Consumer complaint received 2021-04-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

I would like to report Cardinal Financial Company for consumer fraud and possibly other violations against consumers. 
They have addresses at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, TN XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. NMLS ID : XXXX and State License : XXXX ( TN ). My originator was XXXX XXXX, XXXX ID : XXXX. They also have many other addresses. 
I was contacted by XXXX to discuss a loan through his company on XX/XX/2021. At the beginning of the conversation, I specifically asked XXXX if the company provided loans to people who are self-employed. He stated they did so I proceeded with speaking to him. We discussed my student loans that are in deferment and he asked that I send him proof via email. I submitted the proof later that night and never heard from XXXX again, not even to confirm he received the email. 
On Monday, XX/XX/2021, I received a packet from Cardinal Financial Company. It had a host of documents in it with XXXX as my originator. As I flipped through the documents quickly to see what they were, I noticed a form for the IRS ( Form 4506-C ) which clearly stated XXXX XXXX & XXXX. I was shocked because I had thought XXXX added in information for a company which was also applying for a loan, sent me some of their documents meaning some of my documents may have been sent to them. I then looked at the 2nd page of the packet which stated Conditions-Borrower Outstanding with Requirements. Throughout this page it was requesting documents for XXXX XXXX XXXX XXXX. 
I immediately called Cardinal and spoke to XXXX at XXXX XXXX. I informed her that I have never had any affiliation with this establishment and asked how it could possibly get onto my application. She didnt have an answer and reached out to the underwriting department, but no one was available at that time to speak with me, so she left a message for someone to return my call. 
At XXXX XXXX, XXXX returned my call and apologized stating he was at lunch. I asked XXXX how XXXX XXXX XXXX XXXX wound up on my application since I never stated I was affiliated with them. He nonchalantly stated, Oh, I just did a search of businesses in your area and put them on there for the application. I was mortified. How can such a practice be ethical or even legal? 
I never spoke with XXXX about much of anything to place on an application and I had no idea he was even filling on out on me. So many things on this application was just placed on because XXXX placed it there. I NEVER gave XXXX permission to fill out an application on my behalf. The day I spoke with XXXX and sent him the proof of deferment for my student loans, XXXX never was in touch with me again ; not even to state he received my email. XXXX was supposed to ask the underwriter if my verification would take care of the student loans being in deferment so they would not count against and NEVER got back to me. The next thing I know, I have a false application filled out, asking me to sign it and requesting documentation. 
After my initial shock of XXXX placing a random business and information on an application I did not authorize him to fill out, I told him that everything requested was in reference to XXXX. He told me not to worry about that we could change it later. Excuse me? Isnt this fraud? I also noticed that XXXX placed that I was the owner of said establishment, that I am married with no dependents, and that my reason for the loan was not as I stated it was for. He just stated again nonchalantly that things put it on my application could be changed later and to not worry about it. 
This company also wanted to charge me over {$11000.00} in fees and then say I would still owe them for a loan that was to be used for THEIR choosing. 
How is any of this legal? I am quite sure if they are audited, you will find I am not the first person they have done this to. I do believe some of the applicants fell for their lies and believed the wrong information would be changed. I would also bet that applicants were denied loans due to the lies of these originators and this companys practices. I also am uneasy because in todays world, a lot of documents, such as applications, are signed electronically and whos to say this is not happening to consumers by this company? 
When I spoke to XXXX on Monday, XX/XX/XXXX, XXXX I had notified her when we first spoke that I would not be continuing with this company, and she stated that the person calling me back would be able to handle that. XXXX claims the company denied my loan due to the student loans. Mighty convenient that I was denied due to this reason AFTER complaining about the fraud that was taking place. I still do not feel comfortable about this company having my information because if you can do such fraudulent activity without the consumers consent or knowing about it, what else is taking place in the organization the consumer doesnt have knowledge of. 
I am formally making a complaint against this company and XXXX since he was the one who physically did the application. I believe he did it on the practices of the company and this needs to stop immediately. Action needs to be taken against the company and anyone participating in this practice because it is beyond being ethically wrong but also illegal due to fraud and Im sure other illegal activities are being done.