RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] I am happy with the end result of removing me off the call list but it should be noted that I politely requested to be removed after the first call and the harassing phone calls with a hang up when I answeredI had to actually block the number so the calls would stop
From: [redacted] *** [redacted] Date: Tue, Nov 4, at 12:PM Subject: ID [redacted] To: [redacted] something to add to this complaint ID [redacted] On October 11th, 2014, Cross Country Mortgage ran a hard inquiry credit report against my name without my approval Unsure why, considering the Mortgage had closed on October 2nd, Thanks, [redacted] [redacted] [redacted] [redacted]
The complainant, Ms [redacted] was selling property in Florida CrossCountry Mortgage was working with the buyer to provide financing for the transaction The seller (complainant) is not CrossCountry Mortgage's customer The specifics on CrossCountry Mortgage's customer's loan are confidential and cannot be shared with third-partiesHowever, CrossCountry Mortgage did process the application timely and with the utmost concern for the purchase agreement's closing date
VIA E-MAIL ONLY November 21, Email: [redacted] Revdex.com, Inc Attention: [redacted] E-Mail: [redacted] RE: CROSSCOUNTRY MORTGAGE, INC.'S RESPONSE TO COMPLAINT NO [redacted] , Please let the following serve as CrossCountry Mortgage, Inc.'s ("CrossCountry") response to complaint no [redacted] The customer's complaint is focused on with the mortgage loan process and what products he did/did not qualify forCrossCountry reviews each loan file on its particular facts and circumstances and its underwriting decisions and product offerings are made on a variety of factors and guidelinesIf the customer requires additional or specific information on his file, he can contact the loan officer CrossCountry would like to resolve this matter however and is offering a refund of the appraisal fee of $ CrossCountry has attempted to contact the customer, but the customer has not returned its phone call If you require any additional information or have any questions, please contact me at 440- [redacted] or [redacted] /s/ [redacted] ***, EsqCorporate
I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Obviously CrossCountry Mrtg will not live up to their commitment to us as customers to refinance our loan in a simple, quick , hassle free, manner that they insisted would take place from the startAs this seems to be their way of conducting business wecan't continue to pursue constant delays only to be told more "documents " are neededWe ask that you request for the initial fee of our Appraisal to be refunded to us from CrossCountry They have wasted enough of our precious time Thank YouSincerely [redacted]
From: [redacted] Date: Wed, May 6, 2015 at 2:46 PMSubject: RE: CrossCountry Mortgage - Complaint No. [redacted] To: [redacted] ,In response to the inquiry, CrossCountry’s records indicate that no hard credit inquiry was done under the customer’s... name in December of 2014. The customer may be seeing a soft credit inquiry that was done to provide a firm offer of credit to the consumer. In any event, I would need the last four digits of the social security number to confirm that no application was opened. [redacted] ***Corporate Counsel [redacted] m CrossCountry Mortgage, Inc.6850 Miller RoadBrecksville, OH 44141www.myccmortgage.com
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [I, the client am rejecting your last response in which I argue about having a late fee refunded due to changing due dateThis DOES NOT COUNT TOWARDS MY ONE A YEAR COURTESY REVERSAL! I SHOULD BE AND AM ENTITLED TO ASSISTANCE! Account is up to date and I CANNOT AFFORD THE LATE FEES! These should be refunded as a courtesy due to you ensuring you are here for any financial hardships in which you are falsely advertising! All options you supposedly offer a client like myself doesn't qualify for? Not one!? Hard to believe! I'm ready to take this to court!.] Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
From: [redacted] Date: Wed, Apr 22, at 9:AMSubject: Supplemental information to CrossCountry's Response to Complaint No [redacted] To: [redacted] ,The Revdex.com requested additional information from CrossCountry Mortgage to supplement its response to compliant [redacted] Specifically, you requested information regarding the conflicting statements on whether or not the consumer stated she was renting Attached is a letter from the consumer and a signed application both confirm that CrossCountry Mortgage was advised that the consumer was renting See highlighted sections of the attached.I'd also like to reiterate that the loan consumer's loan was ultimately denied because of the consumer's payment history to her current lender The initial response and the documents attached to it show that the consumer was proceeding on the mistaken belief that she had been current with her current lender for the preceding months.If you need any additional information, please let me know[redacted] Esq.Corporate Counsel
[redacted] From: [redacted] >Date: Mon, Aug 21, at 9:AMSubject: Jasmine *** Revdex.com ComplaintTo: Lou [redacted] >Good Morning Lou, We have reviewed Ms***’s complaintAfter going over her file, CrossCountry will be sending Ms [redacted] a revised Closing Disclosure with a corrected property taxes calculation at $566.19, instead of $In our system, the proper formula was used to determine the property taxesThe formula used was 2.535164% x $268,(value $335,x 20% HMS exemption) = $Ms [redacted] stated in her complaint that CrossCountry used the wrong appraisal valueAs the formula shows, the correct value was usedMs [redacted] is right that a shortage occurred; however, it is only by $on CrossCountry’s partAccording to the title company, both the buyer and Ms [redacted] signed a waiver that stated whatever was owed on the property taxes for the year (since property taxes in the area are paid in arrears) would be worked out between her and the buyerMs [redacted] already contacted [redacted] to correct the value in which the taxes are based offThe correction was made by switching the previously listed price to the actual sales priceMs [redacted] will have to contact [redacted] *** in order to correct any shortage issues which are the result of the wrongly listed price or the agreement between Ms [redacted] and the seller Thank You, Anthony R [redacted] Associate Corporate CounselCrosscountry Mortgage Inc[redacted] ***Direct [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.I am the one who received the letter and contacted the cross country mortgage I am the one who has provided al the documents Brian has never spoken to anyone at cross country mortgage And the problem in a nutshell is that I was supposed to be on the loan as well....but cross country didn't follow directions Regards, [redacted]
CrossCountry Mortgage contacted the customer after the original Revdex.com complaint to discuss finishing the refinance In order to complete the refinance however, the customer must provide CrossCountry Mortgage with the requested information It appears based on the customer response to CrossCountry Mortgage and their reply through the Revdex.com, that the information will not be provided If the customer would like to complete the refinance, they will need to cooperate with CrossCountry Mortgage's request Alternatively, CrossCountry Mortgage has offered to refund the customer's appraisal fee.CrossCountry Mortgage understands that the volume of information requested in conjunction with a loan application may seem excessive, but it is necessary to comply with applicable lending guidelines
I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Again, I had no problem providing the information (in fact it is in my files now as I had no issue obtaining copies from the appropriate Clerk of Court's office, something your team member seemed incapable of doing!) Any information that was requested was provided promptly I didn't send this information as well due to the fact that it became impossible to reach anyone as I stated before! Now, as to the statement that there were other issues with my credit file, my credit information was known the first time that my credit report was pulled almost a year ago At that time I was pre-approved and proceeded to Underwriting I did not hear that there was an issue with my credit report until after I spoke with DeWayne S [redacted] in July (and this after my credit score had gone up from what it had been when I was first prequalified), so I reject that excuse absolutely!! I refuse to believe that CrossCountry Mortgage sends an applicant to Underwriting when the applicant does not meet the minimum credit score requirements What mortgage company would do so? The lawsuits would be staggering if a company wasted a consumers time and money so!I will state again, I would be happy to provide the information that I obtained from the [redacted] Clerk of Court and move forward with the loan if CrossCountry can guarantee that I close within two weeks of resuming proceedings and with the original interest rate of 3.87% If not, I would like to be refunded the following: $to obtain a Motion to Incur Secured Debt from the Bankruptcy Court, $for a Home Appraisal, $Document Retrieval from the [redacted] Clerk of Court's Office (Total $921.33) because if, as they have stated, there were issues with my credit file, then we should have parted ways at that point and I would not now be out this amount Also, I would like the two credit inquiries removed from my Credit Report as I was told that my credit would only be run again when we were guaranteed to close Regards, [redacted] ***
RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] I am happy with the end result of removing me off the call list but it should be noted that I politely requested to be removed after the first call and the harassing phone calls with a hang up when I answeredI had to actually block the number so the calls would stop
