Please find another financial lending company to help you buy your home!!!!! I had to deal with very poor customer service with this companyOne representative wasso rude to me that we got into a verbal altercationWhen I filed my complaint with the Revdex.com, they told me my complaint couldn't go through because no money had been exchanged "yet"I was too far into buying my home, and the interest rate was locked in, so I couldn't go to another company without losing the progress in the long, painful home buying situation!
Just closed my loan with Miracle Financial and thanks to this company they made my children and I dreams come true. ... I have went 2 other banks and one other mortgage company and they made it seem totally impossible that I could even buy a house.
I seen the sign on the building while driving by and thought to myself it would be a Miracle if they could make my dream come true and sure enough they did ! They have amazing employees working for them and met the owner of the company and she was one of the nicest people you could ever meet. They made me and my children feel like family and I so much appreciative everything they did for us !! Thank you Miracle for all your help and understanding we are forever greatfull for your services !
Please find another financial lending company to help you buy your home!!!!! I had to deal with very poor customer service with this companyOne representative wasso rude to me that we got into a verbal altercationWhen I filed my complaint with the Revdex.com, they told me my complaint couldn't go through because no money had been exchanged "yet"I was too far into buying my home, and the interest rate was locked in, so I couldn't go to another company without losing the progress in the long, painful home buying situation!
I had the buyer of our home go through Miracle Financial per a recommendation from our realtor. It took Miracle Financial 6 months to get the deal through. I have 3 pages of documentation that can outline how many times they promised us we would close in the next week or two and this went on for 6 months. Be low is the dealing I had with them.
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miracle financial complaint.docx
Page 1 of 3
House contract financing with Miracle Financial
? [redacted] first met over the phone with Phil N[redacted] on 8/2/14. After reviewing everything with Phil
W[redacted] told Phil this would be closed by the end of August
? September was when the house was finally appraised (unsure of actual date
? No word was given on the appraisal for a couple of weeks.
? Once pressured in early October for the appraisal, we were told there were issues with the
appraisal and it did not go high enough. [redacted] felt like this could be appealed with the
appraiser. The reason for the low appraisal was due to Mr. N[redacted] changing this from a 3 bedroom
to a 2 bedroom home. He did this so he could enlarge his kitchen. [redacted] kept saying that it still
should have appraised higher so we would be fine. Just give him a little time.
? Mostly during the next couple of weeks there were a lot of verbal conversations and not much
was documented. At this point I was dealing with Tim Y[redacted] who got us in contact with Miracle
Financial. Tim was the one actually talking to [redacted] for me. [redacted] kept telling Tim to bear
with him as everything looked good he was just waiting for an answer on the appeal from the
appraiser.
? Finally on 10/15/14 after Tim kept pressuring [redacted] it was then suggested that they may not be
able to get the value of the home increased with only having 2 bedrooms. I then called Mr N**h
on that day and told him he had to restore the old bedroom. Mr. N[redacted] chose to add a bedroom
onto the house instead.
? On 11/3/14 I had enough with all of the promises I was hearing. I then got Tim to give me
[redacted]s phone number and I started dealing with him direct. On that day I left [redacted] 2 voice
mail messages and he did end up calling me back. [redacted] told me he was going to do everything
necessary to have this closed within the next week or at worst the week after. He then called
me back on the next day and told me he raised this up the ladder and asked his boss to place an
“Expedite” on this loan. He told me we will have this done within the next week.
? Also on 11/3/14 I sent [redacted] a photo copy of the permit being used to build the extra room.
[redacted] said this would be great for the appeal and he though the appraiser may accept this once
so much work is done. At this point the room was fully enclosed and finishing touches were
going on the room. The room was completely finished on 11/7/14 and was ready. [redacted] said he
would turn in the appeal and would let me know what he heard back within a few days. He told
me the appraiser had to re-appraise this within 72 hours or he would have to agree to turn this
over to another company.
? Beginning the week of 11/17/14 I started calling [redacted] on a daily basis asking for updates.
[redacted] would always tell me he was close and would get back with me in a couple of hours. On
one of the occasions he asked me if I was really hurting for the money. I was honest with him
and he said he was going to make this happen because he understood what this was like. At that
point I kept calling daily.
