Consumer complaint received 2019-04-15
Company: AmeriFirst Financial Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX XXXX XXXX builder of Texas ran my credit without my written authorization and Denied my VA Loan because of my XXXX   XXXX and Retired status.XXXX  XXXX VA Loan Department of Florida didn't conducted a application, only pulled credit as stated that underwriter didn't approved loan  and my XXXX credit score was XXXX in which my credit score was over 600. 
On the same month of XX/XX/XXXX XXXX XXXX refer me to their business partner XXXX XXXX of Florida in which I filled and completed a VA Loan application and gave written consent to pull my credit as AmeriFirst and XXXX XXXX Reps stated that another credit pull has to be implemented on another VA Loan as XXXX XXXX implemented a decline VA Loan # XXXX on XX/XX/XXXX and on XX/XX/XXXX-XX/XX/XXXX Amerifirst pulled my credit. 
On Home purchase my Florida Real Estate Agent conducted the deal with XXXX XXXX in providing all full closing cost paid, with Washer & Dryer, Stainless Steel Refrigerator and  all blinds throughout the house and only money coming out my pockets was {$1000.00} earnest deposit. 
XXXX XXXX put a price tag of XXXX on new inventory construction home that wasn't ADA mandated and I wasn't accommondated on my of my XXXX XXXX. 
Home appraisers of XXXX County email me appraisal of around {$200000.00} from the Office of XXXX XXXX, XXXX, XXXX XXXX County Property Appraisers of XX/XX/XXXX. 
Amerifirst was charging me around {$500.00} for home appraisal and many other VA Loan and lender fees. 

AmeriFirst Mortgage provide it a Pre-Approval and a Earnest Deposit of {$1000.00} was electronically sent from my XXXX XXXX XXXX to XXXX XXXX Builder XXXX XXXX, to start escrow proceedings for XXXX XXXX builder New Inventory Construction home built in XX/XX/XXXX at XXXX XXXX XXXX, XXXX, Florida.XXXXXXXX XXXX XXXX On XX/XX/XXXX I get a email letter that my VA Loan  was denied because of credit scores of XXXX, not enough funds to close and other Derogatory Remarks on Declined VA Loan. 
VA Lender XXXX XXXX investors underwriters denied my loan also because of the Bankruptcy Chapter XXXX of XX/XX/XXXX in which it was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX. 
A Bankruptcy Chapter XXXX had to be implemented to discharge me from any collections debts of XXXX XXXX XXXX XXXX, XXXX, XXXX.XXXX in which on XX/XX/XXXX a fraud, corruptions and scandal was implemented on VA Loan , purchase process with Texas home Builder and VA Lenders XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXXXXXX , XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX . 
A VA Loan  Modifications was in process because of the issues of unlawful appraisal of XXXX XXXX XXXX of XX/XX/XXXX in which XXXX XXXX XXXX XXXX initiated the appraisal through a Texas appraiser to accommondated a higher inflated appraisal so XXXX XXXX XXXX can make a profit of {$80000.00} to {$100000.00}. 
Many Federal Government complaints was filed from XX/XX/XXXX till XX/XX/XXXX. 
As XXXX XXXX and XXXX XXXX XXXX had a business partnerships, just like XXXX XXXX and XXXX XXXX of Florida. 

As far of XXXX XXXX and XXXX XXXX  it appears that they just put me on VA Loan and purchase process to denied me and that's what they did as they knew that I had creditor of XXXX auto loan that had a derogatory remarks of 30-60-90 days that needed to be deleted and it was going to take over 30 days to deleted the derogatory remarks. 
There is other Retaliating and Discriminating factors against me that was it was written by email by XXXX XXXX VA Loan rep by Mr.XXXX  XXXX and it was sent to me as I didn't like him saying to me, that I was frustrated on VA Loan process and I wasn't 'frustrated as I don't crumble under pressure. 
I am a US XXXX XXXX, Military Veteran and I was educated in the Military to never crumble under pressure and always respect your other and oppositions. 

On around XX/XX/XXXX XXXX XXXX Senior Vice President Ms.XXXX XXXX and VA Loan Rep Mr.XXXX XXXX sends me a email stating that my VA Loan was denied because of the underwriters investors decisions as they didn't want to approve my VA Loan because of Bankruptcy Chapter XXXX, and my XXXX XXXX and my National Origin as a XXXX XXXX  American. 
My XXXX XXXX income is at {$4600.00} a month with 2-3 percent Cost of Living increase every year on XX/XX/XXXX.and my debt ratio was under 40 percent as I don't have many debts and my credit scores is over XXXX. 
On XX/XX/XXXX I email Ms.XXXX XXXX XXXX of XXXX XXXX XXXX that I was denied on VA Loan and I like to receive my {$1000.00} refund back to my XXXX XXXX XXXX checking account ending # XXXX, she stated that I have to sign a document to receive my refund. 
On XX/XX/XXXX I signed the document by electronically email and I haven't receive my {$1000.00} as of XX/XX/XXXX to my XXXX XXXX XXXX account, just like I wired the {$1000.00} to XXXX XXXX XXXX XXXX Bank on XX/XX/XXXX. 
Ms.XXXX XXXX stated that a check of {$1000.00} will be mailed by US Postal Mail two or three weeks. 
I respectfully requested for my {$1000.00} electronically wire to my XXXX XXXX XXXX or US  XXXX XXXX and I got declined just like my VA Loan and home purchase. 
XXXX XXXX XXXX and Amerifirst has violated my ADA Disability Civil Rights Act under Department of Justice and I have been Retaliated and Discriminated. 
Why have me go through the purchase process and VA Loan Pre-approval and take my {$1000.00} deposit and than Discriminate and Retaliate against me and denied me a opportunity on VA Loan and home purchase in Florida? 
I am sure that both XXXX XXXX XXXX  and Amerifirst Reps and Law Firms will deny any unlawful acts of violations against me and VA Loan and home purchase. 
Did VA administration in Florida Pre-approved my loan and denied alongside Amerifirst and XXXX XXXX XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation