Complaints

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:06/30/2025

  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.

  I am filing this complaint on behalf of my father, ********* ******, who is 80 years old, Spanish-speaking only, and lives on a fixed Social Security income of $1,575/month. He has owned and lived in his home at ************************************************************** for more than three ********** July 2024, he received a mortgage statement from *********** Company indicating a $0.00 balance. Based on that document, and having made regular monthly payments for years, he reasonably believed that his loan was paid in full. As a result, he stopped sending payments as of August 2024.Since then, he received no follow-up communication, billing statements, or explanation in his language to suggest otherwise. At no point was he properly informed that the loan had been transferred to The Cadle Company, nor that a balance was being ************** our shock, in May 2025, foreclosure proceedings were initiated by Cadle. My father, a senior citizen in vulnerable health and without legal support, is now facing the loss of his home not because of neglect or refusal to pay, but due to misleading documentation, poor communication, and a total disregard for the protections owed to elderly borrowers.Your office also referenced a paper allegedly signed in February 2025 which he did not sign. A Cadle employee acknowledged over the phone on June 27, 2025, that someone else at the address signed the document, which is unacceptable in a matter this serious. The paper was never explained or translated, and my father was not aware of its existence or implications.This company is now claiming over $6,400 in a "deferred balance" without ever sending statements, clarifying transfers, or even identifying where payments are to be sent. These practices show a disturbing pattern of taking advantage of language barriers and age-related vulnerability.

  Business Response

  Date: 07/01/2025

  Notification letters were sent by both Statebridge and The Cadle Company in July of 2024. These letters detail specifically where to send any communications or payments. We are unaware of any letters that show a balance of $0.00. Numerous attempts to communicate had been made between then and now. All of the underlying signed collateral documents are in English, which would lead us to continue to communicate in English.

  This reply will not be as detailed as it was originally going to be, as today an agreement was reached to resolve this matter between us and the customers and as long as the terms are kept, we can consider this matter resolved.

  Please let us know if any further information is required.

  *** D. ********, Vice President, The Cadle Company

• Initial Complaint

  Date:04/10/2025

  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.

  Cadle company has a loan that has been originated in. 2007 for ******. As of 4/25, there is a balance left of *****. After leaving voicemails multiple times, **** finally answered an email. I explained to him that the loan is in my mother's name, she is 87. But the loan has a lien on the property that I purchased over a year ago. At that time the lien didn't come up in my title Search. I explained we needed to resolve this. He explained there is late fees and back payments. Yet there were never any statements sent out to her. So there was no evidence of any payments or late fees for us to see. Again she's 87, she wouldn't know any better. It seemed like taken advantage of her age and memory was taken place. And when I brought that up in our discussion, he didn't care or recognize any wrong doing. I was hopeful that the BBB could intervene to see why there were zero statements sent to the address or emails. And also see if this was purposely done because of the lien that wasn't found at closing. Companies that take advantage of situations like this are exactly why the BBB was created. Thank you for your time. ******* ******** **** ********

  Business Response

  Date: 04/14/2025

                          ******* ******** BBB Complaint
                          BBB Case No. 23182423
                          Current Creditor: The Cadle Company II, Inc.
                          Our Account No. ********
  
  Dear *** or Madam:
  
              The loan to **** E. ******** and **** M. ******** originated on September 7, 2007.  On or about March 11, 2011, there was an Adjustment of Terms Agreement executed by **** M. ******** reducing the monthly payment amount to $150.00 and extending the maturity date of the loan until April 12, 2031.  The documents are enclosed for your reference.  During my telephone call with ******* ******** on April 9, 2025, ******* stated that because of the age of the loan he thought it should have been paid off by now and because it was not, we had to be taking advantage of an 87-year-old woman.  He insisted that the late charges be waived and when I responded that I did not have the authority to waive the late charges, I would ask management. ******* stated that if I did not waive the late fees, he was going to file a complaint with the Better Business Bureau.
  
              Mr. ******* E. ******** also insinuated we were playing games with his elderly mother by recently placing a lien on his property.  I explained that when the mortgage was recorded, that is when a lien was placed on the property.  I gave him the recording date and recording information from the mortgage, but he did not understand how the process worked,nor was he willing to listen to my explanation.  He did not believe my explanation and said that when he bought the property there was no lien on the property because his title company told him there was no lien.  I explained that his title company may have missed the lien, and he should call them to discuss further.    
  
              He also questioned why we are not sending statements. I explained that **** had not requested statements but that I would put that request in now for her to receive statements going forward. As a Small Servicer, we are not required to send monthly statements, but we do upon request.
  
              If you have any questions, please do not hesitate to contact me. I can be reached toll-free at ****************************, between the hours of 8:30 a.m. and 5:00 p.m. ET, Monday through Friday, or email me at ******************************************************************************.

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

  **** ****** is the Account Officer in charge of this account and his contact information is above.

  The publicly recorded documents showing the mortgage and assignments are attached. I am not certain if ******* ******** has Power of Attorney for **** M. ********. As ******* indicated, the property appears to have been transferred to his name on or about December 29, 2023. We are also unaware if the previous holder of the mortgage was aware or approved the transfer of the property into his name. If ******* ******** produces a Power of Attorney, we can also send the additional documentation. Possibly he could produce the title work that he mentions that does not include the subject mortgage. 
  

   

• Initial Complaint

  Date:07/14/2023

  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.

  First off I dont know how my account was given to these people or if it even had an option. The person assigned to my account is very rude and a narcissist. Her name is *****************************. It always a back and forth game when I need to get information. They allow me to make monthly payments never contact me and then out the blue tell me I have a right to cure. Its like they are trying to allow me to default on balance to get my house. I mean no contact no letter or nothing but a right to cure. If I was late it should have been some kind of contact from November 22 to July 23. This is unlawful. There is no manger of ***************** that can take her behavior

  Business Response

  Date: 07/18/2023

  Loans are bought and sold, and we did purchase this loan.  Attempts to communicate with the customer to keep the account current were not successful. If timely payments are made in accordance with the Agreement, there is no reason to communicate.

  A Right to Cure Letter was ultimately sent, which affords the customer the opportunity to submit the amount to bring the account current within a certain time period. 

  When the Right to Cure Letter is sent, the account is placed into a different area for internal organizational purposes. Communication is still available and encouraged and payments can be made in numerous other ways. Regardless, the customer communicated with us, and now has the ability to make the payment electronically. Our understanding was that she would be doing so 07.17.2023, but as I write this on 07.18.2023, that payment has not yet been made.

  Our goal is to keep the account current, and we are certain that is the customer's goal also.