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  5. FBC MORTGAGE, LLC

FBC MORTGAGE, LLC - Florida Company Profile

Headquarter

Company Details

Entity Name: FBC MORTGAGE, LLC
Jurisdiction: FLORIDA
Filing Type: Florida Limited Liability Co.

FBC MORTGAGE, LLC is structured as a Limited Liability Company (LLC), a common business structure that offers its members limited liability protection, separating their personal assets from the company's debts and obligations.
In Florida, LLCs are governed by Title XXXVI, Chapter 605, Florida Revised Limited Liability Company Act
Status: Active

The business entity is active. This status indicates that the business is currently operating and compliant with state regulations, suggesting a lower risk profile for lenders and potentially better creditworthiness.

Date Filed: 13 Oct 2005 (19 years ago)
Last Event: LC STMNT OF RA/RO CHG
Event Date Filed: 11 Jan 2023 (2 years ago)
Document Number: L05000101021
FEI/EIN Number 203702275

Federal Employer Identification (FEI) Number assigned by the IRS.
Address: 189 S ORANGE AVE, STE 970, ORLANDO, FL, 32801
Mail Address: 189 S ORANGE AVE, STE 970, ORLANDO, FL, 32801
ZIP code: 32801
County: Orange
Place of Formation: FLORIDA

Links between entities

Type Company Name Company Number State
Headquarter of FBC MORTGAGE, LLC, MISSISSIPPI 956908 MISSISSIPPI
Headquarter of FBC MORTGAGE, LLC, RHODE ISLAND 000729037 RHODE ISLAND
Headquarter of FBC MORTGAGE, LLC, ALASKA 10048222 ALASKA
Headquarter of FBC MORTGAGE, LLC, ALABAMA 000-618-349 ALABAMA
Headquarter of FBC MORTGAGE, LLC, MINNESOTA 6fd9c652-13e6-e111-afc0-001ec94ffe7f MINNESOTA
Headquarter of FBC MORTGAGE, LLC, KENTUCKY 0809381 KENTUCKY
Headquarter of FBC MORTGAGE, LLC, CONNECTICUT 0999239 CONNECTICUT
Headquarter of FBC MORTGAGE, LLC, IDAHO 358341 IDAHO
Headquarter of FBC MORTGAGE, LLC, ILLINOIS LLC_03975363 ILLINOIS

Legal Entity Identifier

LEI number Registered As Jurisdiction Of Formation General Category Entity Status Entity created at
5493005JPZ3LXXMB0S24 L05000101021 US-FL GENERAL ACTIVE 2005-10-13

Addresses
Legal C/O CORPORATION SERVICE COMPANY, 1201 HAYS STREET, TALLAHASSEE, US-FL, US, 32301
Headquarters 189 South Orange Avenue, Suite 970, Orlando, US-FL, US, 32801

Registration details
Registration Date 2017-03-16
Last Update 2024-02-29
Status ISSUED
Next Renewal 2025-02-28
LEI Issuer 5493001KJTIIGC8Y1R12
Corroboration Level FULLY_CORROBORATED
Data Validated As L05000101021

form 5500

Plan Name Plan Year EIN/PN Received Sponsor Total number of participants
FBC MORTGAGE, LLC 401(K) PROFIT SHARING PLAN 2011 203702275 2012-07-30 FBC MORTGAGE, LLC 83
File View Page
Three-digit plan number (PN) 001
Effective date of plan 2006-01-01
Business code 522291
Sponsor’s telephone number 4073770274
Plan sponsor’s address 189 SOUTH ORANGE AVE, SUITE 970, ORLANDO, FL, 32801

Plan administrator’s name and address
Administrator’s EIN 203702275
Plan administrator’s name FBC MORTGAGE, LLC
Plan administrator’s address 189 SOUTH ORANGE AVE, SUITE 970, ORLANDO, FL, 32801
Administrator’s telephone number 4073770274

Signature of
Role Plan administrator
Date 2012-07-30
Name of individual signing S.JOE NUNZIATA
Valid signature Filed with authorized/valid electronic signature
FBC MORTGAGE, LLC 401(K) PROFIT SHARING PLAN 2010 203702275 2011-07-25 FBC MORTGAGE, LLC 42
File View Page
Three-digit plan number (PN) 001
Effective date of plan 2006-01-01
Business code 522291
Sponsor’s telephone number 4073770274
Plan sponsor’s address 189 SOUTH ORANGE AVE, SUITE 970, ORLANDO, FL, 32801

Plan administrator’s name and address
Administrator’s EIN 203702275
Plan administrator’s name FBC MORTGAGE, LLC
Plan administrator’s address 189 SOUTH ORANGE AVE, SUITE 970, ORLANDO, FL, 32801
Administrator’s telephone number 4078723383

Signature of
Role Plan administrator
Date 2011-07-25
Name of individual signing SAL A JOE NUNZIATA
Valid signature Filed with authorized/valid electronic signature
FBC MORTGAGE, LLC 401(K) PROFIT SHARING PLAN 2009 203702275 2010-08-06 FBC MORTGAGE, LLC 32
File View Page
Three-digit plan number (PN) 001
Effective date of plan 2006-01-01
Business code 522291
Sponsor’s telephone number 4073770274
Plan sponsor’s address 201 SOUTH ORANGE AVENUE, SUITE 1000, ORLANDO, FL, 32801

Plan administrator’s name and address
Administrator’s EIN 203702275
Plan administrator’s name FBC MORTGAGE, LLC
Plan administrator’s address 201 SOUTH ORANGE AVENUE, SUITE 1000, ORLANDO, FL, 32801
Administrator’s telephone number 4073770274

Signature of
Role Plan administrator
Date 2010-08-06
Name of individual signing IRENE GONZALEZ
Valid signature Filed with authorized/valid electronic signature
FBC MORTGAGE, LLC 401(K) PROFIT SHARING PLAN 2009 203702275 2010-08-06 FBC MORTGAGE, LLC 32
Three-digit plan number (PN) 001
Effective date of plan 2006-01-01
Business code 522291
Sponsor’s telephone number 4073770274
Plan sponsor’s address 201 SOUTH ORANGE AVENUE, SUITE 1000, ORLANDO, FL, 32801

Plan administrator’s name and address
Administrator’s EIN 203702275
Plan administrator’s name FBC MORTGAGE, LLC
Plan administrator’s address 201 SOUTH ORANGE AVENUE, SUITE 1000, ORLANDO, FL, 32801
Administrator’s telephone number 4073770274

Signature of
Role Plan administrator
Date 2010-08-06
Name of individual signing IRENE GONZALES
Valid signature Filed with authorized/valid electronic signature

Key Officers & Management

Name Role Address
Acrisure MP, LLC Auth 100 Ottawa Avenue SW, Grand Rapids, MI, 49503
Foley Ryan G Manager 100 Ottawa Ave SW, Grand Rapids, MI, 49503
Nunziata Sal Manager 189 S Orange Ave, Orlando, FL, 32801
CORPORATION SERVICE COMPANY Agent -

