|
11400901
|
2025-01-06
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Delays with the closing process
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2025-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6425724
|
2023-01-11
|
Improper use of your report
|
Mortgage
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2023-01-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-11
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Complaint What Happened |
I reached out to New American Funding to gather information about a home equity loan on XX/XX/XXXX. I explained to the agent I was working and that the call was going to be short due to my work obligations. The agent agreed to call me back on XX/XX/XXXX to continue the conversation and answer questions. On XX/XX/XXXX I received an email from the agent 's XXXX asking how my loan process was going. I responded the agent never called me back. On XX/XX/XXXX my wife and myself both received alerts that a hard inquiry credit check was performed. The agent called me after the unauthorized credit check ; I returned the call and advised I never gave him permission to pull credit. I later spoke to the XXXX and filed a complaint. The XXXX later called me back, stated he reviewed the original call with the agent, and stated he agreed that I never authorized the credit check. The XXXX advised at this point customer service will take over. That evening I received a call from customer service that was later transferred to the XXXX XXXX ( XXXX ). The VP would not acknowledge any wrongdoing and stated I implied permission to pull credit checks on my wife and myself. The XXXX denied FCRA was violated. I asked for compensation to correct the issue myself and was denied. The VP advised the only help XXXX XXXX XXXX will offer is to correct the issue with the credit bureaus themselves and that it would require me to authorize power of attorney so they can operate on my behalf.
I never gave verbal or written permission for my credit check to be pulled.
At no time in this process did anyone speak to my wife and she never gave verbal or written permission for her credit check to be pulled.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2470623
|
2017-04-29
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-04-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-04-29
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I was shopping for mortgage lending and I contacted two lenders. One of the lenders was Broker Solutions, Inc ( or XXXX XXXX XXXX ). This company offered me a conventional, 30 year fix at 3.75 % rate. I decided to go with them and after 2 weeks of paperwork and appraisal paid for they changed the loan rate to 4.25 %, plus {$1100.00} for a 0.935 % in points. The new conditions were more disadvantageous than the other offer I had. After several emails and telephone conversations I came to the conclusion that these people lied to me and I decided to change lender because I did not feel comfortable continuing business with them. I have documents they sent me to print, sign and fax back, and the emails to confirm the original offer of 30 year fix, conventional at 3.75 %
|
| Consumer Consent Provided |
Consent provided
|
|
|
2743759
|
2017-12-02
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Older American
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10787533
|
2024-11-13
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1547812
|
2015-09-01
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2015-09-01
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-09-02
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
1569835
|
2015-09-18
|
Settlement process and costs
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Settlement process and costs
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2015-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-09-22
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Consumer Consent Provided |
Other
|
|
|
10698978
|
2024-11-06
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2024-11-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3556952
|
2020-03-06
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-03-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-03-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On XX/XX/2020 I was contacted by XXXX XXXX XXXX about an ability to refinance my loan. He said that he could with a XXXX credit score and lower interest rate than 3.5, which is my current interestrate. He sent an application to my email the same day. On XX/XX/2020 I followed the steps that the application wanted me to. The application asked for all kind of documentation that I sent. Tax returns pay stubs for past year. A copy of my dd214 from military. On XX/XX/2020 I received a call, after I uploaded all the info that the application asked me to, from XXXX XXXX XXXX who told me he had been trying to call me. He said he couldn't get me and that my voicemail wasnt working. He told me that he needed to run my credit. He also said that I jumped the gun on uploading all these documents. I told him that I was just following the prompts of the application he emailed me. He ran my credit and immediately told me that he could not do what he said. I asked him to delete all of my records that I sent his company and he said he would. On XX/XX/2020 I called back because all of my financial documents are still in there system. When I called on XXXX XXXX I talked to XXXX XXXX XXXX and asked him about why my files have not been deleted, he said he forgot and that he would jump right on it. I waited 2 more days and then called again, because my files were still there, and I couldn't get XXXX XXXX XXXX Loan Consultant NMLS # XXXX XXXX On the phone. I talked to customers service to find out if there is another way to help me. Customer service told me the managers said that they could not do this. I have been getting calls from different strange numbers since I filed with this company and I feel like they should not be holding my personal financial information like they are doing.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4205726
|
2021-03-11
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2021-03-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7230447
|
2023-07-10
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-07-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-10
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Hello, I'm low income only making {$12000.00} annually and unable to pay monthly my mortgage. I need help!
