|
11062385
|
2024-12-06
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-06
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3180888
|
2019-03-15
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-03-15
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
2745887
|
2017-12-05
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-05
|
| Complaint What Happened |
My mortgage broker, XXXX XXXX at Meadowbrook, was negligent last XXXX, 2016. He was unaware of a critical deadline ( my son 's XXXX birthday ) which caused my refinance to fail. He gave me wrong information about the deadline that I passed on to my co-op that was processing approval forms ( XXXX ) for me. Then when I succeeded getting the forms and XXXX had a short remaining window to get the job done, he disappeared, sending out a bogus autoreply that he was at a funeral for 2 days- except with dates for the previous month.
So I also suspect that he may have willfully wanted me to require extensions and was purposely slow ( based on not knowing my critical deadline, but just believing I could get standard extensions ) because it was somehow beneficial to him - that he 'd make more money from the deal as a result. And if this was the case, I suspect that he may be doing this to other clients too.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3067128
|
2018-11-06
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
No
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2018-11-06
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-06
|
| Consumer Consent Provided |
N/A
|
|
|
10595853
|
2024-10-27
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Issue |
Delays with the closing process
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-10-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-27
|
| Complaint What Happened |
In XX/XX/year>, my client attempted to sell her home in XXXX, NY. However, during this process, we identified multiple instances of fraudulent misrepresentation on the mortgage application submitted by Meadowbrook Financial. Additionally, we discovered an inaccurate appraisal that inflated the propertys value by over {$75000.00}.
The seller and the buyer were once friends, leading the buyer to share his entire mortgage application with the sellera document he seems to have forgotten about. Currently, the buyer is claiming he was always a part-owner of the property, despite his signed FHA Identity of Interest form , where he explicitly stated there was no family or business relationship with the seller. A copy of this signed document is attached. This document also differs from his notarized sworn court document which state that the property was purchased as an investment ( see statement attached ). If this is the case, which is not, should have indicated that this was a business transaction, which would have not allowed him to take advantage of the 3.5 % down payment. This was all overseen by the mortgage broker.
Furthermore, the buyer falsely claimed on his mortgage application that he had lived in the property for eight years, despite the fact that my client did not own the home for that length of time. It's likely that the buyer lied about his residency to appear more stable to lenders, who often see longer occupancy as a sign of financial responsibility and lower lending risk. In reality, the property was tenant-occupied, which was one of the reasons the seller was unable to deliver the home.
Meadowbrook oversaw the entire application process. The application is also attached.
The appraisal was completed by XXXX XXXX in XXXX, NY ( Meadowbrook Financial was also present ) and failed to meet the guidelines of HUD. Specifically, the report incorrectly lists the house as having two and a half bathrooms, which is entirely false. In reality, the .5 bathroom is only a small niche in the mudroom with two walls and a toilet. There are no other bathroom fixtures in that area, and without a sink, it can not be classified as a half bathroom. Additionally, the appraisal diagram inaccurately shows a garage with a " bedroom '' a few feet away. In reality, no such bedroom exists ; the space in question is a mudroom. Not only does this area fail to meet XXXX XXXX definition of a bedroom, but it also serves as the only access to the non-habitable garage which is actually depicted on the buyer 's appraisal report. According to XXXXXXXX XXXX guidelines, a bedroom can not act as a passageway to another space, such as a garage. As a result, the home was listed as a three-bedroom with an accessory unit, when in reality, it should have been classified as a two-bedroom home, if the additional section even qualified as an accessory apartment, which it does not. The so-called accessory apartment, located on the right side of the house, also fails to meet XXXXXXXX XXXX requirements for accessory apartments. The appraiser would have known this had he properly inspected the space, but he neither entered the area nor took any photos of it- Meadowbrook was also present during this inspection. The " kitchen '' shown in the diagram does not conform to XXXXXXXX XXXX definition of a kitchen for an accessory apartment. The appraisal report attributed {$30000.00} of value to a so-called " accessory apartment '' unit, which only added to the pattern of fraudulent assessments. This is wholly against HUDs stringent rules on appraisals which indicate inspectors must access ALL rooms in a dwelling. Amidst these inaccuracies, one truthful statement stood out : the appraisal report correctly classified the transaction as non-arms-length, acknowledging the personal ( but not familial ) relationship between the buyer and seller. This detail is crucial, as FHA guidelines explicitly prohibit a gift of equity in such situations. Gifts of equity can only come from family members, and yet, no one raised this issue. Despite this key restriction, Meadowbrook Financial, insisted on including the gift of equity in the contract. Their blatant disregard for FHA guidelines highlights the fraudulent nature of the entire transaction. Upon further inspection, the appraisal report raised more concerns. The appraiser included several misleading photos. One image, labeled as a bedroom, is actually a small sitting area open to the first floor like a balcony. The mudroom was mislabeled as an office in the report, yet on the diagram, it was depicted as the bedroom. These falsifications greatly inflated the home 's value, further undermining the integrity of the appraisal process. Since my client did not consent to signing the contract, the issue has escalated to litigation, costing her over {$40000.00} in legal fees and nearly {$100000.00} in urgent home safety renovationsissues that were deliberately omitted from the reports. For example, many outlets had live grounding wires ; without proper grounding, a lightning strike could have electrified the entire house, posing a deadly fire risk.