Fictitious Names

Registration Number Fictitious Name Status Filed Date Expiration Date Cancellation Date Mailing Address
G25000015820 TEAM SHEVY ACTIVE 2025-02-03 2030-12-31 - 2 SUN COURT, PEACHTREE CORNERS, GA, 30092
G24000076379 THE KEITH BICE TEAM ACTIVE 2024-06-21 2029-12-31 - 189 S. ORANGE AVE, SUITE 970, ORLANDO, FL, 32801
G24000074419 TEAM KOLLER ACTIVE 2024-06-17 2029-12-31 - 189 S. ORANGE AVE, SUITE 970, ORLANDO, FL, 32801
G24000068126 TEAM DAVIS ACTIVE 2024-05-30 2029-12-31 - 189 S. ORANGE AVE, SUITE 970, ORLANDO, FL, 32801
G24000036980 ACRISURE MORTGAGE ACTIVE 2024-03-13 2029-12-31 - 189 S. ORANGE AVE SUITE 970, ORLANDO, FL, 32801
G24000033502 BUILDER BRILLIANCE ACTIVE 2024-03-05 2029-12-31 - 11400 N. KENDALL DR. STE. 106, MIAMI, FL, 33176
G23000130985 PRESTAMOS DE CASAS ACTIVE 2023-10-24 2028-12-31 - 189 S. ORANGE AVE SUITE 970, ORLANDO, FL, 32801
G23000130983 ORLANDO HOME LOANS ACTIVE 2023-10-24 2028-12-31 - 189 S. ORANGE AVE SUITE 970, ORLANDO, FL, 32801
G23000128809 HOME LOANS TODAY ACTIVE 2023-10-18 2028-12-31 - 100 OTTAWA AVENUE, SW, GRAND RAPIDS, MI, 49503
G23000021696 FBC MORTGAGE ACTIVE 2023-02-15 2028-12-31 - 189 S. ORANGE AVENUE, STE 970, ORLANDO, FL, 32801

Events

Event Type Filed Date Value Description
LC STMNT OF RA/RO CHG 2023-01-11 - -
REGISTERED AGENT NAME CHANGED 2023-01-11 CORPORATION SERVICE COMPANY -
REGISTERED AGENT ADDRESS CHANGED 2023-01-11 1201 HAYS STREET, TALLAHASSEE, FL 32301 -
MERGER 2012-11-09 - CORPORATION WAS A MERGER RESULT. TOTAL NUMBER OF QUALIFIED CORPORATION(S) INVOLVED WAS 0. MERGER NUMBER 900000126649
CHANGE OF PRINCIPAL ADDRESS 2011-01-17 189 S ORANGE AVE, STE 970, ORLANDO, FL 32801 -
CHANGE OF MAILING ADDRESS 2011-01-17 189 S ORANGE AVE, STE 970, ORLANDO, FL 32801 -

Court Cases

Title Case Number Docket Date Status
PAMELA K. WINCHIE VS GEOFFREY W. COLINO, et al. 4D2019-2960 2019-09-20 Closed
Classification NOA Final - Circuit Civil - Other
Court 4th District Court of Appeal
Originating Court Circuit Court for the Fifteenth Judicial Circuit, Palm Beach County
502017CA005403

Parties
Name PAMELA K. WINCHIE
Role Appellant
Status Active
Representations Richard S. Lubliner
Name GEOFFREY W. COLINO
Role Appellee
Status Active
Representations Christopher S. Salivar, Stephanie C. Mazzola, JOSEPH BRIAN LANCOS, Paul O. Lopez, Andrew M. Schwartz
Name JUDY A. FERRIS
Role Appellee
Status Active
Name FIRST BANK OF THE PALM BEACHES
Role Appellee
Status Active
Name FBC MORTGAGE, LLC
Role Appellee
Status Active
Name NORTH AMERICAN TITLE COMPANY
Role Appellee
Status Active
Name Hon. Donald W. Hafele
Role Judge/Judicial Officer
Status Active
Name Clerk - Palm Beach
Role Lower Tribunal Clerk
Status Active

