|
11373632
|
2025-01-03
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2025-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-03
|
|
|
7413071
|
2023-08-16
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-08-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-16
|
| Complaint What Happened |
This is a part of an ongoing issue with this company. Today, I received a letter in the mail from Cardinal Financial, dated XX/XX/2023, that states as a part of the " Equal Credit Opportunity Act '' that an appraisal may be ordered to determine my property 's value as a part of the " loss mitigation '' process and I will be charged for this appraisal. ( See letter attached ) However, I never authorized this company to process a loss mitigation of anything, nor did I approve my credit to be ran, or an appraisal to be ordered. I have turned in several reports regarding the illegal practices of this company, yet, this company continues to ignore federal legislature, underwrite according to their own guidelines completely negating federal legislature along with XXXX XXXX and XXXX XXXX guidelines.
I have another complaint currently open with regards to them not handling my loan according to federal guidelines pertaining to the CARES act for COVID forbearance ( see complaint # XXXX, submitted XX/XX/2023 ) and am under the assumption that this letter may be a continuance from this company refusing to defer ( tack on to the back of my loan ) my COVID forbearance amount. However, this letter indicates " recent document submission '' and I have submitted nothing to this company other than the filed complaint with them that I also lodged with CFBP ( referred to above ).
There should be no credit being pulled, and no appraisal being ordered, as a loss mitigation request was never submitted nor authorized by me. I will not be ordered to pay for an appraisal as that is NOT required according to CFPB guidelines for the CARES act, nor should my credit have been pulled for any reason. I am NOT modifying this mortgage, refinancing this mortgage, or accepting any kind of loss mitigation practice to be applied to this mortgage, as that is NOT a requirement of the CARES legislature.
Please provide confirmation that this letter was sent in error : credit was not pulled, appraisal was not ordered, etc. Any pulls should be removed from my credit report and any appraisal that may have been ordered will fall as an expense to this company, as I did not authorize any of these methods nor are they required per the CARES act. I am exhausted with the back and forth with this company regarding their refusal to follow federal legislature regarding the COVID CARES act.
I can only imagine how many other borrowers are dealing with, have dealt with, or have just accepted their non-sense and tyranny regarding improper handling and underwriting of loans. If Cardinal can not follow the guidelines set forth by feds, XXXX, and XXXX, their license to give loans, service loans, etc., should truly be revoked. No one should have to continuously deal with this kind of madness on a consistent basis like this.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10049917
|
2024-09-09
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-09
|
| Consumer Consent Provided |
Other
|
|
|
6407200
|
2023-01-06
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-06
|
| Complaint What Happened |
I have called several times dealing with XXXX XXXX I was told they have never received funds from XXXX referenced XX/XX/XXXX payment of {$880.00} nor the past due amount of {$5500.00}.
The pay was sent but has not been applied to my account. The escalation department refused to address the issue. Will not allow me to talk to a supervisor reference locating the funds.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10748147
|
2024-11-11
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Foreclosure
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-11-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5788963
|
2022-07-20
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2022-07-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5898007
|
2022-08-19
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-19
|
| Complaint What Happened |
I was approved for HAF ( Homeowners Assistance Fund ) through the Florida DEO. We are approved for 14 monthly payments of mortgage starting in XXXX. As of right now Cardinal states they have received anything from HAF, even though HAF states the check was sent out to the company po box . After calling and speaking to a HAF representative today she stated that Cardinal Financial has been returning many checks to them. It seems that Cardinal is not wanting to work closely with this program which is wrong considering this program would save many people from losing their home.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10079407
|
2024-09-10
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue with the loan closing
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-09-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-20
|
| Complaint What Happened |
To whom it may concern, I am writing to file a complaint against Cardinal Financial Company XXXX XXXX XXXX and Freedom Mortgage Corporation regarding Loan Number : XXXX, FHA case number XXXX.
In XXXX of XXXX my XXXX and I went under contract with XXXX to purchase our first home in XXXX XXXX, Florida at the time we were living in North Carolina. We were approved for financing through the builder 's lender XXXX XXXX Mortgage and were told we needed to move down to Florida so my XXXX could begin work with the company that hired him. We sold most of our belongings and moved into an XXXX in XXXX of XXXX while we were waiting to close on our home. The original closing was supposed to be in XXXX and then it was pushed back until XX/XX/year>. We paid the builder as agreed the total down payment of XXXX percent and extended our XXXX XXXX XXXX XXXX rental until we could close on our home. XXXX came and we were told by XXXX XXXX Mortgage, after being approved XXXX times during these months, that they could not close our loan but they had referred an outside lender with XXXX XXXX XXXX XXXX XXXX XXXX that could get us closed by XX/XX/year>. XXXX XXXX mortgage transferred all of our documents to the new lender. On XX/XX/XXXX the title company, XXXX XXXX, scheduled our closing to be at our airbnb at XXXX XXXX with just a notary present, the notary informed us they could not answer any of our questions regarding the documents as they were just there to verify our signatures. The notary did not provide us with a copy of the closing documents that were signed and we did not receive them within three days from the mortgage company either. I found out in May that the mortgage company, Cardinal, had not properly calculated our Escrow account and the mortgage went up about {$600.00} a month. This made me concerned as the original amount I had agreed to pay based on the supposed " loan '' they were providing me was affordable to us. I then called and requested from Cardinal financial a copy of all the documents I signed at closing. I received three different notes, one endorsed with a notary stamp, one endorsed with no notary stamp and one not endorsed at all. I noticed the signature on the mortgage was not my XXXX 's signature and when I questioned the company they said we had signed a limited power of attorney. I opted to do a securitization audit report on the contract because I felt like something was seriously wrong with the documents, the forgery of our signatures and questioned the validity of the documents. Once I received the full Securitization Audit Report I was heartbroken to learn that my husband and I had been taken FULL advantage of. Our contracts were not only fraudulently misrepresented to us but also converted to a stock/bond with our signatures without knowledge and under the contract the lender made themselves the beneficiary. We were not given proper disclosures, they did not disclose TILA ( Truth in lending Act ) or RESPA ( Real estate settlement procedure act ) or The Gramm-Leach-Bliley Act, FCRA including many other disclosures that we should have been given. We did not know that we were giving up our rights, agreeing to a voluntary lien and giving them ownership for something we funded with our signatures and social security trust and in turn were given a privilege to live on the property. If we would have known that the chattel paper was giving equal cash value we would have chosen to rent instead of allowing them to sell it back to us with interest in the form of a loan. We were supposed to have copies to review for XXXX days after we signed the documents and have my right to rescission which was not given. When asked about the security interest I was led to believe that a security interest is only to obtain the loan. Based on the attached Audit Report and the lenders own verbiage in the mortgage contract the Deed was supposed to be transferred into our names as the rightful owners at the time the Note was endorsed satisfying our security interest. I have done my best to communicate and provide both Cardinal Financial and now Freedom Mortgage with all of the same documents I have attached here and they have continued to be insolvent. I have continued to be harassed and threatened with foreclosure if I do not pay them what they say I owe so I sent them a negotiable instrument and they then refused to accept my negotiable instrument according to UCC 3-104. I provided both of them with the adequate documentation to provide a validation and verification of the debt and they continue to respond that they do not have to release any documentation pertaining to my requests.
We appreciate your attention to this matter and can be contacted by phone at XXXX.
Kindly, XXXX and XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
5105055
|
2022-01-12
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2022-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-12
|
| Complaint What Happened |
XXXX/Cardinal paid the wrong insurance company my escrow. They have not paid my correct insurance company. Now my insurance company is threatening to cancel my policy due to non-payment, even though I had money in escrow to pay my bill. I have since put a SECOND payment into Escrow while I wait to be reimbursed by the company that was paid in error by XXXXl/Cardinal and they are letting my policy be cancelled by not paying the bill. I asked to no longer have my insurance escrowed to prevent this from happening again and they are saying no.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5177898
|
2022-02-02
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2022-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-02
|
| Complaint What Happened |
I filed a complaint with the CFPB regarding my insurance being paid to the wrong company and my insurance potentially being cancelled. Today I received word from my insurance company that they have not received payment and my insurance has been cancelled. I escrowed my payment to Cardinal and they were responsible for paying this bill. I requested the ability to pay it myself and was denied because allegedly my loan balance is not less than 89 % of the value, which is not true.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5091798
|
2022-01-10
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2022-01-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-10
|
| Complaint What Happened |
XXXXCardinal Financial paid a renewal hazard insurance payment to a company I had cancelled with. I had secured a new insurance company. Because the old insurance had almost doubled in price, my escrow for hazard insurance almost tripled. My new insurance company has since requested payment. The payment for the renewal of the old policy has not yet been returned. I have had to put the payment back into escrow without the old payment having been returned to me. I asked that my escrow for hazard insurance be discontinued, since the error made by XXXXCardinal can potentially be repeated. I was told no. I do not want decisions regarding my finances being made without my knowledge or permission.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10689174
|
2024-11-05
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
VA mortgage
|
| Date Received |
2024-11-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-05
|
| Complaint What Happened |
Cardinal Financial was initial company that held mortgage. 7 months after, due to XXXX veteran status and a zero property tax but has CDD fees, an escrow analysis was requested. This resulted in Cardinal refunding excess taxes paid. Cardinal did not disclose that it would leave a deficit on the escrow account. XX/XX/XXXX statement showed a deficit of - {$1900.00}. Call to inquire and was informed that there was a deficit due to refund in XX/XX/XXXX. Cardinal did not disclose in XX/XX/XXXX escrow analysis of the required amount needed to be in escrow account. Cardinal sold mortgage with error notice ( mix up in my mortgage information with another customers that took 4 weeks to resolve ) in XX/XX/XXXX to XXXXXXXX XXXX. Tax bill received from county XX/XX/XXXX and reconciliation of escrow account from Cardinal to XXXXXXXX XXXX shows that Cardinal willfully and fraudulently reported a lesser amount than what was received to them. XXXX XXXX, XXXX XXXX began an escrow analysis and reported that Cardinal provided them with Escrow account balance forward of {$1200.00} ( consistent with XX/XX/XXXX statement from XXXXXXXX XXXX that escrow balance was only {$1700.00} despite paying {$530.00} monthly to Cardinal for 6 months with no missed payments ). Cardinal 's last statement dated XX/XX/XXXX lists the escrow balance year to date to be {$2700.00}. There is approximately a {$1500.00} missing from the transfer of escrow account reporting. Where did it go and Cardinal or XXXXXXXX XXXX has to account for and return this to customer. This is fraudulent and stolen escrow money from the customer. Current escrow balance on XX/XX/XXXX XXXXXXXX XXXX statement is {$2800.00}.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4417697
|
2021-05-30
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-05-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-30
|
| Complaint What Happened |
I have been trying to close a loan since XX/XX/XXXX with Cardinal Financial. The initial rate that was locked for me was 2.25 % ( 15 year term ). We were getting close to closing and underwriting said that I had to wait until I reached 6 months with my current employer before they would approve the loan. I changed employers in XX/XX/XXXX but have been in the same industry for over 20 years with no employment gaps. Once 6 months had passed they increased the rate from 2.25 to 2.375. I was not happy with it but knew it was the current going rate. Since reapplying I have been harassed by their underwriting dept. They've called my employer at least 4 different times verifying employment. They delayed the loan for mortgage statements every month. I've completed conference calls, supplied documentation repeatedly. The last delay is for tax returns because they are so are taking so long to process that taxes became due. Rates have since increased again. I would use another lender but I will loose money over the life of the loan. I've 3 different times asked if they have everything they need and each time they say everything is complete and ask for more information within a week or two. When this started my credit rating was XXXX, & a perfect payment history on all my open accounts dating back over 15 years.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4160931
|
2021-02-23
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2021-02-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-23
|
| Complaint What Happened |
My mortgage company still has not fixed an issue with my taxes. The timeline is as follows : XX/XX/XXXX The ECheck issued by my mortgage company from my escrow account is dishonored by their bank, and the county returns the funds. The money is supposedly in my escrow account as I paid it at closing.
XX/XX/XXXX The funds are returned into my escrow account XX/XX/XXXX I receive a letter informing me of the dishonored check. I reach out to my Mortgage company and they ask for a copy of that letter. I sent a copy of that letter, and they said it would be handled within 7-10 business days.
