Up to one week prior to closing, I was working with XXXX XXXX on my mortgage. On Tuesday, XXXX XXXX, I was notified that XXXX was no longer with Element, and I would be working with XXXX XXXX and XXXX XXXX. 
When I was introduced to XXXX by XXXX XXXX at XXXX ( our builder ), I already had a mortgage. I was enticed into switching to Element to take advantage of a builder $ XXXX credit toward closing costs, and a lender $ XXXX credit toward closing costs. 
On XXXX XXXX, I inquired with XXXX XXXX and XXXX XXXX about the HUD, as I did n't think it was correct ( email attached ). I continued to ask if everything was correct, and if we were good to close on Friday. I received an email from XXXX stating " yes ma'am, we were all set for Friday ''. At no point did XXXX or XXXX tell me that we were not getting the $ XXXX closing credit from Element. It was n't until XXXX hour past the scheduled closing time that we received a new HUD, which did not include the lender $ XXXX credit. 
Upon receipt of the incorrect HUD ( at our closing appointment ), we rang Element. Neither XXXX nor XXXX answered at first, and we were forced to sit at XXXX XXXX office waiting to hear back. I did end up hearing back from XXXX and XXXX, and they said no, you are not receiving a credit from us. 
I was extremely upset, and was told to speak with a Manager at Element, I believe his name was XXXX ( XXXX ) the number he called from is XXXX. The manager agreed to a $ XXXX credit, and in the same conversation said he had to fire the entire division that XXXX worked in- which leads me to believe that the issue is much larger than just my mortgage. 
This is mortgage scam/ fraud to lure customers in, not answer their questions, and spring changes on them when it 's too late for you to do anything about it. I was forced to continue with the closing or essentially become homeless. 
