World Finance Corporation

October 5, 2016[redacted] Washington, DC [redacted]Subject: Inquiry received from the Revdex.com on September 28, 2016, for Mortgage Account #[redacted]Dear [redacted]:Thank you for contacting First Guaranty Mortgage Corporation, (FGMC), through the Revdex.com, (Revdex.com) about...

your mortgage transfer. 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:- I never heard of this company; I don’t pay my mortgage to this company, I pay it to [redacted]Based upon our research, please find our response below:I never heard of this company; I don’t pay my mortgage to this company, I pay it to [redacted]FGMC purchased your loan on September 2, 2016. Our servicer, [redacted], ([redacted]), will begin collecting payments on our behalf. A welcome letter was sent to you on September 9, 2016, explaining the servicer transfer and provided instructions on making your payments. We have included a copy of this letter for your reference.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 ###-###-####, Monday through Friday 8:30 am to 5:00 pm eastern standard time.Sincerely, Liz F

Hello, [redacted] will try reaching out again, she is willing to discus a resolution, if you have any questions you can reach our corporate office at [redacted]. We look forward to resolving this as soon as possible.  Regards, College Works Painting

Complaint: [redacted]
I am rejecting this response because: The guy is a liar, first of all we did not check car out for an hour, second of all I ask if there was anything wrong with car (ask three people that worked there) and third of all they offered 250.00 I have a receipt showing how much it cost me to get the car fixed, and one more thing they also told me that they ordered a engine cover too, they DID NOT. They told me it was in their budget to give me more, I think they should pay the whole bill to get the car fixed and pay me for the engine I bought.
Regards,
[redacted]

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 details. I will consider the matter concluded when I have received and successfully deposited a settlement check.
Regards,
[redacted]

We have completed our research and have attached the resolution letter for your reference. Thank you - Liz Frey, Customer Care and Resolution Manager, First Guaranty Mortgage CorporationFirst GuarantyMortgage CorporationDecember 6, 2017[redacted] Lawndale, CA [redacted]Subject: Inquiry received on November 11, 2017, for Mortgage Account # [redacted]Dear [redacted]:Thank you for contacting First Guaranty Mortgage Corporation, (FGMC) through the Revdex.com (Revdex.com). 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 induiry, you stated the following:- I was told by the Sr. loan mortgage officer Mr Armen M[redacted] in an email that once agreedto the loan I would skip a month in mortgage payment ($2900) agreed and when signing the loan docs was rushed and never informed that I would NOT skip a months payment I called once the new bank called for the payment and seen I gotripped off.- Request for $2,900.00 the payment you thought were skippingBased upon our research, please find our response below:You stated, I was told by the Sr. loan mortgage officer Mr Armen M[redacted] in an email that once agreed to the loan I would skip a month in mortgage payment (S2900) agreed and when signing the loan docs was rushed and never informed that I would NOT skip a months payment called once the new bank called for the payment and seen I gotripped off.We have completed a review of the loan file and determined that no error occurred drafting the documents. The first payment date was changed to meet the required first payment due date in relation to the closing date. As the loan was for an investment property there was no rescission period. The loan closed on September 28, 2017 and was funded on September 29, 2017, making the first payment due date November 1, 2017. We can confirm the loan was disclosed with all closing documents properly drafted and according to the correct timeframes set by the Federal Housing Administration (FHA).We have included a copy of the Closing Disclosure (CD) and the Note for your reference. While the loan was disclosed properly and all closing documents drafted correctly, we understand the new payment date was not communicated by the loan officer. We apologize for any miscommunication that occurred during the closing process. We value our customer relationships and look to customers like you to provide feedback so we may better our process.PDF processed with [redacted] evaluation edition WWW. [redacted].ComFirst GuarantyMortgage CorporationRequest for $2,900.00 the payment you thought were skippingWe have reviewed the loan and determined there were pricing exceptions and a lender credit given. Due to Title and Homeowner's Insurance related issues, FGMC provided three rate lock extensions at no cost to the customer. In addition, we provided an additional lender credit pricing exception of $3,025.00, for a totallender credit just over $7,116.00 to offset loan charges. As a result, there was $1,267.69 in residual lender credit, which will be applied as a principal curtailment, post-closing.The monthly mortgage payment on the new loan is $2,693.67 and since lender credit was provided at no cost to the customer, we have provided a check in the amount $1,500.00. This check will be sent by FedEx and we will provide the tracking information in a separate email.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 ###-###-####, Monday through Friday 8:30 am to 5:00 pm Eastern.Sincerely,A

Complaint: [redacted]
I am rejecting this response because:Clearly AD Meyer is using generic responses to initial complaint. They stated they didn't know what product I was referring to. The second order only had one product. Fact of the matter is, if it shows available on your website then the consumer is led to believe that they will receive their goods in a timely fashion. If not, then they should be notified. Each order from initial order to delivery took a minimum of 30 days without any contact from this company. Very poor relations.
Regards,
[redacted]

[redacted]I have reviewed all of the documents and our web site in error showed that car as a Toyota certified car. Even with all of the stop gaps and the disclaimers we have I would still like to do right by a guest please contact me directly so I can take care of this concern.RegardsAmar...

R[redacted]General Manager ###-###-####

[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. 
Regards,
[redacted]

We have communicated with [redacted] including our General Manager. All of the numbers were based on [redacted] having excellent credit he came up way short of that we can not extend the same rates. We are not a bank and the banks have sent a letter of  their reasoning as required by law to [redacted]...

[redacted] based on his credit. We are happy to honor the selling price of the car and trade value the rates we have no control over. [redacted] [redacted] continues to put untruths on social media rather than take accept the credit challenge. We would be happy to go over again his credit history with him.

Thank
you for contacting First Guaranty Mortgage Corporation (FGMC). In your updated
Complaint filed with the Revdex.com (Revdex.com) on November 4th
you expressed
·        
that you have
been requested to provide the same bank statement several times and were
concerned that your sensitive information were finding their way to the wrong
hands;
·        
you were provided  a short list of conditions that has grown;
·        
you would like
the matter resolved ASAP.
 
On
November 5, 2015:
·        
We conducted a
conference call with the mortgage broker – your loan originator. We confirmed
that he had asked you several times for the June bank statement which had not
been delivered with the other bank statements provided. Your Broker had not
forwarded the documentation to FGMC but he did have all items in his possession.
He also confirmed that the documentation had not found their way into the wrong
hands.
·        
We confirmed with
you that the reason for the additional conditions is that the manner that your
loan was submitted did not have all factors evident and as we received
conditions additional items were needed in order to get the loan to closing:
o  
Permits received
identified that there would be multiple properties on the land;
o  
An additional
appraisal would be needed;
o  
An FHA approved
engineer cert would be required. 
·        
We agreed to pay
for the new appraisal to compensate you for the delays you have experienced.
·        
We confirmed our
team is still working to expedite your loan to closing. 
 
We
will continue to monitor your loan and work with you toward your loan closing. We take your concerns seriously and appreciate the opportunity to better serve you. If you have any additional
questions do not hesitate to contact me, Kelly K[redacted], at ###-###-#### or toll
free at ###-###-#### Ext. [redacted] or by email [redacted]@fgmc.com.

[redacted] purchased hearing aids and due to the overwhelming response at the Home Show, her hearing aid delivery was delayed. We kept in contact with [redacted] by phone.  When her hearing aids came in the office called to set up fitting appointment and the patient stated she purchased somewhere...

else and refused the appointment. The agreement [redacted] signed states the return policy. None of the conditions has been met. [redacted] refused delivery. [redacted] has not worn consistatly for 18 days. ( See SuperBill) [redacted] has not been seen 3 times during that 45 day trial period.(See Superbill) The hearing aids are here in our office ready for her fitting. [redacted] can fulfill her agreement at anytime. [redacted] has called and threatened us multiple times that she would call you... Revdex.com The TV Stations The multi media [redacted] stated she does not want to take these extreem measures although she keeps refusing the appointment. [redacted] only needs to fulfill her end of the agreement (Please read super bill patient signed)   Please contact me for further information.   Enjoy your day! [redacted]

Good afternoon - We would like to request additional time to provide the customer with a full resolution. We would like to request an extension to November 29, 2017. 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[redacted], Customer Care and Resolution Manager, First Guaranty Mortgage Corporation[redacted]@fgmc.com[redacted]

Thank you for your response.  The credit response has been sent to you by the banks as required. Best of luck. we hope to serve you in the future under better circumstance

From: PST-Amar R[redacted] Date: Fri, Jul 31, 2015 at 6:22 PMSubject: RE: Revdex.com complaintTo: "[redacted]@myRevdex.com.org" <[redacted]@myRevdex.com.org>Hello [redacted], I was personally involved in [redacted]’s transaction. When [redacted] purchased the car late at night  the check engine light came on which was a minor resetting of the warning light. [redacted] informed us he was traveling to Florida with his family and did not feel comfortable driving the car. In spirit of treating our guest as our number one Priority we agreed to exchange his car for another which we had to bring in from elsewhere if I my recollection is correct. While waiting on his car we provided [redacted] a brand new comparable van to drive to Florida at no charge. [redacted] decided not to take the trip. We delivered the new car to [redacted] a couple of days later which he drove off the lot and next day drove it to a family event where the battery died. We immediately dispatched our service manager to go and inspect the car himself. We brought the car back and even though it did not need to be replaced we replaced the battery. [redacted] at which point asked me to provide a monetary compensation for this inconvenience of an additional couple thousand dollars from the completed transaction. When I politely declined he asked me to provide a free dvd player installed in the van, I offered to get one done at my cost not at zero cost. The dvd player is installed at an aftermarket company I am happy to offer it my cost. Regards

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.  I would like the $30 that I paid refunded and proper compensation for the wasted expensive human braiding hair. My hair looked terrible and the pics  I sent in clearly shows this.
Regards,
[redacted]

Revdex.com:At this time, I have not been contacted by Music Basics regarding complaint ID [redacted].HiI have NOT YET received any response from Music Basics. My request was very simple in that I told them that what I ordered was a Violin Case with an option to hold 4 Bows and not...

