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Complaint Details
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Initial Complaint
07/22/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Account number: ********************************** Mortgage Loan)I attempted to make two ACH mortgage payments in the amount of f $2,162.36 on May 30th, 2022 and $2,162.36 on July 01, 2022. I learned recently that none of the payments went through. Me and Collections supervisor *********************** confirmed that I entered correct Chase account and routing number to make these payments. After I confirmed correct account/routing, manager looked into this issue more and told me that my bank Chase "has rejected the payments collected by Northpointe". I called Chase and representative did not see any inquiries from Northpointe Bank attempting to collect these mortgage payments. There is no proof from bank that these payments were rejected. Now they have marked me late >30 days and reported to credit collections, even though both payments were made on time and none of the payments were attempted by Northpointe to be collected. Northpointe is refusing to clear my credit history even though I made both payments on time. They blaming Chase for rejecting payments, but Chase has no records of these payments, or any inquiry from Northpointe, any rejection history of why payments did no go through. Payments did not go through due to Northpointe having issue with ACH and they do not want to admit to it. They putting all the blame to Chase or the Customer. This has never happened to me in 20 years of banking with multiple banks. **************** is terrible at ********************** and they do not care that fault is not of the customers f and they are not trying to help resolve this issue. I talked to several Northpointe representatives and they try to put all the blame on the customer even though there is record of my payments. Very unhappy how they handle business.
Business response
08/04/2022
Northpointe Bank acknowledges the concerns brought to our attention by our customer, ***********************************, regarding her mortgage loan account. We have thoroughly researched the concerns expressed and prepared a detailed written response, which was mailed to her on August 4, 2022.Initial Complaint
07/21/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I've been making my payments online for my mortgage through the northpointe bank website, and I've been essentially locked out of making payments through my bank. ACH payments through banks do not have fees associated with them. I've been having to make payments with fees associated. I've tried for a while now to get this fixed and it seems like nobody seems to know how, Also, their agents are just as rude as they are ignorant and unintelligent.Business response
08/01/2022
Northpointe Bank acknowledges the concerns brought to our attention by our customer, ***********************************, regarding a mortgage loan account. We have thoroughly researched the concerns expressed and prepared a detailed written response, which was mailed on August 1, 2022.Initial Complaint
05/20/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
My home loan was sold by Pennymac to Northpointe Bank out of ********. This complaint is associated with a mistake on my escrow account that Northpointe Bank made. My initial total mortgage payment including escrow was a little over $1000 per month. During the assessment period in 2021 they assessed my new payment to $787 per month (to include escrow) plus they sent me a refund check for over payment on my escrow of about $2500. I knew this was wrong, so I called to correct this with them. They assured me that it was correct, that they would reassess the account and call me back if there was a mistake. I got no call. I decided to put away an additional $125 per month into escrow because I knew my taxes had gone up. I called at least another 2 times to discuss the problem with Northpointe Bank and they assured me the calculation wasn't an error. I know that Northpointe Bank records it's calls, so they should have record of me calling multiple times. Today I learned that my mortgage payment was increased nearly $500 per month because I am in a deficit. My new payment per month is $1374.85. I received no letters or invoices via **** or through an electronic source to make a payment to bring me into the clear on my escrow. I am now being told my deficit is more than $4,000!!!! They are saying they can spread the deficit into a 36 month period so I can pay it off. This is insane. I have to get in debt more to pay off a mistake they made? I can't afford this. I'd prefer they allow me to pay the deficit and reassess my escrow, or drop my escrow altogether. They have denied my request to drop the escrow. I'm very close to 80% loan value.Business response
06/06/2022
Northpointe Bank acknowledges the concerns brought to our attention by our customer, ******************************, regarding her mortgage loan. We have thoroughly researched the concerns she expressed and prepared a detailed written response, which was mailed to her on June 6, 2022.Initial Complaint
04/29/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I applied for and funded a checking account, but NorthPointe bank never granted me online access to my account, they incorrectly identified my mailing address and as I result I never received required disclosures, checks, or a debit card for the newly opened account. When I telephoned to request closure of the account, they informed me that there would be fees for a cashiers check to be mailed in addition to an early account closure fee.Business response
05/11/2022
Northpointe Bank acknowledges the concerns brought to our attention by our customer, ***************************************, regarding a deposit account. We have thoroughly researched the concerns he expressed and prepared a detailed written response, which was mailed to him on May 11, 2022.Initial Complaint
04/07/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have had a mortgage with Northpointe for 4 years with a fixed apr and my payments change every year by over $200 a month up or down, they blame it on my escrow account but taxes and insurance remain the same as when we started this mortgage, I have asked to manage my escrow myself because what family can budget for $200 /mo change in payments because there was a mistake with the escrow department , they want to charge me to do it myselfBusiness response
04/18/2022
Northpointe Bank acknowledges the concerns brought to our attention by our customer, *****************, regarding his mortgage loan. We have thoroughly researched the concerns he expressed and prepared a detailed written response, which was mailed to him on April 18, 2022.Customer response
04/25/2022
Complaint: 16994418
I am rejecting this response because: I still have not received the remainder of my escrow account balance , or any explanation what will be happening to it , my escrow account should hold $1,690.48 , please show me where this is at or where it went
Sincerely,
*****************Business response
05/05/2022
Northpointe Bank acknowledges the supplemental concerns brought to our attention by our customer, *****************, regarding his mortgage loan. We have thoroughly researched the concerns he expressed and prepared a detailed written response, which was mailed to him on May 5, 2022.Initial Complaint
03/15/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have tried to resolve miscalculated loan payments since November of 2021. Numourous phone calls and emails caused me to waste so much of my time.My loan was transferred to them from a different company and during the process, what it should have been a transparent transaction but instead part of escrow fund was not moved from one to another. Northpointe informed me of shortage on escrow account after 10 months and informed me of new payment increase. They couldnt figure it out why my accounts did not have enough funds instead I had to research myself and contact the previous company and retrieve the money to make escrow payoff.Ever since then, I had over 30 credits and withdrawals made through my accounts with false amounts. They posted wrong amounts in my account in every wrong way and also.they couldnt figure it out. I had contact them via phone, email but can not get hold of anyone from the actual mortage ***** They would only response back after 2-3weeks later. I had to do the full 1 year worth of mortage payment calculation to figure it out since they werent competent to resolve it and finally fixed it but found out my escrow payments were increasing again eventhough I should have over **** sitting in there all of a sudden amount disappeared. As if instead of using proper calculation, they were trying to make numbers posting in and out over 30. Now for the 3rd time, I just found out that after paying 3 months of my interest YTD is only showing 1 month worth and it is now March.I need to know who is auditing this company if this transactions are posting in and out with random amount as if they are trying make the number. Why is this company not being audited properly? If it wasnt for my financial background and research, I would have lost thousands of money 3x in a row. I need someone from mortage dpt to resolve the issue. How can I trust my mortage w a such company.Business response
03/29/2022
Northpointe Bank acknowledges the concerns brought to our attention by our customer, ***************, regarding a mortgage loan. We have thoroughly researched the concerns expressed and prepared a detailed written response, which was mailed on March 29, 2022.Initial Complaint
03/12/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I pur*****d my first home in July 2021. My loan was originally through ********** but they sold my loan to Northpointe Bank Nov 12, 2021. I had already made my Nov mortgage payment to ***** on Oct 29th in the total of $1,373.33 A few days later I start receiving calls from an unknown company by the name of Northpointe bank saying Im late on my mortgage. I made them aware I made my payment to ***** and they needed to work together to get it corrected. Every month since November it shows I am a month behind when I have made every payment on time. On top of late fees and hours on the phone they are now reporting me late to the credit agencies and my credit score has now dropped over 120 points. I have tried endlessly to get this corrected and no one wants to help. I have even had them on 3way and northpointe disconnected the call. I am being told several different things such as ***** needs to refund me so I can make the payment, then dispute the things on my credit score. Then I am being told ***** already transferred them the money. Either way I am still the only one suffering from their lack of accountability. Please help. Northpointe bank loan #********************************************************************** ********** is also at fault here but seems to have been trying to help more than NorthPointe BankBusiness response
03/24/2022
Northpointe Bank acknowledges the concerns brought to our attention by our customer, ***************************, regarding her mortgage loan. We have thoroughly researched the concerns she expressed and prepared a detailed written response, which was mailed to her on March 24, 2022.Initial Complaint
02/17/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
In November 2021, our mortgage payment increased slightly due to an escrow shortage. Unfortunately we never received notice of this change from Northpointe. I have our payment set up with our online banking system to go out automatically each month so it is always on time. I received a call from the bank in January. Unfortunately, when you answer a call from them, no on is on the line - you get a garbled recording telling you to call them back which I did. I spoke with a representative, figured out the problem, paid the small deficit, including a late charge and was told all was well. I later realized they'd reported this as a missed mortgage payment to the various credit bureaus which caused an enormous drop in credit scores for myself and my spouse. My **** dropped from 847 to 683 in one day and is now hovering in the low 700's. I attempted to call their service agents, but was told in no uncertain terms that they could do nothing and would do nothing. I was told to dispute it directly with the credit bureaus. We filed 6 total disputes - one each for my husband and me with each of the three bureaus. Northpointe rejected the disputes and would not correct the reporting. I attempted to call again today and was horrified when their automated phone system seemed to patch me in on a call between an agent and customer talking about their loan, closing dates and financial information. I could hear everything clearly and it took several tries to press the appropriate button to be connected with a service agent for my issue. Of course I was told, as always, there were no managers available and I would have to wait for a call back. As of now, that has not happened.Business response
03/01/2022
Northpointe Bank acknowledges the concerns brought to our attention by our customer, ******* ******, regarding her mortgage loan. We have thoroughly researched the concerns she expressed and prepared a detailed written response, which was mailed to her on March 1, 2022.Initial Complaint
02/17/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This is a formal complaint against FD/NORTHPOINTE BANK located ********************************************************************. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the ***** Despite my efforts to resolve this unfortunate nightmare for several months now, FD/NORTHPOINTE BANK has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report.Business response
03/04/2022
Northpointe Bank acknowledges the concerns brought to our attention by our customer, *********************, regarding an application for a mortgage loan. We have thoroughly researched the concerns expressed and prepared a detailed written response, which was mailed on March 4, 2022.Initial Complaint
02/06/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I was in the process of refinancing my home with northpointe bank and my broker told us we wouldnt have a payment until 02/2022 he said you will not have to pay December and January house payment because our paper was all in and ready to go I called him on December 8th and he reassured me that everything was good and we wouldnt have a payment until February of 2022 so I went on vacation and when I returned we had a late payment on my credit report. I was supposed to purchase a house for my mother in March but now this will hold me back because it dropped my credit score and no one will want to finance me. I think this should be reversed and taken off my credit report so I can continue with my life. Please I need this off my credit report.Business response
02/25/2022
Northpointe Bank acknowledges the concerns brought to our attention by our customer, *******************, regarding his mortgage loan application. We have thoroughly researched the concerns he expressed and prepared a detailed written response, which was mailed to him on February 25, 2022.
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Get a QuoteCustomer Complaints Summary
48 total complaints in the last 3 years.
8 complaints closed in the last 12 months.