Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
b"On XXXX XXXX XXXX, I applied for a mortgage loan of XXXX with Navy Federal Credit Union (NFCU).  After that, I was offer NFCUs RealtyPlus program with XXXX XXXX, Real Estate Coordinator, which gives applicants a realty agent.  In the beginning, I was preapproved and looked forward to approval with XXXX XXXX XXXX as my Loan Officer at NFCU     XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida 3XXXX XXXX XXXX said my income did not meet requirements.  Disappointed, but accept the denial and mentioned I would try an XXXX with my FDIC bank.  That is when XXXX XXXX told me she could speak with underwriting on my behalf and I accepted the kind gesture. XXXX XXXX  called me and stated Underwriting approved, but for less asked with an increase in down payment.  This happen a couple of times until the loan was XXXX XXXX XXXX  down payment.  I wanted my own home, had the funds, so I accepted that offer.  I was not pleased with the XXXX XXXX agent, so I search for an agent myself.  Highly recommended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX and I spoke when I told her about the issue with NFCU and my home-shopping experience.  I explained to her how overwhelmed I was, and I wanted a house yesterday.  She assured me she was the one to get it done.  No worries, she said.  I was pleased and let her do her thing while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  She immediately she took over within a couple of days, I had entered into a contract. She was good. XXXX XXXX had scheduled the house and plumbing inspections on the same day, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had performed, and XXXX XXXX whom oversaw the plumbing inspection foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX  Between times, XXXX XXXX would call to narrate the forms and documents, give me the opportunity to answer the questions while she would mark my respond.  In XXXX XXXX XXXX introduced to me XXXX XXXX XXXX XXXX as loan officer assistant and XXXX XXXX XXXX  as mortgage processor.  A day or two after the inspections, XXXX XXXX told me the home inspector reported typical cracks, so I put the appraisal on hold.  Moving on, my time with XXXX XXXX  was short and confusing because there was not much he had done besides verified what XXXX XXXX had covered.  Once XXXX XXXX  came aboard, problems with the figures begun to arise as we moved on. XXXX XXXX XXXX XXXX XXXX was willing to revisit the typical cracks for further evaluation.  Soon, XXXX XXXX called me to review three pictures of the typical cracks XXXX XXXX had taken, which looked harmless.  I should have gotten a second opinion.  After that, I contacted XXXX XXXX to proceed with the appraisal.  Later, I learned the fee had increased from XXXX XXXX XXXX.  I spoke with XXXX XXXX XXXX XXXX XXXX over the phone about the fee increase, but nothing changed, until I questioned it and refuse to pay the increase is when XXXX XXXX had a nervous breakdown and hung up on me.  Shocked by her action, and not happy with the total payment, so I emailed her supervisor, XXXX XXXX XXXX XXXX  mortgage production supervisor whom called me to discuss the matter.  I told her the issue and she explained the reports and figures were not the final, only an estimate.  Afterwards, she emailed me, but omitted our conversation.  In addition, I continue to refuse the appraisal increase. XXXX XXXX had suggested I move on from NFCU, which I agreed.  Later, instead XXXX XXXX volunteered to pay the appraisal increase.  She had asked me, but I declined her offer.  However, XXXX XXXX sent an email stating I agreed to let XXXX XXXX pay the increase.  Not true, but I moved on.  XXXX XXXX  was the first closing date, but it was delayed for the typical cracks.  On this day, XXXX XXXX uploaded a Closing Disclosure (CD), but I did not have access to the XXXX so I asked her to email the file.  Instead, she granted me access to the portal.  I did not have that privilege with XXXX XXXX.  Nevertheless, I print the file then called XXXX XXXX like her email stated, but she was out of the office, which the same for XXXX XXXX with anyone else, they could not assist.  Neither of the two Representatives contacted me regarding the document, but the Closing had been rescheduled foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  the appraisal was completed. Again, no one I can consult.  On the XXXX I received two Closing Disclosures: One from NFCU that stated XXXX XXXX XXXX but only contained a Closing Disclosure: the other from the Closer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA  XXXXXXXX XXXX XXXX XXXX, which I love.  However, I was disappointed with the CD from NFCU so I tried to contact them for assistance.  But again, there was no one to help consult with me.  I sent a frustrating email and then the receiver reply she referred me to resolutions, and she did, but no responded until after the settlement.  On the other hand, I was so excited I did not know which way to turn.  I took from work and waited XXXX  Napped too long, at XXXX  I went to the bank for the down payment.  