2.Their response was that they do not check what they get from their manufacturers because they change their case. I told them that is upto Music Basics to check their merchandise and sent me what Ihad requested them to send me.This Violin Case is for my Grandson who is very disappointed with their Violin Case and has asked me that if this is NOT resolved that he will never want to have any item from this vendor because they really don't care about little folks who want to learn playing the violin and will inform ALL his friends about the conduct of Music Basics.Please post this on your Web Site about their code of doing business.Thank YouSincerely,[redacted]

July 21, 2016   Revdex.com   Customer:           [redacted] Loan:                     [redacted] (RPMS #[redacted])...

Property:             [redacted], Bay Village, OH   Delivered via Revdex.com Portal   Subject:  Consumer Inquiry for account number [redacted]   To whom it may concern:   We have completed our research for the above referenced account and have provided our response below.    In case number [redacted], [redacted] stated the following:   On March 29, 2016, $548.59 was taken out of her escrow account without a bill.[redacted] has requested the funds be placed back in her escrow account in one lump sum.The customer has contacted the servicing agent, [redacted], on several occasions and has not had the issue resolved to date.The mortgage payment has not been lowered to reflect the payment.First, we would like to apologize for any inconvenience and frustration [redacted] has experienced as a result of this matter.  Here is our response to these items:  In regard to the money taken out of [redacted]’s escrow account, the servicer, [redacted], disbursed $549.26 from the escrow account on March 29, 2016 to pay the MI premium.  However, the amount that was due for the month was $80.77.  These funds were sent directly to the Department of Urban Housing (HUD) to pay the MI premium.  As the amount was an overpayment to HUD, they will not return the funds to [redacted], rather they have placed these funds in an unapplied funds account.  The funds have been disbursed monthly on April 15, 2016, May 15, 2016, June 15, 2016, and July 15, 2016 and will continue until October 2016.  At this time, the payment due to HUD to complete the October MI payment will be $33.60, which [redacted] will then disburse the difference to HUD.  In November 2016 the payments to HUD will be deducted from the escrow account.  We have enclosed a payment history of the account to show the disbursement to HUD.  Please accept our apology for this error and any inconvenience or confusion this may have caused.In regard to [redacted]’s request for the funds to be placed back in her escrow account, these funds have been disbursed to HUD and placed in an unapplied funds account which we are not able to return the funds to the escrow account.  The escrow account will be maintained and no further MI payments will be disbursed from the account until October 2016 to complete the payment for that month to HUD for the MI premium.In the matter of the servicing agent, [redacted], we apologize that you have not received the information or the resolution you expected.  We look to customers like you to share their experience so we may improve on our process in the future.  We have provided this information to our Servicer [redacted].Regarding the mortgage payment not being lowered to reflect the payment, as the escrow overpayment is being held by HUD in an unapplied funds account your mortgage payment will not be changed.  The payments will continue to be applied towards your MI premium monthly until the funds are all applied.  This will be completed in October of 2016 and the regular escrow disbursements will begin again in November 2016 in the amount of $80.77. If you have any questions or would like to contact us to go over the information in the letter please contact me at ###-###-#### Monday through Friday 8:30 am to 5:00 pm eastern standard time. Sincerely,  Liz F[redacted] Consumer Complaints Manager   First Guaranty Mortgage Corporation ® 5280 Corporate Drive, Suite B200 Frederick, MD  21703 ###-###-####  Direct ###-###-####  Fax [redacted]@fgmc.com www.fgmc.com  Attachements

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
Regards, mr. R[redacted] was involved just because I kind of forced him toBut he would never get my calls or return my voice mails. It was only when I went to the dealer because of All the problems that I asked to talk to him. They didn't bring any car from nowhere, in fact they rejected to get us a car just like the first we have picked on allegations of not being able to find one. The car we got from them was one that they already had in their parking lot and the same that was provided to us while they where looking into getting the right van for us. Which took about a week. I never ask for any monetary compensation but specifically for the DVD player. He did mention about doing it at his cost to what I replied that after all the trouble as well as canceling our vacations we deserved better then that " free of cost"And he said he would look into doing it.After that he didn't take any of my calls or return any of my messages.Thank you,
[redacted]

Please have customer return and see me. (Bobby B[redacted] - Service Director) I will do my best to make sure that the radio and oil light are repaired.

Per General Manager, Amar R[redacted], the customer has been contacted and a replacement vehicle is being provided.