Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
This complaint is in relation to complaints filed under reference numbers : XXXX, XXXX, XXXX I am currently in the closing stages of a mortgage with South State bank. Initially, I filed a few complaints on the current lender ( XXXX XXXX ), for XXXX discrimination towards an XXXX American home buyer. The primary stages of my complaint were about not being truthful about the programs offered. While under contract with a XXXX realtor she declined all of her contracts, stating for reasons pertaining to insufficient storm insurance which did not carry a 5 % deductible. The realtor and I both verified the 5 % deductible was valid on both properties we had under contract and still denied the contract. The realtor submitted more properties before going under contract and she declined them as well. She basically gave up looking for properties. I hired a new realtor of XXXX American origins, and she did not seem to understand what she was talking about in relation to the property having a 5 % storm deductible. So, I asked the lender ( XXXX XXXX ) what properties qualified under the program. She forwarded a list of a few houses her banking institution supposedly funded. I selected a property and was told to obtained condominium insurance. Almost two months I paid for insurance on a property that did not belong to me yet and was forced to cancel the insurance. After cancelling the insurance, I was instructed to obtain more insurance with a higher deductible. The initial premium was {$700.00}, and the new premium is now {$1800.00}. Under the impression I would be closing very soon as I signed the mortgage application again. The lender ( XXXX XXXX ) informed me I may not be approved because I make too much money and would have to approve the mortgage application with just a W-2 form of employment rather than utilizing both W-2 's and self-employment job verification. I also received a letter from South State bank I make too much money and would not receive some benefits the bank offered towards first time home buyers. I recently discovered some of South State bank programs have no income restrictions. Nonetheless, I was eventually instructed by ( XXXX XXXX ) to file a separate business tax. However, since I am a single member LLC and work both W-2 's and self-employment work my accountant instructed me to file a schedule C with the W-2 's. Since XXXX & XXXX taxes were filed during those previous years, I could only file an amended return for both years. My accountant filed it within 24 hours. Upon submitted the amended returns to ( XXXX XXXX ), she immediately forwarded a message to have my accountant endorse it with a wet signature with time and date. Her response was very awkward to me to have it signed by the preparer which displayed his full name, business entity, address and phone number on the header and footer of the financial documents. Why would he need to endorse it for? Although, my mortgage application pre-approval took place last year and qualified for the last two years XXXX & XXXX the lender ( XXXX XXXX ), requested for a business simplicity form for XXXX. My accountant communicated with XXXX XXXX XXXX ) and did compose a business simplicity form for XXXX. He was instructed to endorsed it with a wet signature as well. Which he did. XXXX XXXX instructed me and the current realtor she can not move forward with the closing unless she matches the amended returns with the transcripts. Which can take up to 16 weeks to process. She is aware it will take than long to process and keep asking me to verify if it is completed yet. The closing was pushed back a few times already. We have another closing on XX/XX/XXXX. We all know it's not going to be closed tomorrow. Two days ago, she uploaded a mortgage application with the titled company and all the closing fees as if we are going to close on the deadline. I did notice an increased in closing fees increased up to {$10000.00}. I was approved for 100 % financing. I asked her where is the financing. Her response was ( The 100 % financing is what we have you approved on, it is 100 % of the purchase price ). A bold insult to my intelligence. This is XXXX discrimination at its finest. I would like to have another lender of my peers from South State bank take over the closing. The manager XXXX XXXX overlooked the issue with his employee and failed to accept the validity my complaints which were all valid thus far in regard to XXXX discrimination. I am requesting to have an experienced XXXX American South State bank lender take over the closing immediately.

Company response to consumer: Closed with explanation