If I could give CMLS a zero star review, I would. ...

If I could give CMLS a zero star review, I would. I've been using banks, obtaining loans and mortgages for over 15 years and this was by far the worst experience I've ever had. They must be the worst financial institution in Canada. The only reason we ended up with CMLS was because we went though a mortgage broker after some recommendations from friends.

First off, I started an application for a HELOC through CMLS, and the agent went on holidays and completely dropped my file! I filled out forms, sent dozens of requested documents and did everything that was asked of me. So after a month of no communication or responses to my emails, I called head office and got in touch with a different agent. He apologized on behalf of the first agent, and said he would pick up where the first guy left off before he left for holidays. This agent also disappeared without a trace! So I emailed the first agent back and explained my frustration of not getting any support or response for a couple of months. I also asked to speak to a manager or his superior so I could explain how these agents were treating their clients. It was at that time that the agent explained to me that during my application, CMLS coincidentally cancelled their HELOC program so there was nothing else he could do for at this time. Still, I never got an opportunity to talk to his superior or manager. I responded to this email by telling him that I'd like to know my buyout cost so I could switch my mortagage to a new bank. He then responded by telling me about this "brand new HELOC product launching tomorrow" that I could apply for. Are you kidding me? I felt like I was dealing with a scammer because everything he said seemed completely made up and made absolutely no sense.

I went to TD and within 2 days I was approved for a mortgage and the additional HELOC I had been trying to get from CMLS for months. TD has now been calling CMLS everyday for 2 weeks trying to get the buyout price so I can switch my mortgage, and they never get any response. Literally, their incompetencies are still hindering my ability to move on with my life!

It is shocking that this company treats their paying customers this way, then has the ability to handcuff their customers by simply ignoring information requests from other banks.

If anyone at CMLS reads this and cares about how your company treats your customers, please contact me so I can finally have some resolution to this horrifying experience.