Complete Auto Repair

We have been working with [redacted].to ensure that her payments are Posted properly. In addition we have placed stops with the credit bureaus and noted that late fees will not be imposed.Our Staff has also communicated to the borrower what actions can be taken in the future to mitigate...

mistakes.As of today this matter is closed. our apologies to [redacted] for any inconvenience.Thank YouJ.G.Wentworth Home Lending LLC

[redacted],Thank you for your note.The loan process requires effective communication. When inquiring into the reasons surrounding the delays on your loan:Initially you opted to return required signed forms via the US mail. That process took three weeks. When 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

October 24, 2017 Via Emil [redacted] Raleigh NC. [redacted]Re: [redacted] Dallas, TX [redacted].Fie No, [redacted],I have received your Revdex.com complaint, I have investigated the circumstancessurrounding your allegations.J.G...

Wentworth Home Lending is required to send you a copy of your appraisal. On July 20" we sent you a copy of the appraisal that was to be used in conjunction with your loan application.You chose to withdraw your loan application.You were supplied with a copy of your appraisal. You were in a position to supply your lenderwith the appraisal.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If 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 reported. I the business does not want to investigate this scam, do not bother providing a reply.
Regards,
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because:Date: Sat, Dec 16, 2017 at 6:26 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 normal procedures for JG Wentworth.In the letter I received from Mr. A[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 process. But as I believe I clearly demonstrated in the copies of Bruce C[redacted]'s emails to me, C[redacted] made absolute guarantees that the my mortgage re-finance would happen according to one of three scenarios. C[redacted] assuaged my concerns about paying for an appraisal, but not securing the re-fi. Whether he was simply making promises in "rogue" fashion, or if Mr. A[redacted] is denying that he did so (refuted by Mr. C[redacted]'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[redacted]) whatever the official appraisal dictated. Bruce C[redacted], JG Wentworth agent,  was either deliberately deceptive in what he committed to me -- in writing -- or incompetent. Mr. A[redacted] is either complicit, or he did not read my documents fully enough to realize that Mr. C[redacted] made guarantees that JG Wentworth could not support. If 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[redacted]- yours truly.Respectfully, [redacted]

[redacted]I apologize for my late response regarding this issue.Regarding [redacted]’s Complaint, please note our response.1. The 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 2. The loan was ready to close on contract date but the sellers needed to push back closingdue to some incomplete inspections. The loan officer explained that there would be a cost to extend the rate. This information also was communicated to the client’s realtor. The rate extension cost was a direct result of the seller’s inability to close as scheduled. Client was offered options regarding how to offset the lock extension cost. to offset the cost of the extension. 3. We 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.

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 Department. We reviewed this telephone interaction and found that the discussion was regarding principle curtailment payments and the escrow account. A 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, 2015 but not reflecting on your loan account. We 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, 2015 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 $2,243.86 and that the check was reconciled on October 13, 2015. The same day, a one- time draft was initiated on our website in the amount of $2,243.86 that was applied to the loan account to satisfy the October 2015 installment.On October 23, 2015 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 payment. The Supervisor advised that you would incur no late charges or adverse credit reporting as a result of the delay. We regret that you did not receive follow-up contact in a timely manner, as promised.On November 5, 2015, funds in the amount of $2,243.86 were applied to the loan account to satisfy the November 2015 installment. As of the date of this correspondence, the loan account is current. There 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.O. Box [redacted], Newark, NJ [redacted].We are unable to accommodate your request for compensation. Enclosed is a copy of your payment history which reflects the mentioned loan account activity.On behalf of J.G. Wentworth, I apologize for any confusion you may have experienced. Thank you for bringing these concerns to our attention and affording us the opportunity to address them. Should 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 response. If 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 phone. I was never told to place a stop payment on my check to avoid delinquency. They told me that the first ninety day of my transfer they would not consider the payment late or delinquent. Furthermore 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 it. That is the reason I sent to [redacted] on 8/28 and then find out they didn't accept it. I 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]

Autumn Air has responded everytime the homeowner has called us, when they had made us aware of damage, we reviewed the submitted pictures, and like any good contractor we contacted our insurance company so they could also access the situation, and determine fault, and if found to be responsible they...

would repair it and make the homeowners whole. The contract states we would connect to existing pvc drain line, the homes drain line is run in the walls and can not be simply replaced, while waiting to hear back from the insurance company we decided to dispatch a tech at no charge and place a drain float safety switch on at no charge after the homeowner declined it, just so they would have a safety in place. The length of time the adjuster and insurance company dealt with the claim was just a matter of days, not weeks.... they ultimately determined it was NOT a fault of Autumn Air, and the amount of damage did not occur in the amount of time in which was claimed, they are issuing a letter of denial, and should arrive shortly. It is unfortunate that when you do everything right, that it is still not good enough.... Invoice indicates reconnecting to existing drain line, drain line is original with home, customer calls with concern, we come immediately, we submit to insurance, insurance gives customer answer they do not agree with, home owner screams and yells at insurance adjuster (C[redacted], he confirms this to me on the phone and appears very distraught).... Homeowner calls office and threatens this very action. Autumn Air has done everything within its power to insure the matter was dealt with immediately, that the situation was addressed, the damage was deemed not a fault of our company. Autumn Air considers this matter closed beyond our control.

January 6, 2017[redacted]Glen Burnie, MD [redacted]                 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, 2015 and was funded on July 20, 2015.  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 60 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 2015 to 2016 since the disbursement date of September 2015 fell within the 60 day period.  Consequently, we did not disburse payment to Anne Arundel County.On December 1, 2015, we received notice that the 2015 first installment of property taxes was delinquent.  On December 1, 2015, a payment of $1,284.00 disbursed from your escrow on for the delinquent taxes due.  An additional amount of $38.52 also disbursed from our corporate account for penalties and interest charged.  Since the county had not yet received the September 2015 installment made on December 1, 2015, the county reflected a total due of $2,607.92, which included both the September and December 2015 installments.  As a result, funds of $2,607.92 disbursed from the escrow account on December 4, 2015.  A refund of $1,284.00, from Anne Arundel County posted to the escrow account on February 3, 2016.  An analysis of the escrow account was performed on July 25, 2016 effective with a September 2016 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, 2015.  Due to the shortage, your payment increased to $2,018.84 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 $1,955.39 effective with the January 2017 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 16 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 $970.84 was disbursed on January 3, 2017 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 2016.  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

Oscar A[redacted], personally spoke with [redacted] on the phone the day the complaint was made known to J.G.Wentworth Home Lending, Within 24 hours Servicing personnel called [redacted] and explained how to make payments, the use of the web site. And that Monthly statements are available and not...

coupons.[redacted]s needs were met. I apologize for the confusion.  Customer Service Sr. personnel were notified of the issue [redacted] raise.Oscar A[redacted]Sr. Vice President ComplianceJ.G. Wentworth Home lending, Inc.

I have spoken to [redacted] several times during the past three weeks.The issue has been resolved. The funds have been applied as a principal reduction, per Veterans Administration guidelines.Please contact me if you have any additional questions.Oscar ** A[redacted]Chief Compliance Officer

January 12, 2016[redacted]The Revdex.comRe: Case number [redacted]: [redacted]          Loan number: [redacted] Dear [redacted]:This letter is in response to your correspondence dated December 11, 2015.Our records indicate we responded to a...

complaint filed by [redacted] with the Consumer Financial Protection Bureau on November 16, 2015 which provided an explanation of what had occurred, gave details of the payments received and the action taken.  A copy of our response is enclosed.  In follow-up to the response, it is our understanding that [redacted] issued a check to reimburse the borrower for the property inspection fee that was paid.[redacted] contacted our Customer Service Department on December 2, 2015, and informed us that only one payment had been received by [redacted].  The representative with whom the borrower spoke initiated research as our records indicated that both payments had been sent to [redacted].  Our research has confirmed that the wire transfer was received and applied to the borrower’s loan; however, our previous letter incorrectly identified that the check sent via [redacted] had cleared our account.  We had found that this check remained outstanding and the process was initiated to stop and reissue the payment.The check sent in November 10, 2015 was replaced by check number [redacted] in the amount of $1,376.46 and was sent via [redacted] to [redacted] on December 28, 2015.  This check was received by [redacted] on December 29, 2015 and the check cleared our account on December 31, 2015. Should you have questions regarding this matter, please contact me at ###-###-####.Sincerely,Robert M[redacted]Office of the President Administrator

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
I'm happy to share these emails with the Revdex.com as well.
Regards,
[redacted]

Please forward to me a telephone number, a date and time so that I may call you regarding this matterOscar A[redacted]Chief Compliance Officer

[redacted],I have reviewed your comments regarding your loan application. We have reviewed the loan file and rationale utilized by the underwriting staff in arriving at the denial.The reasons for the denial are noted on the adverse action letter.The cost of your appraisal will be refunded.I am...

sorry that we were not able to complete the process.Oscar A[redacted]

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] feels. I 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 personal. In 13 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 transpired. I 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 compressor. He 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 system. Ms. [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 $550 or $22.92 per month, upon signing with our company we waived the original tune-up fee of $54.95 and a capacitor we had to change out at $131.40... 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 day. We next serviced her home on 6/10/2015.... 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 $319.95. While there she purchased two other maintenance items at a 20% discount. The discount of the invoice came to, $73.57. Not even considering the service call on 07/26/2015 in which she sent us away in leui of using her friend, we have given discounts and services totaling $579.87 plus the ten months of use @ $22.92 = 229.20 = $809.07.   I don't understand the reasoning behind expecting $330 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 6/10/15. 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 dishonest. At 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 money. I just want her to find a contractor that is willing to work with her financial situation that she feels comfortable with. I 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 am in receipt of this complaint.I personally will investigate and mitigate.Oscar A[redacted]Date: Thu, Aug 25, 2016 at 4:27 PMSubject: Mr [redacted].To: [redacted] <[redacted]> Mr. [redacted], My apologies. We researched the issues with Mr. [redacted]. We prepared a letter to...

send to him, only to disclover he paid off his loan. We fully intended to ensure that his payment was corrected. Thank YouOscar A

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 resolve. They are not interested in anything but a refund. Their complaint was never meant to be resolved. This 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 ###-###-####.