Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX of CrossCountry Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tn XXXX was given permission to perform a credit application on my spouse and I for pre-approved on a FHA loan. Once CrossCountry Mortgage obtained a copy of both credit reports an agent representing CrossCountry Mortgage named XXXX XXXX contacted us. The Agent advised us that there were some things we needed to have removed from the disputes department with all three credit bureaus before approval. After starting the process of having the items removed from our credit reports the scores began to decrease rapidly within two weeks into XXXX of XXXX. Therefore, we contacted XXXX, XXXX, and XXXX on XX/XX/XXXX of XXXX, to inquire why our credit scores were taking a fall. All three Credit Bureaus advised several hard inquiries perform by CrossCountry Mortgage and XXXX XXXX was reason for the decrease in our credit scores. We advised all three credit bureaus that only one credit pull was authorize by us in order to get approval by CrossCountry Mortgage. The all three credit bureaus supplied us with dates and times The CrossCountry Mortgage performed each inquiry and mailed us paper copies of our report via USPS to our home address. Before we could address CrossCountry Mortgage to voice our concerns about the excessive inquiries made on behalf of their agent XXXX XXXX XXXX ; The CrossCountry Mortgage provided us with an email pre-approval letter on XX/XX/XXXX. Therefore, we didn't question XXXX XXXX XXXX the agent for CrossCountry Mortgage about the excessive inquiries, who was only given one authorization to pull our credit. After finding a home located at XXXX XXXX XXXX XXXX XXXX, TN XXXX, we placed a down payment of {$2000.00} dollars of earnest money for the home. Nevertheless, before closing, a vender was hired to inspect. The Veracity Home Inspection located at XXXX XXXX XXXX XXXX, TN XXXX, Owner XXXX XXXX XXXX conduct a home inspection on XX/XX/XXXX invoice to us. On XX/XX/XXXX, we received a call from a XXXX XXXX XXXX, an agent representing The CrossCountry Mortgage. XXXX XXXX advising, he would be completing our mortgage final obligations for CrossCountry Mortgage. On XX/XX/XXXX, XXXX XXXX called to say we did not meet the financial obligations due to our credit scores not qualifying. At this point we advised XXXX XXXX The CrossCountry Mortgage Company was responsible for the decrease in our credit score. Therefore, we voiced our concerns about their companys work ethics. XXXX XXXX continue with no hesitation to explain the at fault CrossCountry Mortgage and the termination of agent XXXX XXXX who is no longer with The CrossCountry Mortgage Team along with his deepest apology. On the very next day we called to speak with XXXX XXXX XXXX to file a complaint ; however, after several no contact with XXXX XXXX we sought out advise. Furthermore, the reason for filing a complaint with The Consumer Financial Protection Bureau XX/XX/XXXX.

Company response to consumer: Closed with explanation