Consumer complaint received 2024-08-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CrossCountry Mortgage LLC (TX)

There is an active complaint on XXXX. This complaint is a supplemental complaint regarding retaliation by XXXX manager XXXX XXXX in collusion and conspiracy with XXXX to retaliate against me for filing the first complaint. XXXX has requested CFPB to provide additional time to respond to my request to receive the promised pre-approval letter for {$220000.00} at 7.188 % APR for an FHA loan using my HUD/XXXX  homeownership voucher and HAP letter, which will pay {$1900.00} per month for a monthly mortgage payment of {$2200.00}. XXXX XXXX originally processed my application and said he was writing the pre-approval letter and that it would arrive in a few minutes. He failed to send. It appears to be an act of deliberate deception in violation of the XXXX  which prohibits deceptive trade practices against consumers including deliberately deceiving a client by making false promises. This supplemental complaint regards XXXX 's further violation of the Federal Code 100.130 which prohibits discrimination in the terms and conditions for making available loans or other financial assistance and for XXXX 's recent violation of the Equal Opportunity Credit Act, [ ECOA ], 15 U.S.C. 1691 et seq. which prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. On XX/XX/XXXX, after transferring the process of my application to XXXX, XXXX apparently colluded with XXXX to retaliate against me for filing the original complaint and reprocess with the intent to deny my application using any means available, legal or not. The lawless means XXXX chose to use was to violate FHA Mortgage Guidelines and use information that does not appear on my credit report and information that is considered non-derogatory as defined in the Guidelines, against me to deny the application. I have had no credit accounts open and have had no credit balances revolving or otherwise since XXXX ; over 5 years ago. Derogatory accounts may only be considered derogatory if they are 24 months or less since becoming delinquent. I have no court records on my report and have not been served with process at any time in the past 5 years. Despite these facts, XXXX made two false claims on the cover page to act on XXXX 's retaliation and discrimination against me to justify the wrongful denial : 1 ) Insufficient number of credit references provided. My credit reports are over a dozen pages long with Student Loan and other credit references. XXXX 's application does not request the applicant to list credit references, 2 ) Delinquent past or present credit obligations with creditors. Griffin used the following four false reasons to wrongly justify the checked items on the cover page : 1 ) Serious delinquency and public record or collections filed, 2 ) Proportion of balance to high credit on revolving accounts, 3 ) Number of accounts with delinquency, 4 ) Time since derogatory record or collection is too short. I've attached a copy of XXXX 's XX/XX/XXXX denial signed by XXXX. I withheld the first page, since it has only my name and address on it. In the footer, the document alleges that 5 pages were sent, but they did not include page 5 in the envelope, so I only received 4 pages. The file contains pages 2 thru 4.