The UPS Store, #4265

Can you please ask the applicant(s) to contact me directly with their Application number and I will look into the matter immediately. Please do not reply back through the Revdex.com with any personal or private information such as their application number. Please ask the applicant(s) to call me at...

[redacted]. Thank you

Complaint: [redacted]
I am rejecting this response because: your company lies. We were never told we not approved for the FHA loan. We were approved through another lender. Stop giving false advertisement! Your company will not survive with corruption.
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.
My Address 
Regards,
[redacted].                                 Address is [redacted]

Please see attached narrative.  Thank you in advance for your consideration.

Dear [redacted],Good afternoon.  Please accept our apologies for the delayed response.  We thought the complaint was closed out and our offices were not open for the holiday weekend.  We remain apologetic that you are upset over the processing timeframe of your application.  As we mentioned, we do our absolute best to streamline the process and have experienced operations professional throughout the organization.  Underwriting is not an exact science, but our team members attempt to follow written guidelines promulgated through government sponsored enterprises (GSEs).  When we cite the ability to repay, we are not questioning your financial acumen or stability; rather it is a reference to statutory requirements that mandate we verify and re-verify certain transactional items (i.e. large cash deposits, CPA letters for business owners, etc.)  Underwriting is a document intensive process, and while we preach common sense, we ultimately must follow the best paper trail available to meet investor guidelines.  We are disappointed we could not close your loans, but hope to earn your business in the future.  Thank you and best of luck in your future pursuit of financing.

The file has received a Clear-To-Close and the documents are to be submitted to the settlement agent.  While we recognize the borrower will not be satisfied until the loan is physically closed, but we have to respond to the Revdex.com to avoid non-response ratings.   We look forward to having this transaction closed out.  Thanks.

Complaint: [redacted]
I am rejecting this response because:
 The loan has not been closed and assurances from compliance counsel that they would go further to ensure I was completely satisfied were not met. 
Regards,
[redacted]

American Financial Resources, Inc. (d/b/a eLend) is in receipt of your consumer complaint relating to your recent mortgage application.  Our company is a nationwide mortgage lender with Direct Endorsement Authority from theDepartment of Housing and Urban Development.  We are also an...

approved seller/servicer with Fannie Mae and Freddie Mac.  As evidenced by our strong customer satisfaction ratings, we take all consumer inquires very seriously.  As an Equal Housing Lender, our company strives to provide financing to all qualified individuals on all eligible properties.  As a regulated institution, we must adhere to all FHA appraisal and underwriting guidelines.  These legal requirements mandate that all appraisals are ordered through a non-affiliated Appraisal Management Company; any monies expended were received by a third-party.  Upon our receipt of borrower-executed mortgage disclosure documents, the appraisal was ordered.  Upon review, the independent valuation reflected there were necessary repairs to ensure the residential home was compliant with lending standards.  An inspection fee of $150.00 was charged by this third party company for the Appraiser to make a second visit for a repair status check.  Our internal notes reflect the borrower wanted to proceed with the mortgage applications, and repairs were made in mid-October.  We received the revised appraisal report, but the third-party reviewer cited the repairs remained unsatisfactory.  In addition to the outstanding home repairs, the title company furnished a title  eport indicating there was a private mortgage on the property that was previously unknown to our entity.  As a government sponsored lender, we must adhere to their underwriting guidelines regarding properties being up to municipal codes, and  verification of the borrower’s ability-to-repay the loan.  While  we wish every borrower application would result in approved financing, we can only offer full-documentation loans on eligible properties.  Please be advised that our company neither charges application fees, underwriting fees, nor any lender fees whatsoever.  Our company does not generate any revenue unless a loan actually closes.  Our company prides itself on transparency and delivery of high customer service levels.  Over the past sixteen years, we have helped tens of thousands of families achieve homeownership, and work tirelessly to handle all transactions in a professional manner.  Thank you in advancefor your consideration.

We are currently working with the borrower on the ongoing transaction.  Our team remains confident that the lines of communication are working well, and the applicant's concerns are being addressed.  AFR looks forward to providing excellent financing to a qualified borrower in the...

timeframe requested.  Thank you in advance for your consideration.

[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.
The third party refunded my credit card for the faulty inspection with no help, indeed roadblocks and outright refusal to do anything before this dispute was filed and then putting it off on someone else who also refused to do anything until the credit charge was challenged and the threat of a case being filed with both the Revdex.com and The Consumer Protection Bureau.  The customer service exhibited by your company was sub-par in every way and I can not recommend your company nor the Appraisal Service for any reason.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
I was not the one in bankruptcy it was my son it had nothing to do with me and also his Mobile Home was not in his bankruptcy it was some other bills...

he and his wife had ,this was a poor excuse for after 3 months of dealing with you and we did everything you ask of us to come up with this ! We would like our $495 for the appraisal and the $365 for the Engineer Certification Refunded !I will get my attorney involved with this if I don't get my money back because my sons bankruptcy has nothing to do with me and his bankruptcy judgement has closed he filed that 8 years ago . You misled us several times saying we were approved for this loan and I have saved all the emails and corresponds that we had 
Regards,
 
[redacted]

Dear Mr. [redacted],Good afternoon.  We are crestfallen to see that the Complaint response was rejected; we strive for 100% customer satisfaction.  Upon our notice of the rejection, we confirmed with the Appraisal Management Company that the requested refund was properly administered.  We are attaching a copy of the correspodnence reflecting the refund amount of $495.  We trust this is to your complete satisfaction.  Thank you again for the opportunity to address the issue.

[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]

Complaint: [redacted]
I am rejecting this response because:
I still do not have a closed loan. When and if they take this loan across the finish line I will close this complaint.
Regards,
[redacted]