| 08/07/2020 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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On XX/XX/2020 I was contacted by XXXX XXXX and was told I should consider refinancing my condominium in XXXX, AZ. XXXX is : Loan Officer V.I.P. Mortgage, Inc.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Some three years earlier, I had used XXXX to originally finance my newly purchased unit and she was now offering refinance terms.
Over the course of a few weeks, I received requests from XXXX and her staff for documents and to sign online documents. On XX/XX/XXXX I met with a notary provided by VIP and signed numerous documents required by various concerned interests. At each point of contact, I immediately responded with the requested documents or signatures and I was congratulated by XXXX for my promptness. On XX/XX/XXXX, I received an email from XXXX stating that my mortgage was approved and funded. I expected to be contacted shortly thereafter with account and payment information.
Over the following weeks up to today, I have repeatedly contacted XXXX and her staff asking for accounting information and instruction. Each time XXXX would say that her job as loan officer did not include follow up or loan processing. She would say that she would inquire on my behalf, but never gave me a person to contact.
On XX/XX/XXXX, I received the attached letter ( XXXX - XXXX Notice of Transf ). The contents and instructions were not clear to me. In response to my emailed concerns, XXXX had a colleague, XXXX, call me and she told me to send {$1100.00} to VIP Mortgage c/o XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. She said further instructions would be coming soon. A check for {$1100.00} was mailed on XX/XX/XXXX.
On XX/XX/XXXX, I was phoned by XXXX. I told her I was disappointed in her and her companys poor service. I asked if I was being impatient by asking for where my mortgage account was being held and being contacted with payment instructions. XXXX assumed me that waiting over a month from funding was too long and that she would contact the necessary people to get me the details I deserve.
On XX/XX/XXXX, I was contacted by a XXXX from XXXX XXXX. She said that VIP sent the loan documents on XX/XX/XXXX and that XXXX XXXX had mailed me account/payment instructions on XX/XX/XXXX. I have not received that letter as of XX/XX/XXXX.
On XX/XX/XXXX, I was contacted by a XXXX from XXXX XXXX. He stated the conversation by telling me that my payment was due on XX/XX/XXXX and they had not received it. He went on to say that I had a 15 day grace period before late charges apply. I asked him to have a manager contact me.
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| 01/01/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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This home buying process started in XX/XX/XXXX, we put a hold {$2000.00} deposit down on a new construction the builders, XXXX XXXX We worked with vip mortgage co of XXXX, AZ, the bate team, started construction put a earnest deposit on the home and expected closing was end of XX/XX/XXXX. Turned in everything in a timely manner the loan company asked for, but my retirement money could not be withdrawn. We moved to closing assistance. The date to close moved again to XXXX and issues started we signed purchasing documents XX/XX/XXXX. We done everything in a timely manner. I even purchased home owner insurance in XX/XX/XXXX because vip told me to do buy it for the closing, well we were moving in XXXX to the property, so I just recently cancelled the policy XX/XX/XXXX. Closing set for XXXX. I started noticing wrong address on documents and we signed to lock in interest rates and the officer saying we didnt, dont worry when we sign at closing we can ask all questions then. I was not told my driver rate and the interest rates I was locked in on twice. Where is my withdrawal and why my loan was withdrawn and why builders cancelled on me? XX/XX/XXXX. XXXX we signed another purchase agreement. Closing date moved again then builders and vip stop answering my texts and calls.? I was kept in the dark. Closing date moved again they wanted rent ledgers and income ledgers. Started telling builders we were not co operating. I called XXXX XXXX for updates and she told me vip wants to end the process. Then XXXX XXXX stop answering my calls, texts and emails. I reached out to my realtor which both companies seemed to speak thru her. To speak to me to tell me what I needed to finish. Paperwork turned in as requested the builder set another closing date we were not told the date and the builders closed our closing and will not return our deposit and vip just said its too late we sorry bye!
I feel discimamated against in my first home buying process. This has been going on for months and we were planning on moving into our new home.
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| 05/27/2020 |
Yes |
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Web |
Servicemember |
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XX/XX/2020 we put a contract in on a house and put ours up for sale XXXX XXXX with V.I.P mortgage gave us an approval letter so we put our home on the market. We give XXXX the sellers net sheet so he knows what hes working with he looks at it and says we are good to go. A couple weeks go by stuff changes with the sellers net sheet. I call him to give him an update he acknowledges says we are good. Another week goes by and I try to contact him again XXXX will not respond to calls or texts from me my realtor or the sales agent for the new home. He will not give us any documentation as to what funds we need to close etc and we tried for weeks to get them with no response. I try calling the office and his assistant XXXX XXXX says my question needs to be answered by XXXX and to give him a call. Finally we get a response from XXXX saying that he does not want to take my loan because hes tired of the texts and calls.. if he wouldve responded to us we wouldnt have been calling him. I have a family to worry about I needed answers especially since our home was already sold and we got the run around from him. He then lies to his company and said I wanted to go with another lender and that was a lie. He also told us the appraisal was ordered but when I talked to the va they told me it was never ordered. Of course we were forced to go with another lender so now we are not on track to close and unfortunately I have to move out of my home for a week before I can even move into my new home
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| 08/17/2020 |
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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Vip mortgage XXXX Arizona is denying a mother who is XXXX XXXX and her children who are XXXX XXXX a loan. They are stating the mother can't use her childrens awards letters as household income because she isn't the payee yet the children are her kin and the children are drawing from her social security. They all curently and have always lived in the same household. The mother is the primary caretaker. The father who would not be on the loan who is the PAYEE for all three and has no income due to fmla leave because of covid was told he has to be on the loan. Social security states a payee should not be on the loan even but vip mortgage in XXXX states i have to be. Social security specifies that a payee can use funds for the recipients to have a mortage. I belive they are looking at abilty to sell the loan later and denying it because it is an all social security. The mother has an 800 plus credit score, 25 % down, reserves, and no debt with a debt to income below 50 %.
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| 01/04/2017 |
Yes |
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- Application, originator, mortgage broker
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Web |
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My issue is with VIP Mortgage XXXX XXXX Branch XXXX, Arizona XXXX me and my wife signed a Pre Quailfied Contract to Buy a home and use VIP as Lender. After 10 weeks in Escrow we had to extend closing date 3 times due to issues with underwritting and we really never got the main reason. Long Story short on the final closing we were told they could not do the Loan. Latter that day XXXX found out that XXXX XXXX gave ALL my personal information and Documents to a outside Competior XXXX XXXX Loans without my Permission. ( Privacy Act ) My main complaint is that he shared my personal information. 2nd Complaint is how a Company can string along a Family for this Long only to leave us without a Home. We recieved a Denial letter last night that Stated the Reason for being denied was due, INFORMATION FROM CREDIT REPORT. Note : Why take 10 weeks to find this out before stringing us along? We have copies of our Credit Report and we obviously Were Pre Qualified on day # XXXX ...?
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| 03/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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When I purchased my house i didnt put 20 % down. So Im paying mortgage insurance ( PMI ) my loan amount is {$470000.00}. I called my mortgage company couple time to reevaluate my property bec the market is going really up, and my house right now worth more than {$700000.00} easily. So I called the first time on XX/XX/XXXX to remove the PMI, I waited 2 weeks and they never got back to me. So I called them again they said that my request is closed. When I asked why they didnt tell me. When I asked for appraisal they said they will mail me some paperwork. I called them again XX/XX/03 they said my XXXX is at 92 % which absolutely in correct, the house next to mine sold for {$740000.00} and with no pool like mine So Im not sure what to do? I need your help. Thank you
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| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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I never authorized this company to pull my credit. I called them to have them remove this, but they have no record of this. They sent me to the company they used to pull credit. They wanted me to provide them with lots of personal information before they could investigate. The problem with this is that I never provided my personal information to begin with. Why would I provide it now? They would then be able to say yes, we did get the information from him. They refused to act on my request.
This inquiry is damaging to my personal credit. It's preventing me from obtaining normal rates. This entry is placing me in a higher risk category.
I'm strongly requesting that it be removed immediately from all credit reporting agencies.
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| 12/31/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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My wife and I on XX/XX/XXXX started looking into purchasing a new build with V.I.P mortgage company along with XXXX XXXX for property XXXX XXXX XXXX in Arizona XXXX loan # XXXX we put XXXX down as an XXXX payment but now that the builders and the mortgage company have blamed us and closed on our deal without our consent and not refunding our XXXX deposit over the course of these past 7 months this process was a nightmare major financial disaster that has caused devastating distress upon our families financial emotional & psychological quality of living so we are seeking remedy of our proper compensation for a full refund for these negative damages inconvenience and experience as a first time home buyers!!
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| 07/21/2022 |
Yes |
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Phone |
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