Consumer complaint received 2021-07-30
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The complaint is about my current Mortgage company but I have to begin my story as to how I got to this extreme financial and health abuse! However it's bad enough that since XX/XX/XXXX IHSS XXXX, extreme corrupt XXXX and XXXX subjected us to myriad of Torts and still ongoing, subjected us illegally to severe financial hardships due to several Governmental Torts of turning off entitlements for my severely XXXX son ; his caregiver, a severely XXXX senior ; due to when moving from a rental because we purchased a home, when we have ten days of notice, when I was on my last truck load, misclassifications ; assumptions ; spying ; intimidation ; denials ; misconduct and even criminal acts that led me to total financial disaster! Afterwards, my financial situation has collapsed ; since, when I had a credit score of XXXX. Since, all the liberal banks like XXXX XXXX  ; XXXX ; XXXX, and XXXX XXXX shut me down and cancelled my cards. I had 11 accounts with XXXX, but XXXX is still harassing me after 16 years of loyalty and perfect payment record! Therefore, in the beginning of XXXX of governmental payments were withheld, XXXX was not even getting paid, due to 3 misclassifications of my DAC ( XXXX Adult since XXXX ) son! At the time when I was just moving into my purchased home. I then refinanced my FHA loan 6 months later, with the indicated mortgagor, Sun West! However, they volunteer to offer me a {$5500.00} loan as a lien at 3.5 % interest. But with the excuse of my credit when it was he same when the refinanced my FHA Loan, they increased the second loan to 7.75 % interest, without notice! And I have low vision ; thus, it hurts to focus my eyes to read due to my optic nerve damage over a decade ago due to an auto accident ; thus, I mostly use my large duo monitors and my Text To Speech Readers to read! However, I was elated that a new finance company was willing to refinance me at a lower rate! I submitted everything the pending mortgage company asked me for ; however, they were asking for the legal document for the small lien. This is the major problem I am complaining about. I requested the legal document from Sun West and asked them why they are claiming 7.75 % interest when it started at 3.5 % but never informed me it was going to more than double my interest! They did email me the document ; however, their subjected me to extreme security paranoia. In other words, to open the document it requires a password, they sent me on a separate email! I opened the document and saved it on my computer. So I thought ; however, even though I can see the document, I can not printed, fax it forward it or view it again. Since, I get an error message and the prospective mortgagor indicated that the document was blank. I was into disputes with them this morning, when I was feeling well. Since, we still get XXXX symptoms we contracted last XXXX! In addition, I have cerebral hypoxia, XXXX fatigue, broken sympathetic nervous system ; thus, this autonomic nervous system does not function during negative stress and get very ill, like this morning. The first representative kept repeated that there was nothing she could do due to security paranoia. In other words, they are disgruntled because I am trying to refinance and have been approved. After the first call, I was very upset. Then XXXX, so called a supervisor called me back and said she was willing to fax the document to me! I connected my fax ; however, for about ten times a fax with the number from XXXX, XXXX was trying to fax the document to my CELL PHONE NUMBER, instead of my fax. I try to contact them but they were not available. I did filed a complaint to HUD and to their superiors regarding this incident. I am so afraid not to be able to refinance because of Sun West refuses to provide the legal and registered document they had failed to provide to me! The new mortgagor is going to refinance me at 2.75 %! They do have many similar complaints online. In other words, they irrational policies are more important than their customers and have a funny way of showing how the refuse to let me refinance and want to keep me. Of course, they are abusing me financially! Please help me, before the new mortgagor loses interest! Please help me! I did not ruin my credit score but the local government so called adult support services!

Company response to consumer: Closed with explanation