Docket Entries
Docket Date 2020-12-03
Type Disposition by Opinion
Subtype Affirmed
Description Affirmed - Per Curiam Affirmed
Docket Date 2021-01-22
Type Mandate
Subtype Mandate
Description Mandate
Docket Date 2021-01-06
Type Misc. Events
Subtype West Publishing
Description West Publishing
Docket Date 2021-01-06
Type Order
Subtype Order on Motion for Rehearing
Description ORD-Denying Rehearing ~ ORDERED that appellant's December 18, 2020 motion for rehearing or written opinion is denied.
Docket Date 2021-01-04
Type Response
Subtype Response
Description Response
On Behalf Of GEOFFREY W. COLINO
Docket Date 2020-12-18
Type Post-Disposition Motions
Subtype Motion for Rehearing
Description Motion For Rehearing ~ OR FOR WRITTEN OPINION.
On Behalf Of PAMELA K. WINCHIE
Docket Date 2020-12-03
Type Order
Subtype Order on Motion For Attorney's Fees
Description Order Granting Attorney's Fees ~ ORDERED that appellee, Geoffrey W. Colino's June 4, 2020 motion for appellate attorney's fees is granted, pursuant to section 772.11, Florida Statutes., conditioned upon the trial court finding that the appellant raised a claim that was without substantial fact or legal support or pursuant to section 57.105, Florida Statutes, conditioned upon the trial court finding the appellee is entitled to fees under the statute. The appellee's motion for costs is denied without prejudice to pursue a motion for costs in the trial court.
Docket Date 2020-09-03
Type Order
Subtype Order Dispensing with Oral Argument
Description ORD-Dispensing Oral Argument ~ After reviewing the briefs, the court, pursuant to Florida Rule of Appellate Procedure 9.320, has dispensed with oral argument. The case will be submitted to a conference by a panel of the court.
Docket Date 2020-08-31
Type Brief
Subtype Reply Brief
Description Appellant's Reply Brief
On Behalf Of PAMELA K. WINCHIE
Docket Date 2020-08-10
Type Order
Subtype Order on Motion for Extension of Time to Serve Reply Brief
Description Order Granting EOT for Appellant's Reply Brief ~ ORDERED that appellant's August 7, 2020 motion for extension of time to serve reply to answer brief is granted, and appellant shall serve the reply brief on or before August 31, 2020. In addition, if the reply brief is served after the time provided for in this order, it may be stricken.
Docket Date 2020-08-07
Type Motions Extensions
Subtype Motion for Extension of Time to Serve Reply Brief
Description Mot. for Extension of Time to File Reply Brief
On Behalf Of PAMELA K. WINCHIE
Docket Date 2020-08-06
Type Motions Relating to Attorney Fees/Costs
Subtype Motion For Attorney's Fees
Description Motion For Attorney's Fees
On Behalf Of PAMELA K. WINCHIE
Docket Date 2020-07-16
Type Order
Subtype Order on Motion for Extension of Time to Serve Reply Brief
Description Order Granting EOT for Appellant's Reply Brief ~ ORDERED that appellant's July 15, 2020 motion for extension of time is granted, and appellant shall serve the reply brief on or before August 10, 2020. In addition, if the reply brief is served after the time provided for in this order, it may be stricken.
Docket Date 2020-07-15
Type Motions Extensions
Subtype Motion for Extension of Time to Serve Reply Brief
Description Mot. for Extension of Time to File Reply Brief
On Behalf Of PAMELA K. WINCHIE
Docket Date 2020-06-24
Type Order
Subtype Order on Motion for Extension of Time to Serve Reply Brief
Description Order Granting EOT for Appellant's Reply Brief ~ ORDERED that appellant's June 23, 2020 motion for extension of time is granted, and appellant shall serve the reply brief on or before July 27, 2020. In addition, if the reply brief is served after the time provided for in this order, it may be stricken.
Docket Date 2020-06-23
Type Motions Extensions
Subtype Motion for Extension of Time to Serve Reply Brief
Description Mot. for Extension of Time to File Reply Brief
On Behalf Of PAMELA K. WINCHIE
Docket Date 2020-06-04
Type Order
Subtype Order on Motion for Extension of Time to Serve Answer Brief
Description Order Granting EOT for Answer Brief ~ ORDERED that appellee's June 2, 2020 motion for extension of time is granted. The June 3, 2020 answer brief is deemed timely filed.
Docket Date 2020-06-04
Type Motions Relating to Attorney Fees/Costs
Subtype Motion For Attorney's Fees
Description Motion For Attorney's Fees
On Behalf Of GEOFFREY W. COLINO
Docket Date 2020-06-03
Type Brief
Subtype Answer Brief
Description Appellee's Answer Brief ~ GEOFFREY W. COLINO
On Behalf Of GEOFFREY W. COLINO
Docket Date 2020-06-02
Type Motions Extensions
Subtype Motion for Extension of Time to Serve Answer Brief
Description Mot. for Extension of time to file Answer Brief
On Behalf Of GEOFFREY W. COLINO
Docket Date 2020-05-26
Type Notice
Subtype Notice of Appearance
Description Notice of Appearance
On Behalf Of GEOFFREY W. COLINO
Docket Date 2020-05-26
Type Order
Subtype Order on Motion for Extension of Time to Serve Answer Brief
Description Order Granting EOT for Answer Brief ~ ORDERED that appellee's May 26, 2020 amended motion for extension of time is granted, and appellee shall serve the answer brief on or before June 2, 2020. In addition, appellee is notified that the failure to serve the brief within the time provided herein may foreclose appellee's right to file a brief or otherwise participate in this appeal.
Docket Date 2020-05-26
Type Motions Extensions
Subtype Motion for Extension of Time to Serve Answer Brief
Description Mot. for Extension of time to file Answer Brief ~ AMENDED MOTION FILED.
On Behalf Of GEOFFREY W. COLINO
Docket Date 2020-02-26
Type Order
Subtype Order on Agreed Extension of Time
Description Recognizing Agreed Extension of Time ~ TO 5/26/20
Docket Date 2020-02-26
Type Notice
Subtype Notice of Agreed Extension of Time - Answer Brief
Description Notice of Agreed Extension - Answer Brief
On Behalf Of GEOFFREY W. COLINO
Docket Date 2020-01-31
Type Order
Subtype Order on Motion to Supplement Record & EOT/Toll Briefing
Description Order Granting Motion to Supplement the Record ~ ORDERED that appellant's January 30, 2020 motion to supplement the record is granted and the proposed supplemental record is deemed filed.
Docket Date 2020-01-30
Type Motions Relating to Records
Subtype Motion to Supplement Record
Description Motion To File Supplemental Record
On Behalf Of PAMELA K. WINCHIE
Docket Date 2020-01-30
Type Record
Subtype Supplemental Record
Description Supplemental Records ~ (22 PAGES)
On Behalf Of PAMELA K. WINCHIE
Docket Date 2020-01-29
Type Record
Subtype Appendix
Description Appendix to Brief
On Behalf Of PAMELA K. WINCHIE
Docket Date 2020-01-29
Type Motions Relating to Oral Argument
Subtype Motion/Request for Oral Argument
Description Request for Oral Argument
On Behalf Of PAMELA K. WINCHIE
Docket Date 2020-01-28
Type Order
Subtype Order Striking Filing
Description Order Striking Appendix - Non-Compliance With R. 9.220 ~ ORDERED that the appellant's appendix to the initial brief is stricken as not in compliance with Florida Rule of Appellate Procedure 9.220(c), which was amended effective October 1, 2017, in that it was not properly indexed and consecutively paginated, beginning with the cover sheet as page 1, was not paginated so that the page numbers displayed by the PDF reader exactly match the pagination of the index, and was not bookmarked in compliance with Rule 9.220(c)(3). An amended appendix in compliance with Rule 9.220(c) shall be filed within two (2) days from the date of this order.
Docket Date 2020-01-27
Type Brief
Subtype Initial Brief
Description Initial Brief on Merits
On Behalf Of PAMELA K. WINCHIE
Docket Date 2020-01-27
Type Record
Subtype Appendix
Description Appendix to Brief ~ **STRICKEN**
On Behalf Of PAMELA K. WINCHIE
Docket Date 2019-11-25
Type Order
Subtype Order on Agreed Extension of Time
Description Recognizing Agreed Extension of Time ~ 60 DAYS TO 1/27/20
Docket Date 2019-11-25
Type Notice
Subtype Notice of Agreed Extension of Time - Initial Brief
Description Notice of Agreed Extension - Initial Brief
On Behalf Of PAMELA K. WINCHIE
Docket Date 2019-11-18
Type Notice
Subtype Notice of Appearance
Description Notice of Appearance
On Behalf Of GEOFFREY W. COLINO
Docket Date 2019-10-22
Type Record
Subtype Record on Appeal
Description Received Records ~ (4633 PAGES)
Docket Date 2019-09-20
Type Misc. Events
Subtype Fee Status
Description A3:Paid In Full - $300
Docket Date 2019-09-20
Type Notice
Subtype Notice of Appeal
Description Notice of Appeal Filed
On Behalf Of PAMELA K. WINCHIE
Docket Date 2019-09-20
Type Letter
Subtype Acknowledgment Letter
Description Acknowledgment Letter
Docket Date 2019-09-20
Type Order
Subtype Order on Filing Fee
Description ORD-Pay Filing Fee-Civil Appeal ~ The jurisdiction of this court was invoked by filing of a Notice of Appeal in the lower tribunal. The $300.00 filing fee, or a circuit court clerk's determination of indigent status, did not accompany the Notice of Appeal as required in Florida Rules of Appellate Procedure 9.110(b) and 9.140(a). The filing fee is due and payable at the time of filing REGARDLESS OF WHETHER THE APPEAL IS LATER DISMISSED VOLUNTARILY OR ADVERSELY.ORDERED that appellant shall pay the $300.00 filing fee or file the circuit court clerk's determination of indigent status in this court within ten (10) days from the date of this order. The fee may be paid electronically through the Florida Courts E-Filing Portal – see the court’s website for details. Failure to comply within the time prescribed will result in dismissal of this cause and may result in the court sanctioning of any party, or the party's attorney, who has not paid the filing fee. The attorney filing the Notice of Appeal has a duty to tender the filing fee to the appellate court when the appeal is initiated. See In Re Payment of Filing Fees, 744 So. 2d 1025 (Fla. 4th DCA 1997). Failure of the attorney to pay will result in referral to the Department of Financial Services for collection.**NOTE: This order does not toll the time for filing any pleadings necessary to prosecute this appeal and no extensions of time will be entertained. Once the fee is paid, it is not refundable. Except for dismissal, this court will take no action in this appeal until the filing fee is paid or until a circuit court clerk's determination of indigent status is filed.

