being billed XXXX of dollars for a very short alleged lapsewhen I had coverageis unconscionable and unfair.…

CFPB COMPLAINT CONTINUED PROPERTY PRESERVATION ACTIVITY AFTER PRIOR DISPUTE NOTICE Loan # : XXXX Property : XXXX XXXX XXXXXXXX XXXX XXXX Servicer : XXXX XXXX XXXX of new incident : XX/XX/year> Complaint Summary I am filing this complaint regarding continued property preservation, inspection, and/or servicing activity occurring on or about XX/XX/year>, despite prior dispute notice, prior CFPB complaint activity, and ongoing unresolved contradictions in the servicers occupancy determinations and authority to access the property. This activity occurred after the servicer was already placed on notice that I dispute : Occupancy classification ( vacant vs occupied determinations XXXX XXXX to enter the property Use of key lockbox/access systems XXXX XXXX XXXX actions XXXX access and property preservation activity. Despite this, servicing activity continued without resolution or clear proof of lawful authority. XXXX.…

I was approached and called by my mortgage lender XXXX XXXX with cross country mortgage about refinancing my home. She had told me the rates were much lower and that refinancing my home would be in good interest of me. She asked for information including paystubs mortgage statements etc. which I gave her. A few weeks later she again stated the interest rates of the home were way low and wanted to refinance my home. She wanted to move me to a conventional loan. She promised/stated my monthly payments would be lower by XXXX dollars. And that I would miss 2 mortgage payments.I had shared with her that I was XXXX and due in XXXX. She took advantage of that and promised me lower and missed payments on my mortgage. She made me pay for an appraisal which was {$1000.00} but promised I would be getting that money back along with another {$1800.00} at closing. A few weeks later she sent me what my monthly mortgage would be and the interest rates she wanted me to have.…

I am filing a complaint regarding the handling and communication of my cash-out refinance application with CrossCountry Mortgage. Timeline of events : * I began the refinance process on XX/XX/year>. * The appraisal was completed on XX/XX/year>. * I received a pre-approval on XX/XX/year>. * On XX/XX/year>, I was asked to provide additional documentation, which I submitted. * Since then, I have not received meaningful updates regarding the status of my loan despite the length of time involved in this process. My concerns are : * Lack of communication and transparency regarding the status of my refinance * Delays in underwriting or processing without explanation * Failure to provide clear timelines or outstanding conditions * Concern about whether my application is still active and whether any rate lock or loan terms have been negatively affected due to delays I am requesting : 1. A clear written explanation of the current status of my refinance application 2.…

In XXXX I applied for a mortgage loan modification due to a natural disaster. ( XXXX XXXX ) it was approved for the modification at {$1000.00} for XXXX trial payments. And i completed those payments using my home assistance funding provided to me by a third party organization that was included in the terms and conditions of my home loan when i first signed the loan documents. I was able to complete the trial payments successfully. I signed and notarized the documents required and I was denied at the very end because a unknown document was not received although all the documents were provided by a notary that was sent to me by cross country mortgage and returned by the notary agent the company provided. I had to redo the loan modification process again in XXXX when the modification was rejected with very short notice. I reached out to cross country mortgage and I was informed that I was being discriminated against because of my housing assistance payments.…

I have been reaching the company since XXXX about paying my property tax they told me they would pay about up until theyve been rude I have to pay my own property tax even tho I have escrow account with them I paid because I had letter saying if I dont pay by XX/XX/XXXX my lien would be sold

I requested a Broker Price Opinion to remove my PMI. It cost {$150.00} and I had to go with their company ( if I wanted an appraisal it would have been {$650.00} since I had to go with their company yet again ), so I went with the more affordable option. The person came out and took photos of my home and property and I emailed them all of the home improvements I had made : landscaping ( it was all dirt before ) including sprinklers, a cement patio and fencing, an additional bedroom upstairs, adding an exterior entrance into the basement, adding a mother-in-laws apartment in the basement ( bedroom, bathroom, and kitchen and living space ), extending the driveway and adding an RV pad. All of these additions added up to well over {$90000.00}. Then the BPO came back and the appraiser said my house was XXXX bedrooms and XXXX baths although my home is XXXX bedrooms and XXXX baths.…

This is my issue with the calculation from the Mortgage Company. I want to keep my home but the Mortgage Company will not hear my plea to calculate my monthly bill. Dear Loss Mitigation Department, I am writing to formally request a reconsideration of my recently approved loan modification. While I appreciate the approval and the effort to assist, the modified payment does not accurately reflect my full financial situation and is not sustainable based on my actual monthly obligations. At the time of review, my qualification appears to have been based primarily on business income from my Profit & Loss statement.…

CrossCountry Mortgage, later Mr. Cooper, and now XXXX XXXX has failed to process my partial release of property request despite receiving all requested documents months ago, including the plat, updated survey, legal descriptions, intended use statements, and processing fee. They acknowledged receiving all documents on XX/XX/2025. They previously told me the release would be completed by XX/XX/2025, but they missed this deadline and stopped providing updates. I have called repeatedly, emailed several times, and escalated the issue to their Executive Resolution Team, which never responded. Their inaction has caused me measurable financial harm because I have had to reject multiple offers from buyers waiting on the release. Because they did not respond, I mailed a formal RESPA Request for Information and Notice of Error to their designated complaint address XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX ).…

On cross-country mortgage website you are able to make a payment towards monthly dues, make additional payment and/or make payment to escrow. Every month I go on and make 2 different payment. Half mortgage on first paycheck and rest of mortgage on last pay check. First payment goes into " unapplied '' funds but deducts from my monthly dues. However, when i go to make last payment for the month their system automatically applies it to " additional principal '' even though I did NOT select additional principal payment but MAKE A PAYMENT towards my remaining monthly payment. I was told that I'll just have to keep calling every month to have them move the payment to the correct location instead of their system applying the payments as I am submitting them accordingly. They continually keep misapplying my funds and payments and pushing the extra responsibility on me every month to then call and get their systems mistakes fixed. This is NOT okay and I don't have time for this every month!…

I am filing a formal complaint regarding my mortgage loan with CrossCountry Mortgage, Loan Number XXXX, for the property located at XXXX XXXX XXXX, XXXX, NY XXXX. During the underwriting and pre-closing process, I was explicitly required to provide homeowners and flood insurance due to the propertys FEMA flood zone designation. I provided both policies, which were reviewed, accepted, and approved by the loan XXXX and underwriting department. Based on this approval, I proceeded to closing in good faith. Within 30 days after closing, my insurance broker was contacted by a representative from CrossCountry Mortgage ( XXXX XXXX ), requesting that my existing flood insurance policy be replaced with a significantly more expensive policy. My broker refused to make any changes without my authorization and advised that such a request after closing is improper.…

My ex husband XXXX XXXX entered into a payment arrangement to get current on the mortgage so that it is not foreclosed. That agreement included making three on-time payments and the mortgage would be back on track. Those payments occurred on XX/XX/year>, XX/XX/year>, and XX/XX/year>. The house needs to be sold as a condition of our divorce and we have a contempt hearing on XX/XX/year>. Today ( XX/XX/year> ) while trying to prepare the listing, his real estate agent found on the title report the notice of default and intent to auction. The payments that are posted for the last two months show unapplied funds for the payments. When he called Crosscountry Mortgage to find out what was going on, the account manager stated that she forgot to apply the payments and simply doesnt know what to do now that the loan is in default and she doesnt handle that. I have called to talk to someone and my information was taken and I was told I would be called back.…

Subject : Urgent Complaint - Lender-Induced Delinquency and Predatory Advice I am filing this complaint against CrossCountry Mortgage regarding an internal refinance. My CrossCountry Loan Officer, XXXX XXXX ( XXXX # XXXX ), explicitly instructed me not to make my XX/XX/year> mortgage payment because it would " roll into '' the new loan. On XX/XX/XXXX, I was informed that the refinance is delayed in CrossCountry 's underwriting. My account is now at risk of being reported as 30 days late to the credit bureaus on XX/XX/XXXX. This delinquency was entirely induced by the direct instructions of a CrossCountry employee. I contacted the billing department today ( to request a credit reporting suppression or a payment credit due to this internal error, but was told they " couldn't help. '' Since this is an internal refinance with CrossCountry, the company has full visibility into the underwriting delays that have prevented the loan from closing as originally scheduled by the loan officer.…

Short sale request was submitted XX/XX/year>. Multiple document submissions request over the last XXXX months, The XXXX XXXX was issued on XX/XX/year> however it was not provided to me untill XX/XX/year>. I am now being told it will take another 15 days to move forward with final approval due to an FHA rule, that rule does not exist. Also, my loan is serviced by Cross Country Mortgage however I recently learned that the negotiator for Cross Country actually works for XXXX XXXX I was never told of a servicing transfer or was XXXX XXXX involvement in the review of my personal information ever disclosed to me. Over XXXX months has passed and I am still no final decision even with the XXXX XXXX in hand. I do not even know who has all my personal information.

I called in to my mortgage lender Cross Country Mortgage follow up on a loan modification application on Friday XXXX XXXX XXXX XXXX XXXX, specifically, to confirm what the next steps would be to proceed with the application process as my spouse and I separated and the portal was requiring I complete elements on her behalf which I could not due to the separation and no ability to contact. The representative ( named XXXX ) proceeded to advise me that I could not proceed with the application unless my spouse signoff. She then proceeded to provide the rationale that this was due to AZ being a commonwealth state and her name being on the mortgage which would require me to file a Quit Claim deed to have her removed, and/or I refi the loan exclusively into my name.…

In XXXX of XXXX, I called cross country mortgage to setup a hardship because I was 2 months behind on our mortgage. The guy on the phone asked me a couple questions and said I would receive something in the mail if I was approved. Month goes by I never got anything but did get an email stating we were behind on our loan and needed to pay jt. So I called them and explained I applied for a hardship. The lady had no idea what was talking about on the phone. So she guided me on how to apply for hardship. Took about 2 weeks but we got it filled out, provided all the info they needed and we got approved. They sent us a packet and when we went to get it notarized, they sent it in my maiden name not married name. So had to contact cross country again to get them to change it. Months and months go by and they never changed it. We kept calling kept sending it proof of ID. On XX/XX/XXXX, finally got my name changed.…

I am filing this complaint regarding the mishandling, delay, and potential bad faith handling of insurance claim proceeds by my current mortgage servicer, CrossCountry Mortgage, following a fire loss to my home. My home was severely damaged by fire on XX/XX/year>, and an insurance claim was approved to fund the full restoration of the property. Since that time, my mortgage has been transferred among three servicers, with CrossCountry Mortgage now the third company to service this loan during the active rebuild process. Under the prior servicer, XXXX XXXX XXXX, I experienced significant delays and repeated attempts to stall the disbursement process. After months of delayplacing my family at serious risk of housing instabilitythey ultimately released approximately {$140000.00} in insurance proceeds after confirming and approving that the property had reached approximately 50 % completion.…

I requested a standard payoff statement for my loan from CrossCountry Mortgage, LLC. The company requires a {$25.00} expedited fee to provide the payoff statement via email or fax, regardless of whether expedited delivery is actually needed. The only free option offered is delivery by mail, which takes approximately 46 business days. I was not given the option to receive the payoff statement electronically without paying the fee, even if I was willing to wait. This practice effectively forces customers to pay for timely access to their own loan information and limits reasonable access to standard account documents.

I am asking that the loan be closed and that my money be returned.

This is in regard to a loan with CrossCountry Mortgage. On XX/XX/year> I started the process to cancel my flood insurance after FEMA declared that I am no longer in a flood zone. On XX/XX/XXXX I got a denial stating that I could not cancel my escrow due to owing greater than 80 % on the loan but I never asked to cancel my escrow just the flood insurance. I started the process of verification with CrossCountry Mortgage 's research department on XX/XX/XXXX to cancel the flood insurance sending all requesting information such as the new flood zone map and LMR. On feburary XXXX I received a response from cross country that I am no longer in a flood zone and XXXX cancel my flood insurance. On XX/XX/XXXX I canceled my flood insurance policy. XX/XX/XXXX I received a letter from cross country mortgage that they purchased a {$4000.00} flood insurance policy and charged {$630.00} already due to not having flood insurance on my home.…

I am submitting a complaint regarding CrossCountry Mortgages failure to disburse my property taxes from my escrow account following a servicing transfer, resulting in delinquent taxes and penalties. My mortgage servicing was transferred from XXXX XXXX to CrossCountry Mortgage in XX/XX/XXXX. Prior to the transfer, XXXX XXXX XXXX escrow analysis clearly indicated the estimated XXXX XXXX property taxes to be paid from my escrow account after transfer. However, CrossCountry Mortgage failed to make this disbursement. As a result, my property taxes in the amount of {$270.00} were not paid and became delinquent. I became aware of the issue on XX/XX/XXXX, when I received an overdue tax notice from the XXXX of XXXX XXXX. I immediately contacted CrossCountry Mortgage by phone the same day to report the issue and request guidance. Despite multiple follow-ups and providing complete documentation, CrossCountry Mortgage has failed to investigate or resolve the issue in a timely manner.…

This complaint is actually a continuation of complaint # XXXX. The reason I didn't continue with this complaint is Cross Country Mortgage had finally presented us with an acceptable loan modification agreement which we agreed to after the foreclosure. Our house was put up for sale at a Sheriff 's sale in XXXX of XXXX. No one bought it. Cross Country Mortgage bought it back for $ XXXX. we had purchased it for {$120000.00}. We subsequently agreed to a loan modification based on {$66000.00} at a XXXX year fixed rate of XXXX percent and agreed to pay {$610.00} for a trial 3 months, followed by a payment of $ XXXX for the remainder of the loan. We were supposed to receive confirmation paperwork last XXXX. It never came!! That is the reason for this complaint and the reason we never followed up the previous complaint as we thought it we got what we needed. Months go by with no communication.…

I called the mortgage company ( CrossCountry Mortgage ) ( XXXX XXXX ) the call went to another person and then another person. my problem is my payment has gone up by {$100.00} XX/XX/2026 and then another {$100.00} for XXXX XXXX i suspect over insurance coverage. Thank You XXXX XXXX ( XXXX ) XXXX