|
11634590
|
2025-01-18
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-18
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Complaint What Happened |
I am experiencing issues with my mortgage application due to incorrect information reported on my credit report. All of my loans, managed by A & D Mortgage, were submitted for deferment under identical conditions and have been deferred. However, all loans are being inaccurately flagged on my credit report as " disputed, '' which is not correct and is causing delays in my mortgage pre-approval process.
Below is a list of all my loans managed by A & D Mortgage, sorted by loan number, with confirmation that all loans are deferred : XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred My lender, XXXX XXXX, has informed me that the " disputed '' status issue applies to all loans, despite their deferred status. This incorrect flag is preventing the mortgage pre-approval process from moving forward, as his company requires this issue to be resolved upfront to avoid delays during final approval and closing.
I have contacted A & D Mortgage multiple times, requesting their assistance in ensuring that the accurate deferment status of all loans is reported to the credit bureaus and the " disputed '' flag is removed. Despite these efforts, the issue remains unresolved, and my credit report still inaccurately reflects this status, causing unnecessary complications.
I am requesting the CFPB 's assistance to ensure that the correct deferment status of all loans is accurately reported and that the erroneous " disputed '' flag is removed from my credit report. This correction is critical for me to proceed with my mortgage application without further delays. Thank you for your attention to this matter.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6669142
|
2023-03-09
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| 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 complaint is the result of an isolated error
|
| Complaint What Happened |
A & D Mortgage LLC has been reporting 2 of my investment property mortgages delinquent for about 6 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From 760+ to XXXX currently.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10365301
|
2024-10-06
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer.
XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX XXXX XXXX ) Account number # XXXX, ( XXXX XXXX XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing.
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report
|
| Consumer Consent Provided |
Consent provided
|
|
|
7608557
|
2023-09-26
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Mortgage
|
| Sub Issue |
Fees or costs after closing
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-09-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-26
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
On XXXX XXXX XXXX I bought an apartment in Florida with a loan, we deposited USD XXXX to start the business. This process lasted approx. 4 months, from XXXX to XXXX. At no point did they tell us the interest rate, they only told us that it was the rate that was current on the day of closing.
On the closing day ( XX/XX/ ) we consulted that the XXXX had the rate between 5.25 % and 5.50 %, but we were forced to sign the interest rate imposed by the bank A & D Mortgage LLC which was Annual Percentage Rate ( APR ) : 9.322 % and monthly Interest Rate 8.490 %, which does not correspond to the market rate on the day of closing, which we consider a hight rate for the credit acquired.
For this reason we require advice from you for the reduction of the current market interest rate, since the bank did not agree to correct it in sustained communication with them by telephone.
Thanks in advance for your help
|
| Consumer Consent Provided |
Consent provided
|
|
|
10279197
|
2024-09-30
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10593113
|
2024-10-28
|
Problem with a company's investigation into an existing problem
|
Mortgage
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Mortgage
|
| Sub Issue |
Problem with personal statement of dispute
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-10-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-28
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8295842
|
2024-02-06
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Mortgage
|
| Sub Issue |
Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-02-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-12
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Consumer Consent Provided |
Other
|
|
|
6323305
|
2022-12-16
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-12-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-27
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In early XX/XX/2022 I sought out a mortgage for a home in the XXXX, FL area in the {$600000.00} price range. I was referred to 1st financial incorporated by my realtor. The loan XXXX XXXX XXXX informed me I could qualify for a mortgage via their 12 month bank statement program. On XX/XX/2022 Received a pre approval which stated the loan could be withdrawn if any adverse information was discovered during the verification process. At this juncture I had already submitted the previous 12 months bank statements to XXXX XXXX in order to receive the pre- approval for {$620000.00} ( see attached ).
On XX/XX/XXXX I went under contract for the property located at XXXX XXXX XXXX XXXX XXXX XXXX for {$620000.00}. On XX/XX/XXXX, in good faith I paid for {$600.00} for an appraisal. Up until this point I hadn't received any closing disclosures. On XX/XX/XXXX I received an email from XXXX XXXX which requested I verify funds in my bank account of at least {$140000.00}. The loan program required a 15 % down payment ( {$93.00} ). I was unaware the closing cost would balloon to approximately {$50000.00}. I immediately informed XXXX that I do not have sufficient funds needed to qualify for this loan ( I have attached the email ), The same day XXXX XXXX was removed from being my loan XXXX and my loan processing was suspiciously taken over by the Branch Manager XXXX XXXX XXXX XXXX XXXX # XXXX. I received an email from her insisting I obtain the funds in order to close on the mortgage. ( see attached ) She also threatened my Escrow deposit of {$10000.00} would be at risk if I didn't move forward with the loan. This is the juncture when I assessed I may have become a victim of predatory lending. On XX/XX/XXXX XXXX XXXX notified me that the lender will not make an exception for my lack of funds and provided me with the lender conditions ( please see highlighted area in attachment XXXX investor approval ). Even after sending the lender conditions XXXX continued to insist I somehow obtain the funds to close on this loan. I requested XXXX provide me with a denial letter in order to facilitate the refund of my {$10000.00} escrow deposit from the seller. I again reiterated via email that I do not qualify for this loan and do not wish to obtain this loan. Furthermore I received four different loan disclosures with different dollar estimated needed to close. ( see attached ). XXXX again refused to provide a loan denial despite the clear acknowledgement that I do not have sufficient funds to qualify for the loan. In addition continuing to demand I proceed with a loan which I can not afford. I have sincerely tried to resolve this amicably with XXXX and 1st financial inc. to no avail. It is my belief that 1st financial inc is conducting predatory lending practices by approving individuals for loans and later on disclosing varying closing disclosures with high closing cost and fees which were never disclosed prior. The total funds of approx. {$120000.00} were disclosed on XX/XX/2022 on loan disclosure. I didn't attach this because my social security number is included on this document. It is also my assessment 1st Financial inc have violated the truth in lending act. I truly thank the CFPB for looking into this matter in order to protect customers from these unethical practices.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7623977
|
2023-10-02
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Mortgage
|
| Sub Issue |
Fees charged
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-10-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-02
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7336606
|
2023-08-01
|
Incorrect information on your report
|
Mortgage
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Mortgage
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2023-08-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-15
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6824697
|
2023-04-11
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
A & D Mortgage LLC has been reporting XXXX of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which A & D Mortage sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6248082
|
2022-11-26
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-11-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6995997
|
2023-05-18
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-18
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Complaint What Happened |
A & D Mortgage LLC has been reporting XXXX of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which A & D Mortage sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7399776
|
2023-08-14
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2023-08-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-14
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Consumer Consent Provided |
Other
|
|
|
5720195
|
2022-06-28
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
A&D Mortgage LLC
|
| 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 |
2022-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-28
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Consumer Consent Provided |
Consent not provided
|
|
