Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: DynaGen Lending, LLC
State: FL

Complaint narrative:
I refinanced my VA loan through Dynagen Lending and experienced multiple serious issues involving misrepresentation, TRID disclosure violations, attempted backdating of documents, escrow/payoff errors, and now financial harm. 

XXXX. Misrepresentation of Mortgage Payments On XX/XX/XXXX ( the day before my XXXX mortgage payment was due ), I received an email from a Dynagen loan XXXX stating : Do not make your XXXX or XXXX mortgage payments. Youre all set for those XXXX months. 
I relied on this written instruction in good faith. 

2. No Closing Disclosure Provided or Signed ( TRID Violation ) Dynagen reported that my loan closed on XX/XX/XXXX, but I was never provided a Closing Disclosure before closing, never given the required 3-day review period, and never signed a CD at or after closing. I also received no written first payment due date. This is a direct TRID violation. 

3. Attempted Backdating of Closing Documents After claiming the loan closed on XX/XX/XXXX, XXXX informed me a notary would be sent the following week and the documents would be backdated to XX/XX/XXXX. I refused to sign anything backdated. This appears to be an attempt to falsify compliance dates. 

4. Escrow/Tax Handling Errors Dynagen incorrectly told me that escrow funds could be used immediately, even though property taxes had to be paid first. They repeatedly said they would take care of it, but this proved incorrect and created confusion with the payoff to my prior servicer ( XXXX ). 

5. Financial Harm Late Payment and Late Fee Because I relied on Dynagens written instruction not to make my XXXX payment, my XXXX payment to XXXX was made late. I was charged a {$290.00} late fee, which I had to pay out of pocket. This is direct financial harm caused by Dynagens misrepresentation and lack of proper disclosures.

6. Failure to Correct Their Own Error When Dynagen later acknowledged the escrow/tax issue, they told me the XXXX XXXX payment was still due and refused to reimburse me or correct the consequences of their own written instruction. 

7. CEO Non-Response I escalated to Dynagens CEO last Friday. He told me he would call me with a resolution by XXXXXXXX XXXX  today. He never called or responded in any way. 

8. Lack of Required Written Responses ( RESPA ) Dynagen has not provided any written explanation, payoff documentation, first payment notice, TRID disclosures, or any formal response addressing my concerns. This violates RESPAs required written response standards. 

Requested CFPB Action I am requesting CFPB investigation into : TRID violations ( no CD provided or signed ) Attempted backdating of loan documents Written misrepresentation of payment obligations Escrow/tax/payoff errors Financial harm ( {$290.00} late fee ) Potential negative credit impact Failure to provide required written responses I can provide : The email instructing me not to pay XXXX Evidence I never received or signed a CD Communication regarding the attempted backdating Proof of the {$290.00} late fee Timeline of events All communication with Dynagen Thank you for your assistance XXXX

Company response to consumer: Untimely response