Mr [redacted] :We understand you have received a marketing letter about your property taxes being past due Please understand we purchase lists from the tax offices in a number of different counties in the State We trust the information is up to date, but in case it is not, we include the verbiage in the second sentence that states if your taxes have been paid, please disregard this letter Please note we are a Texas company who has been in business for many years and have helped thousands of customers save their property We are licensed by the OCCC and adhere to the rules and regulations of that governing body, as well as the Finance Code and the Tax Code We are an ethical company and do not attempt to scam anyone, especially innocent elderly citizens There are many programs available to people that need assistance with their property taxes and Property Tax Lenders are just one alternative.We apologize for sending you a letter that did not represent your tax situation, but we offer our help and assistance to those property owners appearing on the county list I would be more than happy to discuss your concerns over the phone You may reach me at [redacted] ext [redacted] or you may e-mail me at [redacted] .Thank you for your time and for voicing your concerns.Sincerely, [redacted]
We are researching the situation and will have a response for the Revdex.com to review before sending to our customer We have not been directly contacted by the customer and hope to address this situation to everyone's satisfaction.Thank you
Complaint: [redacted] I am rejecting this response because: The only thing I asked was that there would be no further contact by this company, and now I am being forced to respond to their lame excuse for continuing to mail usThey say they didn't have time to pull us from their list but the letter is dated days after my first review (business days)Just how much time did they need to stop doing something they shouldn't have been doing in the first place, as I think this is a tacky way to drum up business to begin withAlso, the date of the letter is not consistent with it's receipt, as I did not receive it until weeks after I had asked this company to stop harassing meIt was mailed within the stateThere's no way it took that long to get hereThey may have dated just days after my complaint, but they sent it well after that, just as the original arrived more than a week past its dateThat means this company had plenty of time to pull the letter and just chose not toNow, they and the Revdex.com are forcing me into discourse about this event, when all I asked was for them to leave me aloneThey can pretend they're apologizing, yet a "sorry" followed by a "but" is an excuse, and as consumers we know it Regards, [redacted] ***
I have attached a copy of the marketing letter that was sent to a large number of consumers, who, according to public information had not paid their 2017 property taxes at the time we received the list of names. Please note that the second sentence states that "if your taxes are already paid,...
please disregard this letter". We have tried to reach out to the customer with the contact information he provided, but have been unsuccessful. My question to the Mr. [redacted] would be whether he owns more than one property and if he does, are those properties in the same county. The letter we sent was in reference to a property located in Willow Park with the taxes of $7,021.12. In reference to the conversation he had with one of our representatives, I apologize if that was said. I have not been able to identify the person with whom he visited, but please know we do not condone that type of behavior. Our clients are extremely important to us and we value their relationships. A prospective client deserves just as much respect and courtesy as an active client.Again, I would appreciate having a conversation with Mr. [redacted] at his convenience. He may contact me at [redacted] extension [redacted] or he may e-mail me at [redacted].Thank you,[redacted]
Please note that I left a message for Mr. [redacted] at his office. I explained to the young lady who answered the phone that I wanted to speak to him in reference to his comments to the Revdex.com. It was my intention to apologize, as well as gather more information in order to offer...
training to the employee with whom Mr. [redacted] spoke. I am sincerely sorry that he was treated so unprofessionally. I left my cell phone number with his office so that I would be available as many hours as possible to talk to him. To date, I have not heard from Mr. [redacted].
February 25, 2016On May 3, 2007, [redacted] and [redacted]...
[redacted], husband and wife, called and applied for loans in order to pay their property taxes on two different properties. Those properties were [redacted], an investment residential property and [redacted], their residence. One property was located in Medina County and the other in Bexar County.The loan number for [redacted] was [redacted]. The terms of the loan were: 5 Years, Interest only, 17.989 Interest Rate, Monthly payments of $68.08 with a balloon at the end of the term for $4,541.30 and no prepayment penalties. This loan was signed by both parties on 5-15-2007. A Property Tax Lien Note and Deed of Trust was recorded in Medina County on or about 5-25-2007. An authorization for Hunter-Kelsey II, LLC to pay their property taxes was signed by both parties and sent with the tax payment to the Medina County Tax Assessor. The Tax Assessor signed the Transfer of Tax Lien, assigning the Tax Lien to Hunter-Kelsey II, LLC. The Tax Lien Transfer was recorded in Medina County. This loan was paid as agreed at $68.08 per month, which was the monthly interest on the loan. This loan did not go to term, as the property was sold by Mr. [redacted] on or about 4-14-2008, as we received the payoff funds on that date. The lien on the property was released once we received the final payment. We no longer have the paperwork in our files, however, the Medina County Clerk should have the Tax Lien Transfer, the Note and the Release in their recorded documents.The loan number for [redacted] is [redacted]. The terms of the loan were: 5 Years, Interest Only, 17.989 Interest Rate, Monthly payments of $72.58 with a balloon at the end of the term for $4,841.31 and no prepayment penalties. This loan was signed by both parties on 5-15-2007. A Property Tax Lien Note and Deed of Trust was recorded in Bexar County on 5-25-2007. An authorization for Hunter-Kelsey II, LLC to pay their property taxes was signed by both parties and sent with the tax payment to the Bexar County Tax Assessor. The Tax Assessor signed the Transfer of Tax Lien, assigning the Tax Lien to Hunter-Kelsey II, LLC. The Tax Lien Transfer was recorded in Bexar County on July 11, 2007. This loan payments were to be paid on the 15th day of each month at $72.58 per month, which was the monthly interest on the loan. The payments, unfortunately, fell behind from their first payment and did get current until May of 2008 when the account became delinquent once again. In September of 2008, the payments became current, until February of 2009. The cycle of becoming late with their payments and then catching up ceased as of August 2009 and continued to being current until March of 2013 when the account became 200 days past due. We have received no payments since February 24, 2014. The payment we received on that date was for the 7-15-2013 payment.Our Loan Servicing staff received a call from Mr. [redacted] on March 21, 2013 asking why his balance was not decreasing. The loan had matured as of May 15, 2012 and our representative suggested he talk to one of our Loan Officers, [redacted], to modify his note from interest only to an amortizing note. While it was offered to him at that time, he did not contact [redacted]. He did contact us again in April of 2013 and again we offered to modify his matured loan. At that time, he spoke with [redacted] Forbus, another loan officer in our company. On May 23, 2013 Mr. [redacted] called and indicated he had not heard back from [redacted]. This call was immediately transferred to [redacted]. In September of 2013 Mr. [redacted] stated he wanted to do a modification. The loan modification paperwork was prepared by our attorney, sent to Mr. [redacted], and was never returned. Please note that each time a modification was prepared, it cost Hunter-Kelsey $150.00 that was not recovered.Upon being contacted in October, 2013, [redacted] indicated he didn't return the paperwork because the modification was too high and that his wife was looking into paying off the loan within a few months.He was offered a modification once again in March, 2014 and again in April. In May of 2014 [redacted] requested a modification changing the matured interest only loan to an amortizing loan, with payments as low as we could calculate them. [redacted], a Loan Officer for the company, had the modification prepared and sent to Mr. [redacted]. This paperwork, we now know, was reviewed by Mr. [redacted].A letter was faxed to our office from Mr. [redacted], an attorney, dated May 29, 2014 disputing a property tax loan had ever been executed by Mr. and Mrs. [redacted]. He also stated that once he received the information he requested, he would further review the modification paperwork. Our attorney, [redacted] of [redacted], responded that letter on June 18, 2014 and eventually spoke with Mr. [redacted].In June, 2014, Mr. [redacted] let us know he had hired Mr. [redacted], an attorney, to review the situation. He also requested that all communication be held with his attorney and he did not want our company to contact him.In August of 2014, we forwarded the loan file to our attorney to start the foreclosure process. Our attorney, [redacted], sent certified letters of intent to Mr. [redacted], Ms. [redacted] and to CT Corporation System, the loan servicer for their mortgage company on September 17, 2014.In April, 2015, [redacted] of [redacted] and [redacted] sent a letter to Mr. [redacted] indicating that the foreclosure on the [redacted]'s property located at [redacted] Dr was moving forward. On December 14, 2015, Mr. [redacted] and CT Corporation System were sent certified letters of Notice of Acceleration. Our law firm has posted the foreclosure for April, 2016.We make loans secured by real estate when it is beneficial to both the property owner and to our company. When you review the paperwork attached, we believe you will see that we offered to modify the [redacted]'s existing loan on a number of occasions. The greatest injustice done in this circumstance was the fact we were not aggressive enough in our collection process, as we should have been. We allowed them to continue to make interest payments when we should have insisted they pay off the loan. Our company still has to pay for the cost of funds and the attorney fees whether we collect payments or not. We do not want the [redacted]'s to have to go through the foreclosure process and we certainly don't want their home. We are willing, once again, to modify their loan so that they may keep their home.Should you have any questions, please contact [redacted], Vice President of Loan Servicing, [redacted]
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.
Regards,
[redacted]
Mr. [redacted]:We understand you have received a marketing letter about your property taxes being past due. Please understand we purchase lists from the tax offices in a number of different counties in the State. We trust the information is up to date, but in case it is not, we...
include the verbiage in the second sentence that states if your taxes have been paid, please disregard this letter. Please note we are a Texas company who has been in business for many years and have helped thousands of customers save their property. We are licensed by the OCCC and adhere to the rules and regulations of that governing body, as well as the Finance Code and the Tax Code. We are an ethical company and do not attempt to scam anyone, especially innocent elderly citizens. There are many programs available to people that need assistance with their property taxes and Property Tax Lenders are just one alternative.We apologize for sending you a letter that did not represent your tax situation, but we offer our help and assistance to those property owners appearing on the county list. I would be more than happy to discuss your concerns over the phone. You may reach me at [redacted] ext [redacted] or you may e-mail me at [redacted].Thank you for your time and for voicing your concerns.Sincerely,[redacted]
Complaint: [redacted]
I am rejecting this response because:
The only thing I asked was that there would be no further contact by this company, and now I am being forced to respond to their lame excuse for continuing to mail us. They say they didn't have time to pull us from their list but the letter is dated 5 days after my first review (4 business days). Just how much time did they need to stop doing something they shouldn't have been doing in the first place, as I think this is a tacky way to drum up business to begin with. Also, the date of the letter is not consistent with it's receipt, as I did not receive it until 2 weeks after I had asked this company to stop harassing me. It was mailed within the state. There's no way it took that long to get here. They may have dated just 5 days after my complaint, but they sent it well after that, just as the original arrived more than a week past its date. That means this company had plenty of time to pull the letter and just chose not to. Now, they and the Revdex.com are forcing me into discourse about this event, when all I asked was for them to leave me alone. They can pretend they're apologizing, yet a "sorry" followed by a "but" is an excuse, and as consumers we know it.
Regards,
[redacted]
Thank you again, Mrs. [redacted], for allowing us to address your issues with our direct mail campaigns. I am not sure why you have not received our response to your second complaint about receiving direct mail pieces. Our mailings are on a scheduled plan, with our vendor, to be sent on...
specific dates. It appears that the schedule did not allow us enough time, once we received your initial request, to have the vendor pull your mail from the project. Again, we apologize. Thank you for your feedback and alerting us about this matter.
Complaint: [redacted]
My apologies for not returning your call. May you please call back and speak to my office manager [redacted] about the complaint and she will be able to give you more information about the call and our issues with your method of advertising.
Regards,
[redacted]
We are researching the situation and will have a response for the Revdex.com to review before sending to our customer. We have not been directly contacted by the customer and hope to address this situation to everyone's satisfaction.Thank you.
Revdex.com Team: I will be happy to call Mr [redacted] 's office manager and speak with her about the issuesSincerely, [redacted]
Mr [redacted] :We understand you have received a marketing letter about your property taxes being past due Please understand we purchase lists from the tax offices in a number of different counties in the State We trust the information is up to date, but in case it is not, we include the verbiage in the second sentence that states if your taxes have been paid, please disregard this letter Please note we are a Texas company who has been in business for many years and have helped thousands of customers save their property We are licensed by the OCCC and adhere to the rules and regulations of that governing body, as well as the Finance Code and the Tax Code We are an ethical company and do not attempt to scam anyone, especially innocent elderly citizens There are many programs available to people that need assistance with their property taxes and Property Tax Lenders are just one alternative.We apologize for sending you a letter that did not represent your tax situation, but we offer our help and assistance to those property owners appearing on the county list I would be more than happy to discuss your concerns over the phone You may reach me at [redacted] ext [redacted] or you may e-mail me at [redacted] .Thank you for your time and for voicing your concerns.Sincerely, [redacted]
We are researching the situation and will have a response for the Revdex.com to review before sending to our customer We have not been directly contacted by the customer and hope to address this situation to everyone's satisfaction.Thank you
Complaint: [redacted] I am rejecting this response because: The only thing I asked was that there would be no further contact by this company, and now I am being forced to respond to their lame excuse for continuing to mail usThey say they didn't have time to pull us from their list but the letter is dated days after my first review (business days)Just how much time did they need to stop doing something they shouldn't have been doing in the first place, as I think this is a tacky way to drum up business to begin withAlso, the date of the letter is not consistent with it's receipt, as I did not receive it until weeks after I had asked this company to stop harassing meIt was mailed within the stateThere's no way it took that long to get hereThey may have dated just days after my complaint, but they sent it well after that, just as the original arrived more than a week past its dateThat means this company had plenty of time to pull the letter and just chose not toNow, they and the Revdex.com are forcing me into discourse about this event, when all I asked was for them to leave me aloneThey can pretend they're apologizing, yet a "sorry" followed by a "but" is an excuse, and as consumers we know it Regards, [redacted] ***
I have attached a copy of the marketing letter that was sent to a large number of consumers, who, according to public information had not paid their 2017 property taxes at the time we received the list of names. Please note that the second sentence states that "if your taxes are already paid,...
please disregard this letter". We have tried to reach out to the customer with the contact information he provided, but have been unsuccessful. My question to the Mr. [redacted] would be whether he owns more than one property and if he does, are those properties in the same county. The letter we sent was in reference to a property located in Willow Park with the taxes of $7,021.12. In reference to the conversation he had with one of our representatives, I apologize if that was said. I have not been able to identify the person with whom he visited, but please know we do not condone that type of behavior. Our clients are extremely important to us and we value their relationships. A prospective client deserves just as much respect and courtesy as an active client.Again, I would appreciate having a conversation with Mr. [redacted] at his convenience. He may contact me at [redacted] extension [redacted] or he may e-mail me at [redacted].Thank you,[redacted]
Please note that I left a message for Mr. [redacted] at his office. I explained to the young lady who answered the phone that I wanted to speak to him in reference to his comments to the Revdex.com. It was my intention to apologize, as well as gather more information in order to offer...
training to the employee with whom Mr. [redacted] spoke. I am sincerely sorry that he was treated so unprofessionally. I left my cell phone number with his office so that I would be available as many hours as possible to talk to him. To date, I have not heard from Mr. [redacted].
February 25, 2016On May 3, 2007, [redacted] and [redacted]...
[redacted], husband and wife, called and applied for loans in order to pay their property taxes on two different properties. Those properties were [redacted], an investment residential property and [redacted], their residence. One property was located in Medina County and the other in Bexar County.The loan number for [redacted] was [redacted]. The terms of the loan were: 5 Years, Interest only, 17.989 Interest Rate, Monthly payments of $68.08 with a balloon at the end of the term for $4,541.30 and no prepayment penalties. This loan was signed by both parties on 5-15-2007. A Property Tax Lien Note and Deed of Trust was recorded in Medina County on or about 5-25-2007. An authorization for Hunter-Kelsey II, LLC to pay their property taxes was signed by both parties and sent with the tax payment to the Medina County Tax Assessor. The Tax Assessor signed the Transfer of Tax Lien, assigning the Tax Lien to Hunter-Kelsey II, LLC. The Tax Lien Transfer was recorded in Medina County. This loan was paid as agreed at $68.08 per month, which was the monthly interest on the loan. This loan did not go to term, as the property was sold by Mr. [redacted] on or about 4-14-2008, as we received the payoff funds on that date. The lien on the property was released once we received the final payment. We no longer have the paperwork in our files, however, the Medina County Clerk should have the Tax Lien Transfer, the Note and the Release in their recorded documents.The loan number for [redacted] is [redacted]. The terms of the loan were: 5 Years, Interest Only, 17.989 Interest Rate, Monthly payments of $72.58 with a balloon at the end of the term for $4,841.31 and no prepayment penalties. This loan was signed by both parties on 5-15-2007. A Property Tax Lien Note and Deed of Trust was recorded in Bexar County on 5-25-2007. An authorization for Hunter-Kelsey II, LLC to pay their property taxes was signed by both parties and sent with the tax payment to the Bexar County Tax Assessor. The Tax Assessor signed the Transfer of Tax Lien, assigning the Tax Lien to Hunter-Kelsey II, LLC. The Tax Lien Transfer was recorded in Bexar County on July 11, 2007. This loan payments were to be paid on the 15th day of each month at $72.58 per month, which was the monthly interest on the loan. The payments, unfortunately, fell behind from their first payment and did get current until May of 2008 when the account became delinquent once again. In September of 2008, the payments became current, until February of 2009. The cycle of becoming late with their payments and then catching up ceased as of August 2009 and continued to being current until March of 2013 when the account became 200 days past due. We have received no payments since February 24, 2014. The payment we received on that date was for the 7-15-2013 payment.Our Loan Servicing staff received a call from Mr. [redacted] on March 21, 2013 asking why his balance was not decreasing. The loan had matured as of May 15, 2012 and our representative suggested he talk to one of our Loan Officers, [redacted], to modify his note from interest only to an amortizing note. While it was offered to him at that time, he did not contact [redacted]. He did contact us again in April of 2013 and again we offered to modify his matured loan. At that time, he spoke with [redacted] Forbus, another loan officer in our company. On May 23, 2013 Mr. [redacted] called and indicated he had not heard back from [redacted]. This call was immediately transferred to [redacted]. In September of 2013 Mr. [redacted] stated he wanted to do a modification. The loan modification paperwork was prepared by our attorney, sent to Mr. [redacted], and was never returned. Please note that each time a modification was prepared, it cost Hunter-Kelsey $150.00 that was not recovered.Upon being contacted in October, 2013, [redacted] indicated he didn't return the paperwork because the modification was too high and that his wife was looking into paying off the loan within a few months.He was offered a modification once again in March, 2014 and again in April. In May of 2014 [redacted] requested a modification changing the matured interest only loan to an amortizing loan, with payments as low as we could calculate them. [redacted], a Loan Officer for the company, had the modification prepared and sent to Mr. [redacted]. This paperwork, we now know, was reviewed by Mr. [redacted].A letter was faxed to our office from Mr. [redacted], an attorney, dated May 29, 2014 disputing a property tax loan had ever been executed by Mr. and Mrs. [redacted]. He also stated that once he received the information he requested, he would further review the modification paperwork. Our attorney, [redacted] of [redacted], responded that letter on June 18, 2014 and eventually spoke with Mr. [redacted].In June, 2014, Mr. [redacted] let us know he had hired Mr. [redacted], an attorney, to review the situation. He also requested that all communication be held with his attorney and he did not want our company to contact him.In August of 2014, we forwarded the loan file to our attorney to start the foreclosure process. Our attorney, [redacted], sent certified letters of intent to Mr. [redacted], Ms. [redacted] and to CT Corporation System, the loan servicer for their mortgage company on September 17, 2014.In April, 2015, [redacted] of [redacted] and [redacted] sent a letter to Mr. [redacted] indicating that the foreclosure on the [redacted]'s property located at [redacted] Dr was moving forward. On December 14, 2015, Mr. [redacted] and CT Corporation System were sent certified letters of Notice of Acceleration. Our law firm has posted the foreclosure for April, 2016.We make loans secured by real estate when it is beneficial to both the property owner and to our company. When you review the paperwork attached, we believe you will see that we offered to modify the [redacted]'s existing loan on a number of occasions. The greatest injustice done in this circumstance was the fact we were not aggressive enough in our collection process, as we should have been. We allowed them to continue to make interest payments when we should have insisted they pay off the loan. Our company still has to pay for the cost of funds and the attorney fees whether we collect payments or not. We do not want the [redacted]'s to have to go through the foreclosure process and we certainly don't want their home. We are willing, once again, to modify their loan so that they may keep their home.Should you have any questions, please contact [redacted], Vice President of Loan Servicing, [redacted]
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.
Regards,
[redacted]
Revdex.com Team: I will be happy to call Mr. [redacted]'s office manager and speak with her about the issues. Sincerely,[redacted]
Mr. [redacted]:We understand you have received a marketing letter about your property taxes being past due. Please understand we purchase lists from the tax offices in a number of different counties in the State. We trust the information is up to date, but in case it is not, we...
include the verbiage in the second sentence that states if your taxes have been paid, please disregard this letter. Please note we are a Texas company who has been in business for many years and have helped thousands of customers save their property. We are licensed by the OCCC and adhere to the rules and regulations of that governing body, as well as the Finance Code and the Tax Code. We are an ethical company and do not attempt to scam anyone, especially innocent elderly citizens. There are many programs available to people that need assistance with their property taxes and Property Tax Lenders are just one alternative.We apologize for sending you a letter that did not represent your tax situation, but we offer our help and assistance to those property owners appearing on the county list. I would be more than happy to discuss your concerns over the phone. You may reach me at [redacted] ext [redacted] or you may e-mail me at [redacted].Thank you for your time and for voicing your concerns.Sincerely,[redacted]
Complaint: [redacted]
I am rejecting this response because:
The only thing I asked was that there would be no further contact by this company, and now I am being forced to respond to their lame excuse for continuing to mail us. They say they didn't have time to pull us from their list but the letter is dated 5 days after my first review (4 business days). Just how much time did they need to stop doing something they shouldn't have been doing in the first place, as I think this is a tacky way to drum up business to begin with. Also, the date of the letter is not consistent with it's receipt, as I did not receive it until 2 weeks after I had asked this company to stop harassing me. It was mailed within the state. There's no way it took that long to get here. They may have dated just 5 days after my complaint, but they sent it well after that, just as the original arrived more than a week past its date. That means this company had plenty of time to pull the letter and just chose not to. Now, they and the Revdex.com are forcing me into discourse about this event, when all I asked was for them to leave me alone. They can pretend they're apologizing, yet a "sorry" followed by a "but" is an excuse, and as consumers we know it.
Regards,
[redacted]
Thank you again, Mrs. [redacted], for allowing us to address your issues with our direct mail campaigns. I am not sure why you have not received our response to your second complaint about receiving direct mail pieces. Our mailings are on a scheduled plan, with our vendor, to be sent on...
specific dates. It appears that the schedule did not allow us enough time, once we received your initial request, to have the vendor pull your mail from the project. Again, we apologize. Thank you for your feedback and alerting us about this matter.
Complaint: [redacted]
My apologies for not returning your call. May you please call back and speak to my office manager [redacted] about the complaint and she will be able to give you more information about the call and our issues with your method of advertising.
Regards,
[redacted]
We are researching the situation and will have a response for the Revdex.com to review before sending to our customer. We have not been directly contacted by the customer and hope to address this situation to everyone's satisfaction.Thank you.