To wit, local to me in California there's a regional bank doing "stated income" HELOCs where they don't verify the "stated income" in any way whatsoever, for example.

Need answers ASAP with this busy holiday season and all these packages being stolen..Honestly, I really feel like not accusing them but going over there and putting a huge sign up that says " do not have packages delivered to this building, we have a thief among us".. email me to get address to send packages and I will bring them to you... 

Don't be fooled into thinking these clowns are going to be moved out on February 1st.I would take a witness with you during the 24 hour conversation.

And I'm not accusing the OP of being that, because he wasn't even afforded the opportunity to reach that point with this clown of an agent.I agree 100% with your last paragraph, it was a totally inappropriate way for the agent to tell him this and I wonder if the agent will survive much longer in the industry with that lack of communication skills.

For example, in the deal that started this post everyone is accusing us of taking advantage of an elderly widower. 

A few days later she came back to me wit these options, #1 has been indicated to me will be no problem to get me approved.#1: 1 million dollar line we can apply for right now, 80% of Purchase Price (no holdback)10% interest rate 3 points paid upfront to establish the line plus $2000 in legal fees 1MM minimum line$1000 flat fees per deal#2: 5 million dollar line, need to have closed 10 flips in the last 2 years, so we would need to get a couple more closed for you. 

A witness, photographic evidence that literally millions upon millions of people can see, and a fire that's GOING to expose these guys, and that's to flimsy to evict in a court of law???

Thats why I am asking hereWell, that usually indicates some sort of financial hanky-panky......not accusing your significant other of anything, but just saying........I mean, what other reason could there be for refusing to pay a tax guy a couple hundred bucks....?

And, try to force all communication to be via text or email so it is documented and she doesn't attempt to accuse you of anything.5. 

I get the feeling she would have him stay over almost all the time if I was ok w/it.