Absolute Home Mortgage Corp.

In response to [redacted] Inqury, Absolute home mortgage investigated [redacted] claim's that a Verification of Employment was requested by AHMC on or about June AHMC was unable to locate a loan records for this customerAbsolute Home Mortgage Contacted [redacted] and explained our system did nto reflect any of her informationA inquiry have been made with THE WORK NUMBER System to investigate further [redacted] *** *** was satisfied with this resolution [redacted] V [redacted] COO

Complaint: ***
I am rejecting this response because:All of the email documents I have I would bewilling to mail into the Revdex.com I have too many to upload Anyspecific reference I would be glad to support I have attached a few for reference
Foremost, on AHMC's behalf, the poster of theirresponse included my personal identifiable information in the form of my socialsecurity number and date of birth as well as my wife's This needs to beremoved immediately as I did not give permission for this information to beshared I will pursue this in another venue...First, let me address our initial meeting. We were referred to Stephanie and it was approximately days to close. Stephanie said from meeting one, "don't worry, I get these referralsall the time and don't worry, we will get it done" See her again statingthis in the attached files Our initial interest rate was said to be nohigher than 4.375% and that it is not at that yet When we asked her whatthe rate was, she replied that she did not know We were not given any ofthe initial paperwork from our first meeting We trusted that Stephaniewas acting in our best interest As the loan progressed, we inquired manymany times what the rates were at and that we wanted to lock Why wouldsomeone ask this so many times if we knew that our rate was already at 4.375? Seems foolish We asked on the 5th via email to lock! Seethat in the attached documents as well We asked and asked and asked whatthe rates were and never once got an answer I have so many emails to prove. If Stephanie has any of these emails showing me an answer to my questionsabout the rates and actually provided me with a number by all means please postit Like I said, why would I be so persistent and she be watching therates and monitoring the rates for her clients if we were at from thestart? Again, see the emails See my requests to lock, see myquestions why I did not have a say in locking and so on I have many moreemail chains, not to mention the countless calls I have cell phone recordsas well. Second, my ** eligibility still showed my oldhome from over years ago I told Stephanie about this from the start. The very day that it was requested from Stephanie, it took me all of onehour to clear up and have the certificate to her Her claim that this wasa delay is an outright statement I have that chain of emails aswell in addition to the date I received that certificate My emails showher date of request and my fulfillment of her request This is thedishonesty that I am referring to so it not to be confused with slanderousaccusations In response to the status of unknown, the limboso to speak, also refer to some of the emails I have many more askingthe status of our loan and where we stood on things I had to prompt anddrive many aspects of this loan Discussing Stephanie's expertise I foundher to have received her licenses in That does not equate to 10years of experience in my opinion See one email specifically from Manny,her boss, stating that "Stephanie is a student of the market" and has to advise with him Someone explain to me how that relatesto an expert When I discussed the training that the ** provides lenders,even Manny had no idea I had to quote steps and instructions to them. How is that a consummate professional capable of closing a ** loan in thetime promised even if it is less than average time? Stephanie is the onewho made that commitment On one hand she said no problem I do this allthe time and the other she said "** loans never happen in days" Someone tell me how I was not misled? My phone conversation with her manager/fianceewent no better, you may see some email chatter regarding my concerns Healso informed me that Stephanie was under his guidance and still had much tolearn amongst other things When my loan was past closing, which I didnot even know was going to happen until the day prior(see email) Afteras we were sitting on pins and needles regarding the status of our loan, it gotto a point where I had to have my realtor call the owner of the company. It is also important to mention how my realtor and his staff were treatedby Stephanie as well He is willing to provide whatever statements orassistance is needed as well During this critical time, with work left tobe done, Stephanie went off on her bachelorette party never even mention thatour file will be sitting This was well after closing and many documentsneeded to be taken care of If this was a professional organization thatwas based around customer care and reputation, why would my file not be passedoff to a trusted partner to keep it a top priority like Manny said it was? So my family and I sat in pure disarray with no direction while my filedid the same in the hands of AHMC I have much more info to share if the need arise. Stephanie's response about her rave reviews are outlandish to say theleast I make one negative review on a site and it takes their rating to50% There are minimal reviews to be found AHMC has a ***rating of give or take For someone held in such high regard, I wouldexpect many more reviews Once Stephanie started my loan, because we werein a position where we had a short period of time to close, we were at themercy of Stephanie I have nothing to hide, our loan was originallystarted with PNC weeks out from closing, we had a buyer for our old home thatwanted a quick close It turned out that my debt to income was a bitoutside their requirements and we were referred to Stephanie who assured us"do not worry" There was nothing fancy about our loan. Only docs required were my ** Cert, some bank statements, and somedeposit explanations The stuff I need to also mention thatI had to send these requested documents to Stephanie on multiple occasionsmultiple times That is also where the limbo status comes from Whoknows what she did with my information Honestly, AHMC, hold up to your statement ofcaring about your customers and admit to the Revdex.com that you mishandled mymortgage You admitted this to me on the phone and do you have thatapology in an email as well? By no means have I slandered anyone, butsimply told the truth You knew that I was a disabled vet in the middleof treatment for cancer and about to be put out on the street because we wereso far past our closing and not knowing if we were going to get closed andchose to do nothing How we had the owner involved but no chance to speedthings up on your end is unfathomable Once it finally got to the ** it tookthe business days, not even Actually So out of the days wewent past our date, of those days were by your mishandling of my loan. I have tons of unanswered emails and phonemessages as does my wife and realtor. Stephanie was often rude, arrogant and controllingHer manager evenattested to her controlling behavior during our phone conversation. This is not someone worthy of an A+Revdex.comrating. My interest rate was manipulatedfrom the get go. See the emails foryourself Any further questions, please feel free to callme *** *** *** I can also provide my realtor's contactinformation to support my claims He is a realtor of years
Regards,
*** ***

In response to [redacted] Inqury, 
Absolute home mortgage investigated [redacted] claim's that a Verification of Employment was requested by AHMC on or about June 2015. AHMC was unable to locate a loan records for this customer. Absolute Home...

Mortgage Contacted [redacted] and explained our system did nto reflect any of her information. A inquiry have been made with  THE WORK NUMBER System to investigate further[redacted] was satisfied with this resolution. 
[redacted] V[redacted]
COO

Review: Recently we became a client of Absolute Home Mortgage Corp and our loan officer was Stephanie S[redacted]out of their Hackettstown, NJ location. Since inception, we were told that our interest rate would not exceed 4.375%. We immediately asked for the current rate and we wanted to lock due to market activities. Never did we get any current rate information and our numerous requests were ignored. This led us to Stephanie telling us the marked was turning and we needed to lock and were locked at exactly the rate we were told we would not exceed with the option to float down. Again, all of our requests for current interest rates were ignored. We were given **gue answers if given anything. We also were promised closing on the 2nd of July and were closed over 3 weeks later because I had to seek the help of this organizations upper management and micro manage the process. I am a disabled veteran recently diagnosed with cancer and I feel that Absolute Home Mortgage Corp knew that there was not much I could do since I was pre-occupied with treatment to challenge their practices.

I feel we were victims of consumer fraud and unethical business practices regarding our mortgage loan. We were never provided with the information we repeatedly requested and were entitled to receive in order for us to be able to make decisions regarding the details of our loan. We were deliberately kept in limbo until it was too late to take our business elsewhere in order to obtain a more reasonable interest rate and more competent service.

We are seeking redress for the expenditures we incurred as a result of the unethical and incompetent actions of Absolute Home Mortgage Corporation in the handling of our mortgage loan, including the higher interest rate for which we incur approximately $200.00 more per month than they led us to expect, and also that the steps be taken to ensure there are no additional victims of such practices on the part of Absolute Home Mortgage Corporation.Desired Settlement: I would like Absolute Home Mortgage Corp to adjust my interest rate to the lowest market rate found within the period which we conducted business. These dates were May 5, 2015 to July 24th 2015. Additionally, since we exceeded our closing date by over 3 weeks, I am requesting that the use and occupancy agreement fee for 1200$ that I incurred be covered by Absolute Home Mortgage Corp. Even a minuscule changes to interest rates have long term financial effects over the 30 year term of a mortgage.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:All of the email documents I have I would bewilling to mail into the Revdex.com. I have too many to upload. Anyspecific reference I would be glad to support. I have attached a few for reference. Foremost, on AHMC's behalf, the poster of theirresponse included my personal identifiable information in the form of my socialsecurity number and date of birth as well as my wife's. This needs to beremoved immediately as I did not give permission for this information to beshared. I will pursue this in another venue...First, let me address our initial meeting. We were referred to Stephanie and it was approximately 30 days to close. Stephanie said from meeting one, "don't worry, I get these referralsall the time and don't worry, we will get it done". See her again statingthis in the attached files. Our initial interest rate was said to be nohigher than 4.375% and that it is not at that yet. When we asked her whatthe rate was, she replied that she did not know. We were not given any ofthe initial paperwork from our first meeting. We trusted that Stephaniewas acting in our best interest. As the loan progressed, we inquired manymany times what the rates were at and that we wanted to lock. Why wouldsomeone ask this so many times if we knew that our rate was already at 4.375? Seems foolish.... We asked on the 5th via email to lock! Seethat in the attached documents as well. We asked and asked and asked whatthe rates were and never once got an answer. I have so many emails to prove. If Stephanie has any of these emails showing me an answer to my questionsabout the rates and actually provided me with a number by all means please postit. Like I said, why would I be so persistent and she be watching therates and monitoring the rates for her clients if we were at 4.375 from thestart? Again, see the emails. See my requests to lock, see myquestions why I did not have a say in locking and so on. I have many moreemail chains, not to mention the countless calls. I have cell phone recordsas well. Second, my ** eligibility still showed my oldhome from over 5 years ago. I told Stephanie about this from the start. The very day that it was requested from Stephanie, it took me all of onehour to clear up and have the certificate to her. Her claim that this wasa delay is an outright false statement. I have that chain of emails aswell in addition to the date I received that certificate. My emails showher date of request and my fulfillment of her request. This is thedishonesty that I am referring to so it not to be confused with slanderousaccusations. In response to the status of unknown, the limboso to speak, also refer to some of the emails. I have many more askingthe status of our loan and where we stood on things. I had to prompt anddrive many aspects of this loan. Discussing Stephanie's expertise I foundher to have received her licenses in 2010. That does not equate to 10years of experience in my opinion. See one email specifically from Manny,her boss, stating that "Stephanie is a student of the market" and has to advise with him. Someone explain to me how that relatesto an expert. When I discussed the training that the ** provides lenders,even Manny had no idea. I had to quote steps and instructions to them. How is that a consummate professional capable of closing a ** loan in thetime promised even if it is less than average time? Stephanie is the onewho made that commitment. On one hand she said no problem I do this allthe time and the other she said "** loans never happen in 30 days" Someone tell me how I was not misled? My phone conversation with her manager/fianceewent no better, you may see some email chatter regarding my concerns. Healso informed me that Stephanie was under his guidance and still had much tolearn amongst other things. When my loan was past closing, which I didnot even know was going to happen until the day prior(see email). Afteras we were sitting on pins and needles regarding the status of our loan, it gotto a point where I had to have my realtor call the owner of the company. It is also important to mention how my realtor and his staff were treatedby Stephanie as well. He is willing to provide whatever statements orassistance is needed as well. During this critical time, with work left tobe done, Stephanie went off on her bachelorette party never even mention thatour file will be sitting. This was well after closing and many documentsneeded to be taken care of. If this was a professional organization thatwas based around customer care and reputation, why would my file not be passedoff to a trusted partner to keep it a top priority like Manny said it was? So my family and I sat in pure disarray with no direction while my filedid the same in the hands of AHMC. I have much more info to share if the need arise. Stephanie's response about her rave reviews are outlandish to say theleast. I make one negative review on a site and it takes their rating to50%. There are minimal reviews to be found. AHMC has a [redacted]rating of 3.9 give or take. For someone held in such high regard, I wouldexpect many more reviews. Once Stephanie started my loan, because we werein a position where we had a short period of time to close, we were at themercy of Stephanie. I have nothing to hide, our loan was originallystarted with PNC 6 weeks out from closing, we had a buyer for our old home thatwanted a quick close. It turned out that my debt to income was a bitoutside their requirements and we were referred to Stephanie who assured us"do not worry". There was nothing fancy about our loan. Only docs required were my ** Cert, some bank statements, and somedeposit explanations. The normal stuff. I need to also mention thatI had to send these requested documents to Stephanie on multiple occasionsmultiple times. That is also where the limbo status comes from. Whoknows what she did with my information. Honestly, AHMC, hold up to your statement ofcaring about your customers and admit to the Revdex.com that you mishandled mymortgage. You admitted this to me on the phone and do you have thatapology in an email as well? By no means have I slandered anyone, butsimply told the truth. You knew that I was a disabled vet in the middleof treatment for cancer and about to be put out on the street because we wereso far past our closing and not knowing if we were going to get closed andchose to do nothing. How we had the owner involved but no chance to speedthings up on your end is unfathomable. Once it finally got to the ** it tookthe 5 business days, not even. Actually 4. So out of the 22 days wewent past our date, 18 of those days were by your mishandling of my loan. I have tons of unanswered emails and phonemessages as does my wife and realtor. Stephanie was often rude, arrogant and controlling. Her manager evenattested to her controlling behavior during our phone conversation. This is not someone worthy of an A+Revdex.comrating. My interest rate was manipulatedfrom the get go. See the emails foryourself. Any further questions, please feel free to callme. [redacted]. I can also provide my realtor's contactinformation to support my claims. He is a realtor of 40 years.

Regards,

Business

Response:

After personally discussing [redacted] issues and concerns we have been able to reach a mutual agreement to close this compliant. AHMC will compensate [redacted] for his unfavorable experience with AHMC. AHMC will provide [redacted] with conformation via e-mail/ US Mail. In return [redacted] will remove if possible or status his compliant as resolved in an amicable manner.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me at this time.

Regards,

Review: I was pulling my employment verification and the company came up that they requested my data on 6/19/2015. I have no business with them and no reason for them to request my private information.Desired Settlement: I want to confirm that no one has my identity or this company is using or selling my private information.

Business

Response:

In response to [redacted] Inqury, Absolute home mortgage investigated [redacted] claim's that a Verification of Employment was requested by AHMC on or about June 2015. AHMC was unable to locate a loan records for this customer. Absolute Home Mortgage Contacted [redacted] and explained our system did nto reflect any of her information. A inquiry have been made with THE WORK NUMBER System to investigate further[redacted] was satisfied with this resolution. Matthew V[redacted]COO

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.

Regards,