|
2814630
|
2018-02-14
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
First Direct Lending, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-02-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
almost 4-5 month ago i try to refinance my existence mortgage, When i was search refinance company, one of that company call me, For make in deal with me first they are ask me deposit {$220.00} .I told them i don't want to loos my deposit if some thing happen They told me not worry we give it back to you, And also send to me email, ,By the law said we give you your money back,, XX/XX/XXXX Without they are refuse my request without notice in letter or etc.
How i find it! i call them many time for find it what is go in on suddenly they told me refused my application, I ask why they told me my XXXX, bldg not flood insurance ( even in the began i was told them that ),, Of course i ask my deposit back, Non body answer phone i send many email, not answer.
Only he answer my email says non worry in the processing in other room, ,It was mid of XX/XX/XXXX i try many time again non body take care my calling or email, I send couple time email also to company president non return to me,, i send letter now they are answer with letter they are refuse to give my deposit..What i have to do,,, thanks Company name ; First Direct Lending LLC XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2226351
|
2016-11-28
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
Yes
|
| Company |
First Direct Lending, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2016-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-11-28
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
I was contacted by an agent, XXXX from First Direct Lending, in reference to a refinance. I was told that if i paid {$220.00} for the appraisal which would cost {$450.00} and if the loan did n't fund I would get back the money. I charged the {$220.00}. and sent in all documents requested and they stopped contacting me saying that my income was n't enough and I kept getting the runaround from them not returning phone calls, etc. Finally the sent me a document saying the loan was adverse and that I did n't qualify due to old delinquent credit history, and my income. I have contacted the agent and emailed him sent him a text regarding my appraislal fee refund and have not heard back from him.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2900923
|
2018-05-09
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
First Direct Lending, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-05-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-14
|
| Complaint What Happened |
The company ( First Direct Lending ) declined to close on my approved mortgage eventhough I have excellent credit and adequate income. They further declined to furnish a copy of my appraisal and refused to produce documentation as to why my loan that was previously approved, was declined or withdrawn
|
| Consumer Consent Provided |
Consent provided
|
|
|
2491110
|
2017-05-18
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
First Direct Lending, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-05-18
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-23
|
| Consumer Consent Provided |
N/A
|
|
|
2760027
|
2017-12-19
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
First Direct Lending, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