I can't find on your site help from Government free money.
Please email me the link to apply an application to get free money.
Here 's my email : XXXX Thank you for your support!
|
| Consumer Consent Provided |
Consent provided
|
|
|
8260586
|
2024-01-31
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Foreclosure
|
| Sub Product |
USDA mortgage
|
| Date Received |
2024-01-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-31
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
We have tried to work with New American Funding for home retention assistance on our Mortgage XXXX # XXXX numerous times since the default on XX/XX/2023, to avoid foreclosure. However, each time the file is canceled due to information not submitted even though there is proof the documents were submitted each time and by the due date. We are currently working with a HUD approved Housing Counseling agency, XXXX XXXX XXXX XXXX XXXX at this time for assistance. New American Funding is doing the same thing to XXXX XXXX XXXX XXXX even though ALL documents have been submitted in a timely manner. During the process, New American Funding filed for foreclosure on our home in XX/XX/2023, under XXXX XXXX XXXX case # XXXX in the middle of us trying to work out assistance. As it stands right now, a response to the summons ( attached ) was submitted yesterday through mail to the court and New American 's attorney.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6877136
|
2023-04-22
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-04-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-22
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Complaint What Happened |
Ok so i closed on my first house XX/XX/23 my monthly payment was XXXX. Two weeks ofter closing i received a email saying they have the wrong tax information for the land i of to pay a extra XXXX dollars a month. So i reach out to loan company ( new American funding ) and i told them i can not afford that. I already settled for what i can afford they said they understand and there going to call me back in 2 to 3 days time no call or email. I still go ahead and make my monthly payment for XXXX now login on there app XX/XX/23 only to see my monthly payment went from XXXX to XXXX. And i can not afford to pay that so now am worrying my house going on foreclosure because of something thats not my fault..i sign and agreed to pay XXXX a month because thats what i can afford and comfortable paying
|
| Consumer Consent Provided |
Consent provided
|
|
|
6672856
|
2023-03-09
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-03-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
on XX/XX/2022, I had purchased a house through the XXXX/New American Funding program . Before we were able to do the 2nd closing with NEW American ( Conventional closing ) the XXXX of XXXX was it by a storm. For days, I told XXXX that the drains surrounding the pool needed to be taken care of since water would not drain fast enough. I sent pictures and several emails to my realter as well as XXXX XXXX with New American. It rained every day that week before the worst storm happened on XX/XX/2022. The drain completely stopped working and several inches of water came in through the laundry, dinning/kitchen and part of the living room. I tried several times to get out of the contract due to My daughter and mom having XXXX XXXX and I could not put them at risk in a house with Mold issues but New American said I would not be allowed to back out unless i wanted to loose my Deposit of XXXX and whatever other expenses i incurred.
I demanded 2 addendums. One for the pool/enclosure and the other for the mold report/ water damage repairs, to be added to the second closing with New American so I would not be responsible for a house with water/mold damages. They agreed and we finally closed!
Weeks later, I started reaching back out to XXXX XXXX, XXXX XXXX, so they would send me the mild report so I could proceed with repairs. Nothing. I had a handyman remove part of the wall in the dinning room and it had mold behind it. I sent pictures and after several escalations, XXXX, XXXX XXXX as well as XXXX XXXX, would NOT honor the addendum for the damages inside the house. I got stuck with water damages and all the repairs that needed to get done. On XX/XX/2022 I asked XXXX XXXX to please reconsider and make this right, he refused.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9845192
|
2024-08-19
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XXXX XXXX XXXX, XXXX Executive Vice President, Director of Servicing New American Funding, XXXX RE : Credit Reporting Dispute - XXXX XXXX 's Account Dear XXXX XXXX, I am writing regarding your letter dated XX/XX/year>, in response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the reporting of late payments on my account.
I appreciate your effort in reviewing my account. However, your response does not adequately address my legal concerns regarding the accuracy of the information reported to the credit bureaus.
Under 15 U.S.C. 1681s-2 ( a ), New American Funding, LLC is legally obligated not to report inaccurate information. If you, as a furnisher of information, know or have reason to believe that the information is incorrect, you must correct it immediately. Additionally, under 15 U.S.C. 1681i, upon receiving a dispute notice, you are required to conduct a thorough investigation and correct any errors within 30 days.
You assert that no errors were made in reporting my account as delinquent. However, I have no record of receiving adequate notification that would have allowed me to dispute the information before it was reported to the credit bureaus. Furthermore, the lack of response to my direct dispute in XXXX, XXXX, or XX/XX/year> is a direct violation of your obligations under 15 U.S.C. 1681s-2 ( b ).
Given that I have fulfilled all of my obligations and that your inaccurate reporting has caused significant harm to my credit rating, I demand that you : Immediately remove the incorrectly reported late payments from all credit bureaus ( XXXX, XXXX, and XXXX ) for my account.
Provide documentary evidence that demonstrates your compliance with notification obligations and due process concerning my account.
Update my credit report to reflect the correction of any errors and provide a confirmation letter stating that the late payments have been removed from my credit history.
Should you fail to comply with these demands within the next 15 days, I reserve the right to pursue legal action under the Fair Credit Reporting Act ( FCRA ) to protect my rights as a consumer.
I look forward to your prompt response to resolve this matter amicably.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
9854139
|
2024-08-19
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10246317
|
2024-09-25
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue with the application process
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-09-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-02
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
From the outset of my efforts to refinance my duplex with NAFinc, I advised them that I did not retain copies of my tax returns beyond the 1040 signature page. Nonetheless, they insisted I provide copies from my CPA which contained errors even obvious ones with my SS #. Such copies were incorrect, never filed with the IRS and were not the actual, authentic returns. I simply retained them for future reference when I dismissed my CPA.
XXXX used the unfiled, incorrect and unofficial returns as a basis for insisting that amended returns be filed. Thereafter, they asserted that due to CPA errors the Investor Guidelines did not allow them to accept the IRS tax transcripts when I ultimately provided those in an effort to expedite closing.
I repeatedly advised XXXX that there were no copies of what I actually filed and that their use of CPA copies was improper, irrelevant and flat out wrong. Pivotal to these exchanges was the fact that the IRS accepted my corrected returns, did not require amended returns and issued me a refund! My point of contention with NAFinc was their improper use of copies NEVER filed and their insistence that returns be amended when no such requirement was imposed by the IRS.
Their new assertion that I did not qualify for a loan is fallacious. In fact, when I specifically requested a denial letter, after standing firm in refusal to amend returns, they would not provide such a letter. Instead on XX/XX/XXXX, I was told my loan was APPROVED subject only to the amended returns.
I made every attempt to move the controversy out of the hands of XXXX Underwriting Dept by writing to their General Counsel then finally wrapping in one of the co-owners. But, they did not appreciate the problem and passed it off to a customer service person who simply regurgitated what the underwriters ( who were wrong ) told her. I have emails from all concerned.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6711978
|
2023-03-17
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-03-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9713562
|
2024-08-05
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-05
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Consumer Financial Protection Bureau ( CFPB ) Subject : Account Dispute Against NEW AMERICAN FUNDING I am writing to file a formal complaint against NEW AMERICAN FUNDING due to the lack of response to a credit dispute letter I sent on [ XX/XX/XXXX ].
