Complaints

This profile includes complaints for Cardinal Financial Company, Limited Partnership's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Cardinal Financial Company, Limited Partnership

  3530 Toringdon Way Ste 200 Charlotte, NC 28277-3436

  
• 

  Cardinal Financial Company, L.P.

  2525 W. Frye Rd. Ste 110 Chandler, AZ 85224

• 

  Cardinal Financial Company

  2357 Lehigh St Allentown, PA 18103-4702

• 

  Cardinal Financial Group

  222 S 9th St Ste 450 Minneapolis, MN 55402

• 

  Cardinal Financial

  300 E Main Street Suite 152 Johnson City, TN 37601

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:10/14/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My husband and I had signed a mortgage back in August of 2023. Weve had numerous issues that we were told one price, and then it was incorrect. When we closed, after signing we were told we would have to pay ****** for a down payment, when our paperwork had said no down payment because of our land being built on. August 2024 we are contacted that we would have to pay fees because our construction hadnt been completed. We asked what the MAXIMUM amount would be monthly for the fees and **** ******** said no more than *****. A call was placed to homes direct August 5, and they agreed to pay the first fees due to their part in the delay and paid ***** to Cardinal so we could sign for our mortgage to increase to pay out their team for their work. We thought okay, September would also be ***** based on the information provided by Cardinal, **** ********. Today we were told our inspections passed, but for them to sign over our full mortgage wed have to pay *****. This email was sent only to my husband. When I reached out for clarification on how they arrived at this number when we had previously been told a maximum of ***** I was told heres a picture of the costs. The picture sent said all amount had been paid and listed a total of *********. No explanation other than fees and if we wanted to move we would have to pay in full prior to them signing our full mortgage to us. Ive attempted to contact for help, and each time I get different answers and additional costs to a point that I dont think I can afford to move in on a home Ive paid over ****** in costs on. Based on the previous conversation it was that I would pay ***** plus my mortgage, no additional calls, emails, correspondence, nothing since July 31 and today (October 14th, 2024) theyre saying almost ****** to move in and get my full mortgage. Theyve included in the cost fees from July??? Please help me.

  

  Business Response

  Date: 10/31/2024

  Hello, please find attached Cardinal Financial's response to BBB case number ********. Thank you ~

• Initial Complaint

  Date:10/02/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We had a mortgage with cardinal financial. The mortgage was supposed to be recast. The paperwork was completed in July of 2024. They took the payment of ******* and the cost of the recast of $300. Unbeknownst to us, they were in the process of selling our mortgage to Servicemac. They never completed the recast. Servicemac is saying the paperwork wasnt transferred. Theyre withdrawing the original amount of the loan instead of the adjusted recasted amount, which has caused financial struggle since the purpose of the recast was to lower our payment. They have not refunded our $******* or the $300 we paid.

  

  Business Response

  Date: 10/18/2024

  Please see attached interim Business response. 

  

  Business Response

  Date: 10/29/2024

  Please see attached business response. 

• Initial Complaint

  Date:09/20/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Cardinal Financial payed out three home owners insurance policies in Jun 2024 AFTER being called by myself and told not to. The insurance broker we were using made a series of mistakes that resulted in these three ESCROW payouts During this period, Cardinal Financial sold our mortgage to Freedom Mortgage. Cardinal Financial sent us letters that included wrong loan number and wrong names regarding the sellingi of our mortgage. We recouped the payed out premium from ALLSTATE. ******************** issued a refund back to Cardinal Financial 28 Jun 2024 per their representative. Cardinal Financial did not forward the refund to the new mortgage company, Freedom Mortgage, until 28 August 2024, a month later, even after they verbally confirmed they had done so the first week of August 2024. That check has never been received by Freedom Mortgage. Freedom Mortgage has been extremely helpful with identifying where Cardinal Financial sent the check and will not cooperate with myself nor Freedom Mortgage with details.I need Cardinal Financial to simply stop payment of the refund check they issued to Freedom Mortgage for my ESCROW account and reissue on and send it to the proper address. Cardinal Financial supposedly sent a letter witht the refund check to a "dead address. The correct address is: FREEDOM MORTGAGE ESCROW ***************************************************************************** Cardinal Financial needs to also include the new loan number for Freedom Mortgage as Loan number ********** to better serve Freedom Mortgage applying this money to the correct account.The result of **********************'s refusal to help recover this money is extremely unprofessional to both myself and Freedom Mortgage. I know for certain that I am not the only person that Cardinal Financial has kept money from during this transition of selling mortgages.

  

  Business Response

  Date: 09/30/2024

  Hello,

  Please find Cardinal Financial's response to BBB case number 22314136.

  Thank you,

• Initial Complaint

  Date:09/20/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to dispute an unauthorized credit inquiry from CREDCO/CARDINAL FINANC that appeared on my credit report on July 20, 2024. I did not apply for credit or authorize this inquiry.This inquiry is negatively affecting my credit score, and I kindly request its immediate removal from my credit report. I ask that CREDCO/CARDINAL FINANC review their records, investigate this issue, and take the necessary steps to resolve it.Thank you for your prompt attention to this matter.

  

  Business Response

  Date: 09/27/2024

  Hello,

  Please find attached Cardinal Financial's response to BBB case number 22312590.  Thank you.

• Initial Complaint

  Date:08/22/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On August 14, 2024 I completed a loan application with ******************* who is a loan officer with Cardinal Lending. I provided all of my documentation to her including secure information such as banking information, social security number, student loan information, pay stubs, retirement account information, etc. I did not hear from her for several days and assumed that she was working on the loan. I attempted to contact her via email on August 20, 2024 requesting an update and she did not respond. I then contacted her via text message on the morning of August 21, 2024 and received a message back that afternoon that she wanted to have a conversation with me and we arranged to have that conversation at 4:15 pm that day. At 4:15 that day I attempted to call *********** and she has my phone number blocked. I attempted to call her and text her from 2 other phones and those calls and texts were going through just fine however calls and texts from my phone number were blocked. I have not heard from her since. I have contacted customer service at ********************** twice and was told that someone would be contacting me and that also has not happened. This business should not be collecting peoples personal information under false pretenses that they are working through the loan application process if that is not in fact what is happening. I now also have an inquiry on my credit report that was unnecessary as they did not use that to work on a loan for me. I have not been given an approval or denial.

  

  Business Response

  Date: 09/06/2024

  Hello,

  Please find attached Cardinal Financial's response to the BBB case number 22181559.

  Best regards,

• Initial Complaint

  Date:08/21/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We applied for a loan found out later we did not qualify the agent pulled strings lender has not been helpful during the process. Has caused delays, refused to have upper management return calls. I called for months for help and solutions with our construction loan and no one would call back. When manager does call they offer no solutions or say they will call back. Now they stated they will not fund our project while we have 80k in steel waiting to be put up.

  

  Business Response

  Date: 09/05/2024

  Please see attached response. 

  Customer Answer

  Date: 09/05/2024

   
  I am rejecting this response because: Cardinal has known for months that we had issues. We are requesting the funds released IMMEDIATELY to our general contractor to allow for the building (Which has already been paid for) to go up before winter hits **********  Cardinal has been delaying and stalling causing unnecessary stress, anxiety and serious financial loss. They have stalled us so hard that we are losing subcontractors. We DID NOTHING WRONG HERE and we are getting penalized and feeling the huge financial burdened. I was told by Cardinal we would hear back in 48 hours with a resolution and its "they need to have a meeting" At this point it is our firm belief that Cardinal is stalling to push us into bankruptcy. 
  
  

  Customer Answer

  Date: 10/24/2024

   
  I am rejecting this response because:

  we are again requesting that this isn't closed! We have requested multiple times for an external review of our loan be completed by an independent agency. Cardinal was do supposed to do a background check. We hired ******* **** as GC to oversee our custom home build located in *********. Contract listing below. *** and **** were on the property prior to us buying and assured us they could build and had the skill set to do so. Our bank Cardinal requires 2 years' experience and 2 million insurances. **** was approved only with Cardinal as he was the one with the experience. ****** was to be as a helper and gain knowledge. ******* **** received a packeted from *** the inspector of all requirements of Waterford on building a home. Lack of knowledge, lack of time on our property made for delays, tons of extra money. GC didnt know a soil sample was required, this led to huge setbacks *****k more in cost. ******* **** thought a soil sample was jumping in a hole and putting dirt in a baggie. ******* **** took down trees and left them fully intact on the ground. We now understand **** has opened a new construction company. They have costed us nearly everything. They should not be allowed to do this to other people! Thank you ***** **** ************ ************ ****** ******* 608-312=8632 Complaint # ******* # 1 Draw $35,350.00 # 2 Draw $34,500.00 # 3 Draw $50,029.70 ($45,644,73 went to Apex for framing) # 4 Draw $18,735,50 (12k to ******* concrete to start frost walls; Not completed * text from owner ******* stating truck was loaded no show, no return of funds) $6,735.50 unknown money remaining from draw #4 no verification of work completed, or bills paid. See attached expense sheet provided by ******* **** The attached expense sheet provided the claim of Fabrik rental was paid. This was deducted from our loan and was not paid. See attached bill total amount $5,655.77 Inline image Tried working a resolution with ******* **** with our lawyer **** ***** wrote contract see attached to settle. ******* **** agrees to payment plan; however not able to refund 12K that was stolen by ******* concrete that was requested by our attorney with in 7 days but was willing to work out arraignments. ******* **** worked out payment arraignments with subcontractors. 2 contracts provided none signed, no repayment received, Lawyer fees for contract that was requested but never signed $2500 Inline image Whitewater ***** **** was talk by ******* **** they would repay for stone delivery (see attached message) $9,600.00 *can provide number for verification ******* **** made arrangements ***** ****** told by ******* **** would be repaid (see message) $16,329,40 * can provide number for verification ******* **** made arrangements Inline image **** Rental owed $2,200 ****** Electric $3,900 Please see attached text messages from ******* **** was going to start making payments for money owed and did not make payments as agreed on. Cost occurring and occurred from ******* ****: Footings not poured and not within correct measurement, ******* ******** requested ******* **** on site multiple times, requests from ***** ****** to ******* **** to be onsite.; ******* **** never arrived to verify will attach plans that clearly show. ******** poured wrong! : 280 holes had to be drilled into footings with an extra expense total $4,500 for epoxy, correction concrete for mis pour footing off west end of building by 2.5 feet attentional $2,500 for correction Additional cost for Structural engineer to redesign footings due to failure and reinspection by Engineer for stamp per Waterford inspector *** total cost $1450.00 ** Contract for concrete pour was with ******* concrete and ******* ****. Rebar was drilled by General contractor: see below picture: Inline image Rebar in concrete by ******* **** Inline image The way the rebar was supposed to be in concrete: completed by GI concrete: Inline image Others: Cardinal contract with ******* **** to have and maintain insurance policy terminated for non-payment 11/23 letter from ******* **** that they were "quitting our build March 20**" ***** and ***** are getting fined by Cardinal loan $93.00 per day. failure to complete * see attached ******* **** contract per Cardinal home was to be completed July 17, 20** the time for ******* **** was noted different. 3/26/23 First contact with **** ***** 3/28/23 applied for for pre-approval 4/2/23 Casa Jerez emailed and requested for all vital info for approval 4/12/23 received preapproval letter 4/12/23 letter received for land allocation of $185,000 for land; **** Crew stated we would need to sell our home and request a 60 day notice for land closing 4/12/23 **** ***** email states that he really likes Colt and he talked with **** *********. 4/13/23 invoice 1367 from Colt $4,000 which is a known scam company. payment came out of our checking account. 5/17/23 We found out that ***************** is a scam company and has many frauds and police reports against owner. 5/30 We found Apex for our framing, and ******* **** all information forwarded.; **** ***** stated that bank would "vet" GC 6/12 Email to **** ***** to verify if everything was OK with construction loan, any issues or problems, or possible concerns to update as our home closing was scheduled for 6/13 6/28 credit report was run for **** and ***** 6/29 ************* agent emailed to see if insurance would be rolled into loan 7/6/23 **** ***** emailed and stated "cardinal was looking for loopholes" 7/10/23 ***** emailed and called multiple times over 1.5 hours on hold. 7/20/23 emailed for updates stated 21 days until we had to be out of home. 7/** email from **** ***** stating he was waiting for rate lock we still do not know what rate is. pre approval was 6.25% 7/23/23 Email from **** ***** stating loan was moving into the construction team for review. 7/31/23 email from ****** ********** saying ******* **** can request however much he needs for 1st draw then it would go off percentage. 8/2/23 closed on land this is when we found out all the terms of our loan and our payments.

  Sent from ***** ********** (*************************************************************************************************)

   

   

  
  

  

  Business Response

  Date: 10/31/2024

  Please see attached rejection response from the business. 

• Initial Complaint

  Date:08/15/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  So I recently received a certified letter from cardinal. The letter stated that they paid my property taxes by accident and they want me to send them money to cover it asap. Now keep in mind I have no agreements, business or contracts with cardinal. They then stated in their letter if not resolved in 45 days they will send it to collections and ruin my credit. My mortgage is through filo and I do not have an escrow account. So I called the county and they said the bill was not paid by cardinal however buy some other mortgage company. When I call cardinal they say they cant look anything up because I dont have a account there

  

  Business Response

  Date: 08/27/2024

  Hello,

  Please see attached Cardinal Financial's response to BBB case number 22146994.

