Consumer complaint received 2024-11-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Neighborhood Assistance Corporation of America ("NACA")
State: TX

Complaint narrative:
On XX/XX/24, I met all qualifications and conditions for the Neighborhood Assistance Corporation of America ( NACA ), to submit my member file to their NACA XXXXt in AmericXXXX Mortgage Product underwriters, who work in partnership with XXXX   XXXX XXXX ( BOA ) in pre-approval, approval, and funding at closing. That same day, my NACA housing XXXX in XXXX, TX, sent my completed filed to their underwriting department. At XXXXXXXX XXXX XXXXn XX/XX/24, from email address XXXX, I received a text message stating " Qualification Pending. '' Hours later, at XXXX XXXX, I received the following message from the same email address : " Not Qualified - Conditions. '' I attempted to access my paid NACA member portal, but was blocked with a full screen message mandating that I meet the condition as follows : " Pay {$7.00} for each credit report and provide bank records for all adult household members over the age of XXXX. '' I immediately rebuked and in email informed XXXX XXXX that this is a discriminatory practice which violates my rights under the Equal Credit Opportunity Act ( ECOA ) due systemic and cognitive bias due to source of income bias. My source of income is government funds, and I am on the HUD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, this condition violates my rights under the Fair Housing Act ( FHA ). In berating emails, XXXX XXXX threatened to cancel my membership for being combative. She made it clear that she determined that I'm being combative for knowing, citing, and invoking my federal protections. For this reason, I filed a Federal Trade Commission ( FTC ) complaint against NACA. However, the FTC decided to forward my complaint to the CFPB against XXXX, seemingly because NACA and XXXX work in partnership on funding the mortgage. Today, I received a call from XXXX XXXX XXXX XXXX XXXX Department regarding my complaint against NACA and its XXXX XXXX XXXXXXXX Mortgage Product ( XXXX ) funded in partnership with XXXX. The caller provided a name and contact information for representative XXXX XXXX ( this spelling is my interpretation, based on how the slurry message sounded ), phone # XXXX ext. XXXX. However, when I called, the voicemail message said that I must have a XXXX  account number, to identity me. This is a number I do not have. With this knowledge it is clear that the FTC 's complaint forwarded to the CFPB, is impossible to resolve through XXXX  because NACA 's underwriters are blocking my file from being processed by XXXX. For this reason, I'm filing this complaint against NACA, hoping that they will remove the discriminatory condition. XXXX XXXX said in an email that because this discriminatory condition applies to all household members over the age of XXXX, that it is not discriminatory. Nothing could be further from the truth. Especially considering, that the condition has since disappeared from their list of qualifications, yet I am still being subjected to the condition and mandated to adhere to it in order to proceed in the qualification process. It is federally unlawful for a mortgage lender or a company accepting federal funding to require as a condition for qualification, that the borrower 's non-borrowing adult household members who are also not co-signers for a mortgage loan, to be required to submit to a credit and banking record check, the results of which will be counted against the creditworthiness of the borrower. This condition is a violation of both the XXXX and the FHA. See Complaint ID XXXX for additional information.

Company response to consumer: Closed with explanation