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 start. As this seems to be their way of conducting business wecan't continue to pursue constant delays only to be told more "documents " are needed. We 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]
CrossCountry Mortgage's loan officer made great efforts to inform the customer here various, specific loan scenarios to allow her to decide on the best option for her. She was informed that many times when determining a down payment, a viable strategy is looking at the difference in monthly...
payments versus and the amount of time it may take to re-accumulate the assets used for the higher down payment. Ultimately, the customer was sent a preliminary loan package with a 30 year conventional mortgage with a 20% down payment with the understanding that CrossCountry Mortgage could adjust the down payment up or down from there after the customer made a final decision.As for the documentation requested, CrossCountry Mortgage requires certain documentation to originate any mortgage loan and the customer here was not asked for any information or documentation that other borrowers/customers are not routinely asked for. Additionally, the loan officer researched all his correspondence with the client and his communication with the client always took place via a myccmortgage.com account vs. a g-mail account. Finally, CrossCountry Mortgage acted as any prudent mortgage lender would in gathering the necessary documents to originate a mortgage and did its best to work with the customer on the best loan options available to her. At no time was the customer's information compromised, sold to or provided to a third party (nor will it in the future).
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.
All of the responses by Cross Country Mortgage are false!It did take a very long time to get the title issue resolved. Much longer than it should have and according to the attorney it was because Cross Country Mortgage would not send them the information requested when requested. Their statement that we did not want to proceed with the loan because our prospective tenant decided not to rent it is FALSE! The day of the second closing and NUMEROUS difficulties with Cross Country Mortgage, when our closing was supposed to be at 11 am and they call us at 8:30 and state that more information is needed ( that we had already given) That is when we told them that enough was enough, to forget it! A person can only say okay, one more week, only so much.We did pay Cross Country Mortgage to hold our interest rate!The $500 escrow deposit was NOT returned to us by the seller! How dare they say that "they believe it was" How would they presume to "believe" that?" For Cross Country to say that all of their calls were returned and were timely! That is a joke! For Cross Country to say that the only reason documents were repeatedly asked for is to be updated. This is not true! Documents were repeatedly asked for because the company is incompetent!By the way, the person that was going to sell us this property had stated that they were going to write the Revdex.com on Cross Country Mortgage also because of their incompetence! See attached file
Regards,
[redacted]
[redacted]From: [redacted]>Date: Mon, Aug 21, 2017 at 9:38 AMSubject: Jasmine [redacted] Revdex.com ComplaintTo: Lou [redacted]>Good Morning Lou, We have reviewed Ms. [redacted]’s complaint. After...
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 $556.19. In our system, the proper formula was used to determine the property taxes. The formula used was 2.535164% x $268,000 (value $335,000 x 20% HMS exemption) = $566.19. Ms. [redacted] stated in her complaint that CrossCountry used the wrong appraisal value. As the formula shows, the correct value was used. Ms. [redacted] is right that a shortage occurred; however, it is only by $120 on CrossCountry’s part. According 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 buyer. Ms. [redacted] already contacted [redacted] to correct the value in which the taxes are based off. The correction was made by switching the previously listed price to the actual sales price. Ms. [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]
[redacted] [redacted]Direct [redacted]
[redacted] [redacted]From: Anthony [redacted]>Date: Wed, Aug 2, 2017 at 3:25 PMSubject: Jason [redacted] ComplaintTo: "[redacted]>Goof Afternoon, We have reviewed Mr. [redacted]’s complaint. Mr....
[redacted]’s mortgage concerns regarding his monthly payments are resolved as we have received the payment coupons and his cancelled checks work as confirmation that payment has been received. The issue regarding a change in address cannot be resolved by CrossCountry Mortgage as we are no longer the servicer of the loan. It was made clear to his agent and on the phone that address changes could not be done once the mortgage moved into servicing and was in the process of being transferred to a new servicer. On July 20, Mr. [redacted] was sent a correspondence detailing the notice of transfer and all of the new servicer’s information. Mr. [redacted]’s loan is now serviced by [redacted]. We have included the goodbye letter so that it may be forwarded to Mr. [redacted]. Any concerns about address changes must be directed towards [redacted]. Thank You, Anthony R. [redacted], Esq.Associate Corporate CounselCrosscountry Mortgage Inc.6850 Miller RoadBrecksville, Ohio 44141Direct [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, the...
client am rejecting your last response in which I argue about having a late fee refunded due to changing due date. This 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]
I am kindly asking you to find resolution with Crosscountry Mortgage in the manner of an explanation of the incident and an apology for the manner in which they handled the situation. Collected information, approved [redacted] for $90,000 via written letter after all requested information was...
submitted. [redacted] asked for additional funds, and was told by [redacted] she needed a co-signer. I being the mother spoke with [redacted] and gave all my personal information, where he ran a credit check and sent [redacted] a text stating with myself being a co-signer she was indeed approved for more. The following day [redacted] sent [redacted] another text stating there was no way to be able to help her in any manner. I phoned [redacted], where as he stated he didn't receive her tax information until the day before, [redacted] did submit her tax information again (for the 3rd time) but this was long after the original approval. I questioned why take all my personal information, run my credit (which in fact is excellent) and then text denial. I questioned the professionalism as to then [redacted] lied to me about not receiving the proper information and that he can't make the bank just give her money. The bottom line issue is that [redacted] was approved, took my information and then a text of total withdraw.
As offered by CrossCountry and accepted in the customer's response, CrossCountry has sent a check to the customer as reimbursement of the customer's appraisal fee.
Bureau:
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 answered. I had to actually block the number so the calls would stop.
[redacted]
[redacted]From: Anthony [redacted]>Date: Wed, Aug 16, 2017 at 3:59 PMSubject: RE: Jason [redacted] ComplaintTo: [redacted]>Good Afternoon Lou, I am able to confirm that we have not received the check. It would be best for Mr. [redacted] to make arrangements with [redacted] to resolve the matter further. Anthony R. [redacted]Associate Corporate CounselCrosscountry Mortgage Inc.6850 Miller RoadBrecksville, Ohio 44141Direct [redacted]
[redacted]
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 have looked over all of the paperwork in regards to everything that Crosscountry has said. In fact the "loan" that they are saying was the problem was for me co-signing for my brother and that happened 24 hours BEFORE I was ever prequlified for the loan. I have all of the paper work in my hands. I also have in my hands every email that was sent to me by CrossCountry Mortgage. Never once was it said that there was a problem with the loan were I was the co-signer but in fact another loan to which my mother was added to the mortgage to make up the difference, again I have all of that paper work as well. I also have the documents were it shows that I e-signed 2 months and 4 days AFTER that "loan" was taken out. At no time during the 4 months that I was talking to anyone did they mention the loan that I co-signed on, only the one that involved myself alone. Regards,
[redacted]
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.
If you see what I mean, I'm STILL waiting for a RESPONSE from this company. I have been waiting for over 3 months and want a resolution. I do not accept this respone
Regards,
[redacted]
(The following was copy/paste by Revdex.com staff -** *)[redacted]From: Anthony [redacted]Date: Fri, Aug 11, 2017 at 3:08 PMSubject: Thomas [redacted] Revdex.com Complaint.To: "[redacted]Good Morning Lou, We have reviewed Mr. [redacted]’s complaint. Mr....
[redacted] was given an explanation regarding his escrow account funds. Mr. [redacted]’s escrow funds were never wired directly to CrossCountry. The funds were applied towards Mr. [redacted]’s payoff in order to bring down the principal amount. CrossCountry explained to Mr. [redacted] that had [redacted] not applied the payoff funds CrossCountry would have been unable to get the loan closed at the payments and rates Mr. [redacted] wanted. On May 10, CrossCountry had sent a Payoff Guaranty, in which the escrow funds were to be applied towards the principal. Further, CrossCountry Mortgage never communicated to Mr. [redacted] that he would be receiving the escrow funds directly. In the beginning, all potential customers are told that escrow accounts can be refunded or applied towards principals or the new escrow accounts. Even Mr. [redacted]’s payoff statement from [redacted] states that the escrow funds can be applied toward the principal if the mortgagor authorizes the transfer. As stated above, if [redacted] had not applied the escrow funds towards the principal, the entire loan would have required restructuring and would not have closed as Mr. [redacted] wanted. More importantly, [redacted] would not have applied the funds without authorization from Mr. [redacted] to do so. CrossCountry even told Mr. [redacted] that a simple phone call to [redacted] would suffice for authorization. It is unfortunate the customer and CrossCountry experienced miscommunication; however, CrossCountry hopes this response clarifies the issue for Mr. [redacted]. Thank You, Anthony R. [redacted]Associate Corporate CounselCrosscountry Mortgage Inc.6850 Miller RoadBrecksville, Ohio 44141Direct 440-671-6581 Ext: 1008anthony.[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.] This matter was handled very unprofessionally and I feel very carelessly. I have not gotten any correspondence from CrossCountry regarding the change of the servicing agent. I did find out on Wednesday that my loan had been moved to [redacted]. The way I found this out is because I got a random "privacy disclosure" from [redacted] and called them wondering why I had received a privacy notice from a place that I knew nothing about and didn't have an account with. That is when I was informed that my loan had been transferred and was now in their hands. So, in the middle of all of this, I mailed a check on Monday (07/31) made payable to CrossCountry Mortgage in the amount of $1200 because after receiving the letter from CrossCountry informing me that I had an August payment that was due on 08/01, I was afraid that they would mark my account as "past due". I called CrossCountry this morning (08/04) to inform them of the check and was told that they hadn't received the check, but if they did in the future, they would forward it on to [redacted]. So I do not want to close this complaint out until the check it located, forwarded to [redacted], and credited to my account there. After dealing with all of this, I have lost all faith in CrossCountry so I want to make sure that this missing check is located and delivered properly to [redacted]. Once this has been completed I will be okay with closing out this complaint and putting all of this behind me.
Regards,
Jason [redacted]
From: [redacted] Sent: Friday, May 08, 2015 6:01 PMTo: [redacted]Subject: Response from Better Bus Bureau [redacted], Thank you for your explanation through Revdex.com. I am the consumer filing the complaint. Even if the inquiry was "soft" I did not authorize it sp it should have never occurred. I ask that you call the credit bureaus to have it removed. The last four of my social is [redacted]. Please call me to discuss.[redacted]Thank you.[redacted]
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.NOTE ** When we were contacted by John F[redacted] of CrossCountry Mrtg. he insisted that because we had been a previous customer that the "RE-Financing" would be quick & should have no problems at all because all we had to do was up-date our financials & credit report & a appraisal of our home. Instead it turned out to be a LONG DRAWN OUT situation of CrossCountry dragging their feet ( of course all the while waiting while the FED was determining whether to raise interest rates ) CrossCountry kept asking for more documentation that we already sent to John F[redacted] of CrossCountry. John F[redacted] kept asking for us to send documentation that was previously sent ( delay or inept way of doing his job ) . We told John F[redacted] we did not want to pay off a line of credit & signed a document saying so but he put together the loan with the line of credit in the document anyway...delaying the closing. Then John F[redacted] said we needed to sign a paper saying we did not want to pay off the line of credit which we already had signed. It was evident that John F[redacted] was not reading our e-mail to him because we were very clear in them that we did NOT want that extra money in our loan. This delayed the process again & the underwriters needed just one more document. The underwriters always needed one more document. John F[redacted] also said I needed to have $23,000.00 a month set up from my 401k deposited to my checking account UNTIL all funds were depleted of which I started this . We were informed that the underwriters needed more documentation...really ? Now that I have filed a complaint with the Revdex.com John F[redacted] / CrossCountry says they just need a new home appraisal & A FEW MORE DOCUMENTS .... ? Or they can us our money back for the first appraisal ? What about all that money I removed from my 401K & had to pay taxes on ? I did this to get the refinancing & still they need more documentation ? John F[redacted] said we were approved for the loan & here we are Nov 9th & having to deal with this ineptness ? Something is wrong big time to be treated like this ! We have great financials, great credit ratings, money in the bank, & we are getting the biggest run around for a simple REFINANCING ? Its simple we ...we qualify ... we did what was asked of us... supplied an unusual amount of documentation .... Just complete your job & process our refinancing loan CrossCountry !
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.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]
Customer admits that the information was not provided. CrossCountry Mortgage could not process the application without the requested information. Additionally, the customer's application had other credit issues. CrossCountry Mortgage can provide the customer another copy of the letter setting forth the details of the credit issues.
---------- Forwarded message ----------From: Alex R[redacted] <AR[redacted]@myccmortgage.com>Date: Fri, Jun 24, 2016 at 4:35 PMSubject: CrossCountry Mortgage - Additional Information for complaint #11484364.To: [redacted] <[redacted]@cleveland.Revdex.com.org>[redacted] – I was trying to update your system on the subject complaint, but it was not an option at this time. I’d like to notify the Revdex.com that the loan was successfully closed since our last correspondence. Thank you. Alex J. R[redacted], Esq.Chief Legal CounselD [redacted]@myccmortgage.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.
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 start. As this seems to be their way of conducting business wecan't continue to pursue constant delays only to be told more "documents " are needed. We 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]
CrossCountry Mortgage's loan officer made great efforts to inform the customer here various, specific loan scenarios to allow her to decide on the best option for her. She was informed that many times when determining a down payment, a viable strategy is looking at the difference in monthly...
payments versus and the amount of time it may take to re-accumulate the assets used for the higher down payment. Ultimately, the customer was sent a preliminary loan package with a 30 year conventional mortgage with a 20% down payment with the understanding that CrossCountry Mortgage could adjust the down payment up or down from there after the customer made a final decision.As for the documentation requested, CrossCountry Mortgage requires certain documentation to originate any mortgage loan and the customer here was not asked for any information or documentation that other borrowers/customers are not routinely asked for. Additionally, the loan officer researched all his correspondence with the client and his communication with the client always took place via a myccmortgage.com account vs. a g-mail account. Finally, CrossCountry Mortgage acted as any prudent mortgage lender would in gathering the necessary documents to originate a mortgage and did its best to work with the customer on the best loan options available to her. At no time was the customer's information compromised, sold to or provided to a third party (nor will it in the future).
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.
All of the responses by Cross Country Mortgage are false!It did take a very long time to get the title issue resolved. Much longer than it should have and according to the attorney it was because Cross Country Mortgage would not send them the information requested when requested. Their statement that we did not want to proceed with the loan because our prospective tenant decided not to rent it is FALSE! The day of the second closing and NUMEROUS difficulties with Cross Country Mortgage, when our closing was supposed to be at 11 am and they call us at 8:30 and state that more information is needed ( that we had already given) That is when we told them that enough was enough, to forget it! A person can only say okay, one more week, only so much.We did pay Cross Country Mortgage to hold our interest rate!The $500 escrow deposit was NOT returned to us by the seller! How dare they say that "they believe it was" How would they presume to "believe" that?" For Cross Country to say that all of their calls were returned and were timely! That is a joke! For Cross Country to say that the only reason documents were repeatedly asked for is to be updated. This is not true! Documents were repeatedly asked for because the company is incompetent!By the way, the person that was going to sell us this property had stated that they were going to write the Revdex.com on Cross Country Mortgage also because of their incompetence! See attached file
Regards,
[redacted]
[redacted]From: [redacted]>Date: Mon, Aug 21, 2017 at 9:38 AMSubject: Jasmine [redacted] Revdex.com ComplaintTo: Lou [redacted]>Good Morning Lou, We have reviewed Ms. [redacted]’s complaint. After...
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 $556.19. In our system, the proper formula was used to determine the property taxes. The formula used was 2.535164% x $268,000 (value $335,000 x 20% HMS exemption) = $566.19. Ms. [redacted] stated in her complaint that CrossCountry used the wrong appraisal value. As the formula shows, the correct value was used. Ms. [redacted] is right that a shortage occurred; however, it is only by $120 on CrossCountry’s part. According 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 buyer. Ms. [redacted] already contacted [redacted] to correct the value in which the taxes are based off. The correction was made by switching the previously listed price to the actual sales price. Ms. [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]
[redacted] [redacted]Direct [redacted]
[redacted] [redacted]From: Anthony [redacted]>Date: Wed, Aug 2, 2017 at 3:25 PMSubject: Jason [redacted] ComplaintTo: "[redacted]>Goof Afternoon, We have reviewed Mr. [redacted]’s complaint. Mr....
[redacted]’s mortgage concerns regarding his monthly payments are resolved as we have received the payment coupons and his cancelled checks work as confirmation that payment has been received. The issue regarding a change in address cannot be resolved by CrossCountry Mortgage as we are no longer the servicer of the loan. It was made clear to his agent and on the phone that address changes could not be done once the mortgage moved into servicing and was in the process of being transferred to a new servicer. On July 20, Mr. [redacted] was sent a correspondence detailing the notice of transfer and all of the new servicer’s information. Mr. [redacted]’s loan is now serviced by [redacted]. We have included the goodbye letter so that it may be forwarded to Mr. [redacted]. Any concerns about address changes must be directed towards [redacted]. Thank You, Anthony R. [redacted], Esq.Associate Corporate CounselCrosscountry Mortgage Inc.6850 Miller RoadBrecksville, Ohio 44141Direct [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, the...
client am rejecting your last response in which I argue about having a late fee refunded due to changing due date. This 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]
I am kindly asking you to find resolution with Crosscountry Mortgage in the manner of an explanation of the incident and an apology for the manner in which they handled the situation. Collected information, approved [redacted] for $90,000 via written letter after all requested information was...
submitted. [redacted] asked for additional funds, and was told by [redacted] she needed a co-signer. I being the mother spoke with [redacted] and gave all my personal information, where he ran a credit check and sent [redacted] a text stating with myself being a co-signer she was indeed approved for more. The following day [redacted] sent [redacted] another text stating there was no way to be able to help her in any manner. I phoned [redacted], where as he stated he didn't receive her tax information until the day before, [redacted] did submit her tax information again (for the 3rd time) but this was long after the original approval. I questioned why take all my personal information, run my credit (which in fact is excellent) and then text denial. I questioned the professionalism as to then [redacted] lied to me about not receiving the proper information and that he can't make the bank just give her money. The bottom line issue is that [redacted] was approved, took my information and then a text of total withdraw.
As offered by CrossCountry and accepted in the customer's response, CrossCountry has sent a check to the customer as reimbursement of the customer's appraisal fee.
CrossCountry Mortgage has removed you from our mailing list.
Better Business...
Bureau:
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 answered. I had to actually block the number so the calls would stop.
[redacted]
[redacted]From: Anthony [redacted]>Date: Wed, Aug 16, 2017 at 3:59 PMSubject: RE: Jason [redacted] ComplaintTo: [redacted]>Good Afternoon Lou, I am able to confirm that we have not received the check. It would be best for Mr. [redacted] to make arrangements with [redacted] to resolve the matter further. Anthony R. [redacted]Associate Corporate CounselCrosscountry Mortgage Inc.6850 Miller RoadBrecksville, Ohio 44141Direct [redacted]
[redacted]
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 have looked over all of the paperwork in regards to everything that Crosscountry has said. In fact the "loan" that they are saying was the problem was for me co-signing for my brother and that happened 24 hours BEFORE I was ever prequlified for the loan. I have all of the paper work in my hands. I also have in my hands every email that was sent to me by CrossCountry Mortgage. Never once was it said that there was a problem with the loan were I was the co-signer but in fact another loan to which my mother was added to the mortgage to make up the difference, again I have all of that paper work as well. I also have the documents were it shows that I e-signed 2 months and 4 days AFTER that "loan" was taken out. At no time during the 4 months that I was talking to anyone did they mention the loan that I co-signed on, only the one that involved myself alone. Regards,
[redacted]
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.
If you see what I mean, I'm STILL waiting for a RESPONSE from this company. I have been waiting for over 3 months and want a resolution. I do not accept this respone
Regards,
[redacted]
(The following was copy/paste by Revdex.com staff -** *)[redacted]From: Anthony [redacted]Date: Fri, Aug 11, 2017 at 3:08 PMSubject: Thomas [redacted] Revdex.com Complaint.To: "[redacted]Good Morning Lou, We have reviewed Mr. [redacted]’s complaint. Mr....
[redacted] was given an explanation regarding his escrow account funds. Mr. [redacted]’s escrow funds were never wired directly to CrossCountry. The funds were applied towards Mr. [redacted]’s payoff in order to bring down the principal amount. CrossCountry explained to Mr. [redacted] that had [redacted] not applied the payoff funds CrossCountry would have been unable to get the loan closed at the payments and rates Mr. [redacted] wanted. On May 10, CrossCountry had sent a Payoff Guaranty, in which the escrow funds were to be applied towards the principal. Further, CrossCountry Mortgage never communicated to Mr. [redacted] that he would be receiving the escrow funds directly. In the beginning, all potential customers are told that escrow accounts can be refunded or applied towards principals or the new escrow accounts. Even Mr. [redacted]’s payoff statement from [redacted] states that the escrow funds can be applied toward the principal if the mortgagor authorizes the transfer. As stated above, if [redacted] had not applied the escrow funds towards the principal, the entire loan would have required restructuring and would not have closed as Mr. [redacted] wanted. More importantly, [redacted] would not have applied the funds without authorization from Mr. [redacted] to do so. CrossCountry even told Mr. [redacted] that a simple phone call to [redacted] would suffice for authorization. It is unfortunate the customer and CrossCountry experienced miscommunication; however, CrossCountry hopes this response clarifies the issue for Mr. [redacted]. Thank You, Anthony R. [redacted]Associate Corporate CounselCrosscountry Mortgage Inc.6850 Miller RoadBrecksville, Ohio 44141Direct 440-671-6581 Ext: 1008anthony.[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.] This matter was handled very unprofessionally and I feel very carelessly. I have not gotten any correspondence from CrossCountry regarding the change of the servicing agent. I did find out on Wednesday that my loan had been moved to [redacted]. The way I found this out is because I got a random "privacy disclosure" from [redacted] and called them wondering why I had received a privacy notice from a place that I knew nothing about and didn't have an account with. That is when I was informed that my loan had been transferred and was now in their hands. So, in the middle of all of this, I mailed a check on Monday (07/31) made payable to CrossCountry Mortgage in the amount of $1200 because after receiving the letter from CrossCountry informing me that I had an August payment that was due on 08/01, I was afraid that they would mark my account as "past due". I called CrossCountry this morning (08/04) to inform them of the check and was told that they hadn't received the check, but if they did in the future, they would forward it on to [redacted]. So I do not want to close this complaint out until the check it located, forwarded to [redacted], and credited to my account there. After dealing with all of this, I have lost all faith in CrossCountry so I want to make sure that this missing check is located and delivered properly to [redacted]. Once this has been completed I will be okay with closing out this complaint and putting all of this behind me.
Regards,
Jason [redacted]
From: [redacted] Sent: Friday, May 08, 2015 6:01 PMTo: [redacted]Subject: Response from Better Bus Bureau [redacted], Thank you for your explanation through Revdex.com. I am the consumer filing the complaint. Even if the inquiry was "soft" I did not authorize it sp it should have never occurred. I ask that you call the credit bureaus to have it removed. The last four of my social is [redacted]. Please call me to discuss.[redacted]Thank you.[redacted]
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.NOTE ** When we were contacted by John F[redacted] of CrossCountry Mrtg. he insisted that because we had been a previous customer that the "RE-Financing" would be quick & should have no problems at all because all we had to do was up-date our financials & credit report & a appraisal of our home. Instead it turned out to be a LONG DRAWN OUT situation of CrossCountry dragging their feet ( of course all the while waiting while the FED was determining whether to raise interest rates ) CrossCountry kept asking for more documentation that we already sent to John F[redacted] of CrossCountry. John F[redacted] kept asking for us to send documentation that was previously sent ( delay or inept way of doing his job ) . We told John F[redacted] we did not want to pay off a line of credit & signed a document saying so but he put together the loan with the line of credit in the document anyway...delaying the closing. Then John F[redacted] said we needed to sign a paper saying we did not want to pay off the line of credit which we already had signed. It was evident that John F[redacted] was not reading our e-mail to him because we were very clear in them that we did NOT want that extra money in our loan. This delayed the process again & the underwriters needed just one more document. The underwriters always needed one more document. John F[redacted] also said I needed to have $23,000.00 a month set up from my 401k deposited to my checking account UNTIL all funds were depleted of which I started this . We were informed that the underwriters needed more documentation...really ? Now that I have filed a complaint with the Revdex.com John F[redacted] / CrossCountry says they just need a new home appraisal & A FEW MORE DOCUMENTS .... ? Or they can us our money back for the first appraisal ? What about all that money I removed from my 401K & had to pay taxes on ? I did this to get the refinancing & still they need more documentation ? John F[redacted] said we were approved for the loan & here we are Nov 9th & having to deal with this ineptness ? Something is wrong big time to be treated like this ! We have great financials, great credit ratings, money in the bank, & we are getting the biggest run around for a simple REFINANCING ? Its simple we ...we qualify ... we did what was asked of us... supplied an unusual amount of documentation .... Just complete your job & process our refinancing loan CrossCountry !
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.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]
Customer admits that the information was not provided. CrossCountry Mortgage could not process the application without the requested information. Additionally, the customer's application had other credit issues. CrossCountry Mortgage can provide the customer another copy of the letter setting forth the details of the credit issues.
---------- Forwarded message ----------From: Alex R[redacted] <AR[redacted]@myccmortgage.com>Date: Fri, Jun 24, 2016 at 4:35 PMSubject: CrossCountry Mortgage - Additional Information for complaint #11484364.To: [redacted] <[redacted]@cleveland.Revdex.com.org>[redacted] – I was trying to update your system on the subject complaint, but it was not an option at this time. I’d like to notify the Revdex.com that the loan was successfully closed since our last correspondence. Thank you. Alex J. R[redacted], Esq.Chief Legal CounselD [redacted]@myccmortgage.com