Cardinal Financial
Reviews and Complaints
Unethical Nonperforming. Put 2 hard credit hits on same day
- Beyond awful
Preferred solution: Let the company propose a solution
User's recommendation: Don't even consider Cardinal
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Verified ReviewerVery opaque and self-serving.
We locked into A great rate and interest rates began to rise, their focus became confusion and intimidation.
The loan officer and document specialist lack training to understand the 1040s or 1099s. Cardinal Financial website speaks of Octane an interface to send documents to them; however, documents disappear from the website and their employees have no knowledge of receiving them.
It's like groundhog day over and over and over again for the same document requests of which were previously sent. When you tell them the document was sent 2 weeks ago, they give no explanation. Cardinal financial refuses to accept financial documents prepared by A CPA/ tax attorney or Trust attorney.
You ask for A supervisor? They ignore your request.
You call their customer service to complain, and they transfer you to collections. You ask for the president of the company?
Your request is ignored.
Cardinal financial acts like A company gleaning financial information for what purpose who knows? Obviously, not for providing A loan.
- Have yet to find one
- Total redundancy of paperwork
Preferred solution: Deliver product or service ordered
User's recommendation: Run
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Verified Reviewer | Charlotte, North CarolinaI am an existing customer and Cardinal has treated me unfairly
- Great staff up to point then lousy
- Have yet to find one
- Very misleading and very poor customer service
- Dishonest and misleading wast of time
- Very misleading and a very poorly trained customer service
Preferred solution: Let the company propose a solution
User's recommendation: My recommendation to future customers is not walk but run from working with this company. They do not have your best interest at heart. they only are out for themselves and how much they can make for themselves.
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Verified ReviewerHORRIBLE SERVICE
Preferred solution: Price reduction
Terrible, awful customer service and system
20 years in my home refinanced MANY times, the worst ever. All i am trying to do is PAY my mortgage.
i paid them in advance so i could do bi-weekly flex payments. They never took money from my account. called them 3 times, emails them 3 times with my information. they never responded.
i was today finally advanced to a Supervisor, they said i suggest you follow up. i said did, i suggest someone look at the system its broken! i shouldn't have to fight to make a payment, i WANT you to take the money from my account. Each representative had a different answer.
Then i am actually told i put CASH Disbursement in the subject and that department is called CASH DEPARTMENT, so that could be why??What? i said the email address is still correct.
i have also called and that is what i was told to put in the subject line to get someones attention. i also faxed. i was on discussing the situation for 43 minutes, not kidding, told the supervisor i would be happy to send to her the emails i have sent.
And phone records. She put me on hold AGAIN. its 2:00 p.m. in California.
They are in East Coast, she comes back not realizing i am not on mute and says" i thought she would have hung up by now. and at 5:03 eastern time, she hangs up without saying anything (quitting time i guess) and the system transfers me to the Survey. This has taken over the course of 7 weeks, emails, calls and faxes. and this is just so i can prepay them, i want to pay!
Already called my loan guy asked to get me out of here. i tried to call back, they are closed.
This is where the finance system is broken. if i received this level of customer service from my gym, or cell phone, or bank i could take my business elsewhere.
as a consumer i am stuck with them until my loan is 6 months old to protect my credit so it doesn't look like i did a full cash out. Not to mention the cost I will endure just to get away when I refinance.
- Have yet to find one
- Worst customer service and system communication
Preferred solution: Let the company propose a solution
User's recommendation: Tell your loan agent don't use them upfront!
Bad experience with loan process
User's recommendation: Don't waste your time!!!
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Verified ReviewerResolved: Trying to obtain mortgage for over 90 days now...
Finally got loan approved!!! Thanks Chris Killion!.
- Worst
Preferred solution: Deliver product or service ordered
User's recommendation: DO NOT USE THIS COMPANY! RUN LIKE HEL!
Need other women seniors not to be treated with disrespect and lies
- Great staff up to point then lousy
- Initial contact
- Personal contact
- Brian coil
- Lack of customer compassion
- Fraud
Preferred solution: Deliver product or service ordered
User's recommendation: Never trust this mortgage company
*** poor communication
User's recommendation: Go somewhere else
Refi gone bad
Employees
I have a file of all correspondence with Dannya Mesa, Heather Prowse, and Brad Griffin. Text emails, times called with no response.
- Initial contact
- Being lead to believe i will be buying a new house
- Professionalism
- Total lack of customer service
Preferred solution: Full refund
User's recommendation: Do not use this company. I have been with them for two years every experience worst than the next
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerResolved: Do Not Use This Company!
Cardinal Finance refunded the appraisal fee
Loan officer was attentive and available at first. Then everything went sideways, documents were asked for again and again.
They called my employer 3 times for employment verification, sent 2 faxes and several emails confirming I worked there. The head of my management team finally called me in his office and said what's going on here, this isn't normal. My wife and I had to resubmit the same documents over and over again as the closing date approached Cardinal disappeared no communication no response to emails but still demanded information through the website portal up until the day of closing.
We couldn't reach the loan officer, or processor, no return calls. On the day of closing we find out the loan is not going through. We didn't own the house for twelve months, Information they had from day 1. They bilked us out of $550 for a useless appraisal and I want it back!
This company is very Dishonest and they are Fee Thieves. DO NOT USE THIS COMPANY!
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Verified ReviewerStop calling me
Preferred solution: stop calling!!!
User's recommendation: stay away
Poor communication
Preferred solution: Full refund
User's recommendation: Do your research get multiple quotes, and don't settle with one offer.
Disrespectful Transaction
User's recommendation: Not her or the company if this is who represents
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I am trying to refi with them. I am a current customer trying to get a lower rate.(I was approached by them).
My experience is similar. They keep asking for documents that I have both uploaded to Octane and emailed. There are closing delays not caused by me and they are wanting me to to pay a fee for a rate lock extension. Don't get me wrong.
When the process started, it was smooth as glass. Now it seems like a disorganized office where nobody talks to each other.
I try to contact the various people/contacts in email.....crickets.. .
Sad