Consumer complaint received 2015-08-21
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: ACOPIA CAPITAL GROUP (GA)

XX/XX/2015Re : Formal Complaint of Mortgaged Fraud, Theft by Deception and TheftThe Real Estate CommissionOn XXXX XXXX, 2015, the following person ( s ) or company defrauded me into signing a document that the seller can keep my earnest funds of {$1000.00}, please read the following : XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, loan XXXX XXXX XXXX - NMLS # XXXX, ( XXXX ) XXXX, convince me into doing my loan if I allowed him to do my taxes for two years that I must allow him to do my loan with his company ... Acopia Home Loans, the loan was schedule to close on XXXX XXXX, 2015, and XXXX XXXX called me two days before the closing on XX/XX/2015, and stated that his company had a conflict of interest because he did my taxes and charged me {$450.00} for an appraisal. Note : XXXX XXXX admitted that he has done other clients taxes and loans through Acopia and never had a problem ... I received a call from XXXX XXXX on XXXX XXXX, 2015, he stated it was n't because of your taxes ... It was because of your self-employment the other clients were W2 's however, I received a denial letter stating a " Conflict-Of-Interest. '' It is believed that I was discriminated against this company due to racial profiling. 
The Seller listing agent : New Beginning Reality, XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, GA XXXX, PHONE : XXXX, ext. : XXXX, refused continue with the loan process until I provided a denial with the statement ... The listing agent then said we will continue the process if you allow us to keep the {$1000.00}, I ask him did he talk to the second mortgage guy at XXXX to see if the loan would close? He stated yes ... I was convince and deceived that the loan would close ... the seller initially ask me to put up {$2000.00}, and they could keep if it did n't close ... I refused and ready to walk away ... but they would n't ... I ask the seller just go forward I CA N'T AFFORD TO GIVE YOU MY MONEY ... I 'M A XXXX AND IT TOOK ME 3/YRS TO SAVE THIS MONEY. 
XXXX Mortgaged located at : ( XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX, TX, XXXX, ( XXXX ) XXXX converse with Acopia and assured the seller that the loan would close and I should allow them to keep the {$1000.00}, because it was a sure thing and that I should request to transfer the files XXXX XXXX - XXXX who promised to close the loan ... XXXX wanted to know if I had any relations with XXXX XXXX on a personal level .... XXXX ask for the appraisal to be in their name and charged me {$300.00}. Note : XXXX XXXX assured that the loan would closed at 100 % and state there were no problems and I should put up the extra and allow the seller to keep my earnest money! 

It is my sincere belief that these XXXX companies conspired to cheat me and made unethical promised to cheat me out of my money. I am a XXXX and barley haveplace to live ... It took me 3/yrs. to work for this money and now it gone ... I 'm homeless and needed this money returned to state over!!! 

Respectfully Request that the following funds are returned the following address : Acopia Home Loans - $ XXXX/Appraisal, Relocation/displacement fees of XXXX, Inspection fee of {$250.00}. - {$1700.00}, XXXX Beginning Reality - $ XXXX/AppraisalXXXX Mortgaged $ XXXX/Appraisal