rateGenius

Hi Mr***,I am writing in regards to your Revdex.com complaint # [redacted] that you submitted in December Based on your concerns, I understand that you are having an issue with your warrantyI am not sure what RateGenius has done to prompt the complaint, so I wanted to follwith youRateGenius does not provide warranty services directlyFrom our records, it looks like you contacted us on December 13th and our Product Assistant, [redacted] responded to youShe provided you with the phone number and reference number to speak with the company who provides your warrantyIf you were unable to reach them, please let us know and we can try to get a direct contact for youAgain, the number is ###-###-#### and your agreement number is [redacted] .Please let me know if there is anything further we can do to assist youThank you.Best regards, [redacted] PR & Content Marketing Manager

October 5, Mr [redacted] , I am in receipt of your Revdex.com complaint # [redacted] filed on September 28, On October 7, 2016, RateGenius Loan Services, Inc(“RateGenius”) assisted you with a transaction relating to your vehicle In connection with that transaction, you agreed to purchase a GAP product RateGenius offers a GAP Waiver Addendum on behalf of select providers, as stated in the documentation you received RateGenius does not offer a GAP Insurance product Purchasing the GAP Waiver Addendum was optional and not a requirement to fulfill the transaction The GAP forms were signed by you and returned to RateGenius, showing the acceptance of the product As outlined in those documents, the cancellation period to receive a refund on the GAP Waiver Addendum has expiredRateGenius appreciates the opportunity to serve you and all consumers If you need any further assistance on this matter, please contact me at ###-###-####Best regards, [redacted] ***

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

Dear Mr [redacted] ,This letter is being written with regards to the Revdex.com Complaint that was presented to our company on 12/24/(Case # [redacted] ).Thank you for bringing this matter to the attention of rateGeniusWe have looked into the situation and carefully reviewed it to make sure we address your concerns properly and completelyRateGenius provides borrowers with multiple quotes in order to get them the best deal on their auto refinanceYour loan officer discussed quotes from multiple lenders within the rateGenius network with you in email communications between December 21–23, When applicants submit their application through rateGenius, they must click a checkbox indicating that they allow rateGenius and its lenders to run their credit in order to determine creditworthinessApplications cannot be submitted unless this box is checked.As mentioned in the email from your loan officer on December 24, 2015, the credit bureaus allow up to seven pulls or days to have your credit shopped and only add one hard inquiry to your credit fileAny time someone pulls your credit, they have to report itThe pulls that have taken place for your auto refinance application with rateGenius will be condensed into one hard pull within days We thank you again for bringing this to our attention and we hope that the matter has been resolved adequatelyPlease do not hesitate to reach out to rateGenius should you have any other questions or concerns regarding your application.Best Regards, [redacted] ***

Hi ***,I am responding to your complaint # [redacted] submitted to the Revdex.comI wanted to respond and provide a bit more insight into the auto refinance process.You applied for an auto refinance through our partner Lending Tree's websiteFrom their website, you authorized them, and their affiliates, to access your credit report for reasons of establishing credit worthiness.After your loan application was received, all of your information was sent to rateGenius in hopes that we would be able to find a lender that fit your needsRateGenius Loan Services is one of the financing options offered through their serviceIn order to provide you with an accurate offer, it is necessary for us and our underwriting partners to review your consumer credit reportAgain, through the application process, you gave authorization to pull and review your credit report.Unfortunately, once your application gets to us, your credit has already been pulled and we are not able to remove this inquiry since the terms were accepted and this does not involve identity theft.Please do not hesitate to reach out to us should you have any additional questions, I am more than happy to help.Thank you, [redacted] PR & Content Marketing Manager

July 31, Mr***, I am in receipt of your follow up to the response I submitted on July 21, to your Revdex.com complaint # [redacted] As requested, RateGenius Loan Services, Inc(“RateGenius”) is diligently working with the Illinois Department of Motor Vehicles (“ILDMV”) to get the issue with your title resolved Due to the inaccurate mileage you provided in the application and an error made when the ILDMV issued the title, the process of securing the title has taken longer than expectedI apologize for any inconvenience that may have been caused during this process RateGenius appreciates the opportunity to serve you and all consumers If you need any further assistance on this matter, please contact me at ###-###-####Best regards, [redacted] ***

February 19, Ms [redacted] , I am responding to your complaint # [redacted] submitted to the Revdex.com RateGenius Loan Services, Inc(“RateGenius”) works with a network of over lenders nation-wide to help consumers find the most competitive interest rate to refinance their vehicles RateGenius partners with certain lenders to send out mailers to potential new customers Upon a receipt of a mailer you received from one of our lenders, RateGenius assisted you with the application to refinance your vehicle As part of that application, you authorized RateGenius and/or its lender network to retrieve your credit report for purposes of evaluating the creditworthiness of the loan request RateGenius appreciates the opportunity to serve you and all consumers If you need any further assistance on this matter, please contact me at ###-###-####Best regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because:Hello,I put up a similar dispute on Revdex.com Denver Colorado for fleet financial, Fleet Financial(iLendingDirect) has come forward to remove the credit inquiry from the credit reporting agenciesI would like to have a similar kind of resolution.Moreover lendingtree only gave me this disclosureThis page never says that I am never authorizing them or affiliates to pull my credit.https:// [redacted] Complaint ID at Revdex.com Denver, CO: [redacted] Regards, [redacted]

Dear Mr [redacted] ,This letter is being written in regards to the Revdex.com Complaint that was presented to our company on 11/18/(Case # [redacted] ).Thank you for bringing this matter to the attention of rateGeniusWe have looked into the situation and carefully reviewed it to make sure we address your concerns properly and completelyWhen you applied to refinance with Lending Tree on 11/15/2015, you authorized Lending Tree to share your application information with rateGeniusWe do not receive information from Lending Tree unless you give them permission to share your information with usWe have attached an image of the page where you would have opted in to have your information shared with us, as well as Lending Tree's disclosures links below.We thank you again for bringing this to our attention and we hope that the matter has been resolved adequatelyPlease do not hesitate to reach out to rateGenius should you have any other questions or concerns regarding your application.Best Regards, [redacted] Lending Tree Legal DisclosuresTerms of use: https://www.lendingtree.com/legal/terms-of-use?popup=true Privacy Policy: https://www.lendingtree.com/legal/privacy-policy?popup=true Communications: https://www.lendingtree.com/legal/network-lenders-consent?popup=true Auto Finance TCPA-Advertising Disclosures: https://www.lendingtree.com/legal/advertising-disclosures/

Complaint: [redacted] I am rejecting this response because: Apologizing do not resolve or take out the hard inquiries it was made on my credit report because you authorized them without my authorization Take Out the hard inquiries and this will be resolvedAlso I have received two more letters from Rate Genius stating I am pre qualified for auto refinance with you, really? I thought you said I didn't qualify Put your system and records together FIX THIS Regards, [redacted]

