KeyBank NA Mortgage Complaint

KeyBank NA Mortgage department,

Home equity loan or line of credit Application, originator, mortgage broker Ohio

I bought a house in - -, 2014. We extensively remodeled it and now are trying to refinance to repay the original lender, as I indicated to him I would repay the loan after we were done. I recently discovered, that there was an additional mortgage on the house, filed at the courthouse on - -, 2014, just a couple of workdays before the closing, by KeyBank of -. NOTE THE PRIOR OWNERS RECEIVED THAT $50000.00 lLOAN PROCEEDS PLUS OUR FULL PRICE WE PAID FOR THE HOUSE. I do not understand how KeyBank could have got their loan through underwriting without noting the home was for sale. It was listed in the - for sale ( pending ) when the mortgage was dated ( - -, 2014 ). KeyBank will not talk to me about any of this due to " privacy concerns '' even though this is stopping my ability to finance the house.


Why is everybody at KeyBank so concerned about their customers privacy but unwilling to discuss the lien on my house that should be removed? Today, they even refused to give me the contact information for their mortgage or title departments so I could just give that info to my new mortgagor. ( which I am afraid they are going to deny the loan because the processor told me " it sounds shady ''. ) I am wondering what Key Bank may have done wrong that they might not want to admit to me becasue it is causing me to lose money and sleep. Did they violate their own underwriting requirements? Did they cross any other lines they should not have? Should they have acted more quickly when they became aware of the situation? And finally, why no obligation to me?