Global Equity Finance Inc

To Whom It May Concern,Global Equity Finance made a good faith effort to extend credit to Ms. [redacted]. We were ultimately unable to refinance her loan according to her original preferred terms because the appraiser's opinion of value was inadequate to accommodate agency guidelines for the product....

We were able to provide an alternative option beneficial to Ms. [redacted], but she declined to accept, choosing rather to withdraw her application. With regard to costumer service: Once Ms. [redacted]'s dissatisfaction in this area came under the attention of Global Equity Finance management, every effort was made to accommodate her needs. Her case was assigned to a new licensed loan originator. The previous originator, it was determined, had not achieved Global Equity's high standards of customer service and was subsequently terminated. With regard to Ms. [redacted]'s Mortgage payments: The attached e-mail came to the attention of Global Equity Management on February 19th, a Sunday. Despite multiple attempts, her new MLO was not able to reach her until Tuesday the 21st, at which point she was advised clearly about the status of her application for financing; and directed to make her February mortgage payment to US Bank to avoid delinquency, as her loan would not be funding within the month of February. Ms. [redacted] advised at that time, that she would prefer to terminate her application. She did so prior to any delinquency on her payment to US Bank, and with clear direction from Global Equity Staff that this payment would need to be made to avoid an adverse credit event. Any delinquencies on her mortgage payment occurred after she withdrew her application.

Mr. [redacted],Thank you for reaching out.  It is impossible to pull a credit report without you providing us your SSI.  Perhaps there was a miscommunication there.  In the meantime, we will remove the inquiry with the bureaus and apologize for the inconvenience.Best regards,

Dear Mr. [redacted]:Thank you for inquiring to our loan programs.  As with any lending institution- we must qualify all our clients to our investors guidelines.   All representatives are trained to review and qualify clients to these guidelines depending upon the Loan Program that a borrower...

is interested in.  If you wish further details or wish to inquire about your credit information- please feel free to email [redacted] with your name and time of application.Best regards,[redacted]Global Equity Finance, Inc.

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 filed a complaint( [redacted]) on august 3 .I recieved a responce from the company that the matter was being taken care of . I also recieved a phone message stating the same . I returned the call and left a message to call me back if they needed to speak with me . Now ,september 10 more than 30. Days later. The problems are still unresolved. I hanot recieved any  further messages or e mails from this company. There are still outstanding late charges and one balance is still totally unpaid , not to mention what all this has done to mycredit score . In my initial complaint these among others.were requested from me to satisfy my complaints. I am at a complete loss as to what ishould do next, or how to prevent others from being taken advantage of by this company.THANK YOU ,[redacted]
Regards,
[redacted]

Mr. & Mrs. [redacted], Thank you for your response.  In this case it is a 'he said, she said' situation.  However, we prefer to error on the side of the customer in such a situation.  We will reimburse you for your appraisal fee as you are requesting.  Please be expecting a check within 7 - 14 days.

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.
Regards,
[redacted]
 Every thing that the company asked for I gave them they asked me to close a file for a student loan to the amount of $4000 I did not have $4000 at the time so I borrowed it from my brother I paid the student loan which cleared and now they want to see my brothers banking statements he has He has nothing to do with this loan it was a personal loan from him to me

Revdex.com:
While I appreciate the courteousness of the response it's simply not true. 
[redacted]

Mr. [redacted]: 1) I understand you feel that we forced you to do things.  But nothing could be further from the truth.  We did not 'force' a notary upon you. A recommendation was made and chosen.  You did not object. We also absorbed this fee for you because you complained about the notary.   2) We did not 'force' a title Company upon you. A recommendation was made and you accepted.  Our negotiated fees with this [redacted], a reputable and amazing Title Company, are much lower than an individual can typically negotiate on their own.  We do this as a service to our clients free of charge.  3) [redacted] was paid because this was the insurance Company you had at the time of closing.  If you have since changed your insurance Company- [redacted] will provide you a full refund of your premiums.  No one wants to 'take' money from you.

Date Sent: 5/1/2017 2:15:48 PMNo fee is ever collected or kept by Global Equity for the Customer's appraisal.  Per the Dodd Frank legislation, the third party Appraisal Management Company between Global Equity and the Appraiser collects the difference in fees. This is a required fee by Federal Law imposed on consumers by the Dodd Frank Act.   [redacted] E was terminated by GEQ during this time. The client was contacted by [redacted] M both by phone and e-mail immediately after [redacted] E. was let go. At this time the client advised [redacted] M that she wished to terminate her application.  Global Equity Finance made a good faith effort to extend credit to Ms. [redacted]. We were ultimately unable to refinance her loan according to her original preferred terms because the appraiser's opinion of value was inadequate to accommodate agency guidelines for the product. We were able to provide an alternative option beneficial to Ms. [redacted] – after some discussion she advised [redacted] M and [redacted] S (manager) of her intention to proceed with the loan application under new terms. With regard to Ms. [redacted]'s Mortgage payments: The attached e-mail came to the attention of Global Equity Management on February 19th, a Sunday. Despite multiple attempts, her new MLO was not able to reach her until Tuesday the 21st, at which point she was advised clearly about the status of her application for financing; and directed to make her February mortgage payment to US Bank to avoid delinquency, as her loan would not be funding within the month of February. Ms. [redacted] advised at that time, that she would prefer to terminate her application. She did so prior to any delinquency on her payment to US Bank, and with clear direction from Global Equity Staff that this payment would need to be made to avoid an adverse credit event. Any delinquencies on her mortgage payment occurred after she withdrew her application.   2. I signed all necessary paperwork by secured email and returned everything to [redacted]. He said the loan was complete and ready to go.See above.3. GEF also stated in their Revdex.com response that there was clear direction from them that the February payment would need to be made to avoid an adverse credit event. February was never delinquent, as I stated in an email message dated March 30, 2017, to [redacted]. He responded, "Great." The March mortgage payment was paid on March 30along with late charge.The clients March 2017 payment was reported 30 days late by her current creditor, US Bank. The client was advised multiple times leading up to this, by several GEQ staff members, that she must make her March payment to avoid derogatory credit impact. 4. [redacted] who replaced [redacted], stated that I could skip the April and May payments because this loan should be approved shortly. He denies this, saying that it was possible, not probable. He then informed me that the appraiser erroneously did the $550 appraisal (I paid) for a conventional appraisal, not FHA, so that needed a REDO but this appraiser refuses. Now they need to get a new appraiser...plus I needed to pay the April mortgage payment because of this delay.[redacted] first contacted the client in response to her initial complaint with the Revdex.com. She informed him that she would like to move forward with the application. He took pains to advise the borrower that although he was optimistic that the loan could close in April, it was possible that final approval would not be ready until May. The appraiser who completed the client’s initial appraisal report unexpectedly declined to provide an Conventional to FHA conversion to the report; causing an unforeseen delay. The client was advised of this right away, at which time she requested that her loan application be terminated. 5. I scrambled to get the March payment together. Now I need to pay for April, and I don't have the funds. GEF has destroyed my credit -- I've attempted to get financial loans and failed because I now have mortgage delinquencies on record. Loan app started Feb 2017 and has gone on till now, April 25, 2017. GEF should fix this--I'm unable to get credit now or refi, thanks to them.Global Equity Finance has not taken any steps or measures which have in anyway adversely impacted her Credit Rating. The borrower did not make her March 1st payment within 30 days of its due date, even though she was repeatedly advised that it needed to be made in order to avoid having a late payment reported by US Bank. Contrary to the client’s assertion, GEQ is able to provide the client with refinance funding. It is the client who terminated the application; it has not been declined by GEQ. If she has difficulty obtaining credit elsewhere because of delinquent mortgage payments, it is despite the best efforts of GEQ staff to communicate the urgency and necessity of making her mortgage payments on time.

I find it hard to believe that anyone who is as courteous and thoughtful in their reply would be malicious in their intent so I am dropping my case.  One final point you failed to mention that I was getting emails from your company as well- please be sure to remove me from that too. best, [redacted]

[redacted],Perhaps you are mistaking other Company's calling you as us?  As I mentioned before- your information was sold to a total of 5 different lending institutions by the Company I identified. I also followed up in our pipeline this morning to confirm that you are not on our DO NOT CONTACT list.  This was verified.It is not in our best interest to call anyone that is not interested in our product.  We do 0 cold calling here and only call clients that we have been instructed have filled out a form requesting information.  If this information is incorrect- then it was provided to us incorrectly by the Company I previously identified.  Unfortunately sometimes this happens.  We do our very best to only contact people asking to be contacted.If you have any further issues you are welcome to contact us- but you are already on our DO NOT CONTACT list.

[redacted],
If there is an outstanding issue please notify either your Loan Consultant Gunnar Cunningham or the Funding Manager [redacted].
We're happy to address these issues- however we need your help to identify the issue first.
I will have [redacted] give you a call again to help troubleshoot the issues you are having.  Her contact info is below:
[redacted] [redacted]Global Equity Finance, Inc. 4747 Morena Blvd, Suite 201San Diego, CA 92117 Toll Free: 800-245-3279 ex [redacted]Direct: [redacted] Fax: [redacted] 
Best regards,
[redacted]

Both the Compliance Manager and the Loan Consultant have been trying to reach you.  Please return their voicemail calls.
If there are outstanding issues- we are unable to resolve them without a returned call.  We need to know which debts you say have not been paid so that we can track the checks with the title Company and confirm their payment.
Without further clarification- it is impossible for us to help.  Customer care is extremely important to us.

At first I received a mailer concerning Global equity Finance. I was definitely intrigued by the prices that was on the flyer and totally thought why not. I called and got connected with a gentleman named Dave F (858) [redacted] He took down all my information my husband's information which for some reason I thought was extensive not ever doing this before. Not to mention I'm giving everything about me to a complete stranger. He did everything He did everything by email as well as phone conversations. This was convenient but very unfamiliar to me. We started in May and it continued on until July when we closed. We experienced a couple of hiccups with a VA loan refinance that set us back however, Dave was very patient informative and never once not answered my phone calls. Now if that's not dedication I don't know what it is! The whole time I was very skeptical of the process only because I have been in the past scammed as well as information that I've given to a company compromised my identity. I explained this to Dave he reassured me that nothing would go wrong that this is a fantastic company he gave me numerous reviews. He reassured me that he was in a reputable company that he was an amazing person with great reviews and there was nothing to worry about, he took his job very seriously and I appreciate every moment that he was patient with me. Every detail along the process was emailed to me he called me right after there was not a moment that I was in the dark I needed anything he was there. I believe truly that this was fantastic customer service. He kept his composure when I talk down about the process. I think Dave for everything that he did. It took a while to close on our part we had several things that we were missing in the VA processed and through in a VA loan it's a little time consuming. After we signed the paperwork we had the option to have a check or a wire transfer and lo and behold we chose check overnight UPS lost our paperwork we contacted Dave and he contact UPS as well as the title company and changed everything to a wire transfer. Once that happened we received the checks in the mail miraculously. Call Dave informed him and call the title company they corrected everything right away and we were able to cash our checks right away. For all the bumps and turns in this whole VA refinance loan process it has been exciting nerve-wracking and educational process. I just want to extend my thank you to Dave Freeman for everything that he had to put up with from me what a fantastic company. Everything was easy on his part and mine as well if there was not too many things that we needed to do. But overall a truly amazing experience thank you Global Equity Finance

Great company.Helped me get financing I needed when no one else would

Global equity, From first contact to final dealings was Extremely friendly and professional st all times. Very satisfied with this company and would use them again.

There is one thing I know for sure, The purchase of our home would not have happen if it were not for Alex M and Global Equity Finance.
Our purchase was more difficult than average due to many factors including the need to be creative in qualifying, the fact that we were on opposite sides of the country, we needed to add a cosigner part way through the process, we were out of the country for part of the process, and many other factors.
In spite of all of these things, Alex went above and beyond to make sure that all of these difficult elements were taken care of and that we were always informed. He was attentive, communicative, forthright, and followed through consistently.
We are very grateful and know that we would not be enjoying our wonderful home right now if it was not for Alex and his team at Global Equity Finance. We high recommend them to anyone looking to finance their home.

Revdex.com:While I appreciate the courteousness of the response it's simply not true. 
[redacted]

I had the most amazing, professional, experience with the folks at Global Equity Finance ever. From the first young woman I initially spoke to, until the process was completed, I had superb service. Evan N took over from the young man that started the loan process, but he made the transition seamless. Throughout the application process, every question, any concerns, including being just a bit nervous, all were put to rest by Evan. I am most grateful for his patience, integrity, experience, time and energy. I will recommend Global Equity Finance to ALL my friends & rate them highly.

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.
Regards,
[redacted]