|
6841188
|
2023-04-14
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-04-14
|
| Submitted Via |
Web Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-14
|
|
|
5750782
|
2022-07-09
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-07-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-09
|
| Complaint What Happened |
I applied for forbearance in XXXX due to the loss of my husbands job. I was told I was approved and I requested another 3 months of forbearance in XXXX. I called for forbearance repayment options several times and was told I had to wait until XX/XX/XXXX to discuss repayment options. I applied for XXXX homeowner assistance and was approved although I am still awaiting payment. I contacted the mortgage company to discuss repayment options and I was told that I would be ineligible because there was a pending 3rd party to make full back payment. I called again and applied and was told it would take 30 days. I called again on XXXX and was told it could take 60 days. I called on XXXX to inquire why my account is blocked from allowing me to make an online payment, I was told my account is in forbearance status still and I can not make payments online. I would have to make a payment over the phone for a {$12.00} fee. I then get notice that my credit score dropped XXXX points because the mortgage company reported that I was over 120 days late on my mortgage. This bank is destroying my credit and they are doing nothing to assist me. All they do is give me misinformation or direct me elsewhere. My mortgage was or still is in forbearance but they are reporting this extreme lateness to my credit
|
| Consumer Consent Provided |
Consent provided
|
|
|
5317541
|
2022-03-11
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-03-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-28
|
| Complaint What Happened |
I have received letters from Cardinal Finance stating my request for forbearance isnt complete.I callled to go over the options and I was directed to Consumer Finance. The person simply stated I was in forbearance and there was nothing I needed to do. I asked what I need to do when forbearance is over because I can not make balloon payment and she directed me to contact CFPB.
I also called because my escrow has increased 2 times in the 15 months in 7 months. When I called to ask why it keeps increasing I was placed on a long hold and was told to call my town or insurance company. My mortgage rate has increased over XXXX in 15 months and I asked how much I need to pay to have my monthly rate back when I purchased of {$2500.00} I was given an incorrect amount and I still do not know how I can pay the escrow shortage or what the amount that has to be paid. I can never seem to get assistance I am always directed elsewhere and it is very frustrating.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7122426
|
2023-06-15
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2632044
|
2017-08-13
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-08-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-13
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Complaint What Happened |
This record serves as a complaint against Cardinal Financial NMLS XXXX, loan officer XXXX XXXX NMLS XXXX and specifically his manager XXXX XXXX NMLS XXXX. I was initially locked in for a conventional fixed 30yr mortgage at 4.125 % with 15 % down payment. The points for the loan were waived at this time. A few days before closing the company sent a disclosure for interest rate of 4.250 % when I increased my down payment to 20 % to avoid PMI. The company also charged me for points where I had to pay an extra {$340.00} after waivers. They even asked me to sign the disclosure for the 4.25 % interest and then they would fix this issue. Mutiple calls were made to the loan manager who did not return voicemails to explain the issue. The company increased my interest rate after loan lock in, coercing me sign disclosure so I would not loose my deposit just 3 days before closing. This issue was not fixed until I threatened to make a complaint and to sue them. I still had to pay an extra {$340.00} for loan points when they were initially waived. I had to do this so I would not loose my deposit for the house coercing to sign inaccurate closing disclosures. I have proof of all the disclosures. I had to extend my closing date and they even charged me an extension fee. I perceived that the loan manager XXXX XXXX NMLS XXXX showed ethnic bias.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7962549
|
2023-12-07
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Delays with the closing process
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-07
|
| Complaint What Happened |
On XX/XX/2023 I served Cardinal Financial with documents related to a mortgage they formally serviced. Account number : XXXX. I notified Cardinal that the loan was discharged in XXXX XXXX Bankruptcy in the XXXX XXXX XXXX New York on XX/XX/2023. I also mailed using certified mail, a letter of recession which rescinded my securities interests in the mortgage and demanded payment for the interest that was owed to me as it relates to the mortgage being traded in the securities markets.
I also notified Cardinal financial that their transfer of the mortgage to XXXX XXXX was illegal because it was initiated and processed after the mortgage was discharged. I also served Cardinal Financial that at the time of the purchase of the property that they were responsible for filing the deed with the county of record. Furthermore, Cardinal was required to file a satisfaction of mortgage once they become aware of the discharge of the mortgage.
Cardinal financial was also served with a 1099a and a 1099c cancellation of debt. However, I continue to receive mortgage statements from XXXX XXXX in reference to the mortgage that was transferred by Cardinal.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6580996
|
2023-02-16
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-02-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-16
|
| Complaint What Happened |
Please note this is the third CFPB complaint being filed against Cardinal Financial Company. The first complaint was filed on XX/XX/XXXX ( XXXX ). The second complaint was filed on XX/XX/XXXX ( XXXX ).
XXXX XXXX XXXX was approved by Cardinal Financial for an FHA COVID-19 forbearance on XX/XX/XXXX. The forbearance plan was set to suspend her regular monthly loan payments from XX/XX/XXXX, through XX/XX/XXXX.
On XX/XX/XXXX, XXXX XXXX sent a letter to Cardinal Financial via USPS certified mailed, return receipt requested. The letter was addressed to MAIL STOP XXXX, ATTENTION : CARDINAL FINANCIAL LOSS MITIGATION DEPARTMENT, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX.
In the XX/XX/XXXX, dated letter, XXXX XXXX formally requested a COVID-19 Forbearance Extension. A copy of this letter has been attached to this complaint as supporting documentation.
On XX/XX/XXXX, XXXX XXXX and I contacted Cardinal Financial by phone and spoke with representative, XXXX ( ID : XXXX ). We asked the representative to confirm receipt of XXXX XXXX 's letter requesting an extension to her forbearance. XXXX XXXX confirmed receipt of the letter and then placed us both on hold while she confirmed with her " supervisor '' that the letter will be deemed sufficient as a request for the extension. When the representative returned to the call, she confirmed her supervisor stated the request was deemed sufficient for a request to extend her forbearance.
On or around XX/XX/XXXX, I contacted Cardinal Financial by phone. I spoke with a representative who stated there had been no movement on XXXX XXXX 's request for forbearance.
On XX/XX/XXXX, XXXX XXXX and I both contacted Cardinal Financial by phone twice. The first call was dropped. During the first call, we spoke with loss mitigation representative, XXXX ( ID : XXXX XXXX. We asked XXXX to provide an update on XXXX XXXX 's XX/XX/XXXX, request to extend her COVID-19 forbearance. The representative stated the request was approved and XXXX XXXX 's forbearance was extended through to XXXX, XXXX. We asked the representative when XXXX XXXX would be receiving correspondence from Cardinal with this information, and we were informed by XX/XX/XXXX. We then asked the representative to e-mail the letter to us directly, and we were told a supervisor would need to do authorize the request. This is when the call dropped.
On the same day, XX/XX/XXXX, XXXX XXXX and I both contacted Cardinal Financial again by phone. This time we spoke with representative XXXX ( ID : XXXX ). This representative stated she did not see anything in her system that indicates the forbearance extension request was approved. In fact, the representative on this call said the forbearance extension request was entered in Cardinal 's system as being " initially requested '' on XX/XX/XXXX.
Cardinal Financial continues to demonstrate egregious behavior with respect to XXXX XXXX 's loss mitigation file. Cardinal Financial continues to neglect their responsibilities to the borrower ; Cardinal Financial neglected to send XXXX XXXX a written response to her written request for a forbearance extension, which they initially claimed over the phone that they received one ( 1 ) month ago today.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2398114
|
2017-03-22
|
Credit decision / Underwriting
|
Mortgage
|
|
| Issue |
Credit decision / Underwriting
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2017-03-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-22
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
XXXX recommended Cardinal financial company to finance a mortgage on a home purchase in XXXX XXXX, Fl. The bank took to long to process the application by holding up the processing over {$140.00} non payment of old XXXX bill and it took 4 weeks to appraise the property. The property was under appraised which should have given me the ability to cancel the sale but the appraisal took over 4 weeks to get done and I did not have the ability to cancel the sale. In the end I was forced to take out mortgage insurance on a property in order to to close. Similar properties like mine are selling for {$15000.00} more than my property and the bank refuses to take off the PMI
|
| Consumer Consent Provided |
Consent provided
|
|
|
7324399
|
2023-07-30
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-07-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-30
|
| Complaint What Happened |
On XX/XX/2023 around XXXX a fire broke out in the multi-unit building directly behind my property. The address of the fire was XXXX XXXX XXXX XXXX in XXXX XXXX, NY. The fire burned every apartment in the building which contained at least 20 units and took the Fire Department nearly 12 hours to put the fire out. Millions of gallons of water were sprayed into the building leaving my property with a 6 feet of water in my basement and damage to the roof causing leaks into my home. My property was deemed unfit for human occupancy due to my electric panel, boiler, furnace and oil tank being submerged in water and damaged completely. With no electricity or gas this left me and my tenants displaced.. I can not collect rent for either unit to assist my mortgage payment neither can I live in my own property and I am forced to find shelter wherever I can until my home is repaired and declared fit for occupancy by the city again. Due to this I am requested a Mortgage Hardship and would like to know the best options available to me. I plan on keeping the property, I just need hardship assistance until I can repair the damage and get my tenants back to assist with my mortgage payments. My Mortgage payment is currently {$4900.00}.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6139520
|
2022-10-28
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-10-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-28
|
| Complaint What Happened |
In XX/XX/2022, my clients, homeowners in XXXX XXXX, NY, submitted a loan modification application to their mortgage servicer, Cardinal Financial Company. The loan number associated with the application is XXXX.
It is now XX/XX/2022, and Cardinal Financial Company has not made a decision on the homeowner 's application. After providing third-party authorization, I contacted Cardinal Financial Company XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022.
Every time I contact XXXX XXXX for an update, I am told the company has not made a decision on the homeowner 's application. XXXX claims they have a lot of applications to go through because they are behind. This is not an excuse for not having made a decision on a loss mitigation application in almost four months.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2397016
|
2017-03-21
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2017-03-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-21
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
On or about XX/XX/XXXX, I applied for a mortgage with Cardinal Financial online. After qualifying for the mortgage online, I was instructed to order an appraisal in order to proceed with the application. When I inquired about the appraisal, Cardinal Financial stated that this was mandatory and assured me there will be no problem with the mortgage application. Relying on Cardinal Financials ' assurance, I paid {$660.00} to Cardinal Financial for the appraisal. Immediately upon payment, I was contacted to schedule an appraisal appointment and within few days was notified that the appraisal was completed. However, this was a total waste of time and money because Cardinal Financial had not received nor even requested a " Condo Questionnaire. '' After submitting the entire application, we informed that they were still waiting in the " Condo Questionnaire '' to schedule a closing. Finally on XX/XX/XXXX, I was informed the unit did not qualify for a mortgage based on the " Condo Questionnaire. '' When I inquired why they made me order an appraisal and complete the application before they even requested a " Condo Questionnaire, '' I was informed this was their policy. I would not have ordered an appraisal if not for Cardinal Financials ' specific instruction and assurance.
Based on Cardinal Financials ' instruction and assurance I wasted time and money. Accordingly, I am demanding a full refund for the appraisal fee I paid. Going forward, they should also be precluded from forcing future clients to order appraisal s before the " Condo Questionnaire. ''
|
| Consumer Consent Provided |
Consent provided
|
|
|
3401068
|
2019-10-08
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-10-08
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-10
|
| Consumer Consent Provided |
N/A
|
|
|
6266677
|
2022-12-01
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-12-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-01
|
| Complaint What Happened |
PROCEDURAL HISTORY I had previously filed a complaint against Cardinal Financial Company. The complaint has been responded to and is now closed. The complaint ID number was XXXX.
As a result of the previously filed complaint, Cardinal Financial has extended an approved forbearance offer to the borrower in writing. However, the letter the borrower received has conflicting information.