Then with check in hand, I left for XXXX XXXX XXXX XXXX XXXX XXXX  where the settlement was to take place.  I was the first to arrive. XXXXAt the XXXX, I met and sat with XXXX XXXX XXXX XXXX XXXX XXXX  She mentioned waiting for the others to arrive and asked me if the down payment.  I presented the check and handed it to her.  She said she was going to copy it.  She returned with the copy and then asked me if I wanted to start, even though the others had not arrived.  Ready, set, go!  I am about to be a homeowner!  I said, yes and then XXXX XXXX opened a XXXX XXXX XXXX XXXX with legal sized papers inside as large as a realm, and the Disclosures were on top.  I asked her why it is two different Closing Disclosures.  A bit confessed by the question as she looked at the files, said it was not hers and shed find out.  She said she would call my agent, and then left the room.  A couple of minutes later, XXXX XXXX arrived.  She walked in and asked me what the problem was.  I told her there are two CDs.  That is when she used her mobile phone and called the XXXX XXXX XXXX XXXX XXXX  put her on speaker and told XXXX XXXX  I wanted to know why there were two XXXX XXXX XXXX seemed confused and asked what was I talking about, and then XXXX XXXX had explained.  Once XXXX XXXX clarified and XXXX XXXX  understood, XXXX XXXX she said, one for me; and the other, for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX   Because of the email she had sent subject Buyers CD, I was confused, so XXXX XXXX called NFCU and spoke with XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX SC 29XXXX.  The professionals informed me the CDs were normal and asked me what the difference is.  Fill with excitement of owning my own home, with it so close that I was speechless.  Besides the Loan ID number and XXXX XXXX XXXX XXXX XXXX  to me, I had no clue.  Anyway, we continued, but I was not allowed to sign their files, so they were set aside.  We moved on with signing as my agent, XXXX XXXX  sat silently.  After signing the documents in the folder, there were a few more files XXXX XXXX had retrieved for me to sign before dismissing.  It looked like the kids in the office had completed the last forms.  Nevertheless, afterwards, XXXX XXXX XXXX XXXX XXXX XXXX  her copies.  XXXX XXXX left the room to make the copies.  She returned, handed me a folder that had a very small percentage of papers from that I signed with only one bearing my signature: the Closing Disclosure; warranty deed, deed of trust, notes, and title insurance before we depart. XXXX XXXX handed me a XXXX folder and a key and said she did know who had the other key because there were so many contractors, and then we left.  Afterwards, I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX to update/correct the Loan ID number on the policy because it had been modified without notice.  A dash 1 (-1) had been added.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to get a copy of all the documents I had signed the day before.  The Clerk asked the closing date, I said it was late yesterday, but I was not given a copy of all the documents.  The clerk asked a few questions, I answered and then she left the desk.  My Several minutes passed, she returned with a stack of papers bind with a clip and handed them to me.  I asked her how long it takes for the documents to process.  She said about 6 weeks; I thanked her, and then left.  After I left, I received notification that XXXX had been posted into my account.  I emailed XXXX XXXX about the deposit.  She said the account needed to be open, but not with a XXXX balance in order for the closing parties to be paid.  Instead of getting the information for auto draft, NFCU allowed a deposit.  This was to be auto pay, but no one gave a fuck about making the change or collect auto pay information, not one, not once.  Beside, when XXXX XXXX had read the document to me, I asked her to give me a chance to get the information.  Instead, she told me she would use the NFCU account for that moment, but she marked the external institute for me on the easy pay authorization since I had no access to XXXX  Its seems to be the only document she actually managed honestly.  Nevertheless, XXXX XXXX XXXX I received a message that XXXX had been deposited into my account on the 23XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX, the XXXX XXXX XXXX  I was stunned.  As a member and shareholder, I was never able or allowed to deposit without both my ID and ATM card.  Anyway, I asked XXXX XXXX who deposited the money and she replied someone from XXXX XXXX, but did not state who it was.  I emailed XXXX XXXX whom denied knowing, however she asked me to send the email to verify NFCUs claim on the matter. I left the email in a draft, but I didnt know that until I looked for her reply.  I had been awhile, so I left it alone.  Anyway, the manager at XXXX XXXX XXXX XXXX reiterated what XXXX XXXX had stated that the account could not be empty to release the funds for the professionals to be paid for their service.\XXXXBack to XXXX XXXX XXXX XXXX XXXX XXXX to make the adjustments and she said she could not, I asked her to cancel the policy.  XXXX XXXX, she emailed me that NFCU said there is a typo, but NFCU denied that fact with me.  In fact, on XXXX XXXX XXXX XXXX emailed me contradict XXXX XXXX email that there is a typo.  Regardless, I had looked forward to the correction.  Meantime, I was looking for and expecting my final, legal documents by courier as paid for.  A few days after closing, I started checking XXXX XXXXXXXX XXXX XXXX property link public records for an idea time for getting the paperwork.  Nothing was ever there and it stayed empty until XXXX  Anyway, I begin to reach out to my agent, XXXX XXXX but she told me not to contact her anymore.  I told her all I wanted was what is rightfully mine.  For example, I asked about the contractors warranty we had talked about.  At the time, she said there is one but she didnt know if it was for five or 10 years, she would get back to me.  Days after closing, I asked for the contractors warranty.  Why would she emailed me a XXXX XXXX XXXX in place of when she had me signed a documents that states I declined the warranty.  If that was so, why would she send me anything regarding the matter?  I only wanted what I believe is mine.  I had continued to check the public records until the end of XXXX XXXX   I moved into the home on XXXX XXXX XXXX   In addition, this would be my first payment date.  However, the statement did not reflect a correction in the loan ID liked I had hoped, so I called NFCU, but no one could help or had permission to change it, but state they sent emails to the right personnel, but no one responded.  It was weird because I could not get a representative outside of XXXX XXXX XXXX XXXX XXXX  Florida XXXX  location no matter when I had called.  During the month of XXXX, collections had started calling, but no one could make changes.  In fact, I had spoken with a NFCU collections agent for nearly an hour, if not longer.  She had listened but could not help in the way I needed.  She said, she worked in collections, but she would email personnel.  I was so frustrated, I started venting to anyone whom would listen, but no one made the change for me to begin making payments.  The calls stopped before XXXX XXXX XXXX  I received two packets for mortgage help with that original loan ID, still without change.  The original ID was given to others in my name, so it went into default under my name.  I had tried so hard to prevent this.  Furthermore, after setting and planning my budget, there is no way I was going into foreclosure.  In addition, I planned to make two payments a month, but not on some someone behave.  Let me apologize for misunderstanding that part.  I am sorry, but not something, I would ever knowingly agree too nor with.  \n\nNevertheless, hoping to move forward, XXXX XXXX XXXX I called NFCU when I connected with man whom was willing to assist me.  He asked me a few questions, went into my account.  While reviewing he mentioned, the CDs so I asked him, why is it two on file.  I asked him to send them to me.  I told him when I had the closing and that I was still waiting for the final documents.  He said let me check your notes.  After he checked the systems notes, he told me he could not help me but he could email the information and contact to one that could.  He was willing and able until after he read the notes, he suddenly lost his ability to help.  I also found the contact was only another brick wall.  Anyway, I received too, another mortgage help by mail, which I would not need or have if the typo was corrected.XXXX XXXX that received an email from mortgage support, not XXXX, with five documents in the attachment.  While reviewing the attached, I noticed the documents had been processed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  I was baffled, because I had been checking public records almost daily with information given to me, and there was absolutely nothing in the system for the house or myself.  Anyway, I checked public records that day, and nothing was there, still.  Again, I would not need mortgage assist, had NFCU simply changed the Loan ID to that which I had signed, we would not be at this point, greedy.XXXXLater, I received mail postmark date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that contained a Questionnaire for Confirmation dated XXXX.  It has my name and the address, but thXXXX XXXX XXXX XXXX is different from the paperwork given to me, the Last Deed Book is/isnt correct depending on which deed you are looking atXXXX XXXX XXXX XXXX, I came across two letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they are a debt collector.  And one otherXXXX XXXX XXXX that the house for sale on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received two more letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the house is for sale on JXXXX XXXX XXXX  At this time, reality kicked had XXXX XXXX XXXX XXXX XXXX so after the New Year, I called the XXXX XXXX XXXX XXXX XXXX to inform them their client had been sending me the wrong bill, but no one answered.  I wished I had used mortgage.  Anyway, I left a couple of messages, but no one respond until XXXX XXXX XXXX5.  I had hoped for Q&A from the firm, but like NFCU, I was ignored. XXXX XXXX XXXX, a man came by, stated he represented the new owner/s.  He said he had no idea of the matter between the lender and me, but he had to take pictures of the damages and evidence the house was occupied.  He asked first, and then took a picture of my feet while I was standing in the door and then he left.  I believed he was videoed the entire encounter.  After he left, I checked XXXX XXXX to see the new owners, but again, nothing was there.  I had told him NFCU was tripping.  My hope was failing gravely. XXXXThere was no hope that NFCU would correct the typo so I considered legal help again.  I called a several firms, including those given to me in my area from you, but it was hard until I contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Distance away, but they were the first to offer assistance.  I had taken their next available, and met with XXXX XXXX who heard my story and copied my documents to review.  Afterwards, I realized I had first contacted the XXXX XXXX but followed up with XXXX.  Regardless, I was grateful.  On XXXX XXXX XXXX, I saw an email from XXXX XXXX that my case had been closed.  I replied with disappointment because I just want the correction before I make payments I signed for.  I thanked her for the consideration.  The next day, XXXX XXXX I checked public records to see had the house sold.  Indeed, it had but the day before instead, which took away my last chance to request the typo be corrected and pay the balance due.  According to the data, it sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe day before and purchased by the sellers agent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  I printed it.  XXXX XXXX, I went to the Tax Assessors office in XXXX  to obtain my records.  My only possessions are the copies given to me XXXX XXXX XXXX  Also what I had received the day after, XXXX when I went back to XXXX XXXX  that was bind by the clip. Anyway, I asked to pay the taxes and for homestead.  I spoke with several representatives in different areas for the purposes.  Regarding the taxes, it was paid by the seller, but NFCUs tax statement states they paid in XXXXXXXX XXXX  She told the truth and public records confirm her.  I didnt know to print at that time, and it was no longer there after updates.  However, I was told I had to register my vehicle to proceed with homestead, but I needed to go to the Tax Assessors office in XXXX to do so and the deadline for homestead was the last business day in XXXX.  And I need a copy of the deed, which I did not have on hand so another representative printed it, with homestead information sheet and handed it to me.  I was surprised because I was told to check public records but absolutely nothing is there for the house or me when I review the information system.  It too had been processed on XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The next day, I went to XXXXXXXX XXXX XXXX XXXX to register and apply, but there were minor issues with my credentials in the previous state that took a few days to resolve, but I managed to register my vehicle and update my drivers license.  Unfortunate me, I took too long because on XXXX XXXX XXXX someone placed a document on the door dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the house had been sold on XXXX XXXX XXXX  to the NFCU which was the highest bidder.  I am nuts because I thought they were the owners until I pay it off anyway.  NFCU said they would not sell and will always manage the loan.  This was extremely disturbing because XXXX XXXX XXXX XXXX  public records and NFCUs claims contradicts each other, so on.  I had tried again to find help, but was unsuccessful nearby.  Believing this was just a billing error; I did my best to put it together and filed a complaint against NFCU with CFPB.  At first, I mailed the complaint packet on XXXX XXXX XXXX  CFPB received it on the XXXX according to the status.  I saw an emailed from CFPB asking for more information, so I had called them.  From the call, my understanding was CFPB preferred a PDF file instead, so I did my best and believed I had sent the entire packet via CFPBs portal.  According to their records, I submitted the report on XXXX XXXX XXXX  That same day, I submitted the requested information with CFPB, a man visited and handed me a manila envelope with a court summons inside to appear XXXX XXXX XXXX before XXXX XXXX XXXX  There was no time listed, but on that day, I called the courts and learned it started at XXXX  I was told I had time to get there before it ended, but the session was over by the time I had arrived.  I asked about rescheduling when I was told to contact the filing attorney, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I did not.  I so buried in neglect and rejection regarding my first home purchased in accordance, but cannot get that what is requires and expected. XXXX XXXX XXXX I had received four courts-summon reminders form MRLP to appear for Unlawful Entry and Detainer on XXXX XXXX XXXX XXXX XXXX In addition, a court summons from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  On the XXXX, no one representing the plaintiff appeared, but an attorney for XXXX XXXX was asked to step in for them.  