Consumer complaint received 2022-09-29
Company: Global Equity Finance, Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Its just that my closing manager whom took over the rest of my loan, which i was looking into my equity but they stated i can apply for a " cash-out '' loan since i do not owe much ... ..but we ran into a problem, the underwriter was asking for verification that the inro was clear on the " contracts '' that i had sent them ... ..but the actual problem was the actual closing loan officer... he would not listen to me ... .either he would not really pay attention or he might of been doing something else as i spoke therefore he misunderstood me several times ... he wouldn't really hear me out ... .on top of it he a couple of times just shut me up by raising his voice and stating we can call and see after the weekend which mind you it was a 3 day weekend but there was nothing else i can do... ..one time he even told be that they are not going to sit there and read the Deeds out ... which exactly what i needed them to do since i was here reading them for days since Deeds are so misunderstanding ... .they wanted to pay out some HUD housing help that received years ago which is fine but if they are already paid ... .i tried a couple a times that i did not have anything that states that but it does on the Deeds if you read them out... ..but this process was so frustrating which even made me cry a couple of times ... .and i think it mostly was because of how the loan officer would act with me ... .after he found out that we needed all that he because a little haustel, i should say, he was really rude with me and like i said he would not let me explain about what i was sending and why but at first he just misunderstood ... .but it just seemed as if he was doing something else at the same time and after i sent the info he just rudely asked me what it is that i am sending him... it was so frustrating ... ..i just felt that when he saw i may no qualify because of that, his whole way of talking to me changed... i was more like a bother, a waist of his time, like i irritate him, etc... .and when i tried to talk to him about it, he would deny everything... it was so shocking... I had requested to speak to his boss but at first he denied even having one, that he is the manager and there is no one else ... .at the end he did send me to the loan officer that i started the loan with, stating that he was his boss which did not sound write if he was just a loan office and whom i am complaining about is a manager loan officer or something like that ... .so i explain either way to the boss but he even stating things like he was the one speaking to but there is no way, i had emails, i had phone calls ... .so he too was lying but he was nicer he did explain about the actual loan... .bottom line i went with another Bank to do my equity loan but it was not a light decision, i mean we had weeks into it and i had to start all over, my credit would be checked again, the loans might be higher, etc ... but the thing was i had paid for my appraisal which another that was another problem, since i was not even told ever that i was going to have to pay that out of pocket until after papers were signed and that the time came to fill out my card info to pay it ... ... and yes i did but that even took a toll on my family... .on top of everything that is happing to the economy ... .how the gas went up, the food went up, ect so i did i asked if i can get my money back since i didn't take their loan because i didn't qualify or like the rate but because of the quality of customer service that they gave, it was an awful experience ... .but they refused ... .and also denied most of it ......

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