Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AAA CAPITAL INVESTMENT, INC.
State: CO

Complaint narrative:
I first met XXXX XXXX in XXXX through XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX At that time, she assisted me in finalizing a refinance during my divorce from XXXX XXXX. She was kind, understanding, and shared that she had experienced similar domestic violence issues. Because of her compassion, I trusted her. 
In XXXX, while facing significant financial difficulties and challenges with my mortgage, I reached out to XXXX again. We spoke by phone, and she proposed a potential partnership to restructure my mortgage. 90 % of our communication was conducted via phone calls. She explained that she was working with a private investor named XXXX, who could take over my mortgage at a much lower monthly rate of approximately {$1500.00}. Given my reduced income compared to when I first purchased my home, I was very hopeful. 
XXXX instructed me to begin the process, which required several payments. These payments were sent to her via XXXX to her account at XXXX and XXXX an associate named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In total, I paid {$6500.00} in increments for various stated purposes. Despite these payments, I have not received any contractual documentation confirming that a refinance or modification process was underway. 
Throughout our conversations, XXXX mentioned contacting my mortgage company and even my HOA to discuss the high monthly fee of {$360.00}, claiming it was unfair since the community is not yet completed. She also said we would meet via XXXX with her attorney, XXXX, and associates named XXXX. At that point, she requested an additional {$1200.00} for attorney fees. However, no contractual documentation was ever provided from this alleged attorney, not even after I had sent her the {$1200.00}. 
When I attempted to follow up, XXXX repeatedly gave excuseXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX speaking with the FBI about a fraud case in Nevada, or handling other files. As a result, I have lost my savings, fallen behind on my mortgage, and have not received any modification or refinance. 
Upon reviewing public records, specifically on XXXX, I discovered troubling information about XXXX, including prior rental and eviction issues, a divorce in Arizona, a speeding record, and a criminal charge for threatening unlawful action, as well as an alleged falsified check she tried to cash out. I also learned that XXXX XXXX, whom XXXX claimed was her associate, is actually a XXXX woman living at the same address as XXXX in XXXX, Indiana at XXXX XXXX XXXX XXXX XXXX XXXX. 
My very last message to her on November 19thn 2025 was " XXXX XXXX. We havent had any movement and all of my savings is gone?? How long before my money starts working for me? Why are we dragging this?? If you dont want to help me pls send it all back so I can at least let it grow in money market?? I know the consult fee is low but if you cant make anything happen pls send it back. I am having nightmares over this. You keep postponing everytime I msg or call '', after which of course was no response whatsoever up until XX/XX/XXXX. 
On XX/XX/XXXX I contacted XXXX XXXX XXXX in XXXXXXXX XXXX XXXXe XXXX claimed to be affiliated. An agent confirmed that she has not worked there for over a year and advised me that no legitimate mortgage company requires upfront payments before closing. He kindly offered to reach out to her, as in to help me, after which she sent me a text message verbatim " Hi. I land in XXXX mins. I'll call you when I land. ", I had ignored her call, after which came " I called you ''. 
I also called AAA Capital Investment, another company XXXX claimed to represent. The customer service agent initially transferred me to her voicemail, then later provided me with the same phone number I had already been using to communicate with her. 
In the meantime, I reported XXXX to the FTC and began contacting local attorneys regarding a possible criminal fraud case. I also sent payment requests through XXXX and XXXX XXXX to both XXXX XXXX and XXXX XXXX, seeking reimbursement of the funds they took from me. Neither has responded. On XX/XX/XXXX I met up with a local XXXX, who assured me this absolutely is a criminal fraud case, and he was kind enough to call her himself that same night. She told him she will be sending me my money back by the end of this very week, by XX/XX/XXXX. In all honesty, I doubt she will. Either way I will be pressing charges, not only for the monetary damages, but emotional, financial abuse, false sense of hope and security, most of all integrity and extortion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation