Consumer complaint received 2019-08-19
Company: SUCCESS MORTGAGE PARTNERS, INC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 we started a loan process with XXXX XXXX. He stated we were shooting for closing on XXXX XXXX. The first thing he had me do that went wrong was he had us payoff one credit card of three. I paid that card off of $XXXX, about a week later he calls me the day before the first closing date of XXXX XXXX because he had me pay off the wrong credit card. So we sat on the phone with the credit bureau going over what needed to be done for about an hour. They said well when you did the probability on the credit you had them paying off this card but in turn had them pay off that card. So I had to go to the atm pull money off the paid off card and pay off the other card. So this pushed our closing date back for another few weeks. After about the 3rd time we signed an extension and my landlord kept hounding us on moving, I talked with XXXX and he said, " let me call and talk to the seller about an early move in." This was on XXXX XXXX, he then calls me back and says, " you can move your things into the garage." I told him, that all our things will not fit into the garage. So I said, can you call him back and ask him since it is only for the weekend because we were supposed to close on the XXXX   of XXXX if he cared if we just occupied the home. He said, "you know what it is only for the weekend I don't think it's a problem but I will talk to him. Which he obviously never did. Otherwise when the roof started pouring water over the weekend I texted the realtor pictures of all the water sitting in the floor and dripping down the walls.I then learned that no one but XXXX knew we were occupying the home. She said, "I have to tell the seller otherwise I can get in trouble. So she did and he said thats fine but he wanted $XXXX a day for rent, so we agreed to that due to the fact and only the fact that we were closing in a few days. Well now here we are XXXX XXXX and owing $XXXX. He then had me go to the bank to get statements which is 30 mins from my work and an hour and a half from my home. I sat there for 45 mins going over numbers with him and the clerk. He told me he needed an email address from the clerk so he could email them a document to sign. So then he tells me well I need you to transfer this amount of money and then take this amount out of your account to make it this number. I did so. A few days later the bank calls me and said they never recieved an email to sign. I called XXXX   to check and he told me "Ya well we don't need that, I found a loop hole so we don't have to use that." XXXX has had me send numerous documents many of times and sometimes didn't need them. There has been so many days where XXXX and I have tried to reach XXXX  to find out what was going on, if we were closing, any new news and most the time we never got anything back until push came to shove. He never told me at the beginning that they needed my tax transcripts when I got my husbands two weeks ago at the end of the loan. I had to drive to XXXX  to get them. He has told me on numerous ocassions not to bring any money to the table at closing because he doesn't think the seller is that worried about it. He has had me sit on the phone with people like the irs, credit bureau, and the underwriter so many times for absolutely no reason. He and his father share the same name and to verify that my husband didn't have ownership of his fathers property XXXX had my husband write a letter stating that and sign it. Then on XXXX XXXX we were asked by XXXX and XXXX for a copy of his fathers drivers license to prove they were two different people. Now we were due to close this friday on the XXXX and because XXXX  failed to get the file in in time we can not close until Monday  now, which incurs more money owed to the seller. Not to mention that XXXX has been transferred from this firm at success in XXXX and transferred to the Georgia branch because he has messed up three others files. So in turn success mortgage put another lender in charge of our file but also left XXXX on the file to continue to mess it up. This mortgage companies name is success mortgage

Company response to consumer: Closed with explanation