RANLife, Inc.

We have sent the refund to the clients cardIt will take 1-business days to process

Complaint: ***
I am rejecting this response because: I love how they pass the buck, you suggested him, then admitted to me in one of your messages, which I have that the inspector didn't do all he could of to check everything, we were rushed into signing, like I said the higher proper Officals who is very interested in this case, and How Ranlife reacts, guess we know pass the buck , shoot blame elsewhere, spouting things, we aren't going away, do not let them have a high grade, they deserve a D- for us Cant believe they lie , I have enough evidence from recorded phone calls, and falsified paperwork, and phone messages to help us winso
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
They have graciously offered to pay my overdrawn fees in the amount of $50, accumulated due to miscommunications. I spoke with Adam H*** from Ranlife, we have agreed this solution by phone
Sincerely,
*** ***

We have reached out to the client again and are in the process of resolving this issue

Complaint: ***I am rejecting this response because:
The email document that was attached was dated December 24th It doesn't mention six months reserve at allIn a previous response, Ranlife claimed that the six months reserve was requested on March There is an OBVIOUS discrepancy and deception in their statements about the DATE it was communicated to me. There was never any verbal request about six months reserveThey always asked me for conditions through written emailsI was even told I was approved but I only need to show two months or rent checks copiesI have an email saying that and I will post it later when I retrieve itRanlife, by their negligence, cost me $of financial damage, and it is a fact they cannot deny it
At this time if Revdex.com doesn't resolve this issue and if I don't receive my $back as a refund and a settlement, It is time to take it further by submitting a complaint (Lawsuit) with the COURT and I will claim attorney"s Fees too and loss from missing work, beside filing other complains with various Federal and State authorities
Sincerely,Khalid C***

The client has an issue with an employee of our sister
company RANLife Real EstateThis is not a complaint against RANLife Home
loansDue to the fact that she is also a client of RANLife Home Loans we are
going to reach out to her and resolve the issue
Adam
H***###-###-####

We have been in communication with the client and offered a loan with better closing cost and the same rate as the loan that was originally offered to her several months agoWe have informed the client that we are not willing to pay for her roof repairs but they can be included in the loanTotal closing cost including taxes and insurance on the new deal are $6,This is $1,lower than the original deal that we were not able to close last year when the roof was repairedThe client is currently reviewing this offer

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

We have worked with MrC*** on several transactions over
the past few yearsThis transaction was for an investment property in which Mr
C*** desired to increase his loan amount and take cash out using the equity
in his homeThis type of loan always requires proof of reservesThe
underwriter
on the file listed this as a condition in March when the file was first sent to
be underwrittenThe delays were due to issues with the condition of the
propertyThe statement that we did not ask is for proof of reserves to approve
the loan is not trueHowever, since we have done business in the past with Mr
C*** we have offered to refund him the money spent on the appraisal if he
would consider this issue resolvedWe have also offered to close his loan as
soon as he can provide proof of funds to meet the reserve requirements

I was contacted by email from *** *** on
Monday April 4th explaining some of her frustrations in working
with one of our agents Todd W***I replied
to *** after speaking with Todd
on April 5th and requested to speak with her more about the
situationShe emailed me back later that day and told me to contact her
husband *** about the situation because she was working and didn’t have time
to speak about her situationI reached out to *** on April 6th and
he had no idea of any complaint his wife hadTodd, the agent on our office
working on this, had explained to me earlier that he was having a difficult
time with this because the husband and wife were not on the same page about
selling the homeAs I spoke with *** he explained to me that he was
frustrated about the whole home selling/buying process and that for now he just
wanted to be doneWe gave the client advice to back out of their purchase
contract to protect their earnest money, but the client chose to take risk and
lost their $When I talked to *** he suggested that I email
back to *** and have her call me directly if she wanted to talk about
thingsThis is due to the fact that he had no idea what she was complaining about
I reached back out to her by email and haven’t heard a thing. Todd has been working with these people
daily and kept in very close contact with both of them and has worked very hard
to facilitate a successful sale and purchase for themUnderstandably they are
frustrated as is Todd that two contracts have failed because buyers have backed
outThe sellers are trying to blame Todd for this because they don’t
understand the processI can go into more detail but this is the main pointI
will try to reach out again but at this point the client seems more interested
in complaints then resolving any issues. Britt S***
Broker at RANLife

We will reach out to the client again to resolve
the issue. We will provide the Revdex.com the
results of this

We have attached both an email and a note from the processor on the file that show us requesting information on a settlement from a car crashWe were told the settlement was for $*** which would more than cover the requirement for months of reserves neededWe were never provided this informationWe also requested bank statements several times which were never provided.Much of our communication is by phoneA conversation explaining why we needed to document the $*** settlement would have been a phone conversation not an email conversationIf MrC*** had no idea that we needed to document reserves then I would think he would ask the question as to why we were trying to document his settlement funds on a transaction where there was to be no money brought to closingIt is also important to mention that the loan officer involved on this file has helped MrC*** close on two other files and has a great track record with our companyIt would be very out of character for this loan officer not to have a conversation with a client about reserves required on an investment property.We would like to have this complaint closed as we have proven that MrC*** was aware as early as January that bank statements and documentation of his $*** settlement were needed to close the file (these items would have fulfilled the reserve requirement)At this point RANLife does not feel that any money is owed to MrC*** and we are retracting our offer to reimburse for the appraisal

RANLife does not have record of a pre approval for this client. In the complaint she talks of another lender. I am assuming she has gotten some conversations mixed up. She also talks about moving to Florida and Arizona. If the client would like to get preapproved in FL or AZ on a USDA loan we would...

love to help her, she ca call 800-461-4152.

