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 has 11 locations, listed below.

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  Cardinal Financial Company, Limited Partnership

  3530 Toringdon Way Ste 200 Charlotte, NC 28277-3436

  
• 

  Cardinal Financial

  300 E Main Street Suite 152 Johnson City, TN 37601

• 

  Cardinal Financial

  901 N Green Valley Pkwy STE 190 Henderson, NV 89074-7130

• 

  Cardinal Financial Company Limited Partnership

  12461 Veterans Memorial Hwy Douglasville, GA 30134

• 

  Cardinal Financial

  3208 W. 23rd Street, Suite 2 Panama City, FL 32405

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:09/06/2023

  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 was told it would take less than 30 days. Due to multiple mistakes made by Cardinal Financial, I am going on 56 days of rate lock, meaning a 26 day extension. At $61.05 per day for a rate lock extension, my extension fee is now over $1,100. I have not received contact from loan officer ************************* or transaction coordinator ************************* despite having reached out to both of them numerous times. On top of that, I was charged $650 for an appraisal and the documents say it only should have been $400. I also had to pay a lien removal fee for solar panels, but after that was paid, the title department never removed the lien on their end despite ******* having confirmed she received the proper UCC3 filing for it. At this time, I am continuously being charged more and more in rate lock extension fees with no sign of closing in sight.

  

  Business Response

  Date: 09/13/2023

  Hello,

  Please find attached a copy of Cardinal Financial's response to BBB Case number 20559958.

  Best regards,

• Initial Complaint

  Date:08/23/2023

  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.

  To whom it may concern,This in regards to my mortgage loan at ********************************************************, Loan # **********. I will be attaching all documents necessary. I am a 100% disabled veteran and ***** has 100% property tax exemption for 100% disabled veterans. In June of 2023 I was able to get everything processed at Bell County in order to receive my property tax exemption letter. As soon as I received it, I called Cardinal Financial for steps on how to get it processed. I sent in my letter on July 5th to *********************************************** as instructed by customer service. They told me 10 business days but I still waited until August 7th to contact customer service again for processing. The mortgage due is still showing property taxes. I sent in the letter yet again. Its August 23rd and its still not processed. Its a $700 difference that I dont need to pay because of my exemption, but Ive been paying it since July 1st. With the payment of September 1st, Im due almost $2,100 that Im not supposed to be paying a month. I would like for this to please be processed, I would say a timely manner but its been almost 2 months since I first sent this in and its a bit unacceptable.

  

  Business Response

  Date: 09/05/2023

  Hello,

  Please find attached Cardinal Financial's response to BBB case number 20511594.

  Best regards,

• Initial Complaint

  Date:08/15/2023

  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.

  We purchased a home using Cardinal Financial as our lender. Everything was handled professionally up until our first mortgage payment. Cardinal had sold the loan to US Bank. We were unaware of this while attempting to make our first payment. We contacted Cardinal via their phone payment number. We were informed that the loan had been sold and they could not accept our payment and to contact US Bank. We did this and US Bank was very helpful and informative as to the details of loan transfers etc. At this point we were able to make our first payment to US Bank. After a week or two we were contacted by Cardinal as they stated we were late on our first mortgage payment. We spoke with a representative in regards to what we had been told by both Cardinal and US Bank. This was mid June 2023. It is now early August and we have had multiple conversations and investigations with Cardinal Financial about the loan being sold and then attempting to collect said loan payments from us.

  

  Business Response

  Date: 08/29/2023

  Please see attached. 

• Initial Complaint

  Date:08/11/2023

  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.

  *** contacted the lender multiple times to resolve balance, the representative tells me to pay a balance to complete my monthly payment, because I had fallen behind, then the next month they tell me theres still more money owed. The bills mailed are inaccurate, logging on to the app gives me a different incorrect balance, and then when I pay, funds are misappropriated and sent to escrow when my mortgage payment included an escrow payment. Than I have to wait for the misappropriated money to be returned to the account to be sent to the right place while Im being asked to pay a fee to pay over the phone to complete the missing amount which was due to the misinformation given.

  

  Business Response

  Date: 08/29/2023

  Please see attached business response. 

• Initial Complaint

  Date:07/31/2023

  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 purchased my house in May of 2020. All parties involved, including Cardinal Finance agreed on the **** map determination that my house is not in a flood plain. Three years later in June of 2023, Cardinal Finance changed their mind and added their own flood insurance to my loan making the payment $500 more a month. The **** map has not changed at all, and still states that my house is not in a flood plain, but CF wants me to obtain a LOMA from ****. In my opinion this is criminal, and I feel that I should be able to sue ***

  

  Business Response

  Date: 08/10/2023

  Please see attached business response. 

  Customer Answer

  Date: 08/10/2023

   
  I am rejecting this response because:
  I want the response publicized on the BBB forum where everyone can see. If I had accepted this response the BBB would have closed the case.

  

  Business Response

  Date: 08/17/2023

  Hello,

  Please find Cardinal Financial's response to BBB case number 20397935.

  Thank you,

  Customer Answer

  Date: 08/17/2023

   
  I am rejecting this response because:
  According to the current FEMA website either they did not conduct a new survey, or their new survey shows exactly the same as the old. CF said that I could do a LOMA, which is actually doing FEMAs job for them. Why do I, the homeowner, have to pay a surveyor $1500 to do the governments job for them. If CF is requiring flood insurance, they should have to make FEMA do their job, or CF should pay to do FEMAs job for them. 

  

  Business Response

  Date: 08/29/2023

  Please see business response to consumer rebuttal. 

  Customer Answer

  Date: 08/29/2023

   
  I am rejecting this response because:
  I am waiting for their response promised for NLT September 5th. 

  

  Business Response

  Date: 08/30/2023

  Hello,

  Please find Cardinal Financial's response to BBB Case number ******** attached.

  Best regards,

   

   

  Customer Answer

  Date: 08/31/2023

   
  I am rejecting this response because:
  FEMA told me that it was just a blanket letter that went out, and since their website still says that my house is NOT in a flood zone, I believe the burden of proof is on CF or FEMA, not the homeowner. 

  

  Business Response

  Date: 09/07/2023

  Please see attached Business response to consumer rejection. 

  Customer Answer

  Date: 09/07/2023

   
  I am rejecting this response because:
  To this date, I have provided clear proof, from the **** website, that my house is not in a flood plain. CF has only produced a generalized letter from **** stating that my house may be in a flood plain. **** has obviously not done a new survey or they would post the results on their website. **** sent this letter out to mortgage companies, like CF, in hopes that the mortgage companies would force the homeowners to do ****'s job for them, hence the allowance for a LOMA. If **** had done their own survey; #1 they would have updated their online map, #2 they wouldn't even consider a LOMA. I am not going to submit a LOMA, and will not use CF again for a mortgage. And to top it all off, I had to pay the full year of useless insurance using my credit card because CF would not pay the insurance through the escrow account. That was a payment of approx. $645. If I wanted to waste money on useless ****, I would've sent the money to *****************.

• Initial Complaint

  Date:06/28/2023

  Type:Order Issues
  Status:

  ResolvedMore 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 have been working with this company since Feb 2023. They have requested information repeatedly for the same things, closing has date has been changed three times, the loan has been revised three times. Closing has been changed to today the last time. I get no response from the loan originator- ***************************- or anyone else. Phone goes directly to voice mail, texts and e mail are unanswered. I am worried that they have all of my information to be able the just fraudulently take my property. Please help.

  

  Business Response

  Date: 07/11/2023

  Hello Egzine,
  
  Please note that research into the consumer's concerns is ongoing. We notified the consumer of the same and advised that we expect to have a final response to her by 07/24/2023.  The email sent to the consumer is attached for your reference.
  
  Best regards,
  
  

  Customer Answer

  Date: 07/12/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me.
  
  Thank you. 
  

