Consumer complaint received 2020-10-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONWIDE MORTGAGE BANKERS, INC. (NY)

I started a refinance process XX/XX/XXXX with Nationwide Mortgage Bankers. My loan originator XXXX XXXX never provided me with a final disclosure document prior to my closing for review. The last disclosure documents I received was on XX/XX/XXXX and it was a COVID attestation document. The Closing Disclosure that was allegedly attached in the link did not open. Since the process of refining took longer than normal I waited to receive the documents on my closing date. However prior to my closing I had submitted my attorneys name and number to Nationwide thru XXXX XXXX email since all correspondence on my transactions came from him. He replied I did not need an attorney although I knew that was my right to have one. They wanted to close on Friday XX/XX/XXXX rush job at this point wanting to meet the end of the month deadline but I had death in the family and would not be available until Monday XX/XX/XXXX. XXXX XXXX a signing notary agent made the appointment for the closing to take place on Monday at XXXX changing it later to XXXX due to a conflict on her part. I requested all documents for review before signing. I noticed on the final disclosure statement charges that were questionable and appeared inflated to increase my closing cost. Credit report fees totalling {$110.00}, BPC fee {$200.00} that the Title company agreed to refund thru my attorney in a follow up email. Recording fees {$160.00}, Settlement fee was increased by {$100.00} from the initial disclosure from {$750.00} to {$850.00}, Title Search and Review fees totaled {$700.00} and my Title Insurance {$620.00}. The closing cost due not appear in accordance with North  Carolina regulations. The XXXX XXXX XXXX XXXX XXXX has a general affidavit that I signed noting on line 14 of their affidavit states to determine eligibility for a discounted+premium, provide the Title closer with a copy of any title insurance policy issued to the property within the past 10 years or the closing statement  confirming payment of a premium for prior title insurance policy, and the policy amount, and evidence of the amount due on the exist mortgage being refinanced. On XX/XX/XXXX I forwarded to Ms XXXX the Title closer a copy of my closing document to which she replied speak to my loan officer. On XX/XX/XXXX I questioned the issue of the discount and supplied my closing document from XXXX to Nationwide and it was disregarded. Furthermore Ms XXXX the Title closer or another person forged my initials on the COVID-19 Certification document after my signing, this is not my hand writing. I only spoke once to the loan originator, Mr XXXX XXXX has been the one corresponding through email and was rude and condescending in his final comments replying to my concerns that the funds should have been deposited to my bank account since a cancelled check was provided to Ms XXXX and shows in the final copy of documents I received from Mr XXXX. I commented that my previous experience refinancing my previous home the bank disbursed payments directly to the creditors and not to me. His reply is as follows : why would the bank have to pay for you to mail all your checks to the debtors? with all due respect XXXX, you want people to jump through hoops for you and do every little thing you want and then you want everyone to cut their fees and work at a discount for you. We closed the loan, gave you a great deal at an all time low interest rate and you got your money in a timely fashion, please just be happy and lets move on. I found this to be truly unprofessional, as a result of how they handled this closing poorly I incurred late charges as well from my creditors that they made checks out dated XX/XX/XXXX, I closed in NY and they were well aware of this and mailed all the checks to my NC residence left it at my door provided me with a receipt alleging it was shipped and billed on XX/XX/XXXX when the checks are dated XX/XX/XXXX delivery was on XX/XX/XXXX. If the checks were issued on XX/XX/XXXX why is my mortgage due on XX/XX/XXXX which should actually be due on XX/XX/XXXX. Nationwide seems to be practicing unfairly in the mortgage industry towards people of XXXX. Equity Settlement has violated their own affidavit. NWMB alleges they dont do estate deeds so I was required to remove my daughters from the deed to secure the refinancing of my mortgage.