? On 12/5/15 Tim Y[redacted] told me he would contact [redacted]’s boss and inform her of everything
going on. He contacted me back on Monday 12/8/14 and assured me that he talked to her over
the weekend and that she would look into this and she would take this over.
Page 1 of 3
Page 2 of 3
? On 12/12/14 I spoke with Joyce after leaving a couple of messages. She said she had not fully
looked into all of the issue but assured me she would get this on track. Below is the e-mail
communication I had with laurie once Joyce had talked to Philip and myself. Philip had to re-
send almost all of his financial papers again. According to Joyce so much time had lapsed that
they had to re work everything.
? Joyce also informed me that [redacted] was trying to appeal the appraisal which was the wrong
thing to do. She said a new appraisal should have been done since the room was added. She did
agree to pay for this. This was then scheduled for 12/19/14.
Below is the e-mail communication regarding the files that needed to be set
Page 2 of 3
Page 3 of 3
? 12/19/14 appraisal was done. Within a couple of days Philip learned that the appraisal
met what it needed.
? 12/27/14 I spoke with Philip and he advised me that he had received a call from Miracle
financial and was told that they could not pull him up in a credit report. Philip stated he
was told by both Laurie and Joyce who was speaking in the background that all he had to
do was get a credit card and use it one time and it would automatically come up on a
report and we should be able to move forward then. I did call laurie and confirm this that
week.
? Philip immediately applied for the card and received it by 1/6/15. He used the card one
time and then called Laurie on 12/7/15 and left her a message. I also contacted laurie
regarding the same.
? Late in the afternoon Philip was contacted by Laurie and informed they could not pull his
information up. Philip contacted the credit card company and they said their report does
not generate until the 20th of the month.
? An e-mail was sent to Laurie asking if there was anything else that could be done. This
was done by John on Friday morning 1/9/15
? Called laurie on 1/20/15 and Laurie said Joyce did not want to run the report until 1/22/15
? Called laurie on 1/22/15 and she said the report had to run on Friday 1/23/15
? Finally on 1/23/15 the report ran. Then they wanted Phil to outline why so many inquiries
had been made on his credit report recently. Naturally this was due to his trying to get a
card so he could get the account to pop up.
? On 1/27/15 it looked like we were getting close on closing. I then received a request from
the title company asking for the payoff amount. I had given this to Miracle Financial but
they never sent that information to the title company.
? From that point forward it then took us all the way to Friday 2/9/15 to get the closing on
this deal. This was handled as a refinance so my money was not available until Friday
2/13/15
? On the day of the closing a surprise was given to the Mr. Nigh. He was then informed that
he owed money for the 2nd appraisal. This came as a surprise to both of us as Joyce had
previously told myself and Mr Nigh that she paid for the appraisal. Mr Nigh did agree and
paid the appraisal so it would not delay any longer. I do feel they cheated him on this
money. I called the next day and Laurie explained that Joyce meant to say she just paid
for it expecting mr Nigh to pay back at closing.
? On Friday 2/13/15 I received my check from the title company.. The person from the title
company said she was having a very hard time getting everything done that day. It was
late in the day when she finally received my money. She said this company had given her
several issues that day but she was not specific.
? I could not even begin to start adding up the losses we had due to all of these delays. I
truly feel as though Miracle Financial should be held accountable for the way they
handled this entire situation. I am requesting you investigate their office as I do not feel
as they are a fair company to deal with
John *. B[redacted]
** W [redacted] street [redacted], In 46173
765-[redacted] (cell)
Page 3 of 3
1 of 3
Displaying miracle financial complaint.docx.
Just closed my loan with Miracle Financial and thanks to this company they made my children and I dreams come true. ... I have went 2 other banks and one other mortgage company and they made it seem totally impossible that I could even buy a house.
I seen the sign on the building while driving by and thought to myself it would be a Miracle if they could make my dream come true and sure enough they did ! They have amazing employees working for them and met the owner of the company and she was one of the nicest people you could ever meet. They made me and my children feel like family and I so much appreciative everything they did for us !! Thank you Miracle for all your help and understanding we are forever greatfull for your services !