Complaints

• Initial Complaint

  01/14/2025

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  The business is calling me multiple times a day, 4 times today, without leaving a voicemail. I have never contacted them or signed up for anything with them. I assume they are calling because I am attempting to purchase a home. I don’t know how they got my number but I don’t believe harassing someone should be an acceptable business practice. Their business name is the only one that pops up on my caller id or I would be submitting more complaints.

  Business response

  01/15/2025

  NFM, Inc. (“NFM”) received a Consumer Complaint from the Better Business Bureau (BBB), stating that you were receiving several solicitation phone calls, and when you don’t answer, no voice message was left.  We have investigated the claim and have come to the following conclusion.
  
  We feel that NFM, Inc. is not the originator of these calls.  We have checked every database we have, and your name or information does not appear in any of them. Often, these types of solicitations come from outside companies that get their information from public venues, such as your local courthouse. 

  NFM values its relationship with its Consumers and appreciates the opportunity to resolve this issue.  Should you have any questions, or require additional information, please do not hesitate to contact the Consumer Complaints Department at ******************@nfmlending.com.

• Initial Complaint

  12/10/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  On numerous occasions I have been sent offers in the mail regarding my current home loan. This company is not associated with the VA or my current lending organization and I have asked them via phone conversation in the number provided in their mailers to take me off their list delete my information and to stop trying to contact me. This has been going on for over two years. The company continues to send me mailings and refuses to take me off their mailing list violating my right to privacy. I am seeking assistance in getting my information removed from their company and to stop this harassment via Mail to do business with the company I have no intention of doing business with. I am dubious of the legality of them even having my information to begin with and would like my information removed at once, once and for all!!! I am not sure what legal action I can take against them and I'm hoping that they will get this complaint and act on it and remove my information. If not I feel I have no other option but to try to pursue some type of civil litigation against this company in the abuse of my personal information.

  Business response

  12/11/2024

  Dear Mr. ********:
  
  NFM, Inc. (NFM Lending) received a Consumer Complaint from the BBB, stating that you have been
  receiving solicitation mailers for the last two years, and that you consider this harassment. We have
  investigated the issue and have come to the following conclusion.
  
  NFM Lending is not the originator of these solicitation mailers. We have searched all our databases,
  with your name, email address and property address and you do not appear in any of them. By the
  look of the example you sent with your complaint, these mailers are coming from another source not
  affiliated with NFM Lending.
  
  Often, outside companies gather information from the local Courthouse, sending out thousands of
  mailers, as a solicitation for business. NFM Lending does not share information with outside agencies
  without express authorization from the Consumer. As a result, you would have to contact the
  originating company to have your information removed from their database.
  
  NFM Lending values its relationship with all Consumers and appreciates the opportunity to resolve
  this issue. Should you have any questions, or require additional information, please do not hesitate to
  contact the Consumer Complaints Department at consumercomplaints@nfmlending.com.
  
  
  Respectfully,
  
  Consumer Complaints Department

  Customer response

  12/13/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  As you can plainly see in the attached mailer that I received this company's name and information is all enclosed in the verbiage. This is where I got the information to file a complaint from and they are the ones that I hold responsible for this violation of my privacy rights.

  The fact that they were respond in this irreverent manner is insulting and just shows that they did absolutely nothing to investigate the situation completely and do anything to assist me in a solution to the problem. In this day of information Technology in the corrupt Data transmissions to bad actors it is important that we protect our data and see to have it removed from companies that we do not desire to do business with!

  If the parent company does not have my information one of their subsidiaries or customers has it and I feel that they need to do everything in their power to see that it is no longer disseminated and is removed from all databases!
  
  Sincerely,
  
  ******* ********

• Initial Complaint

  04/13/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Mortgage was sold to another lender. Gave me 5 day notice. I already made Aprils mortgage payment. NFM demanded I provide proof of payment before they would return my money. I IMMEDIATELY provided proof. They then forwarded MY money to the new lender. I had already made that payment. I want NFM to return my mortgage payment in the full amount back to me.

  Business response

  04/13/2023

  NFM Lending is in receipt of and acknowledge this complaint. We are investigating the claims and will provide a response by/before the due date.

  Business response

  04/24/2023

  To Whom it May Concern,

  Attached, please find the official response to the complaint brought by ******** ********.  If you should have any questions, please feel free to contact us again.

  Respectfully

  Consumer Complaints

  NFM Lending

   

• Initial Complaint

  08/03/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  See attached documentation - Mr. C****** and his company approved me for a mortgage and then when their underwriter wouldn't approve the mortgage, two days before closing, he ghosted me, my realtor and seller (**************). He then tried to say the mortgage didn't go through because I wouldn't submit documentation, however, the documentation attached will show that I provided the requested documentation, consistently checked in to make sure there was nothing else I needed to hand over and requesting status updates on the mortgage. In addition, Mr. C****** ignored multiple requests to send me a mortgage statement and other key documentation. On the advice of two venerated mortgage lenders, they recommended I submit a complaint to the Better Business Bureau, Virginia SCC and the Consumer Protection Financial Bureau.

  Business response

  08/22/2022

  Business Response /* (1000, 7, 2022/08/11) */ NFM Lending has provided a response directly to the consumer, attached herein. We believe this response fully addresses the concerns outlined in the correspondence. If you have questions concerning this response, please contact our Consumer Complaints Department at ******************@nfmlending.com or 443.********. Respectfully, NFM Lending Consumer Complaints Department Consumer Response /* (3000, 11, 2022/08/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) To note, NFM Lending never responded to my complaint "directly" as they say in their letter. In response to NFM Lending's response to my complaint, I want to clarify a few general generalizations they made: 1) I should have never been approved for a loan: NFM is saying all loans are conventional. I am aware that the loan was conditional, however, using the basic debt to income equation standard in the lending industry, I shouldn't have been approved for a loan at all. If NFM had done their due diligence, and not approved me for a loan, I wouldn't have sent the deposit to **************. 2) I did fulfill the requirements to obtain a mortgage. that was until Mr. C****** missed the closing date, was not forthright with what was going on in the days leading up to the closing and then came back two days after the initial closing date with a list of non-sensical requests. At which point I could not trust him and questioned his integrity at which point he ended our relationship. 3) Mr. C****** mis-represented himself. If you look at his ****** reviews he has an average of 4.9 Stars on ******. It was brought to my attention from a member of the selling team that over 40 of those reviews have no comments and are friends that he had promote him. This is disingenous and honestly, really lame. A true professional doesn't need to do something like this.

• Initial Complaint

  06/18/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  My NFM mortgage autopay was stopped or cancelled without timely notice. I randomly checked my account and received a letter last week that it is in default. I emailed customer service but the company is continuing to push their default case against me forward despite paying up to date and setting up autopay for the 2nd time. I did hear a vague rumour that my mortgage was sold to another company but I still have no official notification and I'm wondering if my account is no longer priority with NFM. Please help me remove/reverse the damage to my credit report, refund the late fees, and get confirmation from NFM that my escrow account is making the proper timely payments to avoid further penalites. Upon review of my account, I can see that the notifications I requested were turned off (not my choice) but my bank account information was still there. I check every few days to ensure that autopay is still turned on. I cannot get through to customer service by phone or chat and am urgently waiting for contact with the new servicer if they exist.

