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:05/07/2025

  Type:Product 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 received your complaint. Thank you.We will review your complaint. Depending on what we find, we will typically:Send your complaint to the company for a response; orSend your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office; ***** you know if we need more information to continue our work.YOUR COMPLAINTI recently had my credit pulled from another lender to refinance my current home. On Tuesday, February 25th 2025 at 8am I received an unsolicited call from Swift Home Loans (Company NMLS: *******). The agent told me on the phone they could provide me with a better rate. I told the agent to email me with their quote and I would review it. The agent on the phone asked for some basic information, including my social security number, to verify I was the person they were talking to. After some back and forth with the agent via text message, the agent started requesting personal documents and information to provide me with a quote. I declined as I have received other mortgage quotes without providing this information. The lender then pulled my credit score without my consent. When I confronted the lender about this, they stopped replying to me. I tried calling the agent, but was sent to voicemail. Later that afternoon, I received an email from Swift Home Loans to sign mortgage documents that I had requested. I sent two emails on Tuesday, February 25th indicating I did not request these signature documents and did not give consent to have my credit pulled. I have not heard back from the company and when I try to call the agents number, it goes straight to voicemail.

  

  Business Response

  Date: 05/08/2025

  Hello, please give us a call at ************** so we can assist with your request. 

  Customer Answer

  Date: 05/13/2025

   
  Complaint: 23297693
  
  I am rejecting this response because: I called the number, the business provided on Friday 5/9. The person on the phone said he would have it taken care of that day and would call me back later that afternoon. It is now 5/13, and I have yet to get a reply from the business. 
  
  Sincerely,
  
  ***** ****

  

  Business Response

  Date: 05/13/2025

  Good afternoon, we submitted a request to our credit repository to have the inquiry removed. There is a bit of a process that takes place in order for that to happen, and I had advised that I would follow up with you once we had it resolved. We did contact the credit agency and are working on getting this taken care of for you and will follow up with the next steps.

   

  Thank you,

  Customer Answer

  Date: 05/21/2025

   
  Complaint: 23297693
  
  I am rejecting this response because: It has been over a week since I have fulfilled the companies request, and they have yet to fix the issue. 

  
  Sincerely,
  
  ***** ****

• Initial Complaint

  Date:04/24/2025

  Type:Order Issues
  Status:

  ResolvedMore 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.

  Swift Home Loans has been representing me for a home loan refinance. My Loan Officer, Mr. ******* ********, NLMSL: *******, informed me that my loan was being subcontracted through ********************* and was in underwriting. He asked for additional documentation which was provided and then Mr. ******** stopped responding to all communication via Email, Phone calls, and text messages. When attempting to get additional information from ***************, they would only refer me to the Loan Officer, who is again Mr. ******* ********. Throughout the entire loan process he has been extremely unresponsive and as of this writing as still not responded to my inquiry requests for information.

  

  Business Response

  Date: 04/24/2025

  Good afternoon, we appreciate you reaching out and are reviewing your file. We will have your Loan Officer reach out to you as soon as possible. 

  Customer Answer

  Date: 04/24/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:03/31/2025

  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.

  Lender Swift Loans approved to provide cash out from refinancing home loan $20,000 to payee ****** ****** $6240 to payee ****** ****** ***** to payee ****** ****** Listed checks attached; however, when asked about money not Received, they provide a name *. ******** that cashed checks and they emailed images of Checks that forged my signature to Cash the money. I never received my cash from the Contract terms. Now, they asked me to file for fraud since my signature was forged, but There are other issues with this situation because theres no evidence that the checks were mailed by postal service. Only these images provided that show my name was illegally forged to sign my checks. Please report! ***** this company. Theyre scamming people of money promised. Please warn costumers. They refuse to provide information and they said it was 1 year ago, but no, the money transactions occurred in June and August 2024.

  

  Business Response

  Date: 04/01/2025

  Good morning, we are in receipt of your complaint and have contacted the title company to advise us on which checks were mailed and if there are tracking numbers they can provide. Based on your closing documents, you should have received a check of $6,214 to pay off your Apple Card and a check for $20,245 to be paid to Fnb of *****. It appears that some of the copies of checks you received were intended for another person as the amounts on those checks don't match what you were supposed to receive. We will respond again once we get additional information from the title company. 

• Initial Complaint

  Date:01/09/2025

  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.

  1/9/25 I have been working with this company for going on 3 weeks. They called me at the end of my loan process with Rocket mortgage and said they could give me a lower rate. I questioned from the first day if they were trustworthy and easy to work with. I was asked a multitude of questions about the deal I had with rocket and after answering ******* knew where we stood. He knew from day one I already had my appraisal completed with rocket and the rate and amounts I was to recieve. He says he could do me one better. He told me to send over documentation such as my dl, paystubs, letter from my employer and a pdf copy of my appraisal which I did. He then started running number days later and we worked out the perfect numbers paying off my car and a small loan as well as money to do some fixes to my home. Days went by and I got called by **** asking for paystubs. I let him know I had sent them but that I was sick and not at work to get him copies but that I already provided him to *******. We had several conversations about not having documents and bad communication between them. I finally spoke to ******* last week and again this week basically like hey what's going on can you let me know what's going on. I explained to ******* that I was trying to replace my carpet as well as he said I would get the money back for appraisal I let him know I was limited to what I gain my account for that. He said they would take care of it and take it out of the loan. I was told many times don't worry about it. I have been told since last week I'm good to go. At that time I removed some carpeting to get ahead of the game as I want to get new carpet installed. I was told by ******* as well and **** two days ago that all is well after some confusion about release of the appraisal from Rocket. At that time I was told I needed to pay for it. I told them I had $250 I could pay. Today I am being told that I can not get this loan until repairs are made. No rocket dis not require this.

  

  Business Response

  Date: 01/10/2025

  Good afternoon, I am sorry you are not having a great experience thus far. I know one of our team members contacted you today to discuss your loan, please don't hesitate to reach out to us again should you need anything further. 

• Initial Complaint

  Date:01/08/2025

  Type:Product Issues
  Status:

  ResolvedMore 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.

  In October '24 I paid Swift Home Loans about $9,000 to assist me with a refinance that included the updating of the title document for my home. The title was NOT updated; Swift Home Loans admits this was due to an internal error on their part, but they have made no offer to refund me and of the monies that I paid for this service. I was told via email on 12/6/24 that Swift cannot resolve the issue and I will have to get a lawyer to assist.I was told on 12/9/24 that my loan officer (****** **********) would contact me soon with a resolution.1/6/24 - I reached out to ****** and **** ******** via phone and email to follow up since I had not heard back.1/8/25 - I reached out to ****** and **** via phone to follow up since I had not heard back.1/8/25 - I reached out to Swift Home Loans main number to follow up since I had not heard back. I was told via phone that the issue could be resolved with an email link although I might have to pay a fee.1/8/25 - Instead of a link I was sent a map to my local county office and told that I would need to fill out the title docs, pay for a notary, and visit my county office in person to resolve the updated title issue because there is nothing more that Swift can do to update the title post close.

  

  Business Response

  Date: 01/09/2025

  Hi *******, I am very sorry to hear you did not have a good experience and haven't heard back from our team, that is unacceptable. Can you please give me a call directly at ************** so I can assist you? 

  Customer Answer

  Date: 01/14/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

  Regards,

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

• Initial Complaint

  Date:10/23/2024

  Type:Customer Service Issues
  Status:

  ResolvedMore 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.

  agent was pushy about getting my information - also asked me to verify using the first 3 of my social which is a huge red flag for security purposes I found out

  

  Business Response

  Date: 10/24/2024

  Thank you for the feedback. 

  Please call me at ************ to discuss. I am very sorry for the experience here and we will fix it. 

  Customer Answer

  Date: 10/29/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved. I don't really care anymore and this is not worth my time.

  Regards,

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

• Initial Complaint

  Date:08/23/2024

  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.

  Swift Home Loans refinanced my mortgage and when they sent in the final payoff it did not account for the month of August making me responible for the payment of $2100. According to the contract with them, since I was not charged for the month of August, the intrest for that payment was added to the end of my new loan making me responsible for a double charge. I have contacted them repeatedly and they are refusing to return any of my emails, phone calls and text messages. I have documents stating my case and have verified information with the old mortgage company. I am also currently living paycheck to paycheck. Please help!

  

  Business Response

  Date: 09/07/2024

  Please call me directly at ************. This is not acceptable and it will be fixed. 

• Initial Complaint

  Date:07/30/2024

  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.

  Receiving calls and texts despite being on the do-not-call registry

  

  Business Response

  Date: 07/31/2024

  Hi Cal, Your daytime phone number and email have been removed from our system. Apologies. 

• Initial Complaint

  Date:06/25/2024

  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.

  Somehow Swift Home Loans got my contact information a few months back, requesting I consider taking an IRRL with them. Multiple times during phone calls and texts, they've ask me to consider, which the conversation concludes with me not wanting any business from them. It's getting to a point where they're calling daily to a point where it could be considered harassment. If this is how Swift Home Loans conducts prospecting potential clients, they need to fire their business operations director. It's inappropriate to continually call and text people that DO NOT WANT TO ENGAGE IN BUSINESS WITH YOUR COMPANY! No means no, and that's has to be it. If you can't take a hint, then take this complaint as a constant reminder that you cannot repeatedly texting and calling someone from different phone numbers asking if they've changed their minds. It's unethical and morally incorrect for a business to continue these sales practices. Even if I would get a lower rate from Swift Homem Loans, I still wouldn't enter into any agreement with them, because their operations do not consider other people's standings and decisions. If they're not considerate of my decisions, then they'll won't be considerate in contracts. No means no, Swift Home Loans.

  

  Business Response

  Date: 07/08/2024

  Thank you for the feedback here. We are reviewing all communications that we have had with this homeowner. We have added the client to the "Do Not Contact" list on our end. Thanks again. 

• Initial Complaint

  Date:04/29/2024

  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.

  Did a refi with them last year had another setup to close 4/29/24 and on that day they said they didn't lock in the rate from a month earlier. I ended up paying $188 in late fees and lost our refi because they didn't do their f****** job.

  

  Business Response

  Date: 07/08/2024

  Hi *****, We are currently reviewing all of the communication and if you paid a late fee because of something we fell short on, we will make that right. Please call ************ as I'm showing that we still have a loan in process for you. Apologies.