Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I do not have the exact date that I started to apply for loan back in XXXX with a company called XXXX. I was very hopeful as they seemed as well. I was honest and upfront completely about my situation in terms of my income where it comes from and how I get it. Which I was told they would be able to work with me and also my credit and I went through each one of my credit issues with them specifically because I did not want it run unless they really thought they were gon na be able to help me out because my credit isnt great. And they were positive so they were gon na be able to help me out he said this is none of this is a problem so I went ahead and I went for it this whole process took us a good three or four weeks because of the holidays and everything else. The entire time hes very hopeful hopeful hes telling me Im gon na get this not a problem. All of a sudden at the very end out of nowhere he tells me I have a XXXX score and they cant give me the loan. I dont have a XXXX score I keep track of my score on the three major credit bureaus and nowhere is there anything close to XXXX score and on top of that he refused to give me wherever he got the XXXX score from repeatedly I sent them emails and they wouldnt give it to me. I have so much happening in my life right now from illness to getting XXXX to possibly all kinds of things I cant even begin to tell you would have happening in my life its ridiculous that a few weeks went by and another company approached me and I have had a XXXX XXXX and Im on medication which affects my memory a little bit so when this woman approached me I asked her is there a way to check and see if Ive ever applied with you and she said absolutely. So she checked she said youve never played with us I said are you sure and she said yes I said because I do not want to apply and get turned down because Ive already applied she said not a problem you havent applied I said OK lets try this again went over everything with her. She never told me of any options she never told me of any problems reporting my income nothing like that never partway through the process after I paid {$500.00} application fee which I didnt pay before. I get a letter in the mail that tells me very vaguely why the last company didnt approve me and its the same company theyre both XXXX XXXX so she either lied to me or didnt do what she said she did. Im serious. Now Ive been calling and trying to get a hold of people in the company the CEO I was directed to this other guy name XXXX who is in charge of the region hes not calling me back Im trying to get a hold of other people the phone numbers theyre giving me or being directed to other people who arent even in the company this company is unbelievable they are so so shady. Its crazy and then I said I did some research they had to pay millions of dollars a few years ago for XXXX like this. I want my {$500.00} back. She lied to me flat out now she wont even talk to me. I cant get anybody to talk to me. That is unacceptable. XXXX XXXX