Secure One Capital Corp

This has been resolved. I worked with the client and resolved the matter to his satisfaction. In fact, the client has even requested that the Revdex.com remove his complaint. I posted to the Revdex.com site a few weeks ago and again yesterday that the matter had been resolved. ***

I had a very good experience in my dealings and conversations with Joshua W
He was extremely patient, explained the process and very consistent while waiting for me to gather all documents
I am very pleased with the service that he offered me
Excellent employee

To whom it may concern:First, let me say that all of you in Florida are in our thoughts and prayers following Hurricane Irma and this difficult hurricane season. Since I don't have your name or address and since you chose not to do business with us, I cannot respond to your complaint directly,
but I will try.It is likely that our marketing piece was designed and mailed to you before Hurricane Irma even formed in the South AtlanticWe had no intention of being inconsiderate of your feelings and the devastation that you and your community were dealing with in our attempt to contact you.It is entirely possible that you made an inquiry on a website/landing page, which we own or, which is controlled by one of our business partners over the past few months. It is also possible that your information was shared with us from another one of our business partners following an application for a mortgage or even a simple inquiry on your part. Without your name and address, there is no way for me to be certain.As for our banker being well prepared to answer your questions, comments or concerns of course, he wasOur loan officers are highly trained professionals ready to provide our clients with the information they need to make an informed decision about their home and their financial future. Our bankers talk to many people, just like you, every day and we have helped thousands to lower their rate, free up some cash and consolidate their debt, all of which, improves their cash flow and quality of life.In our competitive industry, we find ourselves working extra hard to locate people whom we can help. Sometime, people like you feel that we may have crossed a line in our attempt to earn your trust and your business. I can assure that our intentions were noble and I am sorry that we reached out to you at a bad time.We wish you well. *** ***Director of Business Development

I want to thank a team of people at Secure One Capital Corporation, for working very hard to secure a refinance on my home, after three attempts in the last months!!! With their professionalism and tenacity from the first "cold call" from *** ***, and the expedient processing of my loan by *** *** and Underwriting of ***, it will be a very Merry Christmas this year! THANK YOU all for your hard work to help me achieve a life-changing opportunityYour Team at Secure One Capital Corpis Awesome!!!

Easy, painless process10/

We had a great team (***, ***, ***, and ***) to help us with our refi Even when there was an issue with the signing, they were all quick to get it fixed and get us new papers to sign right away Thanks, Secure One Capital

I was referred to *** *** from a friend and he was a delight to work withI am a first time home buyer and a novice when it comes down to itI had many question and *** had all the answersHe was able to give me advice on what questions to ask my realtor and also on what to look out for when purchasing*** was able to get my home purchasing approval very quickly so that I was able to start shopping for my property purchaseI am very lucky to have been referred to ***, he has made my first purchase a breeze

From the first time I spoke to *** *** until the last time we talked when I was being congratulated on getting my refinance funded - *** had always been courteous, professional and very knowledgeableThere were zero issues in expediting my loan because of people like *** and *** ***rThey both always seemed to have my best interest at heart and did exactly what they said they would do - I call that doing business with integrityThis is the type of service you can expect from a top shelf company like Secure One Capital and I have given only a few reasons why I have given them a star ratingGreat job folks!

I need to get access to be able to close out this complaintThe business has contacted me & we have resolved this caseThank you*** ***

Secure one did a great job refinancing my home for me from an adjustable rate to a year fixedIt took less than a month! I have recommended them to friends & family

I refinanced my house and the entire process took just over weeksI got what I wanted and the customer service team was very polite

Secure One Capital was a great partner for me when I recently refinanced my home Andrew was extremely responsive to any of the questions I had The service I received was very professional and personable I would recommend Secure One to anyone looking to refinance

Hello ***, We take all complaints very seriously and apologize that it was necessary for you to escalate the complaint to the
Revdex.com. We pride ourselves with exceptional customer serviceWe wish that we could have resolved your problem without having to involve the Revdex.com but very happy that we are able to resolve the problem for you regardless. I apologize for the delay in responding to the complaint but felt it was necessary to do our due diligence prior to a formal response. For your information purposes only, all of our calls are recorded for quality assurance and training purposes so we had to spend some time reviewing the phone call and first identify if we acted in errorAfter careful review we identified that our new hire, mortgage banker in training obtained your social security number during the call, suggested that we may have to run your credit during the application process but there was clearly a gap in communication on when this would happen during our approval process. Due to the miss communication we are making every effort to correct this for you. Per our discussion with your husband on 06/09/please submit the information that our department manager requested from you and we will work with our credit reporting agency to have the inquiry removed. We appreciate your understanding and hope that our resolution to your problem is satisfactory.
Tell us why here

I have been working with *** ***She is an absolute rock starShe has been there for me through my refinanceShe has gone above and beyond my expectationsShe will get back to me day or night and always finds a way to help me understand my options and consult me through the process!! Thank you ***!!

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowThey have refused to clearly state that they will not call me again in the future.
They have provided no indication that they are changing their business practices to prevent harassment of other customers
They have not indicated their compliance with federal do not call policies as outlined by the FTC
So far they blew flowery words at me and tried to bribe me with $
Regards,
*** ***

Hello ***, As a representative of Secure One Capital I wanted to personally apologize to you for your troubles but also assure you that our contacting you was a mistake. This was an error on our part and we accept full responsibility for your troubles. I agree that it must have been frustrating to continually receive solicitation phones calls from a company that you did not apply with. In effort to resolve the matter, I have spent several weeks researching the events that led up to this in effort to prevent it from happening to anyone else Allow me to explain: I am not sure how this happened but your phone number ending in *** was associated with another lead that was generated from our website from October 2014. This could be as simple as an individual miss typing the information on our application page. Once an application is received the information is sent to an offsite call center that will contact the number in effort to obtain an application for refinance. In effort to service our applicants we continue to call until the lead has reached a decision. We attempted on a number of occasions to remove your number but because the name associated with the lead was different than yours I concluded that your number remained to be called on. At our office we work very hard to provide exceptional service, we do not solicit anyone that has not prompted a phone call from our office. This does happen on occasion through human and manual data entry errors but this is not a regular business practice for us. I am hoping the you can accept our apology and allow us to part ways with an understanding that this was a sincere mistake. In conclusion; You number will be removed from our contact list, we will not contact you again, we do recognize the do not call registry however the rules are slightly different since we have an application on file from October. Based on the complaint filed it appears that there was an amount of $that you paid in international phone charges. In effort to make this right our management team has agreed to issue you a check in the amount of which will be sent day priority mail on Wednesday 03/18/2015. If you would like to reach me, please do so at the number listed below ***

I had the pleasure of working with *** *** at Secure One on a refi, she was very patient, knowledgeable and super responsive when questioned, very good company to work with

In any loan transaction, there is an initial prequalification call, loan terms will be discussed, and as long as the applicant can
supply adequate information promptly, we will proceed to process the application. After the process of the refinance had started with Mr***, we soon learned that there was additional work that would need to be completed on his behalf. His existing mortgage had been modified, and we had to work with them to obtain satisfactory information to meet our condition of approval. As we explained to Mr***, there would have been no way for us to know any of this upfront so hi patience would be appreciated. During the transaction with Mr***, he had direct access to one of our branch managers in which calls were made to our branch manager as late as in the evening, on the weekends, and during vacation This was not a big concern for us since we constantly aim to please. If someone needs our cellular number, we will voluntarily give it to make sure he or she are at ease. Our branch manager has a family and did his very best to contact Mr*** back within a reasonable amount of time but apparently, we fell short. Since the complaint, we reached Mr*** to discuss his concerns, and after talking through it at greater length, Mr*** was happy that the loan got completed and he apologized for posting the negative review out of frustration
In closing, our branch manager did confirm that we waived the appraisal fee since he had just paid for one with another lender. We explained to Mr*** that after the loan closes accounting would have been notified to reimburse him for his appraisal fee. However, it was determined that Mr*** never paid for a 2ndappraisal and the fee was waived. We feel that we did the very best that we could on Mr***’s loan considering we were dealing with other lenders, HUD, and government agencies to obtain the information necessary to complete the transaction in weeks.
We invite Mr*** to contact us if he has any constructive feedback or feels that we did not adequately handle his concern

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolvedI have made it very clear to *** *** today (6/10/2016) that if the action to remove the inquiries are not completed among the three credit reporting bureaus, I will be re-opening this complaintHe assured me it would happenI also want to make some corrections to the statements the business has made in its responseThere was no miscommunication as allegedThe representative indicated to me prior to me providing him my wife's and my SSN that there would be no HARD pull on our credit reportsI am no first timer to requesting that there are no HARD pulls on my credit as I know it affects your credit score which is why I ensured the question was askedHad it not been for my credit monitoring alerts, Secure One Capital Corporation would have gotten away with itIf they disagree, then please send me the recording of the conversationI can prove this beyond a doubt so do not lie to save face! Admit the mistake and accept that Secure One Capital Corporation made a mistake
In addition, we (*** & I) spoke today to resolve the issue, not on 6/9/as indicated*** did attempt to contact me on 6/8/and left a message and I returned his call on 6/9/and left a messageI followed with an email*** got back to me today and stated he was out of the office due to an emergency and apologized for not returning my callI am not satisfied with the fact that Secure One Capital Corporation is not accepting responsibilityI demand an apology for this and would like for *** *** to contact me again and apologize for the lie that was blatantly told about a miscommunicationThe representative blurted out numbers on 5/20/stating that they could beat my current rate, after giving Secure One Capital Corporation the opportunity to do so given their grievous mistake, they could not! And it shows disingenuousness and unacceptable customer service that no one wanted to help me until I reported this issue to the Revdex.com and threatened to hire a consumer attorney to rectify this issueAs a resolution and until the action is completed, I will, on an interim basis, accept the good faith and promise made by *** *** and Secure One Capital Corporation to do as it states which is to remove the Credco inquiry from all three credit bureaus on my and my wife's behalfRegards,
*** ***