Consumer complaint received 2023-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (OK)

I was a seller of a property and the buyers were using XXXX XXXX XXXXhrough CrossCountry Mortgage ( NMLS XXXX ) out of XXXX, OK as their lender. Less than 24 hours prior to closing, we get notification that the buyer 's lending hit a snag and would not be able to close on the scheduled date. We learned that the buyer had a large loan that showed up on their credit report after their initial credit report was taken that changed the buyer 's debt to income ratio. Contractually, they had a built in 5 day window where they could close without consequences. However, the buyers were asking for an extension up to the closing of their primary residence ( contingency ) based on the information provided from XXXX XXXX. XXXX was saying worst case scenario is extending up to the closing of their primary residence, but hope to close sooner ... within 2 days past the 5 day window period. During this waiting period trying to figure out a set closing date, we learned that XXXX has quite the reputation of being unethical, unprofessional, and a bully to others in which he's doing business with. He has a history of hopping around from mortgage company to mortgage company, because of his unethical and unprofessional practices. He has a public XXXX page and the day we learned that we would not be closing, he posted an ugly/nasty/unprofessional post about our realtor that verbatim reads " dear realtors : things happen - not always the lenders fault. It's your fault that this is your only deal in months and a delay makes you go nuclear cause you want that money We see your lack of production. '' I have screenshots of said post as well as other comments from him on the post that are equally unprofessional. Also he hand delivered an apology note with a {$100.00} bill by placing it in my federal mailbox ( illegal mailbox tampering ). This is not only insulting, but is bribery. He thought he could bribe us with {$100.00} bill to allow his clients an extension to the contract. My husband attempted to hand deliver it back to his office without success and subsequently certified mailed it back to him. On his public XXXX page, he then posted about it on a reel where our names and address are visible. In the video reel, he has " some people hate themselves and you '' written over the video and during the video he says " okay so I sent this card to a seller because we had a little delay in their closing and the guy attempted to hand deliver it back to my office when I wasn't here he certified mailed it back to me... nice. '' We have photos of the letter/ {$100.00} bill as well as the video of the reel. During the 5 day grace window, they were not expected to be able to close by the end of the contracted window and an extension would be necessary if we wanted to continue with the buyers. It was a tumultuous, stressful and emotional waiting period for many reasons, but as we came to the final day of the grace window, we had offered an extension with new stipulations to cover our inconveniences that went unfulfilled so we were not going to offer a new extension and were going to ask for a release of contract. XXXX managed, by some kind of miracle, to close the final day of the contract at XXXX XXXX I suspect that some fraudulent and unethical strings were pulled to accomplish this closing. And I'd like an investigation into every step he took on this deal. Minimally, he needs to have consequences for illegally tampering with my mailbox, for publicly publishing my sensitive information on a public domain without our consent, and for his unethical and unprofessional behaviors against our realtor as well as us. But I want his lender license revoked. He is a liability for any company who hires him. He can not behave professionally. And as mentioned, I highly suspect some shady, fraudulent things happened to get the deal closed. We do not believe that the buyers were properly vetted and qualified to close the loan without selling their primary residence first. We have pictures, screenshots, and video of everything we personally were privy to during the process.