This mortgage fraud includes- Residence fraud Appraisal fraud Gift of Equity fraud This matter has now been reported to the FBI and the Office of the Inspector General and will soon be brought to the attention of the New York State Attorney General.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5996948
|
2022-09-19
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-09-19
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-19
|
| Consumer Consent Provided |
N/A
|
|
|
7210231
|
2023-07-05
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-07-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4082595
|
2021-01-21
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2021-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-21
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Complaint What Happened |
I was applying for a loan but I had to cancel the process because the second home inspection was not favorable due to termites and water damage in the property. Plus I didnt have the XXXX that MeadowBrook was requested hence why I asked them to issue a denial letter because I didnt qualify for the loan. Its been a month since I requested the letter and MeadowBrook mortgage is not responding or sending the letter. I need the letter so that I can get back deposit from the seller. Please help.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4570074
|
2021-07-22
|
Improper use of your report
|
Mortgage
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-07-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-22
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3516680
|
2020-01-30
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2020-01-30
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
3181041
|
2019-03-15
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2019-03-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I purchased my first mortgage from servicer Meadowbrook Financial Mortgage Bankers Corp. on XX/XX/XXXX. On XX/XX/XXXX my mortgage loan was transferred to new servicer XXXX XXXX XXXX XXXX. Upon reviewing my online account with XXXX XXXX XXXX XXXX between late XX/XX/XXXX to mid XX/XX/XXXX, I noticed my ESCROW account was in the negative for over {$2300.00}. I called XXXX XXXX XXXX XXXX to find out why my ESCROW account was negative but a representative stated " we have no idea as to why, please contact Meadowbrook Financial Mortgage Bankers Corp ''. I called my first mortgage loan servicer and my broker XXXX XXXX but he had no answers for me. From that point on I grew suspicious and felt there were malpractices going on. Miraculously the same day I raised awareness about my ESCROW account being negative, was the same day my ESCROW account was in good standings. At this point I started doing a lot of investigating and going over my disclosures carefully. There were a few red flags on my disclosures such as the wrong race ( which I complained about before ), it indicated that I've done a phone interview ( I clearly did a face to face interview ), an extra brokers point was taken from closing, the RESCIND documents were never present nor signed, a fraudulent Commitment was made to buy my loan some approval time and XXXX XXXX XXXX ( the actual broker that closed my loan ) name ws nowhere to be found on my disclosures. I thought that was very odd and suspicious. Until this very day, I do NOT trust Meadowbrook Financial Mortgage Brokers Corp. nor XXXX XXXX XXXX XXXX with my money. I've been wait over one year for both lenders/servicers to answer the important question which is : WHO OWNS THE NOTE TO MY MORTGAGE????? XXXX XXXX XXXX XXXX put my home in foreclosure on XX/XX/XXXX. I responded with an answer and discover on XX/XX/XXXX. XXXX XXXX XXXX XXXX 's first attorney never responded to my discovery and backed out the foreclosure case. The second attorney hired by XXXX XXXX XXXX XXXX answered to the courts saying that they are not choosing to respond to my discovery and than backed out the foreclosure case against me ... .. WHY???? This is an unlawful malpractice on the part XXXX XXXX XXXX XXXX played. If XXXX XXXX and XXXX XXXX does NOT own my mortgage note and my information dose not appear in their system, than who is the actual note holder of my mortgage???? I contacted my title company XXXX XXXX XXXX via fax on XX/XX/XXXX regarding this issue but I did not receive an email nor replied letter by mail.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3983949
|
2020-12-01
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2020-12-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-01
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
Note : I tried to fix the issue with the mortgage company by sending a letter to XXXX XXXX, the CEO of the company on XX/XX/2020. He did not reply my letter ( the letter is attached here ).
XXXX XXXX, CPA, Mortgage Loan Originator and Branch Manager at XXXX XXXX branch office of Meadowbrook Financial Mortgage Bankers Corp. ( MFMF ), was engaged in unfair, deceptive, or abusive acts and practices ( UDAAPs ) which caused us significant financial injury. He defrauded us into accepting an FHA mortgage loan in place of a 30-year conventional fixed rate mortgage loan even though we made 20 % down payment of the value of the property when homebuyers generally pay 3.5 % down payment for an FHA loan.
We trusted XXXX because he is not only a mortgage loan originator, but also a Manager of MFMB, and a Certified Public Accountant ( CPA ) a member of an honorable profession. We never imagined he would commit mortgage frauds ; we trusted him with utmost good faith. Before we applied for the loan XXXX did not provide us with the booklet titled, Special Information Booklet ( Your home loan toolkit : A step-by-step guide ). XXXX delivered us a Closing Disclosure which stated that we shopped for some services when in fact we were not given a chance to shop for, and we did not shop for, any services. All the service providers that were used were required by XXXX including those that were misstated in the section C. Services Borrower Did Shop For.
XXXX duped us into accepting an FHA mortgage loan with 20 % down payment but still with mortgage insurance, without our knowledge or permission. Moreover, he caused us to spend additional {$11000.00} in mortgage insurance premium for closing costs which he added to the total mortgage loan amount, and another {$530.00} per month for 11 years, for a total of {$70000.00} ( {$530.00} x 12 x 11 ). Even after all these expenditure, he was not satisfied ; he charged us 1.375 % of the loan amount or {$9000.00} as points, and another {$6400.00} as loan origination fee, without our knowledge and without consulting with us. He was not still satisfied he charged us an interest rate of 3.625 % with annual percentage rate of 4.714 % when the prevailing interest rate was less than 3 % at the time of closing.
We never asked XXXX for owners title insurance policy which is optional, but he duped us into spending additional closing costs of {$3600.00} in optional title insurance without our permission. Apparently, he received some kickbacks and illegal payments from the title company for referring unwanted and unnecessary services to maximize his income illegally. Also, we were not provided with a copy of the title insurance although we paid for it. Even though we paid {$620.00} as appraisal fee, we were not supplied with a copy of the appraisal report.
At the time of closing we had to sign a lot of documents without reading their contents of which we were given only copies without our signatures after the closing. On one document concerning the survey, titled HOLD HARMLESS & INDEMNITY AGREEMENT FOR SURVEY, it stated that we had held MFMB harmless although we were not given a chance to do a survey. We wanted to do a survey but XXXX did not mention about that. We will have a survey done and will not hold MFMB harmless if there are any defects or issues uncovered by the survey.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6080056
|
2022-10-12
|
Identity theft protection or other monitoring services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Identity theft protection or other monitoring services
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Problem with product or service terms changing
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2022-10-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3918348
|
2020-10-25
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-10-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-25
|
| Complaint What Happened |
Concise Summary of the Issues ( Illegal Property Flipping and Mortgage Frauds ) : Note : I tried to fix the issues with the mortgage company by sending a letter to the seller of the property who is a controlling person of the company as well as to the CEO of the company. None of them responded to my letters ( the letters are attached here ).
While I was walking on a street in XXXX, New York, I attended an open house in which, XXXX XXXX, a real estate broker employed by XXXX XXXX XXXX, proposed to be my buyer agent for the purchase of a property which I eventually bought on XX/XX/2018. XXXX actively concealed the fact that it was their own property ( under her husbands name ) in violation of XXXX XXXX XXXX of New York. In the same open house, she introduced to me her husband, XXXX XXXX, CPA, Branch Manager/Mortgage Loan Originator/a Controlling Partner ( with a cash investment of XXXX XXXX dollars according to XXXX ) of Meadowbrook Financial Mortgage Bankers Corp. ( MFMB ). XXXX conditioned that in order to buy the property, I had to be approved by, and obtain a mortgage loan, from MFMB using XXXX as my mortgage broker. Later XXXX delegated her duties and responsibilities as my real estate broker to XXXX. From that moment on, XXXX, using all his Affiliated Business Arrangements ( AfBAs ), did everything from hiring my buyer attorney, appraising the property, choosing the title insurance company, insurance broker, closing agent, and all other service providers in connection with the sale of property, its mortgage financing and the closing. I was never given a chance to shop for closing expenses even though Closing Disclosure stated that I did shop for some services. XXXX, as the seller, required me to use a particular title insurance company and required me to buy owners title insurance which I later found out was optional. He apparently received illegal kickbacks and other unearned payments from his AfBAs that he used without my permission.
