| 01/21/2023 |
Yes |
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Web |
Servicemember |
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CFPB Complaint by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sellers Lenders Servicers Insurers; Originating, Participating & Profiting from Fraud in this VA Home Loan Real Estate Transaction of: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Low VA Rates, LLC., are under a monitoring agreement with CFPB, and we believe their participation in the fraud outlined in this complaint clearly demonstrates their willingness to continue to deal in financial deceptions.
This complaint involves the below companies, and the timelines they actively participated.
Referred to as Company or Companies
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (LVAR) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ceased to legally exist in XXXX and were counterfeit and fraud in being used past that date. These identification numbers were used to create and develop the address of XXXX XXXX XXXX XXXX XXXX Idaho XXXX, as a legally New manufactured home, set and declared as real property.
These counterfeit numbers are the sole source of every contract in this complaint that every participating company or individual in this transaction relies upon. The creation of the fraud was intentionally calculated and designed to be concealed for illicit gain.
Unless otherwise stated, this section refers to the XXXX transaction. (mh) refers to manufactured home, whereas (ms) refers to manufactured salvage/structure. XXXX XXXX XXXX XXXX XXXX XXXX, responded to a publicly advertised real estate mls in XXXX for a home on XXXX acres. The property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX was offered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, referred to as the XXXX Sellers. (Exhibit 1)
a. XXXX is affiliated with XXXX XXXX XXXX XXXX XXXX), the XXXX XXXX XXXX XXXX XXXX XXXX agent acted on behalf of us and XXXX Sellers and informed us that this property was sold a first-time in XXXX and the manufactured home (mh) on it was new when set in XXXX. (Exhibit 1b)
i. We asked why no title was obtained, and were assured the title had been eliminated, by the Certificate of Origin (as a new mh when set as real property in XXXX), and the vehicle title was surrendered through the DMV process.
c. We had the right to believe and rely upon what was presented to us was true by XXXX in the XXXX deal. XXXX breached contract by fraudulent misrepresentation. (Exhibit 1c)
2. The property listing we were initially drawn toward was, (Exhibit 2), fit VA requirements, per our realtor and lender. The mls listed the manufactured home (mh), advertised as High-end XXXX XXXX XXXX sq. ft, VA financeable.
a. It was originally presented to be new in XXXX, according to a prior mls listing. (Exhibit 2a)
3. Our realtor agent urged a referral for Lenders agent, who was with XXXX XXXX XXXX, who in turn referred us to the structural engineer, appraiser and the property Title Insurer, XXXX XXXX XXXX XXXX XXXX. We were told that this little group worked well together, and each knew their duties.
a. The Appraiser, in his VA and Lender appraisal, noted no HUD Labels, (Exhibit 3a), yet still completed his appraisal, comparing this illegally set structure to legally set ones.
i. Appraiser, according to the HUD rules, should have stopped. Instead he continued and completed his appraisal report as if everything was complete and legal. (Exhibit 3i)
b. The VA has informed us that if the facts of this appraisal do not meet the requirements, their remedy could be to indemnify the VA obligation in this loan/contract.
c. In XXXX, VA staff verbally advised us not to make further repair on the (ms) since our intent is to have it removed and replaced to the legal purchase that we intended and believed was made in XXXX.
d. Sellers and Lenders did not obtain the legally required HUD certification verified through the national database, IBTS, (Institute of Building Technology & Safety). (Exhibit 15) e. Given that the (mh) was presumed and advertised as new in XXXX, there was no logical excuse or reason for this legally vital information to not have been available. (Exhibit 3e)
f. We have been repeatedly informed by nearly everyone we have discussed this with, that the process is simple; when HUD Labels are missing, then an IBTS equivalent is required, which, to this date, on this property, nobody but us has ever provided. The one we got in XXXX should have been obtained in XXXX by Sellers, Lender, etc., and our IBTS confirms the transaction was never legal. 4. The entire XXXX home property sale and purchase turned out to be a clear fraud.
a. The (mh) being advertised, presented and sold, was not even close to any of the mls descriptions. The claimed (mh) was, in fact, legally a manufactured salvage (ms), and legally non-existent past XXXX. 5. Sellers, Lenders, Servicers, etc., had a duty to know this sale was not legal, that the (mh) was not financeable under VA, nor legally existed past XXXX, when it was wrecked, HUD decertified and only for salvage use.
a. Sellers, Lenders, Servicers and Insurers rules, guidelines and/or procedures, require knowing it.
i. Each financial institution admits knowing the rules; each point to another for liability. 6. The fact is that all the profiting institutions and/or agents misrepresented and misled us in the XXXX fraudulent sale, and none complied with the legally required duty to disclose.
a. The financially profiting parties assured us all requirements were met and the sale was good to go. We believed and trusted them that the (ms) was as advertised, and was legally set, legally declared and legally taxed as real property. 7. Additional concealment was in Sellers contract, where Sellers inserted non-existent HUD Label certification numbers as if they had legal standing, knowing they were not legitimate. (Exhibit 7)
a. Every contract or obligation that relied on this forged and fraudulent information is counterfeit. 8. With parties assurances of legal compliance, we closed the mortgage deal in XXXX, XXXX. This closing further buried the intentionally, fraudulently concealed information, that is now known to us, from which Sellers, etc., created the financial fraud which continues to compound damages.
a. The VA (Veterans Affairs) acted as guaranty and has informed us that it would not have done so had the true history and character of the home property been known. 9. Sellers breached our XXXX contract; the (ms) property was not legally insurable. (Exhibit 9). a. Our home-owner insurance was cancelled after the confirmed fraud. Multiple attempts to obtain other home property insurance (aside from liability), is unavailable. (Exhibit 9a)
b. Sellers, XXXX XXXX XXXX, had a duty to know of the fraud in XXXX. (Exhibit 13a) c. Sellers all had a duty to not commit real property mortgage fraud; the (ms) was not eligible to sale for habitation purposes, and Sellers, Realtors, Lenders and Insurers knew that our intent was to purchase a home. (Exhibit 9c).
d. We relied on the representation of the (ms) as legally qualifying and it did not. (Exhibit 9d) Sellers, etc., had a duty to know the (ms) was not eligible under Seller, VA, etc., rules. (XXXX)
XXXX. Our XXXX title insurance policy/contract with XXXX, etc., states, Amount of Insurance: XXXX. This figure is derived from the entire purchase price which included the (ms), not just the XXXX valuation for acreage only, that Insurers now claim thats all it covers. (Exhibit 10)
a. Insurers took money from us to cover the (ms). We insist this is proof the (ms) is fully covered.
b. Our contract affirmatively covers adverse events of fraud, forgery, improper or unauthorized filings in official records, and adverse events affecting property marketability, insurability, use, enjoyment, and character. (Exhibit 10b) 11. The description of land in the contract include the structures, i.e., affixed improvements (ms).
(g) "Land": The land described in Schedule A, and affixed improvements that by law constitute real property...
XXXX ALTA (American Land & Title Association) adopted XXXX rules that clarify a manufactured home set as real property is to be covered. (Exhibit 11a and 11b) 12. In order for Insurer to exclude/deny coverage of the (ms) in an adverse (fraud or other) event discovered, a XXXX Exception is required to have been issued in our XXXX contract in Schedule B, and there is no XXXX existing anywhere in this contract. (Exhibit 12) a. Insurers failed or refused to use the required XXXX language shows an understood intent that this (ms) is covered. This is confirmed by the XXXX Commitment requiring (mh) Endorsements (Exhibit 12a) and the Lenders were specifically issued added XXXX XXXX Endorsements. (Exhibit 12b and 12c) ii. We question Insurers motivation in omitting the required XXXX language in the contract, as a deliberate, extension of favoritism to the Lender in order to grant XXXX XXXX Endorsements.
iii. Had Insurers used the XXXX in the policy/contract, Lenders would not have had any access to any XXXX XXXX Endorsement granting any security for any loss incurred by the (ms) title matters. If XXXX didnt get XXXX XXXX protections, we are convinced this sale would have been rejected by them.
b. Having no XXXX in our contract requires Insurers pay our total loss claim. i. Insurers denial of our claim reflects being clearly ambiguous and prejudicial.
ii. We would have rejected the entire purchase if there was XXXX language as that would have clearly omitted the purpose for the home loan purchase.
c. Our contract instructs Insurer is to pay a claim within 30-days of the claim submitted to them. We can only conclude that Insurers denial of our claim is intentionally motivated to cause us harm. i. Insurers are to pay an additional XXXXXXXX for delay of payment in covering this claim.
ii. Insurers are to pay to replace the (ms) at todays replacement costs per our contract. 13. Insurer agentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has used the word fraud in verbally discussing this case. XXXX XXXX has refused to respond to inquiry.
a. Insurers who exclude coverage after a claim is filed for discovered and confirmed adverse event, is nothing short of a fraudulent act in itself, or an outright theft, by Insurers. 14. When the fraud was confirmed XXXX of XXXX, it was becoming clearer of how involved this concealed fraud and forgery matter is. It was exposed only in going outside of the small circle of the XXXX recommended individuals who all participated in this sale. What we were starting to discover was:
a. The (ms) was not eligible by governing rules to sell as VA financeable. (Exhibit 13a). b. It is logical to conclude that if Sellers, by their own rules are prohibited from obtaining control of a property, then its equally logical to conclude they had no legal right to sell it.
15. The fraud remained concealed in Sellers and Lenders refusal to obtain IBTS in XXXX. Had it been done, the fraud would have been revealed as it was when we received IBTS letter in XXXX. (Exhibit 15) a. Had Sellers and Lenders obtained the required IBTS, this legal dilemma would not exist.
i. The only questions we now have are, was this gross negligence, or something more nefarious, for example, did one or more individuals have personal knowledge of the fraud, refused to admit what they knew, and chose to participate in it?
ii. We do know that a representative at XXXX XXXX in XXXX XXXX Idaho, had heard of this event. The representative admitted that there were only a handful of transport companies, and the news of this transport damage apparently made it a talking point in the local region. So, how many others participated in this industry conversation?
b. The ms did not legally exist after being wrecked, decertified and paid off as total loss by XXXX XXXX XXXX in XXXX. (Exhibit 15b) c. Manufacturer built a new manufactured home for the original buyer. (Exhibit 15c)
i. The salvage structure was obtained by a dealer who originated this intentional, concealed, orchestrated real property fraud for the purpose of illicit financial gain.
ii. The (ms) HUD Labels were ordered removed. The supporting documents, including the XXXX, and XXXX should have been removed and destroyed or returned to the manufacturer and in compliance with this process it would have ensured that this fraud never could have happened.
iii. The documents were not returned. In fact, they were used in the official records, and later relied upon by the appraisers and the engineers reports. (Exhibit 3a and 15ciii)
d. On XXXX XXXX XXXX, a manufacturer manager stated the (ms) did not legally exist; he advised we speak with the XXXX Dept. of Building Safety, XXXX XXXX (Exhibit 15d) XXXX XXXX XXXX later informed us: not for human occupancy or habitation and there is no process in Idaho to set (XXXX on a permanent foundation as real property. (Exhibit 15e)
16. The wrecked, for salvage use ms, was obtained by a then XXXX dealer, who bought this property and developed it, into what is now known as XXXX XXXX XXXX XXXX XXXX Idaho.
a. The mh dealer knowingly used fraudulent, forged, non-existent HUD Certification Labels of XXXX and XXXX, in union with Serial XXXX and XXXX.
i. These numbers legally ceased to exist in XXXX, were used, and theres your fraud.
XXXX. Sellers, Lenders, etc., had to clearly know that this sale was not legally allowed to be performed.
a. Sellers, etc., committed financial mortgage fraud. 18. XXXX XXXX, XXXX, linked to XXXX, XXXX XXXX XXXX XXXX, had legal and regulatory duty to maintain filed proof of the (ms) as HUD certified or XXXX verified.
a. XXXX and XXXX Lenders immediately transferred the Servicer contract to XXXX XXXX XXXX No Seller, Servicer or Lender has produced to date the HUD certification or XXXX equivalent.
19. The Veteran Affairs has informed us that the Lenders are required to obtain HUD certification verification from the national databank when HUD Labels are missing from a (ms) in a VA home loan.
a. XXXX XXXX XXXX, VA communication with us confirms Lender had a duty to obtain the XXXX verification letter to assure compliance. (Exhibit 19a)
XXXX LVAR Actively Conceals the Fraud
From what we have learned from the Lender, LVAR, between this current (XXXX) situation dealing with this property fraud, and their past history of deceptive actions towards veterans, we think the CFPB will be justified to take a closer look at their participation in the XXXX refinance to now.
Lender Low VA Rates, LLC., (LVAR), utilized fraudulent and incomplete documents from the XXXX file for the XXXX refinance of our VA home property loan.
XXXX. In XXXX, interest rates were low, and we looked into a refinance with Low VA Rates, LLCXXXX LVAR informed us the refinance (which would cost us nearly XXXXXXXX), would be a fixed rate at 1.75% for the first three years, and then would become an ARM, with an up to 1% increase or decrease in any given year, depending on the apr, but insisted they have never witnessed an increase or decrease of more than half a percent. This would eliminate the fixed rate of 3.75% we were paying.
a. The economy was drastically different in XXXX from XXXX, and equity was climbing.
b. We asked LVAR if we needed to obtain a new appraisal and were informed none was required in a refinance. We were also told since the original was already in the file, that is what they would use.
c. We paid professionals and believed hook, line and sinker, what we were being told was true, having no idea of the fraud at this point, though the fact information, i.e., referring to the XXXX appraisal was in the file and should have red-flagged and killed the refinance being sought. (Exhibits 3a, 3e and 3i)
21. LVAR never addressed the missing HUD Labels, though they had the appraisal.
a. It makes us wonder what documents XXXX XXXX received from LVAR to grant XXXXXXXX 7 favoritism regarding the (ms). (Exhibit 21a)
XXXXXXXX XXXX XXXX XXXX continued as Servicer.
In XXXX, the Confirmation of the Mortgage Fraud
Due to the economic chaos and instability real estate property values were sky-rocketing and interest rates were dropping, we decided to look into consolidating some high-interest debt into a low-interest HELOC. 23. In XXXX of XXXX, we wanted to clear up credit card debt and free up funds for home repairs. Our bank required HUD Label pictures. We couldn't find any HUD Labels (tags), which were to be on the outside of the 'home'. (Exhibits 3a, 3e and 3i) 24. We spoke with our XXXX realtor who said the that the (mh) was HUD certified, and likely the tags were painted over or accidently removed in a re-siding or repair.
a. We attempted to communicate with the (mh) dealer who developed this property and declared in XXXX that the (mh) he placed here was new. The dealer never took up residence at this address.
b. We asked the (mh) manufacturer where else the HUD Labels might be and were told they are on the outside end corners of each section of the (mh). We were advised that people often accidentally paint over them or remove them in re-siding, not realizing their importance. We were told to feel for raised areas for the XXXX riveted metal tags.
25. Finding no HUD Labels, our HELOC was denied. XXXX XXXX spoke with the bank President who granted the small HELOC using realtor assurance and tax records that the (mh) was HUD certified.
LOOKING BACK AND MOVING FORWARD 26. About XXXX XXXX XXXX, we received confirmation of irreversible real property mortgage fraud. With the confirmation, we realized the bank had every right to reject the HELOC. (Exhibit 15e) a. Prior to XXXX XXXX, we were assured by the XXXX Realtor, Lender and Engineer agents that the (ms) was HUD certified, or the XXXX loan could not have closed, and we were worried about nothing. These individuals recommended that we seek legal counsel and to file a claim with our title insurance.
i. We communicated with and later retained counsel in the fall of XXXX.
ii. We informed our home property insurance, who advised we file a title insurance claim.
A. We filed a claim with the Title Insurers; XXXX denied the claim. 27. After informing our bank of our findings, we were told no further loan will be granted with this property as collateral.
a. Through the grace of God, the bank said we could just continue making our payments and they would not require the full balance to be returned immediately.
CONFIRMING FRAUD
28. On XXXX XXXX XXXX, the (ms) manufacturer sent us the wreck report. (Exhibit 15b & c). a. This information prompted us to contact the XXXX XXXX agent who insisted that the VA home loan could not close without the XXXX HUD certification. She insisted the (ms) was HUD certified.
i. She said since she no longer was with XXXX XXXX XXXX (now XXXX), she had no access to the old file, and to contact them and request a copy. When XXXX said it was no longer the lender and we needed to contact LVAR for the information, our Lender agent said all we needed to do was to purchase an IBTS letter and this would verify HUD compliance.
b. We purchased the XXXX connected with this (ms); it confirmed the wreck report. (Exhibit 15) c. To date the appraiser has refused to comment why he did not condition the (ms) appraisal for XXXX compliance status. (Exhibit 15f)
i. We want to know how he compared a non-HUD certified (ms) with certified properties. 29. The Engineer was reached in XXXX of XXXX. He was asked why his XXXX XXXX, XXXX, report to the XXXX Lenders stated the HUD Label numbers as if he had seen them, when obviously he did not. The Engineer admitted he didnt report the missing HUD so not to kill our loan.
a. The jaw-dropping information was not taken well. We told the Engineer that truth would have protected us all from this fraud. It was not his job to be concerned whether we got a loan on this property or found another property instead.
b. The Engineer said he would speak with a friend in the county assessor office to find out how an appraiser was able to compare a non-HUD certified, for salvage use only, (ms), to property legally HUD certified. He said the response received was comparable for salvage is nil, meaning they dont exist.
c. The Engineer advised we speak with the Idaho Dept. of Building Safety to inquire about the recertification process.
i. We did, and the response was Idaho has no re-certification process. A decertified, for salvage structure is no longer legal for human habitation. (Exhibit 15e)
a. This eliminated any question or doubt as to fraud existing.
30. We filed our claim in XXXX of XXXX, with XXXX XXXX, XXXX as stated above.
a. Our insurance contract covers fraud, forgery, etc., and our situation clearly was in the coverage.
b. XXXX denied our claim in XXXX of XXXX and has denied all requested reconsiderations.
c. Insurers agent, at XXXX XXXX, now XXXX XXXX XXXX XXXX XXXX, admits this is fraud, but says XXXX, the (XXXX) dealer, is liable, not the insurance company. Our contract is with Insurers, not with XXXX.
In XXXX Continued Inquiry into Mortgage Fraud
We were advised by counsel to inquire about refinancing about how this information would be handled or dealt with by the professionals in the industry.
We put an inquiry into the mortgage web-stream, and were immediately inundated daily with phone calls, postal service and emails -- with offers to refinance!
Low VA Rates, LLC. 31. Low VA Rates, LLC., was adamant it could work around the missing HUD information and could still refinance the property.
a. We provided all the information we had, that we are legally required to disclose; they were fully aware that there were problems with XXXX information.
b. LVAR President, XXXX XXXXl admitted our concerns were valid, but obviously didnt care because the loan was already VA guaranteed. (Exhibit 31b)
i. We were confused by LVAR response that it could work around fraudulent HUD info.
c LVAR continued to press to refinance. We questioned how it could be legally achieved given the situation. (Exhibit 31c).
d. This shows that even the XXXX penalty imposed by CFPB upon LVAR clearly wasnt a large enough punishment to detour them from continuing to participate in deceptive practices. 32. LVARs title insurer, Elevated Title, representative, XXXX XXXX admitted he could not insure the (ms) after receiving the XXXX XXXX XXXX, XXXX information that we provided to him. We are unclear if LVAR deliberately omitted the correct XXXX or if it simply intentionally sent him the incorrect XXXX document. We made it a priority to assure LVAR was informed of the conflict with XXXX documents to avoid any errors of incorrect application. (Exhibit 32)
a. We had demanded answers and required confirmation from the title insurance that the manufactured home structure would be covered if a refinance occurred. 33. That ended any hopes of LVAR refinance in XXXX.
-- In XXXX, LVAR told the XXXX XXXX XXXX XXXX that it knew the loan required HUD Labels (tags) certification or XXXX equivalent. LVAR claims to have the required file. LVAR has refused to produce the XXXX HUD certification to us or to the XXXX, to prove that the HUD Label numbers used in XXXX are not fraudulent.
aXXXX LVAR compliance officer, XXXX XXXX informed us in XXXX, more than once, that a manufactured home involved in a VA refinance requires HUD certification or XXXX equivalent. This is completely opposite of her boss (XXXX XXXX) position.
b. LVAR President, XXXX XXXX in XXXX, claimed to the XXXX XXXX XXXX XXXX that LVAR would send the XXXX XXXX verification by email if requested through XXXX.
i. This request to LVAR has been sent multiple times and LVAR has sent nothing. XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Similar to our experience with LVAR, XXXX XXXX XXXX XXXX XXXX XXXX, appeared to mirror LVAR, in attitude, intent, and process, and was as equally intense to rush a refinance, even when provided full disclosure of the property history to the best of our information and ability.
Unknown to us, XXXX, the potential XXXX XXXX, who was ultimately rejected by us, in dealing with this property fraud, has a past history of deceptive actions towards veterans, and we think the CFPB is justified to take a closer look at this organizations participation in continued mortgage financial frauds. 34. In the XXXX of XXXXXXXX XXXX was made aware of the fraud connected with this property, including having the XXXX letter that we personally provided to them.
a. The company, after many months, eventually acknowledged it could not legally refinance our property. (Exhibit 34a). 35. XXXX was planning to accept the fraudulently created Servicing contract from XXXX XXXX XXXX who had been the XXXX since XXXX. XXXX, has since XXXX, been consistently approached by us and requested to provide evidence of their contract legality of XXXX of XXXX.
a. XXXX computer-generated form letters claiming it was still looking for the document in question, were sporadically sent to us, and were nothing more than XXXX refusal or failure to produce the simple national databank verification, (XXXX), or to just admit that the company never had the information. 36. DMs passing the illegal-counterfeit contract to XXXX is no longer passing concealed fraud along, but is in fact, knowingly and willfully participating in this mortgage fraud.
a. Like XXXX, XXXX has also refused to provide the simple legal compliance proof. 37. XXXX claim to be unaware of the fraud before taking possession of the contract in an undated, unsigned response to our written inquiries, is a straight up lie. (Exhibit 37)
a. Multiple proofs exist of XXXX being informed; evidence is both by electronic and written record.
a. We demand XXXX explain how it can accept a fraudulent contract that it was aware of was fraud before it took possession of the contract, and how it can be legally enforced for XXXXI illicit gain.
38. The damage is now compounded in the recent loss of our home-owner insurance and our inability to obtain any type of full coverage due to the entire fraudulent and counterfeit transaction.
a. XXXX informed us the company will obtain its own insurance and force us to pay for it, at a higher rate, as is required in their (legally unenforceable) contract. This is nothing short of actively taking part in extortion. (Exhibit XXXX)
In XXXX, the XXXX XXXX XXXX and LVAR 39. LVAR multiple times told the XXXX XXXX XXXX XXXX that it had and would send the IBTS that it confirmed it was required to have in its refinance file of XXXX. (Exhibit 39)
a. LVAR has never fulfilled its offer to provide the simple proof. 40. We have reached out to other finance companies and realtors who agree that the manufactured structure, being described for salvage use, has zero equity value and cannot be financed.
a. One expert in the real-estate industry who is not part of any of the transactions discussed submitted their overview in writing. Identify is omitted to avoid any repercussion to them. (Exhibit 40a)
Veteran, XXXX XXXX, has no intention of continuing to pay for the fraud, and intends to restructure how this deal proceeds.
We have submitted some of the many documents that we have in our possession that prove our claims.
SUMMARY 1. HUD Certification Labels #XXXX and #XXXX, in union with Serial #XXXXXXXX and XXXX ceased to legally exist in XXXX. They were used to create and develop the address of XXXX XXXX XXXX XXXX XXXX Idaho XXXX, as a legally New manufactured home, set and declared as real property.
a. These counterfeit numbers are the sole source of every contract in this complaint that every participating company or individual in this transaction relies upon. The creation of the fraud was intentionally calculated and designed to be concealed for illicit gain. 2. Every company and individual using the non-existent HUD Label information in any contract has actively participated in real property mortgage fraud, knowingly or by refused or failed duties, built on and profited from the original fraud, that should have been discovered during the XXXX loan process.
a. Federal CFRs, FHFA, Mortgage, Insurance and State Idaho Codes of fraud are in violation. 4. Had ONE of the involved performed their legal and fact-check duties in XXXX, none of us would be here today. The fraud would have been revealed at that time. Instead all of the involved either change the subject (or transfer Servicer contracts) and none have stopped the financial hemorrhage of damages.
5. None of the parties ever produced a scintilla of evidence that any of them were within the legal compliance in this transaction. Clear-cut mortgage fraud occurred, and each company and individual who profited holds a degree of liability, equal to or exceeding the value of our intended purchase in this real estate transaction.
a. It is hard to fathom, that out of all the involved companies, individuals and the roles each was to perform, that not one of them refused to move forward, when these missing HUD Labels were noted on the appraisal, and to only continue after the authorized documents were properly obtained. 6. We have been informed by multiple entities that the restoration remedy here is to remove the structure and replace it with a legally recognized home. This will require major actions of effort, finances and time to address. 7. The issue itself is quite simple. Contracts generated fraud have no legal enforceability. Use of fraudulent contracts defeat the need of professional licenses and certifications to sell their product.
a. Fraud weakens, cheapens and ultimately destroys everything it touches. 8. We have no intention of continuing to pay for fraud. We are resolved to restructure how this deal proceeds. 9. Sellers, Lenders, Servicers, and Insurers have obviously produced none of the required legal verification documents, because they dont now, nor have they ever obtained them, and all of them have just flat-out refused to admit this simple truth. 10. Therefore, CFPB should find that all the involved parties be required to initiate full restitution stated below, promptly.
11. We are in communication with the VA to review this fraudulent home property transaction, and that it indemnify itself from all liability. The VA cannot enforce or participate in acting as a conduit to mortgage fraud. Being a federal agency a higher standard is required by them.
12. We, XXXX and XXXX XXXX, have submitted the documents needed that clearly prove all XXXX XXXX elements of fraud are met, against all of the companies involved.
If this matter is not resolved now, our intent is to: 1. File legal actions against all involved in the XXXX, XXXX and XXXX fraudulent sale and financing. 2. Cease all future mortgage payments to force addressing the finance fraud deception.
Our minimum resolution is below.
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| 01/29/2021 |
Yes |
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Web |
Servicemember |
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This complaint is against Low VA Rates, LLC of Utah as well. Low VA Rates is organized and existing under the laws of Colorado. The common denominator here is, both mortgage companies use mortgage servicer, XXXX XXXX XXXX, XXXX of XXXX, Nevada. After reviewing some of my loan documents, I will be pointing out some concerning issues that do not add up and need further investigating by state and federal authorities alike.
On XX/XX/XXXX, I spoke with a XXXX XXXX, XXXX XXXX, of Low VA Rates, LLC. He could not approve me for a mortgage loan because of my low credit scores. ( Scores attached ) The next day, XXXX XXXX, XXXX XXXX, of Low VA Rates, LLC, contacted me and became the loan originator.
I am a 100 % XXXX XXXX XXXX veteran after serving in XXXX in XXXX. XXXX XXXX. I have been at this rating since XX/XX/XXXX. This rating exempts me from different mortgage loan fees. From the very beginning, my XXXX income and my Certificate of Eligibility were provided to Low VA Rates, LLC. Nothing should have gone into any escrow.
In XXXX of XXXX, my VA XXXX amount was {$3100.00}. My social security XXXX for the same month was {$1100.00} for a total of {$4200.00} ( XXXX award letters attached ). But on a loan document, Low VA Rates, LLC submitted that my total income was {$5000.00} which is incorrect. ( Loan document attached ) On XX/XX/XXXX, after the underwriting was completed, I received a pre-approval for {$240000.00}. ( Copy attached ) On XX/XX/XXXX, I mailed my {$1000.00} earnest money check # XXXX to XXXX XXXX in Utah. ( Copy attached ) The appraisal came in at {$230000.00}. The listing price was {$220000.00}. Minus the {$11000.00} discount. ( Picture attached ) The home builder is an XXXX veteran and was very generous to give me an {$11000.00} discount/credit. Low VA Rates, LLC did everything possible to run up the loan amount to the pre-approval amount of {$240000.00} by charging me {$10000.00} in closing costs, paying off two old collection accounts that did not need paying off and financed me at 6.25 % interest rate and 6.399 % APR. PREDATORY LENDING! ( Loan Estimate Attached ) My credit score did not change when I refinanced on XX/XX/XXXX with Vintage Lending at 2.75 % so it is CLEAR that I was eligible for a lower interest rate when I originally closed on my home loan with Low VA Rates, LLC. On a VA home loan that is backed by the federal government. ( XXXX XXXX closing documents attached ) On XX/XX/XXXX, we closed on the VA home loan. ( XXXX XXXX Documents attached ) The attached AMORTIZATION SCHEDULE states that my mortgage payments were to be {$1400.00} for the entirety of the home loan. That is not what happened. The payments are as follows ; ( bank statements attached ) 1. XX/XX/XXXX - {$1900.00} 2. XX/XX/XXXX - {$1500.00} 3. XX/XX/XXXX - {$1500.00} 4. XX/XX/XXXX - {$1500.00} 5. XX/XX/XXXX - {$1500.00} 6. XX/XX/XXXX - {$1500.00} 7. XX/XX/XXXX - {$1500.00} 8. XXXX XXXX with XXXX XXXX XXXX XXXX XXXX Lending 9. XXXX XXXX with XXXX XXXX XXXX XXXXXXXX XXXX Lending 10. XXXX - {$1000.00} 11. XX/XX/XXXX - {$1000.00} On XX/XX/XXXX, I emailed XXXX XXXX with Low VA Rates, LLC to inquire about refinance interest rates he was offering because I was interested in lowering my mortgage payment from {$1000.00}. ( Email conversation attached ). XXXX replied with bad news that Low VA Rates, LLC could not refinance me again. They did not pull my credit nor produce a loan estimate. There is a real good reason why a mortgage company is passing up on another {$9000.00} in closing costs. After other research, it is clear they could not refinance me again because of the negative equity hole they have placed me in, and the Department of Veteran Affairs would not approve this IRLLL.
|
| 11/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Received unwanted marketing or advertising
|
|
Web |
Older American, Servicemember |
|
From : XXXX aka XXXX XXXX Sent : Friday, XX/XX/2019 XXXX XXXX To : XXXX Subject : How do you protect me from ALL OF THESE DAMN MARKETING HARRASSERS I receive monstrous amounts of marketing letters, e-mails and telephone calls from people who want to sell me this or have me donate to that, AND WANT ME TO REFINANCE MY VA LOAN.
How are these annoying XXXX getting my personal information address, e-mail address, and telephone numbers? No matter how many times that I block information, or try to unsubscribe to e-mails or mailing lists I still keep getting these annoying contacts THAT WONT STOP!!!!!
I am a 100 % XXXX veteran. Much of my XXXX is XXXX and XXXX. These XXXX marketers trying to sell me something, charities wanting my limited income, and the bankers keep on trying to get me to re-finance my primary VA Loan through XXXX XXXX, to get some equity out of my house ( and of course to pay them some fees that will be included in the closing costs, so they can make some money off of my back ). Every time that I get contacted about re-financing, donations, or marketing requests, my XXXX goes through the roof for a couple of days. Just about the time I get back in control a little, here comes another call, or e-mail, or letter.
These mortgage marketers normally mention the fact that it is a VA loan and that it is a loan from XXXX XXXX. XXXX XXXX has my information marked so it is not shared with other companies or people. What public database are these hackers getting my loan information from?
The last marketing card that I received had an identity on it for " Low VA Rates , LLC '' from XXXX, UT. It had a VA ID number XXXX and FHA ID XXXX on the card, and an NMLS ID # XXXX. There were License numbers from 11 states other than Utah. These state licenses on the card did not include Pennsylvania ( where my house is ), nor in North Carolina ( where the XXXX XXXX office that processed my VA Loan is ).
Who is giving data out to all of these XXXX annoying marketers that wont leave us alone????
Youre supposed to be The Consumer Financial Protection Bureau. When are you going to start protecting me????????????????????????????????
My XXXX wishes the law authorized harassed citizens ( like me ) the authority to go to these operating locations once they were identified and take sledge hammers to all of their computers ( including back-up databases ), typewriters, and telephone systems to destroy ANY possibilities that these hackers/spammers/thieves would ever be able to continue bothering people in the future. If they pass a law like this let me know.
|
| 05/13/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
We refinanced our VA loan with Lowvarates.com The process began about XX/XX/XXXX or XX/XX/2016. Because we were a " streamline '' VA refinance, we did not have to have alot of paperwork done and were advised it would n't take long. We were " about '' to close on several occasions and finally XX/XX/XXXX we got a closing date of XXXX XXXX, 2016. We signed all of the closing papers on Friday, XXXX XXXX, 2016. We understood that our XX/XX/XXXX payment was included in the payoff and we would not have to make the XX/XX/XXXX payment. We went on about our business and on XXXX XXXX, 2016 I received an email from our broker. He sent the email after XXXX p.m. and I read it somewhere around XXXX or XXXX. He advised that there was a mistake in he paperwork and we had to resign the papers. They sent a notary to us around XXXX to sign the corrected paperwork. After the paperwork was corrected we realized that the mistake in the paperwork delayed the funding and they payoff of our old loan did not happen until XXXX XXXX, 2016. At that point, the our payment that we were told was paid in the payoff of the house was 30 days late. We had spent the month of XXXX expecting to close on more than one occasion and did not make the payment because we were supposed to close and were told it would be included. The next morning I emailed our broker and asked about if we would be considered 30 days late, his exact words were, " you should n't. With that said, if the lender does report we will provide a letter to clear it. '' So with that, we were ok UNTIL a couple of weeks later I checked my credit and saw that the payment WAS reported 30 days late and it had reduced our scores nearly XXXX points. Our broker wrote a letter to the mortgage company explaining that we were told the payment was made, but our mortgage company refused to make any change to the reporting.
Our broker should have told us this could happen! He should have advised us to pay that payment immediately - although it was already after XXXX when he tried to contact us on the XXXX of the month and the payment was more than likely already late.
|
| 10/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I was interested in getting a Loan through lowvarates.com and I applied online. I was a mortgage broker in the past so I was very familar with the process. I was working with XXXX XXXX LOAN OFFICER NMLS # : XXXX, Branch NMLS # : XXXX, NMLS # : XXXX XXXX Office : XXXX Cell Phone : XXXX. I applied for the loan as he requested and filled out all the information that was requested to get a loan estimate on XX/XX/XXXX. I continued to ask for a loan estimate as he promised me a fixed rate of 2.5 % with some very low fees. I requested the loan estimate numerous times over the next 7 days through the chat feature online. He said I had to upload more and more additional documents. I finally uploaded over 25 additional documents that he requested. I had just went through the loan process a month ago and did a cash out refinance, and now I was looking to refinance again because I could do a NON cash out rate that would drop my interest rate from 4.125 % to the 2.5 % he quoted me. After uploading all the additional documents, he STILL REFUSED TO SEND ME A LOAN ESTIMATE and said he was not going to do it because he didnt want to do the loan because it would take too much time. I told him he was required by law to send me one and he still refused. After all this time, he stopped responding to my request and tried to pawn me off to another company. At that time, I wrote a negative review on XXXX concerning his conduct.
He also erased everything from my file, so everything that I upload is no longer available after I spent 2-3 hours uploading these additional files I created.
The SAME DAY as I posted the negative review, XXXX retaliated against me and RELEASED MY PERSONAL INFORMATION to his company and they pulled business from me as a notary. I had a signing with lowvarates.com to close a loan for them as my job as a notary. That loan was canceled by Lowvarates.com at his request, which has never happened in my previous 13 years as a notary. I have documentation showing the " fake '' loan with the 2.5 rate AND the cancelation notice from his company the day my review was posted.
|
| 06/22/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
The purpose of this complaint is to report a deceptive and misleading advertising scheme by United Military Mortgage LLC.
" Low VA Rates '' is the DBA for " United Military Mortgage LLC, a residential loan originator. I am an attorney. On XXXX XXXX, 2016, I received the attached letter from Low VA Rates ( dated XXXX XXXX, 2016 ) which was addressed to my former client, XXXX XXXX. The body of this letter states that " Your VA Guaranteed loan at XXXX XXXX XXXX XXXX. XXXX XXXX has been selected for analysis by Low VA Rates .... Your potential new principal and interest payment has been calculated at {$670.00} per month. '' On the reverse side of the letter, Low VA Rates states that the estimate was based from data collected from public and third-party data.
It is clear that Low VA Rates is being deceptive in its claims because a rudimentary search of public records would reveal the following : 1 ) XXXX XXXX does not have a VA guaranteed loan for the property located at XXXX XXXX XXXX XXXX. XXXX XXXX.
2 ) XXXX XXXX does not own property at XXXX XXXX XXXX XXXX. XXXX XXXX.
3 ) XXXX XXXX XXXX XXXX. XXXX XXXX is in fact my office address.
I suspect Low VA Rates simply purchased a mailing list from XXXX of XXXX former creditors and -- without doing any research whatsoever -- sent a letter claiming that Low VA Rates had in fact " analysed '' and " calculated '' the specifics of XXXX loan. This is a lie and an active attempt to mislead and deceive consumers.
As a civil defense attorney, I see many such letters mislead my debtor clients. In my experience, the average reasonable consumer would not be able to determine that Low VA Rates ' claims were false, but would instead be led to understand that research had been done concerning the particular loan and that Low VA Rates was making a solid offer.
I further believe that -- due to both the claims of the letter and the obvious falseness of said claims -- this deception can only be intentional. This is the sort of intentional violation and victimization that the CFPB was created to protect consumers against.
|
| 07/30/2021 |
Yes |
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2021 I established a complaint against the company, LOW VA RATES LLC. XXXX XXXX XXXX XXXX. XXXX UT XXXX XXXX XXXX XXXX # XXXX, XXXX, UT XXXX.
Corporate address XXXX XXXX -XXXX, XXXX XXXX XXXX , UT XXXX- Ph ; XXXX-XXXX-XXXX Today XX/XX/2021 after asking this company several times not to contact me with this what I believed misleading letters. This company will not respond to my complaint, nor will stop harassing me. It extremely clear, NO I do not want this company utilizing my name for marketing, and I will never do business with this company.
Whats the intention of this letters, why only Veterans like me being target. This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is very aggressive harassing me with weekly repeatedly unsolicited and never requested mail and loan offers. REDUCTION-ALERT VA- Program.
How this company got my information, what gives the right to this company to use my name and address .This company needs to respect the fact that my name is at the all the credit bureaus Opp -out list and every credit agency op-out list to included also the DMA and FTC. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where?
Please stop remove my name out their data base, and ask every marketing company/ and any company associated with this junk mail offers not to use my name. This company apparently distributed my information to others with the same intention.
I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited misleading mail. I had never requested, please STOP do not contact me, do not call me, do not mail me, do not email me please. No response yet.
Re : Unsolicited Communications ( UC ) - Florida Do Not Call Assigned Case # : XXXX Online Complaint # ( OCN ) : Date of UC : XX/XX/2021 Caller ID # : XXXX Reported Business Name : LOW VA RATES LLC
|
| 02/16/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I was offered a refinance in the mail by a lending company. As a veteran I had intention of moving from XXXX Oklahoma to XXXX and with that wanted to purchase a new home using the second tier of my va loan entitlement. During the refinance process I was told that it would pay off the current va loan, and allow me to utilize the VA loan again to achieve my goal of property ownership in XXXX for a new job in a new location. While talking to my current loan officer while trying to obtain a new property to commit to the move in XXXX I was informed that the company did not refinance the property in the correct manner to sever the initial loan, they instead robbed me of my second tier entitlement with VA financing which has forced me into a position that I am no longer eligible to purchase a new property closer to the job and location that I desire. This is incredibly frustrating and shocking as I was blatantly lied to, this has destroyed my hopes of moving to the location that I desired. The refinance through the company did allow me to fix some much needed repairs, but ultimately t was not done in the correct manner. It seems to me that the company saw it easiest to simply use my second tier entitlement. I can not remember where I found the company, I believe it was through a letter I received as at around 1 year of ownership of my current property I received many letters in the mail from various companies offering " refinances ''. Thank you for your time and consideration to this issue.
XXXX XXXX XXXX
|
| 07/08/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
I recently refinanced my mortgage and I have been receiving several letters in the mail soliciting me to do another refinance. I received XXXX from United Military Mortgage LLC and it really concerns me. The letter states I can get a rate at 2.25 % ( XXXX ). In reading the reverse side of the letter I found out this was for a 3 year Hybrid ARM/Adjustable Rate Mortgage with XXXX discount points. No where on the front does it list the loan as a ARM and/or list any discount points. This is very deceptive advertising and I do not believe that this should be allowed. As well as this loan would refinance me into a 3 year ARM from the 30 year fixed rate mortgage at 3.25 % that I currently have. Being in the business I do not see how that would benefit my current situation or any borrower in a similar situation. I also do not think your average consumer would figure out that this was an ARM until they started working with the company or possible close their loan. With all the regulations out there today, I do not know why this kind of advertising is allowed. Company XXXX # XXXX
|
| 08/11/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
We called Low VA Rates to refinance our mortgage for a lower rate. In XXXX 2017 Low VA Rates requested a pay off from XXXX XXXX. The cost was {$30.00} that was to be paid to XXXX XXXX by Low VA Rates. This was not done. On XXXX XXXX, 2017 another request for a pay off was made by Low VA Rates to XXXX XXXX at another {$30.00} cost. This was to be paid to XXXX XXXX, by Low VA Rates. This was not done again. On XXXX XXXX, 2017 another request for a pay off was made by Low VA Rates to XXXX XXXX at another {$30.00} cost. This was to be paid to XXXX XXXX, by Low VA Rates. This was not done again. Now we have {$90.00} added to our Mortgage payment each month until Low VA Rates pays the money to XXXX XXXX to pay this off. According to Low VA Rates we are to pay this, but we did n't request the pay off Low VA Rates did. We hope you can help us. Husband is the Veteran.
|
| 09/17/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
My wife and I reached out to Low VA Rates ( Utah ) to assist in an Interest rate reduction refinance mortgage loan. Their representatives reached out to our homeowners ' association to confirm a lien free status, as well as a statement attesting to our dues being paid to date. In this request, they included our social security numbers on a release of information form. We have explained to them that our XXXX board merely exists of our neighbors. Through this breach of our personal information, it is now an easier task to obtain a lot more information and also leaves us open to higher risk of fraudulent activity.
We are now left to wonder whether or not this is the only instance where our information was exposed incorrectly throughout this process. We are only aware of this instance because we were copied on the said request.
|
| 09/24/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
A few days ago, I received a letter from Low VA Rates LLC. I contacted them and talked with an operator and she could not answer my questions/concerns. I asked to speak to her supervisor, and after less than a minute, they disconnected the call.
The letter states that I have a mortgage with XXXX XXXX XXXX XXXX XXXX The letter explicitly states that they do not represent this lender, but their records are have proven correct.
This is an absolute lie. XXXX XXXX XXXX XXXX is now under a different name, for one, and not only do I not have a mortgage with XXXX XXXX, I do not have a mortgage period. I have contacted my congressperson 's office and was advised to file a complaint with the FTC. I believe this is an attempt at identity theft or outright fraud from either one or both of these companies.
|
| 07/07/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
Older American, Servicemember |
|
Lower Va Rates has stood up to proper business practice, since XXXX 2015 with a approval stated after weeks of processing per LVR, I have signed contract documents with the present of my wife and notary. Yet, no closing up to now, XXXX 2015, I have back paid mortgage payments : XXXX, XXXX, XXXX. Still no results nor contract made until I call in a rage on status but a lot XXXX/run around stall actions from LVR. I am XXXX, XXXX veteran, unemployed and my spouse is unemployed with medical conditions. I have applied LVR before without any delays, but today there bad business practice that shouldbe dealt with HARD!!!!!!! Bills/credit are behind due the instructions given LVR and yet no results as when the two months and amount of mortgage payment???? Budget!!!!!
|
| 02/20/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
An Appraisal payment was made XXXX to ( XXXX ) XXXX XXXX UT XXXX to refinance my residence. Have contacted XXXX NMLS # XXXX - ( C ) XXXX XXXX XXXX or XXXX XXXX XXXX and requested to provide the Loan Estimate numerous times to no avail.
I am requesting a total refund for the refinancing process. The refinancing of my property should have been completed in less then 3 weeks hence, it is taking more than 8 months since the appraisal payment.
I have in sofar received any documents regarding the refinancing process.
Note, the refinancing of my property commenced in New York and apparently is now conducted in the State of Utah.
|
| 12/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
signed forms to lock in mortgage rate, then signed all formal contract forms for the mortgage with Low VA Rates, LLC, then told there is no longer any company to fund the mortgage due to rates have changed. I feel Low VA Rates should fund the mortgage until they can find a buyer for the mortgage as I do have a contract with them. I get to change my mind in 3 days of not accepting this loan but it has been greater than 3 days and I can find nothing in contract stating they can get out of the locked rate. They are proposing a higher rate mortgage.
|
| 08/21/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
The company " XXXX XXXX XXXX '' keeps sending us junk mail about VA refinances. The problem I have with them is the " Final Notice '' portion that appears on the envelope through through the transparent section next to our address. This deceives into thinking it might be a late bill, jury duty, etc. Fortunately I am aware of deceptive tactics like this but others may be fooled. Please make them stop using deceptive tactics like this.
|
| 02/02/2018 |
Yes |
|
|
|
Web |
Servicemember |
|
How did they approve a loan for {$370.00} and the value is only XXXX.
I XXXX XXXX purchased the home and closed XX/XX/XXXX in the amount of $ XXXX, refinanced a VA loan in XX/XX/XXXX with a new loan balance of $ XXXX the appraisal was $ XXXX.
they took my from a fixed rate, put me into a 3 yrs ARM@ 2.25 % and charged me 2.25 % points ( {$920000.00} ) plus ( XXXX ) the VA funding fee was {$1800.00}.
|
| 08/17/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
I received a non-compliant marketing piece asking if my rate was higher than 2.25 %. There was no disclosed APR in the advert and nothing to indicated the loan they were offering as a refinance option was anything but a fixed rate mortgage. I would like to hold them to their disclosed offering of 2.25 % on a 30 year fixed.
|
| 08/03/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
I received the mail a letter from Low VA Rates LLC offering me {$250.00} if they couldn't gt me a better rate than I have offered. They offered me a 1.8 % rate on a 30 year fixed rate. I have a 1.75 % offer. They refused to honor their offer.
|
| 03/15/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX refinanced my loan with the loan Brokerage company and received my escrow funds from XXXX XXXX and did not forward my escrow refund to me.
|
| 01/05/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
I am a Veteran, and am tired of getting these shady offers in the mail. It is a rip off and I am sure there are veterans who fall for it.
|
| 10/20/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I want all communication from this company to end. I have repeatedly asked to be removed from the list and I get hung up on.
|
| 08/22/2022 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
|
| 07/11/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 05/14/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 01/08/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 06/07/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 06/06/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 01/21/2019 |
No |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 04/17/2018 |
Yes |
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 11/20/2017 |
No |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
Servicemember |
|
|
| 09/12/2017 |
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 |
Servicemember |
|
|
| 02/11/2017 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
Servicemember |
|
|
| 02/25/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|