Mortgage -- Closing on a mortgage -- Complaint #4371912
Complaint Overview
Complaint ID: 4371912
Company: Mortgage Lenders Investment Trading CORP
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Closing on a mortgage
State: Florida
ZIP Code: 328XX
Date Received: 2021-05-12T12:00:00-05:00
Date Sent to Company: 2021-05-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My XXXX review for RP Funding. XX/XX/XXXX The company still owe me {$2700.00} in unused escrow due to me since closing on XX/XX/XXXX XXXX that's 121days. Their customer service department have fobbed me off skillfully lying to me since XX/XX/XXXX when they said the refund escrow check will take up to 30 days. They requested the check in their system after another phone call on XX/XX/XXXX ; more incompetence or more delaying it is difficult to tell. More phone calls and their advice is to wait 30-45days from the check request. More phone calls and now it's up to 60 days. I commented politely on the web site and now one replies. My last phone call I lost it and starting shouting which is completely out of character and not something I intended to do but the call center people can not do anything to help or pretend that they are unable. This is affecting my health now but now one cares. {$2700.00} is a lot of money to be out of pocket for most of us. It wouldn't surprise me if RPF go out out of business, so beware. You are better off with XXXX or literally anyone else in my experience. Most companies heavily discount closing costs so this company has nothing special to offer just remarkably poor service to a past customer of over 10 years. My comment on their website that was ignored on XX/XX/XXXX. More context here. I have to say say up until XX/XX/XXXX I had very good experiences with RP Funding. RPF held 3 mortgages for my family since about XXXX. I refinanced my primary residence on XXXX XX/XX/XXXX to bring this long association to a close for now. I received an escrow settlement check in XXXX for {$2700.00}. I work a night shift and after coming home one morning I signed the check in the wrong place invalidating the check potentially. Playing it safe, after my first phone call to RPF on XX/XX/XXXX, I sent the check back to the XXXX XXXX address as instructed and told to check back in two weeks. Two weeks sounds pretty silly right now on XX/XX/XXXX which is 69 days later and I am still without my check or my {$2700.00}. I called o XX/XX/XXXX and multiple other times waiting on the phone to get someone to speak to me. Being told that the process takes 30 days. Someone else said 45 days. I spoke to many people, managers and no-one seemed to know how to do the right thing and get me my money back. I found out that despite my many phone calls there hadnt been a request for a replacement check put in with the company until XX/XX/XXXX a full 41 days after my first phone call. I spoke to a very nice manager named XXXX on XX/XX/XXXX who appeared to do at least something that no-one else had been smart enough to try but it doesnt appear to have helped at all. Then a not so helpful and disinterested manager XXXX on XX/XX/XXXX who said she could really do nothing and speaking to her XXXX was not possible. So, another 7 days have passed and still I am out of pocket to the tune of {$2700.00}. This is obviously not a lot of money for XXXX XXXX but it is for me and my family. I get the feeling that RPF really dont care about me. RPF had my business, made their money and customer service is now for existing customers and not people like me. This really should not be difficult, why cant XXXX XXXX cut me a check right now? Is anyone going to answer me?
Frequently Asked Questions
What is Complaint #4371912 about?
Complaint #4371912 was filed against Mortgage Lenders Investment Trading CORP regarding Mortgage specifically about Closing on a mortgage. It was received by the CFPB on 2021-05-12T12:00:00-05:00.
How did Mortgage Lenders Investment Trading CORP 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 Mortgage Lenders Investment Trading CORP?
Yes, visit the Mortgage Lenders Investment Trading CORP company profile at readthecomplaint.com/company/mortgage-lenders-investment-trading-corp 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.