Consumer complaint received 2017-03-14
Company: CITYWIDE HOME LOANS A UTAH CORPORATION
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was referred to him. In mid XX/XX/2016, we meet with him to see whether or he could help us. He proceeded to inform us that he could help but will be tricky due to the gifting in the contract and that a lot of realitor 's could not help us. I have never bought a house so I assumed that he was being honest. From word of mouth, including gifting in a house loan is extremely difficult. So we decided to go this way and started the paperwork. We got all of the paperwork together that he asked for.. Pay stubs, checking account info, Taxes and a Power of Attorney from the Bank. So papers were drawn up. We go and sign roughly 2 weeks later. Then he proceeds to tell me that he missed some stuff and that we need to come back to sign more papers. So we do this 2 / 3 times. So I need to leave work a little early to do this. I explained to him that this is costing a lot of money in gas and that I have to keep leaving work early due to traffic. After the third time of going down to sign papers, I told him my son was leaving and we needed to ensure that we have all the paperwork in line. He stated we did. Then came again for the fourth time and stated that we needed more info and still needed to sign more papers. Then he had stated to us that he had lost the papers due to carrying then in a backpack from changing offices again for the second / third time. So I took a couple days off work and we drove to we drove to California. We got the papers signed. Drove back. Got in touch with him and dropped off the papers. After doing all that and meeting with him on countless times. After 3 weeks goes by, he stated that due to the time frame on the loan, it took to long. And that we needed all new info again. I reminded him on how that I asked him to ensure that we had everything together the first time and he said we did. He apologize and stated how he not organized due to moving offices and losing papers.I explained and expressed very hard, telling him I 'm gon na have one shot at this due to different reasons. I explained the reason to him as well. So I got what he asked for and got the papers signed that he wanted signed. Got them all back to him. After 2 or 3 weeks goes by. He proceeds to tell me that he needed more info and that we may need this years taxes as well. I asked why on the taxes. Again because of the time frame. So after 3 months of losing papers. acciddently shredding papers or needed to resign the same thing and being extremely lost and frustrated. Of being told the process took to long while waiting on him.Towards the end of XX/XX/XXXX was the last time I spoke with him and told him that I 'm not using him. I did not realize that it took 3 months of paper work and still not done according to him. Then in XX/XX/XXXX, he CHARGED A XXXX Cost to my credit card for a home appraisal. We only got a text stating the amount of XXXX is what the home is worth. We never got our appraisal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief