Consumer complaint received 2023-01-19
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX CountryPlace Mortgage ( CPM ) Provided me with a Pre-qualification Loan Approval with a total appraised value of {$230000.00} the appraisal wasn't even completed until XXXX. On XXXX XXXX also had me sign a conditional commitment endorsement of the appraised value for the appraisal that took place later. All of the comparable sales listed in the appraisal are homes owned, created by, and financed by XXXX or XXXX XXXX. 

the developer is the property owner the home seller 's listed agent, the septic installer, the site, the XXXX worker, the neighbor, the electrician, the installer, and the builder. 

I have a XXXX. that clearly states I'm in the home seller 's old development called the wood run subdivision. Also, how can yall mess up the town I'm in when you developed the wood run subdivision right next door? 

My property does not meet development requirements for XXXX XXXX or The XXXX of XXXX and my property should not have been occupied until it meets at least XXXX of the local government 's requirements. 

The development applications that were submitted and the permits that were issued were required to be completed for what they were approved for but they were not. The XXXX was issued under a XXXX XXXX  permit on XXXX yet the construction took place months before the permit was issued. My electrical distribution system was not approved and is still not on my property. I am unable to acquire public water utilities and the groundwater district deemed the shared well in violation of the rules and regulations standards and no inspections were conducted. The manufactured home that was installed in the property was done so incorrectly and inadequately to withstand its intended purpose. 

My XXXX XXXX is a fraud and it's just a numbers game I'm almost done figuring out. My mortgage needs to be voided. My children need to bathe in water that won't give them XXXX infections. I can't continue to pursue a water tank for potable water so that I can ensure my kids are safe until I know that the mortgage company will stop the foreclosure on XX/XX/XXXX. I cant just leave out of fear considering you hit my credit and I own my own business and it's my first year so I cant just go find somewhere else to live. We still can't get public water at this time so at what point are you going to admit that you are intentionally and at full force inflicting pain and suffering upon my family? You sought to foreclose on me on XX/XX/XXXX, XXXX, and XXXX, and XXXX in XXXX of XXXX. 

I came from nothing and I'm fine with having nothing and losing everything. If you want XXXX to drag me out of my house and my family to lose everything then that's what we will do. We arent going to move twice. Its better to suffer a complete loss than to accept defeat. 

XXXX, the title company, and the home seller need to be on the same page. since you are all XXXX XXXX. You have sent different documents from each entity which makes everything come into question. please establish which document out of the multiple documents you sent is correct. My statement of Origins, application for statement of ownership, and hud forms don't even match up to anything you claim. At what point do you stop before this becomes a class action lawsuit? i already enough properties from the XXXX XXXXXXXX XXXX  and the XXXX XXXX  and the other individuals that have reached out to me from social media for help.

Company response to consumer: Closed with explanation