Hi Tech Automotive

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.let me stop laughing---here is also a copy of email from MartyFrom: Marty [redacted]@royalunitedmortgage.com] Sent: Wednesday, December 10, 2014 7:28 AMTo: [redacted]Subject: RE: Marty @ Royal United Mortgage Good Morning, After speaking with my supervisor, I was told that this would be taken care of.  Taking an inquiry off your credit report will not show up for 30-60 days, which we will be coming up to shortly. Please let me make sure that there are no other issues and I will get back to you on this immediately. I have been prompt with you before, and I will continue to do so.Regards,[redacted]

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 believe I was mislead throughout the process.  Their policy and steps in which they do things are seriously flawed. I would never believe that a company such as this would order a appraisal of a property, charge people for the an overcharged appraisal and THEN CHECK CREDITIBILITY OF PROPOSED BORROWER.  After which all you get in response is this is our policy and blah blah blah.  Makes no sense why you would do credit verification LAST...  I see I am not the first person they have done this too.  I didn't really think they would care that I wrote to the Revdex.com.  They are a rich company and can do whatever they want to a little person with no money. It doesn't surprise me at all.  BEWARE OF THIS COMPANY!!!!!!!!!Regards,[redacted]

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. The have not removed all items for my self or my wife and we have further filed with State of Texas  investigators and will not considered closed until all items are removed from all bureaus for both myself and my wife.?Regards,[redacted]

Thank you for bringing this to our attention. We take all feedback seriously. Royal United Mortgage contacted Mr. [redacted] quickly after reading the complaint. We went over his loan together and why the loan was unable to be approved. Part of Royal United Mortgage’s sales and education process is to continuously update their clients on their loan status. Due to the public nature of the Revdex.com we are unable to upload any loan documentation or credit reports. Had the findings shown a different result, a different action would have been taken by Royal United Mortgage. Rest assured his comments will be shared with our training department to help improve our customer service.

We take all feedback seriously, thank you for bringing thisissue to our attention. The compliance department devoted many hours andcarefully listened to all correspondence between the loan advisor and theborrower. In the end it is the compliance department’s opinion that theborrower misunderstood...

the impact of the information conveyed to the loanadvisor which subsequently led to the ordering of the appraisal. It is also theopinion of the compliance department the loan advisor acted in the bestinterest of the client. Due to the Revdex.com being a public forum we are unable toupload any loan documentation or credit reports. Had the findings shown adifferent result, a different action would have been taken by Royal United Mortgage.

Royal United Mortgage takes customer satisfaction very seriously. So much so that we provide our customers with a complaint/ comment portal on our website. That portal goes directly to our Compliance department and is acted upon by our Vice President of Compliance. Often we will conduct follow up...

phone calls with individuals as a service/ courtesy to insure proper treatment and understanding but that policy typically does not happen when individuals request that we place them on do not call. Although DNC response is required within 30 days we typically take steps to remove individuals in a timely manner. In this case be assured that this customer has been placed on DNC and has been remove from solicitations. Respectfully, [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Please accept this response to your comments regarding excessive phone calls. First of all allow us to apologize for the number of phone calls and the timing of the attempts to reach you. Unlike a telemarketing firm Royal and many other online lending companies are required to respond quickly to...

leads provided by companies such as Lending Tree. Your information has been removed from our system and you have been placed on our company Do Not Call list. Because of the information provided in your complaint we are re-examining both the events and the internal process we follow to fulfill both client and lead provider satisfaction. Again please accept our sincere apology for the interaction with our company but be assured your comments will make us a better company. Royal United Mortgage LLC

Protection of the credit record of consumers is of the upmost importance to us. We appreciate Mr. [redacted] concern about obtaining credit information without his authorization and are having the phone conversations with him reviewed. Notice of our intent to pull credit is a standard in our client...

communication. We will respond with our findings upon review. Respectfully, Royal United Mortgage.

Royal United has worked on this file since the notice provided in the original complaint to the Revdex.com dated January 6, 2015. A request was sent to the credit bureau to remove the inquiries after it investigated the events of the file. On 2/5/2015 the credit bureau completed its work with the three repositories and had the inquiries changed so that they would not be reflected when credit is pulled in the future. Additionally, assuming the borrower continued to pay on his credit as agreed, the removal of the inquiries also eliminated the negative impact on the credit score and it reflects credit scores as though the inquiry did not take place. Respectfully submitted, Royal United Mortgage LLC

Royal United Mortgage would like to apologize for the experience outlined in the complaint. We will be listening to the phone calls and take appropriate action to improve our customer experience.  The information provided in the inquiry has now been blocked from all future contact to insure the...

phone calls cease. Again, we apologize for the experience and will use your comments to make us a better company.Respectfully, Royal United Mortgage