Residential Mortgage Services

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint # [redacted] I understand that by choosing to accept the business response that my complaint will be closed as resolved Regards, [redacted]

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below [The response partially addresses the concern and contains an inaccuracy RMS notified me on May 3rd indicating that they had fully reviewed the condo questionnaire submitted by the agent of the home owners situation and indicated at that time that they would approve the loan On 5/27, their cancellation of the loan and reason cited indicate that they had not fully read the condo questionnaire as they had indicated While RMS did assist in locating another lender and refunded the appraisal fee paid to RMS, they have not responded to my request for reimbursement of additional costs should the new lender not be able to proceed by the original closing date of June 30th If the new lender is able to meet the June 30th date, I will cite the response as satisfactory However, if the new lender cannot meet the closing date, I will incur motel, dog boarding, and furniture closing fees which I feel RMS should pay since I proceeded with the loan from RMS based upon their insufficient review of the documents they were given and go ahead with the loan based upon their original decision Had RMS not given only cursory review of the documents, they would have advised me on 5/that they could not proceed with the loan then, and I would not have pursued purchase of the property Regards, [redacted] ***

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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]

RMS has consistently and continues to work to assist the customer in obtaining the financing she sought, although the property is not eligible for financing by our company We are optimistic that the matter will be resolved to the customer’s satisfaction due in large part to those efforts

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint # [redacted] I understand that by choosing to accept the business response that my complaint will be closed as resolved Regards, [redacted] ***

We approved the borrower and were ready to close under the terms of the original lock For customer goodwill, we refunded the $appraisal fee and the $subordination fee Although we are not required to do

Ms [redacted] applied to RMS for mortgage financing of a condominium unit RMS like most mortgage lenders makes mortgage loans on condominium units only if they meet certain industry standard requirements Information on condominiums is obtained from multiple sources, and in this case, the information was not consistent When the company ultimately learned that the particular condominium did not meet these requirements, RMS sought and identified another area lender who offered similar terms but had reduced condominium requirements We believe that we were able to fully meet the customer’s need by these efforts, and it is our understanding that she has agreed to withdraw her complaint once the new mortgage loan has closed

The client was issued a refund for the $

To whom it may concern,Please be advised that we received a complaint from the above consumer on Thursday April 28thThe complaint call was taken by Larry G[redacted] Branch Manager Lancaster PaThe complaint was review with Bob J[redacted] Executive Vice President Mid-Atlantic Region to come up with a
resolution for the consumerWe are refunding the consumer for the monies spent for inspectionsWe have communicated this information to the consumer and we consider this matter resolved.Thank youBob J[redacted]Vice President of Mid Atlantic Region

[A default letter is provided here which indicates your acceptance of the business's response.? If you wish, you may update it before sending it.]
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]

To whom it may concern,Please be advised that we received a complaint from the above consumer on Thursday April 28th. The complaint call was taken by Larry G[redacted] Branch Manager Lancaster Pa. The complaint was review with Bob J[redacted] Executive Vice President Mid-Atlantic Region to come up with a...

resolution for the consumer. We are refunding the consumer for the monies spent for inspections. We have communicated this information to the consumer and we consider this matter resolved.Thank youBob J[redacted]Vice President of Mid Atlantic Region

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
[The response partially addresses the concern and contains an inaccuracy.  RMS notified me on May 3rd indicating that they had fully reviewed the condo questionnaire submitted by the agent of the home owners situation and indicated at that time that they would approve the loan.  On 5/27, their cancellation of the loan and reason cited indicate that they had not fully read the condo questionnaire as they had indicated.  While RMS did assist in locating another lender and refunded the appraisal fee paid to RMS, they have not responded to my request for reimbursement of additional costs should the new lender not be able to proceed by the original closing date of June 30th.  If the new lender is able to meet the June 30th date, I will cite the response as satisfactory.  However, if the new lender cannot meet the closing date, I will incur motel, dog boarding, and furniture closing fees which I feel RMS should pay since I proceeded with the loan from RMS based upon their insufficient review of the documents they were given and go ahead with the loan based upon their original decision.  Had RMS not given only cursory review of the documents, they would have advised me on 5/3 that they could not proceed with the loan then, and I would not have pursued purchase of the property. 
Regards,
[redacted]

From: Jason W[redacted]<Jason.W[redacted]>Date: Fri, Mar 13, 2015 at 2:39 PMSubject: Complaint [redacted]To: "[redacted]>Cc: Charlie D[redacted] <[redacted]>, Danielle U[redacted] <Danielle.U[redacted]>
Hi Mrs. [redacted],
 
     In regards to the complain filed by [redacted] here is our response.
 
[redacted]’s brother [redacted] reached out to me at the end of Dec in regards to a home he wanted to buy. It was determined that the brother did not qualify to buy the home. They came back with the idea of adding [redacted] to the application. So on Jan 5th I spoke to [redacted] and he asked I email him an application which I did. He returned the application for a mortgage the morning of Jan 6th. He and I spoke and I was very clear I would be pulling credit. I pulled credit (you have to do that these days to determine eligibility for a loan) that morning and called him to review the report. It was determined that we needed tax returns in order to move any further. He supplied the tax returns of his own free will and we reviewed them in great detail. On Jan 19th [redacted] questioned me on why I pulled his credit. I was a little confused by this since he and I had discussed it in great detail. The 19th is also when he started harassing me and threatening my job. He filed a complaint with you guys and our corporate office. After speaking with my boss they decided to proceed with the loan and drop the complaint. After a few weeks of the loan being in process they were ultimately denied the mortgage and then another complaint was filed and hey started harassing us again and made numerous threats. This complaint is ridiculous on many levels. If [redacted] and [redacted] want to sign a release we would be happy to forward over all the communication we had with them. By law we are required to keep certain documentation on file for a set period of time. I never made a threat to do anything with their documentation. I have been doing this for almost 16 years and have never had a complaint filed against me. I know how to do my job and I know the rules that come with this job. I never broke the rules and I should not be subject to threats and harassment from 2 guys who didn’t qualify for a mortgage.
 
If you need further information please let us know. I appreciate your time.
 
Thanks,
 
 
Jason W[redacted]Branch Manager -- NMLS# [redacted]Residential Mortgage Services, Inc. -- NMLS# [redacted]933 [redacted].| Clarks Summit, PA 18411P###-###-#### | C###-###-#### | F ###-###-####Jason.W[redacted]|www.[redacted]/JasonW[redacted]

We approved the borrower and were ready to close under the terms of the original lock.  For customer goodwill, we refunded the $400 appraisal fee and the $150 subordination fee.  Although we are not required to do.

Ms. [redacted] applied to RMS for mortgage financing of a condominium unit.  RMS like most mortgage lenders makes mortgage loans on condominium units only if they meet certain industry standard requirements.  Information on condominiums is obtained from multiple sources, and in this case, the...

information was not consistent.  When the company ultimately learned that the particular condominium did not meet these requirements, RMS sought and identified another area lender who offered similar terms but had reduced condominium requirements.  We believe that we were able to fully meet the customer’s need by these efforts, and it is our understanding that she has agreed to withdraw her complaint once the new mortgage loan has closed.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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]

RMS has consistently and continues to work to assist the customer in obtaining the financing she sought, although the property is not eligible for financing by our company.  We are optimistic that the matter will be resolved to the customer’s satisfaction due in large part to those efforts.

I am the district manager for a number of offices of RMS Mortgage including our office in Clarks Summit, PA.
I received your letter regarding the above complaint and immediately placed...

a call to you on Tuesday Feb 17, to discuss your contention that you have made multiple attempts to contact us as well the substance of the complaint.I am familiar with the subject complaint made by [redacted] as I have been in contact with him many times as well as with his brother who was a joint applicant for a mortgage loan. We have researched his complaint and communicated our findings directly to him.
On or about Jan 23, 2015 we sent via secure email specific disclosures to both with specific direction as to how we would handle his application and required documentation should they decide to proceed with a formal application. The disclosures were returned duly signed as an acknowledgement of acceptance. 
My group has been in business within this market for many years and consumer complaints are very rare. If you need for me to respond in any greater detail, I would appreciate some dialogue and direction.
Respectfully,
Charlie D[redacted]
District Manager Residential Mortgage Services, Inc.

To whom it may concern,
Please be advised that we received a complaint from the above consumer on Thursday April 28th. The complaint call was taken by Larry G[redacted] Branch Manager Lancaster Pa. The complaint was review with Bob J[redacted] Executive Vice President Mid-Atlantic Region to come up...

with a resolution for the consumer. We are refunding the consumer for the monies spent for inspections. We have communicated this information to the consumer and we consider this matter resolved.Thank you
Bob J[redacted]Vice President of Mid Atlantic Region

Revdex.com:
I have reviewed the response submitted by the...

business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]