| 03/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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I was purchasing a home and decided to use American Equity Mortgage as my lender. I was approved for the loan on XXXX XXXX and started to receive interest rates from the lender. At this point the rates were based on my credit score of XXXX. The rates they were quoting seemed higher than the average, but on XXXX XXXX I decided to lock a rate of 4 % with a .375 % credit ( {$750.00} ). The credit was worth the rate. Everything was going through fine until I was notified on XXXX XXXX that the lender did a soft pull on my credit and a collections for XXXX XXXX Florida showed up on my report. I immediately informed them that this was not mine. It was not there on the initial report they pulled in XXXX, which gave me a credit score of XXXX, with the collections it pulled my score down to XXXX and the lender was going to increase my interest rate and remove my credit. I was a victim of identity theft in 2014 and apparently this account with XXXX XXXX was opened fraudulently during that time. I immediately filed a claim with the FTC and filed a police report that same day. I contacted the collections company and told them this was fraudulent. They told me to send them the police and FTC report. I faxed the collections company the information on XX/XX/XXXX. I contacted them on XX/XX/XXXX to asked if they had received my fax and they told me yes and they had removed the collections and notified XXXX XXXX of the fraud. I asked them to fax a letter to the lender and they did so immediately. The lender forwarded the fax to XXXX to get my credit rescored. On XX/XX/XXXX, XXXX claimed they could n't except the fax for some reason, so I was able to email a copy of a letter from the collections to the lender at XXXX on XX/XX/XXXX. XXXX is claiming they did n't receive that letter until the evening of XXXX. The lender told me in an email that they should have time to get this done. I was originally told by the collections company that it would take 30 days, so the lender at least put my interest rate back to 4 %, but I was not getting my {$750.00} credit. This was nice of the lender, but based on this being a fraudulent collections the full rate lock agreement should be honored. At this point, I am thinking that the lender will honor my original rate lock agreement because I was able to get them everything they needed to get this fraudulent collections removed in time for closing on XXXX XXXX. On XXXX, I received my loan disclosure paperwork and I noticed my credit of {$750.00} is missing. I contacted the lender and I am told that they were n't able to get this done in time. XXXX of the bureaus completed the rescore, but not the other XXXX. I 'm disappointed at this point, so I ask if the rescore is done by Monday XX/XX/XXXX if I will receive my credit and I am told by the lender that I needed to sign the loan disclosure, without the {$750.00} credit, now or risk losing my deposit. So, I signed. Closing happened on XXXX XXXX, without the credit, so I contacted the lender to ask them why they did n't honor the rate lock because they knew the collections was from fraud and they said there was nothing they could do everything goes based on credit score. Even with that being the case, as of Monday XX/XX/XXXX, day before my closing, the fraudulent collections was removed from all bureaus and my credit score was back to the original amount. I really feel like the lender should have honored the full rate lock deal based on the extenuating circumstances. They knew my credit score before the fraud showed up and I gave them everything as quick as possible to correct it. I feel like the lender owes me {$750.00}.
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| 02/17/2017 |
Yes |
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- Application, originator, mortgage broker
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Web |
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The loan company is XXXX and the loan officer is XXXX.
Recently, I had a contract on my home. Over a month later, this lender decided to give a denial letter. We, my realtors, and the buyers asked if everything was ok just a week prior, he said market wonderful. Some issues from an old school debt but that ok. They wanted to extend the contract. Agreeing and asking for more, earnest money deposit. Now this lender waited until 1 day before closing and denied their loan. This has made my house months on realtor called he was very nasty. Condescending, and downright cruel. My name is XXXX the property in question is located at XXXX, FL XXXX From : XXXX Sent : XX/XX/2017 To : XXXX Subject : Re : Loan denial I think Neale should be responsible for that or the loan company cause we were not told about the income they just denied us now we have t start over for the third time this is the second house we lost cause of XXXX
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| 12/27/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Application, originator, mortgage broker
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Web |
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I contacted American Equity Mortgage company in XXXX, MO on XXXX/XXXX/2016 to get a refinance for my home mortgage. So I spoke with XXXX XXXX and give him all my information to pull my credit report as he suppose to call me back after few hours on the same day. I waited and he did n't call. The next day I called him back and left him a voice message and never returned my call and call them again few days later and left another voice mail and no one returned my call period. He did pull my credit report and 2 days later after he did so my credit score significantly dropped for unknown reason as there 's no negative information reported or added to my report. I believe I have been racially discriminated for no reason and I believe he did something to my impact my credit score over all.
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| 09/02/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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My newly former manager has been contacting customers for loans XXXX and XXXX without a license and has been doing so since as early as XXXX/XXXX/2016 when he took over as branch manager. There are XXXX mortgage originators licensed XXXX in that office and XXXX in PA but not the branch manager. He has violated XXXX rules since he arrived 7 months ago.
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| 06/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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American Equity Mortgage has accessed my credit report with out authorization.
Re : XXXX Would like this inquiry removed from my credit report.
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| 10/29/2019 |
No |
- Mortgage
- Conventional home mortgage
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Fax |
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| 05/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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| 05/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Phone |
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| 11/07/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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| 09/12/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
Older American |
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| 04/11/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Referral |
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| 07/30/2015 |
Yes |
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- Credit decision / Underwriting
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Phone |
Older American |
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| 07/08/2014 |
Yes |
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- Settlement process and costs
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Web |
Older American |
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| 04/30/2014 |
Yes |
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- Application, originator, mortgage broker
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Web |
Older American |
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| 04/15/2014 |
Yes |
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- Application, originator, mortgage broker
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Web |
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| 04/02/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Phone |
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| 02/13/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
Older American |
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| 02/12/2014 |
Yes |
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- Application, originator, mortgage broker
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Web |
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| 12/06/2013 |
Yes |
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- Application, originator, mortgage broker
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Web |
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| 11/18/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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| 08/04/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Application, originator, mortgage broker
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Web |
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| 08/03/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
Older American |
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| 02/12/2013 |
Yes |
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- Loan modification,collection,foreclosure
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Referral |
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| 02/01/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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| 01/16/2013 |
Yes |
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- Loan modification,collection,foreclosure
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Referral |
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| 11/22/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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|
Web |
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| 06/11/2012 |
Yes |
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- Application, originator, mortgage broker
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Phone |
Older American |
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