|
3318268
|
2019-07-25
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
CONTOUR MORTGAGE CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-07-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-07-25
|
| Complaint What Happened |
To whom it may concern On XX/XX/2019, my father and I went to see a property located at XXXX XXXX XXXX XXXX house. Our agent XXXX XXXX was not available at the time, but he told us to show his card to the seller agent. We saw the house and we had conversation with the seller agent XXXX XXXX. Ms. XXXX then reported that the seller is in the process of getting another house and the lender is XXXX XXXX from Contour bank and the seller want the buyer to use the same lender. I told Ms. XXXX that I am pre-approved from XXXX XXXX however she insisted and said that I must use XXXX XXXX because that is what the lender wants. She then texts me the lender XXXX XXXX business card and the loan options and told me to call her.
We liked the home, and, in a way, I was forced to use this lender, so I called her. Ms. XXXX confirmed that she is doing the seller other house loan and she is going to make sure the seller has a strong buyer and therefore I was referred to her. I gave her documents she needed. On XX/XX/19 she said there is a problem with the house that I currently own at XXXX XXXX XXXX XXXX XXXX, NY XXXX. She said Your pics on the XXXX listing looks like one of the units or entire home is vacant and no one is living there. When were trying to make a case that two families are moving out of a two-family house. This in not a good Look. I told her that XXXX XXXX XXXX XXXX XXXX, NY XXXX is my current primary residence where also my parents lives. I also reminded her that I have given residency verification documents already for me and for both of my parents ( driver license and utility bill ). I also explained the picture that was posted for the listing was old pictures that was used from previous owner. She then told me that I did fraud and she will deny the loan based on the picture that was posted on XXXX.
There are few things that are my concern. The lender is also the seller lender and looking after seller interest. I have provided documents that I live in the XXXX XXXX XXXX XXXX XXXX, NY XXXX house. MsXXXX XXXX did not offer any other options and took it personally and was to quick to conclude that I am denied the loan based on fraudulent documents, XXXX listing pictures and she called me a liar ( without having any evidence ). Her action was nowhere professional, and I was confused if she represents the bank, seller agent interest or her interest. Also is there any chance to get a fair loan from her? My agent XXXX XXXX also reported that the seller agent knows confidential information which XXXX, Ms. XXXX shared with her ( breach of confidentiality ).
I have good credit and all documents that I provided to her was legal and with her directions. I dont want her unethical practice, unfair judgement to affect my credit records or future purchase of home. At this moment XXXX dont want the loan ( I did not sign any paperwork with her ).
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
1904389
|
2016-04-30
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
No
|
| Company |
CONTOUR MORTGAGE CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2016-04-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-04-30
|
| Complaint What Happened |
I was shopping for a mortgage and was referred to XXXX XXXX at Contour Mortgage by a co-worker. I called for information and at first everything was okay. He began collecting my information. After about 30 minutes on the phone he asked that I provide sensitive information to him. I asked him if I could call him back, I then contacted my attorney to ask his advice. He told me to ask for a loan estimate from the loan officer. When I called XXXX back he told me that he needed my information. I asked for the loan estimate and he suddenly changed his attitude and asked why? I told him that my attorney asked for it and he answered that attorneys were idiots and did n't know what they were talking about. I tried to get him to provide me with a loan estimate, but he refused. XXXX told me that he had been in the business for over 10 years and that he was the expert and that I should have faith in him. I started to feel uneasy and asked if he could review the costs verbally with me which he did. I never received the loan estimate that I asked for. When I finished talking with him he asked again for my social security number and date of birth. Something did n't seem right so I did n't give it to him and told him that i 'd call back. When I hung up I googled the company which seemed legitimate and then googled XXXX XXXX and found out that he was arrested after being fired by another bank!!!!!!!!!!
I am really disappointed that this is still going on. I thought that the government protects us against criminals, however they are apparently still out there. I do n't know how someone can be fired from one bank, get arrested and then be handling sensitive information at the next. It is baffling.
XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
1756825
|
2016-01-25
|
Settlement process and costs
|
Mortgage
|
|
| Issue |
Settlement process and costs
|
| Timely |
No
|
| Company |
CONTOUR MORTGAGE CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2016-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-01-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XXXX XXXX from Contour Mortgage ( http : //www.contourmortgage.com/ ) violated RESPA rule multiple times when he handled the mortgage for me from XXXX to XXXX 2015. I received Good Faith Estimate ( see attachment, the interest rate was 4.0 % ) on XXXX XXXX when I began the loan application. I got the mortgage approval package on XXXX XXXX. I had a phone conversation with XXXX on XXXX XXXX and I clearly stated I was not ready to lock the interest rate because my condo application was still pending although XXXX did advice me the rate might go up soon. After i received condo approval on XXXX XXXX, I contacted XXXX to find out the latest interest rate, he told me he locked the rate for me on XXXX XXXX at 4.125 %. He did not provide any form of written notice about the date he locked the rate or the rate % throughout the entire process. He did not provide me a revised GFE since the rate he locked was higher than the original GFE. He attempted to charge me {$1600.00} for the rate extension cost which he had no proof which date he locked the rate and which date he extended the rate to.
1 ) He failed to issue revised GFE after the rate was locked and the locked rate was higher than the rate stated on the GFE. he locked the rate without my consent.
2 ) We exchanged email on XXXX XXXX that he confirmed he extended the rate until the closing date XXXX XXXX XXXX ) but he did not mention anything about the cost. XXXX day before the closing when he finally provided closing statement, lock rate extension cost of {$1600.00} was added on closing statement that consider as changed circumstance, he again failed to issue a revised GFE. There was no breakdown or explanation on how the extension cost was calculated. I confronted him about adding the lock extension charge on closing statement, he said my option was to transfer my paperwork to other banks and adjourn the closing if i was not willing to accept the fee. My opinion was he purposely delay to provide the closing statement until the very last minute. I had to emailed bank attorneys, laid out all of his wrong doings for him to take out the charges. However, it did not undo the violations how he handled my mortgage and taking advantage of me being first time buyer and not familiar with the process and regulations.
Throughout the entire process, GFE was provided only once before loan application was approved. Interest rate was not stated on commitment letter even though the rate expiration date was stated as XXXX XXXX, 2015. Extension cost should not be incurred before XXXX XXXX or a revised GFE should be issued.
3 ) The home insurance agent he referred which he said was a great quote ( i did purchased but later on cancelled ), was 2 times more expensive with half of the coverage of what I have my current policy now.
I tried to escalate the case to Contour Managing XXXX XXXX, after a minute on the phone with him, he put me on hold of 5 minutes ( my guess he was talking to XXXX on the other line ), he came back saying XXXX went above and beyond to provide good service to me, that XXXX even paid out of pocket for part of the extension fee. This was either a big fat lie or someone had made a terrible mistake and try to cover his base. It just demonstrate XXXX manager aware and approved of his violations.
Moreover, the final rate I was forced to lock was at least 0.125 % higher when i compared with other banks.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2203176
|
2016-11-10
|
Settlement process and costs
|
Mortgage
|
|
| Issue |
Settlement process and costs
|
| Timely |
No
|
| Company |
CONTOUR MORTGAGE CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2016-11-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-11-10
|
| Complaint What Happened |
Mortgage lender overcharging me in closing costs. They have financed my upfront MIP into my loan which I asked if they can remove several times. They are also charging me this same upfront MIP again at closing. I met with bank, several times in reference to this and now on the day of closing, nothing has changed. They have finance {$5500.00} in my mortgage which I may add made my down payment of 3.5 % higher and now they also have that amount calculated within my closing costs.
