improper charges XXXX. * * FHA compliance breakdown * * - acceptance of deficient safety evaluation XXXX. * * Regulatory oversight gaps * * - multiple federal law violations in single transaction # # FINANCIAL HARM TO CONSUMER - * * Disclosure Violations : * * Denied legal right to 3-day review period - * * Excessive Fees : * * $ XXXX in overcharges and improper fees - * * Escrow Overcharge : * * $ XXXX in excess escrow collection - * * Safety Risk : * * Life-threatening electrical hazard not identified - * * Total Estimated Harm : * * $ XXXX in financial impact # # REQUESTED ACTIONS # # # Immediate Relief XXXX. * * Investigation * * of Gershman 's TILA-RESPA compliance procedures 2. * * Audit * * of fee practices and escrow calculation methods XXXX. * * Review * * of appraisal oversight and quality control standards XXXX. * * Restitution * * for excessive fees and improper escrow collection # # # Systemic Reform XXXX. * * Enhanced oversight * * of Gershman 's disclosure timing procedures XXXX. * * Fee structure review * * to prevent predatory pricing XXXX. * * Appraisal quality control * * improvements for FHA loans 4. * * Staff training * * on federal compliance requirements # # # Consumer Protection 1. * * Public database entry * * to warn other consumers 2. * * Regulatory monitoring * * of future compliance 3. * * Industry guidance * * on proper disclosure timing and fee practices # # SUPPORTING DOCUMENTATION - Closing Disclosure documents showing same-day issuance - Email evidence of appraisal timing violations- Photographs of electrical panel showing GFCI violations XXXX Appraisal report with safety oversight - Fee comparison documentation To reiterate : XXXX. Nature of the Complaint This formal complaint is submitted to HUD

What the CFPB Record Shows About improper charges XXXX. * * FHA compliance breakdown * * - acceptance of deficient safety evaluation XXXX. * * Regulatory oversight gaps * * - multiple federal law violations in single transaction # # FINANCIAL HARM TO CONSUMER - * * Disclosure Violations : * * Denied legal right to 3-day review period - * * Excessive Fees : * * $ XXXX in overcharges and improper fees - * * Escrow Overcharge : * * $ XXXX in excess escrow collection - * * Safety Risk : * * Life-threatening electrical hazard not identified - * * Total Estimated Harm : * * $ XXXX in financial impact # # REQUESTED ACTIONS # # # Immediate Relief XXXX. * * Investigation * * of Gershman 's TILA-RESPA compliance procedures 2. * * Audit * * of fee practices and escrow calculation methods XXXX. * * Review * * of appraisal oversight and quality control standards XXXX. * * Restitution * * for excessive fees and improper escrow collection # # # Systemic Reform XXXX. * * Enhanced oversight * * of Gershman 's disclosure timing procedures XXXX. * * Fee structure review * * to prevent predatory pricing XXXX. * * Appraisal quality control * * improvements for FHA loans 4. * * Staff training * * on federal compliance requirements # # # Consumer Protection 1. * * Public database entry * * to warn other consumers 2. * * Regulatory monitoring * * of future compliance 3. * * Industry guidance * * on proper disclosure timing and fee practices # # SUPPORTING DOCUMENTATION - Closing Disclosure documents showing same-day issuance - Email evidence of appraisal timing violations- Photographs of electrical panel showing GFCI violations XXXX Appraisal report with safety oversight - Fee comparison documentation To reiterate : XXXX. Nature of the Complaint This formal complaint is submitted to HUD

improper charges XXXX. * * FHA compliance breakdown * * - acceptance of deficient safety evaluation XXXX. * * Regulatory oversight gaps * * - multiple federal law violations in single transaction # # FINANCIAL HARM TO CONSUMER - * * Disclosure Violations : * * Denied legal right to 3-day review period - * * Excessive Fees : * * $ XXXX in overcharges and improper fees - * * Escrow Overcharge : * * $ XXXX in excess escrow collection - * * Safety Risk : * * Life-threatening electrical hazard not identified - * * Total Estimated Harm : * * $ XXXX in financial impact # # REQUESTED ACTIONS # # # Immediate Relief XXXX. * * Investigation * * of Gershman 's TILA-RESPA compliance procedures 2. * * Audit * * of fee practices and escrow calculation methods XXXX. * * Review * * of appraisal oversight and quality control standards XXXX. * * Restitution * * for excessive fees and improper escrow collection # # # Systemic Reform XXXX. * * Enhanced oversight * * of Gershman 's disclosure timing procedures XXXX. * * Fee structure review * * to prevent predatory pricing XXXX. * * Appraisal quality control * * improvements for FHA loans 4. * * Staff training * * on federal compliance requirements # # # Consumer Protection 1. * * Public database entry * * to warn other consumers 2. * * Regulatory monitoring * * of future compliance 3. * * Industry guidance * * on proper disclosure timing and fee practices # # SUPPORTING DOCUMENTATION - Closing Disclosure documents showing same-day issuance - Email evidence of appraisal timing violations- Photographs of electrical panel showing GFCI violations XXXX Appraisal report with safety oversight - Fee comparison documentation To reiterate : XXXX. Nature of the Complaint This formal complaint is submitted to HUD has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to # # , and the most recent logged activity is # # TILA-R, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, improper charges XXXX. * * FHA compliance breakdown * * - acceptance of deficient safety evaluation XXXX. * * Regulatory oversight gaps * * - multiple federal law violations in single transaction # # FINANCIAL HARM TO CONSUMER - * * Disclosure Violations : * * Denied legal right to 3-day review period - * * Excessive Fees : * * $ XXXX in overcharges and improper fees - * * Escrow Overcharge : * * $ XXXX in excess escrow collection - * * Safety Risk : * * Life-threatening electrical hazard not identified - * * Total Estimated Harm : * * $ XXXX in financial impact # # REQUESTED ACTIONS # # # Immediate Relief XXXX. * * Investigation * * of Gershman 's TILA-RESPA compliance procedures 2. * * Audit * * of fee practices and escrow calculation methods XXXX. * * Review * * of appraisal oversight and quality control standards XXXX. * * Restitution * * for excessive fees and improper escrow collection # # # Systemic Reform XXXX. * * Enhanced oversight * * of Gershman 's disclosure timing procedures XXXX. * * Fee structure review * * to prevent predatory pricing XXXX. * * Appraisal quality control * * improvements for FHA loans 4. * * Staff training * * on federal compliance requirements # # # Consumer Protection 1. * * Public database entry * * to warn other consumers 2. * * Regulatory monitoring * * of future compliance 3. * * Industry guidance * * on proper disclosure timing and fee practices # # SUPPORTING DOCUMENTATION - Closing Disclosure documents showing same-day issuance - Email evidence of appraisal timing violations- Photographs of electrical panel showing GFCI violations XXXX Appraisal report with safety oversight - Fee comparison documentation To reiterate : XXXX. Nature of the Complaint This formal complaint is submitted to HUD reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "not at least '' ) - * * Email Evidence : * * Lender email dated XX/XX/XXXX stating last piece before final approval '' # # EXCESSIVE AND PREDATORY FEES # # # XXXX. Commitment Fee - * * Amount Charged : * * {$1300.00} ( 0.48 % of loan amount ) - * * Industry Standard : * * Typically $ XXXX for loan of this size - * * Impact : * * $ XXXX overcharge compared to market rates # # # XXXX. Inappropriate Buyer Agent Fee - * * Amount : * * {$390.00} charged to borrower for Buyer Broker Fee '' - * * Issue : * * Buyer 's agent fees should not be charged to borrower - * * Impact : * * Improper fee shifting to consumer # # # XXXX. Questionable Additional Fees - * * Home Warranty : * * {$590.00} ( optional service charged as requirement ) - * * Real Estate Processing Fee : * * {$340.00} ( duplicate/junk fee ) - * * Total Questionable Fees : * * {$1300.00} in potentially improper charges # # RESPA ESCROW VIOLATIONS # # # Excessive Initial Escrow Collection - * * Amount Collected : * * 5 months of property taxes at closing - * * RESPA Limit : * * Maximum 2-month cushion plus amount needed until first payment - * * Potential Overcharge : * * Approximately $ XXXX excess collection - * * Section : * * RESPA Section 10 escrow account limitations # # FHA COMPLIANCE AND SAFETY VIOLATIONS # # # 1. Deficient Appraisal Acceptance - * * Appraiser : * * XXXX XXXX ( XXXX XXXX", and the single most common underlying issue is "soundness".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating improper charges XXXX. * * FHA compliance breakdown * * - acceptance of deficient safety evaluation XXXX. * * Regulatory oversight gaps * * - multiple federal law violations in single transaction # # FINANCIAL HARM TO CONSUMER - * * Disclosure Violations : * * Denied legal right to 3-day review period - * * Excessive Fees : * * $ XXXX in overcharges and improper fees - * * Escrow Overcharge : * * $ XXXX in excess escrow collection - * * Safety Risk : * * Life-threatening electrical hazard not identified - * * Total Estimated Harm : * * $ XXXX in financial impact # # REQUESTED ACTIONS # # # Immediate Relief XXXX. * * Investigation * * of Gershman 's TILA-RESPA compliance procedures 2. * * Audit * * of fee practices and escrow calculation methods XXXX. * * Review * * of appraisal oversight and quality control standards XXXX. * * Restitution * * for excessive fees and improper escrow collection # # # Systemic Reform XXXX. * * Enhanced oversight * * of Gershman 's disclosure timing procedures XXXX. * * Fee structure review * * to prevent predatory pricing XXXX. * * Appraisal quality control * * improvements for FHA loans 4. * * Staff training * * on federal compliance requirements # # # Consumer Protection 1. * * Public database entry * * to warn other consumers 2. * * Regulatory monitoring * * of future compliance 3. * * Industry guidance * * on proper disclosure timing and fee practices # # SUPPORTING DOCUMENTATION - Closing Disclosure documents showing same-day issuance - Email evidence of appraisal timing violations- Photographs of electrical panel showing GFCI violations XXXX Appraisal report with safety oversight - Fee comparison documentation To reiterate : XXXX. Nature of the Complaint This formal complaint is submitted to HUD: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.