Greentree Financial Corporation

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID 12150328, and have determined that this proposed action would not resolve my complaint.? For your reference, details of the offer I reviewed appear below [Provide details of why you are not satisfied with this resolution.] Regards, We realize that no home is built with someone working ·on it dailyHowever, due to the mismanagement of sub-contractor scheduling by your construction manager, Stephen M [redacted] , our home went for weeks without any work being performed.The lack of timely construction witnessed by us can be validated by emails, photos and county inspectionsThe delays were not due to the size and complexity of this home as rm sure that this was not your first time constructing this model homeAlso, according to Todd A***, one of your construction managers who performed the walk through on our home stated that the longest amount of time that was taken to build this particular home was eleven monthsStephen M [redacted] was allowed to under perform the duties entrusted to him by you for months without intervention.Blame was placed on the county inspectors instead of your company taking responsibility/ownership for your lack of performanceAs you are aware, the majority of the.initial inspections on our home failed.On July 27, 2017,you were sent an email from us informing you that our lending institution would foreclose our loan if the construction on our home was not completed within a couple of weeksImmediately upon deliverance of this email, we received desperation calls and emails from both Stephen M [redacted] and Stephanie T***Stephen informed us that he would lose his job if our home did not get completedNever once did he offer an apologyAfter trying to contact Stephen for follow up, we received an email from him on August 29, stating that he is no longer employed by CVA Builders.On August 2017, CVA Builders was given weeks to complete our home, thanks to our request to provide an additional two weeksYou arrived to finish some of the construction needed to bring things to closureNever once did you speak or introduce yourself to usWe found out your identity through the subcontractors.You showed no remorse towards us for our home's incomplete stateYou appeared to be more absorbed by your possible loss of financial gain versus the customer's satisfaction.This is a breach of contractIf our end of the contract had not been met; you would have retained our down payment funds and then someIt seems only fair that you should refund what is due to usYour loss could have been much greater than the down payment and interest amounts that we are seeking for this breach if the construction loan would have been foreclosed by our the lending institution

We would like to address Mr [redacted] points and help with any confusion.? All customers are required to have their soil tested for a private septic system before we can begin construction (perk test).? The results of this test tell the land owner, and the builder how many bedrooms can be in the home, where the home can be built on the property, where the septic system can be installed on the property, and what type of septic system is appropriate for the property.? Mr [redacted] signed his contract on January 8, for a total of $184,349.00.? Please see Mr [redacted] original signed and dated contract.? ? You can see in his signed contract that:? there was not a $10,contingency fee, and only $5,was allotted for septic installation not “over $15,000” as Mr [redacted] states above.? We in fact used and paid his contractor William Green Enterprises, Inc $5,to do the septic installation as per the quote dated 9/4/? Mr [redacted] sent to us.? ? Mr [redacted] there was one addendum for $ for Site Work construction that was sent to Mr [redacted] only.? Please see the attached addendum.? Mr [redacted] was in fact he credited back money at construction closing due to site work allowances money not being used? ? ? At the closing all customers receive an Owner’s Invoice for the site work, as did Mr***.During the framing and roofing phase of construction, HVAC and plumbing stages of construction are also taking place.? Hole in the roof must be cut to allow for HVAC and Plumbing vents, then flashing to be installed before shingles can be placed.? The roofing materials are designed to get wet during this process.? If it does rain during this period, the roof is allowed to dry and then shingles are installed.? This is a part of any home construction process.? We are glad the Mr [redacted] and his family are enjoying their new home and love the layout of the house

The build time shown in the complaint shows only a portion of how the build time is calculatedHere is the full text from the contract:No home is built with someone working on it every dayDelays due to the items mentioned above are common in a home the size and complexity of this homeWhen the full definition of build time is applied the home was built within the time allotted.? We conducted a customer orientation of the home on September 9, and all items we were responsible for were completed by mid SeptemberOn October 6, all financial issues were resolved and final payment was made.? ? CVA Builders is responsible for the items they supply and installWe can not and do not accept responsibility for items? that are not part of the contract? and are? supplied and installed by the customerThank you Gene M [redacted]

Dear Ms***:We thank you for your business and thank you for letting us know of your complaintWe apologize for the customer service that you were givenWe strive and expect that our employees provide our customers with the best possible service, and when you feel that it fails to meet
your expectations, it’s important for us to know.We’re sorry that you received service that warranted you to contact us with a complaint, and we apologize for any inconvenience or frustration that this experience has caused youWe understand that when a problem with your home occurs, you need us to be here to listen and resolve your problems, not add to your frustrations.To ensure that our team conducts itself in a manner that reflects the utmost regard that we have for our customers, I have alerted the H.V.A.Cservice department and manager of your complaintI have discussed the employee’s actions with the employee and her direct supervisor and can assure you that this type of behavior will not be tolerated nor happen againThis is out of character and not how this employee or any of our team members are expected to act.Your business is very important to us and we hope that you’ll continue to give us opportunities to serve you in the future.We truly apologize for this unfortunate situationThank you again for bringing these matters to our attention.Sincerely,*** ***

We address all issues our homeowners have in accordance to our walk-through, 1-year Workmanship UrgentRequest, and 10-year Structural Warranty Our customers receive and review their Home Warranty Booklet at contract signing. Our building supervisor, and Warranty
Administrator have both been in contact with Mr*** multiple times throughout the year and completed their month Warranty request. Our Warranty does state that nail pops are common occurrences, explains how they are easily fixed by a homeowner and also detailshow to maintain your home after moving in We would be happy to address the work Mr*** briefly writes about and he says he found a replacement contractor to save $15,000. If he could please explain what part of the construction he is referring to, that would enable us to respond. Mr*** received an Owners’ Invoice at the end of construction which details a summary of payments. All of our customers receive this. We realize that owning a home involves maintenance that is new to some people, and it can be stressful. We fix any problem as quickly as possible as per our Warranty and encourage our customers to submit urgent Warranty requests if necessary. We want all of our new homeowners to have a great experience, and to have realistic expectations of home ownership. Please see the *** copy of our Home Warranty

Revdex.com:
I have reviewed the offer and/or 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
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
As per our conversation earlier he is a list of complaintsFrom the start of the project things were going wrongI did the survey perk and pulled permits to save moneyWe had signed the contract for with a contingency a bunch of things went wrongThey laid the house out on the plot wrong times and put in the construction driveway in wrong times I am sure I got charged for this but I have no idea due to the fact that they do not provide a itemized list of expenditures which I was asking for from the beginning then the well went in another problem more money was needed to the tune of I think never got a answer on that just had to deal with itThen the house was stating to go up the house was under roof but with no shingles just plywoodWell it rained for about a week never covered the roof which led to bows in the roof had to deal with that as wellInterior started to be finished and the drain field was going inAnother problem they wanted a little over to have the septic done we found a contractor to do it for big differenceIt was getting late in the year our current residence was being rented and we were about to be homelessAlso my wife was pregnant which made it more stressfulI believe we signed the contract in late February early March and finally got the keys on the rd of December the day after my daughter was bornStill was charged with no itemized list of bills and was given a worthless home warranty that covered nothingI have pictures and emails of everything from the entire projectThe sad thing is that we love the house we love the layout it is a cozy and very family oriented homeWe just wanted them to stand behind their product on a few items you figure they take you to max budget with no documentation I would have thought that they would have fixed a few thingThat's all I have I hope this helpsI would not recommend this company to anyone I have gotten better customer service from the dmv than from these people and the DMV is horrible if you would like emails and photos I will forward .*** ***

See attached

We would like to address Mr*** points and help with any
confusion.? All customers are required to have their soil tested for a
private septic system before we can begin construction (perk test).? The results of this test tell the land owner,
and the builder how many bedrooms can be in the home, where the home can be
built on the property, where the septic system can be installed on the
property, and what type of septic system is appropriate for the property.? Mr*** signed his contract on January 8, for a total
of $184,349.00.? Please see Mr*** original signed and dated contract.? ? You can see in his
signed contract that:? there was not a
$10,contingency fee, and only $5,was allotted for septic installation
not “over $15,000” as Mr*** states above.?
We in fact used and paid his contractor William Green Enterprises, Inc
$5,to do the septic installation as per the quote dated 9/4/? Mr*** sent to us.? ? Mr*** there was one addendum for $
for Site Work construction that was sent to Mr*** only.? Please see the attached addendum.? Mr*** was in fact he credited back money
at construction closing due to site work allowances money not being used? ? ? At the closing all customers receive an
Owner’s Invoice for the site work, as did Mr***.During the framing and roofing phase of construction, HVAC
and plumbing stages of construction are also taking place.? Hole in the roof must be cut to allow for
HVAC and Plumbing vents, then flashing to be installed before shingles can be
placed.? The roofing materials are
designed to get wet during this process.?
If it does rain during this period, the roof is allowed to dry and then
shingles are installed.? This is a
part of any home construction process.? We are glad the Mr*** and his family are enjoying their
new home and love the layout of the house

The build time shown in the complaint shows only a portion of how the build time is calculatedHere is the full text from the contract:No home is built with someone working on it every dayDelays due to the items mentioned above are common in a home the size and complexity of this homeWhen the
full definition of build time is applied the home was built within the time allotted.? We conducted a customer orientation of the home on September 9, and all items we were responsible for were completed by mid SeptemberOn October 6, all financial issues were resolved and final payment was made.? ? CVA Builders is responsible for the items they supply and installWe can not and do not accept responsibility for items? that are not part of the contract? and are? supplied and installed by the customerThank you Gene M***