Century 21 Mortgage ripoff Unauthorized electronic withdraw from bank account Mt. Laurel New Jersey

I encountered an issue of an unauthorized withdrawal from my account by Century 21 Mortgage, but it was not during a scheduled payment since, thankfully, I never closed a loan through Century 21 Mortgage. Mine was an unauthorized cancellation fee. I never had the intention of closing the loan; the loan never closed because of poor operations within the company.

Just when the loan was a week away from closing, I had to change jobs. My loan officer with Century 21 mortgage talked to underwriting, and came back with an answer that my loan could still close after they verified 30 days worth of income at my new place of employment. The closing date was extended to reflect this, and the seller of the home approved the extension; however, when the new date was approaching, it was announced by my loan officer that the loan could not close on that date. The reason had nothing to do with me. It was just that the underwriters weren't working on getting the confirmations they required to close my loan.

When my real estate agent (who also began to detest Century 21 mortgage after this) sent the forms to request another extension from the seller, they came back saying that they would approve the extension if i would pay a per diem fee for each day after the last approved closing date. When the new date set by Century 21 mortgage was apparently not going to happen either, we had to request another extension (yes it was very aggravating), but that extension was rejected. The seller became equally impatient, so they denied extension and kept the escrow deposit.

Even though the deal falling through was all at fault of Century 21 mortgage, they still charged my credit card the cancellation fee of $350. I called my loan officer, and she said they weren't supposed to charge anything and she would "take care of it." After waiting over a month to get the charge back, I finally called my bank's customer service department to dispute the charge. My bank removed the charge immediately, and they started their investigation. Rather than just accept that they were wrong to charge my account, they produced all the documents for my loan, including those that stated my card would be charged if I canceled the loan. (It also stated that I would not be charged if anything happened that was not my fault) They also produced a copy of a letter that they never sent to me, which would classify it as false evidence. I can't believe that they put me through all that. If I had just chosen a different mortgage company in the first place, it wouldn't have taken a whole year to finally buy and move into a house.

I encountered an issue of an unauthorized withdrawal from my account by Century 21 Mortgage, but it was not during a scheduled payment since, thankfully, I never closed a loan through Century 21 Mortgage. Mine was an unauthorized cancellation fee. I never had the intention of closing the loan; the loan never closed because of poor operations within the company.

Just when the loan was a week away from closing, I had to change jobs. My loan officer with Century 21 mortgage talked to underwriting, and came back with an answer that my loan could still close after they verified 30 days worth of income at my new place of employment. The closing date was extended to reflect this, and the seller of the home approved the extension; however, when the new date was approaching, it was announced by my loan officer that the loan could not close on that date. The reason had nothing to do with me. It was just that the underwriters weren't working on getting the confirmations they required to close my loan.

When my real estate agent (who also began to detest Century 21 mortgage after this) sent the forms to request another extension from the seller, they came back saying that they would approve the extension if i would pay a per diem fee for each day after the last approved closing date. When the new date set by Century 21 mortgage was apparently not going to happen either, we had to request another extension (yes it was very aggravating), but that extension was rejected. The seller became equally impatient, so they denied extension and kept the escrow deposit.

Even though the deal falling through was all at fault of Century 21 mortgage, they still charged my credit card the cancellation fee of $350. I called my loan officer, and she said they weren't supposed to charge anything and she would "take care of it." After waiting over a month to get the charge back, I finally called my bank's customer service department to dispute the charge. My bank removed the charge immediately, and they started their investigation. Rather than just accept that they were wrong to charge my account, they produced all the documents for my loan, including those that stated my card would be charged if I canceled the loan. (It also stated that I would not be charged if anything happened that was not my fault) They also produced a copy of a letter that they never sent to me, which would classify it as false evidence. I can't believe that they put me through all that. If I had just chosen a different mortgage company in the first place, it wouldn't have taken a whole year to finally buy and move into a house.

I encountered an issue of an unauthorized withdrawal from my account by Century 21 Mortgage, but it was not during a scheduled payment since, thankfully, I never closed a loan through Century 21 Mortgage. Mine was an unauthorized cancellation fee. I never had the intention of closing the loan; the loan never closed because of poor operations within the company.

Just when the loan was a week away from closing, I had to change jobs. My loan officer with Century 21 mortgage talked to underwriting, and came back with an answer that my loan could still close after they verified 30 days worth of income at my new place of employment. The closing date was extended to reflect this, and the seller of the home approved the extension; however, when the new date was approaching, it was announced by my loan officer that the loan could not close on that date. The reason had nothing to do with me. It was just that the underwriters weren't working on getting the confirmations they required to close my loan.

When my real estate agent (who also began to detest Century 21 mortgage after this) sent the forms to request another extension from the seller, they came back saying that they would approve the extension if i would pay a per diem fee for each day after the last approved closing date. When the new date set by Century 21 mortgage was apparently not going to happen either, we had to request another extension (yes it was very aggravating), but that extension was rejected. The seller became equally impatient, so they denied extension and kept the escrow deposit.

Even though the deal falling through was all at fault of Century 21 mortgage, they still charged my credit card the cancellation fee of $350. I called my loan officer, and she said they weren't supposed to charge anything and she would "take care of it." After waiting over a month to get the charge back, I finally called my bank's customer service department to dispute the charge. My bank removed the charge immediately, and they started their investigation. Rather than just accept that they were wrong to charge my account, they produced all the documents for my loan, including those that stated my card would be charged if I canceled the loan. (It also stated that I would not be charged if anything happened that was not my fault) They also produced a copy of a letter that they never sent to me, which would classify it as false evidence. I can't believe that they put me through all that. If I had just chosen a different mortgage company in the first place, it wouldn't have taken a whole year to finally buy and move into a house.

You said that you mailed a PAPER CHECK.

Now, there are companies that will 'electonically draft' the amount of the check, meaning they enter a draft for the original amount directly to your bank. When this happens, the paper check never processes. This is why you won't get a copy back, because there is no copy to send you. I can view my checks online, except the ones that are processed this way, so I would assume you can't see your check either.

IF this isn't the case, then there is a clear case of fraud, and you don't have to get the check back from Century 21, you can get it from your bank. If it was processed normally, then it is your bank's fault not the mortgage company.

My suggestion is threatening them with legal action and criminal charges if they do not refund your money.