Consumer complaint received 2016-07-02
Company: UNITED SECURITY FINANCIAL
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
that I can get resolution to a misrepresentation of myself by my former company United Security Financial Corp. 

I do not know the complaint ID, nor was I privy to any of the dates that this complaint was submitted but I was informed that a CFPB complaint was issued against United Security Financial Corp by a borrower named XXXX XXXX. The complaint was in reference to a refinance that I was the loan officer on. I have since discontinued my employment with them. XXXX XXXX issued her complaint due to United Security Financials unwillingness to provide payment for an appraisal that was promised to her by a branch manager at that time. The branch manager also no longer works for United Security Financial. 

I was contacted by XXXX XXXX on Friday XXXX XXXX, 2016. She stated that " XXXX of my old borrowers submitted a complaint '' XXXX could not tell me the name of the borrower at that time. Through her explanation of the complaint issued I assumed it was XXXX XXXX. XXXX stated that XXXX was seeking money for the appraisal as promised. I told XXXX that I was not the individual who made that promise to XXXX XXXX but I would look through my emails and correspondence with her to see if I could help both parties come to a resolution. We agreed that we would get back in touch after the weekend and then I received the below email from XXXX. ( please note that XXXX wrote me this email using the Subject header of a previous email exchange ) From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2016 XXXX PM To : XXXX XXXX XXXXXXXXXXXX Subject : RE : VERIFICATION OF EMPLOYMENT REQUEST This is our response : Finally, XXXX XXXX XXXX alleges that she was promised she would get an appraisal fee back. USF had no knowledge of this promise. XXXX XXXX did not pay for the appraisal in advance, but did pay for the appraisal as part of the closing. No one, XXXX or XXXX XXXX, disputed the charge at closing. This allegation was not raised until well after the loan was closed, funded, and disbursed. 
USF has reached out to the loan officer, XXXX XXXX who is no longer employed by the company, to see if he had any knowledge of this promise. It is the opinion of USF, that this loan officer and customer have a long standing relationship. XXXX XXXX has agreed to pay them for the appraisal to resolve the issue. 



Best Regards, XXXX XXXX This response to the complaint provided by United Security Financial holds many fabrications and misleading information. The opinion of USF that XXXX XXXX and I had a long standing relationship is untrue. She was referred to me by another individual whom I was helping refinance their home as well. Furthermore, I never agreed to pay for the appraisal to resolve the issue. 

I would love to get in touch to find out what action I can take in order to clear my name on this complaint and dispute the facts represented by United Security Financial. Please reach out via email, telephone at any of the numbers listed below. 

Thank you very much, Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation