Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: eMortgage Funding LLC
State: IN

Complaint narrative:
From : XXXX XXXX Date : XX/XX/year> Subject : Formal Complaint against XXXX XXXX ( NMLS # XXXX ) regarding Refinance Application Executive Summary I am filing this formal complaint regarding a pattern of predatory behavior, lack of professional transparency, and potentially fraudulent advice provided by Executive Loan Officer XXXX XXXX. These actions have resulted in financial risk to my primary residence, unauthorized pressure to alter my retirement distributions, and potential damage to my credit score. Detailed Timeline of Events ( XXXX ) XX/XX/XXXX : Initial contact with XXXX XXXX. I explicitly expressed concerns based on a previous poor experience with XXXX XXXX. XXXX XXXX assured me this would be different and claimed I was " approved, '' prompting me to pay for an appraisal immediately. XX/XX/XXXX : Provided Homeowners Insurance declaration page as requested. XX/XX/XXXX : Sent multiple status inquiries. Received zero response. XX/XX/XXXX : Informed XXXX XXXX via text that I suspected fraud. I contacted XXXX XXXX separately to verify legitimacy. Within an hour of XXXX XXXX contacting XXXX XXXX, he texted apologizing for the delay and promised a phone call " this afternoon '' to explain the situation. That call never occurred. XX/XX/XXXX : XXXX XXXX explicitly instructed me not to make my XXXX mortgage payment. Based on his professional standing and " approved '' status, I followed this advice, which has now placed my current loan in jeopardy of delinquency. XX/XX/XXXX : After further silence, I sent a final warning via text. I was then contacted by a third party for more documents, which I provided immediately. XX/XX/XXXX : XXXX XXXX claimed documents ( IRA, Bank Statements, XXXX Taxes ) were missing. I resent all documents immediately. XX/XX/XXXX : I confronted XXXX XXXX regarding the high-pressure and " shady '' nature of the operation. He again asked for IRA documents I had already provided and displayed a fundamental misunderstanding of the financial documents in his possession. XX/XX/XXXX ( Today ) : An individual named " XXXX XXXX called requesting that I authorize an additional {$1500.00} monthly withdrawal from my IRA. The stated reason was that the underwriter could not approve the loan due to my HOA fees. My HOA fee is only {$130.00} per month. Primary Grievances 1. Instruction to Skip Payments : Advising a consumer to skip a mortgage payment before a new loan has funded is a violation of standard industry ethics and can lead to foreclosure or severe credit damage. 2. Bait-and-Switch Approvals : Claiming " approval '' to secure an appraisal fee, then failing to communicate for weeks at a time. 3. Unjustified Financial Demands : The request to withdraw an additional $ XXXX from a retirement account to cover a $ XXXX fee is mathematically absurd and suggests an attempt to artificially inflate income or predatory " equity stripping. '' 4. Failure of Fiduciary Duty : The constant loss of documents and refusal to answer direct questions has caused significant emotional and financial distress. Requested Resolution 1. Immediate written clarification of the status of this loan. 2. A full refund of the appraisal fee due to the deceptive nature of the initial " approval. '' 3. Formal documentation from the lender to my current mortgage servicer explaining that the missed XXXX payment was at the direction of the loan officer, to mitigate credit damage. 4. A formal investigation into the licensing and conduct of XXXX XXXX ( NMLS #

Company response to consumer: Untimely response