Documents

Name Date
AMENDED ANNUAL REPORT 2024-05-09
AMENDED ANNUAL REPORT 2024-03-27
ANNUAL REPORT 2024-02-08
AMENDED ANNUAL REPORT 2023-06-09
ANNUAL REPORT 2023-04-05
CORLCRACHG 2023-01-11
AMENDED ANNUAL REPORT 2022-12-02
ANNUAL REPORT 2022-03-09
AMENDED ANNUAL REPORT 2021-08-03
ANNUAL REPORT 2021-03-06

CFPB Complaint

Complaint Id Date Received Issue Product
3840313 2020-09-10 Applying for a mortgage or refinancing an existing mortgage Mortgage
Issue Applying for a mortgage or refinancing an existing mortgage
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product FHA mortgage
Date Received 2020-09-10
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-09-10
Complaint What Happened I contacted the mlo XXXX XXXX to get an update on my mortgage and for to explain to me what's going on. This has never been explained to me and the mortgage broker has refused to call me back etc. Today I called and this MLO insulted me and told me that I am not the one with a foreclosure and a bankruptcy on her credit ... I can not believe of the complete unethical behavior in her position that I have to wait as this is an affiliate of the builder and if I don't wait they will keep my deposit towards the home. I contacted the builder but they have not called me back
Consumer Consent Provided Consent provided
3120337 2019-01-09 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company FBC MORTGAGE, LLC
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2019-01-09
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-01-16
Complaint What Happened This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer Consent Provided Consent provided
3067251 2018-11-06 Trouble during payment process Mortgage
Issue Trouble during payment process
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product Conventional home mortgage
Date Received 2018-11-06
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-11-06
Complaint What Happened I applied for a loan mod about 7 months ago and was denied. I have since paid all of my past due balances. They are now forcing an escrow account on my existing mortgage and trying to force me into another loan mod. I have no agreement other than my original mortgage.They have agreed that they are wrong but continue to harass me and push the new loan mod.
Consumer Consent Provided Consent provided
3028929 2018-09-25 Struggling to pay mortgage Mortgage
Tags Servicemember
Issue Struggling to pay mortgage
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product VA mortgage
Date Received 2018-09-25
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-09-25
Consumer Consent Provided Consent not provided
3050098 2018-10-18 Applying for a mortgage or refinancing an existing mortgage Mortgage
Issue Applying for a mortgage or refinancing an existing mortgage
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product FHA mortgage
Date Received 2018-10-18
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-10-18
Complaint What Happened The complaint is against FBC Mortage, LLC XXXX XXXX from the start it was impossible to get a hold of XXXX or get replies back form vm and emails. First it was misleading we were told that our payments would be XXXX or lower a month. Are initial loan document had all the wrong numbers and when I pointed it out he told me not to worry about it. The application was just to get started. I sent them all the docs they requested that same day requested. They never confirmed received and they they lose some of them I had to resend them. Throughout the process I kept asking if they had everything no reply and days later they would reply and say yes. Well 3 months before closing I asked are we all set they go oh no we need some more docs, its like when did you plan on calling me. Two weeks before closing which was set to be XX/XX/2018 I kept asking when do we lock interest rate when do we get the final loan documents so I can review and make sure everything is correct. XXXX XXXX kept making excuses and putting me off. Three days before closing he finally locked interest ( and not because I was late on getting docs back he delayed I have no reason why ) and emailed us the docs rushing us that we needed to sign that night he emailed it to us around XXXX XXXX. When I saw the interest rate I asked why is it higher over 1. percent he goes to me it went up this week. So what you are telling me because you waited so long on locking the rate we now have to pay more mortgage payment. When I was asking for the documents the week before closing XX/XX/2018 it was at 4.85 and he locked it in the next week at I believe over 5. Because of this we could no longer afford the payment they wanted over {$1800.00} a month and we kept telling them we can't afford more then {$1600.00} they kept telling us and misleading us telling us they would be low. We could not go into a new home deal knowing we would loose the house and had to walk away. Because of that we lost the {$3000.00} deposit.
Consumer Consent Provided Consent provided
1982670 2016-06-24 Application, originator, mortgage broker Mortgage
Issue Application, originator, mortgage broker
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product VA mortgage
Date Received 2016-06-24
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2016-06-27
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened My wife applied for a loan estimate on my behalf at FBC Mortgage , LLC. They demanded additional documentation ( pay stubs, XXXX, tax returns, drivers license, bank statements, college diploma, educational transcripts ). She provided all documentation, and finally 2 weeks later, they sent an unofficial estimate ( " Pre-Application Worksheet '' ) that states : " Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. '' Also, the document had an incorrect purchase price and loan amount, and the property address zip code was about XXXX miles off.
Consumer Consent Provided Consent provided
1894806 2016-04-25 Application, originator, mortgage broker Mortgage
Issue Application, originator, mortgage broker
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product FHA mortgage
Date Received 2016-04-25
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2016-05-04
Company Public Response Company disputes the facts presented in the complaint
Complaint What Happened I feel the need to put this in front of the powers that be. I am a mortgage loan originator for XXXX XXXX in XXXX Florida. I have made it my goal to help my clients in everyway possible for there home purchases and refinances. I have encounter a lot of hiccups lately with dealing on new home purchases. In particular XXXX XXXX in XXXX XXXX XXXX. I have now had XXXX clients that have purchased there new homes and I have to say that even though there homes are great quality there business practices are appalling. I have to say what they do seems and sounds like Steering to me. Here 's why : When you enter an XXXX home you can clearly see signs about using there preferred lender for No Closing costs ( which is already a lie ) And than after telling a rep of XXXX homes that your financing has been secured they pass your information on to there preferred lender who proceeds to barrage the borrower with emails ... even after telling them there is no interest in dealing with them. It is clear that steering is taking place because it is written in there contracts and told to the borrower that if you do not use our finance company than you will incur all the closing costs as opposed to paying none of them. If XXXX homes has no financial benefit from using there preferred lender than why force the fees that are traditionally covered in our area? Why penalize the borrower thousands of dollar 's? XXXX of there preferred lenders is FBC Mortgage from XXXX Florida. They call the client after a {$1000.00}. deposit is made and ask a couple of questions. They do not run the credit of the borrower, but still send them an approval for a loan. If the home is being built than XXXX can pocket the {$1000.00}. deposit and claim the borrower no longer qualifies and puts the home on the market. This leaves the initial person after months of waiting out of his money and a home! I have read numerous complaints online of this act. It seems criminal and I am surprised to see it continue to happen over the years with no investigation to the process. I do n't know if you receive the complaints on this or if this is the right place for it, but I feel enough is enough with this practice and felt compelled to write about it
Consumer Consent Provided Consent provided
5885022 2022-08-16 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company FBC MORTGAGE, LLC
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2022-08-16
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-08-16
Consumer Consent Provided Consent not provided
2702637 2017-10-16 Closing on a mortgage Mortgage
Issue Closing on a mortgage
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product FHA mortgage
Date Received 2017-10-16
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-10-16
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened In connection with regards to the above mention capture, a contract agreement was enter and agreed upon on into ( XX/XX/XXXX ) date, for the sale of this property in the amount of ( {$180000.00} ) due the appraisal value coming in {$2000.00} more I believe the sales price was increase and an amendment to the contract of sale was done in which I never signed, nor did I agree to pay the revised sales price. As a result of this my loan with FBC Mortgage was suspended for the following issues, having less a two employment history, in which I provide supporting documentation for supporting I had a two year work history. ( I was hurt on the job and was out on workmen compensation ) and the owner 's wife who is the bookkeeper put the incorrect dates on my verification of employment. The other was my debt to income ratio but I am really not sure why this was an issue as I could have paid off and closed any debt to reduce my ratios. ( Our income is {$5100.00} and our proposed housing payment would have been {$1300.00} making our front ratio 27 ). My credit has been ran multiple times and the report was n't even 120 days old. Why was my credit ran after the application ( XX/XX/XXXX )? This is very disturbing, my wife and I are very disappointed in how are our mortgage was mishandled, misled, Totally lack of communication at times with the loan orginator XXXX XXXX, professionalism and respect. I thought FBC Mortgage was a reputable organization referred through XXXX XXXX as we were looking forward to being homeowners. What FBC Mortgage did was not right and if I could get my message across to help someone else who may have experienced what I went through it could mean a lot. Everyone deserves a fair opportunity to become homeowners.
Consumer Consent Provided Consent provided
4141083 2021-02-15 Applying for a mortgage or refinancing an existing mortgage Mortgage
Issue Applying for a mortgage or refinancing an existing mortgage
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product Conventional home mortgage
Date Received 2021-02-15
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-02-15
Complaint What Happened XX/XX/XXXX This is a complaint against FBC Mortgage alleging discriminatory practices and criminal Intent to violate privacy. Dear Sir/Madam, I originated a loan for a cash-out refinance with FBC Mortgage in XX/XX/XXXX with the XXXX, Florida office. After a period of gross incompetence by the first loan originator and sales manager XXXX the file was transferred to XXXX XXXX, a second loan originator. The loan is now being processed by a second loan processor after the first, XXXX XXXX was told to relinquish work on the file. The loan progressed to the conditional approval where it was stuck for several weeks. Background : On XX/XX/XXXX I sent an email with an attachment containing an Internal Revenue Service document that confirmed acceptance of the electronic filing of my XXXX tax returns.to satisfy a condition stipulated by FBC Mortgage. This condition was a prerequisite for approval of a mortgage loan. I requested an acknowledgement of receipt of said document. Instead, I receive a response that did not acknowledge my email but expressed a blatant act of unauthorized use of a U.S. Government System by FBC Mortgage. Offense1 : UNAUTHORIZED USE OF A U.S GOVERNMENT SYSTEM The Get Refund Status on the IRS.gov website explicitly states : Unauthorized use of this system is prohibited and subject to criminal and civil penalties, including all penalties applicable to willful unauthorized access ( UNAX ) OR inspection of taxpayer records ( under 18.U.S.C. 1030 and 26 U.S.C 7231A and 7431 ). The regional underwriting manager ( referenced in FBC email ) at FBC directed an FBC employee ( XXXX XXXX ) to violate the law cited above and use my name ( XXXX XXXX ), my social security number, and other personal information to access my tax records at the U.S. Treasury Department without my authorization. The unnamed regional underwriting manager declared his/her intent to commit a criminal offense as outlined in the email below. On XX/XX/XXXX an email from FBC Mortgage ( XXXX XXXX ) stated : XXXX, as directed by the regional underwriting manager, I will check the wheres my refund status for a {$0.00} refund in the next few days, as it will take a couple days to register. I will keep you posted An email was sent to FBC on XX/XX/XXXX seeking clarification of the intent to access my IRS records without authorization from me. There was no response from FBC. Offense 2 : Violation of Privacy Social Security Administration : The regional underwriting manager directed XXXX XXXX XXXX to gain access to my personal record and that of a minor child at the Social Security Administration ( SSA ) without my authorization XXXX XXXX called the Social Security Administration and provided in XX/XX/XXXX and used my name ( XXXX XXXX ), social security number, and other personal information and the information of a minor, XXXX XXXX to gather, review or otherwise access information about my social security payments. I did not authorize FBC Mortgage ( verbal or written ) personnel to access or attempt to access my file at the SSA. And more importantly, I did not authorize FBC to access information at the SSA about a minor. Social Security Award documents were already provided to XXXX XXXX two months prior. It was only after the agent at the Social Security Administration refuse to provide my personal financial information to XXXX XXXX that he contacted me to join a three-way call where he listened in to my answers to my security questions to verify my identity during the call- clear violations of ethical practice and an invasion of privacy. Offense 3 : On XX/XX/XXXX FBC transmitted an email to me with a list of 5 documents required for final approval for the loan. Item # 5 on the list requested 60 days of bank statements for all checking/savings accounts ( estimated ( $ XXXX total ). This request was highly irregular because it was not consistent with guidelines for reserves. Guidelines for reserves require two months of reserve funds. The above request required twenty times the amount indicated in lending guidelines. This appeared to be a deliberate attempt to thwart the approval of the loan. Violation of guidelines : An amended XXXX tax return was submitted to FBC in XXXX. The regional underwriting manager refused to accept the amended tax returns without providing lending guidelines to support the decision. Subsequently, FBC accepted XXXX tax returns ( unamended ) with similar rental income figures. Disturbing Patterns-Disclosure violations : Several attempts were made by me, XXXX XXXX, ascertain the final condition of the loan that needed to be satisfied to gain final approval. FBC has deliberately refused to provide a written requirement ( condition/stipulation ) to move the loan to the final approval stage. I left two messages with the Regional Sales Manager, XXXX XXXX but I did not receive a response. On XX/XX/XXXX, I spoke with XXXX XXXX and requested the additional information to satisfy the conditions of the file be provided to me in writing by XXXX XXXX. The information was not received. On XX/XX/XXXX I spoke with sales manager, XXXX XXXX who stated that there was only one condition that was required to be satisfied. He stated that FBC needed proof that XXXX tax returns were filed. He reiterated that proof of XXXX tax filing was the only condition left to be satisfied. He too failed to provide a written request of that condition required for final approval. Subsequent calls to XXXX XXXX met with no response even after leaving messages. On XX/XX/XXXX, I spoke with XXXX XXXX who had originally promised to provide a written account of the additional information ( required condition ) but failed to do so. Some information was disclosed after I threatened to file a complaint. Non-Compliance : Without the outstanding condition/s being satisfied the loan will never close. The outstanding condition will not be satisfied for underwriting to approve the loan because FBC refuses to disclose in writing what additional information ( condition/s ) must be satisfied to gain final approval. To compound the problem, FBC removed the file from the processor XXXX XXXX and left it without a processor to work on the file for approximately two weeks. Discrimination : The loan has been I process for five months with to two loan processors ( XXXX XXXX, XXXX XXXX ) and two loan originators ( XXXX XXXX, XXXX ). Yet the loan is still not approved. I do not believe that mere incompetence or inadvertence accounts for the violations outlined. The actions or lack thereof by personnel at FBC Mortgage are indicative of a more systemic problem of discrimination based on race, age, and national origin. Resolution : FBC Mortgage must cease and desist from persistent violations of privacy rights. FBC Mortgage must provide appropriate feedback in a timely manner to facilitate approval. FBC must provide written assurance that the discriminatory practices applied to my file will cease immediately. I await your response to this serious complaint. Sincerely yours, XXXX XXXX CC : Florida Department of Financial Regulations
Consumer Consent Provided Consent provided
3300201 2019-07-09 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 FBC MORTGAGE, LLC
Product Mortgage
Sub Product VA mortgage
Date Received 2019-07-09
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-07-23
Complaint What Happened From XXXX XXXX I was contacted by FBC Mortgage , LLC Underwriter XXXX XXXX and she was disrespectful and Call me to verify a credit card that was paid off and was at a XXXX balance. She had me call XXXX on the phone with her on the line to verify that it was a XXXX balance. I had to state my password and other personal information and once I completed the call I called XXXX and changed my information. I submitted documentation showing my credit card had XXXX balance and credit in my favor. I also submit the document for my XXXX XXXX as well. She went on to ask me why I purchase grocery at the military base and why did I withdraw {$140.00} from the ATM. She stated are you sure that was your XXXX XXXX money and that is when I stop speaking to her. When I requested FBC mortgage for her information and that I will like to file a formal complaint against her for her unethical and disrespectful behavior. I feel she was discriminatory towards me because of my veteran status. FBC gave me only an email to file the complaint and no one has contacted me. FBC refused to give me her information or reprimand her or even apologize for your behavior. This is no way to treat a veteran and a XX/XX/11 survivor. This underwriter is biased towards veterans.
