Sebonic Financial Complaints and Reviews

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Sebonic Financial
Main address: 3701 Arco Corporate Drive Suite 415 28273 Charlotte NC
877 721 6866, ,
  • 22 complaints
  • $12K claimed losses
  • $546 average
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  • Oct 15
  • Loans and Mortgages
  • Charlotte, North Carolina
  • Loan Application
  • 305

Initial contact impressive then it went downhill with each lender inquiry being from a different person within Sebonic / Cardinal. (9 Nine different individuals + their own cloud) Lots of requests, emails, and work placed on the customer. The requested information was provided to each source and now I wonder if my identity will be compromised. If it happened to J P Morgan, Home Depot, and... Read more

Was this review helpful? 3 5


  • Oct 12
  • Loans and Mortgages
  • Atlanta, Georgia
  • Mortgage Loan
  • 175

Lender took 5 weeks to close two loans...we were running to the abosolute last minute. I had to upload and resend documents 3 and 4 times. Even though I specifically requested that both loans be placed with the same processor and underwriter...they separated them. Closing department was not helpful on the phone even up until a hour before closing...My complaint email was not responded to by 3... Read more

Was this review helpful? 2 1


  • Sep 22
  • Loans and Mortgages
  • Home Mortgage
  • 1065

The first part of the loan went just fine. When we found the house the company moved quickly and gave me a bunch of paperwork to go through (initial proccessing) . All relitivly fine, but there was delay on thier part. Then it went to underwritting and final processing. Itbsat in final processing three days prior to contact. They had no urgency when they extended the lock period past 30... Read more

Was this review helpful? 9 2


  • Aug 24
  • Loans and Mortgages
  • Mortgage Refinance
  • 3
  • 3
  • 2367

John Bennett, our initial contact, was great: not pushy, came through with what he promised, nice to talk to, etc. once we made the deposit and were put in the care of Cardinal financial, things went South in a hurry. Rather than writing a extensive review, I will give three examples of their horrible service: They entered my wife's SSN wrong. It took them one week to fix it after I pointed the... Read more

Was this review helpful? 26 6


  • Aug 22
  • Loans and Mortgages
  • Charlotte, North Carolina
  • Employment
  • 3
  • 3
  • 537

They refuse to hire me though I am over qualified compared to the people they have hired over the last few months. I was informed by one of their current employees that they are racist and out of their 100 plus employees have less than 5 African American employees. I applied quite some time ago and since that time several caucasian employees have been hired in the operations department with... Read more

Was this review helpful? 11 23


  • Jul 14
  • Finances
  • Customer Service
  • 3
  • 3
  • 2843

To whom it may concern, This is a very detailed evaluation and review of services that were provided by Cardinal Financial for a mortgage loan. This is MY personal experience and opinion as a first time home buyer. Please note, this review is intended to express my experience both positive and negative in a professional manner. I like to educate myself on services that may be provided to me, so... Read more

Was this review helpful? 33 7


  • Jun 19
  • Loans and Mortgages
  • Loan Interest
  • 1578

I too lost the property I was going to buy. I was told I was locked in for an interest rate for a 20 year loan. When I received the loan contract to sign, this was not the case. This process was hard to go through, because you are trusting a stranger on the other line. I was totally mislead and lied to. I had to put a fraud alert on my SS# and I am in the process of freezing it. Because... Read more

Was this review helpful? 8 6


  • Jun 17
  • Loans and Mortgages
  • Mortgage
  • 1
  • 1
  • 1540

I uploaded all my documents and signed all the papers within 2 days of starting a loan with Sebonic aka cardinal Financial. The told me that my finances were excellent and my debt/income ration was fantastic as well. After waiting on these fools for 2 MONTHS they sent me the following email: "Underwriting has reviewed the income form the tax returns and we will not be able to qualify you for the... Read more

Was this review helpful? 14 1


  • Jun 14
  • Loans and Mortgages
  • Livingston, New Jersey
  • Mortgage Loan
  • 1602

I am an high production Realtor working in Chapel Hill/ Durham NC. Yesterday I closed a transaction where my buyer choose to use Sebonic Financial a company I never heard of previously and one I hope to never hear about again. Based on over 25 yars of experience and over a thousand successfully closed transactions, I can say with some authority that Sebonic Financial was the worst lender I've... Read more

Was this review helpful? 17 3


  • Jun 11
  • Loans and Mortgages
  • Mortgage Loan
  • 1
  • 1
  • 1282

I was so impressed with Sebonic Financial when I first talked to a loan officer on the phone. They answered all of my questions, gave me straight facts without being pushy or aggressive, and they quoted an awesome rate and very low origination fees. It was one of the best deal I could find anywhere. I applied for the loan and started the process. Then I didn't hear very much from anyone. I... Read more

Was this review helpful? 9 0
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