Paramount Equity Mortgage

Review: Representative [redacted] refuses to stop calling, texting regarding a loan with Paramount Equity which I declined. Calls are made on Sundays, nights

Several months ago I applied for a rate quote with Paramounth Equity mortgage for a home loan. The rate quote and interest were too high for my liking so I declined their offer. Since then, I have been continually hounded and harassed by [redacted] and other employees of Paramount Equity, who refuse to stop calling, texting, leaving messages on both my home phone and cell phone. I estimate I have received about 40 or more messages and calls from Paramount Equity. I have even threatened to contact the police and report elder abuse and the calls and messages continue without abatement. Evidently, the company thinks they can coerce me into getting a loan by continual harassment and aggressive sales tactics. I have received calls from Paramount agents from the following phone numbers and others: 916=394-5858, 5864,5804,5831,etc. Desired Settlement: Please have Paramount Equity to quit contacting me, drop further attempts to investigate my credit or make any further loan offers or details by mail, phone, text, or any other method. Leave me alone.

Business

Response:

Initial Business Response

Our SVP of Sales Operations spoke with [redacted] on 12/4/2013, at which time he expressed our apologies for her experience, and told her that she have been added to our internal Do-Not-Call list. This conversation was followed up with an email confirming this conversation.

Final Consumer Response

(The consumer indicated he/she ACCEPTED the response from the business.)

I trust that the company will keep its word and stop contacting me about a home loan. Any further calls, emails or sms messages from them will result in further complaints.

Review: I closed two weeks ago and was guaranteed I would have my money within three days and everything I included would be paid within that time frame well I received my money almost two weeks after I signed and all my debts still haven't been paid I got a call from a credit card company saying I was negative on my credit report because I was advised not to pay anything and now I'm late on everything and my credit is taking a toll this company has been the absolute worst to deal with I can never get a truthful answer I called today to see why my funds haven't been sent out and the lady I spoke with said she didn't know why but she would work on this company doesn't deserve to be around they are ridiculous.Desired Settlement: Get my negative credit fixed

Business

Response:

Thanks again for the call. On this complaint, we are doing two things. First, we have been trying to reach Mr. [redacted] about the issue. [redacted], has been doing this. Before we can try and resolve the issue, we need to speak with the customer and get information from him on when things were paid off. This is not anything we can independently obtain. Once this is done, we will be contacting the escrow company that sent the checks to see where the disconnect happened and get resolution to the matter.

Review: I was misquoted about refunds I would be receiving and an amount that was added to my loan. Total damages total $5100.

My experience with Paramount Equity has been less than pleasant; I was consistently misquoted the amount of money I would be receiving through my initial refinance, which occured in Aug/Sept 2014. I was told I would receive $2200 refund from FHA insurance. When the loan came to close, I learned there would be no refund. I was then contacted 6 months later due to a new rate reduction being offered on the mortgage insurance premium I pay. I was told this was not a refinance and there would be no cost incurred by me. I was told I would be saving $105 per month in mortgage insurance monthly. I was also told that my interest rate would be reduced by .25% and so I would be saving around $65 there, totaling $170 in monthly savings. I was already not happy with my previous experience but since they already had all my previous paperwork on file, they said I would not have to send them anything. I was also told I would be receiving $1100 refund from my FHA. Then throughout the closing of this streamline, I was constantly contacted at the last minute and told I needed to submit this piece of information or paperwork to get my loan processed in time. It was very stressful. When the loan finally closed, I learned that there would be (again) no $1100 refund, I was not able to obtain a lower interest rate (so not saving anything there), and I was only saving $41 a month on my MIP! And to top that all off, an additional $1800 has been added to the amount of my loan through closing costs, which I was assured would not happen!!Desired Settlement: I would like the business to compensate me for both promised refunds, the first being $2200 and the second being $1100. I would also like to be resimbursed for the $1800 which was added to my loan total. This totals $5100 dollars.

Business

Response:

We also previously responded to this complaint on 6/18/2015.When the consumer refinanced her loan she understood that she would receive a refund on her Private Mortgage Insurance. This refund was applied as a credit to her loan amount. Although, it had been disclosed properly the consumer was expecting a refund check to be mailed to her. We also offered and sent her a refund check to her for the closing costs that had been added to her loan amount. To the best of our knowledge, this complaint has been satisfactorily resolved.

Review: I work for a company that was involved in a lien removal for a customer of Paramount Equity. Unfortunately, due to issues with the customer and our company we were unable to remove the lien in order for the loan to close. The loan officer began harassing myself and Executives at the company demanding the removal, continuously calling our personal cell phones, and personally insulting us. After several attempts to ask the loan officer to stop calling, a police report was filed and the loan officer was called and told to stop contacting the us on our personal cell phones. The loan officer did not stop, he called and harassed our customer service agents and eventually received the cell phone for the President of the Company, whom he continually called. This sort of harassment and unprofessional abuse of a position is uncalled for.We tried to contact the supervisor of the loan officer and no supervisor would take our call nor would the company acknowledge the employment of the loan officer. This behavior has no place in a professional business network. It should be punished and no longer tolerated.Desired Settlement: I would like to see the company reprimanded for allowing customer service such as this to continue. I would like to see the employee terminated.

Consumer

Response:

Consumer states that the business has reached out to her and the issues have been resolved.

Lower payments are promised and no cost loans, but when the final papers are drawn not only are the payments not lower, but there are a lot of fees built in. It took 3 months to process a refinance. I should of went somewhere else once it started in month two, but I was already out the appraisal. Now I am being told there is a shortage in my escrow which they supposedly built in the loan.

Review: I have received 8 calls today between 8am and 1:45pm from various companies claiming that I completed an application for loan modification.

The calls came from the following numbers: 775-345-3072 (twice), 623-207-1076, 702-706-0280, 866-269-9419, 313-545-0098, 702-706-0280, and 866-269-9419. The callers claim that I completed an application for a loan modification. That is untrue and my information is fraudulently being passed among these companies. One company claimed to be Loan Depot, another was Paramount Equity Mortgage, and another was from Secure Rights. I have also received 2 emails so far from two different companies. One of them was Loans5000.com.Desired Settlement: I want to know how my information was received by these companies and how I can delete my information from these companies' databases. The receipt of my information by these companies was fraudulent and must be stopped.

Business

Response:

We have searched our records and those of our sub-servicer, and neither of us have any record of having funded a loan or performed any loan servicing for this consumer. In addition, we do not proactively reach out to consumers to offer loan modifications. These programs would only be discussed when appropriate with our existing servicing customers.

Consumer

Response:

I am rejecting this response because: It is dishonest that this business does "not proactively reach out to consumers to offer loan modifications." It is accurate that I do not have a loan with this company. But, I did receive unsolicited calls offering loan modification.

Review: Paramount Equity Mortgage called a number on the national do not call list. On 10/30/14 claiming I filled out one of their forms. I did not & took their company name, number & address. This is not an A+ company. Rate them an F & fine them for this repeated abuse.Desired Settlement: Lowe the company rating to an F, fine them publicly & have them go on the news stating they are wrong & the amount of money they were forced to pay.

Consumer

Response:

My solution to this problem was to fix it & prevent it from happening again. This was through monetary fines, public embarrassment & a reduction in your grade for this company. What do you suggest to stop this company from violating the federal do not call list?

Review: Mortage specialist will not return phone calls or emails to find out the status of our loan Loan has been going on for over 3months.

Trying to refinance a Condo in Florida. This has taken over 3 months and still do not have a close date. They continue to ask for more documents and asking more questions. Now I can not get ahold of anyone. I have called multiple times, sent emails and still no response. This process started around 09/24/2013 and still waiting on whats going on. We have received a couple of Good Faith Estimates and the charge points continue to increase. I should be geeting this cheaper for dealing with incompentent people. This is the worst customer service experience I have ever delt with.Desired Settlement: I need to know if we are going to get this loan or not and what the closing date is or move on to another lendor who wants my business. I need an answer now.

Business

Response:

Just prior to the borrower signing loan documents, we learned that his property was a condo hotel and that he rented the property on a weekly basis. We were unaware of this information at the time the loan application was taken. Once we learned of this, we were unable to do this loan. We discussed this with [redacted], who is the brother/business partner of our actual loan applicant. While it was not the outcome he had wished for, he understood the reason we were unable to proceed. In fact, he has since referred us another individual seeking financing. We believe this complaint has been resolved to the satisfaction of Mr. [redacted].

Consumer

Response:

(The consumer indicated he/she DID NOT accept the response from the business.)

This is false. I did advise them that we rented the condo during ths summer months. Our condo is not a hotel/condo. In talking with the rep I gave them the HOA (Home Owners Association) for the condo and they told them it was not a condo/hotel. This still does not answer the customer service aspect in not returning phone calls or eamils that left me hanging for three months. And I had to keep calling them to find out whats going on with the loan. They kept telling me to pay the mortage for this month and not pay the next month because we should be closing the loan. This went on for 3 months.

Business

Response:

Our SVP of Sales Operations, [redacted], spoke with Mr. [redacted] and confirmed that he received all of his requested documents on January 13, 2014. He apologized for our lack of response to his phone calls during the back and forth process that occurred during the underwriting of his loan application, and the previously mentioned issues that arose. Unfortunately, we were unable to complete the loan for Mr. [redacted]. He indicated that he understood the reasons, and was appreciative for [redacted]’s follow-up and for the return of his documents.

Review: I was solicited by [redacted] from paramount equity on October of last year trying to lower my apr he gave my wife and I the royal run around and he was not able to do it then in January of these year I got a call from him he assured that now he would be able to do it do to price increasing I told him he already had my info on file my wife and I have been at our jobs for well over 20 years and our credit score in the mid 850 I was real firm with him not to run my credit and told him more than once two weeks go by he send some numbers to look at and he said he was sure he could get it done in order for him to get a pay off on a loan he does not need to run my credit is the mortgage company who he needed to talk to two more weeks go by then again he assured me it was going to work then he insisted on running credit again I agreed with the condtion that he was going to be able to put the loan docs together then he stopped answering my calls cause he knew I was going to get really upset with him I call the co direct and asked to speak to his supervisor and it was the next day he returned my call he should have not have run my credit since he had just run it three months prior I protect my credit and he could care less I don't appreciate being solicited and have some one pull wool over my eyes I am really angry with him and his tactics I managed a dealership in my home town and we never run credit on any body we let the banks do it or credit union I respect my clients and the need to do the same I am also seeking legal action againt him and his company they are a fraudDesired Settlement: they need to be exposed for what they are it its againts the law to run credit on any one he lied to me to get me to agreed that is frudulant

Consumer

Response:

I was lied on the phone when I was assured that everything was going as fallows it was later that I agreed to them pulling my credit when he send me the info on the 15 year loan and also send me a email telling me that I was able to get additional 300 discount because that was the special that they were having that raised a red flag I have my wife as a witness to my conversation with Andrew that I was firm with him no running my credit and the person that called me from there never said that he would get the appraisal mgr to come to my house that is a lie he said he would call another appraisal company I have proof of all of these they are not worthy of my business after sending my complaint to you I went on yelp and they are a lot of similar reviews to same that happened to me

Business

Response:

Paramount Equity Mortgage takes any complaint or concern on behalf of consumers seriously. When such a situation arises, we make every effort to ensure a satisfactory resolution for all parties. Unfortunately, in this situation we have been unable to reach such a resolution despite numerous phone calls and offers to Mr. [redacted]. As mentioned in our previous response, and contrary to Mr. [redacted]' claims, we pulled credit with both his knowledge and authorization. A copy of his March 7, 2014 email providing such authorization is attached to this response. We believe that we have taken every reasonable approach to find a mutual resolution to this complaint.

Consumer

Response:

I am mailing you all of the emails that I have beginning on sept 2013 when he gave me the royal run around I not that gifted with computer use so I am mailing you the info that I have including when he re solicited me by calling my home I should have known better any questions please call me at [redacted]

Business

Response:

As mentioned in our previous response of 4/25/2014, it appears that a resolution with Mr. [redacted] is not possible. His desired settlement as mentioned in his original complaint was based on his claim that Paramount Equity Mortgage had pulled his credit report without his knowledge and authorization. Contrary to Mr. [redacted]' claims (and as stated in our previous response) we pulled his credit with both his knowledge and his authorization. A copy of his March 7, 2014 email providing such authorization was attached to our previous response. Given that Mr. [redacted]' claims are without merit, we respectfully ask that this complaint be closed.

Review: Two months ago, I was contacted by Paramount Equity Mortgage Co. to refinance my house with a [redacted].loan at 3.66% in the amount of $156,000.My goal was to pay off a nagging $2100.00 credit card. I currently owe $148,000 on my home. I currently have a [redacted] loan at 3.50%. ** requires you pay off all debt. My need was $3500 to pay all debt.I was told the only cost to me was$1000 for title transfer plus $450 for home appraisal and $70 for pest inspection.I paid $520 out of pocket for appraisal & inspection.I'm borrowing $8000 to pay $4500 in expenses at a higher interest rate for 30 yrs.At closing they told me I would get a check in the amt. of $1400.the #'s don't add up. It't been nearly two mos.for this transaction.Too long for a refinance and way too much money.Yesterday I cancelled the transaction because it was taking way too long and the numbers were'nt adding and asked for a refund of $520. They refused. The misrepresented this loan. I feel they were defrauding me and abusing the ** system. I'm not getting back all money I'm entitled to.They swear it's a great deal. It is FOR THEM. to me it defies logic.Desired Settlement: They claim to be a five star business. They did not perform like one and they were ripping me off in the amount $2000. I want a refund of $520 I paid out of pocket and I want nothing more to do with them.

Business

Response:

As the customer stated, Mr. [redacted] spoke with the customer to understand the issues and come up with a resolution. The results of that phone call is that we are giving the customer the exact deal he agreed to when he signed disclosures up front and we made an exception to honor the original deal and do not require the additional documentation. This was all done within 24 hours. Mr [redacted] then requested a restructure of the loan to a lower loan amount and rate which is below what he is paying now. Mr. [redacted] in now was unwilling to discuss this, hung up the phone, and requested to not be contacted again. By severing lines of communication, and not wanting to move forward, we are unable to fulfill the loan per the terms of the original disclosures. Because of this, we are unable to refund his money as those are costs we incurred and we are able to offer Mr. [redacted] the loan at the original terms. Also, the customer has not been working with us for 2 months and we were still within the lock-in period we all agreed to when Mr. [redacted] spoke to Mr. [redacted].

Consumer

Response:

I am rejecting this response because I never asked for anything to be restructured!! Mr [redacted] said he would look into matter. I made it crystal clear during his origional call that the transaction was terminated. Mr. [redacted] interrupted me every time I tried to give my side of the story or explain any issues.

Business

Response:

While it appears there is a mis understanding as it relates to the restructuring of Mr. [redacted] loan, Mr. [redacted] did honor the original loan terms as outlined in the disclosures Mr. [redacted] signed. Because of this, and the fact that the services that were paid for up front were performed, we will not be refunding Mr. [redacted] his fees. This policy is clearly outlined in the attached Advanced Fee disclosure that Mr. [redacted] signed. We would be happy to complete the loan for Mr. [redacted] if he so chooses.

Consumer

Response:

I am rejecting this response because:You did no honor the origional terms. You wanted me to remortgage my home for $156,000 for 30 yrs. @3.625% to pay off a $2100 credit card debt. I currently $148,000 w/23 yrs. remaining @ 3.50%. I told you from the beginning it made no sense. So you wanted me to borrow $8000 to pay off a $2600 credit card debt and a $900 furniture bill with a $1000 title transfer fee . That was all it was supposed to cost me as I was told this by your loan officer [redacted]. Add up those numbers and it comes to $4500. I assumed I would get back $3500 at closing, not $1400 as quoted by your [redacted]. Your people deceived me in many ways. I will never do business with you and certainly won't be recommending to anyone else.

Review: These guys called and offered me a no cost refinance that ended up costing me quite a bit. Dont know how they can call and say they have an a+ rating with the Revdex.com when all I see is how they scam people. Always got different stories about fees and time lines and refunds. This business has a+ qualities. All they do is lie to people and take there money. I cant count how many lies I was told, and just to top it found out another lie today when I got a letter saying my loan had already been sold. They said they dont sale the loans and they finance them . Not even 30 days after closing. This is worst experience I have ever had with a mortgage company . They dont deserve an ratingDesired Settlement: Would not like them to be able to people they have a + rating with Revdex.com . Think they should be investigated on how many complaints I have now read them. Don't think it fair to prey on people. Lie to them and take there hard worked for money. They already robbed me dont let rob anyone else

Business

Response:

Review: This company has very aggressive marketing practice. They keep on calling, despite the fact we ask them multiple time not to call and remove my number from their list. Please help.Desired Settlement: Want reimbursement for cellphone usage from there unwanted call.

Business

Response:

We are in receipt of this complaint and will respond shortly.

Business

Response:

We are in receipt of this complaint and will respond shortly.

Business

Response:

After researching our phone records we have been unable to locate any information on this complaintant. Should we eventually, locate anything we will reach out to her. As for now, it does not appear that we made any attempts to call her.

Business

Response:

After researching our phone records we have been unable to locate any information on this complaintant. Should we eventually, locate anything we will reach out to her. As for now, it does not appear that we made any attempts to call her.

Review: On 11.13.2015 I called Paramount Equity inquiring about a home loan. After giving my information I was told that I was pre-approved. I signed a contract on a house on 12.1.2015. I was given the green light by mortgage specialist. He said everything was fine not to worry. Around 12.11.2015 problems started to arise. My credit is not perfect by far. There are some challenges. However, funding needed to be in place by 12.15.2015 or I would lose my deposit. On 12.15.2015 I was assured that everything was okay. That I can start preparing for my closing on 1.13.2016. Packing, notifying my landlord etc. On 12.18.2015 I received a call from said mortgage specialist and I was told that the loan will not go through.He wanted to know if I had anymore assets, he claimed that would help. He stated that he tried for 4 days every which way he could. He knew as of 12.15.2015 that I would lose my deposit. Instead of being honest with me I was lied to and lost my deposit anyway. Yes I had credit challenges, but he could have been forthcoming earlier so I would not lose my money. After further research it turned out that I would never have been approved. If he pulled a DU, I would have known that the day I applied on 11.13.2015. A DU is the first thing that should be done when trying to obtain a mortgage loan. It is required by the government.Desired Settlement: I would like Paroumount Equity to pay me the $1000.00 I lost. It was no fault of my own. I was assured that everything was fine over and over again.

Business

Response:

In reviewing the customers file, we did initially approve the customer, without a property, for an FHA Loan on 11/13. On 12/2, we received the customer purchase contract and started the final approval process. As part of that process, we went to obtain a case number certificate from FHA (a property is required to obtain this number) and it was declined by [redacted] as they flagged the customer as defaulting on a debt owned by the federal government. We attempted to find a solution with a conventional loan. However, the foreclosure on the credit report is an issue. There was no way for us to find out this information in advance and we did everything we could to help the customer. Unfortunately with the foreclosure on a federally owned loan, we could not help.

Review: I guess it's wise to research this company, before giving information. The last 2 complaints are very similar to my mine. July 2nd, received a call from a "[redacted]" from Paramount equity Mortgage. He took information, said he'd get back to me the following week. 3 weeks later I get a call from "[redacted]", she was fairly helpful, and tried. July 30th, we were going to close in August, told not to pay the mortgage.August; signed many papers, had to contact them 98% of the time,forcing communication, from them.We were late on mortgage, $50.00 late fee. There was one snag after another keeping us from closing. They helped find our deed it was filed in the wrong county but they said they checked with EVERY county,and couldn't find it. August 17th [redacted] blamed us for not having the right papers signed. We signed the papers she sent us, then the next few papers she sent, then we waited. We paid about $450.00 for an appraisal and waited 7-10 days to hear from them. On September 4th, we received a letter of denial in the mail. Sept. 11, [redacted] sent an email asking for more signatures. I replied asking about the denial, she said that we can proceed,to disregard the denial letter. Oct 7th we were told we are going to close, when we went over the #'s is when we found out it was an FHA not conventional, didn't know they switched it. Didn't know they had the wrong amount of money we want from our equity, meant we will delay closing for a week. Had to contact them again, was told supposedly [redacted] sent email stating repairs need to be completed,before closing. Friday Oct.16th I called [redacted],to file a complaint He said he will check in to it and call mon. Tues I left him a msg. He said he put an investigation ticket on the appraisal co, said they told him that we refused to do repairs on our home, not true!Said he'd fix it, hasn't been fixed. We were late on August, Sept, and October mtgs. Seems they blame others for their mistakes. Had to try to make long story short,sorry if not clear!Desired Settlement: Refund and/or explanation to credit companies, why were late. Contact the company and let them know our concerns, which are; 1- lack of and poor communication from their company to clients/customers.2- need to accept personal responsibilty for mistakes.3- share this with future potential customers.

Consumer

Response:

I want to share with the Revdex.com and the company that I have received a response and I appreciate the Paramount company for doing their best to fix the situation. They have offered to settle with what I have asked for and no further concern or complaint needs to be addressed. Thanks

Review: This company has been calling me (on my cell phone) over and over and over; each time insisting that my husband and I completed an application with them to refinance our mortgage. The first several times they called (multiple times a day), I did not answer it and let it go to voice-mail (but they never left a message); then I finally decided to answer to see what they wanted. I told them that we did not submit an application with them and had actually just completed refinancing our home with [redacted] (who our loan was initially with). They alleged that their system must have been backlogged and they were just calling because they had just gotten to our application. I reiterated to them that we had NEVER submitted an application with their company and requested that my phone number be removed. I was assured this would be done. This was on 09/08/2014.On 09/15/2014, I received another phone call saying they received our application, etc, etc. I told them they have already called and I asked to be removed from their system before and told them to remove my information immediately. I was reassured that this would be done. On 09/25/2014, to no surprise I got another phone call. I told them to stop calling me and to remove my number. He said that he would and I hung up in his face.These repeated phone calls are a nuisance; especially because they are repeatedly calling me while I am at work. They do not listen and keep ignoring my requests for the calls to stop!Desired Settlement: It's quite simple...STOP CALLING MY PHONE! Remove my phone number from your system!

Business

Response:

We are in receipt of this complaint, will acknowledge it to Ms. [redacted], and will respond within the requested timeframe.

Business

Response:

Review: High pressure sales tactics, promises not kept, and violated my privacy and request not to run my credit, then failed to make good as promised.

9/13 a sales rep ([redacted]) calls me. I told him that I did not qualify for a loan & why: I'm unemployed & kitchen has been gutted in prep for remodel, w/new cabinets in the living room.

He insisted that I could qualify using retirement savings and that the appraisal would be no problem. We had more conversations about it. I kept insisting I should wait until the kitchen was finished and I didn't want credit inquiries prior to that. I told him I had re-fi'd many times and used to sell real estate, and did not believe I would qualify.

When his supervisor, [redacted], confirmed that "the appraiser can look beyond the state of the remodel," and the lender would not care, and that the rules have changed regarding my income, I agree to submit paperwork, but ask they not run credit, because I did not believe they could do it.

9/27/13 & 10/1 [redacted] and [redacted] request documentation via e-mail.

10/2 I sent documents via e-mail to both with this notation, "Please do not run a credit report until I decide to go forward." [redacted] e-mailed to request my birth date, which I sent.

They never asked me for my SS# or my permission to run credit, but apparently got the info off my tax return. (My credit report was run on 10/3.)

10/3, I got an e-mail from [redacted]: "Congratulations on prequalifying for your new loan! You are now one step closer to saving money on your mortgage. My name is [redacted] and I will be assisting coordinating you with obtaining disclosures and locking your loan rate while they are still at historically low."

I believe we talked the same day, or the next day. [redacted] congratulated me, again, but, still not convinced that I would qualify, I told [redacted] my concerns, again. [redacted] agreed with me. Then I realized he had already run my credit.

All of the phone conversations were recorded by Paramount.

10/10, an e-mail from [redacted] made the refusal of a loan official, but in the meantime, I'm making calls to try and get the credit inquiry reversed. At some point in this process, one of them says they'll "have to listen to the tapes" of the conversations. I know I vocalized the desire not to ding my credit, as well as in writing, and I KNEW they "couldn't" run my credit without my permission. I call both [redacted] and [redacted] to complain and time passes as nothing happens, but my credit score goes down, reflecting the inquiry. Someone ([redacted] or [redacted]) encourages me to wait 30 days from the date of credit inquiry to see if it drops off. I start to take notes:

10/28 I called [redacted], again. Left VM.

11/1 I get [redacted], and he "goes to check" -- giving me the name of [redacted] and his phone number. My notes say "will take care of it" under his name.

11/19 I called again - my credit score has not improved. The credit was run on 10/3, more than 6 weeks earlier. I have a note that I spoke to [redacted].

11/19 [redacted] phone-tag. I leave him a message (Tuesday) to call me Thursday.

11/21 I called and left VM.

11/26 I got hold of [redacted] -- He says he'll put through a request to back out the inquiry and will let me know how and when.

12/2 I've heard nothing. My credit is still impacted. I call [redacted]--"he's going to see if there's something he can do" regarding getting me a loan, despite the kitchen--he seemed to think there might be something.

12/4 He left me a message to call.

12/5 I call him twice: once leaving a VM, and once leaving word with [redacted].

12/6 I left word with [redacted]

12/9 I left word, saying, "I'm not going to call again."

No response as of 12/16.

I had already told them that I had looked up their reputation on Revdex.com when I started this process and that this was my recourse if they could not do anything about correcting their error.

During these conversations I was told, repeatedly, that someone would be fired for making the claims they made to get me to apply ([redacted] was backed up by his supervisor, which would seem to indicate a bigger problem).Desired Settlement: There must be a way to correct an erroneous credit inquiry and have it backed out of the system. They need to do so before I go to the credit bureau.

Their "hold-music" touts their customer service guarantees--they might consider paying out in this case.

Somebody needs to take responsibility.

Business

Response:

Our SVP of Sales Operations, [redacted] has been in communication with [redacted] regarding her complaint. He has apologized for the confusion and for her frustrations with Paramount so far. In addition, he has personally taken over her loan file. During the course of the conversation, it became apparent that this is a challenging loan file due to a major remodel she has currently undertaken on her home. She was satisfied with [redacted]'s apology, and after discussing the actual impact on her credit from a single credit pull, she is no longer concerned about the credit inquiry mentioned in her complaint. We will continue to work closely with [redacted] in seeking a satisfactory completion of her loan

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

My complaint to Revdex.com produced a response from a SVP of Sales Operations on 12/19. He did a great job of apologizing. However, once again, he wanted to go through the file and see if there was anything he could put together for me, so that I would be happy. He was reluctant to take the trouble to back out the credit inquiry that was run against my wishes.

Loan officer helpful until my appraisal came in lower than expected. I didn't want to pull out cash because it would sky rocket my rates. I was ignored after [redacted] figured this out, I assume I was dropped because I never heard back from him. This was after I signed a conditional loan at a locked rate, had them pull my credit, submitted financial docs and paid for a $500 appraisal. I would never reccomend this company

We refied our mortgage with Paramount. We were not only assured verbally but informed in an email that we would be skipping our first 2 mortgage payments. As a matter of fact, that was the big selling point in the initial phone conversation that "with all other mortgage companies you skip only 1 but with us you'll skip 2" Of course, that turned out to be a lie! Then we were never told that we needed a cashiers check or money order for settlement until we were at the settlement table!

Review: Someone from your Colorado office keeps calling in a very creepy, stalkerish type manner. No messages are ever left, and should I be available to pick up the phone, you guys just hang up. This is very unprofessional for a company that is supposed to be conducting business in the Colorado area. My numbers are on the do not call list, but I am left feeling that you have found some kind of legal loophole to exploit to justify your calling. I find that to be utterly immoral and annoying. So much so that because of this behavior, I will never do any business with your company. A simple [redacted] search for the company name shows prior lawsuits for deceptive practices. The search results for the numbers used to make these creepy stalkerish outbound calls also shows numerous complaints similar to what I've went through. A company that wants to do business is behaving in a manner that is actually driving business away by pissing off its potential client base. Not only that, I've received calls after 8pm in the past. According to the FCC, you are NOT supposed to be calling after 8pm. Should I report you guys?Desired Settlement: Yes, no further contact by the business. Do not even think of selling or giving my number or info to any affiliates as you will then be violating the market affiliating rules that are governed by law. Delete my information from your database. Stop harassing people in my state as well!

Business

Response:

Mr. [redacted], You phone number has been added to our company "Do Not Call" list so you will not receive any more calls from Paramount Equity. Thank you for time and if you have any questions, please feel free to give me a call. Sincerely, [redacted]Chief Marketing Officer

Consumer

Response:

I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

I hope they can review the many complaints found simply by doing a [redacted] search and revise their outbound call policies.

Review: a man representing paramount equity mortgage contacted me via my cell phone asking for information concerning my property and current scenario on my existing home loan. I told him that I was already working with someone but he insisted that he could beat them on the interest rate and terms. I gave him some info but didn't provide my social security number or give him permission to look at my credit or do an inquiry hard or soft. when he asked me if I knew my current credit scores I started telling him what they were and before I could remember the high score he told me what it was. I let it go at the time but was consecutively contacted by his supervisor to try to further talk me in to taking out a loan with them. I told him that I was already following through on a personal loan as my equity wasn't high enough yet for cash out. he got a little angry and told me that it was stupid to take out a personal loan and that the comps went as high as $180,000 on a home comparable to mine in my city. I told him that I might be willing to do the loan if I could see the comp of $180,000. he said he would email me them but never did. then I got a denial letter in the mail. saying that my loan application was withdrawn for too many inquiries on my credit and they sent me my credit reports from all 3 credit agencies.Desired Settlement: I want this company to remove any and all inquiries or any other negative marks they have placed on any of my 3 credit reports

Business

Response:

Hi [redacted]