Consumer complaint received 2023-06-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Approved Mortgage Source, LLC (FL)

Approved Mortgage Source , LLC was the Lender that I used in order to purchase a primary property through a VA Loan. On XX/XX/2023 was the closing of my home at the XXXX XXXX XXXX office in XXXX, Florida. The Closing Disclosure that i signed at closing day stated that I had to pay {$240.00} as " Cash to Close ''. I paid that amount through a money order. Everything fine. A few days later, On XX/XX/XXXX, I received an email from XXXX XXXX, Operations Specialist at XXXX XXXXXXXX XXXX, attaching a new and updated Closing Disclosure. This new/updated Closing Disclosure was issued AFTER closing day and it has a different Cash to Close amount. The new/updated Closing Disclosure was issued in XX/XX/2023 and states that I should have received a Cash to Close payment in the amount of {$1400.00}. 

For the past month, my wife and I have been trying to get help with this matter and neither party can respond where the money is. First, I personally contacted XXXX XXXX XXXX. The employee stated that they were not responsible for mailing the check. She stated that it was the Title Company or Approved Mortgage Source responsibility, and advised me to contact them directly. On XX/XX/2023, I authorized my wife to contact Approved Mortgage Source main office number ( since my Loan Officer is no longer a part of AMS ) and she spoke with XXXX XXXX, production manager. She explained to him the situation and he proceeded to emailed me the contact information of three Loan Officers ( even ccd them in the email ). I answered to the same email explaining my situation, I attached closing disclosures and copy of the money order, and I didn't received any response. 

Since I didn't received a response back. On XX/XX/2023, I personally contacted Approved Mortgage main office. At this time I spoke with a woman named XXXX. She said that Title was responsible for those funds. Since I live super close to the Title company, I immediately visited the Title office. The Closer XXXX XXXX told me that she doesn't have the funds and that she was not responsible for a Closing Disclosure that was updated AFTER closing day. I left the office and contacted XXXX again. I put my wife on the phone because she was the Real Estate Broker in this transaction so she understand the wording and process more than me. XXXX spoke to her that she was going to contact XXXX personally. A few minutes later, she contacted my wife again stating that she was waiting for XXXX to contact her back but that they were working in my case. She said that she was going to contact my wife as soon as she have any updates. On Thursday XX/XX/2023 my wife contacted her and XXXX stated that she was still waiting from XXXX. 

On XX/XX/2023, I decided to contact XXXX again and the XXXX employees that I spoke to stated that XXXX is not responsible for the funds. The same day, on XX/XX/2023 I decided to contact my Loan Officer XXXX XXXX. He said that the servicing department at XXXX is working on the issue and that they were going to contact me the same day. I even responded to XXXX original email but no response either. I don't understand why XXXX employees said that they are not responsible but Approved states that XXXX is working on my case. Unfortunately, at this present time I haven't received any calls or real updates. 

It's been 4 months since I closed on my home and 1 month trying to get a response back and the help on this matter without any luck. I will NOT accept a Closing Disclosure that was UPDATED AFTER closing day stating that I received an amount of money that i haven't.