rateGenius

April 8, 2015*** *** *** *** *** ** *** ** ***Dear *** ***,This letter is being written with regards to the Revdex.com Complaint that was presented to our company on 4/2/(Case #***).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 completelyWe appreciate your patience while we attempted to find you a lower rate on your auto loanOne of the stipulations required by the lender was that there be an insurance policy in your name that lists you as insured, which is a standard requirement for most auto loans.The lender we had matched you with ultimately declined the application due to issues that have been disclosed to you over the phone as well as in writing (we are unable to go into details about the reasons for being declined in this public letter due to the private nature of your application)Unfortunately, we did not know the lender would decline the application at the time that you opened the new insurance policyIt is my understandingthat one of our supervisors has reached out to you to pinpoint the exact amount that was spent on the new policy and will be issuing you a refund for that amount as a courtesy to you.Again, we apologize for any inconvenience this may have caused you and hope that in the future we may be able to better earn your businessThank you for your patience and consideration in this matter.Regards,*** *** ***

Complaint: ***
I am rejecting this response because: I already spoke with a manager that "explained" the process on how they get their data The manager asked for my phone number, which I gave and never heard back What I need is not details on how the system gathers data, but action on removing a credit inquiry that was pulled without my consent (which I have communicated numerous times) It isn't that hard, all you have to do is send mail explaining it was done in error You not doing this basically means you are justifying illegal credit pulls, and that you are not in the wrong, which you are
Regards,
*** ***

February 28, I am responding to your follow up to Revdex.com complaint #***RateGenius strives to provide our customers with excellent service. We apologize for any confusion that may have occurred during your application 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, *** ***

September 11, Ms*** I am in receipt of your Revdex.com complaint #filed on September 4, In August 2017, you reached out to RateGenius Loan Services, Inc(“RateGenius”) inquiring about refinancing your vehicle. Because we were unable to reach you to
complete the process, a routine message was sent regarding the status of your inquiryAt your request, on Tuesday, September 5, 2017, another loan officer reached out to assist you with the refinance. Again, numerous attempts to contact you were unanswered. If you would like RateGenius to assist you in your refinance needs, please do not hesitate to respond to the loan officer that contacted you last week or give me a call directlyRateGenius appreciates the opportunity to serve you and all consumers If you need any further assistance on this matter, please contact me at ###-###-####Best regards, *** ***

I would like to close this complaint as resolvedRateGenius took care of my issue Thank you, *** ***

Complaint: ***
I am rejecting this response because:
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 meyour financial settlement is satisfactory to me
Regards,
*** ***

Hi Mrs. [redacted],I am writing in response to your Revdex.com Complaint #[redacted] that was submitted on April 26, 2016. I am so sorry to hear that you had a less than perfect experience with our service. I have spoken with our Insurance team and I have been assured that your mileage was...

updated and that the service was approved. Therefore, you should have been able to utilize your vehicle service contract that you purchased. As a note, since we work as a broker and do not have access to your vehicle or vehicle records, we have to go by the mileage we are given by our customers. This mix up seems to be the reason why there was a delay in using your warranty. Again, I apologize that you had so much trouble in the beginning, but you should have been able to proceed last week. Please let me know if that is not the case or if there is anything else we can do to assist you. Thank you for your time and patience,[redacted]PR & Content Marketing Manager

Complaint: [redacted]
I am rejecting this response because:I did not authorize the origination of a credit application. 
Regards,
[redacted] Herndon

Hi Mr. [redacted],   I am writing about your complaint #[redacted] that was submitted to the Revdex.com in November.   After reviewing your concerns, I responded to you via email regarding your GAP refund and included screenshots of your signed contract showing that refunds are...

only given within 60 days of contract.    I understand that you wrote to the Credit Union directly and received no response. Again, I apologize for that oversight. However, you emailed them 90 days past the date of contract, meaning that the policy was no longer eligible for a refund.   As stated, this contracts are underwritten through a third-party, and therefore RateGenius is not able to issue a refund past the contracted date. For your convenience, I have attached a copy of the contract for your records.    Please let me know if you have any additional questions.   [redacted] PR & Content Marketing Manager

