| 02/12/2019 |
No |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/XXXX, I had a rate lock with XXXX XXXX XXXX ( XXXX ) for a cash-out loan in the amount of {$190000.00}, with a 30-year fixed rate of 4.375 %. My total closing costs were estimated at {$4700.00} on line D of my Loan Estimate. I locked this rate.
Shortly after, I was contacted by XXXX with a refinance offer where I would get an initial cash-out refinance, promising a secondary refinance at a sub 4 % rate with a long-term rate lock, and with the secondary loan being of no-cost to me. After some skepticism, I was re-assured that rates were priced through the end of the year since Global is a direct lender who can set their own rates. The no-cost refinance is also advertised on Globals website. I was assured that I would be able to get a 180-day rate locklikely at 3.8 % in XX/XX/XXXX, as soon as I had paid down some of my higher interest student loans ( which was the intention of the refinance ). I cancelled the XXXX loan on XX/XX/XXXX, and have emails and credit card statements supporting both the rate lock and the refund.
On XX/XX/XXXX, I received a Closing Disclosure with a loan amount of {$190000.00}, with a 30-year fixed rate of 4.99 % with the Total Loan Costs on line D coming to {$5000.00}. This is the loan that had a closing date of XX/XX/XXXX. It should be clear that I accepted the terms of the XX/XX/XXXX loan because of the promises made for a long term rate lock at a considerably lower rate.
XXXX did not lock the rate in XX/XX/XXXX, and between XX/XX/XXXXand XX/XX/XXXX I tried to push forward with the secondary loan, during which time lots of back and forth conversation happened. I have texts of correspondence during this time. On XX/XX/XXXX XXXX claimed to have locked 4.25 % for 180 days the week prior to our messages, indicating that it should be able to go lower.
On XX/XX/XXXX XXXX reiterated that, worse case scenario we have the XXXX and hoping that we can go lower, specifying that it should be able to get to XXXX. XXXX gave several excuses as to why the loan could not be closed until earliest XX/XX/XXXX, which was news to me but which he should have known the entire time.
On XX/XX/XXXX XXXX informed me via phone call that the 4.25 % rate lock in XX/XX/XXXX had only been a 30-day lock, and that rates had since gone up and I could no longer get the 4.25 % rate. He said that he would lock a 4.5 % float-down rate at no cost to me, and would get me the paperwork by the end of the week. I had not received any correspondence or paperwork by XX/XX/XXXX, so I called Global and requested to speak to XXXX supervisor, with the intention of requesting a different loan officer. I was transferred to XXXX and left a message, which was never returned. I had requested to switch officers previously when XXXX mentioned that he had personal issues causing delays in correspondence, but he assured me that he could handle it and refused to transfer my account.
On XX/XX/XXXX the loan was again delayed, which I found out was because XXXX was using my income from XX/XX/XXXX. This income pre-dated our business together, and there is no reason that XXXX should have been using that income. He pulled my credit without getting my permission, without notifying me, and without locking a rate. I was notified of an inquiry by a credit monitoring agency, and called the requester to learn that XXXX had been the one to make the inquiry. He apologized, but could not provide an instance when I gave him permission for the inquiry. I was unpreparednor did I believe it necessary considering his numerous promisesto contact other lenders during the mortgage window. XXXX is now demanding that I produce proof of a lower rate lock in order to honor his original promises.
On XX/XX/XXXX XXXX claimed to lock at 4.5 %, which I confirmed via text, but which also seemed to be untrue since he is now claiming that 4.625 % is the lowest rate that I can get without additional costs to me Throughout this process XXXX has repeatedly claimed that I would be able to get a sub 4 % rate and also to have locked at 4.25 %, but those claims were untrue. XXXX had also indicated that I could get a float down loan, but that was determined to be untrue without financial costs to me ultimately negating the benefit of a secondary refinance. Now XXXX claims that he is unable to offer the free refinance without a higher interest rate, which has none of the benefit that he reiterated again and again as his selling point in XX/XX/XXXX, and which is not as advertised on Globals website. This situation negates the cost benefit of the refinance and forces me to stay in a loan with a much higher rate that I would have had with my original AIM loan.
On XX/XX/XXXX XXXX emailed indicating that a 30-year loan wasnt possibly and that we had discussed that before. I did not recall having discussed that at all, and when questioned about the occasion on which we spoke about it XXXX was suddenly able to get a 30 year loan. He also indicated at that time that a 3.875 % loan was possible with 2 points. This is the loan that I expected, with no points, as per his promise. Such a loan was clearly still possible in XX/XX/XXXX.
On XX/XX/XXXX, I finally received a Closing Disclosure with a loan amount of {$200000.00}, with a 30-year fixed rate of 4.375 %. This comes with an additional Loan Cost of {$4400.00}. This represents a total Loan Cost of {$4700.00} + 6-mo in differential interest ( ~ {$600.00} ) more than if I had simply kept the original cash-out loan offer through AIM, which I had cancelled due to Dustins promises.
In an attempt to remedy the situation, I informed XXXX that I had suffered some fairly straight forward financial losses due to his misunderstanding of rate lock policies and/or inability to lock as promised. I outlined my losses and presented options for correcting the loan, which were in keeping with his many promises, but which he indicated numerous times via email that he has no intentions of doing. XXXX insists on only looking at current market rates, and neglects his original promises that 1 ) I would be able to get a 180 day rate lock in XX/XX/XXXX when rates were considerably lower than they are now, and 2 ) that he has repeatedly assured me that worse case scenario I had a rate of 4.25 % locked.
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| 11/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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On XX/XX/XXXX XXXX and XX/XX/XXXX I spoke to XXXX XXXX on the phone regarding refinancing my current home mortgage to reduce the percentage rate.
XX/XX/XXXX XXXX he sent a list of documents that I needed to submit.
XX/XX/XXXX XXXX and XX/XX/XXXX I was asked for more documents and I sent them XX/XX/XXXX and XX/XX/XXXX I was asked for more documents and sent them XX/XX/XXXX I received the loan disclosures XX/XX/XXXX XXXX said We were finished with documents and they were good to go XX/XX/XXXX a mortgage company contacted me I didn't recognize them and I asked XXXX what mortgage company would be contacting me XX/XX/XXXX XXXX said " something changed '' and I received a list of more documents I was required to send for final approval. In the meantime I received a packet of papers stating that I wanted to continue with the loan and I was supposed to submit them by XX/XX/XXXX but didn't receive them before XX/XX/XXXX XX/XX/XXXX I sent more paperwork in XX/XX/XXXX more paperwork was submitted XX/XX/XXXX more paperwork was submitted XX/XX/XXXX requested more paperwork from the 2nd large list of paperwork sent to me. I submitted what I could and more more documents were requested. I had to pay my accountant for some of the paperwork so I was already putting out money for something I did not receive anything back from. Global Equity Finance had already added themselves to my homeowners insurance policy causing my current mortgage company to not have access to the bill to pay it. Why would they add themselves to my policy if they did not approve my loan. Trying to XXXX up my credit is the only reason I can see for why they did that. If they still needed paperwork why were they proceeding as if the closing documents have been signed. Underwriting wanted XXXX taxes on business and personal which were not filed yet because of the pandemic. XXXX stated that the XX/XX/XXXX tax deadline had passed and it was a new requirement. We had not finished the old application so why are we using new requirements XX/XX/XXXX I explained to XXXX my application was not new and since we were in the process long before the new rules we should be proceeding as planned especially since they were adding themselves to my home owner 's policy as if they were my new mortgage company XX/XX/XXXX XXXX replied with a bunch of XXXX. I had paid {$490.00} for an appraisal which I was told I would get a copy of and never received. Therefore ; I could not take it to a new mortgage company and if I had applied with anyone else I would have had to start this process over and also get another appraisal and pay more money they acted as if I was approved but treated me as if I wasn't at the same time. I am requesting my {$490.00} back. I am filing this so late because the pandemic held up a lot of things and also I kept on waiting and waiting for them to get back to me XX/XX/XXXX I email XXXX about the status about the status XX/XX/XXXX he stated everything was submitted to underwriting XX/XX/XXXX I thank XXXX for the update XX/XX/XXXX I sent more documents XX/XX/XXXX I signed documents sent to me XX/XX/XXXX I asked for an update XX/XX/XXXX XXXX emailed he would call with an update on XX/XX/XXXX XX/XX/XXXX underwriting questioned my business bank statement and ask for more paperwork wasted more of my time On a phone call with XXXX he called the banker 's rich old men who didn't understand what they should be doing or something like that. Why did he even match me up with that particular bank. The underwriters couldn't do simple addition and subtraction. I had received a loan from the XXXX in XXXX and big surprise I used it on business bills.
I paid for an appraisal. They buried me in paperwork. I consider this a scam.
XX/XX/XXXX I set via regular mail a letter requesting the money back from the appraisal.
XX/XX/XXXX I sent a certified copy of the same request and as of this date I have not heard back from this company. I also have not received a letter of denial. Their practices are shady.
XX/XX/XXXX I submitted a XXXX complaint.
XX/XX/XXXX XXXX sent a copy of the complaint to the company.
XX/XX/XXXX The company wrote the XXXX that XXXX XXXX has not worked for their company for some time. I replied the same day that this should not matter as they should have assigned someone else to my account and that does not mean they should not refund me for the appraisal.
XX/XX/XXXX They now want to end me a copy of an appraisal that is over XXXX XXXX XXXX. The appraisal no longer is valid.
XX/XX/XXXX Even though I protested the company 's solution of sending me the old appraisal instead of a refund ; XXXX closed the case.
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| 09/29/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Its just that my closing manager whom took over the rest of my loan, which i was looking into my equity but they stated i can apply for a " cash-out '' loan since i do not owe much ... ..but we ran into a problem, the underwriter was asking for verification that the inro was clear on the " contracts '' that i had sent them ... ..but the actual problem was the actual closing loan officer... he would not listen to me ... .either he would not really pay attention or he might of been doing something else as i spoke therefore he misunderstood me several times ... he wouldn't really hear me out ... .on top of it he a couple of times just shut me up by raising his voice and stating we can call and see after the weekend which mind you it was a 3 day weekend but there was nothing else i can do... ..one time he even told be that they are not going to sit there and read the Deeds out ... which exactly what i needed them to do since i was here reading them for days since Deeds are so misunderstanding ... .they wanted to pay out some HUD housing help that received years ago which is fine but if they are already paid ... .i tried a couple a times that i did not have anything that states that but it does on the Deeds if you read them out... ..but this process was so frustrating which even made me cry a couple of times ... .and i think it mostly was because of how the loan officer would act with me ... .after he found out that we needed all that he because a little haustel, i should say, he was really rude with me and like i said he would not let me explain about what i was sending and why but at first he just misunderstood ... .but it just seemed as if he was doing something else at the same time and after i sent the info he just rudely asked me what it is that i am sending him... it was so frustrating ... ..i just felt that when he saw i may no qualify because of that, his whole way of talking to me changed... i was more like a bother, a waist of his time, like i irritate him, etc... .and when i tried to talk to him about it, he would deny everything... it was so shocking... I had requested to speak to his boss but at first he denied even having one, that he is the manager and there is no one else ... .at the end he did send me to the loan officer that i started the loan with, stating that he was his boss which did not sound write if he was just a loan office and whom i am complaining about is a manager loan officer or something like that ... .so i explain either way to the boss but he even stating things like he was the one speaking to but there is no way, i had emails, i had phone calls ... .so he too was lying but he was nicer he did explain about the actual loan... .bottom line i went with another Bank to do my equity loan but it was not a light decision, i mean we had weeks into it and i had to start all over, my credit would be checked again, the loans might be higher, etc ... but the thing was i had paid for my appraisal which another that was another problem, since i was not even told ever that i was going to have to pay that out of pocket until after papers were signed and that the time came to fill out my card info to pay it ... ... and yes i did but that even took a toll on my family... .on top of everything that is happing to the economy ... .how the gas went up, the food went up, ect so i did i asked if i can get my money back since i didn't take their loan because i didn't qualify or like the rate but because of the quality of customer service that they gave, it was an awful experience ... .but they refused ... .and also denied most of it ......
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| 08/13/2018 |
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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XX/XX/XXXX - I initiated a call to Global Equity Finance after receiving multiple letters from them advertising their low interest rate to refinance mortgage and get a cash out. My call was transferred to XXXX XXXX, XXXX XXXX, Executive Loan Consultant | XXXX ID : XXXX, Direct : XXXX. Later that day I received an estimate pertaining to my inquiry ( refer to the attached file containing email exchange with Global Equity ).
XX/XX/XXXX - I was told I need to pay {$480.00} for home appraisal, but that charge will be refunded in case Global Equity is not able to offer me the exact terms we discussed ( 4.875 % interest rate, $ XXXX cash out ). My credit card was charged for {$480.00}.
XX/XX/XXXX I received a link to review and sign electronic documents. Upon reviewing the documents, I found out that the terms of the loan were different from what was previously discussed, the closing costs were exorbitant, the cash out amount was less, and the interest rate was higher. I have emailed XXXX XXXX telling him the terms were not acceptable and that I will not be moving forward with a loan. XXXX said Global Equity is still structuring my loan, and since then I received several iterations of the estimates, none of which were acceptable to me. No electronic documents were ever sent to me, and all links where I could access the documents, were quickly disabled, so I never got a chance to get and keep a physical or electronic copy.
I have requested a refund of the appraisal fee of {$480.00} multiple times by email and over the phone. I have been in contact with XXXX and his supervisor. I have also reached out to Global Equity legal department to no avail.
I understand that under Regulation Z, I'm entitled to a refund if I do not close, or close and rescind : Reg. Z - 12 CFR 226.15 ( d ) Effects of rescission.
( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void, and the consumer shall not be liable for any amount, including any finance charge.
( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.
Appendix c : Paragraph 15 ( d ) ( 2 ).
1. Refunds to consumer. The consumer can not be required to pay any amount in the form of money or property either to the creditor or to a third party as part of the occurrence subject to the right of rescission. Any amounts of this nature already paid by the consumer must be refunded. " Any amount '' includes finance charges already accrued, as well as other charges such as broker fees, application and commitment fees, or fees for a title search or appraisal, whether paid to the creditor, paid by the consumer directly to a third party, or passed on from the creditor to the third party.
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| 08/20/2021 |
No |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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XX/XX/XXXX signed online Closing Disclosure was good with it. On XX/XX/XXXX the notary came over at XXXX XXXX and had me sign papers. He was lining the paperwork up like three at a time for me to initial and sign. I never saw any figures or quotes. I assumed everything was as I signed online. Saw no figures and was shown none. The notary keep sawing it was the easiest signing he had and I didn't understand that until Friday night when I had time to sit down and go over things. I found that the Closing Disclosure that the notary brought left in my package was different from the one XXXX XXXX the Senior Manager Banker with Global Equity Finance had me sign online. Which I had a copy of in my computer. Copied it off and compared the two. The closing cost went up by {$1000.00} dollars. {$6500.00} to {$7500.00} The Cash at closing went down {$2500.00} from {$8600.00} to {$6100.00} and the Payoff to XXXX XXXX XXXX for mortgage loan went up {$1400.00}. along with other costs. I called XXXX XXXX Monday morning and told her everything that was wrong and I was going to sign the Notice of Right to Cancel. Which I had three business day to do per the paper work. She keep giving me excuses and telling me how it would be made up with what I would get back from XXXX XXXX. in escrow and what they would owe me and for me to wait till Wednesday. She keep telling me to wait till Wednesday. So Tuesday when I say what they had deposited into my bank account {$6100.00} vs new Closing Disclosure {$6100.00} I immediately signed the Notice to Cancel and sent it overnight delivery to Global Equity Fin. that day. I tried calling and XXXX XXXX all day Tuesday and she would not answer my calls or text messages I even emailed her. Wednesday the day she wanted me to wait till she called me that afternoon. Told me she did not say anything that she said and told me Monday was the third business day so I was to late.I thought Fri, Mon. Tuesday where the three business days. She said she didn't tell me the escrow stuff because she had no way of knowing that. Which she did. She had a copy of my XXXX XXXXXXXX XXXX XXXXXXXX. Then she said she would have her manager call me Thursday. Today. Which I waited and no one called. they are now ignoring me. Wednesday afternoon I did get a check from the title company to pay off my credit card. That was for {$11000.00} which was the only thing right per the XX/XX/XXXX Closing Disclosure. I just want Global Equity to do right by the first Closing disclosure that I signed online with XXXX XXXX. Can you help me. I feel I have been scammed and age discriminated against. I have not spent any of the money. I even told XXXX to take it back.
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| 03/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We started a refinance with XXXX XXXX at Global Equity Finance back in XXXX of XXXX. Paid out of pocket for appraisal and a foundation engineering certificate, at a cost of over {$1000.00}. We were told we were locked into a 3.5 % interest rate.
Months go by, we have to re-submit documents and pay stubs, I had to do three seperate conference calls with our current lender to verify there has been no late payments in the last 12 months. Two of these calls were in the same month! Also I was advised 3 months in a row to not pay the mortgage to our current lender, because our refi was " closing this month ''. So, including this month I had four late charges I had to pay for. We were very dilligent about getting anything they asked for as quickly as possible.
Finally, five months later, I was told we were clear to close on XX/XX/XXXX. But the closing disclosure that we E-signed had a rate at 3.625 instead of the promised 3.5. I call XXXX and he informed me our debt ratio caused this. I reluctantly accepted that and just wanted to be done with this whole mess, so we went ahead and E-signed the closing disclosure at a 3.625 rate.
I was told to meet up with the Notary at XXXX XXXX on XX/XX/XXXX to sign the hard copies of our loan. So, I happily was driving to meet said Notary to do so, and at about XXXX I get a call from XXXX XXXX, who said he was a supervisor at Global Equity and he tells me I can not sign today, and they moved our interest to a 4.5 %!!!! This was 30 minutes prior to signing, while I was driving to meet the notary!!!! How can my rate keep changing, especially after I E-signed on a XXXX XXXX And literally minutes before signing the hard copies???? After XXXX months of being strung along to boot.
This company has caused my Wife and I a great deal of stress, and money loss. The {$870.00} appraisal does us no good now, as they are only good for 120 days. That's 10 days from today.
I informed XXXX by phone I will be submitting this complaint with you, and followed up with an Email to him and XXXX XXXX.
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| 05/19/2021 |
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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On XX/XX/XXXX I spoke with XXXX XXXX of Global Equity Finance Group , Inc, who can be reached as follows : XXXX XXXX XXXX Senior Loan Officer XXXX XXXX XXXX Direct : ( XXXX ) XXXX Email : XXXX Global Equity Finance , Inc .
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX refused to give me a loan estimate without documentation. I asked for his manager. I then spoke to XXXX XXXX, Senior Director of Sales who said they are not required to give me a loan estimate unless I provide documentation to them.
I then read MrXXXX XXXX the rules ( see below ) explaining that they are required to give me a loan estimate within 3 days and they refused and reiterated that they do not have to give me a loan estimate unless I give them documentation, that I am misinformed and quoted me a law from XXXX. I provided all of the information that is listed below and is required to qualify for the loan estimate and they did a soft credit pull to confirm.
Every website I have checked, confirms that the information below is correct and that I should be given a loan estimate.
Thank you for your kind consideration.
From your website : https : //www.consumerfinance.gov/ask-cfpb/what-information-do-i-have-to-provide-a-lender-in-order-to-receive-a-loan-estimate-en-1987/ LAST REVIEWED : XX/XX/XXXX What information do I have to provide a lender in order to receive a Loan Estimate?
Since XX/XX/XXXX, loan officers are required to provide you with a Loan Estimate once you have provided certain information.
Loan officers are required to provide you with a Loan Estimate once you have provided : your name, your income, your Social Security number ( so the lender can pull a credit report ), the property address, an estimate of the value of the property, and the desired loan amount.
Your loan officer can not require you to provide documents verifying this information before providing you with a Loan Estimate.
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| 08/06/2021 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I signed my mortgage loan closing papers with Global Equity Finance, Inc on XX/XX/2021. The XXXX listed Cash to Close to Barrower at {$2300.00}, The Closing Disclosure signed on XX/XX/2021 listed the Cash to Close at {$2300.00} To Barrower.
The Final XXXX shows payment to Barrower at {$2400.00} ( Disbursement Date : XX/XX/2021 ) On XX/XX/2021 I received a new Closing Disclosure to sign thru XXXX XXXX. It listed Closing Costs included - {$990.00} in Lender Credits and Cash to Close at {$3600.00} To Barrower.
Also on XX/XX/2021 I received an email from XXXX XXXX on behalf of XXXX XXXX XXXX, XXXX stating they had purchased my loan and was discovered that the Final Closing Discloser was missing Lender Paid fees. They were re-disclosing and where providing a copy of the final document.
On XX/XX/2021 I received an email from XXXX XXXX of XXXX XXXX noticing the new Closing Discloser showed they lowered the Points and gave a Lender Credit. She stated it was done Post Closing and not done by Escrow.
On XX/XX/2021 I sent XXXX XXXX of Global Equity Finance an email regarding this issue and did not receive a reply.
On XX/XX/2021 I sent XXXX XXXX of Global Equity Finance and cc : XXXX XXXX of Global Equity Finance an email regarding this issue and did not receive a reply.
On XX/XX/2021 I sent XXXX XXXX of Global Equity Finance an email regarding this issue and did not receive a reply.
What happened to the {$1200.00} Cash to Close to Barrower?
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| 06/03/2020 |
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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We were looking at option to refinance, and Global Equity Finance through XXXX XXXX called me. It's funny that before even give me estimates, he already asked for personal documents which he reasoned is how they do it so he can quote me a good rate.
I did submit them. I was given Loan Estimate twice. I said we are ok with the rate and we can proceed.
Simultaneously I was dealing with another mortgage companies. he offered me a rate slightly higher than what Global Equity Finance offered. I could not pass offer of Global Equity, thus, i declined this.
We waited until after the memorial day weekend, and has been following up, only to find out that the person we were dealing with was terminated.
Because of the promise that was given to us, we missed other opportunities. We told them about the offer and showed to the new loan officer, and we were just told that we had a good offer, and then nothing!
How would we know we are dealing with crooked loan officers? where is the check and balance there? How about the opportunities we lost!
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| 03/07/2022 |
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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There isn't a topic choice applicable. I would like to file a complaint against this Mortgage Lender. These XXXX have repeatedly been filling my mailbox with phony come-ons disguised to look like official mail from my mortgage lender in order to solicit for their scam refinancing offers. Despite having opted OUT of all XXXX mailings years ago, these crooks continue to send me solicitations. I have asked them to stop, I have filed XXXX complaints demanding they cease and desist, and despite them telling the XXXX that they will, the phony mailings continue. They disguise their junkmail to look like mailed checks. Their name is not visible until the mail is opened, and the From Address indicates : notification regarding ( name of my lender ) Loan with a phony notice ID number. This is obviously done to fool the recipient and is a sleazy practice that I believe is illegal. I would also appreciate it if these XXXX would stick their noses out of my personal financial business, as they apparently comb records looking for people to scam
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| 08/31/2017 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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Trying to refinance or streamline present mortgage. Have low credit scores and several companies trying to " assist ''. XXXX XXXX from Global Equity Finance , Inc contacted us and said they can assist ... records I have begin on XX/XX/XXXX. Spoke with XXXX a week ago and said he just needed records of payments to XXXX which I sent. At that time he said loan was to close at the end of this month. I tried to call Monday, XX/XX/XXXX and the phone had a message that XXXX was out of the office. I tried to call XXXX and Global Equity today XX/XX/XXXXand both numbers were not working.
Contacted the FTC who advised me to contact XXXX XXXX and put a 90 day fraud alert on the credit report and requested I put a monitor on the accounts which I did, hesitantly.
Prior to sending payment record from XXXX I submitted all credit information via fax, email and telephone.
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| 12/29/2021 |
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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I was solicited via direct mail by Global Equity Finance in XXXX of XXXX for a refinance on my existing conventional home loan. I responded to the advertisement and was told to apply online and was approved on XX/XX/XXXX. I subsequently provided all the necessary documents requested, paid for an appraisal, new HUD tags, etc. and was supposed to close yesterday, XX/XX/XXXX. I was told today that my home is ineligible for refinance because the build date was XXXX. They said their records showed my home was built in XXXX. I never provided that date, their records were wrong, they solicited me and charged me hundreds of dollars during the process and then cancelled the refinance. I should not be financially burdened by their incompetence and incorrect data. Had I ever been asked what year the home was built I would have told them XXXX.
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| 10/25/2018 |
Yes |
- Mortgage
- Reverse mortgage
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Web |
Older American |
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I received a variety of quotes from reverse mortgage vendors and originally Global Equity provided one of the better quotes. However ; during the process of gathering information one of the vendors offered a XXXX cost loan. Global Equity offered to match and I decided to stay with them. When I received the final paperwork the XXXX cost loan offer had been retracted and I signed the paperwork under protest. See letter sent to Global Equity in XXXX of 2018 and email received from Global Equity offering XXXX cost loan.
XXXX XXXX XXXX
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| 03/04/2019 |
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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I have received numerous solicitation calls for refinancing after asking to be placed on the do not call list. on XX/XX/19 an associate from Global Equity Finance ( XXXX ) reassured me that he can lower my monthly mortgage payment and that all he needed to do is ask me several questions. I answered his questions then he said I will run the numbers and call back. Within minutes I received a notification that my credit file was accessed although I did not give consent for this.
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| 12/10/2018 |
Yes |
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Web |
Older American |
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my wife and I XXXX, call this company to Refinance, everything they ask forms paper they got it, they give us closing day, so they sent that person to signing the documents XXXX days after the closing the titles personal call me above other finance documents that they needing, they had XXXX days to collect all the information to continue or to stop the Refinance process.
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| 09/11/2023 |
Yes |
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- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
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Web |
Servicemember |
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| 02/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Phone |
Older American |
|
|
| 04/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 06/11/2020 |
No |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 07/26/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 07/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 02/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
|
| 12/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 09/26/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 02/23/2018 |
Yes |
|
- Trouble during payment process
|
|
Postal mail |
Servicemember |
|
|
| 03/02/2017 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
|
| 04/06/2016 |
No |
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
|
| 04/06/2016 |
No |
|
- Application, originator, mortgage broker
|
|
Phone |
Older American, Servicemember |
|
|
| 11/01/2015 |
No |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|