Thomasville Gallery

Re: Consumer complaint # [redacted] I am writing in response to your letter dated February 16, 2017, wherein you provided additional Information from Mr [redacted] regarding our response to the complaint he filed with your on January 16, To clarify, Mr [redacted] owns his home, not VITEK Mortgage Group VITEK Mortgage Group provided the financing for Mr [redacted] ’s home purchaseThe loan was made in accordance with Veteran’s Administration home loan underwriting guidelinesThe home appraisal was performed by a VA-certified appraiser, as is required by these guidelinesA home appraiser typically does not include a home inspection, and this was noted by the appraiser in the appraiser reportThe Appraiser observed accessible areas to the home in order to make a determination of the home’s market valueWe provided Mr [redacted] with a copy of the appraiser report prior to the closing of his home loan, as required by federal Regulation BFurther, neither the seller of the property nor the seller’s realtor had declared any defects in the propertyA home inspector evaluated the structure, construction, and mechanical system of the home including the foundation and floorsThe inspector also provides an approximate price or estimate of repair that may be neededMr [redacted] did not request a home inspection prior to the purchase of his homeMr [redacted] advised us of the cracks in the foundation of his home approximately three months after the closing of his loanAs noted above, we had no prior knowledge of this issue Mr [redacted] claim that VITEK Mortgage Group has taken no action in response to his concerns, Including the flooring of his home as a result of heavy rainstorms in Northern CaliforniaTo the contrary, our Servicing Department has been in routine contact with Mr [redacted] once we were informed us of cracks in the home foundation We also provided guidance on who Mr [redacted] should call for additional assistance, and provided written information on loss mitigation options since he has indicated he no longer wants to remain in the home We encourage Mr [redacted] to continue to work with our loan servicing representatives to resolve his issue at hand Please contact me should you have any questions regarding this letter Sincerely [redacted] Chief Compliance Officer

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below We have agreed to take delivery on the Hot Tub due to the fact that we would lose our $deposit if we did not accept the delivery I am very disappointed that we were lied to about our ability to get our deposit back if we chose not to move forward with the Hot Tub The sales rep in this case was very unethical Once the Hot Tub is delivered we plan to no longer do business with this company Regards, [redacted] ***

I am rejecting this response because: Because the mortgage company owns the house not the realtorI contact the Leander who who approved the loan in October about the cracks in the house and they kept passing the buckNot trying to take responsibility at allWhy would I continue contact the realtorThat's what these mortgage companies doSo they are just making excuses

Response: We have talked with the customer and worked everything outCustomers tub is being delivered OctComplaint has been resolvedThanks, *** *** Southern Comfort Hot Tubs Sent on: 10/12/5:08:PM

Response:It is unknown when the borrower first noticed cracks in the foundation after purchasing his homeWhen we were notified, the borrower was advised to contact the realtor in accordance with the purchase contractOur loan servicing department began working with the borrower when we were
informed of the flooding damage to the homeInformation regarding various loss mitigation options were provided to the borrowerAn inspection of the home has also been made to assess the damage and to obtain bids for repairsWe will continue to work with the borrower to determine available options for making repairs to the home, and to mitigate potential loss.Sent on: 2/15/7:07:PMSent by:

Re:  Consumer complaint #11939524         [redacted]   I am writing in response to your letter dated February 16, 2017, wherein you provided additional Information from Mr. [redacted] regarding our response to the complaint he filed with your on January 16, 2017.   To clarify, Mr. [redacted] owns his home, not VITEK Mortgage Group.   VITEK Mortgage Group provided the financing for Mr. [redacted]’s home purchase. The loan was made in accordance with Veteran’s Administration home loan underwriting guidelines. The home appraisal was performed by a VA-certified appraiser, as is required by these guidelines. A home appraiser typically does not include a home inspection, and this was noted by the appraiser in the appraiser report. The Appraiser observed accessible areas to the home in order to make a determination of the home’s market value. We provided Mr. [redacted] with a copy of the appraiser report prior to the closing of his home loan, as required by federal Regulation B. Further, neither the seller of the property nor the seller’s realtor had declared any defects in the property. A home inspector evaluated the structure, construction, and mechanical system of the home including the foundation and floors. The inspector also provides an approximate price or estimate of repair that may be needed. Mr. [redacted] did not request a home inspection prior to the purchase of his home. Mr. [redacted] advised us of the cracks in the foundation of his home approximately three months after the closing of his loan. As noted above, we had no prior knowledge of this issue Mr. [redacted] claim that VITEK Mortgage Group has taken no action in response to his concerns, Including the flooring of his home as a result of heavy rainstorms in Northern California. To the contrary, our Servicing Department has been in routine contact with Mr. [redacted] once we were informed us of cracks in the home foundation.  We also provided guidance on who Mr. [redacted] should call for additional assistance, and provided written information on loss mitigation options since he has indicated he no longer wants to remain in the home.   We encourage Mr. [redacted] to continue to work with our loan servicing representatives to resolve his issue at hand.                                                                                                                     Please contact me should you have any questions regarding this letter.   Sincerely   [redacted] Chief Compliance Officer

Revdex.com:
I have reviewed the response made by the business in...

reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
We have agreed to take delivery on the Hot Tub due to the fact that we would lose our $1700 deposit if we did not accept the delivery.  I am very disappointed that we were lied to about our ability to get our deposit back if we chose not to move forward with the Hot Tub.  The sales rep in this case was very unethical.  Once the Hot Tub is delivered we plan to no longer do business with this company.
Regards,
[redacted]