Mortgage -- Trouble during payment process -- Complaint #7595734
Complaint Overview
Complaint ID: 7595734
Company: Cardinal Financial Company, Limited Partnership
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
Sub-Issue: Trying to communicate with the company to fix an issue while managing or servicing your loan
State: Florida
ZIP Code: 32043
Date Received: 2023-09-23T12:00:00-05:00
Date Sent to Company: 2023-09-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Please see the attached letter sent from Cardinal Financial, dated XXXX with regards to an appraisal. I have submitted numerous complaints against this company due to their inability to follow simple federal and conventional guidelines when servicing a mortgage loan ( for latest case information, please see CFPB case # XXXX, as this is all connected, along with every other report I have filed against this company ). Per documentation mailed to me dated XXXX, my deferment has been processed, however, I received another letter dated XXXX stating an appraisal may be ordered due to the " loss mitigation process '' and that this expense will be charged to me. However, per CFPB guidelines on processing payment deferment for COVID forbearance, an appraisal is not a part of this equation for payment deferment specifically. An appraisal does not need to be completed as I am not opening, nor have I initiated a loss mitigation request. I have not authorized my credit to be pulled, the loan terms on my current mortgage to be adjusted or negotiated, nor an appraisal to be ordered. I will not be paying for this expense of an appraisal nor will it be charged to my mortgage account ; as this is not a part of CFPB guidelines or FHLMC guidelines ( who owns my loan ). I need confirmation that this expense is not being charged to me or my account as it was never authorized by me for any reason. ***My normal mortgage payments for principal and interest have been resumed as of the effective date of XX/XX/2023. *** I have attached a copy of the XXXX letter from Cardinal with regards to the appraisal along with the XXXX letter confirming payment deferment for COVID ( Cares Act ) payments.
Frequently Asked Questions
What is Complaint #7595734 about?
Complaint #7595734 was filed against Cardinal Financial Company, Limited Partnership regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2023-09-23T12:00:00-05:00.
How did Cardinal Financial Company, Limited Partnership 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 Cardinal Financial Company, Limited Partnership?
Yes, visit the Cardinal Financial Company, Limited Partnership company profile at readthecomplaint.com/company/cardinal-financial-company-limited-partnership 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.