From: [redacted] *** [redacted] Date: Tue, Nov 4, at 12:PM Subject: ID [redacted] To: [redacted] something to add to this complaint ID [redacted] On October 11th, 2014, Cross Country Mortgage ran a hard inquiry credit report against my name without my approval Unsure why, considering the Mortgage had closed on October 2nd, Thanks, [redacted] [redacted] [redacted] [redacted]
The complainant, Ms [redacted] was selling property in Florida CrossCountry Mortgage was working with the buyer to provide financing for the transaction The seller (complainant) is not CrossCountry Mortgage's customer The specifics on CrossCountry Mortgage's customer's loan are confidential and cannot be shared with third-partiesHowever, CrossCountry Mortgage did process the application timely and with the utmost concern for the purchase agreement's closing date
VIA E-MAIL ONLY November 21, Email: [redacted] Revdex.com, Inc Attention: [redacted] E-Mail: [redacted] RE: CROSSCOUNTRY MORTGAGE, INC.'S RESPONSE TO COMPLAINT NO [redacted] , Please let the following serve as CrossCountry Mortgage, Inc.'s ("CrossCountry") response to complaint no [redacted] The customer's complaint is focused on with the mortgage loan process and what products he did/did not qualify forCrossCountry reviews each loan file on its particular facts and circumstances and its underwriting decisions and product offerings are made on a variety of factors and guidelinesIf the customer requires additional or specific information on his file, he can contact the loan officer CrossCountry would like to resolve this matter however and is offering a refund of the appraisal fee of $ CrossCountry has attempted to contact the customer, but the customer has not returned its phone call If you require any additional information or have any questions, please contact me at 440- [redacted] or [redacted] /s/ [redacted] ***, EsqCorporate
I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Obviously CrossCountry Mrtg will not live up to their commitment to us as customers to refinance our loan in a simple, quick , hassle free, manner that they insisted would take place from the startAs this seems to be their way of conducting business wecan't continue to pursue constant delays only to be told more "documents " are neededWe ask that you request for the initial fee of our Appraisal to be refunded to us from CrossCountry They have wasted enough of our precious time Thank YouSincerely [redacted]
From: [redacted] Date: Wed, May 6, 2015 at 2:46 PMSubject: RE: CrossCountry Mortgage - Complaint No. [redacted] To: [redacted] ,In response to the inquiry, CrossCountry’s records indicate that no hard credit inquiry was done under the customer’s... name in December of 2014. The customer may be seeing a soft credit inquiry that was done to provide a firm offer of credit to the consumer. In any event, I would need the last four digits of the social security number to confirm that no application was opened. [redacted] ***Corporate Counsel [redacted] m CrossCountry Mortgage, Inc.6850 Miller RoadBrecksville, OH 44141www.myccmortgage.com
Hello, I just wanted you to know we are working on the response and will have it to you by Wednesday at the latest.Thank you,Chuck D***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [I, the client am rejecting your last response in which I argue about having a late fee refunded due to changing due dateThis DOES NOT COUNT TOWARDS MY ONE A YEAR COURTESY REVERSAL! I SHOULD BE AND AM ENTITLED TO ASSISTANCE! Account is up to date and I CANNOT AFFORD THE LATE FEES! These should be refunded as a courtesy due to you ensuring you are here for any financial hardships in which you are falsely advertising! All options you supposedly offer a client like myself doesn't qualify for? Not one!? Hard to believe! I'm ready to take this to court!.] Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
From: [redacted] Date: Wed, Apr 22, at 9:AMSubject: Supplemental information to CrossCountry's Response to Complaint No [redacted] To: [redacted] ,The Revdex.com requested additional information from CrossCountry Mortgage to supplement its response to compliant [redacted] Specifically, you requested information regarding the conflicting statements on whether or not the consumer stated she was renting Attached is a letter from the consumer and a signed application both confirm that CrossCountry Mortgage was advised that the consumer was renting See highlighted sections of the attached.I'd also like to reiterate that the loan consumer's loan was ultimately denied because of the consumer's payment history to her current lender The initial response and the documents attached to it show that the consumer was proceeding on the mistaken belief that she had been current with her current lender for the preceding months.If you need any additional information, please let me know[redacted] Esq.Corporate Counsel
Please see the attached response.
