AimLoan.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
no, that was not me that you spoke too, if you check my reports, it will show I have had freezes on my credit report for fraud in the past, the credit bureau said to contact your company, these inquires need to be removed asap
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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.Aimloan has resolved it to my satisfaction and I would like to withdraw it
Regards,
*** ***

Aimloan.com was a pleasure to work with for my latest refinanceThe customer service was great and the entire team I worked with was very helpful with any questions or concerns I had through out the processThank you ***, ***, and *** for making everything go so smooth and easy!!! Would highly recommend Aimloan to anyone looking to refinance!

Please see the attachedApril 2, *** * *** *** ***
*** ** ***
Re: Loan Number: ***Revdex.com Case No: ***
Dear *** * ***:
This letter will confirm our response to your complaint filed with the RevDex.com.We received your January mortgagepayment in the amount of $1, on March 17, 2015.Confirmation of remittance of payment was received from your bank on March 19, 2015, however,the payment received was insufficient to reinstate the loan pursuant to the Notice of Accelerationpreviously sent to you on March 11, 2015, and was thus rejected and refunded back to your bill payservicer on March 24, Please be advised that it may take up to business days to identify therejected payment, return the funds to your bill payment service and, finally, for the bill paymentservice to credit your bank accountWe are not responsible for your banking institution's postingtimeframesPlease be advised that your March 20, payment of $2,was received and applied to themonths of January and February, respectivelyYour mortgage payments for the months of Marchand April are currently dueif you would like to obtain updated amounts, submit a payment, or ifyou have any questions, please contact:AimLoan.com
* *** *** *** ***
*** *** *** ***
***
We will make every effort to provide you with the outstanding service you expect and deserve asour valued customerIf you have any questions regarding this specific inquiry, please call medirectly at ***,
Sincerely,*** ***Research Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I received the message that the business (Aim Loan) had responded and I was to look at the attached document However, I am not able to find any attachment When I open the message from Revdex.com there doesn't seem to be any attachment from the business So, I am not actually rejecting their response, I would need to see their response
Regards,
*** ***

October 7,
*** **
*** *** ***
*** ** ***
RE: Revdex.com Complaint #***
Dear Ms**:
I'm writing this letter in response to your reply to the Revdex.com
I failed to state in my original response that the Appraisal Credit typically takes the credit
card companies roughly 5-business days to process
Attached is a copy of the receipt indicating that two credits were requestedOne credit is
in the amount of $and another in the amount of $This is to offset the charges
that were previously collected when we obtained your appraisal depositThe receipt is
dated October 2nd at 10:a.mPST, thus your credit card provider should reflect these
reversals sometime no later than October 13th
If you do not see these credits by this time, please reach out to me at ( 619) 814-or
[email protected] so that we can further investigate to see what occurred
Sincerely,
Ted Iturriria
VP of Loan Production

Please see the attached.Dear Mr***This is to confirm receipt of a recent complaint you filed with the Revdex.comwe have reviewed your complaint and welcome the opportunity to respond.In reviewing the sequence of events that occurred, the delays surrounding the closing of your loan
were of no fault of AimLoanThe delays that occurred resulted from AimLoan being unable to receive a title report from the title company you selectedYou entered into an agreement to purchase a home in early August and it wasn't until November 20th that AimLoan received the title reportYou and your real estate agent were made aware of the challenges obtaining the title work numerous times from the beginning of the processIt wasn't until mid-September that the title company requested a commitment letter to release the title workIt seemed we were going to receive the report shortly thereafter, but even after the commitment letter was provided to them they did not release the title workYou and your agent were kept in the loop and asked to assist in expediting the request since we were exhausting our attempts to follvia phone and emailThroughout October we communicated to you we had not received the title work and asked you and your agent to continue to assistIn November we were informed the title company was waiting on items from the seller to release the title workBy the time we released the title work, your credit documentation had already expired requiring the processor to request updated documentsAs a result, your credit report had to be rerunUnfortunately, your credit score had dropped significantly and was now below the minimum required score.In response to this latest challenge, you were presented with optionsWe recommended you reach out to the credit bureaus to clear up any erroneous information that was affecting your score and your loan officer provided details on how to expedite that process.Unfortunately, at this point AimLoan is at a standstill until your credit score has improved above the minimum requirementif you wish to further discuss this complaint, feel free to contact me directly at *** *** or ***.Sincerely,*** *** ** *** ***

Please see the attached.This is to confirm receipt of your recent complaint filed with the Revdex.comI have had a chance to look into your complaint and Aimloan.com will extend your previously locked rate lock at the same terms as previously agreed.Keep in mind that most of the delays
incurred were on your end as it took over three weeks to receive your supporting documentation along with signatures on various documents.A new rate lock confirmation and updated disclosures will be processed tomorrowWe will continue to move forward obtaining loan approval and meeting the conditions of the loan.Please feel to reach out to me via email, *** or phone, *** *** should you have any questions or concerns surrounding this complaint our your loan application

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowI used the aim loan web site each month and paid the requested amount every monthwhen someone called from aim loan and 1st they asked me for my social security then told me was late on my payment and demanded a payment over the phone I thought it was a scam, I logged onto the aim web site and could see that I was payments aheadthe person on the phone told me that the web site is wrong and demanded a payment over the phone , I said no again I need to know where can I file to hear this case in person in front of a judge, so I can show someone in person all of the payments and aim web site screen shot
Regards,
*** ***

Please see the attachedDear Mr***:
This letter is to confirm receipt of your recent complaint that you submitted to the Revdex.comWe 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 *** *** or ***Sincerely,*** *** ** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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.I think the public should be aware of this issueIt took nearly months to get this addressed by someone who could resolve the issueI wasted hours trying to get a hold of someone and only when a complaint was filed did they follow up and take me seriouslyAIM Loan does not value my time and I pay too much not to be taken seriously.
Regards,
*** ***

Dear Mr*** :Thank you for the opportunity to respond to the rebuttal you submitted to the Revdex.com (Revdex.com) that we received on September 25, You stated that our office only discussed your late fee issue, but did not address your negative credit reportYou also stated that our website is the reason for your payment being returned and requested a credit CorrectionAdditionally, you stated that you confirmed your account information with a representative over the phone on August 30, and that they should have had the ability to advise you of the payment being accepted during that callWe have reviewed your concerns and our response is indicated below.While our previous letter did discuss your late fee issue in depth, we did also discuss that a credit correction cannot be completedAs yola input the account information used for your payments directly through our website, you are responsible for typing the full and correct account information, which means that you are responsible for the payment being returnedAll successful uses of your account ending in *** occurred when you typed your full account number including the leading digits that were missing in your most recent attempts.Please note that we reviewed your recent calls with our office and determined that you did not speak with a representative via phone on August 30, You did discuss your payment issue with a representative through online chat and requested that they complete your payment; however, our online chat personnel do not have the ability to process payments through chatYou were advised of this during your chat and decided to remit your August payment through our website for a third time on that dayAdditionally, our representative confirmed the submission of your payment, but they did not confirm that the payment would be successful as they do not have the ability to advise whether or not a payment will be returned prior to the payment being processedWe apologize for any concern this issue has caused.We believe that this response fully addresses the concerns outlined in your Revdex.com complaintThe documentation we relied upon in reaching the conclusions outlined above is enclosed for your referenceIf you have any further questions concerning this response or require additional assistance, please contact our Cui stomer Service Department at 1-800-701-4397, Monday through Friday, from 10:AM to 8:PM CST.Sincerely,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
In *** County, taxes are billed as assessed by the County AssessorWhat AimLoan.com says in the letter makes no sense and is contradicted by the actual factsI talked with and provided AimLoan.com with an official estimate from the Assessor herself, who understands the situation of the vacant land vsresidential property perfectly (vacant land is taxed at a much higher rate)AimLoan.com provided the mortgage on the value of the residential property but is using vacant land as a basis for their tax estimate (which cannot be coming from *** County because I already provided the correct one from the Assessor)In common speak: "They are talking out of both sides of their mouth at the same time." They know that the estimate I provided is correct and are not being truthful about the circumstancesWhen the actual tax bill comes in, they will have collected in excess of $3,over the required amount but are refusing to make the correction that needs to be madeThey are actingIn our opinion, for them to collect $3,under pretenses is tantamount to robbery! It may be legal for them to do this, but is very unethical and unprofessional, and the Revdex.com should not let them get away with it so easily
Regards,
*** ***

Dear Ms***:I am in receipt of your rebuttal filed through through the Revdex.com regarding your payment amount and credit report.In 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 website.In 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 this.Per 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 amount.Additionally, 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 payment.As 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* *** *** *** *** *** ** ***Fax: ***I apologize for any inconvenience this may cause.This 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 ***.Sincerely*** ***Research Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I ran my credit report on Thursday via my local bankWhat we found is that Aimloan's first credit inquiry, prior to giving a pre-approval, was after any factors that would have affected my credit score and, therefore, they had current credit score information identical to that of my current credit score at the time they gave their pre-approval. The staff member at my local bank advised me that my credit history shows that my credit score did not change prior to or after the inquiry from Aimloan back when I originated my loan application months ago and received a pre-approval. The staff member at my local bank, who has been a loan officer on mortgages for many years, advised me that they do not see evidence that Aimloan intended to underwrite the loan and then had any sudden surprises, but that my information has not significantly changed since before Aimloan's inquiryFurthermore, she also assured me that, had I applied for a mortgage through her bank, nothing that has appeared on my credit history since the date I received my pre-approval letter from Aimloan would have affected my application with her bank or underwriting.Considering this information, the fact that Aimloan's underwriter is in-house, and the fact that I already have a mortgage with Aimloan and have consistently made payments on time, I do not feel that this is an acceptable proposed action, because Aimloan should have expressed their intentions accurately much sooner than several months of waiting when they appear to have had no new information. Furthermore, several weeks of additional waiting is not acceptable to the seller and will result in termination of the sale, and possible legal complications as well
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The document to update our address (even if you already had our correct address in your records) was submitted via fax on February 12, at 10:25; I still have the receipt that confirms that the fax was received by your officeWhen I called weeks later, on February 26th I discovered that you lost the fax; I had to resubmit the document again by scanning it and this time I waited on the phone till I got the confirmation that finally your system was updated; since then, I called and emailed you several times to follow up on our year-end statements, documents that were sent to a wrong address in 2015, and our escrow refund check of $and still now, and 1/months later, nothing has been receivedYou mentioned that a check was mailed on March 17th, but when I called 2+ weeks ago (today is April 7th), the operator didn't mentioned about the check being mailedLike in previous calls, I had to stay on the phone for minutes to explain everything all over again and at the end no action was takenResult is that still today nothing has been received, except for a generic letter saying that you "received our inquiry regarding the above-referenced mortgage loan and have referred our inquiry to the appropriate area for review"Those are the only letter we got from your office, but still no statements or our escrow refund check (that was supposed to be received months ago).I appreciate you provided a phone number to call but I'm afraid that it will end up again in a long phone call with no action taken.
Regards,
*** ***