XXXX and XXXX never handed to me any disclosure forms required by laws before becoming my real estate broker and mortgage broker and I came to know that XXXX owned the property after singing the contract of sale. When it didnt smell right, I contacted my attorney ( an accomplice of XXXX ) who told me that it was okay for one person to be everything as seller, broker, and mortgage lender ( without disclosure ). I wanted to rescind the contract of sale on the day of closing, but my attorney scared me not to. I was emotionally very distressed on the day of closing and I never thought closing would take place and that is why I did not bring my family or friends to the closing venue. The forced closing took place in my attorneys office without him being present on the closing table. The seller attorney ( an accomplice of XXXX ) is the one who did the accounting and everything else, even though my buyer attorney was lender attorney, and the closing attorney.
The sale of property and the mortgage financing transactions were not consummated on arms length transactions because one person who is the owner of the house controlled the sale of the house and its mortgage financing transactions to maximize the incomes from every source of the possible opportunities. XXXX fraudulently induced me to accept the offer, finance the mortgage with his company, and trust him to complete the transactions. I have reasons to believe, and I do believe that all the parties to the transactions were engaged in collusion. The appraiser used in the appraisal report larger and much more expensive properties as comparable properties and inflated the appraised value of the property. Without my permission XXXX applied for a mortgage loan with my personal information that I gave him and opened an online account and induced me to esign almost all the documents without reading their contents.
XXXX and XXXX misrepresented and lied from the beginning of the purchase and financing transactions to the end. While XXXX has a license as a real estate broker, she only lists her own properties ( under XXXX name as the owner ) without disclosing the ownership in illegal property flipping and mortgage fraud schemes, and XXXX finances the mortgages of those properties using his own company ( in substance MFMB is a mortgage brokerage firm disguised as a mortgage lender ) as mortgage lender and provisionally selling the loan prior to the closing.
I have records of the events that led to the closing. XXXX circumvented laws in every step of the transactions by fraud and forgery. Even though he was supposed to be my mortgage loan originator ( MLO ), XXXX used the brother of the CEO of MFMB as my MLO in the Closing Disclosure without my knowledge. I never knew the brother of the CEO and I never communicated with him but one document was forged to state that I had been interviewed by him.
After the closing I did some legal research on my own. I found out that XXXX and his accomplices in collusion circumvented/violated many laws, rules, and regulations relating to real property purchase and mortgage financing transactions that is very hard to summarize at the initiation of the complaint. I will also remind you of other laws, rules and regulations that I find according to my research, the couple and their accomplices circumvented. So far I found out that the couple violated, at the very least, the following codes, rules and regulations : ( i ) E-Sign Act [ 15 U.S.C. 7001 ( c ) ( 1 ) ] ( ii ) RESPA [ 12 CFR 1024.6 ( a ) ] ( iii ) Section 9 of RESPA ( 12 U.S.C. 2608 ) ( iv ) Section 8 of RESPA ( 12 CFR 1024.14 ) ( v ) Dodd-Frank Act ( 12 U.S.C. 5531 ) ( vi ) Section 443.3 ( c ) Article 12-A Real Property Law of New York ( vii ) Section 443.4 ( a ) Article 12-A Real Property Law of New York ( viii ) 19 CRR-NY 175.5 ( ix ) 19 CRR-NY 175.6 ( x ) 19 CRR-NY 175.7 ( xi ) 19 CRR-NY 175.12 ( xii ) 3 CRR-NY 38.2 ( d ) ( xiii ) 3 CRR-NY 38.2 ( e ) ( xiv ) 3 CRR-NY 38.7 ( a ) ( 14 ) ( xv ) Common law fraud ( xvi ) Tort of intentional infliction of emotional distress.
I believe, upon your professional review of issues and other documents that I will submit to you, you will find additional laws that the couple and their accomplices violated or circumvented. Please review the attached letters to get a better idea of the issues involved.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4002411
|
2020-12-10
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-12-10
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-10
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
2696303
|
2017-10-08
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
Meadowbrook Financial Mortgage Bankers Corp.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-10-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-08
|
| Consumer Consent Provided |
Consent not provided
|
|
