Consumer complaint received 2024-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BROADVIEW MORTGAGE CORPORATION
State: NY

Complaint narrative:
On the XXXX of XXXX this year, I entered XXXX XXXX XXXX XXXX  to re finance my home equity line of credit based on a new appraisal of my home. 
An application was submitted for approval, and 3 days later, was unlawfully denied based on policy of which does NOT supersede Federal Laws for Fair Credit Lending, proper representation under good faith under the Equal Credit Opportunity Act, as well as many other U.S.C codes, and CFR Federal regulations. 

on the XXXX of XXXX, a woman claiming to work for Broadview by the name of XXXX, contacted me by phone at XXXX XXXX  leaving a voicemail to call back, also a gentleman named XXXX the next day on XX/XX/XXXX contacted me by phone to discuss the status of the application. 

XXXX stated they won't be moving forward, and upon hearing this my grandson asked " was the application signed? ", to which XXXX responded " yes '', and my grandson then sternly said then there is no denial, because once a signature is on an application with a written value on the face of it, the funds are already available as it is endorsed by the signature, to which XXXX asked me if my grandson has permission to speak on my behalf, to which I responded " yes ' ; which caused XXXX to steer the conversation to an end and disconnected the call. 

In the days that follow, I entered the branch to retrieve a certified copy of my loan application after a phone call, of which I was assured by a XXXX would be do able with no issue, only to be met with an issue of denial due to " policy '' even though the application contains my private identifiable information, and I have every right to request it, it is my belief I was denied this certified copy so I wouldn't be able to file the proper complaint 's to hold those involved maliciously accountable for their deceptive and misleading behavior. 

Now this matter has been addressed beyond the privacy of the bank, by the bank to XXXX in the form of a false claim in order to protect themselves from being found to have violated the senior safe act in addition to everything under the sun in regards to processing any and all loans within the years of XXXX, to XXXX for myself as a financial consumer. 


the 2 previous loans I was offered less favorable terms and discouraged from reallocating the loan as I originally intended, and firmly believe I've been misrepresented, so I addressed this matter directly to the CEO of Broadview, only to receive a fluffed response letter from a third party to the discussion stating the matter had been closed due to " their own investigation '' when they had zero involvement in the first place. 

I have yet to receive any response directly from the living people I addressed in each applicably named written correspondence, and I find this to be absurd and unprofessional and a clear indication and proof of claim of misrepresentation, as well as proof of claim for XXXX XXXX and any affiliated company 's having violated my consumer rights, as well as conspired to do so amongst themselves, and this is my belief based on what I heard from reviewing all of the recorded phone calls and in person interactions off my grandsons cell phone. 

I will save thew rest should I need to file XXXX more reports on this matter, and since both XXXX and XXXX have chosen acquiescence in response to my written correspondence, they can consider this matter still very much open. 


It's important to note that every option available to check on the page prior to this applys.

Company response to consumer: Untimely response