Consumer complaint received 2025-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: American Financial Network Inc.
State: FL

Complaint narrative:
To whom it XXXX concern, Please accept this supplemental new evidence : Related CFPB Complaint XXXX : XXXX and XXXX Also Under Review by : XXXX ( submitted XX/XX/year> via email ), HUD ( XXXX  enforcement ), Florida Attorney General ( FDUTPA ) XXXX XXXX Corporate Compliance Loan officers name XXXX XXXX ID XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX : American Financial Network, XXXX ( XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX, CA Introduction This XXXX XXXX formal supplemental submission to my active CFPB complaints listed above. It adds new evidence of ongoing misconduct by loan XXXX XXXX XXXX ( XXXX  XXXX XXXXXXXX ) in the transaction for my property at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The new evidence is dated XX/XX/year>, and shows : A XXXX-week failure to communicate material facts no contact from XXXX XXXX or XXXX buyers agent after XX/XX/year>, and no notice that my last addendum was deemed unacceptable. 

A directive from XXXX XXXX on XX/XX/year> to withdraw me from all future direct communications, effectively cutting off my XXXX communication channel as a self-represented seller with documented accommodation needs. 

A proposal to approve and sign an extension at closing, a coercive tactic that denies the seller a meaningful opportunity to review and negotiate terms in advance. 

Continued reframing of the cause of delay as waiting on title, concealing the buyer-side refusal to execute my addendum the actual barrier to closing. 

New evidence of employer identity misrepresentation suggesting deceptive branding and potential XXXX  disclosure violations. 



Violations XXXX, XXXX, and XXXX XXXX XXXX. XXXX XXXX & Unauthorized Practice of XXXX XXXX XXXX attempted to influence or outright reject my seller-side addendum even though a lender has no legal authority to veto a contract amendment between buyer and seller unless it directly changes the buyers loan terms. This constitutes scope overreach under both XXXX  and CFPB loan XXXX conduct standards and XXXX also be considered unauthorized practice of law under Florida rules. By taking the buyers agents position ( lender will not accept that addendum ) and using it as a pretext to block closing, he directly interfered in matters outside his licensing authority. 



XXXX. Misrepresentation & Coercive Statements Previously, XXXX XXXX falsely stated that I can not sell without a broker release a misrepresentation of Florida real estate law and contractual rights. This statement was coercive, designed to pressure me into actions not required under law, and to align me with the buyers agents strategy rather than maintain neutrality. 



XXXX. Failure to Provide Required Communication Neither XXXX XXXX nor the buyers agent communicated any rejection of my last addendum for almost XXXX weeks ( XXXX XXXX XXXX ). This deliberate nondisclosure deprived me of the opportunity to cure or renegotiate in a timely manner, directly causing avoidable delays and harming my position as a self-represented seller. 



XXXX. Communication Cutoff Directive On XX/XX/year>, XXXX XXXX directed : Please withdraw me from all future direct communications. This action, coupled with his knowledge of the uncommunicated addendum rejection, demonstrates deliberate withholding of material information and undermined my ability to participate meaningfully in the transaction. 



XXXX. XXXX XXXX XXXX, written communication is part of my documented XXXX accommodation XXXX. The XXXX-week silence and the XX/XX/XXXX cutoff from direct communication, following my protected complaints and accommodation requests, constitute retaliatory interference in violation of the XXXX and FHA. 



XXXX. XXXX XXXX ( XXXX C.F.R. XXXX ( g ) ) By coordinating with the buyers agent to avoid execution of my neutral title companys addendum and pushing for a last-minute at closing signature, XXXX XXXX engaged XXXX conduct that XXXX constitute settlement coercion under XXXX XXXX XXXX 



XXXX. Misrepresentation of Employer Identity & Affiliation XXXX XXXX used multiple professional signatures during this transaction XXXX identifying him solely with XXXX XXXX XXXX XXXX XXXX, and another identifying him with XXXX XXXX XXXX, a division of XXXX. Additionally, I received a text message from XXXX at XXXX XXXX XXXX ( a separate company ) stating that XXXX XXXX does not work here and is instead with XXXX. 

This creates consumer confusion and is a deceptive practice that XXXX violate federal loan originator disclosure requirements under XXXX XXXX XXXXXXXX ( g ). 

It raises potential state licensing concerns with XXXX for failing to consistently disclose the correct sponsoring entity. 

Such misrepresentation undermines transparency and XXXX have influenced my decision-making regarding the transaction and the credibility of the information I received. 




Key Evidence ( Exhibits ) XX/XX/year> Email from XXXX : I can submit the extension agreement for approval to be signed at closing if that helps. 

XX/XX/year> Directive : Please withdraw me from all future direct communications Buyers Agent Correspondence ( XXXX XXXX, XXXX  ) : Reframing delay as waiting on title and extension addendum for lender, without mentioning the addendum rejection. 

Timeline & Seller Readiness Log : Documented no communication from buyers agent or lender between XX/XX/year>, and XX/XX/year>, alongside copies of my XX/XX/year> legal notices confirming readiness to close and identifying buyer-side refusal as the only barrier. 

Title Company Emails : Confirming buyer refusal to execute addendum as cause of delay. 

Screenshots of Email Signatures & Text Message : Showing inconsistent branding and employer identity between XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation