Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
SECTION XXXX : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) PORTAL SUBMISSION TEXT PRODUCT CATEGORY : Mortgages/ Conventional Home Loans SUB-PRODUCT : Non-Qualified Mortgage ( Non-QM ) / Self-Employed Bank Statement Loan PROBLEM CATEGORY : Deceptive steering, application manipulation, hidden fees, and dashboard sabotage COMPANY NAME : CrossCountry Mortgage, LLC ( NMLS # XXXX ) OFFENDER REGISTRATION : XXXX " XXXX XXXX XXXX, Branch XXXX ( NMLS # XXXX / Branch NMLS # XXXX ) PROCESSOR AUDITED : XXXX ( Senior Processor ) LOAN ID / APPLICATION NUMBER : FILE # XXXX XXXX. DESCRIPTION OF THE DECEPTIVE AND PREDATORY PRACTICE ( THE STEERING SCHEME ) As Chief Information XXXX and a cybersecurity expert, I am filing an expedited federal complaint against CrossCountry Mortgage for systemic lending fraud, manual application manipulation, and secure dashboard sabotage designed to exploit my prime financial profile ( XXXX middle mortgage XXXX score ). Upon submitting a turnkey application on XX/XX/year>, for a {$430000.00} real estate purchase contract, Branch XXXX XXXX XXXX XXXX XXXX XXXX executed an unauthorized after-hours credit inquiry via CoreLogic at XXXX XXXX XXXX ( XXXX : XXXX ) and initiated an unapproved " pocket lock '' rate structure behind my back. He subsequently held back the delivery of my mandatory initial disclosures for XXXX ( XXXX ) full days until XX/XX/year>, a severe and explicit violation of the statutory 3-business-day TILA-RESPA Integrated Disclosure ( TRID ) mandaXXXX. Behind the scenes, without my knowledge or consent, XXXX XXXX XXXX manually altered verified data fields inside the automated underwriting system ( XXXX ). He trimmed my qualified self-employed business income from {$180000.00} down to {$140000.00} and double-dipped my actual XXXX corporate timeshare liabilities ( {$870.00} combined ) onto my personal debt sheet. This intentional manipulation was executed to artificially inflate my Debt-to-Income ( DTI ) ratio, engineer a conventional loan qualification failure at my agreed 10 % down threshold, and steer me into a predatory, non-conforming product tier. This predatory tier carried an inflated, fictitious interest rate of 8.375 % / 8.75 % saddled with {$4600.00} in unnecessary backend points. XXXX. DATA SABOTAGE, CONCURRENT USER SESSIONS, AND THE GLBA BREACH To keep me entirely XXXX to these backend parameters and prevent me from reviewing my actual loan milestones, XXXX XXXX XXXX and processor XXXX deactivated my secure user credentials and corrupted my consumer dashboard. While executing this digital blockade to suppress my first official Closing Disclosure, my security terminal intercepted overlapping, millisecond-burst Multi-Factor Authentication ( MFA ) codes on XXXX XXXX XXXX XXXX morning. These bursts represent concurrent, unauthorized user session mutations where branch personnel were actively cloning my files and moving files across separate database tracks to force a predatory 20 % down payment requirement ( {$43000.00} extra cash extracted ) right at our contract expiration deadline. This fraud culminated on Saturday, XX/XX/year>, when XXXX XXXX transmitted an unencrypted copy of my updated Uniform Residential Loan Application ( Form 1003 ) containing my unredacted Social Security Number, complete banking assets, and highly sensitive personally identifiable information ( PII ) directly over an open, unsecure public email network, in egregious violation of the Gramm-Leach-Bliley Act ( GLBA ) Safeguards Rule. XXXX. COMPLAINANT 'S COMPLIANCE PERFORMANCE & MATERIAL DAMAGES My financial and documentation execution has been 100 % flawless and turnkey. I cleared my {$650.00} out-of-pocket appraisal invoice within XXXX hours of release on XX/XX/year> ( Confirmation # XXXX ), yet the branch weaponized a XXXX document blitz ( XXXX XXXX XXXX ) claiming the appraisal was missing to stall the closing. This manufactured crisis was used to blame the borrower and pressure my family into liquidating {$18000.00} from my mother 's 401 ( k ) retirement account, causing irreversible tax penalties and permanent compound interest losses. This matter has been escalated to federal and local criminal enforcement agencies. A formal police report has been filed with the XXXX XXXX XXXX XXXX XXXX under Case Tracking # XXXX, and a cyber-tampering complaint is logged with the FBI Internet Crime Complaint Center ( IC3 ) under Submission ID : XXXX. XXXX. Furthermore, the branch XXXX deliberately bypassed clear, positive credit markers already established inside the file. Despite my profile carrying an active rent reporter verifying a flawless XXXX history of a {$2900.00} monthly rental payment with XXXX late remarks, branch personnel ignored this parameter to extend processing timelines. To fulfill the arbitrary, inflated cash-to-close requirements engineered by their XXXX 20 % down payment trap, my XXXX mother was forced into an emergency liquidation of {$18000.00} from her 401 ( k ) retirement account to yield a net {$15000.00} gift fund, as documented in our executed XX/XX/year>, signed gift letter. This forced action caused immediate, severe economic injuries, including an immediate {$3600.00} tax liability that was automatically withheld at the time of distribution. It also resulted in the permanent, calculation-proven loss of her ability to earn compound interest on that principal retirement asset. This represents permanent financial exploitation of a consumer 's family assets to cover up branch-level timeline

Company response to consumer: Closed with explanation