Consumer Consent Provided Consent provided
3098948 2018-12-12 Applying for a mortgage or refinancing an existing mortgage Mortgage
Issue Applying for a mortgage or refinancing an existing mortgage
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product Conventional home mortgage
Date Received 2018-12-12
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-12-13
Complaint What Happened I applied for a loan with FBC Mortgage , LLC as the preferred lender for XXXX XXXX. My contract with XXXX XXXX has a contingency clause regarding financing since they do not do contingency based on the sale of my current home. My loan is conditionally approved with a substantial down payment of almost 80K which is to come from the proceeds of selling my current home. I was never approved or qualified for the full purchase price of the new home. I have not found a buyer for my house and XXXX XXXX stated that per the conditions and terms of my contract, I have to close on this home this month. I requested a letter from XXXX XXXX with FBC Mortgage stating that I can not close due to financing and the lack of the down payment required as a condition of my loan. He has refused to give this to me and stated I needed to work it out with XXXX XXXX. Now I am being told that since I have a conditional approval, this voids the financing contingency. I have a {$5000.00} deposit that I want returned. XXXX XXXX did not put this money in an Escrow account and I was strongly discouraged from doing this because " they never keep anyone 's deposit ''. I feel like there is collusion between the builder and the FBC Mortgage and the lender is not acting in my best interest. They have encouraged me to rent my house, get someone to sign as co-borrower, etc. This is encouraging high risk financing & I feel like in light of the mortgage collapse back in 2008, this should not be done. I am being bullied by the mortgage company and the builder to continue this contract. I just want to invoke my cancellation due to financing ; however, FBC is partially owned by XXXX XXXX so I am not able to get this documentation. I feel other consumers should be warned about the unfair practices of this mortgage company and builder. I would never have signed a contract with a company that would use a conditional approval as a means to keep my deposit.
Consumer Consent Provided Consent provided
5868449 2022-08-11 Trouble during payment process Mortgage
Issue Trouble during payment process
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product FHA mortgage
Date Received 2022-08-11
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-08-11
Consumer Consent Provided Consent not provided
2211533 2016-11-15 Loan modification,collection,foreclosure Mortgage
Issue Loan modification,collection,foreclosure
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product FHA mortgage
Date Received 2016-11-15
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2016-11-15
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened We applied for a loan mitigation with FBC Mortgage. We were denied twice ( 2x ) due to ( according to FBC ) our income being to low and debt ratio being too high. I was approved for the loan on my income alone and was with the same job with increase in salary. After the 2nd denial, I added my husband 's income ( $ XXXX monthly ) and still was denied. I called FBC on several occasions and the representatives were unable to give me the figures the underwriters used to determine our approval/denial. We are getting the run around and inconstant answers. We are wanting to keep our home and FBC seem to be taking our situation lightly.
Consumer Consent Provided Consent provided
1262220 2015-03-01 Loan servicing, payments, escrow account Mortgage
Tags Older American
Issue Loan servicing, payments, escrow account
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product Conventional fixed mortgage
Date Received 2015-03-01
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2015-03-09
Consumer Consent Provided N/A
1994228 2016-06-30 Other Mortgage
Issue Other
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product Other mortgage
Date Received 2016-06-30
Submitted Via Referral
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2016-07-05
Company Public Response Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided N/A
2927634 2018-06-05 Struggling to pay mortgage Mortgage
Issue Struggling to pay mortgage
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product FHA mortgage
Date Received 2018-06-05
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-06-05
Complaint What Happened In XX/XX/XXXX Hurricane Irma came through Florida. We had a 30ft tall oak tree fall on our house. It was XXXX to have it removed. Insurance wouldn't cover it. We did a 90 Day mortgage forbearance with FBC Mortgage so we could pay to have the tree removed. In XX/XX/XXXX, I called several times and spent hours on hold only to be told someone from the loss mitigation would call me back. It was XX/XX/XXXX before I could get a hold of someone who would actually talk to me. We talked about options for that 3 months of payments and started the Loan Modification process. I received a Letter from FBC stating that they had received my information and it was sent to the underwriters and I would have a decision 30 days from XX/XX/XXXX. It is now XX/XX/XXXX. I call them every week to find out what's going on. All I ever get is it is still with the underwriters and that's all they can tell me. We are way past the 30 day mark, by months. In XX/XX/XXXX they made me resubmit all of my paperwork because the batch I sent over in XX/XX/XXXX had expired. I resumed my normal payments every month, by having to call them because they suspended my online and automated payments. But in the time they have been stalling, they have been reporting me late to the credit bureaus and charging me late fees on the 3 months that is supposed to be modified back into the loan that they were supposed to complete months ago. If they had completed it, there would be no late anything. I am being penalized because they are stalling and I don't know why. I did everything they asked and followed all of their rules. No one will tell me what ; s going on. They are ruining my credit and I don't know if they are going to take away my house. I can't find anyone from FBC to help or give me actual answers. I don't know what to do. I need someone to help me. All I can get from them is that my account is in underwriting where it has been since XX/XX/XXXX and that there is no one there I can be transferred to that can help me. They give me the run around every time and avoid giving me any information. Making payments is hit or miss. Some of the people who answer will take a payment and others tell me to wait until the modification is complete. I just keep calling back until someone takes a payment but I shouldn't have to do that. I shouldn't be treated this way. I have attached the documents I have received. After the letter in XX/XX/XXXX I have received no further paperwork regarding the modification, only many many upset phone calls I have made.
Consumer Consent Provided Consent provided
6402123 2023-01-05 Trouble during payment process Mortgage
Issue Trouble during payment process
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product FHA mortgage
Date Received 2023-01-05
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-01-05
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint What Happened On XX/XX/2022 got the notification of the HAF department that I was approved for mortgage assistance for past due payments and an additional 6 months of forward payments. The approval letter has been sent to my mortgage company which is FBC Mortgage. My loan number is XXXX. The amount past due that was sent out to the mortgage company is {$10000.00}. This amount was sent out to FBC Mortgage in XX/XX/2022 and they still have not posted it on my account. I have been calling FBC Mortgage every week since XXXX and they always give me the same answer : they dont have it. I called the HAF department and they show the mortgage company has cashed their check. I dont understand how this could be possible. Its very unfair for them to be holding a check for more than 30 days now and having my loan to accrue more money in interests.
Consumer Consent Provided Consent provided
2240049 2016-12-07 Settlement process and costs Mortgage
Issue Settlement process and costs
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product Other mortgage
Date Received 2016-12-07
Submitted Via Postal mail
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2016-12-07
Company Public Response Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided N/A
3427619 2019-11-04 Trouble during payment process Mortgage
Tags Servicemember
Issue Trouble during payment process
Timely No
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product Conventional home mortgage
Date Received 2019-11-04
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-11-04