This is a response tot he complaint by [redacted]. Our agent Jeff B[redacted] worked with this family extensively to find a home. After the sale closed the buyers made Jeff aware of a window that the sellers had agreed to fix prior to the sale was still a problem. The sellers have been somewhat slow...

to respond but agreeable to fixing the window. The buyers believe the window issue is coming from a leak in the swamp cooler. We have worked with the listing agent and the sellers to find a solution to this problem. The sellers are unwilling at this point to fix the swamp cooler which has upset the buyers. The buyer has constantly stopped by our office and has called the seller, Jeff and Britt S[redacted] the broker non stop to complain. We have done everything in our power to help this situation but the buyers are not satisfied. This transaction has been handled professionally and smoothly until a month after the buyer moved in and started complaining. We are limited with what we can do at this point as the sale has been completed for a few months now. The listing agent has been very responsive and we have advised the buyers of their options at this point. This is extremely frustrating for us because we have bent over backwards to do what we can do to help. We got the buyers and seller in communication with each other and they need to take it from there. If the buyers still have a problem we have advised them to consult an attorney. It is our belief that the sellers fixed what they agreed to and just because the buyers are frustrated they cannot turn on everyone who has tried to help them to this point. RANLife has gone above and beyond to help in this situation.

We have reached out to the client to resolve this issue.

We are currently working with the client to resolve this issue.

Complaint: [redacted]
I am rejecting this response because:I never received his email response not sure why it may be in my work spam but if he was so dead set on speaking to me why didn't he call me on my number?? it should be on file as we have a loan with them and Todd and Shala have both called me on it! When he spoke to [redacted] I was sitting in the same room so I know what [redacted] said and it wasn't that he didn't know of any complaints he said he didn't know the detail of the laws and default of contract that I had researched and if he wanted more information about what I found he needed to contact me, the fact that they are trying to use [redacted] and I against either other saying we were never on the same page and [redacted] is basically clueless is ridiculous and a code of ethics issue! [redacted] is done because it seems every call our words get turned around and nothing gets done, kinda like our ceiling that was damaged in March and still nothing,  you can only take so much before you get to irritated and at that point say things you will regret which is the case, I am at that point as well! We were never notified or explained of our earnest money being in jeopardy at any point and when were were told anything on our earnest money it was that it was to late and our agent wanted more earnest money to keep the other property to which we said no because hes the one that STILL didn't do the clause about selling our house first so that doesn't make any sense but then again that's been the issue the whole time,  this whole process was so confusing as we were never really given guidance or advice on ANYTHING we just went along with it because we thought Todd knew what he was doing and he seemed like a cool guy! Obviously this isn't going to get resolved and I have been advised to take other avenues but I hope list of things done wrong in our contract/process that I sent to Britt S[redacted] on 4-12-16 (in response to his email), it gets fixed so it doesn't happen to anyone else in the future! 
Sincerely,
[redacted]

Ranlife Inc NEVER advised me to have six months reserve as they claimed . There was NO Underwriter request of six months reserve on March 2015. They requested it at the last minute after I wasted all the money to satisfy the appraiser condition. I would like to see that Six month reserve Email request by the underwriter if they have it. There is NONE. I have documented all the requests and I checked all my emails twice. Please have them provide me with PROOF of requesting that six month reserve on MARCH 2015.
If I knew they will deny my loan, I will never do repairs to satisfy the appraiser condition at this time. their negligence cost me $6000. So I still want them to pay me back the $6000 and ii will close all other complaint started with California  and Utah General Attorney, and the Federal Consumer protection agencies.
 
Complaint: [redacted]I am rejecting this response because:Sincerely,Khalid C[redacted]

Complaint: [redacted]
I am rejecting this response because: RANlife is trying to add approx. 18000 to refinance on an $8500 roof. This amount seems absurd to me. There is no contract with the roofing company and this just seems very shady...

and does not seem to add up. There is a long train of emails from Scott J[redacted], Manager of Ranlife  saying why they can not cover the cost of the interest on the roof that has been added and I also think they should be in charge of closing costs and the appraisals that have been done. If not for them, we would not be in the current situation that we are presently. With the refinance they are trying to get me, my monthly payment goes up over 100 a month. that is an extra 1200 a year. Scott tells me that it is not RANlife's problem that my appraisal came in lower than they were expecting, but in the same turn around, it is not my fault that they did not do their job properly when this all started.
Sincerely,
[redacted]

The inspector the buyers hired is an independent party.  RANLife is not responsible for the condition of the property, the inspection report or the buyers acceptance of the inspection report prior to closing on the transaction.  All items on the purchase agreement, which the buyers and sellers are contractually obligated to, were complete satisfactorily prior to closing.