World Finance Corporation

Dear [redacted] ***: We received your complaint from the Revdex.com and appreciate the opportunity to address your concernsWe would like to begin by sincerely apologizing for any inconvenience you have experienced as a result of this matterAs we discussed, during our conversation we have taken the following steps to resolve the matter: · We have put funds in your escrow account to cover for the property tax shortage Based on our conversations with you, it is our understanding that you are satisfied with this resolutionWe would like you to know that FGMC takes your concerns very seriously and we appreciate the opportunity to better serve youIf you have any additional questions do not hesitate to contact me, Kelly K***, at ###-###-#### or toll free at ###-###-#### Ext [redacted] or by email [redacted] @fgmc.com Sincerely,First Guaranty Mortgage Corporation

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] College Works Painting has contacted me directly regarding a settlement and we are finalizing detailsI will consider the matter concluded when I have received and successfully deposited a settlement check Regards, [redacted]

Thank you for contacting First Guaranty Mortgage Corporation (FGMC)During our phone conversation on October 07, 2015, you expressed that: · Your concern with the length of time this has taken (2/5/– current date) · You were told, on 10/6/15, that the conditions were met; however, the lender is waiting on a payoff? · What is missing so we can just close Per our conversation on October 15, 2015: · We confirmed that we did not receive the file until 8/13/ · We only received of pages of the payoff, your Broker will provide the remaining pages · We identified all missing items needed to issue a clear to close and those conditions are still being met by you, your broker and builder · We confirmed our team is working to expedite your loan to closing Based on our conversations with you, it is our understanding that you are satisfied with these resolutionsWe would like you to know that FGMC takes your concerns very seriously and we appreciate the opportunity to better serve youIf you have any additional questions do not hesitate to contact me, Kelly K***, at ###-###-#### or toll free at ###-###-#### Ext [redacted] or by email [redacted] @fgmc.com

Firstly, we apologize for the inconvenience and the length of time this has taken to get resolved [redacted] bank has been contacted and the monies have been sent to them to cancel / refund the warrantyThank you for your patience

MIMI HAIR BRAIDING [redacted] Rd, [redacted] SC Mrs [redacted] , come to Mimi Hair Braiding to get her hair done on 3/20/at amShe was getting “Micro”The lady that was doing her hair is the best micro braider in my shopAfter couple hours, Mrs [redacted] asked to use restroomWhen she came back from the restroom, she was telling something concerning the braids to the ladyI was braiding someone else’s hairThe lady told me to come and I took a look to what she was doingThe client was complaining that her natural hair was showing thru braidsI tried to explain to her that her hair was natural curly and the ends are not straightThe braider was doing the back of her hairI told her to come to the front and to couple braids and show herShe did and [redacted] said “Yes” that is what I want I try to explain again that usually the hair around the edges are thing and blends better but back like in middle with Africain-American hair are mostly thick in the middle if she wants the lady to do the same size all over her headIt will take more than a day, she and the braider will be tiredOur service is always to hours jobSo she asked me can we use more of the human hair ? I said yes but the size of the braids might be too thick and you not going to like itWell, I spend like minutes explaining to her but she keeps do not understandFinally, I asked her what do you want ? She said that it’s not her first time doing her hair here at Mimi hair braiding shop but this one she do not like itTrust me, she used to be braided by the same braider that was doing her hair that dayThen I told here her it not your first time coming here why are you bringing this difficult for us? She said I do not have choice, I do not like it but I will let the braider finish my hairI told her if you do not like what she is doing she will stop it because you can’t pay for what you do not likeShe said I will be OKI had refused to continue her hair because most of time, when the client starts complaining like the way she did, we always end up with police so I wanted to avoid thatThen she said I spend hours already doing it but insist to let her go because she was keeping saying I do not like it but the braider has to finish my hairI do not take customer’s money because I need money but I do this business because it’s like a passion for me; So I told her don’t worry about the braider’s time she spent doing your hair, you can just give her $to take your hair out because it will take her another hour to take it downMrs [redacted] asked me if I will replace her hair and I told her no I cannot do that because I know her hair it not messed up, she can still use it and we didn’t steal any of her hairI was used on her own headI took one braid out and I showed her to see if her hair is mess up? She just told me never mind I will keep my braids and I will give you the moneyShe went to her car, came back and gave the $to lady and she left

This complaint is non-sensical and frivolousThe lady dropped her car off in the beginning of She never disclosed to us that the vehicle had (five) accidents reported on the carfax reportWe had the car advertised the whole time and the first highest offer we received was $The next offer was $We kept [redacted] aware of each offer and she declined accepting eachShe said she will continue using us to park her car and we can sell it, but the minimum would be $From the period of April - December (when the car finally sold) she had the car advertised on [redacted] ? which is a site where you offer your vehicle as a rental [redacted] began scheduling appointments and had people show up to take the car during and after business hoursHer rental operation impacted our business and she was notified that if she wanted to continue offering her car for sale with us she would have to stop or remove her car from our propertyShe decided to stop renting it and left the car with us for saleIn December, someone finally bought the carWhen we notified [redacted] that it was sold and that we needed her to come in to bring us the title and collect her $10500, she said ok, but then called back an hour later saying she wanted her car backShe began playing a game with us saying she wanted $or she wouldn't give us the titleShe continued this for several months until we told her she's not leaving us any option but to sue herShe finally agreed to give us the title for $10800.? We would have gladly returned her car to her at anytimeShe knew thisIf we refused to return her car she could have simply called the police and we would be in a lot of trouble for refusing to give it backThis was not the caseShe used our business for storage, rental operations, extorted money from us, has made illegal accusations and slandered us.? ? ? ?

I completely understand the frustration We have several vehicles awaiting parts for frame replacements As the parts become available, they are being repaired Each vehicles has parts ordered specifically for that vehicle, so when the parts arrive they are specified for a particular application MrB [redacted] will see if and eta can be given to expect the parts arrival for repairs Once parts arrive, two days are needed for repairs

To whom it may concern,We have reviewed the concern and looked into itWe are happy to take care of the bumper paint issueWhen we sell a used car, we have all of our clients sign a copy of the [redacted] reportWe just re-ran the [redacted] and the car was not in an accident according to the [redacted] reportAs previously stated we are happy to assist in repairing the bumper paint

[redacted] ,I have been personally involved in taking care of your concernsAs shared with you in person the $military rebate is available for terms up to month's you choose an month termI wish I could give all of military persons buying cars from us the rebate it is not up to us it is the bank rebateThe rate is based on your credit and the term again from the bank not our rateAs far as the undercoating goes we have done everything you have asked us to do so we are a little baffled why you continue to put bad reviews on social media and now Revdex.comNot only as an apology for your experience we ordered a over $roof rack but had a master tech spend three days taking care of the carRegards Amar R***

Thank you for your response The credit response has been sent to you by the banks as requiredBest of luckwe hope to serve you in the future under better circumstance

The address is: [redacted] ***Frederick MD or [redacted] ***Tysons corner, VA

Thank you for contacting us regarding [redacted] ***’s complaint to the Revdex.comIn accordance with [redacted] ***’s request, we were able to close her mortgage loan on September 8, Based on our conversations with [redacted] ***, it is our understanding that she is satisfied with her loan closing FGMC takes consumer complaints very seriously and we appreciate the opportunity to better serve [redacted] ***If there are any additional questions, do not hesitate to contact Kelly K [redacted] at ###-###-#### Ext [redacted] or by email at [redacted] @fgmc.com

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: The response from FGMC says that it is their understanding that I am satisfied with the resolutionI don't remember being satisfied with anything this company has doneI'm sure I would have been ok if they actually came through with resolving the matter after I met with all of their conditions, but even since their last response, I have been going through the same things I was going through when I submitted my first complaintI am once again asked constantly for papers that should have been asked for a long time agoJust days ago, I was asked once again for my June bank statementWe are currently in November, yet I had to submit a bank statement for June, even though I have already submitted it numerous timesI worry that sensitive information like bank statements are finding g their way into the wrong handsApproximately a month ago I was given a short list of papers that I was told were all we needed to close the loan, but in true FGMC fashion, that list continues to grow almost dailyI see no end in sight and I have zero confidence that FGMC knows when or if this loan will closeThis loan is being done very unprofessionally and with no regard for the customerI have been more than compliant with their requests and more than patient with the unorganized way they are handling my loanI would like this loan matter resolved asap Regards, [redacted]

The customer placed his order with us on 7/31, but as listed on the complaint it states the 1st attempt to contact us was 8/6/This was a Sunday (We work M-F) and any phone calls would have gone to our voicemailAll voicemails are converted to text and sent to us via e-mailWe have no record of any such call/ e-mail from the customerEven if he did contact us on that date, his package shipped from our vendor on 8/4, FedEx# [redacted] The 1st confirmed contact with us was 8/15, where we began to ascertain what happened to his packageOnce we checked his tracking and saw the package was delivered, we initiated contact with both FedEx and our vendorAt this point we were informed by FedEx that they delivered his package to an old address they had on file as the PO Box provided was not a sufficient address for FedEx Ground to deliver toAt that time we placed a claim with FedEx and received FedEx Case ID # [redacted] As our vendor was the "shipper" we were forced to go back and forth between the vendor and FedEx in an effort to correct the problemAs our first contact with FedEx was 8/15, they began an investigation and to attempt to regain possession of his package and to deliver it to the new address providedOn 8/we e-mailed the customer with an update on the status of the FedEx investigationWe informed him that FedEx stated that they would to let us know by 8/18, whether they could retrieve the packageIf they were unable to retrieve the package, we would begin the process of replacing said packageOn 8/18, I received a phone call from my vendor that the customer has begun escalating the issue with themAt that time I shared with our vendor all of our correspondence with the customer and FedEx in an effort to supply all information to them so they also had the ability to keep the customer informed and that we were expecting to hear from FedEx that day as to whether they were able to retrieve the packageOnce we received FedEx's notification that they were unable to retrieve the package, a new order was created (8/18)and placed with our vendor for a replacementAs of the writing of this response, his replacement package was delivered via UPS tracking # [redacted]

We looked into all of the correspondence about this transaction [redacted] was told over the phone we could not get to his number of $on the Highlander unless he could make up the difference in down paymentHe offered $with which we get the remaining balance of $The misunderstanding is he understood that the selling price would be $and the down payment would reduce that amount by $We shared that would equate to a over $loss which we could not doIt is a case of misunderstanding on the numbersWe apologized for the entire interaction where both parties misunderstood each otherHowever [redacted] believes we should be forced to take a $loss

Good afternoon - We would like to request additional time to provide the customer with a full resolutionWe would like to request an extension to November 29, We are working to review the information provided as wells as the loan documentation and will continue to work directly with the customer to resolve his concerns raised in the complaint Please advise if you would like a copy of the final resolution provided directly to the customer.Thank you - Liz F*, Customer Care and Resolution Manager, First Guaranty Mortgage Corporation [redacted] @fgmc.com [redacted]

The customers statement is 99% accurate and as the CEO I hate to see these things happenWe did ship the wrong sizes and then corrected them when we learned of the problemUnfortunealty, It was on The eve of Thanksgiving which is one of three Holidays we close early and Fedex comes earlyBy the time we had the shipment processed and on the Dock to leave, Fedex had come and goneOur customer service agent, did not know that and mistakenly told the officer that it would be shippedThere was no intentional "lying" on our partWe do not service the public, we have a finite group of federal officers to service which we have been doing for yearsWe do clearly state our policies on our site and encourage every new officer to read them [redacted] Having said that, I will contact this officer with my appologies and give him a discount coupon to use for his next orderWe do maintain 90% market share of the 40,Uniformed and Non-Uniformed Staff and try our hardestSometimes, we fall short, this I feel is one of those timesThese men and women have a tough, high Stress Job, its like being in Iraq for yearsWe try hard not to add to their stress

From:? [redacted] ***< [redacted] @***.com>Date: Thu, Jun 30, at 4:PMSubject: Re: cid [redacted] / Priority Toyota SpringfieldTo: [redacted] < [redacted] @myRevdex.com.org>Good afternoon,Thanks for the follow up email .? I received my title for the car I purchased, so at this point I feel it has been resolved.? It was a little ridiculous how much time and effort I had to put in to get the title from this company, considering I paid them thousands of dollars when I bought the car in full.? But at the end of the day, all was taken care of

March 9, 2017 [redacted] Hayward, CA ***Subject: Inquiry received on February 27, 2017, 2017, for Mortgage Account # [redacted] Dear [redacted] :Thank you for contacting First Guaranty Mortgage Corporation, (FGMC) dba [redacted] .com through the RevDex.com (BBB). We... appreciate the time you took to relay this information. We have completed our research and wanted to provide you with our findings.In your inquiry you stated the following:- Your mortgage payment was made to [redacted] (***) in early Januaryand the loan was sold to [redacted] ; your payment was not forwarded in full from [redacted] to [redacted] - You received a debt collection letter from [redacted] as your mortgage is short on funds - I contacted the customer complaints department and nobody respondedIn your email dated February 27, 2017 you stated the following:- You want the complete explanation on the number reported to [redacted] of $4,633.15Based upon our research, please find our response below:Your mortgage payment was made to [redacted] (***) in early January and the loan was sold to [redacted] ; your payment was not forwarded in full from [redacted] to [redacted] Your mortgage payment was received at [redacted] on January 6, 2017 and applied that same day to the January 2017 payment. The loan was then service transferred to [redacted] on January 31, 2017 with the loan due for February 1, 2017. The January 2017 payment was not due to [redacted] therefore, the January payment was not forwarded to [redacted] from ***.You received a debt collection letter from [redacted] as your mortgage is short on fundsOn February 9, 2017 [redacted] received funds in the amount of $1,824.38 from [redacted] in error, these funds were not intended for your account. The payment in the amount $1,824.38 was placed in the suspense account related to your mortgage. This payment caused the letter from [redacted] to be sent to you on February 10, 2017 indicating they had received a payment on your account and it was not enough to complete the February 2017 payment. On February 12, 2017 you made a payment in the amount of $2,808.77 for the February payment and applied the same day.The funds in the amount of $1,824.38 have been reversed off of your mortgage account and returned to [redacted] on March 2, 2017. We apologize for any confusion or frustration this may have caused.We can confirm there were no late fee assessed to your account related to this error.I contacted the customer complaints department and nobody respondedWe received an email from you Wednesday February 22, 2017 and responded to you that same day advising we would look into the concerns you provided and had several additional email exchanges that day for information.On the following day February 23, 2017 we advised that we were reaching out to [redacted] and needed information from them to resolve the issue.We received an email from you on Friday February 24, 2017 at 2:09 pm, 2:16 pm, 2:21 pm and 7:43 pm. On Monday February 27, 2017 we responded to these emails. Please be advised that FGMC has a one business day timeframe to respond to all email and phone call requests. This allows us time to research and resolve any issues or concerns you may have.You want the complete explanation on the number reported to [redacted] of $4,633.15The amount of $4,633.15 showing on the online statement you provided shows the funds sent in error from [redacted] $1,824.38 and the payment you made on in the amount of $2,808.77 in the suspense account totaling $4,633.15. Both payments were placed in the suspense account and then applied to the loan. The online statement shows the information for the payments received on the account and the application order. If you have further questions about the online statement please contact the Customer Service group at [redacted] Thank you for taking the time to share your concerns and experiences with us. If you have any questions or need additional information, please contact me at [redacted] , Monday through Friday 8:30 AM to 5:00 PM Eastern.Sincerely,Alice F

We have spoken with [redacted] numerous times at no point was it discussed that he was over milesWe as promised paid the remaining paymentsWe have discussed this on several occasions with [redacted] Not hearing the response from the dealership is not the same as not hearing back.Tell us why here