PIC Capital, Inc. dba Direct Home Lending CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
02/23/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CO
  • 80138
 Web
I applied for a home mortgage on XX/XX/XXXX. I submitted everything, but we back out of the original purchase. We then purchased another new build. I submitted everything to the lender on XX/XX/XXXX. XXXX, updated documents, paystubs, w-2, etc via his website. I remember reviewing the XXXX- loan estimate. The fees were correct, and the rate was correct ; I saved it via his website. On XX/XX/XXXX, he emailed me I didn't get him the updated information to which I then emailed him everything, as I had forgotten I did everything on his website. I recently lost my dad, and my mom was in the hospital with XXXX. I was under a lot of stress. So, come XX/XX/XXXX, and he wanted me to sign another XXXX loan application plus another XXXX with higher fees to the tune of $ XXXX outrageous and a higher rate. I am a XXXX XXXX XXXX XXXX, so I am very familiar with the XXXX and how the mortgage process works. I do not want to sign this updated XXXX with significantly higher fees. Original fees were {$1500.00} around. He has already pulled my credit. I've shopped lenders and had my credit pulled 4 times because of other lenders pulling this same thing. I know I originally saved everything on his website, but it's all gone. Nothing is there, not even the original signed loan documents. This is unacceptable.
09/18/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • Trying to communicate with the company to fix an issue with the application process
  • TX
  • 75068
 Web Older American, Servicemember
Applied for loan in XXXX. Completed all paperwork requested. Completed required training in reverse mortgage and obtained certification letter. Completed loan company required home appraisal ( {$700.00} cost ) in XXXX. No communication since that time ( now XX/XX/XXXX ). No one answers phone, emails or text messages. I need immediate status or whether I should apply with different mortgage company ASAP.