Consumer complaint received 2020-09-22
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I worked with Owning Corp to obtain a refi for a 2.5 % fixed rate, 30 year term, no cost loan. XXXX and XXXX assured me the loan was approved, they even competed with XXXX who had offered me the 2.5 % rate ( which they matched ). I only opted to go with Owning because we were already in the middle of the process. I was told it would be a 14 day process to close and fund when we begain the process on XX/XX/XXXX. I signed documents with a notary ( XXXX  ) on XX/XX/XXXX at my home. I was told I would not have to make a payment to my new mortgage company until XXXX. I did not hear from anyone or reciece final copies of the documents signed on XX/XX/XXXX prior to XX/XX/XXXX. I did request hardcopies back in addition to softcopies at time of signing. I did not want to miss a mortgage payment or have a late payment on my record, so I made the payment to my current lender. 
I was not told of any delays in funding until I called. At that time XXXX told me that they were waiting on proof of a lein from child support from County of XXXX to be removed. I immediatly called, received confirmation that it was to be removed over a year ago and provided documentation that I had received when I refinanced in XXXX with XXXX that the lein was to be removed. Again, I did not hear from them reached back out to learn that they were now waiting on confirmation that leins for old taxes were now showing up on my credit report, which they ran prior to approving me and did not have  impact on my XXXX refinance with XXXX. I called IRS who confirmed that there are no leins in existance for me. I again shared what I learned and was told they were still waiting and that I should call IRS again to see if I can obtain info faster they them waiting. I've requested contact info for their Managers and Vice Presidents and have yet to receive  any info. Discolsure deadlines were missed, I signed documents and missed the 3 day recission to accept XXXX refi options that would have had me closed and funded, I am currently being charged almost 1 % more than my new rate would have been for at least 30 days longer ( and counting ), there is a serious lack of communication and I'm not sure how to resolve this. I have communicated with XXXX and XXXX on the following dates : XX/XX/XXXX XXXX requested info, XX/XX/XXXX signed consent to process electronically, XXXX requested updated estimate to match XXXX rate since we were already in the process, XXXX requested estimate again from XXXX, XX/XX/XXXX XXXX requested signature to remove items from Title to be able to close this week, XX/XX/XXXX emailed XXXX to inform that if I did not hear from her I would accept XXXX offer/she replied back she confirmed receipt of my email and Statement of Information sent to tile to clear items found on credit and set up docment signing for XX/XX/XXXX, XX/XX/XXXX docs signed at my home, XX/XX/XXXX I reached out to assure loan payment was made since I had not heard back from them, XX/XX/XXXX I reached back out to find out what was going on, found out leins from XXXX were still being worked on and I requested info on what was being done, timeline, options for going with someone else and why lack of communicaton to inform me. XX/XX/XXXX emailed requesting Vice President info again to escalate. I signed with them over one month ago and still no funding has taken place, I am paying almost 1 % more per month and still do not know where I stand. Please assist in resolution. I just want the loan funded and finalized with  reimbursement of the financial impacts of this delay.

Company response to consumer: Closed with explanation