My issue with the closing disclosure is that it is very misleading as it does n't say anywhere on it that they have added my upfront MIP on the balance of my loan. The MIP is listed as one of my closing costs which they state can not be removed. It should be removed because it was financed in the balance of my loan.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7868409
|
2023-11-17
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CONTOUR MORTGAGE CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-17
|
| Consumer Consent Provided |
Other
|
|
|
6448696
|
2023-01-17
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
CONTOUR MORTGAGE CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-17
|
| Complaint What Happened |
XX/XX/XXXX My husband and I were attempting to refinance our mortgage Through Contour Mortgage Corporation. Our Senior Loan Officer name was XXXX XXXX, person documents were going to was XXXX XXXX The manager name is XXXX XXXX. We submitting our paperwork electronically through the bank 's app and faxing because some of the documents had to be printed and signed. XX/XX/XXXX Received a text message on my cellphone that they received the documents. XX/XX/XXXX Received a text message that they were preparing the file for the underwriter. XX/XX/XXXX Received a text message that they submitted the loan to the underwriter. When we signed the documents on XX/XX/XXXX we signed for appraisal of our property @ {$600.00} to be charged to my XXXX XXXX credit card. On XX/XX/XXXX I received an email with wanting us to sign another document for the appraisal, so I text XXXX XXXX explaining I received the email and that I already signed and sent the document back to them. He replied by text on XX/XX/XXXX it is an auto email that goes out and that we will receive another one that says completed and that he wish it was a better system on the appraisal network process and not to worry his processor will take care of it. XX/XX/XXXX I sent a text to XXXX XXXX because our Credit Card was charged {$750.00} instead of the {$600.00} we signed for. XXXX XXXX responded by text saying thats not right and he will address the issue. XX/XX/XXXX XXXX XXXX texted stating the difference is being credited back to your card that there was increase in appraisal fee for our area which will be included in the loan. Our appraisal appointment was set up for XX/XX/XXXX and the appraiser would send the report to the bank by the end on week. On XX/XX/XXXX Received a text message from XXXX XXXX that the appraisal was being reviewed for Quality Control should be released to him by Wednesday. Had heard anything until XX/XX/XXXX received an email from XXXX XXXX with an attachment that our loan was denied because our credit history. On XX/XX/XXXX Responded to email asking why our loan application would deny now over our credit history after we went through the appraisal process. I also text XXXX XXXX the same question on XX/XX/XXXX No response back from either one. On XX/XX/XXXX email XXXX XXXX again requesting answer from my question I submitted on XX/XX/XXXX, also sent a text to XXXX XXXX. Didn't received a response from my email, but XXXX XXXX text stated he would call in the morning, never received a call back. On XX/XX/XXXX Text XXXX XXXX stating you were suppose to call and haven't heard from. On XX/XX/XXXX I texted XXXX XXXX that i am not receiving the answers. This shouldn't of happened that they did an appraisal and we were charged and then denied due to our credit history, this shouldn't of happen and I am requesting a refund of our appraisal fee of XXXX XXXX.On XX/XX/XXXX I sent an email to XXXX XXXX and XXXX XXXX about the denial and the appraisal fee. On XX/XX/XXXX I received a text from XXXX XXXX that he emailed the appraisal to me, but no answer to my questions why we were denied due to credit history after the appraisal was already done. Didn't hear anything so on XX/XX/XXXX emailed XXXX XXXX & XXXX XXXX again and since I haven't heard from them that I was taking this complaint higher in their bank. On XX/XX/XXXX I also email XXXX XXXX and added XXXX XXXX and XXXX XXXX concerning the denial due to credit history and being charge for appraisal and it the appraisal shouldn't of happen if being denied for credit history and stated i should be refunded for the appraisal and that they also over charged the credit card.. Didn't hear anything from my email on XX/XX/XXXX emailed then all again on XX/XX/XXXX. Still haven't heard anything from any of them. I think this is unfair practice that we were denied due to credit history after we were charged and appraisal was done on our property. Also we signed to have our credit card charged {$600.00} and our credit card was charged {$750.00}. They should issue a refund for the {$750.00} as this shouldn't of happen. Tried several times to resolve the issue with the bank, but didn't receive any response back from them to resolve the issue. Thank you XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
7090990
|
2023-06-08
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
No
|
| Company |
CONTOUR MORTGAGE CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-06-08
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-08
|
| Complaint What Happened |
I have contacted XXXX XXXX XXXX ( nmls # XXXX ) on XX/XX/2023 afternoon and explicitly asked him to see if I provided all the paperwork he needs, would he be able to provide me with a Loan Estimate the same day and lock in as well as i am on a time crunch to close a property that i am purchasing.
He has assured me multiple times that he can do that. He send me an email requesting all the paperwork and I sent him all the documents right away. After reviewing all the paperwork, he again assured me that he can provide me with a loan estimate within the day and we can lock in the rate at the same time. He also performed a credit inquiry at about XXXX XXXX on that day and once the report came in again assured me that i will receive a loan estimate within an hour.
Then he said his boss XXXX XXXX ( nmls # XXXX ) would call me shortly. Since then i have asked XXXX XXXX numerous times over last week to see if his boss will call me and if he can get me a Loan Estimate so we can move forward.
As off today, XX/XX/2023 XXXXXXXX XXXX i did not receive any Loan Estimate and XXXX XXXX kept telling me his boss is a busy man.
XXXX XXXX and XXXX XXXX have completely neglected my urgent need for a mortgage and wasted about a week of my time.
