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Wissman Door Sales, Inc.

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Reviews Wissman Door Sales, Inc.

Wissman Door Sales, Inc. Reviews (25)

I am sorry but we have met all of our contractual obligations Your issue is with your prior lender, not us I can still offer you $towards your fees You should go after your prior lender for the balance

I have reviewed the documentation that you sent however I am unsure of what exactly your desired response is Unfortunately, there is nothing I can do about the payment due date It is part of the original loan terms and would be the same no matter what FHA lender you decided to utilize Please let me know how I can help and what your desired resolution would be I am willing to do anything that is legally within my power to help you

Complaint: ***
I am rejecting this response because:
What is wrong with you people????!!!!It is not about a late fee, and it is not about what is in the note.I challenged that provision twice with your representative *** ***, and he assured me it was simply an administrative provision to get the mortgage going, and that it would be set to my needs in April 2016.If this had occurred, as stated twice by Mr***, we would not be having this back and forth. No other mortgage interaction I've had has insisted on this cut and dry demand. They worked with us to getthe mortgage in place to their satisfaction and our ability. We are not asking you to waive the fee. We are asking you to let us pay in full on June 17th - as you promised - and set the schedule to every other Friday. We are ableto pay timely scheduled payments, if you let us set up the agreement tomorrow.What policy are you referring to when you say you are not able to make this concession that Mr*** said would be no problem? Is it in writing? I'd like to see that specific portion of your mandates. I wastold by Mr***, that the owner could waive this provision. You'd think it would be done because of the misinformation we received from Mr***, in proof that no fraud was intended on hispart when he clearly advised me that I could wait until April to set up a payment schedule to my required specifications. I said to him on several occasions, that if this was NOT somethingyour company could provide, I DID NOT WANT TO CONTINUE WITH THE RE-FINANCE!
*** ***

Complaint: ***
I am rejecting this response because:
see attached
Regards,
*** ***

Complaint: ***
I am rejecting this response because:The every other Friday is fine with us, it works. And, if it can begin Friday, July 1st, that would be perfect. The problem now is that even though they have agreed to an every other Friday, they are requesting that we pay June in full by Wednesday - June 15th. And that's the way it's going each month. We have made it clear, and can't make it any clearer, that we won't have the ability to pay in full until Friday June 17th. What kind of "Catch 22" is this whole mess, and so called "new" proposal? Oceanside is willing to set up every other Friday, but only if we are able to pay the month in full on Wednesday, two days before we get paid. And if not on that Wednesday, another $late fee is assessed.What part of we get paid every other Friday, that I have expressed from the beginning of my conversations with ***, don't they understand. WE WILL NOT HAVE FULL PAYMENT OF THE MONTH UNTIL FRIDAY, JUNE 17TH!!!! TWO DAYS LATER!!!!This whole fiasco is because *** ***, the owner *** ???? (who never bothered to get involved with us), nor *** *** seem to know the parameters/policy of payment. Each of them thought, and stated, that there must be something wrong, and that they would get it figured out. SOMETHING WAS WRONG, ALL RIGHT! NEITHER OF THEM KNEW WHAT THEY WERE TALKING ABOUT. SO, THEY MADE PROMISES THEY COULDN'T KEEP!!!! Ignorance is No excuse! And, we're the ones, literally paying for it!
Regards,
*** ***

We are working with our vendor to determine if we can escrow the item per the borrowers request This is not an amount that would typically be escrowed so it is making the process a bit more complicated We cannot guaranty that we will be able to escrow for this item since this falls
outside of the current guidelines

*** *** ** *** * *** *** *** Dear Sirs: This letter is in response to your Revdex.com Complaint According to our records, funds in the amount of $were received on March 1, and March 4,
by way of a one-time internet payment on ***. On March 4, 2016, Mr*** enabled monthly drafting; however, the initial draft was not scheduled to occur until April 1, and both aforementioned payments were initiated by the borrower. Please note: the automatic drafting was cancelled on March 22, 2016. On March 10, 2016, Mr*** contacted our Customer Service Department and requested a reversal of payment as he had submitted one payment satisfying the March installment and another in error. Regrettably, his request was not initially completed due to a processor error. Mr*** then contacted our office on March 15, and was advised the request to refund the payment could take 5-business days to completeThe payment of $942.77, originally received on March 4, 2016, was returned to the originating bank account on March 24, in accordance with Mr***’s request. As of the date of this letter, Mr***’s loan is current and due for the April 1, installment in the amount of $942.77. We regret any inconvenience that Mr*** may have encountered as a result of the delay in processing his request to return his payment, as this is not the level of service we strive to provide. Furthermore, we have utilized this matter as a coaching opportunity to ensure the highest level of service going forwardFor your convenience, a Customer Account Activity Statement is enclosed. Should you have any questions regarding this matter, please contact me at ***

