Consumer complaint received 2016-03-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Flatonia Investments, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX : XXXX Envoy Mortgage. & XXXX XXXX XXXX XXXX ID : XXXX In the process of buying my first house I was treated very poorly by both of these gentlemen. They were unethical, untruthful, harmful to my credit, and most of all did serious irreparable damage to my life. They did not at any point follow any XXXX rules or send any disclosures. They lied and said I was approved when I was apparently was not. They lied and said they worked together when they did not. They ran an incredibly excessive XXXX hard inquiries all on different days. XXXX handed me off to XXXX without my consent under the pretext that they were " co-workers '' and although XXXX had me approved XXXX had an approval that was less labor intensive. Once working with XXXX I provided him with all the required documents that were asked for and he had given my real estate agent an okay to close. 3 days before closing he sent out an email saying he could not follow through on his commitment. This is after both the seller and myself had already arranged moving, movers, and arranged contracts for living arrangements ( me moving out them moving in somewhere ). The biggest problem was the constant lies. I have kept all correspondence from them which was done entirely via email. I was never sent a single disclosure from either one of them. Although I was told I was approved and then later told not approved I never received anything in writing from either of them. Not a single disclosure of any form. The only document I received was a breakdown of the rate and terms of my approval that was much higher than what I quoted verbally in every way shape and form. The rate and fees were not even close to what I was quoted originally. The XXXX hard inquiries and pass off between brokers without my consent left my credit score vastly lower then it was when I started. I think this was done to reduce my score enough so they could justify charging me higher rates & fee 's. I ended up finding a lender on my own who was able to provide me with financing but the rate & fees were higher due to my drop in fico score specifically due to the excessive hard inquiries made by XXXX & XXXX. I have XXXX witnesses ( XXXX realtors, XXXX different mortgage broker, XXXX senior loan originator ) who were all involved in the process who not only can be reached to corroborate everything I have told you but suggested I report this. This did serious damage to me financially in many different ways. After being told your clear to close then 3 days before closing getting an email to even a phone call telling me it 's not possible led to XXXX, XXXX, and a scramble to find living arrangements. I also had to make a {$1000.00} concession on my original offer to sellers just to keep the deal together so the new lender could have time to actually put together the mortgage which was more expensive specifically due to the excessive inquiries made by XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation