We have spoken to Mr. [redacted] regarding the complaint and due to some mis understanding and confusion there was an issue with the checks. We are sending him a certified check to be sure there are no further issues. We went above and beyond to help him refinance his loan and at the...
end of the transaction he did not want to pay the title fees that were known throughout the entire process. We made the business decision to refund him all of his title fees rather than not completing the refinance that we along with our lender and title company had worked so long on. This was not required but we wanted to make sure our customer was satisfied. Please let me know if there is anything else you need regarding this complaint.
I am rejecting this response because:
it is difficult to respond to this because this window is covering the business response. The fact is that they sent me 2 company checks and both of them bounced because of Non Sufficient Funds. The "accountant" Melissa called me once to offer a cashiers check but I told her I had just received the second company check and I assumed it would be good. As stated before the second check also bounced. As stated in the original complaint the $1200 additional fee was disclosed at the end of the refinance because the loan processor had assumed that I lived in a "Single Family Residence" when in fact, I live in a duplex which is clearly disclosed on the property profile and in Google and real estate websites. EC Financial had made many mistakes repeatedly and failed to correct them and that is why the final estimate of "cost to refinance" was wrong. When the Title Company officer showed up to have me sign the loan docs, she informed me that they would only accept a cashiers check and that was the last straw. It was 9pm and no way to get a cashiers check. There is no name on the EC Financial response to this complaint. Again typical EC Financial procedures. I also suspect that the loan agent James C[redacted] is not licensed to do loans in California as he is the only one I spoke to during my whole refinance process yet his name never appears on any of my loan papers. To prove that I have not been paid ask EC Financial for a canceled check showing payment to me. I have repeatedly called Melissa and she no longer returns my calls. I did speak with James C[redacted] several times and he said he would look into the matter but it remains to be unpaid.
We have spoken to Mr. [redacted] regarding the complaint and due to some mis understanding and confusion there was an issue with the checks. We are sending him a certified check to be sure there are no further issues. We went above and beyond to help him refinance his loan and at the...
end of the transaction he did not want to pay the title fees that were known throughout the entire process. We made the business decision to refund him all of his title fees rather than not completing the refinance that we along with our lender and title company had worked so long on. This was not required but we wanted to make sure our customer was satisfied. Please let me know if there is anything else you need regarding this complaint.
I am rejecting this response because:
it is difficult to respond to this because this window is covering the business response. The fact is that they sent me 2 company checks and both of them bounced because of Non Sufficient Funds. The "accountant" Melissa called me once to offer a cashiers check but I told her I had just received the second company check and I assumed it would be good. As stated before the second check also bounced. As stated in the original complaint the $1200 additional fee was disclosed at the end of the refinance because the loan processor had assumed that I lived in a "Single Family Residence" when in fact, I live in a duplex which is clearly disclosed on the property profile and in Google and real estate websites. EC Financial had made many mistakes repeatedly and failed to correct them and that is why the final estimate of "cost to refinance" was wrong. When the Title Company officer showed up to have me sign the loan docs, she informed me that they would only accept a cashiers check and that was the last straw. It was 9pm and no way to get a cashiers check. There is no name on the EC Financial response to this complaint. Again typical EC Financial procedures. I also suspect that the loan agent James C[redacted] is not licensed to do loans in California as he is the only one I spoke to during my whole refinance process yet his name never appears on any of my loan papers. To prove that I have not been paid ask EC Financial for a canceled check showing payment to me. I have repeatedly called Melissa and she no longer returns my calls. I did speak with James C[redacted] several times and he said he would look into the matter but it remains to be unpaid.