Consumer complaint received 2017-07-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ALCOVA MORTGAGE LLC (NC)

Consumers BEWARE!!! We started with this company in XX/XX/XXXX and after a few weeks XXXX ( the owners nephew ) kept asking us for the same information we had already sent and when we questioned what was happening in the process he was ALWAYS very vague and would say it was being handled by his " higher ups '' AKA his uncle. That he was the liaison and had to wait for them. They were ALWAYS " in a meeting '' ( translation on the golf course. ) They took no consideration that people were waiting for them to do their jobs. We had numerous closing dates only to be disappointed after each date had come & gone. SO we started following up with the closing attorney an found out there was NEVER a closing scheduled any of the times he claimed. LIE after LIE, then we had to have an appraisal which he scheduled late as well and that took 3 weeks and we had to jump thru more hoops. The issues with the appraisal was already identified in the inspection report 2 months back and he acted like it was a surprise. When we talked to the appraiser he told us he had informed them when we put in our offer of these issues. Again we found more lies from them. <P/>With all the missing paperwork that we had to keep refaxing makes one wonder how well they secure our personal information. XXXX also kept trying to get us to give him our login and password information on our personal & bank accounts. Not in a millions years as he was very untrustworthy & shady in our opinion. Since I had to work, my wife faxed and fielded a lot of the information he requested and after he became upset because she caught him in lies and then he would just email me. So he did n't want to deal with women/wives because she caught him and would follow-up in his lies and deception. It was only after we got the manager at the realtors office involved did it hold him more accountable. Because his " higher ups '' were family and they were not going to do anything. We finally closed in XX/XX/XXXX after fighting thru every phase of the process Then they made us put money in escrow for a deck repair after the repairs were done XXXX had NO CLUE how to release the escrow money. Here we go again, money held up & being punished for calling him out and being caught in more lies. First email said oh its easy an nothing to worry about, then he sent the inspector out. Then he said he " was waiting for the inspectors paperwork '' LOL we called the inspector and he said it was sent to XXXX same day. Another lie so when we called him out on that he blamed the Attorney so we called XXXX XXXX office and he could n't believe that XXXX was blaming them AGAIN. <P/>When we called him out on that lie, well you guessed it, he said, it was " THE HIGHER UP 'S FAULT '' LOL Lie after lie and he hated being caught when we would question him. So his vengeance to us was to make us wait longer to release our money back to us. <P/>So we would like to warn the public and tell our story so they could have a successful stress & lie free home buying experience. BEWARE of this company and its lies. If you read the complaints from the Virginia office others have had the same experiences.