Brugger Chiropractic

Dear Mr [redacted] and Ms [redacted] , This is in response to the complaint (ID [redacted] ) that you filed with the Revdex.com (“Revdex.com”) on May 27, Summit Funding, Inc(“Summit”) has treated your concerns with the upmost importance by conducting a thorough investigation regarding your claims While investigating your complaint, Summit’s Compliance Department discovered that you were not charged an appraisal fee Accordingly, it is Summit’s understanding that an appraisal was not ordered in relation to your loan application As such, Summit will not consider reimbursement of this cost at this time If you would like to provide a copy of your appraisal along with proof of payment of the appraisal invoice, please do so by using the email address or fax number provided belowThank youBest regards, [redacted] Summit Funding, Inc.Compliance Analyst IISacramento, CAHours: 8:a.mto 4:p.m(Mon– Fri.)Phone & Fax #: [redacted] E-mail* [redacted]

Revdex.com:I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me

Dear Revdex.com NorCal, This afternoon, our response was sent to the Consumer Protection Division At this time, we are watching for their response to us, as to whether they find our solution for Mr*** fair and reasonable Thank youBest regards, [redacted] Compliance Analyst II D [redacted] E [redacted]

Dear Ms [redacted] ,I am writing in response to the complaint (ID [redacted] ) (“Complaint”) that you filed with the Revdex.com (“Revdex.com”) on November 15, Summit Funding, Inc(“Summit”) has treated your concerns with the utmost importance by conducting a thorough investigation regarding your Complaint Summit’s investigation did not reveal any wrongdoing on Summit’s behalf However, it is my understanding that you were fully reimbursed by the branch for the $appraisal fee Regarding the credit inquiries, all credit inquiries by Summit were authorized We hope that you are satisfied with the appraisal fee refund and that Summit will have the opportunity in the future to serve your lending needs Sincerely,Best regards, [redacted]

Dear Revdex.com NorCal, We will send the requested documents directly to Ms [redacted] on 1/25/ Thank you Best regards, [redacted] Summit Funding, Inc Compliance Analyst II Sacramento, CA Hours: 8:a.mto 4:p.m(Mon– Fri.) Phone & Fax #: [redacted] E-mail: [redacted]

Dear Revdex.com Northeast California and Ms***,Our last contact with Ms [redacted] was on 7/2/ To date, Ms [redacted] has not provided proof that Summit Funding, Inc("Summit") charged and collected an Appraisal Fee from her or Mr***.We have suggested that she check her records for a copy of the appraisal report or its invoice, to confirm which company ordered the appraisal report and charged & collected the appraisal fee With [redacted] no longer with Summit, and based on the information recently provided by Ms [redacted] on different dates, our best guess is that the Appraisal was likely ordered by [redacted] or [redacted] *** Moreover, Summit's own appraisal department confirmed that we did not order an appraisal Therefore, giving money to Ms [redacted] for an appraisal fee that Summit did not order or collect money for would be inappropriate - a refund cannot be made on behalf of another company.Regarding credit pulls by Summit, we are in the process confirming the date of each credit inquiry and will take any steps necessary to have invalid requests removed We expect to have the credit inquiries research completed by the end of this week, meaning not later than 7/10/ Please watch for another update from me via the Web or via e-mail Thank you.Best regards, [redacted] Summit Funding, Inc.Compliance Analyst IISacramento, CAHours: 8:a.mto 4:p.m(Mon– Fri.)Phone & Fax #: [redacted] E-mail: [redacted]

Hello Ms [redacted] ,On 7/14/2015, our Accounting Department had me submit a credit card refund request form, which I did, so the $will be placed back onto your credit card instead of a check being issued.My understanding is that the refund must be processed this way due to the payment method (credit card).I will continue to follon this until I see that the credit card refund has been processed - I believe it should happen sometime next week Thank you.Best regards, [redacted] Summit Funding, Inc.Compliance Analyst IISacramento, CAHours: 8:a.mto 4:p.m(Mon– Fri.)Phone & Fax #: [redacted] E-mail: [redacted] ________________________________________________________________________________...⇄ brandi [redacted] [mailto:brandi [redacted] ] Sent: Friday, July 10, 3:PMTo: [redacted] Subject: RE: Complaint ID: [redacted] (Last Name: [redacted] ) - No response from the Revdex.com, but moving onThank you Mr [redacted] I will now have a nice weekend and you too Sent from my Verizon Wireless 4G LTE smartphone-------- Original message --------From: [redacted] < [redacted] > Date: 07/10/3:PM (GMT-08:00) To: [redacted] < [redacted] > Subject: RE: Complaint ID: [redacted] (Last Name: [redacted] ) - No response from the Revdex.com, but moving onConfirming receipt, Ms [redacted] – I see there’s no change in address.Once I receive the check, I will personally mail it to you from our Corporate office Thank you and have a great weekend!