Complaint What Happened I have tried for six weeks to get XXXX to endorse and send checks from Insurance company to pay for work done. XX/XX/XXXX Roof Damage XXXX XXXX issued half payment check to get work started. I mailed to XXXX XXXX they endorsed and Work started. Work was completed XX/XX/XXXX. Insurance company inspected and approved Issued checks for final payment County inspected and signed off on the work as well. I mailed insurance checks again to Mortgage company and they returned them UNENDORSED. They claim they needed to see the estimate and W9 for the roofers and a list of documents. I mailed the documents and check AND ALSO faxed them as requested. I was told they do NOT correspond through Email. I then received a letter stating that they understand that I have had damage. Which makes no sense since they endorsed the checks to start the work. I called and was then told that the roofer needed to fill out one of their special forms. I requested it sent to me as well as a call back from a supervisor. Six weeks have passed and they are still holding the checks from the Insurance Company. I am not able to pay the roofers who did the work. As far as the insurance company is concerned the work is done and the claim is finished. Each time I call they are rude and I feel as if they are being unreasonable when I only want to be able to pay the workers for what they did. My insurance company provided the check payment. This is just a simple endorsement.
Consumer Consent Provided Consent provided
2986469 2018-08-08 Closing on a mortgage Mortgage
Issue Closing on a mortgage
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product Conventional home mortgage
Date Received 2018-08-08
Submitted Via Phone
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-08-08
Consumer Consent Provided N/A
3287789 2019-06-24 Struggling to pay mortgage Mortgage
Issue Struggling to pay mortgage
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product Other type of mortgage
Date Received 2019-06-24
Submitted Via Referral
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-06-27
Consumer Consent Provided N/A
4958787 2021-11-30 Closing on a mortgage Mortgage
Tags Servicemember
Issue Closing on a mortgage
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product VA mortgage
Date Received 2021-11-30
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-11-30
Complaint What Happened I bought a house. In XXXX XXXX for my XXXX XXXX. I was living in XXXX at the time. Of purchasing my home. So I packed up my wife, dogs and furnishings and clothing.Left our home in XXXX on XX/XX/XXXX.Drove all the way down from XXXX XXXX XXXX XXXX XXXX To XXXX because I was told closing was on XX/XX/2021. I was told the home was ready to move into on the day of closing. XX/XX/2021. XXXX XXXX From FBC Mortgage LLC. Is who did my XXXX XXXX This house is not suitable for a veteran. I was told that There wouldn't be anything that needed to do any kind. Of repairs to the home. I was lied to. I am a XXXX XXXX XXXX veteran this house is not safe for me to live in. I can not secure my back doors. They are on backwards. I have to use ratchet straps to secure them. Because I can not lock them at all. Windows are cracked some of them are falling out. No chimney cap on the chimney. For the fireplaces. Broken duc work and exposed wires through out the house. Hardly any insulation in the attic. Dead tree branches that should have been removed. I told XXXX and the realtors. That all this stuff needs to be fixed before I close. I was informed that they were having it all fixed. They didn't have anything fixed. They had me pay for all these inspections that. XXXX said needed to be done. To be able to process my XXXX XXXX. She also had me pay for an appraisal that she said she needed for the loan. Then at closing I had to pay closing cost.For After the closing was done. I went to the house. Nothing was done none of. The repairs were done. I Feel XXXX took advantage of me seeing. I am a XXXX Veteran this house is not safe. I have asked her for appraisal she still has not sent it to me. I have asked her about getting all these things fixed. That should have been fixed. Before I moved in. I was never informed that. To get the power transferred into my name. Was going to cost me XXXX. Water was XXXX have it transferred into our names. I was not informed that house I bought was a squatters house. Finally yesterday I after a month. Of trying to get the inspection reports. My realtor was able to get copies and send them to me. He is still trying to get the appraisal. In the inspection reports it even. States that these repairs need to be done. That it shows that ppl are squatting stay in the house. Only door I can lock is the front door. 3 back doors I can't lock at all. There is no weather stripping around any of the doors. I can't sleep due to being afraid of someone coming into. House to harm me or my wife. All I want is for XXXX and whoever to make this right. Fix the doors and windows. So I can feel safe in my house. I feel that XXXX from FBC Mortgage rushed and pushed this loan through. That she took advantage of me and my realtor. I want everyone to be aware of what hapoen to me. By XXXX XXXX From FBC Mortgage LLC. Before She Doese This To Another XXXX Veteran. All I want is for Her To Have This Stuff Fixed and Made Right. So I can Feel Safe In My Home. As It is right now. My house is not safe. It is a house from XXXX. Thank you XXXX XXXX for taking Advantage Of A XXXX XXXX XXXX Veteran.
Consumer Consent Provided Consent provided
3207928 2019-04-10 Incorrect information on your report Mortgage
Issue Incorrect information on your report
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Issue Account status incorrect
Sub Product FHA mortgage
Date Received 2019-04-10
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-04-10
Complaint What Happened Hello, My husband and I refinanced on our mortgage with FBC on XX/XX/XXXX. We went from FHA loan to Conventional loan. Everything went well. We've had several mortgages with this lender. Our first payment was due on XX/XX/XXXX for {$1900.00}. We made our payment on XX/XX/XXXX. The end of XXXX we received an letter from FBC stating they sold or loan to XXXX XXXX- XXXX XXXX.I contacted XXXX XXXX the lender and was told that my paperwork and statement will be mailed to us within the next few business days. I called XXXX XXXX again the third week of XXXX and finally was able to get an account number to set up our account online to make a payment on XX/XX/XXXX we made our XXXX payment for {$1900.00} which was deducted from my account on XX/XX/XXXX. I've recently checked my credit report and saw that for the month of XX/XX/XXXX my husband and I were reported negatively that we were 30-90 days late with FBC Bank. This is inaccurate and we will like this matter to be rectified and immediately. We are doing another refinance and not only it's hindering our approval it's impacting our credit scores.
Consumer Consent Provided Consent provided
2854041 2018-03-26 Struggling to pay mortgage Mortgage
Tags Servicemember
Issue Struggling to pay mortgage
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product VA mortgage
Date Received 2018-03-26
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-03-26
Complaint What Happened We purchased our new home for {$240000.00} in XX/XX/XXXX in XXXX XXXX FL with my VA loan eligibility. The mortgage payment was {$1500.00} with a 4.125 % interest rate. In XX/XX/XXXX we were in a declared disaster zone due to Hurricane Irma. -- We were notified of an assistance program called forbearance. When I asked about it, I was offered the program without any paperwork and informed that I would not have to make my next three payments. We could have continued making our regular payments but this promised to make our recovery from Irma much smoother. -- I asked about what happens at the conclusion of the program and was given vague answers about a variety of options including extending the forbearance and " other '' assistance programs. I was under the impression that the payments would be added to the end of the loan. -- - In XX/XX/XXXX approx. 2 weeks before my expected XX/XX/XXXX payment, I was informed that I would be responsible for all three payments plus the XX/XX/XXXX payment or {$6000.00}. We had used the money as " relief '' funds for the expenses we incurred, even helping extended family who didn't have the option we did. I was told they would check what " programs ' they had available for us. I was less than pleased. -- - I paid {$1500.00} on XX/XX/XXXX but didn't make the missed payments. I waited to see what they would say. Some time near the middle of XX/XX/XXXX I was told I didn't qualify for a repayment plan, which I wasn't inclined to do because it added significantly to my monthly payment. My expectation had been that the payments would be added at the end and adding a burden now wasn't what I " signed up for ''. -- - I was told my loan was being considered for a modification, which I again understood as adding the missed payments to the end and rewriting the loan. I was given a figure of {$1300.00} as my payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was also told that after I made the three " trial '' payments my loan would become permanent at this amount. There was never any paperwork other than receipts for the payments. My monthly statement continued to show the past due amount. -- - I had already paid XX/XX/XXXX as mentioned. I paid {$1300.00} on XX/XX/XXXX, and XX/XX/XXXX. They didn't give me a date within the month and payments had to be made via phone as the web payment portal was suspended for my account. -- - On XX/XX/XXXX I received a letter from the U.S. Dept. of Veterans Affairs informing me that my loan was in danger of default. I immediately called and was told a dispute would be filed immediately and the problem would be fixed. I took the occasion to make my third " trial '' payment. -- - I inquired regarding the permanent solution where I was told my modification was accepted and my new payment would be {$1500.00} +/-. This wasn't what I had been told to expect so I pressed for more information. I learned that my interest rate is set to increase from 4.125 % to 4.5 %. Over the life of the loan this adds approx. {$21000.00} to my loan for a {$4500.00} " Assistance Program '' that I would have managed without had I known. -- - I was misled and drawn into a modification that would cost me significantly. I'm faced with either losing my lower rate, which I obtained by paying an additional {$2500.00} at closing, or borrowing enough funds to bring the loan current. If that's possible since they torpedoed my credit score by posting my missed payments as past due after assuring me at every step would not happen.
