Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC
State: UT

Complaint narrative:
Hi, my name is XXXX from XXXX, XXXX and I want to say that I am very disappointed and dissatisfied with Core Advisory Group svcs, LLC. From the very start I had my suspicions with this company but XXXX XXXX was very convincing that I was doing the right thing by hiring them but that is not the case. I feel I was misrepresented and lied to. I have been divorced from my ex-husband for over 6 years and was awarded with the deed to my house after my divorce was final and part of the stipulations is that my ex-husband was ordered by our judge to maintain and keep the mortgage payments up to date but recently a year ago, I found out that my ex-husband have n't been paying on the mortgage for almost a year which was a breach to the court order. I ended up finding out when a realtor showed up at my house poking around taking pictures to prepare to foreclose on the property. What enticed me to contact Core Advisory Group is the mail advertisement I received from Core Advisory Group that promised to lower my monthly payments and possible principle reduction. The advertisement also mentioned claims that my lender was in violation and I was eligible to sue them so that was very appealing so I called this company to see what they can do to help me. 
After I had agreed to sign up for their services, they would send a notary person to my house to sign paperwork which I paid separately to the notary company name XXXX, which by the way this notary person did not stamped the notary seal in front of me but just collected the signed documents and a check that I wrote out to this notary company XXXX XXXX for {$160.00}. I also had to send a separate check for the loan modification service that Core Advisory Group was to provide to me in the amount of {$3600.00} upfront so in total I had paid upfront almost {$4000.00} to get help with my mortgage. A week after I have already issued them my money, I did some research and found some disturbing information about them that made me very uncomfortable and felt, they have n't been honest or forthright with me from the very beginning so I contacted them to stop the service and return my money. The owner XXXX XXXX who later I have found out is just an alias and the owner 's real name is XXXX XXXX and XXXX search shows him owning another company in the past by the name of XXXX which had legal issues with the State of XXXX. Well the owner called me along with his representative XXXX XXXX and the conversation with the both of them was even more disturbing as they refused to honor my request for a refund as I pointed out to them that it was illegal for them to charge me upfront to help me with my mortgage, the both of them claimed that they are licensed to offer services in my state but that is not the case since their headquarter stated is in the same city and state that I currently reside in has no physical office as they claim they do. I might have been desperate at one point in trying to save my house is the reason I decided to hire them in the first place, but once I 've found out that this company has lied to me and mislead me into thinking they are legitimate and can help me with my mortgage I tried to contact them multiple times with no success to talk to them and get my money back to only have to wait almost 2 weeks before they decided to contact me again. I just want my money back in the amount of {$3600.00} which included {$160.00} towards the bogus notary person and I am not going to be their victim in this fraudulent mortgage relief scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief