Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AAA CAPITAL INVESTMENT, INC.
State: CA

Complaint narrative:
I purchased a home, and my loan closed at the end of XXXX. The loan agent involved in this transaction was XXXX XXXX. While XXXX XXXX initially appeared cooperative and professional, I later determined that material information was concealed or misrepresented during the loan and closing process, resulting in significant adverse financial consequences. 

The agreed purchase price of the home was {$720000.00}, and the separate purchase price of the solar system was {$24000.00}. 

Prior to closing, when I requested the escrow documentation for review, XXXX XXXX sent me an image via text message that clearly reflected these XXXX amounts as separately itemized costs. 

However, the documentation XXXX XXXX provided to the escrow office materially differed from what she presented to me. Instead of disclosing the house purchase price and the solar system purchase price separately, she combined the XXXX amounts and represented the total of {$740000.00} as the house purchase price alone. 

As a result, the closing documents inaccurately reflected the transaction by concealing the separate solar system purchase price and mischaracterizing it as part of the real property purchase price. This misrepresentation was relied upon by the escrow company and subsequently recorded, despite my prior request that the solar system price be properly and separately disclosed. 

As a direct result of the misstated purchase price reflected in the recorded closing documents, XXXX XXXX clerk issued my property tax assessment based on an incorrect purchase price. The countys assessment relied entirely on the information recorded from the closing documents provided to the escrow office, which originated from XXXX XXXX. 

I did not become aware of this error until XX/XX/XXXX, when I attempted to make my property tax payment and noticed that the assessed value was inconsistent with the actual house purchase price. I then contacted XXXX XXXX clerks office to inquire about the discrepancy. XXXX XXXX clerk XXXX advised me that their office relies solely on the recorded closing documents and instructed me to contact the party who provided the closing documentation to the escrow office in order to correct the error. 

Prior to my engagement of her services as my loan agent, XXXX XXXX communications were professional, responsive, and cooperative. However, once the transaction closed and issues arose concerning the accuracy of the closing documents, her demeanor and responsiveness changed materially. 

When I contacted XXXX XXXX to address the error arising from the misstated purchase price in the closing documents, she refused to provide any assistance. Despite multiple attempts to communicate via text message and a subsequent phone call, she declined to engage in resolving the issue. During the phone conversation, her conduct was unprofessional and dismissive. She rudely terminated the call while I was still attempting to discuss the matter. 

I am submitting this statement to document the misrepresentation of material information in the closing documents, the resulting financial impact, and the subsequent refusal to assist in correcting an error that originated from the loan documentation she prepared. 

In addition to the purchase price misrepresentation described above, XXXX XXXX also provided misleading or inaccurate information on multiple other aspects of my loan application and processing. 

Attached please find a text message sent to me by XXXX XXXX before closing escrow. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation