AimLoan.com

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I use the web site of the aim loan to view my account and make payments , I attached attachment screen shots of my account , screen shot is the payment amount which is where I get the info on how much to pay online every month , #attachment is the aim loan statements from then same web site#payment that I made this year so far I have been paying the same amount of $for some time I have cancelled checks or the new version of a payment was removed from my bank account into the aim loan account I have paid every month and have never missed a month , I can send them to you or aim loan , but this year I also have paid payment of $plus a payment of $and a payment of $and this is only the month of august the 8th month of the yearsee attachment aim loan payments I do not see the above payments included in the aim loan statementi just paid $8-and that payment is no where to be found on the web sitei did receive a call from someone about this loan payment telling me that I have not paid the aim loan and I am months behind and he wanted a payment over the phone , I thought it was a scam because while on the phone I logged into my account and the account stated that the next payment due was days later, so the online web site stated that I was current on the paymentsStill now aim loan reported to the credit bureau that a did not pay my loan for months in but I have made extra payments this year , I did not miss a mortgage payment ever!!!!!!!!! I just want Aim loan TO CHANGE THE CREDIT REPORT , change the report that I was not late this year Regards, [redacted]

Please see attached.Dear Mr [redacted] :As a follow up to a previous complaint filed with the Revdex.com, AimLoan.com stands by our previous decisionWe will reimburse you for the additional $that we erroneously did not include for the reimbursement of the inspection and re-inspection feeIn regards to the remaining items you listed you wish to be reimbursed for, AimLoan does not feel we should have to reimburse you for these as these are items that you should be discussing with the seller of the property.It is unfortunate that we were not able to move forward with the loan due to the owner occupancy levels not meeting the requirements for the loan but this is no fault of AimLoan.comIn fact, in our opinion we feel as though we have gone the extra mile by reimbursing you for the appraisal and the inspection and reinspection fees.Sincerely, [redacted] VP of Loan Production

Dear Ms***:Thank you for the opportunity to respond to the concerns you submitted to the BetterBusiness Bureau (Revdex.com), which we received on August 23, 201'You stated that you hadobtained a payoff statement for your account in anticipation of paying your loan in full,and as the payoff was only worth about two of your monthly payments, you decided to remitthe payoff through your regular bill-pay systemYou also stated that your check was notprocessed in a timely manner before being returned to youand that you had to call ouroffice to obtain a statusAdditionally, you stated that you were required to pay your loanin fuby our standard procedureWe have reviewed your concerns and our response isindicated below.Our records indicate that your initial request for a payoff statement c•~as on July 25, 2017.A payoff statement was generated the following day showing a payoff amount of X299,612.72,which was faxed to you as requestedOn that same day, we received a principal curtailmentof $277,from you that was sent via wireAs this curtailment was received late in the.day, it was unable to be applied until July 27, 2017, but it was applied with an effectivedate of July 26, 2017.Our office did not hear from you again, until August 14, 2017, when youcalled to ask if wehad received a paymentOur representative confirmed that we had not received your paymentand also explained the full payoff process to youOn August 21, 2017, you called to obtainan updated payoff statement, which was generated and faxed to you as requestedThe payoffamount listed was $14,and on August 22, 2017, our office received the $15,000.00check from your bill pay service that was intended to pay your loan in full.As we cannot accept personal checks for payoff, your check was returned to you via certifiedmail with a letter dated August 22, and an updated payoff statementYour loan thenpaid in full on August 23, via vaire transferPlease note that all three payoffstatements generated very clearly indicated that your payoff funds would need to be receivedin the form of certified funds or wire transfer onlyYou were also advised of this over thephoneWe are not responsible for the amount of time it took for your check to be deliveredto us by USPS and when we dicl receive your personal check for payoff, it was returned in atimely mannerAs such, we will not refund any additional interest that may have been paidas a result of your funds not being remitted in the correct mannerWe apologize for anyinconvenience.We believe that this response fully addresses the concerns outlined in your Revdex.com complaint.The documentation we relied upon in reaching the conclusions outlined above is enclosed foryour referenceIf you have any questions concerning this response or need additionalassistance, please contact our Customer Service Department at 1-800-701-4397, Monday throughFriday, from 10:AM to 8:PM CST.Sincerely,

Dear Ms [redacted] : I am in receipt of your rebuttal filed through through the Revdex.com regarding your payment amount and credit reportIn your complaint, you expressed concern over payment information displayed on our websiteAs such, I have reviewed the information listed on our website, and it accurately reflects your current payment due date of October 1, and your correct payment amount of $1,Please be assured that your account history is also correctly reflected on our websiteIn regard to your payments, your complaint states that you have made payments in the amount of $1,in the year 2016, as well as a principal curtailment of $1,While this is a true statement and we acknowledge receipt of those payments, they were short of your full payment amount and multiple notices were sent to inform you of thisPer the escrow analysis completed on May 18, 2015, your payment amount changes from $1,to $1,060.36, effective with your July paymentHowever, you continued to remit payments in the amount of $1,Your payment changed again after your January 20, analysis, which was prompted by your negative escrow balance resulting from disbursements made for lender placed insurance and taxes, as was described in my previous letter, dated August 23, Your payment amount after the analysis became 41,918.66, effective with your March payment; however, you still continued to remit short payments of $1,After receiving evidence of insurance from you and reimbursing your escrow account for the lender placed premium, your annual escrow analysis took place, which lowered your payment to $1,173.91, effective with your July paymentThis is your current payment amountAdditionally, your complaint mentioned a payment amount of $made on August 22, that is not reflected on our websiteThis payment was received on August 24, and was initially applied to suspenseIt was then combined with the $1,that was already in suspense at that time and those funds were applied as your August payment in the amount of $1,173.91, a late fee in the amount of $30.52, and the remaining funds of were applied directly to your principal balanceThis application is reflected on our website and I am enclosing a payment history to illustrate this transactionplease note that the collection calls referenced in your letter, made on august 18, and august 24, 2016, were made prior to the application of these funds as your August paymentAs we are legally obligated to provide true and accurate payment information to the credit bureaus and your continually remitted short payments in the amounts of $1,despite receiving multiple notices advising you of the information I have detailed for you above, we will not correct the negative information reported to the credit bureaus at this timeIf you can provide documentation proving that full payments were received in a timely manner for the dates in question, we will be more than happy to further research the matterDocumentation substantiating your dispute can be sent to the following address or fax number: Attn: Research Department [redacted] Fax: [redacted] I apologize for any inconvenience this may causeThis documentation we relied upon in reaching the conclusions outlined above is enclosed for your reference While we believe that this response full addresses the concerns outlined in your correspondence, should you have any further questions, please contact our Customer Service Department at [redacted] Sincerely [redacted] Research Department

Dear Mr [redacted] : This is to confirm receipt of your recently complaint filed with the Revdex.comWe have researched the matter and we have agreed to reimburse you a sum of $The amount of $encompasses the appraisal ($495), inspection ($250) and re-inspection ($50)the remaining items are items that you should be able to obtain reimbursement from the seller of the home when providing to them the adverse action letter that AimLoan.com provided you reflecting the denial of your loan.In regards to your transaction, the loan was denied as the owner occupancy of the condo association was less than 50%This is a standard requirement for Conventional FinancingIn many instances, this information is known upfront by the real estate agent representing the seller of the property as it affects the marketability of the homeUnfortunately in this transaction, this information was not known until the receipt of the appraisalAimLoan.com did try to obtain this information from the Homeowner's Association but was told this information was unavailable until a representative from the HOA returned from vacationAttached please find a copy of the credit card reimbursement of the appraisal fee ($495) and a check in the amount of $for the reimbursement of the inspection and reinspection fee Feel free to reach out to me at [redacted] or via email, [redacted] should you have any further questions concerning this matterSincerely, [redacted] VP of Loan Production

Please see the attached.Dear Mr***:This letter is to confirm receipt of your recent complaint that you submitted to the Revdex.com.We have researched the matter and are currently working with the title company that performed the closing services on this transactionAs an accommodation, they have agreed to assist in having the title of the property placed back into the name of your trustIf they haven’t already, they will be soon reaching out to you to obtain further information from youAs Stated, this is an accommodation and is not a practice that is performed.I will follow up with my contact and we will be in touch to discuss the next stepsPlease feel free to contact me should you have any further questions or concernsI may be reached at [redacted] or [redacted] .Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear belowThe proposed offer would not resolve my complaint due to the following reasons: 1) The seller did not agree to pay for the deck repair ($650), because it was NOT part of the original contract signed by both partiesTherefore in order to obtain the loan, I (buyer) had to pay for deck repair from my own pocketThe seller on the other hand had paid for other repairs in the home (such as door, water heater etc.) as mentioned in the purchase contractTherefore the seller is NOT legally bound to paying for the deck repair and is also NOT willing to share the lossesThe loan denial decision made by Revdex.com happened after we repaired the deck and therefore it is your responsibility to bear the losses incurred by meI have already provided the receipt for the deck repair and I am attaching it again hereI am also attaching the past email communications between me and my realtor where we discussed that the seller will not pay for the deck repair as it was not a part of the original agreement 2) Because I could not buy the home, it resulted in the termination of the contract and I lost my earnest money ($500), which is entire due to your improper handling of my applicationTherefore I would like to be compensated for my earnest money losses as well3) The inspection and re-inspection charges were respectively $and $ 4) Appraisal fee of $I currently have a mortgage with you for my primary home and I really I look forward to receiving a better treatment of their customers by your company Regards, [redacted]

