If conflicts and/or disputes are arising, you should consult a real estate attorney in your state to be sure of your responsibilities.

When there are disagreements with the potential borrower we do provide a dispute process allowing the customer to have us take a second look at the evaluations. 9.We’re not pretending to be something we’re not.

However, there is a concept in law that the parties of a dispute must try to resolve the issue before just coming to court.

If you're comfortable meeting in person, I would follow up with an email outlining what was said in person to the tenant with the resolution of the conversation also in the email.

In theory this works but in case of a dispute the escrow company usually files an interpleader with the court and deposits the documents and bows out to lets the 2 of you fight it out.

That said, a lot of people here believe the chances of that happening are low as long as you continue to pay the mortgage as promised, and some people here believe you can notify the bank as to what you did and if they don't object, you should be in the clear (though that's disputed by others here).In other words, there is a risk to doing that, but it's unclear how big the risk is...it may or may not be worth it, depending on your situation.

If the property had negative equity, the borrower can not direct a resolution on their own, as the Mortgagee would not be paid in full.

I'll try to get to their office tomorrow morning maybe and dispute the stove issue.

I only accept rent payments online(buildium) so I believe the only way the could submit a bad payment would be to use a credit card and then cancel/dispute the charge.

They would have to dispute the charge to have it reversed after making the payment right?