Consumer complaint received 2024-08-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC (TX)

On XX/XX/year>, XXXX XXXX processed my loan application. He called and said he was writing the pre-qual letter and that I would receive it in a few minutes. It never came. I emailed Customer Service with my concerns. On XX/XX/year>, they transferred me to XXXX XXXX upon my request due to previous contact in XXXX and XXXX. She reprocessed my application, despite that XXXX had pre-qualified me, putting a second hard hit on my credit. XXXX then directed me to take an adverse action against myself and credit score, which would violate my rights under the FCRA, demanding that I remove disputes on non-derogatory accounts that are nearly XXXX XXXX XXXX. She said it is an FHA requirement that I must meet in order for her to process my application, which had already been approved by XXXX. At this point, I knew that XXXX was subjecting me to cognitive bias due to age over XXXX and XXXX, apparently assuming that I am completely stupid and do not know my rights. Her repeated demands to perform adverse effects on my credit as a requirement for her to process my application, violated my rights under the XXXX and FCRA. Especially when considering that her demands ordered me to remove disputes on non-derogatory accounts that occurred longer than 24 months since they became delinquent, without giving me an opportunity to respond to a mortgagee letter. I pointed out several times that her claims are false. 
Yet she insisted that her claims and demands are HUD/FHA guideline requirements and that I must take the adverse actions on my credit reports in order for her to process my already approved application. She made this demand knowing ( as shown in her screenshots ) that the guidelines state in numerous entries in the document, that non-derogatory accounts can not be used to determine creditworthiness. XXXX did not do this. Instead, he approved it but lied about sending the pre-qual letter to me. When I argued this with XXXX and cited the law, referencing her own screenshots of the law, she then reversed her claim that the FHA requires that I remove disputes on non-derogatory accounts, by stating that the guidelines are not a law, when in fact, the guidelines are a legal extension and extrapolation of the FHA, which is a federal law. Realizing that I had been subjected to violations of the Texas XXXX due to XXXX 's bold attempts to take advantage of my lack of knowledge and experience, deliberate deception, intentional misrepresentation, and coercion to deprive myself of federal rights under the FHA and the TILA, I contacted customer service and asked for my application to be sent to underwriting to issue the pre-qual letter or to issue a mortgagee letter, so that due process in processing my loan application could be served. No one has responded, not even customer service. No one has provided me with a pre-qual letter. Additionally, XXXX violated my privacy rights when she copied XXXX recipients, XXXX of them my realtor, with screen shots of my personal and private credit reports, to intentionally inflict emotional distress, to subject me to public humiliation and embarrassment, which caused me XXXX. The realtor has since not responded to my emails or texts, and she is under contract to represent me in purchasing a home.