Complaints

This profile includes complaints for Idaho Housing And Finance Association's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Idaho Housing And Finance Association

  565 W Myrtle St Boise, ID 83702-7675

  
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  Idaho Housing And Finance Association

  PO Box 7899 Boise, ID 83707-1899

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:09/13/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I initially requested the Covid-19 forbearance plan on August 18, 2020. I contacted ************ (Idaho Housing And Finance Association) on February 25, 2021 and requested to be removed from the forbearance plan, and resume making her monthly payments. It took multiple calls to try to get my request processed which was not until April 2021 that i finally got someone to process the request. I started making my regular payments starting May 2021. Fast forward to January 2022, I got letters which i initially thought was fraudulent since I already had the forbearance deferral processed on the call. I do not understand why it would take 8 months to process a deferral request. They also cancelled my insurance and took my autopayment capabilities away. In addition, I started getting intimidating letters that are threatening foreclosure. Additionally, I am being charged late fees and my delinquent payments have been reported on my credit. My loan was current at the time I was approved for forbearance, and I have resumed making payments for over a year so I am not supposed to be charged late fees per the CARES Act on the deferred balance. When I noticed a late fee and other random fee on my July statement and called on August 15th to inquire why that is the case. I was told that the fees was as a result of the not signing the letter which i responded that i do not see the reason why i needed to sign a letter since this was not a loan modification and I am not comfortable signing any document outside of my original loan documents. After numerous back and forth and threatening to foreclose on my property, the lady on the call said the forbearance will be reinstated, the issue will be corrected and late fees taken off the account. It was also my understanding that the CARES ACT forbearance plan does not require additional documents signed. I reluctantly sent the signed letter on August 23rd which they received and now they are claiming that the letter expired

  

  Business Response

  Date: 09/27/2022

  To protect our customer's privacy, we cannot discuss the specifics of this situation in a public forum. However, our customer support team has been working with her since July 1, 2021 to resolve her concerns. If she would like additional help, we encourage ************ to contact our HUD-certified loan counselors to discuss her loan and her options at **************.

  Customer Answer

  Date: 09/27/2022

   
  Complaint: 18022316
  
  I am rejecting this response because:

  First and foremost, you have not been working with me since July 1st (Again just shows how you lie). As a matter of fact, I reached out to you August 5th after you started adding ridiculous fees to my account and you have been nothing but unhelpful, unprofessional and to add on top of it, you are very unethical.  I have attached all the correspondence in the attached which shows how you have not been cooperating. Now I intend to take the company down the ringer and expose all your predatory ways. I can handle situations like these because I work in regulatory compliance, and I just feel sorry for other folks that feel helpless after dealing with these folks. This is why people get screwed up financially because companies like your do nothing but take advantage of people. You are hiding under a government housing agency/association so you don't have the type of regulatory scrutiny that other financial institutions have to abide by and you feel you can do whatever you want.  You picked the wrong person to mess with. My goal is to expose this company and I will not stop until you go through an investigation for unlawful practices. If you are having difficulty with this company, make sure you report them to all regulatory agencies out there and do a company search on the internet. 

  
  You are still reporting my account incorrectly to the credit bureaus since the fact was that deferred amount should not be reflected as delinquent per the CARES ACT and you have decided to add additional incorrect information as a form of retaliation. Go and explain why you refused to reflect payments that I made from October 2021 correctly which you added to my credit files on 9/25/2022 (and that immediately proved you were retaliating because I am calling out your unethical ways). You are reflecting incorrect amount in addition to not reporting payments in some months. You are also not adding my excess payments to the principal rather you are putting in a suspense account which is completely illegal. You have certainly opened a can of worms. ******** getting out of it.
  
  Sincerely,
  
  ***** **

  

  Business Response

  Date: 10/19/2022

  We appreciate your concerns, but it's important to understand that we cannot discuss your situation in a public forum. We can, however, assure you that ************ adheres to strict, ethical business practices. Our customer support team has worked with you on multiple occasions and has resolved your concerns.

  Customer Answer

  Date: 10/24/2022

   
  Complaint: 18022316
  
  I am rejecting this response because: Issue has not been fully resolved. Still reporting inaccuracies on my credit report even though they claim that would be corrected once the forbearance plan is processed and we are now a month past that and the inaccuracies on the credit report are still being reported. They have refused to update with September info. This company lies all around. 
  
  Sincerely,
  
  ***** Aj

  

  Business Response

  Date: 10/28/2022

  Again, to protect this customer's privacy, we cannot discuss details of the situation in a public forum. To be clear, there are no inaccuracies in our reporting. As a courtesy, we will request a one-time adjustment to her September credit report. It could take up to 90 days for this change to be reflected on credit reports.