U K Furniture Outlet

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below I have been advised by my lawyers to not speak to anyone who directly works for NLCDue to the fact that absolutely no one contacted us regarding the original closing date on MAY 2016; I am seeking repayment of the money I spent to get a special Power of Attorney and fly my wife home for the closingI repeatedly checked the date of the closing before we purchased the plane ticketAgain NOT ONE PERSON contacted us to let us know that NLC could not meet the deadline of the closingWhile my wife was home we spent time and money running around town to obtain Verification of Employment documents for this loanOne document we had to get twiceMrP [redacted] rejected it because he said that we need to only prove years of work history and that the years of proof of work history was not acceptable(YES you read that right)So my wife had to drive to get the same document twice proving years of work history instead of In the end we come to find out that specific document was not even considered for my "loan"My wife drove around town a few days in a row getting these documents for no reason.? Also on JUN 2016; I was promised and given a verbal guarantee by MrP***'s manager, Nick P [redacted] ; that he would pay my closing cost if my mortgage payment in my (new) current loan was less than $1300.00/monthI explained to him that my new mortgage payment for my new loan was $1,134.00/monthHe said that is impossible and that there's no way that's trueAnd if it does prove to be true; he said he would personally pay my closing costs of my new, current loanI told him absolutely I will accept that verbal agreement and he agreed and even assured me of the agreement citing that the phone call was being recordedI said that's great I am going to hold you to your word and I would also like that agreement in writingHe assured me that he would email me the agreement and put it in writingI asked him if he needed my email address and he said no he already had it on fileI am still awaiting his written agreement and I absolutely plan to hold him to his wordIf I have to take MrP [redacted] and NLC to court then so be it; I am prepared to do soRight before I got off the phone with MrP [redacted] he assured me that no one from NLC would be talking to me again without a lawyer presentNo lie several minutes after I get off the phone with him; I get contacted by one of MrP [redacted] employees and he wants to know what the deal is and what we just spoke aboutThis ONCE AGAIN goes to show the lack of respect MrP [redacted] and the employees of NLC have for my privacyThey repeatedly continue to violate my privacy and the privacy of our conversationsIt simply does not matter to them and they feel that they can get away with consistently treating a customer like this.? I want my money for my closing costs and the money for the plane ticket, mileage and fuel used while running around town trying to obtain documents they knew they didn't need Regards, [redacted] ***

After filing our initial response, NLC management was able to complete an in-depth? review of the filed complaint.? The loan officer, branch manager, and support staff associated with the loan were interviewed to clarify the situation and allow NLC Management to gain a better understanding of what happened.? In order to fully complete the investigation, NLC management needed to speak with the borrower in more detail.? ? Management attempted to reach the complainant? multiple times and eventually he? responded via email.? Mr [redacted] declined? and stated that he was "advised by both my lawyers not to speak with anyone from NLC."

[redacted] From: Luann [redacted] < [redacted] >Date: Thu, Jul 20, at 3:PMSubject: Re: You have a new message from the Revdex.com serving Greater Cleveland regarding complaint # [redacted] .To: Revdex.com On Friday July 14, I received a check in the mail from NLC Loans for $? It was their solution towards resolving my complaint? However, I do not intend to cash this check, the amount involved does in no way compensate for what this company has cost me and my husband? I also have filed a consumer fraud complaint with the [redacted] ? There are many fabrications ongoing with their account of monies intended to disburse even now? I have stated that I do not accept their resolution and intend to pursue this issue to the utmost? I would like to know if the Revdex.com intends to follow up this case

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below Nations Lending absolutely does not take privacy at the highest concernTheir mortgage banker sent us documents which contained a different customer's personal identifying information by accident and dismissed it like it was some every day occurrence.? While I do appreciate the extra layer of security in due diligence, the contingencies for not closing on time were not put in placeThe seller's decision in choosing the title company to represent them was known well in advance, and Nations Lending is treating this as if it were some freak occurrenceThis is a lot more common than they dismiss this to beFurthermore, as part of Nations Lending's process, they asked the social security number for each employee in the seller's title companyThe fact that they did not have enough foresight to think that this would be met with resistance is careless, negligent, and irresponsible on their partClosing dates should be a priority for their customerHaving known this well in advance, and using just a little common sense to anticipate the title company would be hesitant to offer this information to Nations Lending, it is the responsibility of Nations Lending to have contingencies by preparing a buyer side title company.To add insult to injury and rub salt in the wound, the mortgage banker did not inform us that the buyer's side title company was scheduled to show up at 3PM instead of 1PMWe came to the closing table at 1PM looking like fools as we waited for our closing company's rep to show upAs Nations Lending supposedly prides itself on excellent customer satisfaction, the lack of customer satisfaction in this whole ordeal is appallingAfter my husband made this extremely clear to the Nations Lending's rep on the phone, the rep still insisted that Nations Lending provides excellent customer satisfaction despite him telling her that we are highly, highly dissatisfiedMoreover, after trying to get Nations Lending to admit that they do not provide excellent customer satisfaction, and hoping for some sort of compensation for the financial hardship that we experienced, Nations Lending is still adamant that they were not to blame and that they did not provide anything but excellent customer satisfactionThis is not only bad business practice but highly immoral of them to not own up to their mistakes, especially when the mortgage banker's boss admitted that they dropped the ball.? Regards, [redacted] ?

Per Revdex.com phone conversation with Nations Lending:The consumer did not receive loan, however title company issued a surveyor out to property without discussing with lender or consumer? Once the issue with the surveyor was resolved, the consumer received her earnest monies back

Revdex.com? [redacted] ***- Dispute Resolution SpecialistEuclid., 4th FloorCleveland, Ohio 44115-2408? Regarding: Complaint ID # [redacted] ? Immediately after Nations Lending Corporation (“NLC”) received the filed concern, a member of NLC management launched an internal investigation.? The loan file was reviewed and the loan officer and consumer were contacted to obtain a better understanding of the concerns.As indicated in the complaint, the consumer had a discussion with the loan officer requesting NLC send a Notary to their home to provide and sign the initial loan disclosures.? During the loan process, there were concerns of how the property was titled and NLC was unable to verify that until the preliminary title and appraisal were received.? The consumers concern stems from a miscommunication regarding the property ownership.? Due to the circumstance, out of goodwill for the consumer, NLC has decided to reimburse them for the third-party appraisal fee.? ? ? Nations Lending Corporation takes all consumer concerns seriously and works diligently to resolve each one in a timely fashionOur goal is to provide a positive consumer experience, no matter the result of a loan application.? ? ?

Nations Lending Corporation (“NLC”) received the submitted concern, and a member of the management team immediately began a review of the loan file.? ? NLC considers all allegations of exploitation very seriously, and respects all consumers regardless of age.? We conduct business in a professional manner and treat all consumers equally.? NLC is committed to helping our veterans achieve their dream of homeownership.? ? On the appraisal report, the appraiser noted that home improvements would need to be made to satisfy [redacted] guidelines.? NLC does not appraise homes nor does it determine values, condition or any improvements associated with homes to determine their eligibility for any program that NLC offers to its customers.? Those improvements were not required by NLC, nor did NLC direct the consumers to physically complete those repairs on their own.? ? In addition to the appraisal issue, it was determined while the loan was moving thru the process, the title company discovered that the consumer owned the land for many years, but title was not in their name the entire time.? Title ownership recently changed into their name, but was not in the consumer’s name for the previous months.? The program that the borrower had been applying for requires the borrower to be on title to the property for the previous months? Nations Lending Corporation takes pride in treating all consumers with high regards and providing a positive experienceAfter review of the file, NLC has determined that other than the initial appraisal amount of $there should not have been any additional charges to the borrowers and those fees have been refunded.? We have informed the consumer that we would be happy to review a new application once the month vesting in title requirement is met.? ? ? ?

[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? I do have a couple of comments regarding this resolution? The letter implies that the delays in processing were due to my indecision over the loan amount, which is not true? Additionally, they claim that they transferred the appraisal and necessary loan information prior to the Revdex.com complaint? This, too, is not true? I had to go through the VA directly - which I can prove with documentation - a month AFTER I requested the transfer in order to get the appraisal sent to my new agent to continue the process? I am not happy with NLCs characterization of these events, and their unwillingness to accept fault in this.Having said this, however, I am happy that they have admitted their fault in requiring an engineering inspection that was not necessary, and that they have refunded me the cost of that inspection Regards, [redacted] ***

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]

Revdex.com Nicole ***-Dispute Resolution Team Member Euclid Ave., 4th FlCleveland, Ohio 44115-RE: Complaint ID # [redacted] Nations Lending Corporation (“NLC”) has reviewed and investigated the Revdex.com concern filed by the consumerBoth the loan officer and consumer were contacted in an effort to gain a better understanding of the concerns raisedAfter a thorough review, NLC management determined that the subject property had been built within the same year the consumer completed the loan application with NLC.? Due to the time frame, the home did not meet an FHA guideline requiring a month seasoning of newly constructed homesA follow up was scheduled for the beginning of March.? However, due to unforeseen circumstances, the loan officer was out of the office and was unaware that the borrower had reached out to continue his loan applicationOnce the loan officer returned, he reached out to the consumer to continue the loan process with NLC, but the consumer had already initiated a loan with a different lenderDue to the circumstance regarding the FHA guideline, NLC has decided to refund the third party appraisal fee back to the consumer Our goal at NLC is to provide a positive customer experience, no matter the end result of a loan application isWe take all consumer concerns very seriously and apply those concerns into our work environment to avoid these issues in future circumstances? Carolyn [redacted] Customer Solution Analyst [redacted] Tell us why here

(The following was copy/paste by Revdex.com staff - LST)***Nations Lending Corporation “NLC” has reviewed the complaint submitted to the Revdex.com.? Since the complaint was submitted by a non-borrower, due to privacy laws, NLC is unable to discuss details of the loanConsumer privacy is of the highest importance at NLC.? Sarah P [redacted] Customer Solutions Manager [redacted] ***

Revdex.com [redacted] Dispute Resolution Specialist Euclid Ave., 4th Fl Cleveland, OH 44115- Regarding complaint ID # [redacted] Nations Lending Corporation (“NLC”) has received and investigated the Revdex.com complaint filed by the consumer, [redacted] . At the time the concern was received via the Revdex.com, a member of the NLC management team was already in review of the loan after being contacted directly by the consumer In 2016, the consumer began a loan application with a branch of Nations Lending. Once it was discovered that NLC could not proceed with closing the current loan, the consumer contacted the branch requesting reimbursement of her third-party appraisal fee. After speaking with the branch manager, it was agreed that the consumer would receive a refund of $and the check was sent to the mailing address listed on her signed loan application. The branch was not aware the consumer never received the check until the consumer later contacted them in It was discovered that the property address was incorrect, and the issue was quickly rectified by mailing another check to the newly confirmed address. During this time, the consumer was also in contact with NLC management who spoke with the consumer to confirm receipt of the checkDuring that conversation, she requested the full refund for her appraisal due to recently discovering she had previously received an NLC Loans Year Rate Guarantee for her prior loan. At the time of loan application in 2016, the Personal Mortgage Advisor was unaware that the consumer’s prior loan was through NLC, and the consumer had made no mention of the 5-year loan guarantee program. Because of the misunderstanding, NLC issued a full appraisal refund back to the consumer At NLC, we take all consumer concerns very serious and our goal is to provide a positive experience. A member of the management team reached out to the consumer and verified that she is fully satisfied

[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Per Revdex.com phone conversation with Nations Lending:The consumer did not receive loan, however title company issued a surveyor out to property without discussing with lender or consumer Once the issue with the surveyor was resolved, the consumer received her earnest monies back

Per conversation with consumer:She received her money back and is satisfied with matter

After filing our initial response, NLC management was able to complete an in-depth review of the filed complaint. The loan officer, branch manager, and support staff associated with the loan were interviewed to clarify the situation and allow NLC Management to gain a better understanding of what happened. In order to fully complete the investigation, NLC management needed to speak with the borrower in more detail. Management attempted to reach the complainant multiple times and eventually he responded via email. Mr*** declined and stated that he was "advised by both my lawyers not to speak with anyone from NLC."

Revdex.com Nicole ***-Dispute Resolution Team Member Euclid Ave., 4th FlCleveland, Ohio 44115-RE: Complaint ID # ***
* Nations Lending Corporation (“NLC”) has reviewed and investigated the Revdex.com concern filed by the consumerBoth the loan officer
and consumer were contacted in an effort to gain a better understanding of the concerns raisedAfter a thorough review, NLC management determined that the subject property had been built within the same year the consumer completed the loan application with NLC. Due to the time frame, the home did not meet an FHA guideline requiring a month seasoning of newly constructed homesA follow up was scheduled for the beginning of March. However, due to unforeseen circumstances, the loan officer was out of the office and was unaware that the borrower had reached out to continue his loan applicationOnce the loan officer returned, he reached out to the consumer to continue the loan process with NLC, but the consumer had already initiated a loan with a different lenderDue to the circumstance regarding the FHA guideline, NLC has decided to refund the third party appraisal fee back to the consumer Our goal at NLC is to provide a positive customer experience, no matter the end result of a loan application isWe take all consumer concerns very seriously and apply those concerns into our work environment to avoid these issues in future circumstances Carolyn *** Customer Solution Analyst *** Tell us why here

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
Nations Lending absolutely does not take privacy at the highest concernTheir mortgage banker sent us documents which contained a different customer's personal identifying information by accident and dismissed it like it was some every day occurrence. While I do appreciate the extra layer of security in due diligence, the contingencies for not closing on time were not put in placeThe seller's decision in choosing the title company to represent them was known well in advance, and Nations Lending is treating this as if it were some freak occurrenceThis is a lot more common than they dismiss this to beFurthermore, as part of Nations Lending's process, they asked the social security number for each employee in the seller's title companyThe fact that they did not have enough foresight to think that this would be met with resistance is careless, negligent, and irresponsible on their partClosing dates should be a priority for their customerHaving known this well in advance, and using just a little common sense to anticipate the title company would be hesitant to offer this information to Nations Lending, it is the responsibility of Nations Lending to have contingencies by preparing a buyer side title company.To add insult to injury and rub salt in the wound, the mortgage banker did not inform us that the buyer's side title company was scheduled to show up at 3PM instead of 1PMWe came to the closing table at 1PM looking like fools as we waited for our closing company's rep to show upAs Nations Lending supposedly prides itself on excellent customer satisfaction, the lack of customer satisfaction in this whole ordeal is appallingAfter my husband made this extremely clear to the Nations Lending's rep on the phone, the rep still insisted that Nations Lending provides excellent customer satisfaction despite him telling her that we are highly, highly dissatisfiedMoreover, after trying to get Nations Lending to admit that they do not provide excellent customer satisfaction, and hoping for some sort of compensation for the financial hardship that we experienced, Nations Lending is still adamant that they were not to blame and that they did not provide anything but excellent customer satisfactionThis is not only bad business practice but highly immoral of them to not own up to their mistakes, especially when the mortgage banker's boss admitted that they dropped the ball.
Regards,
*** ***

Nations Lending Corporation (“NLC”) received the submitted concern, and a member of the management team immediately began a review of the loan file. NLC considers all allegations of exploitation very seriously, and respects all consumers regardless of age. We conduct business in a
professional manner and treat all consumers equally. NLC is committed to helping our veterans achieve their dream of homeownership. On the appraisal report, the appraiser noted that home improvements would need to be made to satisfy *** guidelines. NLC does not appraise homes nor does it determine values, condition or any improvements associated with homes to determine their eligibility for any program that NLC offers to its customers. Those improvements were not required by NLC, nor did NLC direct the consumers to physically complete those repairs on their own. In addition to the appraisal issue, it was determined while the loan was moving thru the process, the title company discovered that the consumer owned the land for many years, but title was not in their name the entire time. Title ownership recently changed into their name, but was not in the consumer’s name for the previous months. The program that the borrower had been applying for requires the borrower to be on title to the property for the previous months Nations Lending Corporation takes pride in treating all consumers with high regards and providing a positive experienceAfter review of the file, NLC has determined that other than the initial appraisal amount of $there should not have been any additional charges to the borrowers and those fees have been refunded. We have informed the consumer that we would be happy to review a new application once the month vesting in title requirement is met.

This business response was received by Revdex.com via email and is a copy paste by **; please also refer to the attached document. Revdex.com *** ***Dispute Resolution SpecialistEuclid Ave Cleveland, Ohio 44115-2408 Regarding complaint ID # *** Nations
Lending Corporation (“NLC”) has reviewed and investigated the Revdex.com complaint filed by the consumer. Upon investigating the concerns, NLC discovered the concerns had been rectified prior to receiving the Revdex.com complaint. During the loan process, the consumer informed the Personal Mortgage Advisor (“PMA”) of their unique situation, having parcels with separate tax bills. The consumer was instructed by the PMA to provide both tax bills to NLC to assure proper disbursement of funds. Following the closing of the loan, the consumer received a notice of delinquency for one of the tax bills. Being that NLC handles the servicing of the loan, NLC management immediately looked in to the servicing and was able to resolve the issue promptly, with no penalty or additional fees to the consumer. NLC has resolved this matter to the best of our knowledge and confirmed there are no outstanding payments due for either parcel. NLC takes all concerns very serious and strives to provide each consumer with a positive experience. A member of NLC management contacted the consumer and confirmed they are satisfied with the resolution.