Please see the attachedDear [redacted] and Ms [redacted] : I am in receipt of the complaints that you have filed regarding the monthly collection for property taxes in your escrow account We have confirmed that the tax amounts that are reporting on parcel number [redacted] are valued at land only and do not include any improvements to the propertyAs such, an estimate was made at closing that your taxes would be due in the amount of $2,per installment once the full value was determined by [redacted] Countyper the assessor's office, the reassessment of your property will not be conducted until Deed of Trust has been recorded with the county, which may take approximately six to eight months.If we were to make any adjustments to your tax collection at this time, the amount being collected would reflect the land only value and would cause a shortage in the future once the property becomes fully assessedAdditionally, the documentation that you provided from the [redacted] County Assessor is an estimate and cannot be used in determining you actual tax valuesWe are unable to update our records at this timeOnce your tax value has been fully assessed, you may provide the updated installment projections to the following address, and we will be more than happy to make any necessary adjustments to your account: ATTN: Tax Department [redacted] Fax: [redacted] Our records show that your loan is currently due for the November paymentWhile we have received an amount of $700.00, the total amount due is $1,184.56, and we do not accept partial paymentsA letter was sent to you dated November 17, 2015, advising you of thisIn order to bring your loan current, please remit the remaining $to satisfy your November paymentIf you have any questions, please call me at [redacted] Sincerely, [redacted] Research Department

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I have now, after three weeks of total frustration, received the remainder of my moneyThere are glaring omissions in the response from the business: The demands made upon me to meet their self-determined procedures were completely unreasonableTo meet those demands would have taken many, many hours of work on my part and time away from paid work for all the contractors involved in the repairs to my houseWhile the company did tell me their processes I objected to almost all of their processes on every contactNone of these processes they follow were anything I had ever agreed to followThe staff I dealt with in IL was rude, unreasonable and provided inaccurate informationThe refund of my money was not, by any consideration, done in a"timely" mannerI had to be very aggressive to get them to release my money to meHad I not done so, they would still be holding on to the funds while I was left spinning my wheels trying to meet their unreasonable demands I am not satisfied with the performance of this business in refunding my money to me! Regards, [redacted]

DearMr [redacted] : The only attachment was the letter responding to the complaint There are no other attachments I have re-attached the response to the complaint In regards to a resolution, [redacted] , the Loan Officer with whom you were working provided you with the instructions needed to have your credit report updated assuming the items listed on the report were erroneous Here's a recap of those instructions: 1.) You will need to obtain a letter from the creditor for each dispute The letter must be on company letterhead and contain your name, address, a valid account number and a date In addition, the letter should state what correction has been made to the account(s) 2.) You must also prepare a letter in addition to the above stating that you wish to remove the appropriate accounts from dispute This letter should be signed and dated and should also contain your name, address, phone, and valid account number 3.) Upon receipt of all necessary letters, contact [redacted] 's Customer Support Department ( [redacted] ) and state what you would like [redacted] to do (remove disputes, update credit history)You should provide to [redacted] your contact information and ask [redacted] to contact you as soon as the updates have been made so we can re-run your credit report When contacting [redacted] 's Customer Service Department, you will be notified that this process can take up to days In most instances, this process takes generally 1-weeks We suggest you follow up with them regularly Upon your credit report being updated, we can then revisit the loan approval Until this is resolved we won't be able to proceed as the loan does not meet guidelines Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.Aimloan has been given the required documentation multiple times, but continues to ask for different documentation once that documentation has been receivedThey promise to respond and move forward, however they do not follow up with these promisesAn example, I was supposed to hear from them first thing this morning concerning one of the required documentsas to whether it was sufficient or notIt is now noon and I have heard nothing Regards, [redacted]

Please see the attachedDear Mr [redacted] : We have received your recent response to the above referenced complaint and AimLoan.com's initial responseAs previously indicated, the issue we are now experiencing pertains to your creditI am uncertain nor do I agree with what was communicated to you by the member of the local bank but AimLoan.com has previously and can again provide you proof to show that your credit score is lower than the required minimumOriginally your credit report was verified on July 14, at which point you met the minimum requirements relating to credit scoresPer program guidelines, credit reports are valid for daysWhen your credit report was verified on December 7th, after the title related issues were cleared up, your credit score dropped significantly due to a few negative impacting items which occurred in October and November of Upon discovery, a member of AimLoan.com then provided you with solutions for how to go about resolving the credit issue AimLoan.com can again provide this information to you as we can clearly show you a copy of both credit reports along with the negative reporting items Until such time as these items are addressed and your credit score improves above the minimum requirements, we will not be able to move forward as the loan is not approvedPlease feel free to reach out to me if you wish to receive the information that was previously provided to you or have any further questions relating to this complainSincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.Problem: I filed a complaint several weeks ago regarding Aim Loan failing to release funds from my insurance provider that covered a new roof on my houseAfter my complaint, I was told by a representative at Aim Loan that the balance of the funds had been released and a check had been mailed to my addressThat was weeks ago, and the check has still not arrivedAim Loan has held these funds for over months nowI have had to pay for my new roof out of my own pocket even though my insurance company has already paid for itThe "inspector" that Aim Loan sent to my house to ensure that the roofing job was completed took pictures of the roof and had me sign some paperwork that he said Aim Loan requiredOn the paperwork he requested I sign on a line that stated "mortgagor"I informed him that I was not the mortgagor, that I am the mortgageeHe said that was still where I was to signSo, I signedStill, AimLoan holds just over $10,that was paid to me by my insurance companyThe ongoing, and apparently deliberate delays are unacceptableDesired Outcome: Immediate release of remaining funds paid by Allstate Insurance for the roof replacement at [redacted] *** Regards, [redacted]

Please see the attachedJune 4, [redacted] RE: Loan Number: [redacted] Dear [redacted] and [redacted] I am in receipt of your complaint filed through the Revdex.com datedJune 1, 2015, regarding the handling of your change in insurance carriers.Let me begin by extending our most sincere apologies for any concern andinconvenience that this matter may have causedOn June 2, 201.5, we placed a stop payment on check number [redacted] in the amount of$2,that was disbursed to Renaissance Alliance dated May 27, 2015, as thispolicy has peen cancelled by youTile funds were deposited back into your escrowaccountAdditionally, on June 2, 2015, we disbursed $2,to [redacted] , per yourrequest, and check number [redacted] was delivered overnight to ensure this policy didnot cancelYour account has been updated to reflect policy number [redacted] with [redacted] Insurancefor future disbursementsWhile our Customer Service Department and our Escrow Department effectively collaborate on our borrowers' insurance requests, we are sorry to hear that thiswas not the case in your change of carriersWe have reviewed the situation withthe appropriate members of management and the vain work diligently to ensure thatthis does not occur again in the future If you have any questions, please call me at [redacted] Sincerely [redacted] Research Department

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] 1, and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved.after waiting for Aim Loan and getting no timely response, I handled the matter at my expense Regards, [redacted] ***

Dear Mr [redacted] :Thank you for the opportunity to respond to the correspondence you submitted to the Revdex.com (Revdex.com), which we received on September 26, You state that when you closed on your home, the property was listed as a single family home instead of a townhouseYou state your homeowner's insurance has been rejected due to thisYou state you have been threatened with additional insurance being purchased by us on your behalfYou request compensation or the issue to be correctedWe have reviewed your concerns and our response is indicated below.First, we woulid like to sincerely apologize for the oversight of how the property was listedPer the appraisal, which was completed prior to closing on the property, the home was listed as a Planned Unit Development (PUD), Single family dwelling instead of a townhomeWhen there is a PUD property, we need to track to ensure the property is properly insuredThis is why you had received the enclosed letters.On September 25, 2017, after further review, your account was updated to reflect the property as a townhouseAs such, your account will no longer be tracked for homeowner's insuranceAs we need to go off of the information provided at closing, this information could not be easily changedOur Senior Management needed to get involved in order to make this changeOur Customer Service Department was relaying information based on your closing documentsAgain, we sincerely apologize for the time you spent trying to resolve this matter.We believe that this response fully addresses the concerns outlined in your correspondenceIf you have any further questions concerning this response or need additional assistance, please contact our Customer Service Department at 1-800-701-Monday through Friday, 8:A.M to 6:P.MPSTThe documentation we relied upon in reaching the conclusions outlined above is enclosed for your reference.Sincerely