XX/XX/XXXX I send a secure message to my mortgage company via their website. No response as of today XX/XX/XXXX XX/XX/XXXX I call my mortgage company. I am placed on hold, then the call disconnects. By the time I get through the automated system, it as after XXXX and they are closed XX/XX/XXXX I call my mortgage company again. I am told they can not help me as the department I need to speak to is closed.
As you can see, I have attempted many times to get a resolution to this issue, but to no avail. I don't know where else to turn.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8274039
|
2024-02-02
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-02
|
| Complaint What Happened |
I want to make a complaint When me and my Fianc we applied for the mortgage to be 4 %, not 6 % also I said I did not want the payment every month for a day 1 I contacted to change and it's not possible, also I contacted because the bank charge fee because the mortgage company did 2 charges in the same month in my account and I don't have enough money, The company is terrible and the customer service didn't help me and lie about the APR. If I refinance with another company, I need to pay fees. I will sue the company for all the damages I have. Account number XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX FL, also almost my insurance was canceled because the mortgage did not make the payment here is the information.
We are not able to refund or pay any fees that are not the fault of the mortgage servicers. You set up both payments. There is nothing we can do but wait for one or both payments to be rejected by your bank. You can try to have the bank reject them proactively, if you would like a reversal sooner.
Is there anything else I can advise on today?
here is nothing we can do on our end to reverse the payments while they are processing. I apologize for any inconvenience this may cause.
XXXX - XXXX XXXX I dont have money You- XXXX XXXX If the funds are not available they will be reversed in a few days, but if you would like the payments rejected sooner, you will need to to through your bank.
XXXX - XXXX XXXX I need pay my bills XX/XX/XXXX Multiple Payments {$4200.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Multiple Payments - {$200000.00} Dear XXXX and XXXX, Your home insurance policy payment is past due and the policy is about to be canceled, can you please contact your mortgage ASAP so they can overnight payment?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Direct Phone : XXXX Fax : XXXX License # XXXX XXXXXXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
10163884
|
2024-09-18
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Private mortgage insurance (PMI)
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-09-18
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-18
|
| Complaint What Happened |
The Company withdrew XXXX on XX/XX/XXXX for MPI/PMI disbursement. The amount is double what I am usually charged. I called the company and they said it was due to a new company servicing my loan which is also named Cardinal Financial. Today I received my statement showing a withdrawal on XX/XX/XXXX for {$78.00} and a withdraw on XX/XX/XXXX for {$78.00} for PMI. Again, double what I have paid since XXXX.
Additionally with this new statement, I received a collection notification from XXXX XXXX XXXX saying that they are trying to collect a debt that I owe for the full loan amount of {$350000.00}. I have paid every payment on time, electronically including the most recent payment and I have an XXXX credit rating.
Cardinal sold the loan when I first bought the house in XXXX And it was a mess. Now theyre doing it again with another shell company and threatening me with collections. The burden is put on me to resolve in writing as a dispute!! The Situation is further complicated because Im trying to sell the house and close on XX/XX/XXXX a in less than 3 weeks!
|
| Consumer Consent Provided |
Consent provided
|
|
|
10458790
|
2024-10-15
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-10-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-15
|
| Complaint What Happened |
Cardinal Finance is the worst Mortgage company and doesn't have any respect with the customer I live in Florida and I have a problem with the Roof I claimed with my insurance, and the insurance sent the check for me, to send to Cardinal Finance after I sent the check to pay the roofing company, the roofing company called me every day and asked about the check, cardinal transfer to another company and every day I have problem with cardinal Finance and the roofing company contacts me, and I don't have the check claim I sent to Cardinal. If Cardinal doesn't fix this problem I need to sue the company, also I tried to refinance my mortgage and the mortgage processor said I don't have any fees I used my social and searched many times but didn't say the true to the beginning and waste my time send documents and information, please remove my name from the credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6276204
|
2022-12-03
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2022-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-03
|
| Complaint What Happened |
When covid hit and options to be put in a forbearance program became available we accepted and were told that all the payments would just be added on to the back end of the mortgage and we would start making regular payments once the program was over. They allowed us to be in the program for over a year and then when it was over they demanded all that money up front and would not modify the loan or anything. Then they filed for foreclosure. We have hired an attorney to represent us because they lied to us and all the phone calls we made confirming this process were recorded so there is solid proof of their lies. They also failed to send us paperwork on time causing us to mis deadlines etc. Cardinal FINANCIAL is the company that held the mortgage
|
| Consumer Consent Provided |
Consent provided
|
|
|
7875493
|
2023-11-19
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-11-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-19
|
| Complaint What Happened |
Back in XX/XX/XXXX we had an assessment completed by XXXX XXXX for an energy efficient home loan thru XXXXXXXX XXXX XXXX XXXX
When my mortgage servicer received an initial notice of assessment for the program, I was considering they increased my escrow payment by {$3700.00} a month beginning XX/XX/XXXX.
I contacted my mortgage servicer to find out why the increase in payment. They indicated it was for the window upgrade thru the XXXXXXXX XXXX XXXX XXXX. At that time they completed a new escrow analysis and lowered the payment. My servicer erroneously sent me an overage check in the amount of {$3900.00}, I contacted my servicing company, and they advised me to void the check and they would deposit the funds back to my escrow account.
I then received a notice that my servicing company was going to pay XXXX XXXX a check for {$13000.00} for my XXXX taxes. My current taxes due for XXXX is {$3800.00}. XXXX XXXX returned the check to my loan servicing company and advised them that they needed to send in a check for the correct amount of {$3800.00}.
I have since sent my servicing company all cancellation letters of XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX because I am not participating in any program thru the state of Florida.
Another analysis was completed on XX/XX/XXXX which increased my monthly payment by almost {$900.00} effective XX/XX/XXXX {$6300.00}. I should not have a shortage as I have only had this mortgage since XX/XX/XXXX.
I have exhausted all avenues in trying to speak to my loan servicer and it is very it is difficult to speak to a human being as the toll-free number is an automated phone call that loops you around and does not allow you to speak to a human that has authority or knowledge to assist me.
All I am asking is for my mortgage payment to go back to the normal amount prior to all of this nightmare. A reminder that I am not participating in any state funded program of any kind. I can provide you with copies of all escrow analysis I have received since XXXX and also any copies of cancellation letters you XXXX need.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8378843
|
2024-02-19
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-02-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-19
|
| Complaint What Happened |
I received a letter dated XX/XX/XXXX that Cardinal Financial Company provided payment to my XXXX XXXX XXXX. On another letter dated XX/XX/XXXX I received a letter that my insurance has been cancelled due to non payment. Mind you I have paid this Cardinal Financial Company on time since the inception of this FHA loan. My escrow includes insurance, taxes, principal and interest. This company has even accused me if I took the insurance check, probably because XXXX XXXX. Now they are going to impose the insurance themselves to raise my mortgage on a XXXX XXXX XXXX.
Any assistance would be greatly appreciated.
XXXX XXXX XXXX # XXXX Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2783911
|
2018-01-16
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2018-01-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-16
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
We were granted Forbearance on our mortgage payment for the month of XXXX 2016 because were declared a national disaster area by FEMA. That mortgage company sold our loan the same month to a different mortgage company and said they would " reach out to us to discuss payment of the missed XX/XX/XXXX installment ''. No one ever did.
The new mortgage company, Cardinal, does not seem to recognize this. They have sent us past due letters and I have called their customer service many times to try and get it straightened out.
I will be attaching a timeline of all of our payments and the confirmation numbers and dates. I also have itemized with whom we spoke, where and what time. The last call being to a supervisor named XXXX who said he would look into it and get back to us. He did not. We are receiving past due 2 months letters, and yesterday a phone call to my wife that they are reporting it to the credit bureau. Plus a letter just came saying they are going to take our house away.
A complete timeline of my efforts is attached.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5066339
|
2022-01-03
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7460441
|
2023-08-29
|
Closing on a mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Closing disclosure or other related disclosures
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-08-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-29
|
| Complaint What Happened |
We closed on a home on XXXX the bank, inspector, and realtor reported that the house had no damage to it. Today we had a third-party company come to take a look at our floors to remodel the old tiles and we were informed that the entire foundation of the home is cracked, from the walls down to the floors. The cracks lead down to the foundation that is collapsed. We were told that the house is unrepairable and should not have been sold. We want to file against both the bank and the inspector, for no reporting these massive damages to us. The sale is illegal, as they withheld key information from us, in the state that the house is in we would not have purchased it under any circumstance. This purchase was not made as an investment, but as our forever home as we are an older couple that can not afford to rebuild a home. We consider to have been lied to, and taken advantage of, and we were not at any point informed of the damage this home had.
The inspector and the bank did not report any damage to the structure, foundation, or anything of the sort. We ask for help navigating this fraud, as we are simple older people who have never purchased a home before, and trusted that these professionals would follow the law.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3111165
|
2018-12-27
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-12-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-01-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7761882
|
2023-10-26
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-10-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7575905
|
2023-09-20
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-09-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7544558
|
2023-09-13
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-09-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-13
|
| Complaint What Happened |
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7300927
|
2023-07-25
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-07-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-25
|
| Complaint What Happened |
On XX/XX/XXXX I received my approval for a flex loan modification from Cardinal Financial. The letter stated I had 14 days to accept. A drive by servicer came to our home to serve us foreclosure paperwork on Saturday XX/XX/XXXX. I called on Monday XX/XX/XXXX and was told there was an error on the date that was sent out and the foreclosure was stopped. There is a lawsuit that was filed with XXXX XXXX Florida that shows XXXX XXXX XXXX on behalf of Cardinal Financial Company filed foreclosure on our home on XX/XX/XXXX. We had not even received the modification paperwork at that point.
Our home was severely damaged by Hurricane Ian. We have a XXXX XXXX XXXX. There is a moratorium on foreclosures and negative credit reporting for 12 months post Hurricane Ian that hit us on XX/XX/2022. Cardinal Financial has reported us delinquent on the loan and has the foreclosure lawsuit on hold. I have asked both XXXX XXXX and Cardinal to DISMISS THE LAWSUIT IMMEDIATELY AND WITHDRAW THE XXXX XXXX AS THEY HAVE VIOLATED THE INVESTORS SERVICING GUIDELINES FOLLOWING THE NATURAL DISASTER, HURRICANE IAN, THAT HAS HAD A DEVASTATING DIRECT EFFECT ON THE COLLATERAL FOR THE LOAN.
THIS FILING ON OUR PROPERTY IS HOLDING UP FUNDS AND PERMITS TO REPAIR OUR HOME. XXXX XXXX XXXX XXXX XXXX FL XXXX Cardinal is also holding onto our insurance checks that were sent to them to endorse : We need the funds released and they keep sending inspectors that dont report on the entire house repairs. Cardinal Financial is holding over $ XXXX that we need to pay the framer so the roofing company can put a roof on our home. Cardinal states that only 40 % of the roof is complete so they wont release the funds. The funds arent all for the roof. We had to remove all of the drywall in the rooms where the roof came off and the ceilings fell in. We have finished the drywall in the master. Rebuilt stairs to be able to get to the second level to mitigate. Tree removal, mold mitigation etcCardinal Financial has made a natural disaster into a long, painful, credit wrecking, frustrating 10 month long process of fixing our home. We have been living at our neighbors house for the past 10 months. Now that we are getting checks from insurance, Cardinal is holding them and then unlawfully filed a lawsuit for foreclosure, which is holding us hostage yet again to be able to get back into our home.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8206357
|
2024-01-23
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-23
|
| Complaint What Happened |
I had a job working for XXXX, my first payment was due XX/XX/2023 ; XXXX XXXX XXXX XXXX decided to use the fbi XXXX system to steal my identity and use spam calls, fake emails then compromise my mortgage CARDINAL FINANCIAL. MY GRANDMOTHER XXXX XXXX, XXXX XXXX AND OTHERS ARE WITNESSES TO XXXX XXXX sheriffs office hennous crimes towards me. On XX/XX/2023 I got a notice on my home stating it was " vacant. '' XXXX XXXX XXXXXXXX instructed his staff to commit the most treacherous acts against me someone whom he continuously violates civil rights over and over. This man has caused me to lose income, sleep, peace and solitude. On top of identity theft, he has also vandalized the home. XXXX XXXX XXXX on both social media platform for proof from XXXX XXXX office, office off the XXXX XXXX sheriff, located in lovely XXXX XXXX Florida.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7533219
|
2023-09-11
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue while managing or servicing your loan
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-11
|
| Complaint What Happened |
This is in response to a vast multitude of complaints that have been filed against Cardinal since XXXX up to present this is in reference to the COVID CARES Act that was passed on XX/XX/XXXX and signed into law on XXXX XXXX.
Per CFPB guidelines, under the statutory overview, point # XXXX states, No additional interest, fees, or penalties can be charged beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract.
On XX/XX/XXXX an additional CFPB complaint was filed against this company due to Cardinal not allowing the amount that was placed in forbearance to be deferred, claiming I stated I was unable to pay, however, it was made clear that if the forbearance could not be extended, I would resume my payments and even as this was stated, a deferment was refused.
On XX/XX/XXXX, in response to CFPB case # XXXX, I sent in a letter to this company, requesting that my escrows be removed from this loan, as my XXXX is XXXX 80 % and to place the amount that was placed in forbearance in deferment as my XX/XX/XXXX payment for principal and interest had been placed in the mail to them, therefore, resuming my monthly mortgage payments. ( Following the instructions given in the CFPB complaint referenced above. ) I received a letter from Cardinal today, dated XX/XX/XXXX stating that they will not remove the escrows from my account due to your loan has had payments 60 days or more delinquent over the past 24 months and that your loan has a negative escrow balance of {$4800.00}.
Per the statutory overview, point # XXXX, my loan was to be treated as if all contractual payments were made on time and in full under the terms of the mortgage contract. However, Cardinal has my account showing as payments 60 days or more delinquent over the past 24 months. Additionally, a call was made to Cardinal on XX/XX/XXXX where I spoke with a representative that stated that my loan amount that was placed in forbearance was not eligible for deferment because I had not been with loss mitigations since XXXX of XXXX.
I referred this representative to the CFPB correspondence I received advising that per the CFPB guidelines, if my payments were resumed, I would be eligible for the deferment. This rep proceeded to hang up on me and therefore, I sent an email to Cardinal to rectify this deferment issue along with the escrow issue. The response I received back was a letter that was dated XX/XX/XXXX regarding my escrows along with they will escalate this issue in regards to the deferment. Opening another CFPB case to refer legal counsel to for discriminate lending, in addition to the verbiage stating An originator that misleads a borrower concerning her rights under the CARES Act could, depending on the facts and circumstances, be at risk of committing a legal violation and causing consumer harm.
Prior to entering the COVID forbearance, my account was current with all payments made on time. This COVID forbearance situation has not been treated according to federal legislature, thus causing consumer harm and legal violation as all of the information provided by this mortgage originator has been misleading from the moment the forbearance was entered into. I will be escalating all documentation received to legal counsel.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7595734
|
2023-09-23
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue while managing or servicing your loan
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-09-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-23
|
| Complaint What Happened |
Please see the attached letter sent from Cardinal Financial, dated XXXX with regards to an appraisal. I have submitted numerous complaints against this company due to their inability to follow simple federal and conventional guidelines when servicing a mortgage loan ( for latest case information, please see CFPB case # XXXX, as this is all connected, along with every other report I have filed against this company ). Per documentation mailed to me dated XXXX, my deferment has been processed, however, I received another letter dated XXXX stating an appraisal may be ordered due to the " loss mitigation process '' and that this expense will be charged to me. However, per CFPB guidelines on processing payment deferment for COVID forbearance, an appraisal is not a part of this equation for payment deferment specifically. An appraisal does not need to be completed as I am not opening, nor have I initiated a loss mitigation request. I have not authorized my credit to be pulled, the loan terms on my current mortgage to be adjusted or negotiated, nor an appraisal to be ordered. I will not be paying for this expense of an appraisal nor will it be charged to my mortgage account ; as this is not a part of CFPB guidelines or FHLMC guidelines ( who owns my loan ). I need confirmation that this expense is not being charged to me or my account as it was never authorized by me for any reason. ***My normal mortgage payments for principal and interest have been resumed as of the effective date of XX/XX/2023. *** I have attached a copy of the XXXX letter from Cardinal with regards to the appraisal along with the XXXX letter confirming payment deferment for COVID ( Cares Act ) payments.
|
| Consumer Consent Provided |
Consent provided
|
|
