ComplaintsforSupreme Lending

• Initial Complaint

  02/15/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Problem began 2021 ***** Everett Financial,Inc continues to contact me via government mail. Sending constant harassment soliciting business for Home Warranty policy. Which I continue to decline any services from this company. I have advised them repeatedly by phone and written correspondence to not contact me that I am not interested in there business. However, this harassment continues to escalate. I return mail, refuse mail & call them to remove my name from there database. It seems to only continue.

  

  Business response

  02/20/2024

  Dear ***********************: 

  Thank you for reaching out to Everett Financial, Inc. D/b/a Supreme Lending.  Supreme Lending is a mortgage lender and is not associated with any Home Warranty Company.  I called the number listed on the letter that you showed in your complaint and spoke with a representative of Forever Home.  

  Again, We are NOT associated with ********************* Policy.  

  Should you have any questions, please feel free to contact Supreme Lending at ********************************************

   

  Thank you, 

  *********************

  Consumer Relations

   

   

• Initial Complaint

  02/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I sold my house in 2022 but a late payment was reported in 2023. This discrepancy postpone a purchase of a new property. Supreme Lending was not helpful at all, this company knows how to say F*** You with a smile on their face.Don't use them for a mortgage as they don't care about people. It's like you are talking to a computer.

  

  Business response

  02/09/2024

  Dear BBB: 

   

  Please see the response from our ******************** regarding this complaint.  

   

  If you have any questions, please feel free to contact me.  

   

  Thank you

   

• Initial Complaint

  01/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  back in july 23 i wound up being scammed i wasnt recieving anything from supreme lending so come nov 23 i found out i was scammed so fast forward i have been trying for 3 weeks to make a **** dollar payment to them the scam has put me way behind and im trying to give this amount and catch the rest by april they refuse to take my payment until they decide on my hardship being approved or not approved which if that happens they want the full amount i feel like they just want to foreclose on my home instead of helping in any way who refuses that much of a payment

  

  Business response

  01/19/2024

  Good afternoon,
  
  ****************** entered into a Covid-19 Forbearance effective 2/01/2022. At the end of the forbearance plan, ****************** advised us that she was ready to resume making normal payments, so we supplied her with a Partial Claim agreement which would bring her account current and due for 9/01/2022.However, ***************** failed to make any payments after partial claim was completed and instead received state assistance in December 2022.
  
  ****************** then ceased communications with Supreme Lending due to Cease & Desist order received effective 7/20/2023 and no payments have been made since. We have since received Ms. ******** request to remove American Home Solutions from the account as of 12/28/2023.
  
  Furthermore, the loan is now due for 6/01/2023-1/01/2024, in total for $13,057.72. We are unable to accept $6,000.00. At this time,we would need total reinstatement since ****************** appealed the assistance offered 11/16/23 for a repayment plan effective 1/2024-8/01/2024. 

• Initial Complaint

  09/12/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been asking for 2 1/2 weeks for a 'Successor in Interest' letter from the mortgage company to help prevent me from loosing my home and getting assistance and they will not help me in any way. I have emailed them all the court documents and provided them with all the information needed and they keep refusing to assist me. This has been an issue with this company for the last 2 years. They withhold information, they dont try to help you in any way. Im tired of this issue and I need the problem relived asap

  

  Business response

  09/18/2023

  Dear ********************,

  Thank you for reaching out.  Please find attached here the requested letter.  Additionally, this has been emailed directly to your email address by our **************** Department.  If you have any further questions, please feel free to follow up with us at ************** or ********************************************.  Thank you.

  Respectfully,

  Consumer Relations

   

• Initial Complaint

  08/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am contacting you to request an investigation into a potentially fraudulent inquiry on my credit report. I have no recollection of engaging in any transactions with the mentioned company. Consequently, I kindly ask for substantiation of any services I might have purportedly obtained from the company. In the absence of such verification, I respectfully request the removal of the aforementioned inquiry from my credit report. Your prompt attention to this matter would be greatly appreciated. EVERETT FINA 11/28/2022

  

  Business response

  08/15/2023

  Dear **************,
  
  Please accept our response to your request to remove an inquiry from your credit report. Inquiries that are a result of a legitimate review of your credit history cannot be removed.
  
