Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
It was brought to my attention this morning via my realtor that the loan officer was in contact with the seller regarding this loan. My realtor informed me that she was on a conference call this morning and heard for herself Some very slanderous and unprofessional things said to directly defame my character and sabotage the loan on the sellers end. Also in addition to my loan officer commenting on how he was purposely delaying the closing. My realtor also informed me that the loan officer told the seller my personal information, that he was not authorized to, and has also neglected to provide my realtor with important time sensitive information. She assured me that she would be putting in a complaint as well but she does fear that the XXXX XXXX team would possibly respond negatively. She is afraid that they will immediately sabotage the loan. It is definitely evident that the loan officer and his team has been trying to find reasons and ways to deliberately defraud my character and loan. I was advised to reach out to you, ( XXXX XXXX XXXX XXXX ) regarding. Please find my formal statement below for you to review. I definitely want to close on my loan and I really dont understand why the loan officer is displaying such unprofessional judgment and now personally attacking a veteran. 
To : Compliance Department Subject : Formal Complaint Privacy Violation, Defamation, and Emotional Distress Dear Compliance Officer, I am submitting this formal complaint regarding serious misconduct by XXXX XXXX of Veterans United Home Loans during my recent mortgage loan process.

Specifically : 1. Privacy Violation : My personal and financial information was improperly disclosed to the home seller without my consent. This disclosure is a direct violation of my rights under the Gramm-Leach-Bliley Act ( GLBA ) and other applicable privacy laws. 
2. Defamation ( Slander ) : In addition to the privacy breach, the loan officer made false and damaging statements about me to the seller, which negatively impacted my reputation and jeopardized the real estate transaction. 
XXXX. Emotional Distress to a XXXX Veteran : I am a veteran of the XXXX XXXX who is 100 % XXXX due to XXXX. This misconduct has not only caused financial harm but has also triggered severe emotional distress, worsening my medical condition. I consider this treatment particularly egregious given my service and sacrifice. 

This behavior is unlawful, unethical, and discriminatory in its impact. It has caused me significant harm, including : Financial loss ( possible loss of earnest money, additional housing costs if any are accrued ). 
Reputational harm in my real estate transaction. 
Emotional and psychological distress directly connected to my service-related XXXX. 

I am requesting the following actions : A written explanation and immediate investigation into these violations. 
Corrective action against the responsible employee. 
Written assurance that my personal and financial information will be protected moving forward. 
Compensation for the financial and emotional damages incurred as a direct result of this misconduct. 

If I do not receive a satisfactory response within 15 business days, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. I am also consulting legal counsel regarding potential civil action for defamation, breach of privacy, and damages related to emotional distress. 

Please treat this matter with the urgency and seriousness it deserves. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation