Consumer complaint received 2016-12-06
Company: COMMUNITY MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/XXXX Dear Sir : This is my first time to purchase a home. On XX/XX/XXXX I did a short home loan applicatioin with Community Mortgage online. I was preapproved. XXXX XXXX called me and said he was the loan officer on my VA home loan. Community Mortgage is located at XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX XXXX did not keep the line of communication open very much during XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. I am suppose to close on XX/XX/XXXX and that will not happened due to the delays by Community Mortgage. 

On XX/XX/XXXX XXXX XXXX sent XXXX pages of applications and other paperwork that he already filled out and told me to simply sign every thing over the internet. He put my full social security number and birthdate and he put a designation of my race, sex and marital status. The form said I can opt out of giving that information. XXXX XXXX and Commuity Mortgage denied me my right to opt out of race, sex, marital status or designate my own information. 

I have had my emails hacked in the past and do n't do anything concerning my personal information via email. I told XXXX XXXX that I want to fill out my own paperwork and I want to pick up a blank copy at the office. When I went to pick up the paperwork it was filled out once again. XXXX XXXX told me, " If you do n't choose your race I will choose it for you and based on your physical appearance, you are XXXX. '' XXXX XXXX has cut the line of communication since the " XXXX '' comment and issue. 


On XX/XX/XXXX, XXXX XXXX, the compliance officer at community mortgage called me and she said, " If you do n't want to put your race down on the application then maybe you need to go somewhere else to get a loan, maybe buying a house is not for you ; it is not meant to be. '' I was shocked and sick to my stomach to say the least at what she said to me. I told XXXX it 's best that I get off the phone and I hung up. 

On XX/XX/XXXX I got a call from XXXX XXXX and he said, " We have to pull all three credit reports again and if you do n't let us then you will not get the loan! '' I said to him, " You said XX/XX/XXXX that you do not have to pull my credit reports again and that they expire XX/XX/XXXX. '' I asked him could they just pull the XXXX since that was the only one that was not pulled XX/XX/XXXX. XXXX said that should be ok because he has done it before. On XX/XX/XXXX at XXXX I unlocked my freeze on my XXXX report. I told XXXX XXXX to pull the XXXX report after 20 minutes. That never happened. I have a letter from TransUnion proving they did unlock my report on XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I called Community Mortgage and asked XXXX XXXX via her voice mail for a copy of the appraisal. She never returned any of my phone calls. I never got a copy of the appraisal. On XX/XX/XXXX XXXX XXXX called me and began making false accusations, harassing me and attempting to intimidate me by saying, " Yea I heard you changed attorneys because you got mad, everyone in the office is talking about how you calling different ones in the office ; you are not going to get the house if you do n't do what I say, I got taped conversations of you. '' I told him I do n't have time for gossip or anything unrelated to my loan and I am a XXXX Veteran and you are aggravating my XXXX. I believe all this harassment is a result of Discrimination, Retaliation and Disparate Treatment. 

I am getting no return phone calls from the owner, XXXX XXXX, loan officer XXXX XXXX, or processor XXXX XXXX. I am being ignored. Because of their delays and incompetence and discrimination I may lose my Earnest Money from the builder. 

This intentional delay, discrimination, abuse, bullying, harassment has caused me undo stress.

Company response to consumer: Closed with explanation