| 03/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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On XX/XX/XXXX, I submitted an online application at AMEC mortgage giving permission to pull my credit for a loan. Two weeks later, AMEC pulled my dad 's credit to add him to the mortgage and accidentally pulled my credit a second time. Through several email exchanges, this is what they determined.
The following are the emails from AMEC mortgage : XXXX we pulled your credit XX/XX/XXXX when we added your dad, XXXX pulled credit again because he did it on you and your dad. ( he really didnt need to pull yours again, but I think he forgot and pulled them as a joint account ). I have since called credit plus and they separated the 2 reports and the ones we will be using for your loan are the ones dated XX/XX/XXXX. We cant fix this but it doesnt make that much of a difference. I apologize for XXXX.
Email from his assistant : Please dont dispute this, it will show up on as a dispute and it will affect the loan approval. Every file has a soft pull 10 days prior to closing and that is where the dispute will show up. In order to get the loan re-approved, you would need to remove the dispute. I would suggest you dispute after you close, but not before.
Credit was pulled ( not arguing that ) but they say when it was pulled on XX/XX/XXXX and that it was a mistake. I was later told not to dispute it until after closing because it would hold up the loan process. So I waited. In the meantime, XXXX XXXX, the mortgage lender in charge here and I had a falling out due to terrible ethical practices that my realtor would love to be a witness to in court. It should be noted that XXXX owned a house on the same street that he was putting on the market shortly after my closing date. I wrote a bad review on XXXX and now XXXX XXXX is now retaliating against me by refusing to remove the accidental credit inquiry which has impacted my credit negatively. This is a hardship on my way of life and now I fear more retaliation since he has all of my personal information.. This has caused undue emotional stress and anxiety.
I filed a dispute with the reporting company and XXXX XXXX refused to remove the mark and sent a condescending letter. I just want my credit fix that he ruined through terrible business practices.
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| 07/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I am filing a complaint against American Mortgage and Equity Consultants, Inc of XXXX, MN for wrongfully influencing an appraiser 's opinion on a loan transaction. Page XXXX of the appraisal report, " addendum '', confirms the influence of the lender reads " ... so appraiser has opted to alter value per lender request. The newly reconciled value is {$200000.00} '' The appraisal report was completed on XXXX/XXXX/15 and then amended on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. The appraiser 's professional opinion was the home was valued at {$210000.00} with the support of XXXX comparables. The lender then required additional comparables to be added. The appraiser complied with their request and added an additional comparable ( comp XXXX ) to also support the value of {$210000.00}. This additional comparable adjusted to a value of {$220000.00} which is above the value that was originally justified. The lender again reached out to the appraiser and required them to reconcile value of the home within comp XXXX,XXXX or XXXX. The appraiser was unclear on this request, as am I as they are the least similar to the property and it 's the appraiser 's professional opinion to determine which comparable are deemed appropriate. As a result of the continuing pressure from the lender the appraiser then adjusted the value down to {$200000.00}, again " alter value per lender request ''. The appraiser did not provide any indication on where the value of $ XXXX could be calculated used the adjusted valued of the XXXX comparables within the report and did not provide any indication as to how the comps used could be weighed to reach this figure. The first page of the appraisal report confirms that Regulation Z will be met which is " no indication of bias, attempts to influence or intimidation, pertaining to any portion of the appraisal reporting process was transmitted from the lender to the appraiser through Guideline AMC ''. American Mortgage Equity and Consultants, Inc ( AMEC ) have clearly violated Regulation Z and influenced this appraiser to reduce the value of this home.
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| 07/10/2020 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our loan originated with AMEC on XX/XX/2020 subsequent to a refinance for the total amount of {$210000.00}. Our first payment was processed and removed from our bank account on XX/XX/2020 for {$970.00}. Subsequent to that we recieved notice that our mortgage provider had changed some of their information such as address and phone number but that it was still AMEC ( thus our mortgage was " transferred '' but within the same company ). This happened on XX/XX/XXXX. A 2nd payment that we made in the midst of the transfer was processed XX/XX/XXXX for another {$970.00} through the " new '' company HOWEVER upon transfer of the loan from the original AMEC to the " new '' AMEC, our first payment did not transfer. IE our original loan was {$210000.00} and was transferred as {$210000.00} when really it should have been less due to that payment deducted from our bank account XX/XX/XXXX prior to the transfer. I reached out to AMEC about this on XX/XX/XXXX when I noticed the discrepancy. They told me to fax the cancelled check and any other documents to them for review. I did this and via a follow up chat was told my balance would be adjusted by XX/XX/XXXX, XXXX weeks after sending them the documents. I saw no change on XX/XX/XXXX so reached out again on XX/XX/XXXX and XX/XX/XXXX with NO response. Thus I am asking the CFPB for help in resolving this matter and having that first payment applied to our mortgage as it should have been.
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| 11/30/2015 |
No |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I applied for a loan with a company called American Mortgage & Equity Consultants back in XXXX. We were told that we could start construction on a new home before our old home sold and would not have to put any money down until construction was complete. This turned out to not be true. They expected money up front before construction started so we left and went to another company shortly thereafter. Recently I received a letter stating that our loan with them was not approved because of a lack of funds. We did not give them permission to run our credit report within the last 6 months, and we were not rejected for a loan. We left them because we did not trust working with them. I am afraid this fake rejection will negatively impact my credit score.
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| 10/06/2020 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Phone |
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| 07/07/2019 |
No |
- Mortgage
- Conventional home mortgage
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Web |
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| 04/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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| 07/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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