  A review of our records indicated that you were referred to your Loan ******** ************************* by your realtor, ************************** You authorized credit by providing the online application on 11/25/2022. The provision of your personal financial information and the authorization to pull your credit report in connection with the application for a mortgage loan constitutes a legitimate business purpose.
  
  If you have any additional questions, please feel free to contact us at ********************************************. 
  
  
  Respectfully,
  
  Consumer Relations

• Initial Complaint

  04/03/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I closed on a home June 24, 2022 with supreme lending. My loan was transferred from them in October 2022. Fast forward to March 27, 2023 I start getting credit alerts that someone ran my credit. I look more into and see the company that ran it and I called them. They told me that Supreme lending requested my credit report. I called into the customer service line and was given an email to their customer relations ***** *********************** told me that my credit was ran as part of their quality control program. He couldnt explain what it consisted of or even what it was, only that they dont disclose their internal practices or procedures. Over the last two days I have gotten over 130 phone calls, text messages, and emails from mortgage companies saying that they see or heard that I am shopping for a mortgage. When I was initially shopping and they ran my credit I didnt receive one call from anyone else saying this, because I surely wouldnt have went with supreme.

  

  Business response

  04/04/2023

  Supreme Lending
  NMLS #****
  

  4/4/2023
  
  ***********************
  ****************************************************************
  Daytime Phone: **************
  E-mail: *********************
  
  VIA: Better Business Bureau
  RE: Billing or Collection Issues
  
  
  Dear ***********************,
  
  Please accept this letter as acknowledgement to your Billing or Collection Issues.  We are reviewing our records and will provide a formal response.
  
  Should you have any questions during our investigation please feel free to contact us at ******************************************** or ************.
  
  Thank you. 
  
  
  Respectfully,
  
   ***********************
  ***********************
  Consumer Relations Specialist 

  
  

  

  Business response

  04/11/2023

  Dear ************,

  In addition to the emails you have provided, we would again direct you to the attached signed documents which both authorize the credit inquiry made as part of the post-closing Quality Control audit of your loan.  When you requested our Quality Control process, we simply stated to you that we do not disclose our internal policies and procedures with any outside parties.  This remains true.  We also explained that the calls you have received regarding possible credit offers from other companies are not due to any information being shared by Supreme Lending, and provided directions on how you may opt-out of those pre-screened credit offers directly to avoid receiving those solicitations.

  In conclusion, the documents attached confirm your authorization of the credit inquiry for the permissible purpose. The provision of your signature to pull your credit report in connection with the application for a mortgage loan and the quality control program constitutes a legitimate business purpose.  Inquiries that are a result of a legitimate review of your credit history cannot be removed.

  Respectfully,

  Consumer Relations

• Initial Complaint

  11/11/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Our home builder partnered with Supreme Lending, requiring us to use them for our preapproval. Once we were preapproved, Supreme Lending offered us a rate lock incentive for a 9-month rate lock with up to three 30-day extensions. We accepted the offer as outlined and had our interest rate locked in with Supreme Lending in February 2022 expiring 9 months later on November 18, 2022. Once it looked like we may not close by the initial rate lock date of November 18, 2022, I began asking Supreme Lending about the 30-day rate lock extensions that were advertised. I was told the extensions were no longer available. We now know we will not close before the initial 9-month date of November 18, 2022 and Supreme Lending is refusing to honor their rate lock extensions as advertised. I reached out to Supreme Lending's complaint department and was redirected to the Operations Manager in their branch who again told me they are no longer honoring the three 30-day rate lock extensions that they advertised in our model home as recent as September 2022. We are working to keep the interest rate that we were told was locked in for us for up to one year.

  

  Business response

  02/06/2023

  Business Response /* (1000, 5, 2022/11/17) */ Dear Mr. *******, Please accept this response to address the concerns you provided regarding the rate-lock expiration and extensions offered in the marketing materials you referenced in your complaint. A review of the marketing materials which you referenced (a complete copy is attached here) resulted in the confirmation of the disclaimer message at the bottom of the flyer. The first paragraph of the disclaimer states that it is "Not an offer or agreement," and that "information, rates and programs are subject to change without notice." Additionally, the last paragraph of the disclaimer specifically references the three 30-day Rate-Lock Extensions and very clearly states "Special Incentive Programs subject to change without notice". The disclaimer provides notice that Supreme Lending may change or make unavailable the Rate-Lock Extensions, as occurred in July 2022, and has been explained by your Loan Officer and Branch Management. We understand that you disagree with this, however, there has been no wrongdoing and the special program that you have referenced is simply unavailable. Rates are never guaranteed until they are locked, and so while the promotion with the three 30-day rate lock extensions was available when you began your loan application, since they are not currently available, if the lock expires your rate will be based on market conditions at that time. We appreciate the opportunity to review this for you. Respectfully, Consumer Relations

• Initial Complaint

  10/03/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I received a letter from ******* Financial Inc. Home Warranty Division offering a now inspection home warranty on home repairs and maintenance giving examples of Air Conditioner, Refrigerator, Hot Water Heater, Furnace, Appliance and others. the offer requested that I respond by 9/1/22. I called the number ************** extension *** and spoke with **** ***** **** **** offered me the package for $100.00 saying I would get a letter outlining the play with an ID card and I had until October 5, 2022 to decide. If I canceled prior to 10/5/22 I would get my $100.00 refunded in full. I called the claim department to get two items looked at my refrigerator and dishwasher. They told me I wasn't allowed to make a claim because I had to wait 30 days which would be 9/28/22 and I was a few days early, to call back after 9/28/22. I called back on 10/3/22 to get the dishwasher looked at (in the meantime I had to replace my refrigerator) and they stated I could not make the claim because I had previously called for this item prior to the 30 days so my dishwasher was not eligible. I stated I wanted to cancel the insurance immediately and get a refund of my $100.00 because I didn't understand the rules and I never received my package with my information. They cancelled the insurance but refused to refund the $100.00 stating I had to cancel prior to 9/28/22 which was news to me because **** **** stated I had up to 10/5/22. They stated the computer would not allow for the refund and per my policy that was mailed to me I had to cancel prior to 9/28/22. I reminded them that I did not receive a letter and that I was told by **** **** I had until 10/5/22 and to pull the recording. They refused and would not in any way mitigate or escalate the issue to look into my situation. I am writing to report that I would really like my $100.00 back but even more importantly to report the poor policy the home warrantee division of ******* financial, Inc. that runs itself like a scam.

  

  Business response

  12/05/2022

  Business Response /* (1000, 5, 2022/10/04) */ Dear Ms. **********, Please accept this response to address the concerns you provided regarding your home warranty. ******* Financial, d.b.a. Supreme Lending, does not have a Home Warranty department, nor do we offer Home Warranties. There is not an employee by the name of **** **** employed by ******* Financial, d.b.a. Supreme Lending. Unfortunately, it sounds like you are dealing with a company who may have represented themselves as being connected to Supreme Lending, but they are not. If you received any kind of letter or mailer from them that you could send to us for review, we would be happy to do so. Please feel free to send anything you may wish for us to review to *****************@supremelending.com. Respectfully, ******** Relations

• Initial Complaint

  09/11/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  less than 24 hours before the closing Supreme Lending told us that they were off on the cash to close estimates by nearly $5000. We were completely stuck with nowhere to go and had to scramble to make the closing happen. It has now been five months with no follow up. I'm not sure if it's a lack of competence or a deliberate move to keep us from shopping other companies by low balling the estimate.

  

  Business response

  11/08/2022

  Business Response /* (1000, 5, 2022/09/19) */ Dear Mr. ********, Please accept response to address the concerns you provided regarding your cash-to-close amount. A review of our records indicated that the Loan Estimate provided to you on 02/24/2022 included a total of $24,240 expected for the Cash-to-Close amount. The Closing Disclosure provided to you on 04/07/2022 disclosed the final Cash-to-Close amount of $16,043.43. Your signature on 04/08/2022 indicates your acceptance of those terms. Additionally, our records do not reflect any last-minute increases in the Cash-to-Close amount which you've mentioned, however, if you have any information you could provide which you would like for us to review we'd be happy to do so. Please feel free to contact us at *****************@supremelending.com. Respectfully, ******** Relations ******** Response /* (3000, 7, 2022/09/20) */ (The ******** indicated he/she DID NOT accept the response from the business.) Somebody from supreme lending reached out to me and I provided them with all the documentation needed. To see this response from them completely ignores the communication from me So I will go ahead and screenshots of our conversations. You can see cash to close estimates that were given to me between 11,000 and 15,000 depending on if I chose to to buy down the rate ot not. You could also see a screenshot from the conversation in April when they quoted me 13,000 hundred for closing costs are still a few thousand less actually happened Please take a look at the attached photos Business Response /* (4000, 9, 2022/09/21) */ Dear Mr. ********, Thank your for your reply. The mortgage coach and email you provided are not "quotes" for your cash to close amounts. The mortgage coach provides different scenarios with general loan terms and is not a disclosure of your loan terms. The email screen shot you provided does not indicate the amount that would be necessary for cash-to-close, but rather it states the amount needed to show reflected in your bank account on the March 2022 bank statement. The Loan Estimate and Closing disclosure provided in our response clearly state the Cash-to-Close amounts and are disclosures specific to your loan. We appreciate the opportunity to clarify this for you. Thank you. ******** Relations ******** Response /* (4200, 11, 2022/09/22) */ (The ******** indicated he/she DID NOT accept the response from the business.) I see your response, it it's hard to believe that you would give people estimates on cash to close & money needed to close and then say those were not official. I was told verbally The cash to close quoted was always high to help prepare me and not to worry because the mortgage coach would be worst case scenario. You will notice in the screenshot (& in the conversations that I have forwarded to you) that I questioned the cash to close and was not set straight at any point in time. They were intentionally dodging the question Looks like I was being played here

• Initial Complaint

  07/20/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I've attempted to settle this dispute with Supreme Lending directly and have been belittled and patronized, certainly not taken seriously. My interaction with Supreme Lending was to see if I could buy a house for myself and my young family. I talked to "Joey" in October 2020. "No problem" he told me. NO MENTION OF NEGATIVE CREDIT REPORTING We find a house and here comes a woman named "Lori" She says, "I'm Supreme Lending now" NO MENTION OF NEGATIVE CREDIT REPORTING. We never did business and now I have negative marks on my financial reputation. I want these hard inquiries removed. All three credit agencies, one hard inquiry in oct. 2020 and one in march 2021. These are fraud. It was fraud by inducement occurring when a misrepresentation leads another to enter a transaction with a false impression of the risks, obligations and duties. That's what Lori and Joey did of Supreme Lending. They committed fraud against me. Also, my understanding is that under the fair credit reporting act 1681 "any consumer reporting agency MAY furnish a consumer report under the following circumstances AND NO OTHER 2.) in accordance with the written instructions of the consumer (me) to whom it relates. I did not give these people written instructions to do negative credit reporting and injure my financial reputation, why would I do that? I came for an extension of my credit, not to be injured by this company and DEFRAUDED.I am requesting that you help me in making my credit report "Fair and equitable" to me.

  

  Business response

  08/29/2022

  Business Response /* (1000, 5, 2022/07/22) */ Dear Mr. ******, Thank you for your letter regarding the credit inquiry dispute. Supreme Lending has not furnished negative credit information and is not a Consumer Reporting Agency. Supreme Lending only has reported the credit inquiries made as part of your mortgage application as required by law, to which we have already provided our responses (attached here) to your disputes. There has been no new information presented which would conflict with our prior responses. We appreciate the opportunity to resolve this for you. Please note that this matter is now closed. Thank you.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