Revdex.com: I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me I look forward to their final decision and resolution by 03/16/Thank you

Dear Revdex.com NorCal,
I have been informed that a mutual agreement was reached and that this matter is considered resolved. My understanding is that Mr*** will receive a letter and/or documentation under separate cover. Thank you
Best regards,
*** *** *** *** ***
*** *** ** *** ** *** *** *** ** *** *** *** * *** *** * *** ** *** *** *** ***

I am rejecting this response because: the amount we were reimbursed was not $check your account in records, please provide proof of the credit authorizationsAs they were never authorized

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me
A check made out to me would be ok although I know I would have been saving a lot more money if I got the year fixed finance like I was told I was gettingNow interest rates have gone back up and I lost out on a low interest rate to refinanceI would never recommend Summit Funding to anyone! Very disappointed and unhappy.It's unfortunate I had to contact the Revdex.com to have this situation handled.Thank you,*** ** ***

Dear Revdex.com NorCal,
We will send the requested documents directly to Ms. [redacted] on 1/25/2016.  Thank you.
Best regards,
 
[redacted]
 
Summit Funding, Inc.
Compliance Analyst II
Sacramento, CA
Hours: 8:00 a.m. to 4:30 p.m. (Mon. – Fri.)
Phone & Fax #: [redacted]
E-mail: [redacted]

Revdex.com:I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted] [redacted] [redacted]  hello I do not accept this , it is false I have sent an email to [redacted] at summit funding for the paid apprasial and also running a credit check without our approval all done by [redacted]  who is no longer with summit funding his profile now is back at [redacted]n the cincinati area with a phone number of [redacted] thank you  [redacted]

Dear Mr. [redacted] and Ms. [redacted], This is in response to the complaint (ID [redacted]) that you filed with the Revdex.com (“Revdex.com”) on May 27, 2015.   Summit Funding, Inc. (“Summit”) has treated your concerns with the upmost importance by conducting a thorough investigation...

regarding your claims.  While investigating your complaint, Summit’s Compliance Department discovered that you were not charged an appraisal fee.  Accordingly, it is Summit’s understanding that an appraisal was not ordered in relation to your loan application.  As such, Summit will not consider reimbursement of this cost at this time.  If you would like to provide a copy of your appraisal along with proof of payment of the appraisal invoice, please do so by using the email address or fax number provided below. Thank you. Best regards, [redacted]Summit Funding, Inc.Compliance Analyst IISacramento, CAHours: 8:00 a.m. to 4:30 p.m. (Mon. – Fri.)Phone & Fax #: [redacted]E-mail* [redacted]

Hello Ms. [redacted],On 7/14/2015, our Accounting Department had me submit a credit card refund request form, which I did, so the $450 will be placed back onto your credit card instead of a check being issued.My understanding is that the refund must be processed this way due to the payment method (credit card).I will continue to follow-up on this until I see that the credit card refund has been processed - I believe it should happen sometime next week.  Thank you.Best regards, [redacted]Summit Funding, Inc.Compliance Analyst IISacramento, CAHours: 8:00 a.m. to 4:30 p.m. (Mon. – Fri.)Phone & Fax #: [redacted]E-mail: [redacted]______________________________________________________________________...⇄ brandi[redacted] [mailto:brandi[redacted]] Sent: Friday, July 10, 2015 3:42 PMTo: [redacted]Subject: RE: Complaint ID: [redacted] (Last Name: [redacted]) - No response from the Revdex.com, but moving on... Thank you Mr. [redacted]. I will now have a nice weekend and you too.   Sent from my Verizon Wireless 4G LTE smartphone-------- Original message --------From: [redacted] <[redacted]> Date: 07/10/2015 3:31 PM (GMT-08:00) To: [redacted] <[redacted]> Subject: RE: Complaint ID: [redacted] (Last Name: [redacted]) - No response from the Revdex.com, but moving on... Confirming receipt, Ms. [redacted] – I see there’s no change in address.Once I receive the check, I will personally mail it to you from our Corporate office.  Thank you and have a great weekend!

Dear Revdex.com NorCal, This afternoon, our response was...

sent to the Consumer Protection Division.   At this time, we are watching for their response to us, as to whether they find our solution for Mr. [redacted] fair and reasonable.  Thank you. Best regards, [redacted] Compliance Analyst II D[redacted] E. [redacted]

Hello Ms. [redacted],On 7/14/2015, our Accounting Department had me submit a credit card refund request form, which I did, so the $450 will be placed back onto your credit card instead of a check being issued.My understanding is that the refund must be processed this way due to the payment method...

(credit card).I will continue to follow-up on this until I see that the credit card refund has been processed - I believe it should happen sometime next week.  Thank you.Best regards, [redacted]Summit Funding, Inc.Compliance Analyst IISacramento, CAHours: 8:00 a.m. to 4:30 p.m. (Mon. – Fri.)Phone & Fax #: [redacted]E-mail: [redacted]______________________________________________________________________...⇄ brandi[redacted] [mailto:brandi[redacted]] Sent: Friday, July 10, 2015 3:42 PMTo: [redacted]Subject: RE: Complaint ID: [redacted] (Last Name: [redacted]) - No response from the Revdex.com, but moving on... Thank you Mr. [redacted]. I will now have a nice weekend and you too.   Sent from my Verizon Wireless 4G LTE smartphone-------- Original message --------From: [redacted] <[redacted]> Date: 07/10/2015 3:31 PM (GMT-08:00) To: [redacted] <[redacted]> Subject: RE: Complaint ID: [redacted] (Last Name: [redacted]) - No response from the Revdex.com, but moving on... Confirming receipt, Ms. [redacted] – I see there’s no change in address.Once I receive the check, I will personally mail it to you from our Corporate office.  Thank you and have a great weekend!

Dear Ms. [redacted],I am writing in response to the complaint (ID [redacted]) (“Complaint”) that you filed with the Revdex.com (“Revdex.com”) on November 15, 2015.   Summit Funding, Inc. (“Summit”) has treated your concerns with the utmost importance by conducting a thorough...

investigation regarding your Complaint.  Summit’s investigation did not reveal any wrongdoing on Summit’s behalf.  However, it is my understanding that you were fully reimbursed by the branch for the $495 appraisal fee.  Regarding the credit inquiries, all credit inquiries by Summit were authorized.  We hope that you are satisfied with the appraisal fee refund and that Summit will have the opportunity in the future to serve your lending needs.  Sincerely,Best regards,[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.
I look forward to their final decision and resolution by 03/16/2018. Thank you.