Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #5000055
Complaint Overview
Complaint ID: 5000055
Company: Neighborhood Assistance Corporation Of America ("Naca")
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
State: Virginia
ZIP Code: 23606
Date Received: 2021-12-11T12:00:00-05:00
Date Sent to Company: 2021-12-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was working with NACA for over ( XXXX current XXXX ) a year to acquire a mortgage loan. My mortgage counselor XXXX XXXX XXXX asked me if there was anyone I can add as a co-signer. When I told her I didnt want to add anyone else, she went through my income and saw my child support. My mortgage counselor XXXX XXXX, then began to continually ask me to put my XXXX XXXX on my mortgage application for income reasons. I qualify on my own as the sole borrower, and told her I was completely comfortable with the amount I qualified for and could afford with my income. I informed her multiple times that I am not comfortable reaching out to my XXXX XXXX, nor am I comfortable with having him on my mortgage. I informed her I wanted to be on my mortgage loan by myself. XXXX XXXX did not respect my feelings about the matter. She continually asked on multiple occasions to add him as a co signer, informing me that I would qualify for a much larger loan to get a bigger house by adding his income. She said she was trying to help me get a bigger house. I told her I could not afford to pay a larger mortgage on my own. I informed her I could only afford the amount I qualified for by myself. She still continued to push for me to add him fully aware that it would put me in a position to be struggling tremendously to make the mortgage payments that were out of my affordability. Also I have payed NACA multiple fees as well as monies to obtain a mortgage loan as well as to run my credit report. I did not receive one nor did I even come close to receiving one in the entire time I tried working with NACA.They advertise that they offer free mortgage loan assistance. This company has pulled my credit multiple times for no reason as well. Since I have reached out to her supervisor, she refuses to return my email or calls. My counselor has canceled multiple appointments without reason. This company is still taking money from my account and I am still unable to get in touch with my counselor. I have requested for a different mortgage counselor, and I have reached out to her supervisor in regards to this situation and have not received any response since reporting this matter.
Frequently Asked Questions
What is Complaint #5000055 about?
Complaint #5000055 was filed against Neighborhood Assistance Corporation Of America ("Naca") regarding Mortgage specifically about Applying for a mortgage or refinancing an existing mortgage. It was received by the CFPB on 2021-12-11T12:00:00-05:00.
How did Neighborhood Assistance Corporation Of America ("Naca") 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 Neighborhood Assistance Corporation Of America ("Naca")?
Yes, visit the Neighborhood Assistance Corporation Of America ("Naca") company profile at readthecomplaint.com/company/neighborhood-assistance-corporation-of-america-naca 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.