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 Company LP

  Rockville, MD 20850

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  Cardinal Financial Company, L.P.

  14614 North Kierland Blvd Ste S-150 and S-250 Scottsdale, AZ 85254

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  Cardinal Financial

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

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:12/29/2022

  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.

  CONTEXT: In March 2022, despite having paid my monthly mortgage in full, I was charged a late fee of $97.32 for shortages due to my MIP/PMI balance. Thus, in June 2022, I spoke with Cardinal **************** (CS) to rectify the situation and to set my account balance to zero. By this time, my late fees had doubled to $194.64. During my conversation with Cardinal ****************, I made it clear that I wished to pay for my outstanding MIP/PMI balance, as well as any other standing charges. CS said that it would waive the first late fee of $97.32 (half of $194.64), so I agreed to pay whatever balance was required to reset my balance to zero status. My bank account shows that I made a one-time, same-day payment of $110 to Cardinal, which was the amount that CS said was needed to "zero out" my account balance. Furthermore, I made a second monthly mortgage payment of $2379.45 (including EXTRA PAYMENTS to cover any outstanding charges). Because my bank had already issued a separate mortgage payment of $2331.53 for that month, the Cardinal CS representative reassured me that they would refund the lesser amount ($2331.53) in favor of the greater, balance-correcting amount ($2379.45).ISSUE: Instead of refunding $2331.53, Cardinal CS refunded the payment that was intended to cover my outstanding balances ($2379.45). Therefore, it was as though none of the corrective measures that I had taken were effective. IN OTHER WORDS, CARDINAL CS MADE AN ACCOUNTING/REFUNDS ERROR THAT RESULTED IN A SNOWBALL OF LATE FEES DESPITE MY HAVING TAKEN STEPS TO MITIGATE THIS ISSUE IN JUNE 2022. Since June 2022, I have been paying $2378.45 on-time every month (as evidenced on my Cardinal AND ***** ********** statements). However, I recently noticed that my account has CONTINUED to accumulate late fees due the clerical/accounting error made my Cardinal CS in June 2022. RESOLUTION: I am requesting an IMMEDIATE ASSESSMENT AND RESOLUTION of late charges accumulated as of June 2022.

  

  Business Response

  Date: 01/10/2023

  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:11/01/2022

  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 built a manufactured home. The company that took over the new construction loan ,which by the way was not who we started out with, is cardinal financial. Since day one we have gone through 4 different reps and each one has dropped our account with no emails phone calls or communication of any kind. I had to make all the phone calls and there have been many to try to get someone to do something correctly!! They have charged us for hazard insurance which I told them it was not needed, they have attached and charade the wrong home insurance company to our ******** acct after that insurance had been cancelled and communication was given to them about it. They sent and escrow acct statement with the wrong payment amount because of what I mentioned previously and they sent our first mortgage payment to our old address in ******** when they were informed that we had closed on and moved into our new home!! They payment that was on that bill was not the correct amount and they charged a late fee!! All because of their s**** ***** I have called this company and spoke only to a manager and supposedly the late fee and everything else was supposed to be rectified. As of today there is no mortgage payment sent to me no corrected escrow statement sent to me and when I called the company they said there is no manager to talk to me and supposedly they are calling me back. I wont hold my breath on that!! This company has the worst customer service and the worst employees with NO proper training to take care of their customers!!

  

  Business Response

  Date: 11/07/2022

  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:10/24/2022

  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.

  We went under contract with Cardinal Financial as our lending company. We were locked in at a 4.7 interest rate going FHA. I was then switched to VA per the recommendation of my lender. I never received an updated loan estimate after they switched me to the VA. I then received a closing disclosure 13 days before closing. My interest rate was raised ro ****, my closing costs were ***** dollars due to ***** in points then charged me, also without informing me. As soon as I started asking ******* questions, she was saying she verbally told me these things, which never happened. I asked to have her call me it has now been 72 hours, I have called and emailed and texted 4 people working on my loan who have not called me back despite multiple requests. ******* does not speak English, *** only responds by email, and ******* is barely responding to texts. My husband is a disabled veteran and this has been how we have been treated by this company. I am absolutely disgusted and heartbroken.

  

  Business Response

  Date: 10/24/2022

  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:09/27/2022

  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 (my husband and I) refinanced our property with named business. Mortgage payments were set up to include escrow for home owners insurance and property taxes. During the entire loan process our loan ******** ****************** led us to believe that homeowners insurance would be paid via escrow from day #1 of Cardinal Financial possessing the mortgage account. All requested documents were sent to CF from my insurance agent, however, a few weeks after closing I was made aware that no payment for insurance had been made and was NOT going to be made and my insurance was at risk for being cancelled. So I paid the insurance. ***************** used the term cushion multiple times, implying that money would be available for homeowners insurance and property taxes. There is a monetary cushion for the taxes in escrow but nothing for insurance. Also, CF used an estimate from my insurance *** fraudulently as a policy with a policy start date completely inaccurate. Fast forward to today and ** still getting the run around. They refuse to just remove the escrow for the taxes and insurance and we call it a day. My account keeps getting escalated however Ive been waiting 3 weeks for a phone call from upper management. Everyone keeps giving me more numbers to call and those numbers lead to more numbers and I feel like Im just circling a drain. The loan officer will no longer answer my calls or respond to my text messages and only replies with a vague email after 3 days of multiple attempts to contact him to rectify the situation. I feel like he knows exactly what he has done and is now avoiding me. I have also been told that my complaints will be forwarded to ******************* supervisor, ************************** but know one seems to know who ************************* is. Everytime I call someone, they all have a different story and I am completely exasperated at this point. Also, they sent 240+ pages of documents for us to sign at closing to us via a plain Notary Public. Not one person at CF went over this.

  

  Business Response

  Date: 09/27/2022

  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:09/01/2022

  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 filed for a forbearance August 2021 after our home was affected by Hurricane ***. We were told that we didn't have to fill out any paperwork because we were in a Federally Declared Disaster area. We were told that we were approved on the first phone call. Subsequently, we have been told we are approved, the request is in process, the paperwork was not done correctly, we did need to submit paperwork. We have called every month numerous times and have been given different explanations every time. There is never a supervisor or specialist available to speak to when we call. This matter has still not been resolved and our credit has been severely damaged. We would just like for this process to be finalized and move on.

  

  Business Response

  Date: 09/08/2022

  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:07/27/2022

  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.

  Due to an error Cardinal Financial made during our refinance process, I lost my original ******************** policy, and lender placed insurance was charged to my escrow in the amount of $3497.70, which is over double the reasonable policy costs necessary to cover the property. Despite multiple attempts to contact Cardinal by both myself and my insurance company, the problem was never fixed, leading to a lapse in coverage.While I have since fixed the problems this caused, I have only been refunded $1590.75 so far. I would like to be refunded (at least) $1,906.95 to my escrow account to reflect Cardinal's repeated and sustained negligence in this matter, not to mention the extreme headache of doing business with them. The business has been extremely obtuse and slow with fixing this matter.

  

  Business Response

  Date: 08/05/2022

  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:07/18/2022

  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 would like to clarify why my husband and I are in this position. My husband called late May to ask if our **** payment could be deferred. He was told yes. He confirmed that we did not owe until July. The representative said yes. We thought we were good. We then get a call from collections stating we owe for **** and his credit would be impacted and we needed to pay up. We were worried and confused and stated that we deferred ****. They said that they do not offer deferments and we need to pay. We were asked rudely if we dont have a retirement fund we could ****** from if we didnt have the money. We explained had we been told this in the beginning we would have paid our normal payment no problem but when we are told we are fine and dont owe until July the money was used elsewhere. We have been shuffled around with little compassion and no accountability for the false information and now horrible predicament your company has now put us in. We asked to file a complaint and for the call to be reviewed by research which never happened even though we were told it would. My husband is working as much over time as possible to help pay what extra we can but with todays times and two kids starting school in less than a month finding an extra $1,128.00 is difficult when your company said we were ok to skip a payment no problem. We spoke with loss mitigation this past Friday and were told told sorry but we can fill out a packet and send it in and we will hear back in ********************************************************************************************************* the mean time. This is insane and unfair. All your representatives had to say was a deferment is not offered. The payment would have been paid on time as normal. Now we fear of harming our credit and losing our home because of your company. If we could refinance with someone else we would. People financial gave us wonderful service. Great people who worked with us and helped us. Then we get to cardinal an

  

  Business Response

  Date: 07/27/2022

  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 *********************************************