[redacted],We apologize for any inconvenience this issue has caused.  Our records show that on November 28, 2014, you submitted an application with Lending Tree to receive auto refinance offers from up to 5 of their partners.  Our company, rateGenius, is a partner of Lending Tree and...

thus we received your personal information in order to find you a competitive rate with our network of lenders.  On the Lending Tree website, there is a section of the application that requires your Social Security Number.  That page contains the following text, "You are providing Express "Written" Consent under the Fair Credit Report Act for LendingTree, LLC, selected dealer(s), and/or up to five (5) partners (see link below) 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."https://www.lendingtree.com/legal/partner-listAgain, we apologize if this was not your intent or has caused any inconvenience, but we would still very much like to earn your business.  Alternatively, we can add you to a "block" list so that we will never again process an application from you.Best Regards,[redacted]RateGenius, Inc.###-###-####

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.
The complaint has been resolved to my satisfaction.Regards,
[redacted]

November 22, 2017 I am responding to your complaint #[redacted] submitted to the Revdex.com.  RateGenius Loan Services, Inc. (“RateGenius”) works with a network of over 150 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.  The information contained in that mailer is provided to RateGenius by the partner lender.  Once an application is submitted online through the website noted on the mailer, RateGenius attempts to match the vehicle provided in that application with that particular lender.  We apologize for any confusion.  The primary decision regarding your application was based on the value of the vehicle.  A notice indicating the action on your application has been mailed out to your address on file.  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]

July 3, 2017Mr. [redacted]I am responding to your complaint #[redacted]9 submitted to the Revdex.com and hope to provide clarity on the credit pull in question. Last 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 application. RateGenius is one [redacted]’s channel partners. However, 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 credit. 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: the employee purposely made it seem that if I don't contact him he will hurt my credit.   Leave me an email address I can forward the email to
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]

February 19, 2018 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 150 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: I did not authorize anyone to run my credit and I will seek legal action as a next step. 
Regards,
[redacted]

March 30, 2015[redacted]
[redacted]Dear [redacted],This letter is being written with regards to the Revdex.com Complaint that was presented to our company on 2/2/2015 (Case #[redacted]).We thank you for taking the time to respond to us regarding this complaint. We have gone back and reviewed all documentation as well as listenedto all the recorded conversations from your transaction. Unfortunately we cannot find an instance where our representative stated that the credit inquirywould not affect your score. We apologize if there was any confusion that arose from that.The reasons that you and your daughter's (as joint applicant) application was declined are outlined in the Adverse Action Notice that was emailed to youper the guidelines of the FACT Act. Unfortunately the information in that notice is private and confidential and we are not able to post that here, but weare more than willing to re-send the Adverse Action Notice to you again if you'd like to review it again.Again, we apologize for any confusion or inconvenience this may have caused and that we were unable to assist you at this time. We hope that in the futurewe might be able to earn your business again. Thank you for your patience and consideration in this matter.Regards,[redacted]

May 15, 2015Dear [redacted],This letter is being written with regards to the Revdex.com Complaint that was presented to our company on 5/10/2015 (Case #[redacted]).Thank you for bringing this matter to the attention of rateGenius. We have looked into the situation and carefully reviewed it to make sure we...

address your concerns properly and completely. We appreciate your patience while we attempted to find you a lower rate on your auto loan. Unfortunately after the initial reviewof your loan application, it was ultimately declined due to reasons stemming from your ChexSystems report. We made surethat the Loan Officer that you worked with contacted you regarding the issue and resolved any questions or concerns youmay have had about it. We sincerely apologize for any breakdown in attempts to contact you regarding this matter previously.The Loan Officer is currently in communication with your previous insurance company to change the policy back to the originallien holder. Management will oversee this to make sure it is carried out to completion.We thank you again for bringing this to our attention and we hope that the matter has been resolved adequately. Please do not hesitate to reach out to rateGenius should you have any other questions or concerns regarding your application.Best Regards,Compliance Manager