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Business Profile

Mortgage Banker

Mortgage Clearing Corporation
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BBB Accredited BusinessA+Rated by BBB

Complaints

This profile includes complaints for Mortgage Clearing Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 3 total complaints in the last 3 years.
    • 1 complaint closed in the last 12 months.

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    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.

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    • Initial Complaint

      Date:06/04/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      My mortgage payment is due on the 1st of each month and I have always paid in advance. I have tried for the last 3 days to make my house payment online like always, the website has been down. I just dont want my payment to be considered late and reflected on the credit report as late. I have always had a perfect payment history on my mortgage and I dont want this to mess it up. I also tried to call and leave a message at the company. Their answering machine said leave a message then was disconnected so I was not able to leave a message as to the issues in making my oaymenr

      Business Response

      Date: 06/10/2024

      This is a very good customer.  She is right that she always makes her payment on time or early.  We were down on Friday May 31st after the payments were cutoff at 2:00 thru Sunday at 12:00 PM as we were converting to a new servicing system program.  It is quite common for companies to be down for maintenance over the weekend.  If she had of called  us during office hours that we were open we would of helped her make her payment.  We could have done a check by phone without a fee for her.  Our new program will give our customers a lot more information  that they have been wanting.  There is no reason for her to make a complaint for this as it was for the customer's benefit and we are hardly ever down.  She has until the t6th to make her payment without a late charge and and a late payment is not reported until it is 30 days late so she should not have any worries about that.  The 1st was on on a Saturday and it would not have been posted anyway on a Saturday.  It would have been posted on Monday the 3rd - same way with the auto-drafts for the 1st would have posted on Monday the 3rd.

      Customer Answer

      Date: 06/10/2024

      664121855D7C4

      Customer Answer

      Date: 06/10/2024

      I am rejecting this response because:   664121855D7C4

      Business Response

      Date: 06/11/2024

      I don't know what the objection was to my response unless it was that she wants to be notified when our web site is up and running.  It is my understanding that it has been since Monday the 3rd.  I am going to send her an e-mail with my phone number so she can call me if she has any more problems.  I will always be glad to help her.  We do want to keep our customers happy.

       

       

      Customer Answer

      Date: 06/11/2024

      I am rejecting this response because:   
      I believe everyones payment is due on the 1st of month. Why make this change on the days that most people would make their payments. Maybe middle of month!

      by doing this it reflects ( that I have a copy of it just would not allow me to attach it as an attachment.) a 2 day late in payment. I understand that there is a headway in making it late to incur a late payment. I take pride in my credit history and has worked hard to keep it perfect. 
      once mortgage rates start dropping we are going to sell and move closer to family. So I dont want any blemish in on my credit payment history.  I was not at fault.i just expect to keep a perfect payment history. 
      if they would remove the late record I would be happy. I tried to make I prior to the mortgage company system was down.

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