rateGenius

Hi Mr [redacted] ,Thank you for your Revdex.com responseI am sorry that we were not able to offer a resolution that pleased you in this caseI did have our Business Development Manager contact you and he was able to confirm with our partner that you did accept the credit inquiry terms in the application flowAgain, I apologize for your frustration, but assure you that we ensure that each credit inquiry is accepted by the consumer before it is conductedIf you have any additional questions, please contact me directly at [redacted] .Thank you for your time[redacted] PR & Content Marketing Manager

January 19, 2018Mr [redacted] In response to your reply to the Revdex.com complaint # [redacted] , as previously mentioned, during the application process there was a clerical error resulting in a miscalculated interest rate The rate was not a rate available from any lender in the RateGenius lender network based on the application data Due to the fact that RateGenius could not match a lender with your refinance needs, the loan process was cancelled RateGenius is a web-based vehicle refinance loan broker RateGenius is not a lender and does not fund or service loansRateGenius appreciates the opportunity to serve you and all consumers If you would like RateGenius to assist you in your refinance needs in the future, please do not hesitate to give us a call.If you need any further assistance on this matter, please contact me at ###-###-####.Best regards, [redacted] ***

Hi Mr [redacted] ,I am responding to your complaint # [redacted] submitted to the Revdex.com.We are sorry to hear that you were unhappy with our serviceAs a broker, we are held to the limitations set by our lendersWe are sorry that we were unable to help you with your refinance, but we would be happy to try again in the futureI noticed that you spoke with **, our Loan Officer Manager regarding this situationIf you have any additional concerns, please let us know and we will try to help.Thank you, [redacted] PR & Content Marketing Manager

Hi ***,I am writing in response to your Revdex.com Complaint # [redacted] that was submitted in June I am sorry to hear that you were not happy with our service and we apologize for any inconvenience you may have experienced, but I wanted to respond and provide a bit more insight into the auto refinance process.You applied for an auto refinance through two 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 reportI have attached a screenshot of the disclosure that was presented to you during the application.Unfortunately, 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

Hi Mr***,I am writing in response to your Revdex.com Complaint #*** that was submitted in November I am so sorry to hear that you were not happy with our service and we apologize for any inconvenience you may have experienced.I apologize that you were not contacted back by
your loan officerI have made the management team aware of this and we are deeply sorry for the lack of follow-throughIn regards to your loan balance changing, you are correctYour loan balance did go up a little bit as your GAP policy was addedThis waiver protects you in the event of a total lossI have reviewed the documents that were sent to you and I show all of the amounts were listed and signedI would be happy to send these to you if you would like to email me at ***.Additionally, we do not charge any fees to our customers directlyTherefore, the only fees you were charged were membership fees for your new lender, GAP, and titling fees. Please let me know if you have any additional questions!Thank you,*** ***PR & Content Marketing Manager

Hi Mr***,I am writing in response to your Revdex.com Complaint #*** that was submitted in July I am sorry to hear that you were not happy with our service and we apologize for any inconvenience you may have experienced, but I wanted to respond and provide a bit more
insight into the auto refinance process.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 worthinessJust as a note, a full social security number is not required in order to pull credit in the United StatesAfter 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 reportUnfortunately, 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 theftPlease do not hesitate to reach out to us should you have any additional questions, I am more than happy to help.Best regards,*** ***PR & Content Marketing Manager

Complaint: ***
I am rejecting this response because: I have no additional questions, but I am not accepting your response You can check with managers that can tell you that your 3rd party vendor said that I accepted the response before running my credit, but I know what I did and did not do If you cannot remove my inquiry then this will not be resolved Other people need to know what kind of business you all run
Regards,
*** ***

Hi Mr***,I am writing in response to your Revdex.com Complaint #*** that was submitted in July I am sorry to hear that you were not happy with our service and we apologize for any inconvenience you may have experienced, but I wanted to respond and provide a bit more
insight into the auto refinance processIt looks like you submitted an application and we were unable to approve your loanWe generally reach out in 24-hours if we have an approval for you; however, for denials we are required by law to send you an email and letter in the mail called an 'Adverse Action Letter' letting you know that we were unable to find an offer for you. I apologize that we were not able to extend a loan to you at this time; however, I do show that we sent you an email letting you know that you were denied within a week of your application. Should you want to apply at a later time, we would be happy to assist youPlease let me know if you have any additional questions, I would be happy to help.Thank you,*** ***PR & Content Marketing Manager

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
Regards,
*** ***

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

March 19, 2015*** ***
** *** **
*** ** ***Dear *** ***,This letter is being written with regards to the Revdex.com Complaint that was presented to our company on 3/19/2015(Case #***).Thank you for bringing this matter to the attention of rateGeniusWe have looked
into the situation and carefully reviewed it to make sure every aspect is coveredUnfortunately rateGenius is unable to restore the customer's credit score as our records indicate you submitted your application online with *** ***. When submitting an application online with *** ***, the customer is required to put in their social security numberBefore hitting submit on the online application, the third bullet clearly states "You are providing Express Written Consent under the Fair Credit Reporting Act for *** ***, LLC, selected dealer(s) and/or up to five (5) partners with whom you are matched to obtain your consumer credit report information from your credit profile or other information from Contracted Credit Bureau(s) associated with your inquiry." Because rateGenius is a partner of *** ***, this is why the credit profile was pulled. As for the calls, our call records do not show any outgoing calls made to your listed number and our offices close at 8pm Central Time, so it is likely that the late calls you received were from another lender/partner with whom *** *** matched youWe do have record of receiving a Do Not Call list request for your number and have complied with keeping that on file and removing your phone number from any future communication.Again, we apologize for any inconvenience this may have caused youThank you for your patience and consideration in this matter.Regards,*** *** ***

Dear Ms***,I am writing in regards to your Revdex.com complaint #*** that you submitted in January We'd like to offer our sincere condolences to you on the recent loss of your husband and do not wish to complicate matters for you. In speaking to our Product Manager,
rateGenius was able to work with you and come to a resolution that was satisfactory to both partiesPlease let me know if there is anything else we can help you with at this time.Best regards,*** ***

Complaint: ***
I am rejecting this response because: this is unacceptable and causes my vehicle not to be eligible for refinancing, thus I am locked into my current interest rateIf this matter cannot be resolved, then I request that RateGenius finds a financial institution to refinance this current car loan to a lower interest rate
Regards,
*** ***

June 28, 2017Mr***I am responding to your complaint #*** submitted to the Revdex.com. Earlier this month, you submitted an online application with RateGenius. During the application process, with your permission, a credit inquiry was conducted. The
credit inquiry was done through a soft pull, which does not impact your credit score. A notice indicating the action on your application has been mailed out to your address on file.RateGenius strives to be consumer friendly in keeping our customers updated on their applications. We apologize that you did not receive a return call, as expected.If you need any further assistance on this matter, please contact me at ###-###-####.Best regards,*** ***

January 16, 2018Mr***I am in receipt of your Revdex.com complaint #*** filed on January 6, 2018.In December 2017, RateGenius Loan Services, Inc(“RateGenius”) assisted you with the refinancing of your vehicle. During the application process, there was a clerical error
resulting in a miscalculated interest rate. The rate was not a rate available from any lender in the RG lender network based on the application data After reaching out to you and explaining the situation, RateGenius offered to reimburse you the difference between the rate quoted and the actual rate available. You declined to accept the offer and the loan process was cancelled.RateGenius appreciates the opportunity to serve you and all consumers. If you would like RateGenius to assist you in your refinance needs in the future, please do not hesitate to give us a call.If you need any further assistance on this matter, please contact me at ###-###-####.Best regards,*** ***

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
Regards,
*** ***

Hi ***,I am writing in response to your Revdex.com Complaint #*** that was submitted in July I am sorry to hear that you were not happy with our service and we apologize for any inconvenience you may have experienced, but 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 websitesFrom their website, you authorized them, and their affiliates, to access your credit report for reasons of establishing credit worthinessPlease note that a social security number is not required to submit a credit application in the United StatesAfter 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 so we are not able to remove this inquiryThe application terms were accepted and is not a case of identity theftPlease do not hesitate to reach out to us should you have any additional questions, I am more than happy to help where possible.Thank you,*** ***PR & Content Marketing Manager

Hi Mr ***,I am writing in response to your Revdex.com Complaint #*** that was submitted in May I am sorry to hear that you were not happy with our service and we apologize for any inconvenience you may have experienced, but 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 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 reportI have attached a screenshot of the disclosure that was presented to you during the application.Unfortunately, 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,*** ***PR & Content Marketing Manager

Hi ***,I am responding to your complaint #*** submitted to the Revdex.com. On August 14, 2016, you submitted an application through *** ***’s websiteFrom their website, you authorized *** *** and their Network Partners to access your credit report for purposes of
evaluating your request. RateGenius Loan Services, Inc., dba RateGenius is one of *** ***’s Network Partners. As a result, RateGenius received the information you submitted and processed your request.Should you have any additional questions, you can contact our Customer Service Department at ###-###-####.Thank ou,RateGenius

Hi ***,I am writing in response to your Revdex.com Complaint #*** that was submitted in May I am sorry to hear that you were not happy with our serviceWe are sorry for any inconvenience you may have experienced, but 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 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 report. Unfortunately, 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,*** ***PR & Content Marketing Manager