First, the cover letter dated XX/XX/XXXX, advised " to the extent possible, please sign and return the attached Agreement within fourteen ( 14 ) days of receiving this offer ''.
This was inconsistent with the letter from XXXX XXXX XXXX, Specialist with Cardinal Financials Loss XXXX Department. XXXX XXXX 's letter states " To accept our offer of FHA FORMAL FORBEARANCE AGREEMENT please call the number listed below to indicate your acceptance no later than XX/XX/XXXX '' The FHA FORMAL FORBEARANCE AGREEMENT gives the borrower a deadline to send in the signed agreement by XX/XX/XXXX. This is inconsistent with the XX/XX/XXXX dated letter from Cardinal Financials Loss XXXX Department, and with XXXX XXXX XXXX 's XX/XX/XXXX dated letter.
Additionally, the FHA FORMAL FORBEARANCE AGREEMENT has language that is unclear and contradictory. Specifically, under the " Agreement '' section, it states : " A ) Mortgagor ( s ) agree ( s ) to an APPROVED FHA FORMAL FORBEARANCE AGREEMENT WITH NO MONTHLY PAYMENTS FROM XX/XX/XXXX THRU XX/XX/XXXX. THESE PAYMENTS MUST BEGIN XX/XX/XXXX, AND ON THE XXXX OF EVERY MONTH THEREAFTER THROUGH XX/XX/XXXX ... '' I contacted Cardinal Financial Company and initially spoke with a representative who also reviewed the paperwork. The representative advised it appears the letter has a typo, but unfortunately Cardinal is unable to correct the document and the borrower must sign as is. I asked if the borrower can simply call and confirm she wants to accept the agreement, I was told no this would not be possible. I asked to escalate this case and ended up speaking with supervisor, XXXX ( ID : XXXX ).
XXXX XXXX ( ID : SAN ) acknowledged borrowers concern with the language but refused to admit to any typo and said that this was simply a template, it can not be corrected, and borrower must sign and submit form as is or she will not be approved for a forbearance.
SUMMARY OF COMPLAINT Cardinal Financial Company sent the borrower mailed correspondence with three separate items : A XX/XX/XXXX dated letter from their loss mitigation department, indicating the borrower has 14 days to submit the signed agreement; A XX/XX/XXXX dated letter from XXXX XXXX XXXX with the loss mitigation department advising the borrower they must call to indicate acceptance by XX/XX/XXXX ; And the XX/XX/XXXX " FHA FORMAL FORBEARANCE AGREEMENT '' that states i. ) the borrower must send the signed form back to Cardinal to accept the forbearance by XX/XX/XXXX, and ii. ) the FHA FORMAL FORBEARANCE AGREEMENT has language that states payments will be due from the borrower during the forbearance agreement.
Cardinal Financial refused to correct the language of the letter and demanded borrower sign as is or she will lose her chance to be placed on a forbearance agreement.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4294644
|
2021-04-13
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-04-13
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-14
|
| Consumer Consent Provided |
N/A
|
|
|
3937876
|
2020-11-05
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2020-11-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-13
|
| Complaint What Happened |
Beginning in XXXX of 2019 we began working with Cardinal FInancial Company in XXXX NY in an attempt to secure an FHA mortgage. XXXX XXXX Loan Originator | NMLS XXXX, assigned his newly hired cousin, XXXX XXXX, who does not show as an agent on their site.
This dragged on for 8 months as they constantly lost paperwork which I would resend from the original email to prove I was complying with their requests.
We were given several tentative closing dates beginning in XXXX, XXXX and XXXX.
With Covid luming we were panicking about furloughs. They told us not to worry there was a 6 week grace period. My daughter 's company furloughed her last as they knew our situation. Well, our lawyer and XXXX were waiting for the place and time and the night before closing they told us the rules had changed and deal was dead.
Prior to that, three weeks before this XXXX date we received a call at XXXX from Mr XXXX XXXX us we needed an additional {$10000.00} to show in our bank account, of course I panicked. I was then shouted at by Mr. XXXX, money or deal is dead! I managed to pull it off.
They also had us pay off numerous accounts and wanted us to pay off my car loan at the table. They made numerous promises to my car loan company which obviously all fell through.
There was a conversation between my daughter and Mr XXXX, because he had me so upset, in which he proceeded to scream and curse and her telling her it was a tough deal and it was our fault, to get an apartment. This conversation was about a month before it fell through.
I spoke with their advocacy department who referred us to the manager, which was Mr. XXXX.! from there it went to the east coast manager whose lack of professionalism explained why the local office operated the way it does.
We were promised the inspection money returned to us, which of course did not happen and is the least of our worries.
In spite of Covid we are back on track and have attempted to secure a loan with two other lenders. Apparently Cardinal did some irreversible damage to us.
The home we have been renting for 10 year will be going to auction and we will be homeless as of XXXX during a pandemic and with an XXXX XXXX,
|
| Consumer Consent Provided |
Consent provided
|
|
|
5866104
|
2022-08-10
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-10
|
| Complaint What Happened |
I applied for forbearance In XX/XX/XXXX and was approved. I requested an extension in XX/XX/XXXX so my forbearance ended XX/XX/XXXX. The mortgage company reported 120 day late on my credit report in XX/XX/XXXX which caused my credit score to drop almost XXXX points. I filed a complaint and they fixed it, only for it to be reported back on my credit report 1 week later with another 120 day late. I now have to contact all the credit bureaus once again to try and get this resolved when I just had to do this 2 weeks ago.
I was also awarded $ XXXX to pay back the past due balance from New York XXXX XXXX XXXX XXXXXXXX. They have been waiting since XX/XX/XXXX to hear from Cardinal Finance on how they would like the funds and Cardinal Financial has not responded with that information. They are doing nothing to resolve this issue and they keep reporting me to the credit bureau although I was in forbearance. I am getting extremely frustrated with this mortgage company as they are causing me extreme stress.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9122923
|
2024-05-29
|
Closing on a mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Closing disclosure or other related disclosures
|
| Sub Product |
VA mortgage
|
| Date Received |
2024-05-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-29
|
| Complaint What Happened |
New Home Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inspection Date : XXXX by XXXX ( Report can be provided ) The Sellers : Investors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX., and XXXX XXXX XXXX ) The Clear to Close : XXXX ; Closing Date : XXXX ; MOVED IN : XXXX Realtor : XXXX XXXX ( XXXX XXXX XXXX ) Broker : XXXX XXXX ( XXXX XXXX ) Attorney : XXXX XXXX XXXX I NEVER RECEIVED A NYS Property Condition Disclosure! After Inspection and the Clear to close, all communication stopped. I inquired several times with the broker and was assured everything was fine. Three hours before the closing I WAS DELAYED an entire month.
I was told the two investors selling the home were in litigation with one another and were not in agreement on terms. I was told many sellers do not want to work with the VA, and inventory for homes was low, so since the items were not outstanding, and I was already clear to close I should just get it resolved while living there.
I feel I was intentionally coaxed by the broker to close with obvious serious flaws and other and the little info I had, I now live here, and the items I've had to deal with are very much outstanding and major.
It seems every corner possible was cut or work done improperly or not at all. I need to know specifically WHO the two investors are and what work they did or, rather, what work they did not do so I can begin to address them.
On XX/XX/XXXX, I received a text from an XXXX who was referred by the attorney informing me about violations on my home before I owned it.
Currently, I have fixed several things in the home, and I haven't even unpacked any boxes. Many of my belongings are destroyed due to water/waste damage from the sump pump cesspool overflow into the basement and tub.
I have many emails and text chains of my attempts to get answers from the broker, sellers, and/or attorney.
Realtor : XXXX XXXX ( XXXX XXXX XXXX ) Broker : XXXX XXXX ( XXXX XXXX ) Attorney : XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6025663
|
2022-09-27
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-09-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-27
|
| Consumer Consent Provided |
Consent not provided
|
|