I am writing you this letter regarding payments that were marked late by your company for the ACCOUNT NEW AMRCN FU ACCOUNT NUMBER XXXX following accounts on the following date ( s ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.
The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9711071
|
2024-08-05
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-05
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Consumer Financial Protection Bureau ( CFPB ) Subject : Account Dispute Against NEW AMERICAN FUNDING I am writing to file a formal complaint against NEW AMERICAN FUNDING due to the lack of response to a credit dispute letter I sent on [ XX/XX/XXXX ].
I am writing you this letter regarding payments that were marked late by your company for the ACCOUNT NEW AMRCN FU ACCOUNT NUMBER XXXX following accounts on the following date ( 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 ] It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.
The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7001762
|
2023-05-19
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2023-05-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3572651
|
2020-03-19
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
No
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2020-03-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-03-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6357029
|
2022-12-23
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2022-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7146912
|
2023-06-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Personal information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-27
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Complaint What Happened |
SOME UNAUTHORIZED INQUIRIES ARE ON MY CONSUMER REPORTS THEY ARE UNLAWFULLY BEING REPORTING.
15 USC 1681N ANY PERSON WHO WILLFULLY FAILS TO COMPLY WITH ANY REQUIREMENT IMPOSED UNDER THIS SUBCHAPTER WITH RESPECT TO ANY CONSUMER IS LIABLE TO THAT CONSUMER IN AN AMOUNT EQUAL TO THE SUM.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5454005
|
2022-04-15
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-04-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-15
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I was notified by my homeowner 's insurance company on XX/XX/2022 that my premium was not paid by my mortgage company, New American Funding. The policy expired on XX/XX/2022. New American Funding never attempted to contact me. My insurance company reported to me that multiple attempts to request payment from New American Funding went unanswered. I have been in contact with New American Funding and have been given false information. I was told my premium had been paid when it had not. I spoke to a manager who again assured me that the premium was paid and later informed that it had not been paid. I have requested New American Funding to contact me to address my concerns and they have yet to give me an answer. My insurance company stated my policy is not active.
I have received no mail or email correspondence to forward to you. Please look into my complaint.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2882818
|
2018-04-21
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2018-04-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5510503
|
2022-04-27
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-04-27
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-28
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
4012951
|
2020-12-15
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-12-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-05
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX,XX/XX/XXXXNEW AMERICAN FUNDING XXXX, on XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX and on XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7561064
|
2023-09-17
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| 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 |
2023-09-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-17
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
I received an email where credit karma notifies my credit was checked by a mortgage lender ( New American Funding ) on XX/XX/2023. It provides a housing profile with a zipcode XXXX. I don't recognize this transaction, since I didnt look into mortgages.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3026570
|
2018-09-22
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-09-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-22
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
This is the second time New American Funding has not paid the home insurance per their contractual obligation resulting in my insurance being cancelled and their replacement insurance costing double or more. They did not pay ( approximately {$500.00} ) and threatened to purchase their own insurance ( approximately {$2000.00} ). Due to their lack of payment, my insurance was cancelled before I was able to make a claim regarding damage to the house ( approximately {$10000.00} for a damaged exterior wall ) and now I will not be able to make a claim with the new insurance company. They do not return my calls in a timely manner and when they do they call well after normal business hours.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5406125
|
2022-04-04
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
BROKER SOLUTIONS, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-04-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-04
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Complaint What Happened |
A New American Funding loan officer ran my credit without my permission. According to their customer support, XXXX XXXX ran my credit with my consent at XXXXXXXX XXXX but, that is not possible as I was in a meeting at XXXX XXXX I did e-consent for their soft inquiry pull which wouldnt affect my credit but, to my surprise a hard inquiry was pulled. Talk about shady business tactics and no help from support either. Told me to just dispute the inquiry.
|
| Consumer Consent Provided |
Consent provided
|
|
