Complete Auto Repair

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Thank you for handling this professionally Daniel and his team were very helpful, so I don't blame them for thisI think we got held up by the inspector and thank you for making this right.I look forward to doing business together in the future Regards, [redacted] PSPlease feel free to forward this on to the business so they know what was communicated Thanks

Dear [redacted] ,When considering a refinance, in most cases, the appraised value of the subject property plays a pivotal role in a successful transaction.When investigating this case, your primary concern was whether you would financially qualify for the mortgage.The financial aspect of your application was reviewed and deemed to be viable.The next step was to acquire an appraisal to determine value and eligibility,The appraisal value was too low to support the transaction.We cannot determine appraisal valuesThe appraisals are completed by licensed appraisers chosen by an approved Appraisal Management Company,As such, we aré denying your request to be refunded the appraisal fee

[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.] Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I will wait to hear back from JG Wentworth regarding their handling of my complaint Regards, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: What they are stating took place and the options given to me are not consistent with what I was told over the phoneI was never told to place a stop payment on my check to avoid delinquencyThey told me that the first ninety day of my transfer they would not consider the payment late or delinquentFurthermore they state that my loan was transferred in July, I can show a statement from August showing a payment due to [redacted] mortgage for September's payment not JG Wentworth! I have a copie of this statement if anyone cares to see itThat is the reason I sent to [redacted] on 8/and then find out they didn't accept itI believe JG will stand by what they're writing but if they really had ethics they would pull those calls to listen to what I was told Regards, [redacted] ***

[redacted] I apologize for my late response regarding this issue.Regarding [redacted] ’s Complaint, please note our responseThe client was offered the JG Wentworth Home Lending “Lock and Lower program.This program allows a borrower to, under certain conditions, potentially lock a rate and if conditions are met, then if rates decrease through the process we would lower the clients interest rate The loan was ready to close on contract date but the sellers needed to push back closingdue to some incomplete inspectionsThe loan officer explained that there would be a cost to extend the rateThis information also was communicated to the client’s realtorThe rate extension cost was a direct result of the seller’s inability to close as scheduledClient was offered options regarding how to offset the lock extension costto offset the cost of the extensionWe communicated with the client and the agent prior to closing to see if they would beable to have the seller pay the rate extension fee

I am in receipt of this complaint.I personally will investigate and mitigate.Oscar A [redacted] Date: Thu, Aug 25, at 4:PMSubject: Mr [redacted] .To: [redacted] < [redacted] > Mr [redacted] , My apologiesWe researched the issues with Mr [redacted] We prepared a letter to send to him, only to disclover he paid off his loanWe fully intended to ensure that his payment was correctedThank YouOscar A

November 19, 2015Dear [redacted] :This letter is in response to your correspondence received in our office on November 10, 2015, regarding the above-referenced loan.We believe the telephone interaction you reference occurred on August 10, 2015, when you spoke with a representative from our Customer Service DepartmentWe reviewed this telephone interaction and found that the discussion was regarding principle curtailment payments and the escrow accountA request for the payment address was not mentioned during this interaction.We received email communication from you on October 13, 2015, wherein you stated that the October installment was submitted on October 2, but not reflecting on your loan accountWe requested proof of the payment, the front and back copy of a reconciled check or a bank transmittal summary, be forwarded to our office for further research as there was no record of receipt.On October 16, you contacted our office and informed a representative from our Customer Service Department that the payment was mailed to [redacted] ’s corporate office, via check number [redacted] in the amount of $2,and that the check was reconciled on October 13, The same day, a one- time draft was initiated on our website in the amount of $2,that was applied to the loan account to satisfy the October installment.On October 23, we received a copy of the reconciled check in our office and began the process of applying the funds to your loan account.Our records reflect that on November 2, 2015, you contacted our office and spoke with a Supervisor in our Customer Service Department regarding the paymentThe Supervisor advised that you would incur no late charges or adverse credit reporting as a result of the delayWe regret that you did not receive follcontact in a timely manner, as promised.On November 5, 2015, funds in the amount of $2,were applied to the loan account to satisfy the November installmentAs of the date of this correspondence, the loan account is currentThere have been no late charges assessed to the loan account and no adverse credit reporting.To avoid future delay in payment, we request that you update your web bill payment service to reflect the correct payment address of P.OBox ***, Newark, NJ [redacted] .We are unable to accommodate your request for compensationEnclosed is a copy of your payment history which reflects the mentioned loan account activity.On behalf of J.GWentworth, I apologize for any confusion you may have experiencedThank you for bringing these concerns to our attention and affording us the opportunity to address themShould you have questions with regard to this matter, please contact me at ###-###-####.Sincerely,LaTonya RService Excellence Administrator

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because:Date: Sat, Dec 16, at 6:PMSubject: Complaint # [redacted] To: " [redacted] @myRevdex.com.org" < [redacted] @myRevdex.com.org>Dear [redacted] ;I am responding with concern that my complaint, # [redacted] , was not only not resolved to my satisfaction, and to add that I was unable to read and process the response to the letter from JG Wentworth due to a debilitating illness, prior to my complaint/case being closed.My initial complaint was that JG Wenworth representative Bruce C [redacted] apparently made guarantees to me that, according to Oscar A [redacted] , Senior VP, Compliance, were out of range of procedures for JG Wentworth.In the letter I received from MrA [redacted] , via the Revdex.com on December 5th, 2017, A [redacted] states the policy and procedure of JG Wentworth, vis a vis the appraisal and loan approval processBut as I believe I clearly demonstrated in the copies of Bruce C***'s emails to me, C [redacted] made absolute guarantees that the my mortgage re-finance would happen according to one of three scenariosC [redacted] assuaged my concerns about paying for an appraisal, but not securing the re-fiWhether he was simply making promises in "rogue" fashion, or if MrA [redacted] is denying that he did so (refuted by MrC***'s own written statements to me, C [redacted] was acting as a representative of JG Wentworth when he guaranteed funding of my re-finance - which would be tailored to (according to C***) whatever the official appraisal dictatedBruce C***, JG Wentworth agent, was either deliberately deceptive in what he committed to me -- in writing -- or incompetentMrA [redacted] is either complicit, or he did not read my documents fully enough to realize that MrC [redacted] made guarantees that JG Wentworth could not supportIf this is the case, I would expect that the Senior VP would make his decision in favor of the consumer who placed her trust in C***- yours truly.Respectfully, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because:Again, vague and generalized statements are given regarding my complaint with no proper investigation of the issues I reportedI the business does not want to investigate this scam, do not bother providing a reply Regards, [redacted]

January 6, [redacted] ***Glen Burnie, MD *** Re: Loan number [redacted] Dear [redacted] :This letter is in response to your complaint filed with the Revdex.com, forwarded to our offices on December 14, 2016.According to our records, the above referenced mortgage loan closed on July 15, and was funded on July 20, Please note: there is a 3-business day period after your closing before your loan is funded by your mortgage lender At the closing of the loan, the establishment of an escrow account is for payment of homeowners’ insurance premiums and real estate property taxes It is our process that if taxes are due to disburse in the month, which falls within days from the funding, we expect the taxes to be paid at closing Additionally, it is our process to pay taxes a month in advance to ensure the timely delivery and application of the payment to the taxing authority As a result, when your loan boarded into our systems on July 22, 2015, our system automatically moved the first installment due date for taxes from September to since the disbursement date of September fell within the day period Consequently, we did not disburse payment to Anne Arundel County.On December 1, 2015, we received notice that the first installment of property taxes was delinquent On December 1, 2015, a payment of $1,disbursed from your escrow on for the delinquent taxes due An additional amount of $also disbursed from our corporate account for penalties and interest charged Since the county had not yet received the September installment made on December 1, 2015, the county reflected a total due of $2,607.92, which included both the September and December installments As a result, funds of $2,disbursed from the escrow account on December 4, A refund of $1,284.00, from Anne Arundel County posted to the escrow account on February 3, An analysis of the escrow account was performed on July 25, effective with a September payment change This analysis resulted in an escrow shortage of $1,339.06, which was a based on an increase in your property taxes The anticipated disbursement amount was based off the previous year’s tax disbursements of $3,891.92, which included the overpayment amount disbursed on December 4, Due to the shortage, your payment increased to $2,effective with the September payment The Real Estate Settlement Procedures Act (RESPA) requires that we perform an annual review of your escrow account Although an analysis was performed in July 2016, your scheduled analysis should be performed each November effective with your January payment On November 16, 2016, we performed your regularly scheduled analysis Your revised shortage came to $610.72, which resulted in a decrease in the monthly payment to $1,effective with the January installment.According to our records, the subject loan paid in full on December 8, 2016, and a final reconciliation of the escrow account was initiated It is our policy to release any funds in an escrow account within business days after the payoff funds credit to the account A check is than issued and mailed to the borrower within four business days of the release of the escrow funds this is in accordance with the Real Estate Settlement Procedures Act (RESPA) Our records indicate a refund of $was disbursed on January 3, and mailed to the address of record The refund included the additional funds applied to escrow due to the increase in payment for the months of September 2016, October 2016, and November We would like to offer our apology for any inconvenience you may have encountered while resolving this issue However, we are unable to accommodate your request for any other compensation or reimbursement Enclosed is a copy of each Annual Escrow Disclosure Statement and a payment history for your reference Should you have any questions regarding this matter, please contact me at ###-###-####.Sincerely,Maryalice T [redacted] Service Excellence AdministratorEnclosures

The complainant has a history of making unreasonable complaints as seen on their Google profile, notice that the complainant still is not interested in having a leak check performed, they prefer to game the system, and look to identify themselves as non profit in hopes that it offers additional consideration to their resolveThey are not interested in anything but a refundTheir complaint was never meant to be resolvedThis is simply business as usual for George, as he has proven to use this as an outlet to extort local businesses, you can reach the ROC at ###-###-####

[redacted] ,Thank you for your note.The loan process requires effective communicationWhen inquiring into the reasons surrounding the delays on your loan:Initially you opted to return required signed forms via the US mailThat process took three weeksWhen reviewed, the form packet was missing a few forms, requiring additional follow up.Secondly, the property was not ready to close requiring another extension.Finally Weather interfered with the proposed closing date, requiring the final extension.Thank YouJGWHL

I spoke with Ms [redacted] yesterday after my PMA co-ordinator Jennie could not seem to give her an answer that was acceptable, the conversation started off fine, however quickly it escalated as she began screaming and cursing in the phone, I politely let her continue so she could get her complete story out, it went from good to bad when she refused to accept the terms of her contract As a consumer I understand how Ms [redacted] feelsI was not able to talk to my technician prior to our conversation, as a business owner when someone starts accusing your company of lying to them or deceiving them, you tend to take it personalIn years I have never had a customer completely lose control and call me a "mother*fer" and she would see me in court After we disconnected I sat there in awe of what just transpiredI called my technician immediately to find out his side, he reported to me that he indeed told her, of her fan motor and her compressor, she stated the price was too much and had a friend that could do it cheaper, but to give her a quote on the compressorHe had stated to her it was pulling high map draws and that coupled with a bad fan motor, which was obvious because it was not moving, he recommended a new unit as well, due to the age and dependability of her current systemMs [redacted] then had a friend replace her motor After speaking with my technician, I had my PMA Co-ordinator Jennie, call Ms [redacted] and ultimately left her a message,(which she never called back) our original intentions was to let Ms [redacted] regain her composure and take a day or two to allow another attempt at solving her problem As discussed with her on the phone before she became erratical, the initial investment was $or $per month, upon signing with our company we waived the original tufee of $and a capacitor we had to change out at $both of these items were performed at no charge with her signing up on the agreement, on the contract it states , where she signed, in the event she cancelled, the refund would be the original amount ($550) less $186.35, for services performed that dayWe next serviced her home on 6/10/we performed routine maintenance and two coil cleanings, which were waived directly related to having a maintenance agreement in effect, the cost of those services as indicated on her invoice was $While there she purchased two other maintenance items at a 20% discountThe discount of the invoice came to, $Not even considering the service call on 07/26/in which she sent us away in leui of using her friend, we have given discounts and services totaling $plus the ten months of use @ $= = $ I don't understand the reasoning behind expecting $for a refund, unless Ms [redacted] is assigning zero value to the original maintenance and capacitor on the contract dating 10/21/14, or the work done on 6/10/I would have gotten to explain this had she not tried to power ballad over me, during our "conversation"She kept insisting that she didn't want to cancel her agreement that we were forcing her to by being dishonestAt this point, the customer would owe us money to cancel her agreement, I am more that willing to let her cancel and owe us no further moneyI just want her to find a contractor that is willing to work with her financial situation that she feels comfortable withI wish she would have given us the opportunity to speak as adults and explain in full detail the contract, however she resorted to swear and demeaning me on the phone, and I don't wish to continue a relationship like that

I still didn't receive the monthly statement associated for the payment due on September I can pay online, however since I still didn't receive the monthly statement, I remain concerned that the payment process is being hindered instead of facilitated
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
Regards,
*** ***

May 6, 2016*** *** *** *** DrWaterford, Ml 48329Re: Loan Number ***Case number: ***Dear Ms***:This letter is in response to your April 11, correspondence to the Revdex.com regarding payments which were submitted for the April installment and the
level of service you received.Your loan transferred from our corporate office to our servicing center in Ewing, New Jersey effective September 18, While we acknowledge when your loan closed an escrow account was established for the purposes of disbursing funds for homeowner's insurance premiums and real estate property taxes, the information provided to our servicing center indicated your payment was as follows:Principal and interest: $1,Hazard insurance: $54,Total $1,289.08As a result, your monthly payment amount did not include the collection of property taxes and your monthly installment decreased from $1,to $1,Additionally, the mortgage statement dated September 22, 2015, which was mailed to your address of record advised that you please review your bill for accuracySince we were not informed of the discrepancy, we continued to bill you for the amount of $1,289.08.Our records indicate on March 28, 2016, you initiated a payment in the amount of $1,utilizing our mobile website application to satisfy the April installmentThe electronic presentment was returned on April 1, 2016, as your bank identified that the bank account number was invalidA letter dated the same day (copy of the text is enclosed) was sent to her mailing address of record informing her that bank had not honored the payment.The transaction is not complete until the funds are received and applied to the loanIf incorrect data is entered, or funds are not available, the transaction is voidedPlease note: the mobile payment feature does not automatically populate any fields; the data in all fields must be manually entered by the userWe have enclosed evidence of the transmittals to the Federal Reserve initiated on March 28, 2016; take note of the bank account number associated with the transaction as it appears your loan number was entered in place of your bank account number.On April 9, 2016, you initiated a payment in the amount of $1,utilizing our mobile website application to satisfy the April installmentOur online system informs borrower's thatpayments submitted on the weekend will be processed on the next business dayAs a result, your payment posted to your account on April 11, 2016.Our records indicate you initiated three additional payments of $1,on April 11, Consequently, we are unable to draft a multiple payments on the same dayThe following is a breakdown of the payments which were made for the April monthly installment.Date Initiated Date Posted Amount Application March 28, || March 28, || $1,|| Returned April 1, 2016April 9, April 11, || $1,|| April Installment w/ additional principal April 11, April 11, || $1,|| May Installment w/ additional principal April 11, April 12, || $1,|| June Installment w/ additional principal April 11, April 13, || $1,|| July Installment w/ additional principalOn April 14, 2016, we received a request to have $3,returned to your bank accountThe process to return the funds was initiated on May 3, Please allow to business days for the funds to be returned to the checking account which was drafted.We note that you attempted to resolve your concerns several times with representatives in our Customer Service DepartmentWe would like to offer our apology if any of our representatives made you feel like you are not a valued customer of oursWe take customer service seriously and expect our employees to address customers professionally and courteouslyWe appreciate your feedback regarding the assistance you received on the telephone and regret any difficulty you experienced as this is not the level of service we strive to provide.Enclosed are copies of all aforementioned documentsShould you have any questions regarding this matter, please contact me at ###-###-####.???Sincerely,

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed
*** ***

[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Date: Mon, Feb 26, at 10:AMSubject: RE: *** *** Rebuttal (***)To: *** *** *** ***,We offered *** *** compensation and he accepted it.Thank youOscar A

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 Business' response contains untrue information. It was the business that continually interrupted me during the 'conversation'. I was never allowed to fully explain why I felt I was NOT cancelling the agreement per the terms of agreement, but rather it was the business and their faulty diagnoses of the AC issue, thus trying to charge me $2,for a compressor I didn't need as being the reason to terminate, not cancel, the agreementHad the business not lied I would not have wanted to terminate the agreementDue to their lying their cancellation policy is void. Only if I wanted to cancel at no fault of the business should the cancellation policy applySince when does a business get to lie and cheat their customer and then the customer has to follow their policy? What about my policy? The fan motor in the unit WAS spinning and working, it was only making a loud noise. Cold air continued to blow in the house, thus the fan was working, but making a loud noise. Here again the business is lying. The discounts and service prices the business sites in their response are their opinion of such price/cost. I looked up the cost of such equipment and they sell for much lessExample: A compressor for my unit sells for $to $780, this would mean the business was charging me $1,to installThe web states it should only take between & hours to install - includes all the other steps necessary for a full compressor installObviously the business' intent during the 'conversation' was to frustrate me to the point of hanging up on them. He is very good at interrupting and treating his customers so horribly that they can't take it any more. I repeatedly had to raise my voice over his interruptions stating, "Please let me finish", "You didn't let me finish", "You keep interrupting me and not letting me finish", etc. It was extremely frustrating to the point I had to threaten court action at which he proclaimed, "I have been taken to court time (or there about) and have won every time and always will." Think to yourself, if this business has been taken to court multiple times what is it they do to their customers that cause the customer to take the time and money to take them to court. Don't do business with Autumn Air or you may find yourself sold something you don't need, never receive the full value for your money, and so frustrated you'd rather throw your hard earned money away than to ever speak to them again. At this point I never want to hear from this company again
Regards,
*** ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]Are you serious??? I have two accounts with J.GWentworth which one of them I knew was transferred to ***, the other account I was having issues with. It doesn’t matter anymore my first mortgage with you all was just paid off this afternoonThe problem with corporate America is YOU DONT LISTEN ANYMORE. Revdex.com you can close out this accountI’m done with this companyThe deserve an F rating.
Complaint: ***
I am rejecting this response because:
Regards,
*** ***