  Thank you,

• Initial Complaint

  Date:08/06/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After 8.5 months of Cardinal Financial/Dovenmuehle dragged their feet on the assumption process of my loan to stellar buyers, we finally closed on 6/19/204. The NC attorney recorded the deed and assumption agreements which Cardinal/Dovenmuehle then received. Cardinal/Dovenmuehle were then tasked with updating the loan into the new owner's names and updating that in the VA system.They did not do any of it. Instead, they sold the loan to Freedom Mortgage without informing them of the assumption. I personally had to send Freedom the recorded deed/Assumption doc's. Cardinal/Dovenmuehle have been holding the buyers assumption/funding fee check that they were supposed to also send to the VA within 10 days of receiving it back in January. So, at this point, because Cardinal/Dovenmuehle continue to refuse to do their jobs, not only have I paid out about $30K in interest since the process began last October 2023, but the house belongs to the buyer while the loan is on me. Freedom Mtg and the new owner who assumed my loan have been trying to get this rectified, but Cardinal/Dovenmuehle continue dragging their feet. Meanwhile, my credit score is taking a hit because I will certainly not pay on a loan for a house I do not own. We are talking about $364K of loan debt that is not supposed to be mine. I need help with getting Cardinal to do their job!

  

  Business Response

  Date: 08/20/2024

  Hello,

  Please find attached Cardinal Financial's response to BBB case number 22102614.

  Best regards,

   

• Initial Complaint

  Date:07/15/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  5/21/24 is when we first started working with Cardinal Financial to loan my wife and I a mortgage for our home that was being built for us. We have been passed around by 4 different loan officers who all have been asking for the same documents over and over again. We were promised a closing date of 7/2/24 and we were ready with closing funds to pay everyone involved. We were never notified by Cardinal that they still needed "more" documents and were unable to meet the date and we found out inside the offices of the lawyers that our appointment was canceled. We were then promised by the Cardinal Branch Manager that closing would take place either 7/11 or 7/12. When those dates were not met we were promised 7/15. We will be unavailable for the next 3 weeks with the next date they are promising to be 8/8. We will be out of the country due to an international trip that they were fully aware about as well as the builders for our home. The builders are now asking for a fee of $4500 for a closing date of 8/8 due to the delay in closing. This is not our fault as we have been timely with all documents requested but every day it seemed like Cardinal was missing something new. One week they asked for verification of my employment and then the next week they were somehow missing my wife's verification of employment even though they should have gotten both ours at the same time. We are looking for concessions to reimburse our time as well as to make sure that Cardinal will be liable for the delay in closing fee. We have taken many days off of work to be available for their promises to no avail. Even this morning 7/15 we have attempted to reach out to everyone involved for answers to which they have not done so yet. We hope to close on 8/8 with no issues on our end. Buying a house is already expensive, we will not be spending more than we should when this could have been avoided with more competent workers.

  

  Business Response

  Date: 08/02/2024

  Hello,

  Please find attached Cardinal Financial's response to BBB case number 21990660.

  Best regards,

• Initial Complaint

  Date:06/12/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a wholesale mortgage loan officer. I did a transaction with Cardinal Financial for a first time home buyer, there were a few issues at closing and, to remedy the situation and to not have the buyer come in with additional money, it was suggested by the ** I help buy down the rate. After much communications I agreed to give the buyer $1,500.00. This transaction closed on May 8, 2024. The money was not credited. My commission was pretty much reduced without the benefit to buyer, I would have not reduced this amount were it not to help buyer. In the end, buyers not only paid the full price for the rate but, also came in with additional down payment. I contacted said **, *******************, he not only has been given me the run around but, has not returned my emails. I have tried to contact corporate but, the person I spoke with and gave me ****************** as a contact but with the wrong number. There has been numerous communications from management from my company but, I have been given the run around. I do need a call back from someone besides the mentioned **. A solution is also requested as I do not conduct business in this manner. I have been a loan officer for over ******************************************************************* a fair way. I also work hard for my clients and I would have never reduced my commission if it was not going to benefit the customer. I would like this ******************** institution know that I will continue to file complaints with all necessary regulatory agencies.

  

  Business Response

  Date: 06/21/2024

  Hello,

  Please find attached Cardinal Financial's response to BBB case number 21840322.

  Best regards,