My wife and I initiated a refinance through our existing mortgage lender, Pacific Union Financial. We started the refinance process with plenty of time for the loan to close prior to a 30 day late. We have never experienced a 30 day late in all of our years as homeowners. We were assured by the loan consultant that our loan would close/fund within 30 days. Although we signed all loan documents on XXXX XXXX ( with plenty of time for the loan to close/fund prior to end of month ), the loan did not close until XXXX XXXX, 2015. I have documentation in writing ( e-mail from escrow office to loan consultant ) explaining that a mistake was made in terms of the payoff amount and this caused a delay in closing our loan. Nevertheless, Pacific Union Financial reported my wife and I to the national credit agencies as being more than 30 days late in our mortgage payment resulting in a severe impact to our credit rating. I wrote a letter to Pacific Union Financial on XXXX XXXX, 2015 but was surprised to receive a response on XXXX XXXX stating that they were denying our request to correct this issue. This was an irresponsible reaction given that the mortgage lender was provided with the written documentation clearly showing that a mistake was made in the processing of our refinance. 
