I am writing to let you know how extremely dissatisfied I am with Consumer Real Estate Finance Co. We applied for a loan with XXXX XXXX XXXX your XXXX XXXX, FL location and was told we were pre-approved for the loan. My wife and I placed a house under contract and paid a {$1000.00} binder on the property. Our agent called XXXX when we wrote the offer to confirm the time it would take so we could set realistic closing expectations with the seller. We paid an inspection fee of {$250.00}, a WDO fee of {$140.00}, an appraisal fee of {$450.00}, and a credit report fee for a total over {$1800.00}. We were told several times that we were approved and just collecting underwriter conditions. Then we were told that we are not approved by XXXX XXXX. He told us we should go FHA. They had our bank statements and knew we did not have {$7200.00} and had to go with USDA XXXX % financing. Then we were told we would be approved again because XXXX and his Manager, XXXX would make an exception with the underwriter. Then we were told they could not approve us again. All of this pushed us past the time for us to cancel the contract and receive refund of our {$1000.00} binder. Additionally, XXXX was sharing personal and misleading information directly to the processor for the listing agent team, not my agent. Because of the false information provided by your company, the on and off of the approval ( a formal decision was not issued until well after XXXX days ) and the eventual denial, I am requesting a full reimbursement of my expenses totaling {$1800.00}. 

Furthermore, I feel that filing a complaint through XXXX, HUD and the CFPB against CREFCO and individual XXXX complaints for what I firmly believe to be an Equal Credit Opportunity Act violation of Regulation B, 1002.9 and other possible sections of the law for unfair or misleading lending practices against my wife and me in the process of trying to get a loan for the purchase of a home for our family of XXXX will hopefully open their eyes to the financial harm you are causing our family and others. 

XXXX XXXX 
