United Fund Mortgage and Reality Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 emails and recorded calls guaranteeing we were closing multiple timesDocs wete even sent to our homeCome to find out United Fund never obtained the loan as they were trying to get a loan we could not be approved through the VAWe were told not to pay our mortgage multiple months by *** S *** and *** ***es*** said he would pay the late fees due to the fact we were told on multiple occasions we were closing and in fact we were not*** then got involved from their company and informed us they never had us funded snd should never have tried the VA We tried calling her back on multiple o ccassions to find out she eas released from company United Fund and *** S *** guaranteed us not to stress and let th hem take care of everything It was all a scam and months of stress and lies*** ***es and his team then tried intimidating us and threatened me and also demeaned me for having Cancer This company is beyond unethical and has a history of this type of behavior as they wete previously known under another name with complaintswe have also contacted the Real Estate Board for unethical practices as we have all the documentationAlso their own bank lender that sent us the docs warned us not to work with them and had someone else call us Every month we were told we were closing but they never came throughThey ran our credit multiple times They have made life a nightmare along with we are worried about identity theft as they used a credit card without authorization as we were never approved for a loanWe want to be reimbursed for the severe problems they caused as we have the documentation.
Regards,
*** ***

On the points of the customer complaint, borrower ***
***, we respond as follows:
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United Fund Mortgage and Realty Inc(UFMRI)
never guarantees a loan. A mortgage shall be funded based on many
criteriaSome of the criteria include borrower income, credit, debt load, and
home value
2.
UFMRI facilitated an appraisal request ordered by the borrowerThe credit card transaction was never contestedThe appraisal services were rendered
3.
UFMRI does not advise non-payment of mortgage
paymentsWe did not give such advice in this situation
4.
UFMRI does not and cannot guarantee payment of
debtsHowever, debts may be authorized for payoff as part of a funded loanNo
such loan was funded with borrower
5.
UFMRI licenses are a matter of public record
Specifically, United Fund Mortgage and Realty Incmay be successfully found:
a. At
the California Secretary of State, list of corporations
b. At
the Bureau of Real Estate, where one may inspect our license number ***
c. At
the NMLS licensing agency, where one may inspect our license number ***
d. Further,
we are licensed by the City of Santa Ana to conduct business at our current
location

Hello ***,
sans-serif;">We’ve clarified any misunderstanding that there may have been to Mr***’ satisfactionWe believe this issue to be closed
*** ***
*** Voice
*** Fax
***

We have had a discussion with our customer and have resolved outstanding issuesThank you for bringing this to our attention

Review: I have been dealing with this company for many months they nevr call

you back when they say. I started out working with a young man named [redacted] who abruptly left and called me and said to get away from this company because they do a lot o illegal things. Needless to

say I stayed and worked with a young man named [redacted] at

1-657-[redacted]. He wanted everything faxed to him and promised to

pay the $150 to me. I called numerous times I was told not to pay my

mortgage and I would not have to pay it for 2 months wrong.. They

finally got going on the paperwork and at the last minute were

questioning Bank of America notice on my redit repot where a

charge o $5000 was written o and I have not had any nit from them since 2012 fellow at United Fund named [redacted] told me not to worry

about it they would take care of it. I am getting notices from a collection agency and calls all the time. I did manage to get ol

of [redacted] and he told me [redacted] said ignorehemand pretend they

had the wrong number. I have shown this paperwork to other

people and [redacted] told I was taken to the cleaners. They will not

return calls and no communication.Desired Settlement: I wish to have the B of A charge taken care of like they said. The $150

charge for the fax copies taken care of like I was told. Return of charges approx $3000. that I was told This needs to be taken care of.

Review: The phone number ###-###-#### has called me nearly every day for a month. Today the person told me he was [redacted] from United Fund Reality in Santa Ana wanting to refinance my home loan. Various times over the month I have talked the person telling them to never call me back for which they immediately hang up. Today I asked to talk to "[redacted]'s" supervisor only to get hung up on. This is my cell phone. They never leave a message, and I have no way to keep them from calling me. [redacted]Desired Settlement: Stop calling me and hopefully save others the same pain

Business

Response:

We have put Mr. [redacted]'s cell phone on our do not cal list.

Review: United Fund Mortgage [redacted] and [redacted] on multiple occassions guaranteed we were closing our refi weekly. We have multiple emails from [redacted] we were closing and docs even came to our home. [redacted] in email and calls told us not to pay our mortgage to Wells Fargo ( we had a perfect record) because we were to be closing. This happened for 6 months in a row causing late fees and late reporting. [redacted] would call and tell my family to let him do the worrying and stress as he knew my wife was going through cancer and multiple surgeries. They p[redacted]ed on us with their run arounds. We asked for them to provide their licenses and they would not give them to us. [redacted] put in writting and in a call they were going to fix a couple things to push through and we found out they ordered our credit reports from Freecredit.com. They had us pay for an appraisel through the VA and blamed it on the VA and portal when in fact they never had a loan approved. A bank sent us closing docs however when we called the escrow agent he told us not to work with these guys and can he get us to someone more professional. For 6 months we had to call and email as they kept coming up with excuses and causing severe duress and stress on my family. When my wife called [redacted] out for the last time he attacked her for having cancer and ridiculed her for it. This company is a complete fraud and they do not know what they are doing. They cost us a lot of money and time, damage to our credit, stress, and duress.Desired Settlement: Refund for Late Payments to Wells Fargo $863.52

6 Months of promised closing payments $18,230.04

Refund for appraisal $450

a written letter of apology to my family for the unethical conduct and duress they caused during a very stressful time.

Review: [redacted] was our Loan Consultant. His work Ethic is 0. He doesn't call back in a timely manner. He promises you refunds of appraisals then doesn't follow through. I had to leave him a nasty message in order for him to call me back. He takes extremely long time to get the paper work to the right parties, so by the time the proper party gets the documents I need to give them more current pay stubs, bank statements etc. He has no professionalism or sense of urgency at all. He only worries about his commission and himself. He makes false promises to make the client agree to sign but will not follow through. He even went as far as to ask me to give him a few hundred bucks on the side when we initially bought the house 12/13 now we refinanced to remove the HUD insurance and were promised the full refund of $475 the cost of the appraisal. He also was dealing with my mom and sister [redacted]. We were contacted by the bank that he uses to inform [redacted] that he attempted to deposit a check that was under [redacted] by forging it and his acct was frozen by the bank. He lied and said it was his commission check and payroll had made a mistake. He is not only unprofessional, Shady but NOT TRUST WORTHY. He is a thief and manipulator. His company has been made aware and they back him up saying he did what he was supposed to do. So please be warned this entire company has more than one crooked employee. I will be contacting a Lawyer and trying to press charges. He has way too many personal things going on to focus on his job, but he is concerned about his commission all day long. So since he received his commission already then why should he or the company get paid before I get my checks back. I still have yet to receive my mortgage refund and property tax check. Everything was signed off on 8/25/14 2 days short of 30 days ago.Desired Settlement: I want the money that was promised to me and I want [redacted] Fired. He has no business working with peoples money and trusting someone with no moral character. He needs to know he can not get away with lies and manipulating people that trust him. I also want a Realty Lawyer to read my contract and make sure everything was Legal because at this point I feel I was taken advantage of and made a fool of. He needs to loose his license to consult as he refers to.

Business

Response:

We have had a discussion with our customer and have resolved outstanding issues. Thank you for bringing this to our attention.

Review: I am writing a letter complaint for my [redacted]s he was deceived and lied to thru out the process of the Refinance by Loan Originator named [redacted]. He stated that he was going to take away my PMI which was 249 dollars savings and that is why I wanted to do the refinance. The purpose of the Refinance was to get the PMI off but it didn"t happen in fact my payment went up 20 dollars and I was charged 13,000 added to my loan my rate drop from 4.5 to 4.375 but the PMI was never taken out and no savings what so ever. When I was going to sign the docs I ask [redacted] to explain to me why its not in the papers he stated dont worry it will be in August. He also ask the Notary about the papers she said sign here and she stated I dont speak spanish. In fact I heard her speak Spanish perfectly as I was leaving the room. I was lied to and pressure to sign the Documents. Also We discovered that [redacted] doesn"t have a license to do loans. Please call him in Spanish a Spanish representative because he doesnt speak English.Desired Settlement: I want for [redacted] to be fine and never be able to practice business for deceptive business practices and for not having a Loan Originator License and for lying to inicident people like my Uncle that dont speak english and that have him all the trust and got rip off . I also want to get a refund of all fees charged by United Fund Mortgage and Realty to be given back to me as a cashier Check. He will go to court if

Business

Response:

Hello [redacted],

We’ve clarified any misunderstanding that there may have been to Mr. [redacted]’ satisfaction. We believe this issue to be closed.

[redacted] Voice

[redacted] Fax

Review: [redacted]es and [redacted] S [redacted] called us to refi our mortgage we started working with them. [redacted] guaranteed us a VA loan and charged my credit card without authorized consent for a appraisal through VA when we were not VA qualified. For 5 months [redacted] and [redacted] told us not to pay our mortgage causing late fees. As we have emails and recordings we were to be closing our loan in 1245hours. As we continued not to close we contacted Allen who sent us loan docs. We were referred and emailed not to work with United. We asked for their business licences and they refused to provide. We made attempts to get information. United funds employee [redacted] told us [redacted] didn't know what he was doing. [redacted]es guaranteed to reimburse us for all the late fees due to the emails of them telling us not to pay because we would be closing. [redacted] also guaranteed to pay medical bills and when we asked for proof we got the run around for 6 weeks. We were guaranteed not to stress as Ihave cancer and they knew I am going through treatment. [redacted] sent an email threatening me and demeaning me for having cancer. United fund has lied, made guarantees, caused us to drop in credit, used our credit card without consent, and will not disclose theu are able to operate. This has caused tremendous stress and hurt our credit and our confidential information is in the hands of unprofessional people. This caused us to lose our Refi opportunity through another company because [redacted] S [redacted] emailed multiple times we were closing.Desired Settlement: Refund for nonauthorized consent of a VA appraisal $450.00Refund on all late fees acquired $1232.00Refund for 5 months mortgage $15,660.00

Business

Response:

On the points of the customer complaint, borrower [redacted], we respond as follows:

Review: After I and my wife signed all the documents for closing contract on refinancing my house I notified and fax my cancellation form to the the company the next day. Because I realized it was too expensive. The closing fee was $3,000.00 more than they promised. In order to get my business again Mr.[redacted] the manager offered me a $1,500,discount. After a day of thinking I finally agreed to proceed with the refinancing. In short after everything is finihed except for the discount of $1500.00 which I was told I get it through the mail in ( broker check) the following week.When I did not get the check that day I called Mr [redacted] (my broker from united fund) I only got message machine, I left a message anyway (I called 5 times more) and I got no return call. I called Mr [redacted]es he said he will take care of it. I called several times no answer and got no return call neither.It's been more than a months now since the closing, my account was already tranferred to Well Fargo Bank. The two of them won't answer my calls and no return call either. Now I realized I've been tricked. This is a scam.Desired Settlement: I just want the money they promised me. If not they should not be in business, they do bad business (scammers).

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

As soon as he received (United Fund) the complaint from you (Revdex.com), the regional manager called me and asked me to clarify the issue. He promise to work on it asap. Mr. [redacted], the manager was so helpful and understanding he was very sorry that this happened, he apologize to me. After a week I recieved the check. Because of this settllement I am well satisfied and I would like to retract my complain so it would not reflect bad image on their part. I would like to thank Revdex.com for helping me out I wish there are more trusted agencies like you.

Regards,