We are very sorry that this customer thought this marketing piece was deceptive We have thoroughly reviewed it internally and believe that it meets all applicable laws and guidelines We have opened a review internally to review this document We apologize if you were upset by
this letter If there is anything we can do to make it up to you, please let us knowThanks, *** ***

We are very sorry that the processes was not as simple as it should have been Unfortunately, with the current rules and regulations, we are sometimes required to gather additional documentation This is a decision that is typically out of our hands If there is anything we can do
to improve the situation, please let me know

I am very sorry you are unhappy with our response There is no way to waive the late fee for the remainder of the loan I have attached a copy of the promissory note that was signed at closing As you can see in section 6, it clearly states that you will be charged a late fee of 4% if we do not receive payment in full by the 15th of the month At this point, there really is nothing else that I can do We are legally obligated to service the loan according to the signed loan documents You must pay your loan in full before the 15th of the month to avoid a late charge We will not report you late to the credit agencies unless you are more than days late, so your credit should not be negatively impacted

Complaint: ***
I am rejecting this response because: Not really objecting - just want to provie my feed back.The "Short Sale" comment was made by Annette Harper on the May 8, responseJust an FYI I really do not like communicating via e-mail as cannot determine the vibe from the folk sending it and the folk reading the message.I will awaiting the review period and will wait to hear your response. Also, thank - you for advising me that Oceanside does not offer payment derrments I will await the response to see if I was accepted to recieve assistance and what type of assistanceNo one from Oceanside has provided me with what the types of assistance is available.
Regards,
*** ***

Complaint: ***
I am rejecting this response because: they sent the wire transfer to a third party so my previous lender didn't receive the actual wire transfer until June 2ndEven if they had relieved the wire transfer on the 1st How are they supposed to process a wire transfer the day of while processing that I didn't need to submit a paymentIf I don't submit a payment on June 1st then I will venture into late payment and default territory which puts me at riskIf they had received the payment in June 1st then they wouldn't have automatically drafted from my bank accountYou can't send a payment on June 1st and expect them to process instantlyI was promised 100% of not paying June payment for the previous lender.
Regards,
*** ***

[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.
[redacted]
[redacted]

Complaint: [redacted]
I am rejecting this response because:I was advised by your representative [redacted], when I asked for a change of date BEFORE the contract was signed, that the date was simply an administrative necessity to process the application and the contract.  I asked about this when I received the application to sign, and again when we received the contract to sign.Oceanside had no problem skirting policy when I needed to pay the upfront fee in separate postdated checks.  You changed the rules to make sure we didn’t have to pay all of the “fee” sum up front.  When the conveyor of the closing papers, balked at the arrangement, I was able to get [redacted] on the phone to smooth the difficulty - on a Saturday!When the first late fee came in, you offered to waive the fee, and have offered to do so now.Throughout my complaining, [redacted] has also assured me the owner of your company, [redacted] ???? would be able to -again- change the policy, and make this right.But now you refuse to correct this error on your part, by saying you are legally bound to policy and procedure.  If you are so worried about legality, you should note that it was illegal for your representative to guide me through a process, he should have understood, with false insinuations and lies.The worst of it, is that now you want to lean on legality and process to the letter.  I COULD NOT pay you yesterday, but I can pay you in full Friday.  We’re talking about a two-day grace to get this mortgage up and running on schedule.  That’s all it takes to resolved this matter, and we all move on.I pay you tomorrow in full for the month of June and we set up the “every other Friday” from there.And by the way, NO it was not like this at our first mortgage provider who handed us over to [redacted], and it certainly was NOT like that at [redacted].  They were willing to work with us and our needs in so many financially comfortable ways.We were so happy there.  What was I thinking to re-finance for a few extra dollars and leave [redacted]?  Oh, I remember.  I was thinking what [redacted] was telling me was the truth!!!!Such an easy fix on your part, but if you don’t have the decency to make that happen, I want you to know that I WILL NOT LET THIS GO!!!!  If Revdex.com can’t help us, the Attorney General is next.  Then newspapers and TV, if necessary.  I WILL NOT LET YOU RUIN OUR CREDIT WITHOUT A HUGE PUBLIC FIGHT!!!!  I want everyone to know the kind of organization you are, the deceptive tactics you employ, and your unwillingness to right a wrong.
[redacted]

Complaint: [redacted]
I am rejecting this response because:How dare you apologize for [redacted]!  And you make it sound like he gave us information that WE didn’t understand.  As so many shady companies do, you now try to put the onus on us, your clients.  I understood every word he said, and I asked him several times.  His answer never changed.  He even emailed me that same information.  But, instead of him standing up straight and admitting an error, he’s willing to hide behind Oceanside’s ridiculous claim that We just didn’t understand what he meant to say.  He has chosen to leave US holding the bag.  A big, huge financial bomb of a bag!The whole reason we re-financed so quickly into our mortgage is that we really need the small extra savings of $150 a month.  [redacted]’s mother died. My mother died.  Add the purchase of our first house, [redacted] was hurt on the job (not completely covered, so there are medical bills), the move, and we’re tapped out.The worst is knowing that we can’t pay the two late fees to date, or any others to follow.  We worked for 21 years to save and build our credit to buy this house.  It is a place we love, and represents a lot of hard work and determination.  And like some cruel magic trick, [redacted] gives us incorrect advice/information, and just like that – it could all be gone.  Certainly our credit score will be shot to hell!  We have a beautiful first home we won’t be able to maintain without credit.So, NO!!!!  APOLOGY NOT ACCEPTED!!!!Tip for you: Judging by your response, YOU don’t even know how this all works.  Sit your staff down with your servicing department, learn something, and STOP ruining trusting client’s lives.
Regards,
[redacted]

We apologize for the inconvenience.  We have removed you from our internal masterlist.  We do not generate the lists directly.  They are purchased from 3rdparty vendors.  Each time we order a new list, there is a chance that you will be added to the new list. If you do notwant to...

receive pre screened offers of credit from Oceanside Mortgage or anyother companies, call the consumer reporting agencies toll-free, [redacted]or visit the website at www.[redacted].com; or write
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]

I apologize if [redacted] did not clearly communicate our policies and procedures.  I do not believe it would be possible to accommodate your request.  Our servicing department should be able to help you make payment arrangements but if I am understanding your request properly, I do not believe it would be possible.  Please contact our servicing center for more details at [redacted]

Complaint: [redacted]
I am rejecting this response because: I was told that prior to closing that I could call the Loan Administration department and they could have the item included in my loan.  When I called, they told me that it could not be added, unless it was part of the original loan documentation (HUD-1).  The Loan Administration department told me to talk with my Loan Officer, who has ignored my calls ever since.  This is the reason I am rejecting the response, because I have been run in circles and have called multiple times with no repsonse, not even a form letter stating that they are addressing my complaint.  Its as if I dont' exist and they want me to simply go away.
Regards,
[redacted]

Mr. [redacted]: I have carefully reviewed your transaction.  I have attached a copy of the closing disclosure from your loan that indicates the loan would be paid off on 6/1.  I have also attached a copy of the wiring transfer to your prior lender.  As you can see, we paid your loan...

off on 6/1 as we promised to do.  I am sorry for the confusion.  I believe your issue is with your prior lender.  They were the ones who made the withdrawal from your account.  In an effort to help ease your trouble, without admitting any fault, I would be willing to refund $50 to you for your inconvenience.  I would recommend contacting your prior lender to obtain the balance of the refund. Thank you,Steve SOceanside Mortgage Company

I apologize but the payment must be paid in full by the due date.  If the payment is paid after the 15th of the month, it will be subject to a late charge.  This is not a unique requirement of Oceanside Mortgage Company.  All mortgage lenders require that the payment be paid in full by the 15th of the month.

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Address: 4199 Rangeline Rd, Russia, Ohio, United States, 45363

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