THE TRIDENT GROUP

June 23, 2014To Whom It May Concern:According to what information is currently available, the consumer was advised Trident Mortgage Company, LP (Trident) could do the loan with an escrow shortage as long as he qualifiedAfter his income and assets were receivedTrident realized the consumer did not qualify for the loan.Thank you for your consideration in this matter.Very truly yours,

July 11, 2014, To Whom It May Concern:Trident Mortgage Company, LP (Trident) understands the consumer's frustration with the process and sincerely apologizes for what he feels has been a poor service experience..The consumer initially spoke with a Trident Mortgage Consultant and discussed the potential to refinance the FHA mortgage on his current residenceDuring this initial discussion, the consumer disclosed his mortgage status and escrow shortageBased on the limited information provided, the consumer was advised by the Mortgage Consultant that a loan can be done with an escrow shortage, as long as he qualified for the loanAdditional information was ultimately obtained from the consumer, and after assessing the consumer's income and assets , it was determined he would not qualify for the loanThe Mortgage Consultant followed appropriate protocol in gathering the documentation necessary to determine if the consumer would qualify for the refinance.If the consumer would like to speak with another Mortgage Consultant to determine if he qualifies at this time for a loan, we can arrange for a Mortgage Consultant to contact him.Trident apologizes to the consumer if he feels he was misled in any way.Thank you for your consideration in this matter.Very truly yours

October 19, 2017To Whom It May Concern:Trident Mortgage Company ("Trident") is in receipt of the above referenced complaint filed with the Revdex.com dated September 20, 2017.Trident does have the capacity to deliver loans to *** ***, which was the complainants wishTrident agrees
that the Mortgage Consultant ("MC") involved admitted to advising the client we would deliver the loan to *** ***However, the file was not correctly identified and ultimately delivered to another investor.Trident attempted to repurchase the loan from the investor it was delivered to, in order to deliver the loan to *** ***This process was part of the desired resolution of the complainant, however Trident is unable to do soWhen Trident approached the investor to repurchase the loan, Trident was advised it was not an option as only the investor could initiate a repurchase request.As a sign of good faith, Trident would like to offer the complainant a $gift cardI have included my contact information below for the complainant to reach out to me directly to obtain the gift card.Thanking you for your consideration in this matter.Very truly yours,Scott Z***Compliance ManagerTrident Mortgage Company

June 23, 2014To Whom It May Concern:According to what information is currently available, the consumer was advised Trident Mortgage Company, LP (Trident) could do the loan with an escrow shortage as long as he qualified. After his income and assets were received. Trident realized the...

consumer did not qualify for the loan.Thank you for your consideration in this matter.Very truly yours,

July 11, 2014,
To Whom It May Concern:Trident Mortgage Company, LP (Trident) understands the consumer's frustration with the process and sincerely apologizes for what he feels has been a poor service experience..The consumer initially spoke with a Trident Mortgage Consultant and discussed the potential to refinance the FHA mortgage on his current residence. During this initial discussion, the consumer disclosed his mortgage status and escrow shortage. Based on the limited information provided, the consumer was advised by the Mortgage Consultant that a loan can be done with an escrow shortage, as long as he qualified for the loan. Additional information was ultimately obtained from the consumer, and after assessing the consumer's income and assets , it was determined he would not qualify for the loan. The Mortgage Consultant followed appropriate protocol in gathering the documentation necessary to determine if the consumer would qualify for the refinance.If the consumer would like to speak with another Mortgage Consultant to determine if he qualifies at this time for a loan, we can arrange for a Mortgage Consultant to contact him.Trident apologizes to the consumer if he feels he was misled in any way.Thank you for your consideration in this matter.Very truly yours.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: I spoke with [redacted] and gave all of my information, and explanation, as far as my current mortgage status and escrot shortage. I explained that I was not interested in proceeding unless it was certain I could refinance. I was assured I could so I ran around to gather the documents requested and sent them. It wasn't until after a week later that I contacted [redacted] about the status. It was only then that I was told there was "more questions" like where I worked (despite my employer listed on my pay stub), as well as other no relevant questions. It was then I was informed that the refinance couldn't happen because the "investors would not approve it." This is not acceptable and is a misleading business practice. My career, family, and most importantly my pregnant wife require utmost attention. I was coerced into being led to believe streamlining my mortgage would occur. This is not being handled appropriately or acceptably. 
Regards,
[redacted]

Review: I spoke with a representative who said I was able to streamline my mortgage. I supplied the information needed, was not contacted, my wife was pressured to sign other documents, and then was told I could not streamline after I was told I could.Desired Settlement: Trident promised that I could streamline my mortgage in order for me to pay the mortgage in my wifes name at a new house. This is a very dangerous area and we only want the best for our daughter that will be born in July. Your representative promised us the ability to streamline so that Trident can benefit from our streamline and our new mortgage. We just want the best for our daughter and our safety. We were promised it and we have been misled.

Business

Response:

June 23, 2014To Whom It May Concern:According to what information is currently available, the consumer was advised Trident Mortgage Company, LP (Trident) could do the loan with an escrow shortage as long as he qualified. After his income and assets were received. Trident realized the consumer did not qualify for the loan.Thank you for your consideration in this matter.Very truly yours,

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: I spoke with [redacted] and gave all of my information, and explanation, as far as my current mortgage status and escrot shortage. I explained that I was not interested in proceeding unless it was certain I could refinance. I was assured I could so I ran around to gather the documents requested and sent them. It wasn't until after a week later that I contacted [redacted] about the status. It was only then that I was told there was "more questions" like where I worked (despite my employer listed on my pay stub), as well as other no relevant questions. It was then I was informed that the refinance couldn't happen because the "investors would not approve it." This is not acceptable and is a misleading business practice. My career, family, and most importantly my pregnant wife require utmost attention. I was coerced into being led to believe streamlining my mortgage would occur. This is not being handled appropriately or acceptably.

Regards,