ComplaintsforMann Mortgage LLC

• Initial Complaint

  12/15/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have fallen victim to identity theft, with unauthorized transactions and suspicious activities tied to my identity. Despite filing a police report, I am in need of assistance to resolve this issue. My primary goals are to recover my financial losses, clear my name, and seek your guidance in removing this inquiry from my credit report. I am hopeful that you can assist me in navigating through this challenging situation.---------------------------------------*********************** 11/08/2023

  Business response

  12/20/2023

  Dear **************************,
  It appears that you inquired about a mortgage loan with Mann Mortgage on 11/8/23. According to your loan file, you provided identifying information and authorized us to run a credit report at the time of your inquiry. Your loan closed on 12/18/23. At this time we have no reason to believe the inquiry was fraudulent, and therefore we cannot remove the inquiry from your credit report. We appreciate you bringing the matter to our attention. If you have any additional questions, please reach out to your loan officer or ***********************************.

• Initial Complaint

  03/16/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  In 2021 I purchased my property at ***************************************************************** intending to have a modular home constructed and convert the property to my permanent residence.I started the process with the local modular dealer and construction company *********, A J Construction. Locally owned and operated by ***** and ***************************. ***** referred me to Mann Mortgage and particularly *************************** Stating this is who they use for financing modular, and they had a very good working relationship.I blindly trusted and had faith in both entities. I deferred to their expertise and judgment, not having any knowledge myself, of construction loans, the process of modular builds, or the construction processes involved.I entered into a purchase and construction contract with AJ and started the loan process with Mann Mortgage in March of 2021. The initial loan process was delayed. It took so long in fact that I needed to do a second credit check since the first was over the limit. When I asked ** and Mann Mortgage what was the reason for the **************** stated Mann Mortgage wrote the loan documents wrong and Mann Mortgage stated ** sent the wrong information. Either way, both entities agreed a new set of documents was needed. I signed on 8/20/21. That same day the documents needed to be redone again as there were problems again. The first set had the wrong information, some information was not accurate and they needed me to sign again. The mobile notary had to come to my place of work at almost the close of business. When I returned to get my copies I was only given one set.AJ promptly started the Draw process. The first draw was issued on 9/2021. I was told numerous times over the next 12 months that my home was on order at the modular factory with various reasons for the delay.Meanwhile, every time I asked for documents or copies or details, I was referred to someone else. All parties appeared to be attempting to help but seemingly had no access to what I was asking for. **** referred me to ******************************* or AJ, ***** referred me to **** or AJ, and ** referred me to **** or ************* construction phase end date was 6/2022. I asked initially about this date and was told it was simply an estimate due to a 6-month build estimate from AJ. It was never explained that there was a limit on construction timing. Therefore, the date passed, and not one person ever made mention of it.A second Draw was requested on 9/2022. The draw was authorized. Again, seemingly to me, this must be normal if Mann Mortgage is still issuing funding. Shortly thereafter I started to have more questions. I asked on multiple occasions for any paperwork related to my build. There was none. I started attempting to contact the modular manufacturer, who was vague, and in the end, told me that they do not deal directly with customers, I had to go through AJ. I had been attempting to talk to ** for a year. My calls went ignored or my questions were referred to Mann Mortgage or the manufacturer.According to conversations with *****, ****, and several people at AJ.The manufacturer required the full cost of the modular up front, at the time of order. However, the total for the two draws was more than the modular cost. ** told me many times they cannot start any property construction or permits without the serial number from the modular to place on the paperwork.A year and two draws later all I had was words, a construction contract, a construction loan/mortgage contract, and payments for disbursed funds that had produced nothing. Not one spec of dirt was touched on my property.On 12/20/2022 **** contacted me by phone to inform me that the expiration/default/conversion end date of my construction loan was in two months on 2/20/2023 and no extension was available. I was in shock and very confused. Numerous questions led to further questions that have never been answered to this day.Why were any funds disbursed without proper documentation?Why was a second draw issued when there was no progress from the first?Why was a second draw issued if the construction phase deadline was already 3 months expired?Why was a second draw issued with no plausible time left to start and complete the project prior to the construction/home conversion date?Where were the funds?Why do they keep having property inspections when nothing is or has been ordered?Upon asking these questions and more it was noticed in Jan 2023, that Mann Mortgage did not have the second draw (Sept of 2022) wire transfer receipt documentation from ************ mobile home manufacturer never had an official order with deposit payment for my home.As I tried to sort through the confusion with no sense of what I was doing, I had various phone calls, emails, and text messages trying to get documentation of any sort, answers, understand the process, follow instructions, and contact the next person as instructed. During the numerous communications with **** and *****, on Dec 20,27,28,29,30, 2022.Jan 4,5,9,19,20,23,24,25,26,30 2023.Feb 3,7,8,9,10,11, on 1/5/2023 **** had advised me to write a letter to ** requesting they return all funds. I followed those instructions. None of my contacts produced any factual answers, explanations, or records. I had asked several times whats next? or where do I go from here? What happens now? The only answer from **** was to draw up new documents for a second close.I decided a face-to-face meeting with **** would better obtain an understanding of the chaos. At the time of that meeting, 2/13/23 We were waiting to see if the funds would be returned by **. **** was still thoroughly insistent that I must go into a second close he stated four times during the meeting this was the only option. When asked why is it the only option, his reply each of the four times was because F**** *** and **************** wont allow it. My question, still at this moment, is allow what? **** never explained to me what was the purpose. He did explain when asked that there would be additional fees for another closing and that if I failed to make my payments Mann Mortgage would take my property that was used as collateral.We were already past the point of no return.He knew there were no contracts, documents, work orders, or receipts provided by AJ to support the draws.He knew the modular manufacturer did not have my funds.He knew my home was not in order or build phase at the manufacturer.He knew that ** had not touched 1 spec of dirt on my property.He knew that the contracts I did have were all expired with nothing produced.I had proven that my construction funds were misappropriated to which he became angry and refused to discuss.He in fact stated more than once that I would need to retain an attorney.I had asked if this build loan could be renewed or two-time close with a different contractor and modular dealer he said no. So why a two-time close? The meeting ended because **** needed to eat lunch. He had said he was hungry many times after he realized I was not going to do a two-time close. I had waited 11 days for this meeting that was pre-scheduled for 100pm. He should have planned accordingly.Given the direction of the meeting and the facts discussed, Im still confused why he kept insisting on a second close.I left that meeting still confused. **** said he would call ************************* with my questions after he ate. I was to call him in a few days. **** said he was my advocate in this mess and that he would get answers.Why were the funds disbursed without proper documentation?Why were funds dispersed a year apart without progress?Is there any documentation to support any funds being drawn?He questioned why a well had not been Bid on or contracted When I called a few days later he simply said oh, what were your questions? I don't remember that. The following week ** sent me a form to sign before they would return the funds. The form falsely stated that I had voluntarily terminated my building contract with them. I refused to sign the form. **** then requested that I sign it. He stated to me in an e-mail that he needed it for his file in case of an audit.Now that the money is all returned, I have been given several different sets of numbers that I must pay to close out my loan and remove the lien from my property. Those have included the entire escrow, title, and closing costs, or variations of numbers within. I have been told again, to contact another party, another party, for clarification.I've already been paying on this loan for 18 months. Why must I pay more closing and title fees for a project that was never started?Now that I finally received, from the title company, both sets of documents signed the totals are not the same. I was told the only difference was particulars from AJ construction. On 3/9/2023, ***************************** has given a final closing/escrow costs owed of $11,915.03. I am being told by him I must pay this, in addition to the payments already paid on the loan for 18 months before it can be closed out and the lien released on my property.This entire situation has been mishandled from the beginning. I had an opportunity for an excellent rate which no longer exists in the market. As well, my life has been held up far too long and now I must wait for others again to decide what payoff will be needed before the lien is removed from my property so that I can start over with different companies. At this point, I have been advised by several parties, and I agree that I should receive a refund of all fees paid and be relieved of any further charges. The lien on my property should be released immediately. There have been far too many changes to the amount owed for the close of my loan that I am not sure what it is at this time I am doing my best to get an answer from the bank.

  Business response

  03/30/2023

  Thanks for your patience, and for bringing these concerns to our attention. We strive to provide excellent customer **********************, and understand that your experience with us fell short. Our ********************* is working to resolve the matter.

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