Draper and Kramer, Incorporated

Initial Business Response / [redacted] (1000, 5, 2014/03/13) */ Contact Name and Title: [redacted] Controller Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @1AMLLC.com Response to borrower's allegations: Borrower's rate changed because he had credit issues that were not disclosed upfront As the rate changed due to borrower credit issues, the lender credit to cover closing costs was also impactedAgain, due to borrower credit issues Loan officer stated to borrower that if he closed in the first few days of the month, he would not have to make a payment for the month in which he refinanced as well as the following monthThe closing did not take place until later in month; therefore borrower did not have to make the next months payment Loan officer told borrower that once credit issues were resolved that it may take time for credit scores to go upBorrower was told that a refinance at a later date may be possible at a lower rate after scores improved Borrower closed his mortgage refinance on 01/29/He paid for January interest at the closing on his HUD documentThe interest for February is due with the 03/01/paymentTherefore, he does not make a 02/01/payment as he paid January interest at closingThis is the payment he missesMortgage interest is due in arrears If he had closed in early January, he would have missed the 01/01/and 02/01/payment, but he still would have paid the same amount of interestThe payoff to the current investor would have covered the missed 01/01/payment (December interest) and he would have paid for January interest at the closingThe next payment would have been 03/01/14, which is for February interest Borrower signed a note, a mortgage and a first payment letter stating his next payment would be due on 03/01/Therefore, he would not make a payment on 02/01/onlyHe understood at closing that he would not skip months payments Four different representatives with Draper and Kramer have explained to the borrower how the mortgage refinancing process and payments work, to no availWe disagree that Draper and Kramer did anything dishonest, disingenuous or illegal Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/03/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) The main issue is the verbal communications and promises given by the lender were all untrue Irregardless of how they spin it, a business is as good as it'sEmployee's word, especially a VP.'s word We still feel that this company was not honest and genuine We could have easily gotten a much better deal with other companiesBut we felt pressured and coerced into this deal We were told that we would not have to pay two months mortgage even at the very last moments before the closingWe took the lender's VPWord as a certainty, not realizing that it was a bait and switch deal Very disappointed Unhappy and unsatisfiedWill most likely seek remedy elsewhere if nit resolved here Final Business Response / [redacted] (4000, 9, 2014/03/19) */ Draper and Kramer stands by the loan officer who states he never guaranteed the borrower would miss two paymentsWe dispute that the borrower was coerced into this mortgageThe borrower signed the closing documents in agreement that his first payment would be on 03/01/and they would therefore only miss one payment, the 02/01/payment Draper and Kramer explained to borrower that daily interest is due to either the current investor or Draper and Kramer regardless of the date of closingIf the loan closed early in the month, the payoff to the current investor would have been higher to include that interestTherefore borrower would have received less cash back from this transactionThe net cash to the borrower would have been the same regardless of the time of the month the loan closed Borrower was also given the standard day rescission period after the closing in which they could have cancelled this transactionBorrower did not execute that optionThis option is available to borrower allowing them to cancel anytime with business days after closingBorrower does not contact Draper and Kramer to execute this option, they contact the title company directlyIf borrower felt coerced during the process, they could have cancelled directly with title company and avoided any contact with loan officer Final Consumer Response / [redacted] (4200, 11, 2014/03/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) Simply put, this company is dishonest They are the equivalent of a cheap used car salesmanThey say a lot of things that end up being untrueThen, they claim, well you signed the contract I will never do business with this companyI will never recommend this company, because of its illegal bait and switch business practices

Thank you for your excellent work in our communityThis letter is in response to complaint ID# [redacted] and I believe its duplicate of ID# [redacted] Thank you for the opportunity to share my experience with the customer Unfortunately, Mr [redacted] is leaving out a few details to his storyMr [redacted] has been a customer in our store in the past whereby we have sewn patches on [redacted] shirts at a discount to him because we wanted to be generous to his community involvementHowever, the prices on the patches that he requested to be sewn were going up and we informed him that we could no longer give him a very generous discounted priceWhen Mr [redacted] returned to my store to pick this shirt up, he cursed at, verbally abused, and greatly upset my employee who is a wife and mother of four childrenAfter I confronted him about his behavior, he apologizedHe then returned to the store and wanted to speak with me about the patches not being sewn properly Our policy is to sew the patches exactly where the customer requestsUnfortunately for Mr [redacted] he not only did not like the fact that the price went up from his previous shirts but also the fact that we sewed the patches exactly where he told us toWhen he returned to the store, he decided again to be very apologetic about his previous behavior and that he decided that he would wear the shirt as is When he returned to the store the last time, I was discussing with Mr [redacted] about the decision that he made two weeks earlier and that there would be no further work done to his shirtHe proceeded to become verbally abusive to me with another customer in my storeHe called me a [redacted] to my face and berated my businessMr [redacted] verbal abuse occurred not only with my employee and now with me The work that he requested was done at a fair price and as requestedHis behavior is not acceptable and certainly not representative of the [redacted] organizationHe will not get his money back and he is no longer welcome in my business Thank you again Revdex.com for you excellent work [redacted] , Owner Apollo Cleaners

Initial Business Response /* (1000, 5, 2014/05/23) */
Contact Name and Title: *** *** Mgr
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@DKLivingApts.com
When we received the keys to the apartment we did a walk through with the family memberDuring the inspection we
verbally informed the family member due to the heavy smoke stain throughout the apartment if there were additional charges beyond the regular paint cost due to the smoke those charges would be billed back to the apartmentWe do not charge for a regular apartment paintingHowever if there are damages and we are invoiced above the regular paint work, those charges are charged back to the unitThe person who lived in the apartment did not want her apartment painted and refused painting during her residencyThe lease terms state the resident is responsible for damages and the heavy smoke stain is considered damage
Per the lease agreement:
Condition of Dwelling Unit:
By signing this Agreement, the Tenant acknowledges that the unit is safe, clean and in good conditionThe Tenant agrees that all appliances and equipment in the unit are in good working order, except as described on the Unit Inspection Report which is Attachment Noto this AgreementThe Tenant also agrees that the Landlord has made no promises to decorate, alter, repair or improve the unit, except as listed on the Unit Inspection
Security Deposits
The Landlord will hold this security deposit for the period the Tenant occupies the unitAfter the Tenant has moved from the unit, the Landlord will determine whether the Tenant is eligible for a refund of any or all of the security depositThe amount of the refund will be determined in accordance with the following conditions and procedures
bAfter the Tenant has moved from the unit, the Landlord will inspect the unit and complete another Unit Inspection ReportThe Landlord will permit the Tenant to participate in the inspection, if the Tenant so requests
damages that are not due to wear and tear and are not listed on the Unit Inspection Report
dThe Landlord will also give the Tenant a written list of charges that were subtracted from the deposit
Maintenance:
bThe Tenant agrees to:
(1) keep the unit clean
As agent for the owner, I have met all lease terms pertaining to the Security Deposit
The tenant agrees to keep the unit clean and the landlord may apply the security deposit to damages that are not due to wear and tear and are not listed on the Unit Inspection Report
The move in unit inspection does not show the walls as being heavily smoked stainedUpon move out the walls were heavily smoked stained
To apply the security deposit to the cost above and beyond the cost of a regular paint job is within lease terms
The complainant was informed of this during the move out inspection and did receive documentation to support the additional painting charge
The complaint was given proper accounting of funds and additional charges
If you would like to have copies of the lease, move out inspection and invoice of charges, please let me know

I wanted to let you know that I worked with Draper and Kramer on renting an apartment and it was a great experience So many times people post the negative but never the positive I hope this review makes it way back to Draper and Kramer

Initial Business Response /* (1000, 5, 2014/03/13) */
Contact Name and Title: [redacted] Controller
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@1AMLLC.com
Response to borrower's allegations:
1. Borrower's rate changed because he had credit issues that were not disclosed...

upfront.
2. As the rate changed due to borrower credit issues, the lender credit to cover closing costs was also impacted. Again, due to borrower credit issues.
3. Loan officer stated to borrower that if he closed in the first few days of the month, he would not have to make a payment for the month in which he refinanced as well as the following month. The closing did not take place until later in month; therefore borrower did not have to make the next months payment.
4. Loan officer told borrower that once credit issues were resolved that it may take time for credit scores to go up. Borrower was told that a refinance at a later date may be possible at a lower rate after scores improved.
Borrower closed his mortgage refinance on 01/29/14. He paid for January interest at the closing on his HUD document. The interest for February is due with the 03/01/14 payment. Therefore, he does not make a 02/01/14 payment as he paid January interest at closing. This is the payment he misses. Mortgage interest is due in arrears.
If he had closed in early January, he would have missed the 01/01/14 and 02/01/14 payment, but he still would have paid the same amount of interest. The payoff to the current investor would have covered the missed 01/01/14 payment (December interest) and he would have paid for January interest at the closing. The next payment would have been 03/01/14, which is for February interest.
Borrower signed a note, a mortgage and a first payment letter stating his next payment would be due on 03/01/14. Therefore, he would not make a payment on 02/01/14 only. He understood at closing that he would not skip 2 months payments.
Four different representatives with Draper and Kramer have explained to the borrower how the mortgage refinancing process and payments work, to no avail. We disagree that Draper and Kramer did anything dishonest, disingenuous or illegal.
Initial Consumer Rebuttal /* (3000, 7, 2014/03/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The main issue is the verbal communications and promises given by the lender were all untrue.
Irregardless of how they spin it, a business is as good as it's. Employee's word, especially a V. P.'s word.
We still feel that this company was not honest and genuine.
We could have easily gotten a much better deal with other companies. But we felt pressured and coerced into this deal.
We were told that we would not have to pay two months mortgage even at the very last moments before the closing. We took the lender's VP. Word as a certainty, not realizing that it was a bait and switch deal.
Very disappointed.
Unhappy and unsatisfied. Will most likely seek remedy elsewhere if nit resolved here.
Final Business Response /* (4000, 9, 2014/03/19) */
Draper and Kramer stands by the loan officer who states he never guaranteed the borrower would miss two payments. We dispute that the borrower was coerced into this mortgage. The borrower signed the closing documents in agreement that his first payment would be on 03/01/14 and they would therefore only miss one payment, the 02/01/14 payment.
Draper and Kramer explained to borrower that daily interest is due to either the current investor or Draper and Kramer regardless of the date of closing. If the loan closed early in the month, the payoff to the current investor would have been higher to include that interest. Therefore borrower would have received less cash back from this transaction. The net cash to the borrower would have been the same regardless of the time of the month the loan closed.
Borrower was also given the standard 3 day rescission period after the closing in which they could have cancelled this transaction. Borrower did not execute that option. This option is available to borrower allowing them to cancel anytime with 3 business days after closing. Borrower does not contact Draper and Kramer to execute this option, they contact the title company directly. If borrower felt coerced during the process, they could have cancelled directly with title company and avoided any contact with loan officer.
Final Consumer Response /* (4200, 11, 2014/03/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Simply put, this company is dishonest.
They are the equivalent of a cheap used car salesman. They say a lot of things that end up being untrue. Then, they claim, well you signed the contract.
I will never do business with this company. I will never recommend this company, because of its illegal bait and switch business practices.

Thank you for your excellent work in our community. This letter is in response to complaint ID#[redacted] and I believe its duplicate of ID#[redacted]. Thank you for the opportunity to share my experience with the customer. 
Unfortunately, Mr. [redacted] is leaving out a few details to...

his story. Mr. [redacted] has been a customer in our store in the past whereby we have sewn patches on [redacted] shirts at a discount to him because we wanted to be generous to his community involvement. However, the prices on the patches that he requested to be sewn were going up and we informed him that we could no longer give him a very generous discounted price. When Mr. [redacted] returned to my store to pick this shirt up, he cursed at, verbally abused, and greatly upset my employee who is a wife and mother of four children. After I confronted him about his behavior, he apologized. He then returned to the store and wanted to speak with me about the patches not being sewn properly. 
Our policy is to sew the patches exactly where the customer requests. Unfortunately for Mr. [redacted] he not only did not like the fact that the price went up from his previous shirts but also the fact that we sewed the patches exactly where he told us to. When he returned to the store, he decided again to be very apologetic about his previous behavior and that he decided that he would wear the shirt as is. 
When he returned to the store the last time, I was discussing with Mr. [redacted] about the decision that he made two weeks earlier and that there would be no further work done to his shirt. He proceeded to become verbally abusive to me with another customer in my store. He called me a [redacted] to my face and berated my business. Mr. [redacted] verbal abuse occurred not only with my employee and now with me. 
The work that he requested was done at a fair price and as requested. His behavior is not acceptable and certainly not representative of the [redacted] organization. He will not get his money back and he is no longer welcome in my business. 
Thank you again Revdex.com for you excellent work. 
[redacted], Owner
Apollo Cleaners

Contact Name and Title: [redacted] AVP
Contact Phone: [redacted]
Contact Email: [redacted]
After reviewing the applicants file, we found the charge was disputed unbeknownst to the applicant by his CC company, and the balance due was accurate. It was...

determined that the collection agency had inaccurate phone and mail contact information so he never received notification. Due to the confusion, he paid the balance due, and the collection will be removed from his credit report by the agency.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I did not swear at the store owner HE was verbally ride to me I did not call him a [redacted]
I will never give him my business he is a total jerk the patches that were sewn wrong were placed on shirt by his employee.
She was rude time which I later apologized to them about but she was rude to me first.
Store owner is a lair and a jerk.  I consider it a waste of time for further communication with them.  He will go out of business if he treats customers like this
Regards,  there is no need for any further action.
[redacted]