Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Neighborhood Assistance Corporation of America ("NACA")
State: TX

Complaint narrative:
Subject : TRID ( TILA-RESPA Integrated Disclosure ) Violations & Misrepresentation in Mortgage Process Details of Complaint : I, XXXX XXXX XXXX am filing this complaint regarding serious concerns with the mortgage process I underwent with NACA, in partnership with XXXX XXXX XXXXXXXX XXXX During the loan application and closing process, NACAs handling of my mortgage led to violations of TRID requirements, which negatively impacted me financially and caused undue hardship. 

Specifically : I did not receive timely and accurate Loan Estimates ( XXXX ) as required under TRID guidelines.

My Closing Disclosure ( CD ) was not provided at least 3 business days prior to closing, violating TRID disclosure timing rules.

There were material discrepancies between the initial LE and final CD, with costs exceeding allowable tolerances without proper re-disclosure.

NACAs miscommunication and delays contributed to these compliance failures, which appear to violate both TILA and RESPA provisions.

As a result, I suffered financial harm, including [ insert specific harm : unexpected closing costs, delayed closing, etc. ].

I am requesting the CFPB investigate NACAs role in these TRID-related violations, along with the conduct of XXXX XXXX XXXXXXXX as the lender in this matter.

Resolution Sought : A full investigation into NACAs practices related to TRID compliance. 
Financial restitution for damages incurred due to improper disclosures and delays. 
Enforcement actions to ensure proper mortgage disclosure practices going forward. 
My email to ceo : Dear XXXX XXXX I trust this message finds you well. I am writing to formally convey my decision to terminate my engagement with Naca 's mortgage services due to a series of unfortunate incidents during my interactions with my assigned counselor, XXXX. He was late to initial meeting due to extended lunch, which indicate he doesnt respect my time. He went over uploaded documents for 30minutes and did not explain the program to me at all. I did not receive any guidance and communication was non-existent and poor. He spent more time explaining the program to Spanish speakers than he did with me which reflects poorly on Naca image/reputation. He never wanted me to be qualified for the property I wanted based on his attitude, communication, and demeanor. 

The challenges I encountered encompassed a language barrier, disrespect, and what I perceived as unprofessional business practices. Despite my attempts to address these concerns by reaching out to the regional manager and copying you in my communication, regrettably, no corrective actions were taken. 

XXXX 's conduct, characterized by dishonesty and unfulfilled promises, significantly impacted my experience and well-being. His vindictive and spiteful behavior added undue stress to an already challenging process. In light of these issues and my preference for a more reliable and reputable lender, I have chosen to secure my loan through XXXX XXXX XXXXXXXX. 

Consequently, I am formally terminating my association with Naca 's mortgage services, effective immediately. I appreciate your attention to this matter and trust that you will take appropriate measures to address the issues raised. Thank you for your understanding. I have submitted various reports to FCC, UCC, CFPB & XXXX  for deceptive business practices and understaffed/undertrained/incompetent mortgage counselors. This is a non profit but the level of professionalism and morality reflects poorly on the entire company. The government since you are under 501c should be notified since you are getting government funds and treating consumers poorly. Thank you for your services! 

Sincerely, XXXX XXXX Former Member XXXX

Company response to consumer: Closed with explanation