Consumer complaint received 2021-03-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliver Beach Mortgage, LLC (CA)

- Received an email on XX/XX/XXXX to contact XXXX XXXX within 10 days to do a refi and get the lowest interest rate - On XX/XX/XXXX I contacted XXXX via telephone and he explained he could get me the lower interest rate to save us a couple XXXX XXXX  a month. He said that he would still need to pull our credit and as long as we were at a XXXX or higher that we would be good. He said that when you have an FHA loan that they need to let us know of our better options yearly. He then asked for my personal info to run the credit report. He said mine was fine, but my husbands was XXXX and he would see what he could do. His attitude started going down hill. It was odd. He emailed me the docs and stated that we should get them signed just in case we move forward. 
-On XX/XX/XXXX he called and said " Hey, what's up with you getting those docs to me ''. It was rude, but i took it as him trying to be kinda down to earth with maybe persuasive behavior. Big mistake. So, I signed the disclosures and sent them on. 
- On XX/XX/XXXX I emailed him stating that I hadn't heard from him and what was happening? His exact response : U never sent me any docs.. 
- I replied that I had signed everything His exact response " U never got me any docs id mortgage statement, Isnracne docs, Utltity billnothing '' I let him know that i signed the disclosures and i thought the rest would be submitted upon approval. His exact response " No I cant get ur loan approved without having docs. Weve been waiting for them and Ive called you about fifteen times in two weeks. Can you send them '' - At this point I realized that I had made a mistake by trusting this man. His professionalism and demeanor were horrid, not to mention all of the typos that stood out and made me feel like I was being scammed. I did respond to the email stating in question 15 times? Did you leave a message because I have zero message. I went on to tell him " No thanks, I'll pass and that his attitude is the reason for me to not move forward with him. '' - His exact response " Fair enough XXXX, I can only be me not who you want me to be. Sorry thats not good enough for you maam. Be happy to get the loan done for you. Just let me know. Sorry I didnt leave a voicemail, not really my style. Just get me the docs, lets leave all that other stuff at the door. '' - I did not respond as this was so rude. My name is not drea and he chose to disrespect me like this. I was shocked, I felt so stupid and that maybe he was scamming me and I would lose everything. I then filed a notice with the BBB. While I did that I read several of the same experiences, I couldn't believe it. People were saying that it was a SCAM! Now I am scared. 
- Jump forward to today, XX/XX/22, I received an email from him - exact words " Too bad u didnt wan na work with meI guess it never really matter cause ur husband has child support leins and u dont do a loan. There are child support leins on ur house '' When I asked for a copy he responded with " Sorry I cant do thatdidnt really like the way u handled our last convo '' - My husband and I have checked with child support XXXX county recorders office and our credit reports ... There are no liens. This man is a monster and may be taking further legal action against him.