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:05/31/2023

  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 applied and was approved forbearance during the Covid pandemic. After the forbearance period I was approved my loan modification and proceeded to make my payments accordingly. However, a month ago(18 months after modification) I was notified I was extremely behind on my mortgage payments. I did not know how this was possible. Its impossible to get statements online and I had not received a statement in the mail in over a year. After an exhausting amount of phone calls I never received a response. Because I have a VA loan I reached out to them for help. On their end they could see the loan modification but they could also see that it was never applied to the loan. This was news to me. So, when I resumed my payments after forbearance they were applying those payments to the forbearance period therefore setting me back. I have repeatedly asked for complete payment history and receive only partial history. I have repeatedly asked to speak to someone in loss mitigation who can help resolve this issue back to its origin and never hear anything back. The VA has tried to get involved on my behalf and they are continually ignored. I feel like this company has one agenda and that is to put homeowners into foreclosure, OR theyre just that incompetent. Both are disturbing.

  

  Business Response

  Date: 06/16/2023

  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,

• Initial Complaint

  Date:05/18/2023

  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.

  Predatory and Discriminatory Lending in regards to Fair Housing Laws. No resolution options offered.The principles of unfairness I experienced includes deception, and abuse in the context of offering and providing consumer financial products and services to me as their client. This company included me in a risk that created a financial risk that is against this institutions practices that they promised during the mortgage process that has turned to be unfair, deceptive, abusive and affected my personal consumer protection statutes. 1. No communication in regards to escrow amount and due dates. 2. No phone calls from company to discuss escrow options 3. Paid escrow with wrong information about taxes. 4. Change home owner insurance companies without permission Please allow additional information to be provided.

  

  Business Response

  Date: 06/02/2023

  Hello,

  Ref: ********; Washington

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

  Thank you,

  Consumer Advocacy
  P: ********** |   F: (704) 943-3742
  cardinalfinancial.com
  

   

• Initial Complaint

  Date:05/15/2023

  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.

  reached out to them concerning a mortgage. they ran my credit and then i had to be the one who called them up to get an answer. also, they said they would run the numbers again to see what i need to do to prequalify for a mortgage with them but they never reach out to me or call back like they promised. dont waste your time with them

  

  Business Response

  Date: 05/23/2023

  Hello,

  Please find attached Cardinal Financial's response to BBB Case number 20055621.

  Thank you.

   

• Initial Complaint

  Date:05/08/2023

  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.

  For the last 3 months of making my mortgage payments, I get a letter from them a week later stating that they got the wrong banking information so now my payment is considered late.I have spoken to them on several occasions to resolve this issue with no luck.It has me frustrated cause each time I have called in the payment I give them the same numbers they verify it and give me a confirmation number for my payment. And yet a week later I get another letter my payment is late with a Fer.I need help.

  

  Business Response

  Date: 05/30/2023

  We advised ************** we would respond by June 6 via email.

   

  LauraMcCann DirectorofConsumerAdvocacy

  
  

• Initial Complaint

  Date:05/05/2023

  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.

  Mortgage assistance ******* (***) ***** assisted in making payments to Cardinal. This was due to the pandemic. Cardinal signed a contract with the *** and in the contract it states that while on the program they would not turn me in to credit bureaus. None of my payments were ever late however they are stating they are. My credit went from near 800 to 600. I called and they fixed it after 2 months of waiting. Now they have done it again. And caused all my credit cards to be suspended. No one will respond to my emails or call me back. They payments were sent on time but. Cardinals bank is holding my payment for months then saying my payment is late. I have emailed, called and never get any help. I have recorded conversations proving everything I say to be true. Plus they have went up on my mortgage amount due each month.

  

  Business Response

  Date: 05/18/2023

  Hello,

  Please find attached Cardinal Financial's response to BBB Case number 20021914.

  Thank you,

   

• Initial Complaint

  Date:05/05/2023

  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 had a mortgage from Aug 2018 until June 2022, The people locally were amazing to work with, then the global pandemic happened. I wasn't able to pay my mortgage for a **************************** offered a 3 month forbearance. At 2 months and 3 weeks in they call ask if I'm able to pay back mortgage payments or extend our forbearance, I was fully prepared to start resuming my payment but the lady indicated to me if I can't pay the full back pay, extend, so I did. Then at the end of that term they call back and did the same thing. I indicate I want to start paying she said wait 3 more months and they'll send me loss mitigation packet to redo my loan at the close of three months. Four months later I call, ask and they tell me I was still on forbearance and will be sending a package out with the paperwork, I was to fill it out get it notarized and send back. Two months later the packet shows up, and admittedly it sat on my counter for a couple of weeks as I got delayed due to juggling a pregnant wife, work and other life demands. I eventually send it back and call to confirm everything is good, they confirm it's all good just wait the online portion will be updated within days of receipt with my new payment amount. It never updated, I called again and they told me to wait a few more days, so I do. Eventually I get spooked about getting foreclosed on, so I list my house for sale. We sell, I think great, dodged that bullet. Except where they never processed my refi paperwork I now owed them almost **************************************************************** forebafance periods. I get that they are due some interest but the daily interest rate of 15 something a day when this whole time they kept telling me to wait or take another forbearance. It's immoral and unethical. The day before closing, I talked to them and they told me delay close & resubmit the paperwork and I can avoid the unpaid interest, of course it was too late. I feel they trapped me into this situation.

  

  Business Response

  Date: 05/30/2023

  Please see attached business response. 

• Initial Complaint

  Date:05/02/2023

  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 started struggling financially in the fall of 2022. The cost of everything had gone up but no increase in my disability pay until January. My homeowner's insurance had gone up $800 last year causing my mortgage payment to increase by $160 per month. That was more than I could afford so I applied for assistance with my mortgage company, Cardinal Financial.I sent in the requested documents via ****** In the meantime I was told by various customer service reps. that under the assistance program that late payments would not be reported to the credit bureaus and that I shouldn't worry about missing a payment if I needed to get caught up on other bills. Now I know it was bad advice, especially since the documents I sent in were not processed properly and did not get to the loss mitigation department. Because of that, they state that I was never protected under their assistance program which is contrary to what the customer service reps. told me. Therefore they feel justified in reporting the late payments, even though I feel they were not since it was not my fault the paperwork wasn't entered into the system. In January my homeowner's insurance went up another $800 per year. I knew I couldn't afford that, so I did what was necessary, I listed my house for sale. My house sold and the loan was paid off on 3/23/23. Now I am homeless because of the late payments being reported to the credit bureaus preventing me from obtaining a new mortgage.

  

  Business Response

  Date: 05/11/2023

  
  Thank you for giving Cardinal Financial an opportunity to address the consumer complaint. We are currently in the process of investigating the matter and will provide a formal response upon completion of our investigation. Should there be any questions or additional concerns, please contact the Cardinal **************************** directly at ************** or via email to *********************************************

• Initial Complaint

  Date:05/01/2023

  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.

  Cardinal received my payment on time EVERY month. Yet, they harass my spouse and I every month while charging ** late fees every month. Keep in mind, they have our payment.

  

  Business Response

  Date: 05/11/2023

  
  Thank you for giving Cardinal Financial an opportunity to address the consumer complaint. We are currently in the process of investigating the matter and will provide a formal response upon completion of our investigation. Should there be any questions or additional concerns, please contact the Cardinal **************************** directly at ************** or via email to *********************************************

• Initial Complaint

  Date:04/24/2023

  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 sought this company out for a mortgage on a new house build. I had to continue to reach out to them because they were not calling back to report any assistance or updates. They pulled my credit report which resulted in an "inquiry" on my credit report, however, they never, ever reached back out to me. I would rate this company extremely poor because at the very least a call back is important and necessary to ascertain if you want to do business with this company. Fortunately, I moved on and found an excellent mortgage company that fit my needs completely. DON'T WASTE YOUR TIME WITH CARDINAL FINANCIAL

  

  Business Response

  Date: 05/03/2023

  Thank you for giving Cardinal Financial an opportunity to address the consumer complaint. We are currently in the process of investigating the matter and will provide a formal response upon completion of our investigation. Should there be any questions or additional concerns, please contact the Cardinal **************************** directly at ************** or via email to *********************************************

• Initial Complaint

  Date:04/21/2023

  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 started working with ******************* back in December for a HELOC to pay off our timeshare. He has been very hard to reach and provided us with very little information along the way. We signed for our loan while on vacation in ****** at the end of March that should have been completed in a few weeks time frame. During the process I kept asking **** about how much we were taking out because the paperwork stated $200,000 and did not have a APR or monthly payment on it. I asked him those things but he told me that is what we qualify for and not what we would be taking out and that they don't know the monthly payment or interest rate because it depends on what we take out. I instructed him multiple times that I did not want to take out more than $175,000. We ended up signing our loan for $200,000 because our hands were tied on time and expiration of paperwork. I tried contacting him the morning of March 30th prior to our signing, which was scheduled for 12pm, and never heard from him. I have contacted him multiple times via his personal and work number and still have not heard from him. I also contacted and left multiple messages with his boss *****************. He also has not returned any of my calls or tried to reach out to me. I am upset that I am being charged interest on a loan higher than what I wanted and that no one has bothered to help me. I also do not think that it is right that ******************* is making commission off of a loan amount higher than what was asked for. I would like a refund for all of the work that I have had to do on my own with other loan officers and the bank that we received the money from to correct his purposeful deceit and negligence.

  

  Business Response

  Date: 05/04/2023

  
  Thank you for giving Cardinal Financial an opportunity to address the consumer complaint. We are currently in the process of investigating the matter and will provide a formal response upon completion of our investigation. Should there be any questions or additional concerns, please contact the Cardinal **************************** directly at ************** or via email to *********************************************