Consumer Consent Provided Consent provided
3117232 2019-01-05 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company FBC MORTGAGE, LLC
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2019-01-05
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-04-16
Complaint What Happened I am writing to inform you that FBC Mortgage LLC payment history is inaccurate information on my credit report. I am requesting that you deleted this account of my credit report.
Consumer Consent Provided Consent provided
2728844 2017-11-14 Improper use of your report Mortgage
Issue Improper use of your report
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Issue Reporting company used your report improperly
Sub Product Conventional home mortgage
Date Received 2017-11-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-11-14
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened On XX/XX/XXXX I went to a Preconstruction site seller ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) had their preferred lender on site. New home consultant, Lender ( FBC mortgage ) and myself began to Converse about purchasing my first home ( conventional loan ) I wanted to move forward I filled out a loan application, signed a contract and my credit was pulled I was advised by lender to get with his credit repair company he works closely with to get my credit up for a better interest rate down payment was made ( XX/XX/XXXX ) I never received an approval letter or a denial letter. Lender pulled my credit several times without notify me or communicating with me for five months. My credit is going down paid credit repair company emailed me in XX/XX/XXXX stating he needs 4 more months to work on my credit I canceled repair service. Notify the lender and builder of my cancellation once I did that home is complete in XX/XX/XXXX they schedule closing date XX/XX/XXXX I was not able to close due to my credit score builder ( 13 floors ) said I 'm in default and they are keeping my down payment ( {$19000.00} ) Builder 's attorney sent me a default letter with an extension for XX/XX/XXXX with penalties {$170.00} per day starting from XX/XX/XXXX up until XX/XX/XXXX. Because I did n't let them pull my credit on XX/XX/XXXX due to me getting a new Lender and attorney I received a letter stating my deposit will be disbursed to the seller directly and the property has been placed back on the market for sale.
Consumer Consent Provided Consent provided
3048673 2018-10-17 Struggling to pay mortgage Mortgage
Issue Struggling to pay mortgage
Timely No
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product VA mortgage
Date Received 2018-10-17
Submitted Via Referral
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-10-17
Consumer Consent Provided N/A
3046616 2018-10-15 Incorrect information on your report Mortgage
Issue Incorrect information on your report
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Issue Account status incorrect
Sub Product Conventional home mortgage
Date Received 2018-10-15
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-10-15
Complaint What Happened On XX/XX/2018 I was alerted through XXXX that a negative item was placed on my credit report and needed to be reviewed. Upon logging into the XXXX XXXX XXXX portal, I was alerted that FBC Mortgage has reported a account as 30 days past due. FBC sold my previous account to XXXX XXXX in XX/XX/2018. All payments prior to the sale of the loan were made on time or before schedule. I contacted FBC today and spoke to a customer services representative who informed me that yes, in fact FBC did report inaccurate information to the 603p bureaus. I asked for this to be corrected as it is the duty of the furnisher to ensure accurate information is reported to the bureaus. I do understand that FBC has 30 days to perform a re investigation as to the inaccurate reporting. However, I was told that I needed to provide complete copies of my personal credit report to FBC so they can do the re investigation. I should not have to provide proof to the lender if they reported the information inaccurately and they are the ones who have a contractual business relationship with that bureau ( s ). The customer service representative stated on a recorded line that in fact it was FBC 's mistake and was reported incorrectly. If I sent my complete credit report to them via fax or mail, once they received it, they would review my claim. My concern is that if I needed to apply with a lender and they saw a possible " 30 days past due '' on a real estate loan, that I would be considered high risk when in fact I am NOT and NEVER WAS past due on that loan.
Consumer Consent Provided Consent provided
4439654 2021-06-07 Applying for a mortgage or refinancing an existing mortgage Mortgage
Issue Applying for a mortgage or refinancing an existing mortgage
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product Conventional home mortgage
Date Received 2021-06-07
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-06-07
Consumer Consent Provided Other
2804241 2018-02-05 Trouble during payment process Mortgage
Issue Trouble during payment process
Timely Yes
Company FBC MORTGAGE, LLC
Product Mortgage
Sub Product FHA mortgage
Date Received 2018-02-05
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-02-05
Company Public Response Company believes the complaint is the result of a misunderstanding
Complaint What Happened Hello, On XX/XX/XXXX my family and I had to go on a forbearance period due to hurricane Irma with our mortgage loan with FBC Mortgage , LLC. At this time we were advised that we would not have to make any payments during this period and that we would be contacted by FBC at the end of the forbearance period to XXXX our financial situation and give us the options we had to get back on track. On XX/XX/XXXX since I had not received any letters or calls from the company, I contacted them to inquire about what we had to do to start making payments again, I spoke to a representative by the name XXXX XXXX who advised me that I was approved for a new lower payment and a new interest rate. Since I had not received any paperwork stating this new amount ( till this date I still have not received anything regarding this ) I was very happy to hear it would be a lower amount. In the conversation he stated that I would be receiving paperwork in 7-10 days that I had to sign and return. He asked if I had made the a payment for XX/XX/XXXX to which I said no because I didn't know when or what I had to pay. I stress the fact that I have not received any paperwork regarding this new arrangement, but I was willing to pay to which he said don't worry about the XX/XX/XXXX payment because your first payment would be due in XX/XX/XXXX as part of the mitigation process. I asked him if he was sure he stated that he was and that he regretted not speaking to me at an earlier time so I would have not been worried. I allocated those funds into other debts and waited for the paperwork to arrive by mail. On XX/XX/XXXX I contacted FBC again because I had not yet received anything by mail and spoke to XXXX XXXX who apologized and advised me that not every customer received paperwork to sign and return and that I must have been one of those customers but not to worry because I was all setup for my new payments and if I wanted to make my first payment for XX/XX/XXXX. I explained to him what I was told on XX/XX/XXXX and he spoke to his team lead which agreed to pull my call and review as if what I was saying was true they would have to adjust my account accordingly because it was not my fault. By Tuesday of the following week I had not received a call back and I called again to find out the status of my previous call and was told that everything was OK and was told again don't worry ma'am you are setup for your payment for XX/XX/XXXX. After this I called on XX/XX/XXXX to try to make my payment as their online service referred me to contact them by phone. On this call again I was confirmed i was making my XX/XX/XXXX payment and i scheduled it for XX/XX/XXXX. Now i keep getting calls and correspondence saying that I am late and that they are trying to collect a debt and I need to contact them. Since XX/XX/XXXX when I received one of these collection calls I have spent time trying to have them review all of my calls, and continue to get the run around and no answer by a supervisor or anybody that can fix my account according to what I was told time and time again since XX/XX/XXXX. Every time I inquire about the calls being reviewed the conversation is changed and they go back to saying I am late and need to make my XX/XX/XXXX payment. At this time I want to be back to being in good status with my account and continue making my payments as I was told. This has caused me so much XXXX and XXXX because this being our first home and due to a natural disaster feel we could be losing everything we have worked so hard to achieve. I do not want this to affect my credit or my history of good payment. Please help me.
Consumer Consent Provided Consent provided

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Date of last update: 01 Mar 2025

Sources: Florida Department of State

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