Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #18995270
Complaint Overview
Complaint ID: 18995270
Company: Coast2coast Mortgage, LLC
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-Issue: Trying to communicate with the company to fix an issue with the application process
State: North Carolina
ZIP Code: 28262
Date Received: 2026-01-25T12:00:00-05:00
Date Sent to Company: 2026-01-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Company : Coast2Coast Mortgage Individual involved : XXXX XXXX XXXX Product : Residential mortgage loan Issue type : Misrepresentation, interference with consumer choice, unprofessional conduct Complaint Description I am filing this complaint regarding the conduct of a mortgage loan originator employed by Coast2Coast Mortgage , LLC, which occurred this month in connection with residential purchase transactions involving my clients. The individual engaged in repeated conduct that interfered with consumers ability to freely pursue mortgage financing, misrepresented facts to consumers and other mortgage professionals, and attempted to influence transactions through coercive and retaliatory behavior rather than underwriting facts. Specifically, the loan originator attempted to prevent a borrower from communicating directly with the builders preferred lender ( XXXX XXXX lender ) while allowing or encouraging the borrower to communicate directly with the builder. The loan originator insisted that underwriting determinations flow through her rather than allowing the assigned lender to complete an independent underwriting review. This interfered with the borrowers right to shop lenders and pursue qualification without obstruction. The loan originator also engaged in hostile and disparaging communications toward another licensed mortgage lender who was attempting to assist the borrower. These communications went beyond underwriting criteria and served no legitimate consumer-protection or lending purpose. After a client informed the loan originator that she would not proceed with the loan application, the loan originator sent a written email directly to the consumer making false and disparaging statements about me as the clients licensed real estate agent, referencing an unrelated transaction and internal brokerage matters that had no relevance to the consumers loan. This communication appeared retaliatory and caused confusion and distress to the consumer. Additionally, the loan originator made false statements to another mortgage lender claiming that I had given away a clients loan to a different lender. This statement was untrue. I did not assign, redirect, or interfere with the clients choice of lender. The client independently chose not to proceed. This misrepresentation was made to discourage another lender from working with me. Taken together, this conduct demonstrates a pattern of misrepresentation, interference with consumer choice, improper communications, and retaliatory behavior that undermines consumer trust and the integrity of the mortgage lending process. For clarity, my communications throughout these transactions were limited to advocating for lender-driven underwriting determinations, accurate disclosure of contractual risks, and preserving the borrowers ability to make an informed decision without unnecessary financial exposure. I did not discourage the borrower from any lender, did not interfere with underwriting, and did not make disparaging statements about the respondent. My communications were factual, documented, and focused solely on the borrowers best interests. I am requesting that the CFPB review Coast2Coast Mortgages handling of this matter, including the actions of its loan originator, for compliance with federal consumer protection standards. I have retained written documentation supporting this complaint and can provide it upon request.
Frequently Asked Questions
What is Complaint #18995270 about?
Complaint #18995270 was filed against Coast2coast Mortgage, LLC regarding Mortgage specifically about Applying for a mortgage or refinancing an existing mortgage. It was received by the CFPB on 2026-01-25T12:00:00-05:00.
How did Coast2coast Mortgage, LLC 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 Coast2coast Mortgage, LLC?
Yes, visit the Coast2coast Mortgage, LLC company profile at readthecomplaint.com/company/coast2coast-mortgage-llc 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.