• Report: #1069152

Complaint Review: Proficio Mortgage

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  • Submitted: Mon, July 22, 2013
  • Updated: Mon, July 22, 2013

  • Reported By: Stick a Fork in Me — Raleigh North Carolina
Proficio Mortgage
6100 Rockside Woods Rd. #180 Independence, Ohio USA

Proficio Mortgage I'd rather have a dozen root canals then to waste another 6 months with these people Independence Ohio

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I started my refinance with these people back in February 2013 and I still don't have a closing date. The only thing I've been getting is the runaround and constant requests for documents I had already sent.

My initial case worker (or whatever you want to call her) had gotten all of my information and gave me a rate of 3.75% for my HARP loan. Once I got all of the initial paperwork and sent it in, I thought we were good to go. Not the case. I get a call asking for more work that I had already sent in. A week later, another call asking for more paperwork that I had already sent in. I had to call them back and tell them I wasn't sending a thing because I had sent them all of that information already and nothing changed. Then, I get a bunch of paperwork in the mail that I needed to sign. I did and faxed it all in. Guess what? I get another call telling me I didn't fax a few things, which I did. Then another call comes that they needed paperwork from the first round of paperwork that I had already sent in.  Seriously?? Anyone who losses paperwork like that shouldn't be working in mortgage finance. This is my personal information. Had this been healthcare, these people would've opened themselves up to a lawsuit. 

Anyway, again, I told them I wasn't sending them anything because they had already received it. If they didn't, then I'd take my business elsewhere where they actually keep up with their customers' information. A day later, I got a call that said I was pre-approved for a loan and they were waiting for underwriting. Keep in mind that it's been 8 weeks at this point and I have the emails to prove it. 

12 weeks come and I haven't heard a thing. During the last couple of weeks of silence, I had been emailing my case worker wondering what the heck was going on and had their been any news. I finally email the main office in Florida and someone calls me back within an hour. He tells me that my case worker left the company a month ago. Too bad nobody bothered to tell me that I was emailing into a void. If that wasn't bad enough, I keep getting letters that Proficio has tapped my credit report four times, bringing down my credit score from 780 to 730. When I ask the guy on the phone about it, he says I should be more worried about the number of accounts I have open because that's what's bringing my credit score down. Oh, really?? They sure didn't have a problem with pre-approving me for a loan though, did they? Not only that, but if it was that bad, then why do business with me at all? After all of that crap, I finally got a reason why it was taking so long for my refi to go through. Quicken Loans was doing the underwriting and they had to do a PMI check. Nobody bothered to tell me any of this!!! Even worse, now that Proficio suddenly got the approval to do loans with PMI, they wanted to drag me through the whole process again!  Again! The guy on the phone said it would take approx. 30 to 45 days with them, but probably 60 to 90 days if I wanted to stay with Quicken. Of course, I chose these idiots because they already had all of my information and could move pretty fast from that point on. But that's not the end of it. Guess what? They need me to fill out more paperwork. More!! 

I'm coming up on the six month point and the only message I've received from these people is the loan has been approved, but they needed more paperwork. Guess what? They'll have to get it the best way they can because I'm done. I've written the FHFA, but they can't really do anything, so they forwarded my information elsewhere. At this point, I just want the word out about these scam artists. The more people I keep away from them, that more gratified I'll be.


This report was posted on Ripoff Report on 07/22/2013 02:49 PM and is a permanent record located here: http://www.ripoffreport.com/r/Proficio-Mortgage/Independence-Ohio-44131/Proficio-Mortgage-Id-rather-have-a-dozen-root-canals-then-to-waste-another-6-months-with-1069152. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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