  Business response

  07/14/2022

  Business Response /* (1000, 9, 2022/06/29) */ Dear Mr. Guterl, We apologize you are not having the best experience with NFM Lending. At NFM, we always strive for an excellent customer experience, and open lines of communication for everyone. We take all feedback seriously. Thank you, for the explanation of your work schedule as we've tried to reach you via phone several times (see log below). Our business hours are 9am-4:30pm Est, Monday - Friday, however, we've made accommodation to try and reach you after hours. NFM Lending, has been working cooperatively with our Subservicer, ********* (also known as *************), to get to a resolve on your behalf. ************* has until 7/15/2022, to provide a full explanation and response. NFM, can offer the following explanation, and will contact you via phone, or email with additional information. A notice of Loan Servicing information was mailed and emailed to you on March 8, 2022. This provided information on the new Subservicer and how to setup online payments. The notice provided information of the change to your New Loan Servicing number (#**********), previously (#***********). Online payments were setup for your new loan servicing #**********, by you, or someone you have authorized, on June 14, 2022. The loan is current, and not showing being in default. Your next payment is due July 1, 2022. There was a late fee mistakenly applied to your account May 2022 This has since been credited by to your account towards the principal balance of your loan. NFM Lending Consumer Complaints Department is looking into this on your behalf and will communicate with you if additional findings are discovered. You may also reach out to Consumer Complaints directly at consumercomplaints@nfmlending.com, or call 443-550-5194. Respectfully, Consumer Complaints Manager consumercomplaints@nfmlending.com Consumer Response /* (3000, 11, 2022/06/30) */ thank you for working with ********** and crediting my account. I am waiting for their documentation of the new account so I can set up autopay. For now, I am making manual payments on the nfm system as ********** assures me they are receiving the funds and paying properly out of the escrow. If you do need to call me again (I prefer emails), please do NOT use an anonymous number as I screen phone calls. Either way I do get your voicemails but unfortunately have called back and only reached your voicemail. Business Response /* (4000, 16, 2022/07/07) */ NFM Lending has provided a response directly to the consumer, attached herein. We believe this response fully addresses the concerns outlined in the correspondence. If you have questions concerning this response, please contact our Consumer Complaints Department at consumercomplaints@nfmlending.com or 443.550.5194. Respectfully, NFM Lending Consumer Complaints Department Consumer Response /* (3000, 18, 2022/07/14) */ Sorry i dont see the rebuttal attached. I've given up on autopay and will push the payments manually until i can set up autopay with **********. I will check next month to see if there are any more late fees.

• Initial Complaint

  04/13/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  NFM Lending is my mortgage holder. I pay into escrow for my property taxes. I received a delinquent tax notice from Frederick County. I contacted NFM Lending on 3/25/22 and they advised to send the bill to there customer service email and i did on 3/25 I received a response back that they could not open the attachment and I resent it on 4/8. I received not response after that. I spoke with NFM Lending by phone and they confirmed they had the tax bill. On 4/8 they advised the were escalating the process. as on 4/13 I have received no response as the status. I confirmed with Frederick County that they have not received the tax payment. I contacted NFM Lending again on 4/13. the first person advised that the account was in the escalation process. I asked to speak to a supervisor and they advised they emailed the escalation team since i have not been contacted by them. I asked to speak directly to the escalation team and she advised I could not. I asked her for confirmation that my tax bill was getting paid and she said that that is not her department and that the tax department handles the taxes. I asked to speak with the tax department and she said she cant do that. She advised they do not have a phone number and she is unable to transfer me to them. I asked to speak to someone who can give me confirmation my taxes are going to be paid and she said she could have her supervisor call me back . I asked to be transferred to her supervisor and she said that is not there protocol. she advised she would put a call back request in and it could take 24-48 hours. I told her that is not acceptable because my house will be advertised for tax sale in 48 hours. I told her to transfer me to her supervisor and she refused and just stated that is not our protocol. I asked her what happens if my house is sold at tax sale because they have not paid my taxes. and she stated she did not know that would be the tax departments area. I askedagaintotalkto thetaxdepartmentandshesaidshecant

  Business response

  04/20/2022

  Business Response /* (1000, 7, 2022/04/20) */ NFM Lending is in receipt of and acknowledge this complaint. We are investigating the claims and will provide a response by/before the due date. Respectfully, NFM Lending Consumer Complaints Department consumercomplaints@nfmlending.com.

*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. ↩