Consumer complaint received 2026-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX, acting on behalf of or in concert with Atlantic Bay Mortgage Group , L.L.C . XXXX XXXX XXXX, requested that I provide bank statements from a non-borrowing family member, my parent XXXX XXXX XXXX, that was not involved or had a role in the loan application process, was not a co-borrower or co-signer. I made it clear to her that their financial information typically would not be required and this was unacceptable due to his rights and privacy concerns. XXXXXXXX XXXX XXXX became very hostile towards me then issued a flurry of document requests that were provided. She kept emailing me requesting more documents and repeated requests for my past 60 day transaction printout that is stamped and signed by the bank for each account that had already been provided.. She stated " there is a reverse mortgage on the property '' that was not on my credit report. I made clear and provided proof I was not a borrower and had no outstanding loans on the property. It appears the following discrimination and retaliation listed below arising from the same transaction was initiated as result : I applied for 30 years FHA financing was pre approved by Atlantic Bay Mortgage Group L.L.C, for {$200000.00} on XX/XX/year>, I went under contract on XX/XX/year>, paid {$500.00} security deposit XXXX Title, on XX/XX/year> {$580.00} appraisal fee, {$100.00} termite inspection, and secured homeowners insurance. Thereafter it appears the lender undertook actions or engaged in retaliatory actions against borrow that may have violated my rights in the mortgage transaction after full disclosure of documents from the complainant requested for underwriting review. Including but not limited to my parent 's deed of trust as a non-borrow with owner interests in our family property on their HELC ; including letters of explanation for any late payments on my credit., It appears, I was also discriminated against due to my XXXX, race, XXXX and XXXX as well, being a single retired African-American female with substantial monthly retirement, social security payments XXXX XXXX was denied consistent or fair treatment and subjected to discriminatory, deceptive or inconsistent practices by lenders. XXXX XXXX Mortgage XXXX XXXX, " Lender '' Case No : XXXX, failed to provide updated or timely clear disclosures about interest rates, fees, and terms after imposing different terms or conditions now requiring 3 months reserves in addition to funds for closing can not be a gift, must be own funds prior to closing on XX/XX/year>. Lender then improperly denied my loan application on XX/XX/year>, falsely claiming, * Lack of Cash Reserves and * Insufficient Funds to Close the Loan after imposing different terms to close on XX/XX/year>. I provided sufficient bank statements demonstrating my ability to close based on XXXX XXXX Mortgage XXXX XXXX, XX/XX/year>, loan estimate I relied on and have been waiting on clear to close, but the lender 's shifting conditions and hostility towards me prior to closing has caused me emotional, financial damage, harm and loss.

Company response to consumer: Closed with explanation