This is to confirm receipt of your recent complaint you filed with the Better BusinessBureau.After reviewing the comments from your loan, it was discovered that there were variousdelays obtaining documentation during the processThe main delay was the result ofneeding documentation to verify expenses were paid by your businessWithout thisverification we could not qualify you for the loan, despite using self-employment, secondjob, and rental income on your applicationWe had statements for the debts we needed toexclude, but we did not have sufficient proof that these debts were reported as expensesby the businessIt was not clear in your business return, so we needed a CPA letter toconfirm where these expenses were reportedSince you did not authorize us to obtain aCPA letter to confirm this information, we could not exclude these debts and your debtto-income ratio was too high for loan approval.We followed up with you multiple times to try to resolve this matter so we could approvethe loan, but unfortunately you did not agree to assist with the remaining documentsWedid, however, agree to refund your appraisal fee before we closed out your application.If you wish to discuss this matter further, please feel free to reach me at [redacted] .Sincerely [redacted] VP of Loan Production

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have now, after three weeks of total frustration, received the remainder of my moneyThere are glaring omissions in the response from the business:The demands made upon me to meet their self-determined procedures were completely unreasonableTo meet those demands would have taken many, many hours of work on my part and time away from paid work for all the contractors involved in the repairs to my houseWhile the company did tell me their processes I objected to almost all of their processes on every contactNone of these processes they follow were anything I had ever agreed to followThe staff I dealt with in IL was rude, unreasonable and provided inaccurate informationThe refund of my money was not, by any consideration, done in a"timely" mannerI had to be very aggressive to get them to release my money to meHad I not done so, they would still be holding on to the funds while I was left spinning my wheels trying to meet their unreasonable demandsI am not satisfied with the performance of this business in refunding my money to me! Regards, [redacted]

December 3, [redacted] RE: Loan Number: [redacted] Dear Mr [redacted] : I am in receipt of your complaint filed through the Revdex.comregarding-the funds for your loss draft claim number [redacted] that you feel arebeing withheld from you.Please be assured that every action to provide you with your funds in a timelymanner was takenYou were notified of our procedures for loss draft claims both inwriting and on the phone on several occasionsAn initial package with thesedetails was sent to you dated August 18, Per our procedures, for claims with a Replacement Cost Value greater than$5,000.00, funds are disbursed in three equal installmentsThe initial claim checkin the amount of $5,was received on September 4, and placed in arestricted escrow account on September 5, The first installment of $1,was sent to you on September 9, Inaccordance with our procedure, in order to have your second installment disbursed,we require an inspection be completed showing the repairs at 50% completionThiswas outlined in the letter that accompanied your check; however, this inspectionwas not requested by you until November 4, This request was submitted to ourinspection vendor and an inspection was scheduled with you for November 12, 2014.Our office received the results of the inspection on November 14, 2014, showing therepairs were completeAs such, vae immediately disbursed the secondinstallment in the amount of $1,This check was mailed to you on Monday,November 17, As is our procedure, our office contacted you by phone on November 17, 2014, toinform you that in order to release the final installment, we require a notarizedlien vaaiverThis document provides us with confirmation that there are noadditional contracts for said work outstanding and that there is nothing due or Lobecome due to any person f..or the cost of material, labor, or any kind done or to bedone upon or in connection with said workIn the event there are severalcontractors associated with your claim, a notarized Letter of Satisfaction wouldsuffice, rather than multiple Lien WaiversThis information was explained in theinitial package sent to you as wellAs a courtesy, we opted to send the final installment of $1,to you withoutthe lien waiverThis check was sent to you overnight on November 18, Our records show that as of November 24, 2014, the check for the second installmenthad not yet been received by youAfter speaking with you, it was decided that astop payment on this check would be placed and the check would be reissuedThereplacement check was sent overnight on November 25, I sincerely apologize for any misunderstanding that may have occurred and for anyconcern and frustration that this matter may have causedIf you have any questions, please call me at 1-847-550-Sincerely, [redacted] ***Research Department

September 30, [redacted] RE: Revdex.com Complaint # [redacted] Dear Ms**: This letter is in regards to a recent complaint you filed with the Revdex.comI have had a chance to review your complaint along with our internal notes and as you requested, we have agreed to reimburse you for the cost of the second appraisal In reviewing our notes, our associates recommended an alternative loan program that we thought you would qualify for but overlooked the fact that your home was a condo and not a four unit property as you had indicated on your loan applicationWhen researching further, we found the Condominium complex to not have VA approval, thus we were unable to move forward with a VA loan None the less, AimLoan.com agrees that we should have caught this prior to ordering another appraisal Attached please find a copy of a credit card receipt which shows a credit to your credit card for the cost of the second appraisal In the future we ask that you and others reading this response please contact us to further discuss the issue prior to submitting a complaint with the Revdex.com as we agree that this was an oversight on our part Please feel free to reach out to me at (619) 814-should you have any further questions or concerns surrounding this complaint Sincerely, [redacted] VP of Loan Production