Consumer complaint received 04-08-2015 about Mortgage (FHA mortgage) with National Home Buyer’s Alliance (MO).
Issue: Application, originator, mortgage broker

Complaint: I entered in an agreement with XXXX XXXX XXXX XXXX d/b/a National Home Buyers Alliance ( NHBA ) on XXXX XXXX, 2011. In the first paragraph of the contract it states that materials and information will be provided by NHBA, I have been given any materials stating anything in the contract. In the contract is also states that NHBA has agreed to additional down payment in excess of the 3 % down payment. I have an email dated XXXX from XXXX XXXX ( Customer Service ) at NHBA stating " The money you paid to NHBA is a fee for our services and nothing more. Part of the services is we negotiate to get all of your closing costs covered, appraisal fees, etc so you do n't have to. It 's not money sitting in a bank or anything like that so there is nothing you need to list on your paperwork for them. '' It states in the contract the only fee that NHBA will receive is one month 's gross income or {$1500.00}. Its also states, that if I request NHBA to assist with your credit history ''. I never made that request in written or verbal. My file was assigned to XXXX XXXX, she stated she had run my credit that I was pre approved for {$100000.00}. And just told me what I need to pay off the credit report. I paid and negotiated all my accounts in collections, all NHBA did was sent me letters to sign and I was told to send them to all three credit bureaus. XXXX minute XXXX XXXX tells me that I am ready to purchase and the next minute I have to do something else. XXXX XXXX also stated that I was pre approved with XXXX Mortgage XXXX. XXXX XXXX office is located XXXX as well, she stated that I was denied a loan, not once have I seen a denied letter from a lender of any type.I spoke with an agent at XXXX Mortgage I was told I could not be assisted on home loan because I lived in XXXX. I was referred to your agency by a loan broker at XXXX bank here XXXX. I have spoken with estates, loan officers and brokers who has told me the practices of NHBA are not good and no one that I have mention above wants to work with them, they all say it is a scam. I a really feel like I have been taken for my money. I want my refund of XXXX. NHBA stated in the there in advertisement that NHBA would be able to provide a person with a home in 24 months or less, advertisement radio and flyer, flyer is attached and contract. I was told that they would match what I put in which was {$2300.00}. I would not had given this type of money to NHBA if I knew what I have learned now and the have other complaints from people on the XXXX where NHBA has done the same to others. I am not satisfied with the services or treatment I have received. I still have not purchased a home of today. I do not want to work with NHBA or have anything else to do with this business. Attached are emails from XXXX XXXX and the contract that was sign with NHBA. I am single mother trying to better myself and the life of my XXXX daughters. Because of all the lies from NHBA we are living with relatives. Thank you for any assist that can be given.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation