Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #17917690
Complaint Overview
Complaint ID: 17917690
Company: Community Financial System, INC.
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-Issue: Delays in the application process
State: Pennsylvania
ZIP Code: 18702
Date Received: 2025-11-21T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I applied for a mortgage prequalification with Community Bank , N.A . through loan XXXX XXXX XXXX XXXX. As part of the application process, a hard inquiry was made on my credit report. After the inquiry, I attempted multiple times to follow up with XXXX XXXX to obtain the results of my prequalification. My emails dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX show that I reached out repeatedly to schedule a meeting or request the results by email. While XXXX XXXX initially responded with an appointment offer, there was a miscommunication regarding the scheduling, and I did not receive confirmation. Despite my continued attempts to clarify and reschedule, I did not receive the prequalification results. I am concerned that Community Bank initiated a hard inquiry on my credit without providing me with the outcome of the application or timely communication. This has negatively impacted my credit score and left me without the information needed to proceed with the mortgage process. I have attached the full email correspondence as evidence of my attempts to communicate and the lack of resolution.
Frequently Asked Questions
What is Complaint #17917690 about?
Complaint #17917690 was filed against Community Financial System, INC. regarding Mortgage specifically about Applying for a mortgage or refinancing an existing mortgage. It was received by the CFPB on 2025-11-21T12:00:00-05:00.
How did Community Financial System, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Community Financial System, INC.?
Yes, visit the Community Financial System, INC. company profile at readthecomplaint.com/company/community-financial-system-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.