Most likely familiar with the process, but not my case, he was given a briefing.  Next, he asked me to speak outside the courtroom.  We went into an office in the hallway to talk.  He asked me did I have any money to pay.  I told him I wanted an attorney.  He said we had to go before the judge, the XXXX XXXX XXXX XXXX.  We returned to the courtroom where I had received a court summons to appear for a motion to set hearing on XXXX XXXX XXXX XXXX  I was given a piece of paper and left.  I submitted a complaint on the Debt Collector with CFPB.  According to the email, CFPB received it on XXXX XXXX XXXX  Between times, I am seeking nearby assistance, but failed to obtain a counselor in time for the hearing.  While in the portal, I saw NFCU had responded, but it was dated XXXX XXXX and case closed promptly.  On the XXXX while collecting the Closing Disclosures to take along for evidence, realized there are two Deeds, trust and a warranty.  For the first time, I saw it was far more than a billing error and the Loan ID was more than a typo, it was criminal.  I included the deeds for evidence.  File in hand, I left for court on the XXXX XXXX, I left for court.  Again, no one was there to represent the plaintiff, and again, XXXX XXXX XXXX filled in for the plaintiff.  The process went the same way, but this time while in the office, the attorney was agitated with me and refused review the reports.  I told him there was a deed of trust.  He inquired, didnt you just sell a house.  I said no, purchased.  Bothered, he told me to get an attorney, he was only filling in. otherwise I until XXXX XXXX to vacate the premises.  I asked if he could me XXXX XXXX XXXX XXXX XXXXo find a place and relocate, which I believed this had been my last time.  Besides, it is not my fault.  He said he would make some phone calls, but doubted I would get the time I was asking and I needed to reconsider.  Then I asked for 30 days, and then he made the call.  While still on the call, he told me I had until XXXX XXXX XXXX and verified it the receiver.  We went back into the court where I thought I had one last chance to present the information, but it was not considered or an option.  The attorney asked the court to change the paper from justice to county.  Instead, it was crossed out, initialed, and copied for me.  I was given the piece of paper and as I was leaving, the acting attorney, for NFCU had walked with me outside the courtroom while constantly reiterating, Get you an attorney like yesterday.  I was upset because that made me felt he knew there is a problem, but he was not direct, which I need to understand.  Anyway, I heard him as I left for, what I thought was my home.  When I got there, I took heed to what I said.  XXXX XXXX XXXX I started searching again for an attorney.  While doing so, I received two copies of the order to go from XXXX XXXX XXXX by mail.  They were stamped and signed, but the case numbers are inconsistent.  The two numbers on the order itself does not match.  In addition, the letter attached has a different case number other than those two.  Meantime, I scored an attorneyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom had an opening that day and worked with me given the distance.  XXXX XXXX with the firm had scheduled me for XXXX that day.  She asked me to bring my paperwork.  I got off the phone and begin to get ready.  I arrived and I met XXXX XXXX of course, I mentioned the CDs, but I also had given him the Deeds.  He took notes while I spoke, but the outcome was expected.  I told him I filed a complaint with CFPB.  He told to file another, and then I told him nothing would change, but I will follow up with feedback before the deadline.  I gathered my things to leave. XXXX XXXX was respectful and helped with my loads.  At the door, I thanked him as he returned the gratitude. \nHere's what I discovered since XXXX XXXX XXXXTypo is criminal \nNFCU denies the facts there are several accounts identify me. NFCU tells XXXX XXXX  is a typo emailed from the firm. NFCU tells me no problems but continues to commit XXXX XXXX, the Day Of Settlement: Given five filed. Only one file bares my signature. No seals where required\n0XXXX, The Day After Settlement: XXXX XXXX XXXX XXXX XXXX files unknown buyer labeled in; my copy dated XXXXXXXX XXXX XXXX does not have the buyer listed; buyer unknown to me. Declaration of Acceptance has two buyers, seller and I; contract date XXXX  Tax Proration and Settlement Agreement. Master Settlement Statement has two pages of page 2 of 3 to incorporate sellers signature, and two pages of page 3 of 3 with two different Settlement Agents. Uniform Residential Loan Application-Lender Loan Information, trust information.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX denied me access: Loan Officer read the documents before uploading to the portal. My only options were to agree, accept and sign, after that it depend on the document level of access, if any, it would be uploaded and then I could print. XXXX XXXX XXXX XXXX granted access. Files and form never load and/or never available. Closing document were never uploaded, asked for and received XXXXXXXX  Processed, but incomplete and not legalized.\nSignatures, stamps and seals: Signatures appears copy and pasted. If there, signatures mostly not legible or someone elses. Not one seal and stamps are in doubt. All legal documents are incomplete and yet to be legalize.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXReceived court summons with different case no., final order has three different case numbers alone: 2 numbers different on summons and letter attached had a third.  The others before has different case numbers. Received questionnaire for confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; Deed states current address as if it will and could change. House was said to sale on XXXX XXXX XXXX  but actually sold on XXXX  according to county records. Warranty deed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; court summons page XXXX  and Questionnaire for Tax Assessor. CountyXXXX XXXX XXXX installed drains, and alleged sprinklers to all new homes except this one\nInspections\nHouse Call, JXXXX XXXX XXXX XXXX XXXX Limited inspection unable to meet the limits and nothing beyond the scopes of my understanding for having more than 20 years of experiences. Noted crumbling foundation as typical cracks. Could not screw in a light bulb but could dismantle an electric box. Ladder against house but no pictures of roof. Suggest DIY or handyman, never a licensed professional. States attic no access/not visible, but could have taken more/other pictures from the location he took the water heart and AC components. Overcharged XXXX  according to his website; XXXX less XXXX XXXX XXXX XXXX XXXX XXXX 36 second video from cleanout to septic but short from it, only put his line middle ways thru the cleanout, not the septic like he states in his video. Never checked any plumbing connection inside or out; not sinks, faucets, drains, toilets, hookups. Because this house deteriorated so fast, believe a preexisting leak that continues. Paid XXXX XXXX XXXX but sellers/titles CD and Master Settlement Statement say payment to NFCU.\nAppraiser: Report insinuates separate dining. 3 bedrooms, 2 bathrooms with living room/kitchen combo/open concept: report notes 6 rooms, 2 bath; but according to NFCU attachment laundry/bath rooms not included in count, actually has 4 or 5 rooms. Abbreviations sheet missing abbreviations listed in report. Appraised at XXXX  seller listed house as mobile/modular, warranty deed, XXXX  county public records worth  nothing, $XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Information not considered or included for houses value.\nHouse Conditions\nTypical cracks are actually preexisting critical cracks prior to purchase. According to the XXXX, the house was completed XXXX the floor crumbled in XXXX XXXX XXXX XXXX the ceiling began to split and the left rear corner foundation broke off, now slopes outward. Driveway split into XXXX XXXX XXXX XXXX. House split in half from left to right and the foundation slab cracked into pieces. Backdoor improperly installed, when it rains it swells. Windows needs caulking from house shifting. After left rear corner sloped, the common bathroom door needs force to close and toilet rocks back and forth. Preexisting electrical malfunctions and\\or wiring: Laundry room breaker constantly trips. Front and back entry lights does not and never worked; agent noticed the problem. Rear light switch is missing a switch for the back entry light, front switch there but does not work. Breaker switch in breaker box is faulty; breaker box labeled incorrectly\nContract: Modified from original/standard XXXX XXXX contract and incompleteXXXX XXXX Seller: Signed electronically with the business name instead of his own. Declaration he signed as buyer and seller, see Day After settlement attached. XXXX XXXX XXXX XXXX XXXX, the Day After settlement page XXXX, and an unknown buyer was added. Same XXXXXXXX  file from XXXX XXXX in the FXXXX XXXX XXXX XXXX  only my signature\nXXXX XXXX XXXX Agent\nTold me the blank addendums were for security purpose. She applied for a mortgage in my name that I had no idea, see screenshots. After signing the blank addendums, electronic files were not uploaded or for print; told me I would get them at closing, but that never happened. Volunteered to pay the appraisals increase with her commission to keep me in. Never gave me a penny, NFCU listed XXXX XXXX XXXX XXXX XXXX  credit. Carried it out for NFCU using her connections for an increase in commission. Immediately after closing told me not to contact her anymore. Allowed her inspector connections to overcharge me and present insufficient reports and performances. Not limited because there are others I have missed. Is anything legal in this case? I begged for change to pay my bill, but now I know why no one could help me: all those accounts and documents are not legit, but my money was. I need a home"

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