I am very pleased with the service they provided to us ..Initially even though we had difficulties with the time differences in our zones ( PST & EST), but later it worked out very well during closing
Even though it was not their mistake They have extended the locking period with no costI would certainly recommend AIMLOAN for mortgages

November 21,
*** ***
*** *** ***
*** ** ***
RE: Revdex.com Complaint #***
Dear Mr***:
This letter is to confirm receipt of your complaint that you sent to the RevDex.comI have had a chance to look into your loan and see that we have run into
several
obstacles in trying to close your transaction
Specifically, there have been many delays surrounding the receipt of your supporting
documentationIn reviewing the sequence of events that took place, there were several
instances were documents had been requested from you but not receivedMost items that
were received were sent in "piece mail."
Additional delays that have occurred surround the receipt of the appraisal (this could not
be ordered without receipt of your signed documents), the receipt of the title report (the
name of the company and their contact information you and the seller were using wasn't
even disclosed to us until November 3rd) and repairs that are needed on the home in order
to satisfy VA Loan requirements
In addition to these delays, you recently requested that a new title company be used from
the one that you and the seller had chosenThis will further delay the closing as the title
insurance company will need to provide us with their title insurance report
At this point we are just now ready to submit your loan to underwriting for review and
approvalWe will do our very best to expedite the underwriting process but given the
amount of delays that occurred in receiving the various items needed to process the
transactionContrary to your complaint, the delays incurred were not a reflection of our
company
If at this point you rather not move forward with the transaction with AimLoan.com then
we can authorize a reimbursement of your appraisal feeWe will continue to move
forward with the processing of your transaction but request that you cooperate and
provide us with any items requested in a timely manner
Sincerely,
*** ***
VP of Loan Production

It wasn’t until we received the appraisal on 10/09/that we discovered the cost to rebuild was higher than the amount of insurance coverage provided. We reached out to the insurance company and requested a replacement cost estimate to avoid having the insurance increasedHowever, the amount the insurance agent estimated was even higher than what the appraiser estimatedThe rate lock was extended at no additional cost while the borrower shopped around for policies, but ultimately decided not to move forwardThe appraisal was not refunded as we could not have known about the insurance issue without the report

Please see the attached.August 19, 2015*** *** *** *** *** *** ** ***RE: Loan Number: *** Case Number:
*** Dear Mr*** and Ms***: I am in receipt of your complaint filed through the RevDex.com dated August 11, 2015, regarding your loss draft claim number ***.Our records indicate that you contacted our Customer
Service Department on April 27, 2015, to inquire on your loss draft check for
roof damageOur representative verbally provided you with our procedures for
claims with a Replacement Cost Value (RCV) greater than $10,000.00.The loss draft check was not received by our office
until June 5, Check number *** for the amount of $12,was
deposited into a restricted escrow account on June 10, Your first
installment of $4,was disbursement on June 15, 2015, and sent to you
electronically, per your requestTwo letters were mailed to you, one confirming
the installment was sent to you electronically, and the other to notify you
that we still needed the full Insurance Adjustor’s Report.On June 29, 2015, we received another claim check
Check number *** in the amount of $2,was deposited to your
restricted escrow account on July 6, 2015.A letter was sent to you dated July 1, 2015, to
advise you that in order to bring the claim to a close, we would need an
inspection completed showing that all of the work had been completedThe
letter advised you to contact our office at any time to initiate the scheduling
of the inspection.On July 9, 2015, we sent a second notice, requesting
the full Insurance Adjustor’s Report.The inspection request was placed on July 20, 2015,
and the full Insurance Adjustor’s Report was received on July 21, Our
inspector vendor advised our office that they scheduled an appointment with you
for July 28, at pm and your second installment was disbursed in the
amount of 3,561.38.We received the results of your inspection on August
3, which reflected the repairs were 100% completedYour final installment
was disbursed from your restricted escrow account on August 13, 2015, in the
amount of $7,and sent electronicallyPlease accept our apologies for the concern and
inconvenience this matter may have caused youWe will work diligently to
ensure that you receive the level of service that you both expect and deserve
in the future.If you have any questions, please call me at ***Sincerely,*** ***Research Department