Consumer complaint received 2020-03-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (WA)

Inital contact started on XX/XX/XXXX with XXXX XXXX ; email XXXX. On XXXX we were told he was working for this company for 3 years. Later that day i recieved the borrows check list sent everything on the list back to him. Was also told that day that XXXX my fieance needed to dispute all of his past credit issues in order for us to move forward. Which turns out your not suppose to do while trying to buy a house.XX/XX/5 sent bank statements via email for both of us sense we bought the house together. XX/XX/8 pay stubs email.XXXX recieved email with what to expect, as well as sent earnest money in.XXXX recieved a welcome to prmi email from XXXX XXXX, another email from XXXX XXXX stating she was helping Mr. XXXX with the loan. sent in more pay stubs, and tax info. Signed disclouser for the company.XXXX email from XXXX saying she needed more w2s and signitures. XX/XX/XXXX signed documents through docsign.XXXX email about the journey. XX/XX/XXXX appraisel came back at XXXX. XX/XX/XXXX email about a back processing, stated they needed proof of bank statement with earnest money coming out of account, still needed current statements from both of our bank accounts. sent everything needed.XXXX asked for same info that was sent 2 days prior. XX/XX/XXXX more emails about earnest money clearly coming out the account, talked about rent and deposits. Still in " under writting ''. XXXX email reguarding new loan program XXXXemail about credit monitoring, not on original credit inquire must give reason for under writter. XX/XX/XXXX Said processor and branch manager resigned planned on switching to another company as soon as our loan was finished. XX/XX/XXXX was told our file was in review and to wait 24 hours. XX/XX/XXXX email from XXXX XXXX saying we are in processing send in documents to earnest money coming out of accounts for the 3rd tim, bank statements and child support. XX/XX/XXXX XXXX had me email him saying we were going with a differesnt lender. him at his new company. recieved an email from XXXX XXXX that our loan was forwarded from XXXX XXXX.XXXX XXXX XXXX. XX/XX/XXXX was told to sign appraisel authorization even though i had a credit limit on my credit card. XX/XX/XXXX underwritting came back with additional conditions, sent in more pay stubs, proof of earnest money ( again ) info on  deceased landlord, gathering lines of credit for XXXX. XX/XX/XXXX phone conversation with XXXX. XXXX sent 17 attached emails with updated information with eveything she asked for. XX/XX/XXXX emails about XXXX  and XXXX not answering emails or txt, no phone calls returned.XXXX sent more bank statments. still no word from prmg. XX/XX/XXXX called XXXX at XXXX XXXX XXXX. sent all info i sent to both prior lending offices. XX/XX/XXXX paid full rent for XXXX and XXXX. totalling {$2100.00}. XX/XX/XXXX XXXX sent an email stating no more then 2 weeks to get all info together. sent a letter to the owner explaing the whole process and the suitation that we were in and not to give up on selling us the house, reassured them that we would qualify for the loan. and that the closing date would be XX/XX/XXXX. XX/XX/XXXX signed closing documents through evergreen loans. XX/XX/XXXX recieved an email from XXXX XXXX saying i owed {$800.00} for an appraisel. XX/XX/XXXX I emailed XXXX XXXX attachments proving that i was eaching out prior to switching and no one answered my calls, txts or emails. he stated I still owed for the appraisel due to us swtching. I told him we didnt think it was very fair that he was charging us due to his employees neglience we had to pay an additional {$3000.00}, not including the rent we had to pay during the time his office had our loan. a total of {$5200.00} out of our pockets, if it wasnt for us switching companys we would have been homeless. he stated that he would send us to collections if i didnt pay, and i walked out of his office. on XX/XX/XXXX I recieved a phone call from XXXX at prmi which was the first company mr XXXX worked at. XXXX informed me that i had an appraisel that was unpaid. After telling XXXX the whole story about what happened he told me that we were not the only ones effected and turned out that the people never quit mr XXXX was fired. He also appoligized for the huge horrible experience and forgave that appraisel fee.