Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NETWORK FUNDING, L.P.
State: TX

Complaint narrative:
This complaint is a re-filing of a prior submission ( CFPB Complaint ID : XXXX ) that was automatically closed by the system without a substantive review. The previous complaint was incorrectly categorized as a " debt collection '' issue, which triggered an automated closure upon receiving any response from the company. The core of my complaint, however, is mortgage fraud and gross negligence in loan origination by Network Funding, XXXX ( XXXX ), a serious matter that requires human investigation. Network Funding, XXXX ( XXXX ) provided a false and misleading response. Their response deliberately omitted key facts and misstated the law to conceal their gross negligence. The core issue is mortgage fraud and gross negligence in loan origination by XXXX. 

In XX/XX/XXXX, XXXX originated a conventional mortgage loan ( XXXX XXXXXXXX ) to fund the purchase of a property. This loan was approved based on a fraudulent application containing XXXX forged " Gift Letters '' that used my name and forged signature without my knowledge or consent. 

XXXX 's underwriting displayed gross negligence by ignoring multiple, blatant red flags present in their own file : Forgery : The XXXX gift letters bore signatures that were visibly and drastically different from each other. 
Internal Conflicts : The letters listed a false address for me in XXXX, while my actual bank statements in their file showed my address in XXXX, Texas. 
Impossible XXXX : The XXXX Deed for the property purchase was executed on XX/XX/XXXX, but the gift letters justifying the down payment were not created until XX/XX/XXXX and XXXX, XXXX clear indicator of documents being fabricated after the fact. 

I first reported this identity theft and forgery to XXXX in XX/XX/XXXX. Their compliance XXXX acknowledged my complaint, promised a " high level inquiry, '' and solicited my government ID and a personal statement. After I provided this, their general counsel stonewalled me, refusing to provide any findings or the requested gift letters. Copy of the email conversation with XXXX is attached. 

This forced me to obtain the fraudulent gift letters via a court subpoena. Subsequently, the XXXX XXXX XXXX of XXXX XXXX XXXX, Texas, issued a Final Judgment ( Cause XXXX XXXXXXXX ) declaring the NFLP loan " VOID XXXX XXXX '' XXXX XXXX XXXX the beginning ) due to " material fraud and forgery. '' Copy of the judgment is attached. 

Despite this court judgment, XXXX continues to defy the ruling. In their response to my previous CFPB complaint, they falsely claimed the court order has " no effect '' on them and that they found " no reason '' to believe the forged letters were fraudulent, demonstrating a pattern of willful blindness and bad faith. 

Therefore, I am not merely disputing a debt. I am requesting a formal investigation by the CFPB into XXXX 's : XXXX. Grossly negligent underwriting practices that facilitated mortgage fraud. 
XXXX. Pattern of bad-faith conduct in responding to a victim of identity theft. 
XXXX. Deceptive and misleading response to this federal consumer protection agency. 

This is a serious matter that demands regulatory scrutiny to hold this lender accountable and prevent harm to other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation