Complaint #1672756 submitted on 11/25/2015 relating to Cardinal Financial Company, LP. Complaint relates to Mortgage Conventional fixed mortgage - Settlement process and costs .
Complaint was submitted via Web and sent to the company on Wednesday 2nd December 2015.
I applied for a conventional 30yr fixed mortgage loan with Sebonic Financial in XXXX, NC which is a subsidiary of Cardinal Financial Company. I did not receive the correct Closing Disclosure until I was at closing. I was provided a preliminary disclosure, but it was not 3 business days in advance and it had significant errors ( over {$170000.00} wrong ) although the new mortgage rules require disclosure at least 3 business days in advance. I had to explain to the lending institution that a HUD is no longer provided by the closing attorney and spend countless emails and phone calls back and forth requesting they correct the closing disclosure and paperwork, but I had to sign incorrect paperwork at closing because it was never corrected appropriately.
| Company | Cardinal Financial Company, LP |
| Complaint ID | 1672756 |
| Date Received | 11/25/2015 |
| Product | Mortgage Conventional fixed mortgage |
| Issue | Settlement process and costs |
| State/ZIP Code | NC 282XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company believes it acted appropriately as authorized by contract or law |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 12/02/2015 |
| Result | Timely Response: Yes, Consumer Disputed: Yes |
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