Consumer complaint received 2022-09-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (CT)

On XX/XX/XXXX I found what I thought to believe finally my new home a CONDO in XXXXXXXX XXXX submitted my down payment went through the entire process with the lending bank XXXX intercontinental XXXX group the lender officer I was dealing with XXXX XXXX closing day was approaching on XX/XX/XXXX XXXX sent me an email requesting my help he even called me apparently there was an issue with the FHA certification something I have no knowledge on the person he needed to contact was the broker XXXX who helped me through the entire process as well apparently the FHA certificatie on that condo had expired back in XXXX  apparently the condo association knew of this and intentionally let it expire they neglected on their part to make it known on the their website that It was not FHA making it to no ones knowing the sad part of this whole entire process is that the bank themselves neglect to follow through their proceeding process before me submitting any monies they neglect to first check if the condo was still FHA now XXXX  called me and told me that the FHA on this condo had expired that no worries these things happen and that all they needed was a on the spot approval that was it! well sadly that never accurred the condo association sadly knew we wanted to get a on the spot approval and denied the approval just like that my entire world collapsed I fell into XXXX because this was my first time trying to buy my first home the experience with XXXX was horrible promises made were broken money lost due to something that wasnt my problem or doing the only people whos fault were everyone involved with the condo and the bank After talking with XXXX and expressing how I felt he again stated that the money for the lawyer I couldnt get back not the inspection either, but that the appraisal money he would get back to me {$550.00} he also promised to get back {$110.00} for the XXXX XXXX questionnaire though I only got back {$55.00} a check I had sent out to them they returned but XXXX states that he would get me for sure the appraisal money {$550.00} found out also through XXXX that the bank was being sold. XX/XX/XXXX Monday received a call XXXX stating he just got back from vacation and that the bank was sold and unfortunately he wasnt able to refund me the {$550.00} from the appraisal but that if and when I purchase a home that they will pay for it LIES more lies XXXX  That day sent me a new pre approval letter by the new company he apparently works for XXXX XXXX XXXX when I received the email I asked him if that was the new name of the bank he stated Yes that they had purchased their division!!!! Lies I had such a bad gut feeling with him because I just couldnt understand as to why this entire process fell apart the way it did the neglect and the poor service so unprofessional I made it my business that day to call XXXX and speak to someone and explained my whole sitauation only to find out XXXX XXXX NO LONGER WORKS FOR XXXX! XXXX is now powered by XXXX XXXX XXXX not cross country mortgage this man shouldnt be working for any bank licensed professional lying to their clients as to where they work and making promises they cant keep inwould like my money back {$550.00} just because the bank he worked for Was bought out he knew this money couldnt be refunded he has been working in this business for 17 years he knew that was impossible why they lies I will never understand something needs to be done this behavior is uncalled for GOD onlynknows how many people he has done this too and continues to