• Initial Complaint

  Date:06/21/2023

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  In December of 2022 I requested a COVID forbearance from Cardinal Financial due to my wife and I both getting COVID and losing substantial income. At the time of the request our mortgage was current and we were told that it would remain in that status during forbearance. Since then, our credit report has had to be corrected every month due to the company incorrectly reporting the loan as delinquent. I have had to call every month and report this to them and every month they reply with an email saying it was their fault and they apologized for the inconvenience. We are set to end forbearance August 1, 2023 and once again our credit report has taken a massive hit and is showing 120 days late. We are attempting to sell the home and we are now stuck due to poor credit because of this erroneous reporting. I have contacted the company many times and followed all the steps they have asked and it is still showing delinquent. I am frustrated beyond words and this practice is completely unacceptable for a national company. I am at a loss as to how to get the company to rectify the situation in an expedient manner so that we can close on a home.

  

  Business Response

  Date: 07/06/2023

  Hello Egzine,
  
  Thank you for the reminder notice.  Please note that research into the consumer's concerns is ongoing. We notified the consumer of the same and advised that we expect to have a final response to him by 07/18/2023.  The email sent to the consumer is attached for your reference.
  
  Best regards,
  
  

  Customer Answer

  Date: 07/06/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me.
  
  Thank you. 
  

• Initial Complaint

  Date:06/21/2023

  Type:Product Issues
  Status:

  ResolvedMore 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.

  20 March 2023 had wind and hail damage, the insurance company worked with us to resolve issue, but when check came it had to also go to Cardinal financial because they hold the mortgage. we sent the check on 1 June 2023, they received it on 5 June 2023, the moneys were transferred to their account on 9 June 2023 from the insurance company. We have been getting the run around since to get funds released from them to start the repairs. A person by the name ****** was supposed to be handling this but we have not been able to be in contact with them. we called on 19 June and was told a check would be sent out and we would receive it on 21 June 2023. Called on 21 June 2023 and was told check would be sent next Monday, after stating I needed to talk to a supervisor I was told it would go out on Thursday, I talked to *****, the supervisor and kept having phone issues. I don't know what is wrong with this company but they do not seem to want their customers to be able to get the funds that are due them to make repairs. when we call they have no problems with lip service but nothing else. If the company wants more information on this I have names, times, and other information.

• Initial Complaint

  Date:06/19/2023

  Type:Product Issues
  Status:

  ResolvedMore 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.

  Greetings,Cardinal Financial is my mortgage company. as of Dec22 /Jan 23 we received enormous bills from them. we own one out of the 6 units on the property and the tax didn't add up. upon contacting them we were told that this needs to be filed as sub units. they paid all of the taxes to the county on our behalf of all of the six units any they simply added that to our bill. these are not my taxes that they paid and its affecting my credit score. I reached out to the county clerk and went in circles quiet a few times. I lost out on a few other deals because my credit score it being affected immensely for no good reason. These are NOT my taxes that they paid, I am not the sole owner of the property and just own a very small percentage of it.We have tried resolving this, they told us that they already got the money from the Town but they cant refund it to us without a legal letter that were having a lot of trouble getting, They're holding onto our money for no good reason.The amount of money the owe us is approximately ********* Please help me resolve this issue I'm an honesty citizen and this was thrown unto us for no good reason.Thank you.*******************

  

  Business Response

  Date: 07/06/2023

  Please see attached Business response. 

  Customer Answer

  Date: 07/10/2023

   
  Better Business Bureau

  It looks they are working on It
  
  Thank you. 

  
  

• Initial Complaint

  Date:05/31/2023

  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.

  I have several different complaints to note, all about the way that Ive been treated by this company. Im not sure exactly what is going on back there but I have put in about 4-5 escalation calls and have NEVER not once been contacted for a follow up. The last time I called for an update I was told that I wouldnt receive the phone call that I was looking forward to because we dont make outgoing calls which is very disheartening because its literally the only option they leave you with once things go wrong and they tell you to give them 48 business hours to contact you back but its been over a year ( I call a few times a month for update ) and nothing Ive literally tried everything in communication with this company and Ive never felt so ignored and unimportant in my life .

  

  Business Response

  Date: 06/15/2023

  We are in receipt of the consumer complaint and have completed our investigation. Please see the attached response. Should there be any questions or additional concerns, please contact the Cardinal **************************** directly at ************** or via email to ********************************************.

  Thank you,