Consumer complaint received 2024-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
Cardinal FinacialXXXX XXXX  XXXX XXXX XXXX The loan payoff was $ XXXX which is supposed to be at $ XXXX to payoff this criminal organization called Cardinal FinacialXXXX XXXX  per XXXX XXXX  my bank this is the same company that is taking advantage of a permanent and total XXXX XXXX XXXX XXXX XXXX XXXX this is a felony in all states. This company is constantly changing the payoff statements since I am going to a new mortgage company and they are making it very difficult using my XXXX to close my loan with correct payoff. I have been in an interest only loan which is breach of contract since House was supposed to be fully equipped with a HVAC so in the winter it will not work and I will freeze. It cost more than {$8000.00} for this and this company has done nothing to help me get into a better situation and to get a 15 year fixed instead they altered thenumber saying a 15 year would be worse for me? That makes no sense. I am XXXX not stupid. They have been emptying my bank account since XX/XX/XXXX and I haven't missed a payment ever with either company and now since I do not want to do business with them anymore and they can't steal while taking advantage of me they are trying to ruin my credit before I can refinance into a better situation as per XXXX XXXX. Everything is recorded and documented for future. They have never solved anything with solutions, just problems and computer generated statements that do not even make sense. I have been paying {$2800.00} for 11 moths on time and never missed a payment and only {$300.00} went to principal and {$2500.00} went straight into a lender who is taking advantage of a XXXX person without telling him the truth and misinforming him with false statements and only {$300.00} going to interest when I could be in a 15 year and better situation with no cash out. I have no debt and no other open accounts with debt and my credit is about to be ruined because Cardinal financial/XXXX XXXX XXXX  all the same company per XXXX XXXX. They helped stop payment because they tried taking more money out of my account after recieving payoff. That was so they can get paid twice. They still haven't resolved the situation and now I owe {$390000.00} to payoff and they are now telling me I am late on my mortgage ruining my credit illegally without informing me of anything. I do not owe them anymore money since they keep changing the payoff to ruin my credit and stop me from making a payment. They are asking for double the payment right now while sending a payoff to new mortgage company of {$390000.00} I will owe after I pay {$5700.00} more to not ruin my credit? First off let'sall be clear here. What is happening is a felony and they are trying to cover it up to make me look bad when they are the criminal using a XXXX person like a ATM. What kind of practice is this and what kind of company is this and how are they helping soldiers? It looks like they are helping themselves. Check their taxes first and ask them about the lender about the gold I gave them, thinking they were doing me write when they were just destroying my life here in Virginia ands stopping from people here to help me fix things since this person knows the whole town. Maybe you should ask questions on the real estate agent and the loan officer who did me on this deal thinking I was getting a good deal. They never even asked to put me into a better situation for my daughter and I while I fight my illnesses being fully XXXX and being XXXX not stupid. I fought hard for this country and my daughter who is XXXX XXXX XXXX deserves better than this. These mortgage companies have destroyed my credit and drained my bank account putting me in interest only payment when I qualified for a 15 year fixed paying the same price for 11 months for a 30 year interest only and now they want me to pay them off more than they should. XXXX XXXX is waiting on the payoff and XXXX XXXX is holding it off and increasing and altering their number to increase the fees for payoff same thing XXXX did and still destroying my credit when I have ZERO debt. I have been unable to pay down my mortgage more during the 11 months. They put me through the mill and sent me to different departments in their companies and none of them came with solutions time and time again and told me lies and hung up on me lying to take more money from a disable person which is a felony in all states. I finally foundXXXX XXXX and so far they are treating me better and hoping I can finish my refinance with this company who is helping me and not taking advantage of my XXXX which is a felony in all 50 states of the United States of America. I respectfully request an investigation regarding my credit reporting with all three mortgage companies as well as the fees and illegal handling of money against a fully disable person. I have not got anywhere with any of these three companies Cardinal financial, XXXX XXXX and XXXX XXXX  and their illegal activity of reporting me on my credit after account closed and still won't close my account and destroying my credit so I can't get credit card or anew mortgage that will better my situation for my daughters future.

Company response to consumer: Closed with explanation