Consumer complaint received 2017-04-10
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My name is XXXX I 'm going to start with part of my story. 
On XXXX I made a loan with Doral Bank in order to acquire real estate in the sector XXXX in XXXX, Puerto Rico. All paperwork regarding house inspection and appraisal was carried out by agents or employees of Doral Bank. The following individuals were involved in said paperwork : - Real Estate Broker- XXXX XXXX Appraiser- XXXX - Mr. XXXX- Unknown From the Settlement Charge Report, Mr. XXXX charged for an inspection of the property before closing. These charges, as well as the inspection, were unconcluded given that in none of the documents it specified the type of inspection carried out on the property. Upon contacting Doral Bank, as well as the companies/agents of XXXX, and XXXX. All of them agreed that they did not have such documentation. Until today I do n't receive a copy of the documents. As part of the real state 's financing, I was eligible for the Federal Funds from United Statas Governments. As a requirements for receiving the Federal funding aid, the terms for paying out this type of loan, the participant could agree to do 50 hours of community service. I was unable to complete the agreement before the first year after the property 's acquisition because in XXXX of XXXX the property was showing infrastructure problems. the problems significantly escalate on XXXX. On this date, water began to drip down directly the light bulb sockets, and the living room 's ceiling plaster began to crack and fall down, the rest of ceiling in all rooms began to crack. water runs down from the walls. These issues were reported on XXXX to U.S.I.C. ( United Surety & Indemnity Company ), the house insurance company. On XXXX I receive a response from U.S.I.C. stating they would inspect the property. On XXXX, an inspector from U.S.I.C. finally inspected the property. On XXXX I contacted FEMA for help and orientation and on XXXX a home inspector from FEMA verifies the claims and damages on property. On XXXX I contacted U.S.I.C. to verify the status of the property inspection and they inform that was still going an evaluation process. On XXXX I received an email from FEMA stating that all structural damages must be deal with accordingly to the home already designated insurance. On XXXX finally I receive a letter from U.S.I.C. stating that they can not intervene with the case, according to them the structure damages were pre-existent as well their insurance policy stating they do not cover water incurred damages. Aside form the steps taken, on XXXX I incurred on a water proofing and moss removal roof treatment was carried out to try fixing the water leak problems. The leaking occur again three month after the treatment. Upon realizing that situation was only getting worse, I proceeded to search for legal advice. On XXXX I filled a complaint to the XXXX ( XXXX, by XXXX initials ) in which I requested a reevaluation of the property value. Personnel from XXXX visit the property on XXXX. They never give me the report because I needed to ask for it under a court. During this waiting process, I contracted the Engineer XXXX, who specializes in structure, in order to inspect the property. The inspection was carried out on XXXX. 
This is just a part of what I 've tried to do and no XXXX answers. I come to you as my last hope for HELP PLEASE. 
Thanks XXXX

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