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

Dear ***,This letter is being written with regards to the Revdex.com Complaint that was presented to our company on 7/31/(Case # [redacted] ).Thank you for bringing this matter to our attentionWe have looked into your loan file and carefully reviewed it to see what caused the delay in fundingThe refinance process took longer than expected for a couple of different reasons The main applicant was not on the Title of the vehicle that was being refinancedIt was stressed to the customer that having 100% confirmation of who is listed on the Vehicle Title was very important for the documents to be set up correctlyWe were not made aware of this until we had drafted loan documents for the customerOnce we learned that the customer was not on the Title, we needed to have him added him to itWe contacted the customer on July 6th about this issueUpdated documents were sent back to the customer on July 9thA full set of documents was not necessary, so only a few Title pages were sent.When we received the documents back from the customer on July 13th, they were missing several signaturesWe noted which signatures were missing and returned the documents for completion the same dayWe received the completed documents with updated proof of income on July 15th and sent them to the lender.Upon receiving the documents, the loan was put in funding exception by the lender pending the unpaid $Title deposit and Title feeWe informed the customer of the increased Title fees and $Title depositThe State Title fee needed to process a Title change increased by $This additional $would have caused the interest to be increased by 0.25%We explained this to the customer and offered a couple options—either we add the additional Title fee to the financing and increase the rate by 0.25% or the customer can pay this additional $out of pocket and keep the same rateHe agreed to pay this amount out of pocketAs a courtesy to the customer, the cost of the GAP premium was discounted from $down to $300.We then informed the customer that he would have to re-sign some documents to account for the $down payment and reduced GAP cost, as these amounts need to be reflected on the contract pageAt this time, we gave him the option of re-contracting on the current date (July 24th), which would push back their 1st payment date another daysThe customer agreed to thisWe explained that if he didn't make his current payment, that was his decision to use his grace period and not our recommendationUltimately, he decided not to make the payment on timeBy refinancing with rateGenius, the customer's interest rate was reduced by approximately 3.65% and his monthly payment went down roughly $30/month, saving him approximately $3,over the life of his loanWe appreciate your patience and understanding in refinancing your auto loan with rateGenius and hope that this clears up and confusion or misunderstanding that may have taken placeThank you again for bringing this to our attention and please do not hesitate to contact us should you have any further questions

Hi [redacted] ,Thank you for your responseI completely understand the confusion and frustration and I genuinely apologize that this has happenedI have spoken with our Titles team and the decision has been made to waive the feeRateGenius will pay the state of Florida so that nothing will come out of your pocketAgain, I am so sorry for the inconvenience and any stress this may have causedPlease do not hesitate to reach out to me if you have any additional questions or concerns.Thank you, [redacted] PR & Content Marketing Manager

Complaint: [redacted] I am rejecting this response because:Rate Genius (???REALLY???) Did a hard pull on my credit report and based on that, made me an offerI agree to said offer and Rategenius sent me the paperwork to signNOT fill in and sign, just signTHEY filled in every blank required for the refinance and told me to SIGNI signed everywhere required and EXECUTED THE CONTRACT, then sent back to themThey called after receipt and informed me they wanted to send more paperwork and up the interest rateEither they are playing an illegal bait and switch or their name HIGHLY over-rates their capabilities Regards, [redacted]

Hi Mr [redacted] ,I am writing in response to your Revdex.com Complaint # [redacted] that was submitted in December I wanted to respond and provide a bit more insight into the auto refinance processYou applied for an auto refinance through one of our partner channels websites (Lending Tree)From their website, you authorized them, and their affiliates, to access your credit report for reasons of establishing credit worthiness for an auto refinanceOnce the credit is pulled, the application goes through the process of finding a lender that matches your needsWe were not able to stop the process as we were not the ones who originated your application.Please note that we are not able to force the bureaus to take any action, we are only able to provide them with the information you have given usYour application was sent to us by Lending Tree, therefore we are unable to request any inquiries be removed.Please let me know if you have any additional questions and I would be happy to help.Thank you, [redacted] PR & Content Marketing Manager

We appreciate the customer contacting us to review the problem and find a solutionUpon reviewing the information from the customer, we've found the customer was directed to the RG website to fulfill an applicationBefore a customer can submit an application the last page of the app states "I authorize rateGenius and/or its lenders to retrieve my credit report for the purpose of evaluating the credit worthiness of this loan request, and to service my loan if made, as outlined in rateGenius' Terms and Conditions." In order for the customer to finish submitting the refinance application, the customer must check the box to acknowledge they've read this statementBy checking his box, we pulled the customer's credit report and followed the Fair Credit Reporting Act

Hi ***,Thank you for submitting a reply to our complaint response.I wanted to address some of your concerns listed in your previous responseRateGenius is not the company who originated your applicationIf you applied through a third party, they sent your information directly to rateGenius in order to complete a loan refinanceI was not able to find your information in our system in order to provide screenshots of your application, but I would be happy to if you are able to email me your APP ID to [redacted] .Additionally, rateGenius has not decided that social security numbers are not required to submit a loan application, that is federal lawDuring the application process, there is an othat asks if you are aware that you are submitting an application for the purposes of obtaining creditOnce that is checked and the next page is loaded, and application is considered completeThe additional questions are used to narrow down information about your credit history.Also, the government does allow for consumers to shop around for the best rates without multiple inquiries affecting their credit reportThis means that you as a consumer are allowed to apply as many places as you like for a car or a house within daysTherefore if your credit was pulled by different companies for an auto refinance, your credit report will update to one single inquiry affecting your credit scoreI hope this helps to address some of your concerns, but again I am happy to speak with you directly if you would like further clarification.Thank you for your time[redacted] PR & Content Marketing Manager

July 3, 2017Mr [redacted] I am responding to your complaint # [redacted] submitted to the Revdex.com and hope to provide clarity on the credit pull in questionLast month, you submitted an online application through [redacted] .com As part of the application process, you agreed to allow [redacted] ’s channel partners to pull your credit in order to evaluate your applicationRateGenius is one [redacted] ’s channel partnersHowever, it should be noted that RateGenius only conducted a “soft pull” of your credit This is done so RateGenius can attempt to match consumers with a lender that will best suit their needs If a match is found, the application is submitted to that lender It is possible that the lender that received your application performed a “hard pull” of credit in order to make a final decision on your application A notice indicating the action on your application has been mailed out to your address on file The notice identifies any lender that may have pulled your creditRateGenius appreciates the opportunity to serve you and all consumers If you need any further assistance on this matter, please contact me at ###-###-####.Best regards, [redacted] ***

Hi [redacted] ,I am writing in response to your Revdex.com Complaint # [redacted] that was submitted on June 17, I am sorry to hear that you were not happy with our service and we apologize for any inconvenience you may have experiencedI wanted to respond and provide a bit more insight into the auto refinance processAccording to our records, you applied for an auto refinance through one of our partner channels websitesFrom their website, you authorized them, and their affiliates, to access your credit report for reasons of establishing credit worthinessAfter your loan application was submitted, all of your information was sent to rateGenius in hopes that we would be able to find a lender that fit your needsRateGenius Loan Services is one of the financing options offered through their serviceIn order to provide you with an accurate offer, it is necessary for us and our underwriting partners to review your consumer credit reportAgain, through the application process, you gave authorization to pull and review your credit reportUnfortunately, once your application gets to us, your credit has already been pulled and we are not able to remove this inquiry since it does not involve identity theftPlease do not hesitate to reach out to us should you have any additional questions, I am more than happy to help.Best regards, [redacted] PR & Content Marketing Manager

March 10, [redacted] ***Dear [redacted] ,This letter is being written with regards to the Revdex.com Complaint that was presented to our company on 2/17/(Case # [redacted] ).We have carefully reviewed your complaint and as a result, have reviewed our agreements with all of our business partners and any other 3rd partieswith which we workWe take our customers' privacy very seriously and strive to always protect your information from ever being usedfor any purpose other than that which you have applied for through our servicesIn accordance with state and federal privacy laws, we never sell ordisseminate our customers' personal information to any outside parties for other usesRateGenius also maintains language in our agreements with ourlenders and partners that assures that your information is only used in finding you a better refinance option for your auto loan.We apologize for any inconvenience that you have experienced as a result of these calls, but we have determined that it is merely coincidental that thosecalls began around the same time that you applied for an auto loan refinance with rateGeniusWe maintain that rateGenius has not, nor ever will, sell yourinformation or used it in any manner other than that which was agreed upon in your applicationThank you for your patience and consideration in this matter.Regards, [redacted]