Consumer complaint received 2015-07-14
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONS LENDING CORPORATION (PA)

XX/XX/XXXX I was put in contact with XXXX XXXX who works for Nations Lending Corporation for a mortgage. I was told that I had to enroll in his mortgage company 's credit repair and monitoring program to qualify. He said as long as I did this I would get my loan. He instructed me to not get any credit cards and to keep paying the monthly fees. For over a year they took the fee every month out of my checking account automatically. The only activity I saw was in XXXX XXXX they put everything in dispute on my credit report. That was the only thing they did. Nothing was repaired at all. Whenever I tried to contact XXXX or his wife XXXX I would have an extremely hard time getting a hold of them. I would leave multiple messages it took days for them to get back to me. When I did get a hold of him he would give me the run around tell me he had to check on something and will call me back. I would n't hear from him again for days to a week. I was given access to their website to check progress they were making nothing would ever change. Which is why I kept calling them for status of my credit and never got any answers other than, not to worry, and reassurance that the loan would be approved as long as I stayed with their company. I received the XXXX pre-approval letter from them XXXX XXXX so I was under the impression things were moving along. I received a XXXX pre-approval letter Apr XXXX and was further reassured. I have all e-mails between XXXX and myself and even the screen shots of their website of my report. They have kicked me off the website. XXXX XXXX XXXX XXXX called me and told me there is a problem with my loan. She said they were n't going to give me the loan after XXXX pre approvals. She told me that XXXX negative strikes showed up on my credit on XXXX XXXX and XXXX on XXXX XXXX. But the last pre approval letter was dated XXXX XXXX, a month after the negative strikes affecting my credit showed up. I reviewed the credit report they sent me and found a strike from the VA for an over payment on a GI bill that was paid in full XX/XX/XXXX. I called the VA they said it should n't have been reported and they do not know why it was. I asked them to remove it but was told there is nothing they could and will be there for 7 yrs. I 'm a XXXX Vet. In regards to this I got in contact with my State Rep XXXX XXXX. His office told me to contact XXXX XXXX who handles all VA issues for Congressman XXXX XXXX. XXXX XXXX conference called XXXX XXXX who handles financial issues for the congressmen. XXXX XXXX said he will contact the VA tofix the issue. XXXX XXXX is contacting the government affairs office at XXXX XXXX XXXX to see if it was possible to get a extension on the Short Sale of the property since the closing date was XXXX XXXX. The other XXXX strikes on my credit report were from XXXX XXXX and XXXX. I handled them right away. Now my credit has been checked too many times and shows up as a negative. I called NLC 's Corprate office with this new info spoke to XXXX XXXX. He told me that I had to fix the strikes on my report to get the loan and did everything they told me to do. I was denied the loan. XXXX XXXX told me to contact XXXX XXXX. who started the whole loan process over again. They were aware of my contract date my time was running out. They waited until XX/XX/XXXX to finish the paperwork and denied me for the loan again. I was told this by XXXX XXXX who is higher up in the company. He told me that this should n't have happened and their agents handled it all wrong, it should have been fixed in XX/XX/XXXX, but I was n't notified. XXXX XXXX damaged my credit and lowered my score. I 'm trying to get an extension from XXXX. No one is approving me for a mortgage. I 'm going to be homeless with my XXXX sons one 's an XXXX, their mom, and a XXXX XXXX. I need more time to get rescored or NLC to give me the loan. We are desperate.