Consumer complaint received 2026-01-26 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: Modern Mortgage Financial, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding serious compliance failures and lack of required service by a loan officer ( LO ) and a mortgage company. Based on the conduct described below, I am concerned about violations of federal lending regulations and the security of my personal information.

1. Unauthorized Credit Pull The loan officer pulled my credit without receiving my verbal or written authorization. At no point did I consent to a credit inquiry. This is a serious violation and raises concerns about improper use of my personal information.

2. Improper Application Handling / Failure to Issue Disclosures The loan officer refused to issue a Loan Estimate ( LE ) unless I uploaded documentation first. The LO did not complete a loan application over the phone, nor did they take the required six pieces of information needed to trigger disclosure delivery. Instead, I was instructed to upload documents before disclosures would be sent.

This is not compliant with federal requirements and appears to be a deliberate delay in issuing required disclosures.

3. Failure to Provide Timely Loan Disclosures I provided all information necessary to constitute a loan application, including : Executed purchase contract & Personal and financial documentation It has now been well over three ( 3 ) business days since a complete loan application was received, yet I have not received my Loan Estimate or required disclosures. This is a direct violation of federal disclosure timing requirements.

4. Data Security and Company Legitimacy Concerns Due to the unauthorized credit pull, delayed disclosures, and document upload demands without proper disclosures, I am now concerned about where my personal and financial information is being stored and whether this company is operating legitimately and in compliance with regulations. This situation has caused fear and distress regarding potential misuse of my information.

Request for Review I am requesting a full investigation into : Unauthorized credit access Failure to issue timely disclosures Improper loan application practices Data privacy and security handling I am also requesting confirmation of corrective action and assurance that my personal information has not been improperly retained, shared, or misused.

Here are the brief details. 

XX/XX/XXXX Modern Mortgage contacted me to see if I would give them an opportunity. I obliged and said I would. I requested a rough estimate at that time. He emailed me and told me what rate/costs would be but that he could not provide a written estimate without my documents. He wanted the docs emailed. I responded and asked for a secure portal to upload. 

XX/XX/XXXX I uploaded my docs. Asked XXXX if he received them. 
* I did not get a response. I also submitted an inquiry through their main website. 

XX/XX/XXXX finally got a response that he has not received my docs. I advise I uploaded them on XXXX and XXXX ( LO ) said he would check with his boss XX/XX/XXXX he then advised that the documents I uploaded were not received, so I uploaded them again for the XXXX or XXXX time, but this time, I had to do it one by one. 

XX/XX/XXXX confirmed receipt of docs. I then get a text asking me for d/l and the address of the home I am purchasing, and what I am doing with my current home. I provided the XXXX for the sale of the current home, the contract for the new home, and all that info was there. Why am I being asked about stuff I have already explained and provided documentation for? 

XX/XX/XXXX disclosures still dont come. Its another excuse. Says he will call in the morning. I did not get that call the next morning. 

XX/XX/XXXX I expressed my frustration with this process, and thats when I spoke to LO 's boss ( allegedly ). He assured me that I would get disclosures by the end of day. 

XX/XX/XXXX I still dont have disclosures. I text & called LO & called his " boss '', and neither have responded. 

XX/XX/XXXX - no communication still and no disclosures. I have tried getting owner 's contact on XXXX, web search, calling the main number, and none works. The XXXX number rings and then goes dead. I am at a standstill with no resolution in sight since I can't reach anyone at their office. 

I don't need the loan from them. I have a XXXX credit score and am putting almost 50 % down, but I wanted to shop my rates, and since they called me on a cold call, I decided to give them an opportunity, which they have significantly failed & it is not acceptable.

Company response to consumer: Closed with explanation