Cardinal Financial Company, LP Complaint: Mortgage #1672136

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App\Controller\ComplaintsController::view() - APP/Controller/ComplaintsController.php, line 54
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Warning (512): _cake_model_ cache was unable to write 'default_complaints' to Cake\Cache\Engine\FileEngine cache [CORE/src/Cache/Cache.php, line 244]

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Cake\Database\Schema\CachedCollection::describe() - CORE/src/Database/Schema/CachedCollection.php, line 67
Cake\ORM\Table::schema() - CORE/src/ORM/Table.php, line 429
Cake\ORM\Table::primaryKey() - CORE/src/ORM/Table.php, line 505
Cake\ORM\Table::get() - CORE/src/ORM/Table.php, line 1163
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Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 429
Cake\Routing\Dispatcher::_invoke() - CORE/src/Routing/Dispatcher.php, line 114
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#1672136 25 Nov 2015

Mortgage Conventional adjustable mortgage (ARM)

Complaint #1672136 submitted on 11/25/2015 relating to Cardinal Financial Company, LP. Complaint relates to Mortgage Conventional adjustable mortgage (ARM) - Loan servicing, payments, escrow account .

Complaint was submitted via Web and sent to the company on Wednesday 25th November 2015.

Narrative (may be redacted).

My taxes are escrowed and paid by my mortage servicer. My real estate taxes which are due on XXXX/XXXX/2015 have not been paid. I received a past due notice from the County which I forwarded by email to the tax department of my loan servicer. I also left two messages on their online banking messaging system that have not been responded to. I finally made a call to the company and simply asked for a confirmation email that the taxes would be paid before the past due date and that they would be responsible for any late charges resulting from a late payment. The customer service rep said they could not do that and to " trust them ''. I do n't know if they will pay the taxes on time or not and if they do n't I have no record of my conversation and it will be my word against theirs in any dispute over late charges. Very poor customer service. And are there not standards for the length of time between a request is made and a response is given. I made a request over their online messaging service over two weeks ago and have received no response in writing notwithstanding the following automated message received in response to my inquiry : '' Your message has been submitted successfully and has been referred to the appropriate area for review. We will make every effort to provide a response to your inquiry as promptly as possible. In any event, we will do so within the time limit required by law '' So what is the time limit required by law??

Thanks for looking into this.

Company	Cardinal Financial Company, LP
Complaint ID	1672136
Date Received	11/25/2015
Product	Mortgage Conventional adjustable mortgage (ARM)
Issue	Loan servicing, payments, escrow account
State/ZIP Code	VA 201XX
Consumer Consent	Consent provided
Company Public Response
Company Response To Customer	Closed with explanation
Submitted	Web 11/25/2015
Result	Timely Response: Yes, Consumer Disputed: No

Cardinal Financial Company, LP Complaint: Loan servicing, payments, escrow account

#1672136 25 Nov 2015

Mortgage Conventional adjustable mortgage (ARM)

Narrative (may be redacted).

Have you dealt with Cardinal Financial Company, LP?