Sam's Optical

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[The estimate in taxes and insurance was done so poorly that my payment is now over dollars higher after refinance I want my money back from the refinanceI have consulted with a real estate attorney who stated that someone within Gaurdian grossly miscaculated insurance and taxes
Regards,
*** ***

Guardian Savings BankSeptember 25, 2017*** *** Marketplace Resource Consultant Revdex.com E4thSuite Cincinnati, OH 45202Re: Consumer concern for *** ***Dear *** ***:We have received the Revdex.com's (Revdex.com) letter dated September 18, 2017, regarding the customer concern about our business Submitted by *** *** and assigned case D of ***.As stated in our responses dated 8/25/and 9/13/17, *** ***’s payment increased due to an increase in county taxes, city taxes and homeowners insurance after the loan was originated on 9/20/The payment of principal and interest decreased $from the prior loan when the loan was refinanced on 9/20/The escrow account payments calculated from information that was available to the Bank prior to loan closingThe escrow account calculations were based off the homeowners insurance policy provided by *** *** which indicated a premium of $1,The figures used to calculate the Oldham County and City of LaGrange taxes were taken from county records during the preliminary title search dated 8/1/The title search shows Oldham County, Kentucky tax of $and City of LaGrange, Kentucky tax of $A review of the file showed that the county taxes went up to $2,from $1,954.81, city taxes increased to $from $323.40, and the insurance increased to $from $1,This increase resulted in higher amounts being paid out of her escrow account which created a shortage thus causing the need to increase her escrow amountUnfortunately, the escrow payment is determined by how much she is charged by her insurance company and city and county taxes and is not determined by Guardian Savings Bank.At closing, *** *** received a Closing Disclosure which is required by the Truth in Lending Act (TILA) and the Real Estate Settlements Procedure Act (RESPA)The Closing Disclosure includes details on the loan terms, projected payments, costs at closing, details of the closing costs, and other costs associated with the loan such as recording fees, insurance premiums, and amounts required to fund an escrow accountPage of the Closing Disclosure contains information on an escrow account and includes a disclosure that States in the future your property costs may change and, as a result, your escrow payment may change'Page of the Closing Disclosure includes signature lines that are signed by the borrower(s) at closing confirming receipt of the documentThis was signed by *** *** on 9/20/16.Guardian Savings Bank calculated the funds needed to fund the escrow account using the current amounts that were accurate at the time the loan was madeIncreases in taxes and homeowners insurance is not determined by the Bank.As stated previously, *** *** could reach out to her insurance agent to discuss options that might be available to reduce costs and she could also check with her city and county on ways to reduce property taxes.We trust that this letter will adequately address any concerns she has regarding her escrowsIf you need any further assistance, please do not hesitate to contact our loan servicing department at (513) 923-4100.Respectfully yours,Susan R*** Vice President of Compliance MtAiry Office: Colerain AveCincinnati, OH (513) 923-Fax (513)741-www.guardiansavingsbank.com

See attached document2017-04-17:GSB Compliance P 6/7Guardian Savings Bank“Security Since 1895”March 31, 2017*** ***Revdex.comE4th, Suite 600Cincinnati, OH 45202Re: Case# ***-*** ***Dear *** ***:We have received the Revdex.com’s
letter dated November 07, and November 17, regarding Revdex.com Case #for *** ***In response, we provide the following explanation of facts:*** *** applied with Guardian Savings Bank (Guardian) to refinance his investment property on June 18, *** *** shared in his complaint that he had not received a “Good Faith Estimate”; however, since this loan was on investment property, a Loan Estimate was not provided to him. *** *** loan officer, Alex, explained to him during the application process that there would be points added to the closing costs due to the property being investment*** *** expressed to Alex that he did not want to pay that much which resulted in a misunderstanding that the customer did not want to move forward with the loanIn addition, our records indicate that *** *** did not respond to the requests by the appraiser to set up a date for an appraisal.On November 7, 2016, *** *** notified Guardian of his concerns through Guardian’s customer service email addressAlex responded that same day to *** *** email and explained the misunderstanding and apologized to him.We trust that Alex’s email to the customer on November 07, 2016, along with this letter, have adequately resolved the complaintWe would be happy to work with *** *** should he wish to pursue the refinancing of his investment property or any other mortgage loanIf you need further assistance, please do not hesitate to contact me at (###) ###-####.Respectfully yours,Yvonne R.Vice President of ComplianceWest Chester: West Chester Road--West Chester, OH 45069--Phone ###-###-####www.GuardianSavingsBank.comAnytime Access ###-###-####MemberFDIC

GuardianSAVINGS BANK“Security Since 1895"September 13, 2017*** *** Marketplace Resource Consultant Revdex.com E4" Suite Cincinnati, OH 45202Re: Consumer concern for *** ***Dear *** ***:We have received the Revdex.com's (Revdex.com) letter dated September 5, 2017, regarding the customers additional concerns about our business submitted by *** *** and that was assigned case ID of ***.Review of the file shows that her mortgage amount increased $from the prior mortgage when she refinanced her loan on 9/20/However, her monthly payment of principal and interest decreased $from the prior loanReview of the initial application received by telephone on 8/1/16, shows that the loan amount requested was $201,- the same amount as the new mortgage*** *** was provided with a Loan Estimate (LE) dated 8/1/16, that included the loan amountOn 8/1/16, *** *** signed and returned a “Notice of Intent to Proceed with Loan Application' acknowledging that she would like to proceed with the application and had reviewed the terms and the fees on the LE*** *** was also given a "Notice of Right to Cancel at the loan closing as required by Federal regulation, giving her the opportunity to rescind the loan within three business days of the closingThe increase to her payment is due to county taxes, city taxes, and insurance included in her escrow account as addressed in her previous complaintUnfortunately, the escrow payment is determined by how much she is charged by her insurance company and city and county taxes and is not determined by Guardian Savings Bank.We trust that this letter will adequately address any concerns she has regarding her mortgageIf you need any further assistance, please do not hesitate to contact our loan servicing department at (513) 923-4100.Respectfully yours,Susan R*** Vice President of ComplianceWest Chester Office: West Chester Road ~ West Chester, OH ~ Phone: 513-942-3500wwwGuardianSavingsBank.com

Guardian Savings Bank"Security Since 1895"August 25, 2017*** ***Marketplace Resource ConsultantRevdex.comE4th, Suite 600Cincinnati, OH 45202 Re: Consumer concern for *** *** Dear *** ***:We have received the Revdex.com's (Revdex.com) letter dated April 29,
2017, regarding the customer concern about our business submitted by *** *** and that was assigned case ID of ***.Review of the file showed that her county taxes went up to $from $1954.81, city taxes increased to $from #323.40, and the insurance increased to $from $1,This increase resulted in higher amounts being paid out of her escrow account which created a shortage thus causing the need to increase her escrow amountUnfortunately, the escrow payment is determined by how much she is charged by her insurance company and city and county taxes and is not determined by Guardian Savings Bank.There are ways that she could reduce her escrow paymentsShe has the option of paying the shortage and the escrow could be analyzed againShe could reach out to her insurance agent to discuss options that might be available to reduce costs and she could also check with her city and county on ways to reduce property taxes.We trust that this letter will adequately address any concerns she has regarding her escrowsIf you need any further assistance, please do not hesitate to contact our loan servicing department at (513) 923-4100. Respectfully yours,Susan R***Vice President of Compliance West Chester Office: West Chester Road ~ West Chester, OH ~ Phone: 513-942-3500www.GuardianSavingsBank.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I was already aware that they cannot control insurance and tax costsThe problem is that the person who completed my refinance miscalculated so poorly that my mortgage now is more than the original mortgage prior to refinanceI would like my closing costs returned to meNo one refinances to achieve a higher payment
Regards,
*** ***

[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 If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is not what I wanted, but have no other recourseI will not work with them in the future

See attached document2017-04-GSB Compliance 5138420799>> P 2/7Guardian Savings Bank“Security Since 1895”March 31, 2017*** ***Marketplace Resource ConsultantRevdex.comE4th , Suite 600Cincinnati, OH 45202Re: Case #***--*** ***Dear *** ***:We have received
the Revdex.com’s letters dated May 06, and May 16, regarding Revdex.com Case #*** for *** ***I would like to first apologize for any delay in Guardian’s communications. A review of the loan file shows that Guardian has honored *** *** request refunded her application fee of $on 05/09/with check #*** dated 05/05/16.We trust that this refund check has satisfied the complaintPlease do not hesitate to contact me at ###-###-#### with any further questions.Respectfully yours,Yvonne R.Vice President of Compliance