Consumer complaint received 2020-11-06
Company: RENASANT CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for the mortgage with Renasant Bank in XXXX of 2020. The mortgage broker ran my numbers and information and give me the conformation letter for the funds. I found the house and submit the offer. All the need it documents that was requested by the broker was provided to him with the copy to the real estate lady. The closing was scheduled for the XXXX of XXXX. on XX/XX/XXXX, the Loan processor from the Renasant Bank send me the email requesting 10 things. Same day, all the requested documents was provided to her. On Thursday, XXXX XXXX, I spoke with my mortgage broker, XXXX XXXX, and he told me that everything is done and we will see each other the next day at the closing. He even send me the email saying : '' Dear XXXX, Having recently closed your loan for the property located at : XXXX XXXX XXXX, XXXX, GA, XXXX, I want to thank you for allowing me to assist you in your home financing needs .... " That evening, XX/XX/XXXX, at XXXX, my real state lady called me to tell me that we cant have a closing because my mortgage broker didn't provided the Attorneys with the bank file. I called to XXXX phone all evening till XXXX hours, but no one return my call or text to me. Next day, XXXX told me that it is a new law since the COVID, that I have to be working the same job for 6 month. I told him, no problem! I will provide this letter, let me just call the XXXX XXXX  XXXX center, and have them give me the letter. # 5 minutes later I was faxing the letter to the mortgage people. But, at that point XXXX said that it is to late and he will be working on conventional mortgage. No explanation why. 
Closing got postponed for a week. Mean vile, my husband moved out from the place of residence and was on the way to GA with my animals and some furniture. I came to GA as a traveler, during the COVID outbreak, to help at the XXXX  with the XXXX XXXX. I was staying in the camper. At this point, thinking that I will be closing on @ # rd, I sold my camper as XXXX of XXXX. The girl came in took the camper and left to the TX for the next assignment. I end up renting another camper so, my expances increased 2 times, on my housing and my husband, now, that he need it to return to Florida, because there is no room in the camper for 3 Macaws and one Cockatoo. I also have 5 dogs. As of right now, my husband is staying in the rat infested trailer in XXXX because I dont wont him to sign the lease for the year and then end up with the rent lean. And, it is not that easy to rent housing when you have this many animals. 
I also end up renting the storage, so, I can store the furniture I purchased here in GA. 
The closing got moved twice, I got in touch with the Reginal manager of the Branch I was dealing with XXXX XXXX, he also promised to help with the finishing the process, but ... .. 
Mean vile, the offer to the seller ran out and I lost {$3000.00}, my earnest money. So, now, I lost {$3000.00} plus, {$500.00} for the appraisal, plus {$500.00} for the inspection, plus storage fee 's, plus XXXX fee 's, plus HOA fees, plus Double rent that I am paying on me and my husband housing, plus the stress and the tears, i cant deal with this anymore. The same people I came to GA to help in the XXXX, is taking my money with out any regret or considerations. Please advise how I can get my money back. What do I need to do?

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 explanation