Complaint #1542874 submitted on 08/28/2015 relating to Cardinal Financial Company, LP. Complaint relates to Mortgage Conventional fixed mortgage - Application, originator, mortgage broker .
Complaint was submitted via Web and sent to the company on Friday 28th August 2015.
I began shopping for mortgages and applied through several lenders. XXXX, Sebonic Financial ( NMLS # XXXX ), seemed to be a good online option. The broker, himself, was actually very pleasant to work with. However, as part of the application process, Sebonic requires a credit card to hold funds for an appraisal. I applied on XXXX and received an email that an appraiser had been assigned on XXXX. In that email it said that I needed, as the borrower, to schedule to have the appraisal done within ( 7 ) days. However by XXXX the appraisal had been assigned and conducted, without my or my agent 's knowledge/authorization. It is also worth mentioning that I informed Sebonic the same day that I had signed with another lender, whether or not that 's a coincidence or not, I 'm not sure. Additionally, at no point had I signed an intent to proceed with Sebonic. I have since been charged as appraisal fee of {$430.00} and told that is a non-refundable charge. I 'm not an expert in the mortgage process but this strikes me as a serious ethical issue requiring a refund of the appraisal fee immediately.
| Company | Cardinal Financial Company, LP |
| Complaint ID | 1542874 |
| Date Received | 08/28/2015 |
| Product | Mortgage Conventional fixed mortgage |
| Issue | Application, originator, mortgage broker |
| State/ZIP Code | GA 303XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company believes complaint is the result of an isolated error |
| Company Response To Customer | Closed with monetary relief |
| Submitted | Web 08/28/2015 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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