[redacted] From: [redacted] >Date: Mon, Aug 21, at 9:AMSubject: Jasmine *** Revdex.com ComplaintTo: Lou [redacted] >Good Morning Lou, We have reviewed Ms***’s complaintAfter going over her file, CrossCountry will be sending Ms [redacted] a revised Closing Disclosure with a corrected property taxes calculation at $566.19, instead of $In our system, the proper formula was used to determine the property taxesThe formula used was 2.535164% x $268,(value $335,x 20% HMS exemption) = $Ms [redacted] stated in her complaint that CrossCountry used the wrong appraisal valueAs the formula shows, the correct value was usedMs [redacted] is right that a shortage occurred; however, it is only by $on CrossCountry’s partAccording to the title company, both the buyer and Ms [redacted] signed a waiver that stated whatever was owed on the property taxes for the year (since property taxes in the area are paid in arrears) would be worked out between her and the buyerMs [redacted] already contacted [redacted] to correct the value in which the taxes are based offThe correction was made by switching the previously listed price to the actual sales priceMs [redacted] will have to contact [redacted] *** in order to correct any shortage issues which are the result of the wrongly listed price or the agreement between Ms [redacted] and the seller Thank You, Anthony R [redacted] Associate Corporate CounselCrosscountry Mortgage Inc[redacted] ***Direct [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.I am the one who received the letter and contacted the cross country mortgage I am the one who has provided al the documents Brian has never spoken to anyone at cross country mortgage And the problem in a nutshell is that I was supposed to be on the loan as well....but cross country didn't follow directions Regards, [redacted]
CrossCountry Mortgage contacted the customer after the original Revdex.com complaint to discuss finishing the refinance In order to complete the refinance however, the customer must provide CrossCountry Mortgage with the requested information It appears based on the customer response to CrossCountry Mortgage and their reply through the Revdex.com, that the information will not be provided If the customer would like to complete the refinance, they will need to cooperate with CrossCountry Mortgage's request Alternatively, CrossCountry Mortgage has offered to refund the customer's appraisal fee.CrossCountry Mortgage understands that the volume of information requested in conjunction with a loan application may seem excessive, but it is necessary to comply with applicable lending guidelines
I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Again, I had no problem providing the information (in fact it is in my files now as I had no issue obtaining copies from the appropriate Clerk of Court's office, something your team member seemed incapable of doing!) Any information that was requested was provided promptly I didn't send this information as well due to the fact that it became impossible to reach anyone as I stated before! Now, as to the statement that there were other issues with my credit file, my credit information was known the first time that my credit report was pulled almost a year ago At that time I was pre-approved and proceeded to Underwriting I did not hear that there was an issue with my credit report until after I spoke with DeWayne S [redacted] in July (and this after my credit score had gone up from what it had been when I was first prequalified), so I reject that excuse absolutely!! I refuse to believe that CrossCountry Mortgage sends an applicant to Underwriting when the applicant does not meet the minimum credit score requirements What mortgage company would do so? The lawsuits would be staggering if a company wasted a consumers time and money so!I will state again, I would be happy to provide the information that I obtained from the [redacted] Clerk of Court and move forward with the loan if CrossCountry can guarantee that I close within two weeks of resuming proceedings and with the original interest rate of 3.87% If not, I would like to be refunded the following: $to obtain a Motion to Incur Secured Debt from the Bankruptcy Court, $for a Home Appraisal, $Document Retrieval from the [redacted] Clerk of Court's Office (Total $921.33) because if, as they have stated, there were issues with my credit file, then we should have parted ways at that point and I would not now be out this amount Also, I would like the two credit inquiries removed from my Credit Report as I was told that my credit would only be run again when we were guaranteed to close Regards, [redacted] ***