I have all the screenshots of our conversations and will be happy to provide if needed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3788112
|
2020-08-10
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
No
|
| Company |
CONTOUR MORTGAGE CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-10
|
| Complaint What Happened |
Upon finding a condominium for purchase I went with Contour Mortgage as my initial lender. I signed the contract at the end of XX/XX/XXXX. There were many issues with this lender such as : 1- multiple title issues never disclosed 2- loan estimate submitted to me on XX/XX/XXXX ( after multiple emails on my part ) 3- I was told that the loan estimate was not accurate " just numbers '' 4- steered to an attorney who is an associate of the lender and also failed to disclose 5-inspection and appraisal fees were charged to me without disclosing pertinent information about the property or the loan itself 6-repeatedly contacted afterward by the lender after I told him I would no longer be using his services
|
| Consumer Consent Provided |
Consent provided
|
|
|
4760288
|
2021-09-28
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CONTOUR MORTGAGE CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-09-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-01
|
| Complaint What Happened |
XXXX XXXX from contour mortgage ran my credit without my consent and approval. I reached out to them to learn my about mortgage qualification. I never asked them to run my credit and I specifically asked them to let me know before running my credit. He went on and ran my credit without informing me whatsoever.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5165499
|
2022-01-30
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
CONTOUR MORTGAGE CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-30
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Complaint What Happened |
I submitted my completed application on XX/XX/XXXX and sent it over to XXXX XXXX of Contour Mortgage on the same day. He did not confirm receipt however, he messaged me on XX/XX/XXXX to let me know that I need to submit additional information. I did and did not hear back from him until I reached out on XX/XX/XXXX and I stated " Hi XXXX- I hope you enjoyed your weekend! I just wanted to follow-up here since its been about thirty days since I submitted my application. I was wondering if you can provide an update on status. '' It was only then that they sent me additional conditions and document requests. This continued where it was radio silence for months until I reached out. If they needed additional documents, I wouldn't have known until I reached out. I provide the documents within 24 hours and still no confirmation of receipt or anything.
XXXX XXXX also participated in deceptive practices. When he was looking to get my business, he said it would be a quick and easy process and he had recently closed a similar situation. He also lead me to believe that he would be able to refinance the home and process a HELOC loan. Unaware to me that they actually DO NOT offer HELOCs and i would have to go somewhere else to do this. This was not disclosed to me until now as we are closing.
Now that I am closing, they have me backdating the documents. I received them on XX/XX/XXXX however the date on the documents are XX/XX/XXXX. It took over four months to close with no communication as to why it is taking so long. Now my interest rate has increased almost identical to what it is on my current mortgage however, I don't have the time to go through this process all over again.
I strongly suggest an audit on their practices as I feel they are deceiving their customers to gain business and extend the process.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3289660
|
2019-06-28
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
CONTOUR MORTGAGE CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-28
|
| Complaint What Happened |
Called them to ask if they can take some of the inquires off from contour mortgage they told me to get in contact with contour mortgage i did and i check up with contour they told me they Submit paper work and when i check with them they said they didnt recieve and now contour is not answering my calls
|
| Consumer Consent Provided |
Consent provided
|
|
|
1818282
|
2016-03-04
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
No
|
| Company |
CONTOUR MORTGAGE CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional adjustable mortgage (ARM)
|
| Date Received |
2016-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-03-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4282881
|
2021-04-08
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
CONTOUR MORTGAGE CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2021-04-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-08
|
| Complaint What Happened |
I close on a mortgage in XX/XX/2020 with Contour Mortgage. At the closing, there was an approximately {$3000.00} that was supposed to pay off some debts. The debt in question was already being deducted from my paycheck. The lawyers agreed that after the full amount is paid through my paycheck, then I would get the check. That never happened. I kept requesting for the check with no real answers. As I was going through the closing documents I also notice that I never received an accurate closing documents with the actual expenses. The documents that I signed XXXX days before closing were estimates not the actual expenses, because the estimates for the title company was different from what the amount on the title expense statement. There was another {$2500.00} difference in the amount that was actually charged and the amount showed on the estimate closing cost document that I received. This was confirmed by the original loan officer. I am requesting for a thorough recount of the closing process of the mortgage because I believe that I am currently responsible to pay back a mortgage amount that is not accurate. In addition, there was supposed to be a {$500.00} credit applied on the price of the house. This credit was not honored. Furthermore, I got an unpaid tax for 2020 that was supposed to be taken care of during the process. I tried to resolve the problem with Contour Mortgage with no success. So I am putting the complaints with the current loan servicer XXXX XXXX Loans.
|
| Consumer Consent Provided |
Consent provided
|
|
