U K Furniture Outlet

I have spoken with a representative with the company regarding a refundI was promised a full refund within daysIf this occurs I will gladly accept the resolution for this complaint.
Regarding complaint ID ***.
Regards,
*** ***

This letter is in response to the consumer complaint submitted by *** ***, complaint ID # *** received June 8th, Nation’s Lending Corporation (“NLC”) has spoken with the complainant in order to fully and promptly address the situationUpon receiving the complaint, NLC management
reached out to both the borrower and loan officer to obtain a complete understanding of the issue at handPer the complaint the borrower requested a refund of the appraisal charge that was paid to the appraisal management company and months of compensation for time spent providing documentation For various reasons, some loan applications can become more complicated and time consuming than others. This particular loan file had several issues, but NLC feels the loan officer worked diligently to resolve these issues in a timely manner and NLC does not feel at fault to compensate for the borrower’s time spent addressing these issues However, after reviewing the loan file notes, NLC management does feel that the complainant addressed concerns regarding his credit profile before the appraisal was orderedIn conclusion, out of goodwill for the miscommunication, Nations Lending will cover the cost of the appraisal fee that was ordered through the third party vendor. Our Goal at NLC is to provide a positive customer experience no matter the end result of a loan applicationWe take all customer complaints very seriously and work to resolve each issue both swiftly and efficiently

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
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*** 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***; 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*** and NLC to court then so be it; I am prepared to do soRight before I got off the phone with MrP*** 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*** 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*** 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,
*** ***

(The following was copy/paste by Revdex.com staff - LST)*** *** * *** ***Revdex.comEuclid Ave., 4th FloorCleveland, Ohio 44115Regarding # ***This letter is in response to the complaint submitted from the consumer* *** *** Upon receiving the concern, a member of Nations Lending Corporation (“NLC”) management team launched an internal investigation of the loan fileThe consumer and her spouse were contacted to gain a better understanding of their concerns.At NLC, part of the Vendor Management process is to approve all title companies prior to authorizing the closing of any loanWhen it was discovered that two separate title companies were being used for this transaction, NLC took immediate action to work towards getting the title company used by the seller, approvedOnce the title company is approved, the loan can proceed to closingThe delay associated with this loan was due to the title company not releasing the necessary information to get approved in a timely mannerAlthough NLC works diligently to close a mortgage by the purchase contract date, there are many circumstances such as this, that can arise and delay the loan closing.At NLC, we take all consumer concerns very serious and our goal is to provide a positive experience. Privacy of all consumers is of the highest importance at NLC, hence not responding to the original complaint not filed by the consumer herselfNLC has also opened an internal review of the consumer stating they received closing documents not pertaining to their loanNLC management has contacted the consumer and discussed the conclusion of their concerns.

In Regards to Complaint # *** Revdex.com *** ***- Dispute Resolution Specialist Euclid Ave., 4th FlCleveland, Ohio 44115- Carolyn B*** Nations Lending Corporation Summit Park DrIndependence, Ohio This letter is in response to the
consumer complaint submitted by *** ***, complaint ID # ***Nations’ Lending Corporation (“NLC”) has spoken with the complainant in order to fully understand and address the situation and determined that there was a miscommunication between the loan officer and borrower during the loan process regarding the borrowers’ F-*** work statusWhile it is unfortunate this issue occurred NLC has concluded that the borrower will be refunded $1,and will close out this issue. At Nations Lending Corporation, we take all consumer complaints seriously and strive to provide a positive experience. We thank the complainant for bringing this issue to our attention so we can learn and grow from the experience. Sincerely, Carolyn B***

[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,
*** ***

Please find the attached

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Revdex.com *** ***- Dispute Resolution SpecialistEuclid., 4th FloorCleveland, Ohio 44115-2408 Regarding: Complaint ID # *** 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 previously responded to the concerns of the consumer. We have reviewed this matter and determined that none of the information has changed since the thorough investigation was completedNations Lending Corporation stands by the initial response provided to the consumer

(The following was copy/paste by Revdex.com staff - LST)***Revdex.comEuclid Ave, 4th FlCleveland, OH 44115-2408RE: 124125226Attention: *** ***Nations Lending Corporation (“NLC”) has reviewed and investigated the Revdex.com complaint filed by Douglas S*The
consumer and all parties involved were contacted to gain a better understanding of the concerns raised.After a thorough review of the concerns, it was determined that the consumer was informed correctly and NLC does have a 5-year rate guarantee, and a high percentage of our loans are held in portfolio and sub-serviced through ***NLC confirmed that the rate was locked in June, however, there was a delay in the loan process because the consumer had not decided on a final loan amountDuring this time, the loan was being processed and the appraisal report was ordered and completedOnce the final loan amount was decided, the loan file proceeded to underwriting to be reviewed for loan approval.It was discovered through NLC’s research that the loan processor assigned to the loan was under the impression that due to the property being a manufactured home with an attached porch, an engineering cert was requiredIt was later verified, that the State of Washington only requires an inspection to be approved by the Washington State Deptof Labor and IndustriesOnce NLC became aware of the misunderstanding, NLC management reached out to the consumer in an effort to rectify this matter and continue to move forward with the loan processThe consumer declined and decided to withdraw and transfer the loan to another mortgage lenderThe VA case number and appraisal report were both transferred successfully prior to NLC receiving the Revdex.com concern.Nations Lending Corporation takes all consumer concerns seriously and works diligently to resolve each issue in a timely fashionNLC Management contacted the consumer to inform them that the $fee for the Engineering Cert will be reimbursed, and to ensure that all their concerns have been addressed

*** *** *** *** ** *** *** * ***From: Luann *** Date: Tue, Jul 25, at 2:PMSubject: Re: Cleveland Revdex.com re: complaint #***To: Lou *** Dear Sir: All ownership information was presented to and verified by copies of land deeds, etc, to NLC at the very beginning of the loan application My husband and I were the first owners in and paid off the mortgage on August 11, Then we transferred ownership to our daughter, Rebecca *** *** on April 12, Another mortgage was taken on this property by my daughter and we paid her off and re-titled the property back to us on January 25, My husband and I have lived on this property continuously during these transactions Our chief complaint in this matter is that NLC was completely aware of this situation and still lead us to believe if we did all requirements to meet *** specifications we would be granted the loan that we so desperately needed

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*** ***
*** *** ***
*** *** ***Regarding complaint ID # ***This letter is in response to the Revdex.com
complaint submitted by the consumer on 11/20/17. Nations Lending Corporation (“NLC”) received the complaint on 1/3/and a member of the management team immediately began researching the consumers concerns. When contacting the consumer regarding the concerns, she stated that this matter was handled promptly, prior to NLC receiving the filed complaint. The borrower mistakenly believed that the Personal Mortgage Advisor (“PMA”) chose the appraisal company to appraise her property. At NLC, all conventional appraisal orders are submitted through an approved third-party Appraisal Management Company (“AMC”). The AMC works with a list of approved Appraisers and selects an Appraiser qualified to complete the appraisal report. The fee associated with the appraisal is based on many variables, including property location, property type, etc. When the consumer began the loan process with NLC, the PMA provided her with initial documentation quoting $for the completion of an appraisal report, considering many of those same variables. As it turned out, the cost provided by the AMC was only $600. Following the completion of the property inspection, the Appraiser noted the consumer did not own the land. As a result, the consumer did not meet the required conventional guidelines for a manufactured home to proceed with the loan. NLC does not instruct any consumer not to make their obligatory monthly mortgage payment to their current lender during the loan process. NLC takes pride in providing excellent customer service and a positive consumer experience. When the Branch Manager got involved and discussed the circumstances with the consumer, he realized a question could have been asked at the time of application that would have prevented the appraisal all together. For that reason and in good will, he promptly refunded the cost of the appraisal to the consumer. A member of NLC management team followed up with the consumer and she is thoroughly satisfied that this concern was resolved prior to NLC receiving her filed complaint

In regards to complaint ID # ***
Revdex.com, Inc
*** *** - Dispute Resolution Specialist
Euclid Avenue, 4th Floor
Cleveland, OH 44115-
This letter is in response to the consumer complaint related
to *** ***, complaint ID ***.
Nation’s
Lending Corporation (“NLC”) has spoken with the complainant and
investigated the complaint internally in order to fully and promptly address
the situation
After speaking with the complainant and reviewing his concerns
related to the transaction, it was determined there was a breakdown in
communication. As soon as the
underwriter conditioned for the Sherriff’s deed, the deed should have been
requested from the borrower and reviewed immediately. Had the deed been reviewed immediately by NLC
staff, the borrower would have been informed he did not qualify for the
loan. Thus, the borrower would not have
been out his $in earnest money
After careful consideration and review, NLC has decided to
refund the borrower the requested amount of $he spent on his earnest money
deposit.
At Nations Lending Corporation, we strive to provide a
superior customer service experience and we apologize that this potential borrower
did not receive an experience that meets our high standards
Thank you for your time in this matter
Sincerely,
Scott I***

*** *** *** *** ** *** *** * ***From: Luann *** Date: Thu, Jul 20, at 3:PMSubject: Re: You have a new message from the Revdex.com serving Greater Cleveland regarding complaint #***.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 *** *** *** ** *** 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 ***, and find that this resolution is satisfactory to me.?
Regards,
*** ***

Revdex.com ? *** *** Dispute Resolution Specialist Euclid Ave., 4th Fl Cleveland, OH 44115-? Regarding complaint ID # *** ? Nations Lending Corporation (“NLC”) has received and investigated the Revdex.com complaint filed by the consumer,
*** ***.? 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?

(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***Customer Solutions Manager*** * ***
*** * *** *** *** ***

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*** ***
*** *** ***
*** *** ***
*** *** ***
*** *** ** * ***Nations Lending Corporation
(“NLC”) has reviewed and investigated the Better BusinessBureau complaint filed by the consumer on 11/17/17, and received by NLC managementon 1/3/To further understand the consumers concern, a member of managementmade several attempts to speak to the consumer, however, no call was returned.Management then reached out to all parties involved to get an understanding of thismatter.When the consumer began the loan process with NLC, an initial credit report was pulledwith no indication that the consumer had an existing FHA loanAs NLC continuedreview of the loan file and proceeded towards loan approval, a Credit SupplementReport was pulled as one of the last requirements prior to issuing a final loan approval.When reviewing the Credit Supplement Report, the consumers current mortgageappeared as an FHA mortgage loanPer FHA guidelines, a consumer cannot have morethan one FHA mortgage loan simultaneously, unless they meet one of the fewexceptions, which the consumer did notAs a result, the consumer was not eligible foran FHA loanThe Personal Mortgage Advisor and Branch manager made many attemptsto speak to the consumer regarding other loan options, however, no contact wassuccessfully made.Nations Lending Corporation takes pride in treating all consumers with high regard andproviding a positive experienceShould the consumer choose to contact NLC, we aremore than willing to continue working with them to consider their loan options

This letter is in response to the consumer complaint submitted by *** ***, complaint ID # *** received June 7th, 2016.? Nation’s Lending Corporation (“NLC”) and its management team is still actively investigating the claims made by the complainant as of June 14th, 2016.? NLC
prides itself on helping our country’s bravest souls achieve the American dream of homeownership.? We take the claims made by the complainant very seriously and will diligently investigate the issue at hand