American Mortgage & Equity Consultants, Inc.

Regarding the below complaint, I did reply however, I have changed my mind regarding the reply. We have decided to return the $cancellation fee in an effort to bring this matter to a successful conclusion How do I contact Revdex.com to add that to my reply. Chrys

A response has been sent to the consumer regarding the complaintThe items attached were also sent to provide resolution to the un-intended re-pull of her credit. Regards, Ann ***Compliance Manager American Mortgage & Equity Consultants, Inc

Hi Eric,we are really sorry about it,we fix the issue and you should no longer receive any marketing and promotion emails from adam4adam.Thank you Team Adam4Adam

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. Thank you Ann for fixing this for me and ending an unduly frustrating process

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
Eric Davidson

While AMEC stands by our efforts to resolve the unsaleable loan issue, we will be making efforts to settle the matter independently with our client.  The terms of the original agreement between AMEC and the client via Mortgage Note & Deed dated 8/30/17 remain in effect today.  We hope to have resolution in the coming week of February 5th.

I was going to...

just
accept the $75 refund as a fair gesture, and overlook the $83 management fee,
but when my character was attacked and absolutely no proof of the claims was
provided, it's blatantly obvious they have no leg to stand on.  I will
require the remaining $83 paid back to me to satisfy this claim.
Typically when people
make the claim that the following is factual, they provide at least some shred
of evidence to support them.  Here are the
actual facts, with evidence to support:
#1:
As far as the rent
rate goes, I told Kim on the phone the correct rate, but of course there's no
proof of that, so they can claim whatever they want.  But since AMS is a
"professional" company, you'd think something as simple as verifying
the correct rent rate with the owner would be standard practice. Apparently, since
it’s always my fault, they just accept whatever rent the tenant decides to pay,
and if the owner doesn't notice the discrepancy IMMEDIATELY, then they're free
and clear.  Good to know AMS are "ethical".
Emails from May 15th
show I asked about my rent payment.  This was because I was shocked at how
low it was.  I tried to view the payment breakdown, but was not given access
to the portal until May 19th. On that same day I said the rent should have been
$100 extra = $1325.  Kim of course passed the blame:
From: [redacted] Sent: Thursday, May 19, 2016 3:47 PMTo: Kim F[redacted] <[redacted]>Subject: Re: SPRING AC TUNE UPThanks, that worked!I just looked at the statement for May, and the rent should have been $1395 since that is the month-to-month rate ($100 extra).  I'm sure [redacted] and the tenant "forgot" to mention that.Thanks!
On Thu, May 19, 2016 at 6:50 PM, Kim F[redacted]<[redacted]> wrote:
That was not conveyed to
us and there was nothing signed by the tenant stating that was the rate. I
don’t think we can go back and enforce.
 
Best Regards,
Kim F[redacted]
 
#2:
I told Kim over the
phone that there were 5 pets.  Again, there
is no proof of this conversation, but the lease CLEARLY stated that she had 5 pets;
AMS obviously didn't read it (Section 17, page 7 of the signed lease.  I can provide this if AMS refuses to do so). 
Even when I lived in apartments with no pets, my landlords still checked for
pet urine stains with a black light upon move out.  This is done precisely
because it can be masked by carpet cleaning temporarily.  This is pure laziness on Ashford's behalf.  Saying a 3rd party is required to
use a $5 black light for 10 seconds proves this.
I never approved AMS
to replace the carpet.  They would never
act unless I had money in escrow anyway. I did say I would replace it initially,
but after speaking with a professional carpet cleaner, they said replacement
was not necessary.  Only a deep cleaning
would be required.  Since AMS is not a
professional carpet cleaning company, I decided to take the advice of the real
professionals; I did not renege. Also, I
merely suggested keeping the A/C on to keep the smell down while I fixed the
situation so the property could continue to be shown without turning tenants
away, not as some plot to deceive tenants as AMS is suggesting.
Lastly, AMS did not
suggest amending the move out charges, I did!  When I asked about charging this back to the
tenant after the deposit had been returned, Kim said she would ask her broker,
but never got back to me. Once again AMS is “changing history” on the phone
conversations since they weren’t recorded. 
All email correspondence shows otherwise when available.
 
#3
If
this alone doesn’t prove AMS’s dishonesty, I don’t know what will.
To
say that I was told multiple times about the color of bathroom vanity, kitchen
cabinets, and lack of closet doors being a deterrent is just an outright lie.  Not only did I have to ask AMS why the
property wasn’t rented after 22 days, let alone figure out why it didn’t have
any applicants, Kim finally decides to bring up the bathroom paint color just one time:
 
From: [redacted]
Sent: Wednesday, June 22, 2016 6:56 PM
To: Kim F[redacted] <[redacted]>
Subject: Re:
OK thanks for the
update.  Let me know if I can help.  I didn't expect it to take this
long to find a tenant.  Is there anything we can do to boost the turnout?
On
Wednesday, June 22, 2016, Kim F[redacted] <[redacted]> wrote:I’m not sure. The only
real feedback I’ve gotten is people don’t like the pink bathroom vanity and
they want closet doors (but only one person has mentioned that) and 3 people
wanted more of a “usable” backyard. The calls/emails themselves have been a bit
slow. I don’t know if the extreme heat has something to do with it. A lot of my
listings have been really really slow the last 2 weeks. It has been 116-120 for
about 5 days
We could either drop it a
little to like $1375 or offer half off first mo rent move in special if they
move in by july 5th
Best Regards,
Kim F[redacted]
 
I
also was told by Kim that the property itself and back yard were too small for
some tenants needs. Am I expected to build an addition to the property to please
these tenants?  The excuses from Kim are
never ending.  I am not willing to make
changes to the property based on nit-picky comments from prospective tenants.  If I catered to every whim of a tenant, I’d
be broke.  A “professional” management
company should know this; a novice landlord (myself) should not have to worry
about those things.
I
told Kim that my primary goal was to rent the property as quickly as
possible.  She never adjusted the rent rate;
I had to tell her to do it.  If the rent
was too high for the condition of the property, she should have said so.  To suggest that I fix these minor details is
a waste of my time and money.  She should
have instead suggested lowering the rent accordingly.
From: [redacted]
Date: 5/27/2016 7:06 AM
(GMT-07:00)
To: Kim F[redacted] <[redacted]>
Subject: Re:
Kim,
Sounds good. I'd like to
be in the $1400 to $1450 range for rent so let me know if that sounds
reasonable. The priority for me is quick tenant placement with a great tenant
over demanding top dollar per month and sitting vacant so I am flexible on rent
rates.
Thanks,
[redacted]
 
 So what did she do?  List the property at
$1495!  Good to know Ashford gets to pick the rate, and keep it there
until I tell them otherwise!  And then complain that I'm bossing them
around or something when I tell them to set the rent lower.
I posted the ad on
[redacted] to spur interest since AMS plastered their company logo on all the
photos of the listing!  I requested they be removed, but they couldn't
handle that for some reason.  Insert whatever excuse you can come up with
here.
Also, the ONE person
that applied was actually a gentleman that I referred to AMS through my
[redacted] listing! I was not informed of his application at all, let alone “immediately”.  I did not tell them to cancel; Kim said she
would cancel it once I told her AMS was fired. 
Lie after lie; this is getting tedious. 
More detail on that in #5 below.
 
#4 the door:
This is the reason I
fired AMS on the spot. The incompetence here is unparalleled. This insanity
stems from Kim's inability to close a simple door.  There was no attempt
by AMS to call me.  I was out of work,
and had no reason not to answer a phone call at that time.  Immediately after I saw the email, I called
Kim, with no answer on her part.  Even
though they claimed they felt it was “urgent” they waited until they were all
the way back at their office to return my call with an email.  I emailed back and asked them to send someone
out to close the door, (because the door was definitely not broken, it just
needed to be closed properly) but Kim said it was too late, and no one was
available.
 
From: [redacted]
Sent: Wednesday, July 6, 2016 5:41 PM
To: kimf[redacted]1 <[redacted]>
Subject: Re: status
 
There is a lever in the
middle of the Left door that moves up and down.  I forget what it does,
but that might be the problem.  The Left door might be "locked" open,
meaning the handle was lifted up while the door was open, and therefore can not
be closed since the bolts are up already.  Try pushing the Left door
handle down to "unlock" then close it, then lift up to lock it into
place.   
 
Have someone call me when
they go over there.  I don't want this door hanging open all night like it
is in the picture.
 
On Wed, Jul 6, 2016 at 8:43 PM, Kim F[redacted]<[redacted]> wrote:
Ok I will go check it. We
cannot get someone out tonight. Everyone is closed for the day. I secured it so
no one can get it open.
 
Best Regards,
Kim F[redacted]
Ashford Management
Services
[redacted]
[redacted] fax
[redacted]
 
I absolutely did
reject a "3rd party door specialist" to be "dispatched"
because the DOOR WAS NOT BROKEN.  Kim, ever insistent that nothing is her
fault, kept trying to convince me that a storm or some other force had blown
the door in and broken it, and that it needed repair.  There was literally
nothing wrong with the door except the person trying to close it.  I
replied at 7PM (10PM my time) to have someone go out there to turn the A/C off
at least so it didn’t burn up the compressor with the door being open.  Kim completely ignored it so I was forced to
send a competent person over to close the door.
 
If the doors were “not
as secure as they could be” then you should have remained at the premises until
you figured out how to close the door.  Don’t
act like you are totally innocent, and it’s my fault for not answering the
phone.  It’s your fault for not being
able to close a door.
  
#5
Wow, get ready for
this one, it is pure gold! AMS did not secure a tenant, MY [redacted] AD DID!
The gentleman's name was Glenn T. (last name hidden to protect the
innocent). The date that Glenn first emailed me was July 2nd, 2016.  Here is the email. As you can see, I immediately
forwarded him to AMS:.
 
On Sat, Jul 2, 2016 at
2:11
Thank you for your
interest! Please call the property manager Kim at [redacted] to schedule a viewing or to apply. If you have any
questions let me know.  Thanks!
 
On Jul 2, 2016 1:23 PM,
"[redacted] wrote:
PM, Glenn T[redacted] <9e6882a87b54379f8865d1dea940bb53@reply.[redacted].o...⇄ /> Hi, I'm very interested in
your property for rent. Please call me as soon as possible. 
Glenn T. - 480-340-xxxx
If AMS has evidence to
show that someone else applied and was “approved” then feel free to send it to
me.  Mr. T.’s application was not sent to
me because I fired AMS on the spot regarding the door locking issue. 
 
So every claim in
their number 5 response is totally fraudulent. I did not even know he had
applied, how could I have approved him?
OK I will admit fault
on one item: I was told the "check was in the mail" for the $75.05,
so I didn't check my bank account before filing the complaint. Sorry!  Kim never responded to my emails inquiring
about the status of my refund.  A simple "it's been directly
deposited" would have sufficed.
Lastly, I have no idea
what your claim of mischief is by my submitting on the last day of the month; I
didn't even know what day it was. What does that even mean: Derail processes
and collections? Maybe it could have been that I finally found time out of my
schedule on a Sunday night to file the complaint?  The fact that you would
even think the timing of my complaint was part of some master plan speaks
volumes of your "honesty and character".  
I feel that based on
my disproving every single one of your "facts" your whole victim
mentality is totally unfounded.  
 In closing, I hope the
Revdex.com stands for the consumer, and doesn't fall for the petty attempts to gain
sympathy by being reminded of AMS's "women-owned" status.  
 [redacted]

Revdex.com Complaint [redacted] [redacted] – Consumer applied and was approved for a refinance of an investment property.  This customer is a valued repeat customer who has financed 6 properties with AMEC over a 3-year period.  The complaint is accurate in that AMEC did make a mistake in the...

Underwriting of the loan which was discovered when the loan was sent to the end investor for purchase.  At that time, AMEC decided to hold and refinance the borrower’s loan file at a lower loan-to-value to meet agency guidelines, and a lower rate.  Those terms were discussed with the consumer who then made a new application.  The consumer had entered into another purchase contract for a large parcel of land that AMEC was unaware of at the time of discussion on the new refinance.  Unfortunately, the new payment on the parcel of land (which was being financed through a local bank), pushed the customers debt-to-income ratio out of acceptable tolerance for any investor. AMEC did everything possible to turn the original error into a more favorable scenario for our client. Unfortunately, due to the large land purchase, we were unable to do anything better than the terms of the original refinance.  AMEC was forced to sell the clients original loan to an investor who will service loans that don’t meet agency guidelines, and took a tremendous loss in doing so.  We certainly had hoped to be able to get to closing on the 2nd refinance.

I am rejecting this response because: this is incorrect. This was not a refinance, this was the purchase of a new property. What are you state in your response is incorrect. There was no communication and I did not even know I was doing a new application. I was under the impression that you were making the choice to make this right because of all of the additional paperwork and hours I need to spend preparing materials for you. This was not presented as a suggestion or a possibility, but I have something that was already done. The principal reduction in interest rate reduction that I was promised need to be applied Or I will have no choice but to pursue this further.  In your response you acknowledge all of the business and revenue that I have brought to your company. This is absolutely no way to treat a very loyal customer.