Complaint Review: Nations Choice Mortgage - Gilbert Arizona

Whether you believed the lie you espoused is irrelevant. You wrote that you had refunded her check and returned her appraisal which you later openly admit you hadn't done. You misrepresented the truth. In other words, you lied! Now grow a sac, and refund this lady's money and apologize.

I can not expand on this topic any further due to our clients Right to Financial Privacy.

I am posting this in response to the owner's rebuttal. I posted my email correspondences with Nations Choice below to show the following: The owner, Chad Fisher, clearly did not fully investigate the issue before posting a rebuttal that accused me of being a liar and deceiving the consumers about his company's prompt refund of my $350 good faith deposit. He also made a comment that my loan was declined which is not true. And lastly, none of the staff at his company cares to respond to their customer's concerns. I applied for a stated income loan which means the loan officer needed to assess my income and debt which I fully disclosed when we discussed my loan options. I clearly stated to my loan officer that I wanted a no-point loan. However, 55 days into escrow, and right before the release of the loan docs, he advised me that there will be a point added to the closing costs. I refused the loan and I have written confirmation that I refused the loan. This means that the owner's comment about my loan being declined is not true. This is a public forum for consumers to post their concerns and share with othe consumers their experience. Owners such as Chad Fisher should be fined for making untrue statements about me and my experience in his rebuttal without fully investigaing this issue. He also made no plans for any apologies. This is clear that the owner of this company does not care to improve his services for better cusumer experience. -----Original Message----- From: Luong, Melody Sent: Wednesday, May 12, 2004 11:47 AM To: 'Chad Fisher' Subject: RE: Rip-Off Rebuttal Chad, I am occupying the property in question whatever you are trying to imply with this question. You are welcome to contact San Diego Gas & Electric andthe City of San Diego Water utilities if you want to confirm this for yourself. Melody Luong -----Original Message----- From: Chad Fisher [mailto:[email protected]] Sent: Wednesday, May 12, 2004 11:26 AM To: Luong, Melody Subject: RE: Rip-Off Rebuttal I will gladly do so once you update the fact that you were declined for your initial program and that changed your terms as I stated in the email. Areyou occupying the property in question? >>> 05/12/04 11:10AM >>> Chad, There is no reason for me to refuse a refund that is due to me. However, you should also update the rebuttal to communicate the error that you made. You made some strong comments that were clearly incorrect and should be modified. Melody Luong -----Original Message----- From: Chad Fisher [mailto:[email protected]] Sent: Wednesday, May 12, 2004 11:05 AM To: Luong, Melody Cc: Carol Dye Subject: Re: Rip-Off Rebuttal As I told you I did not lie. I truely believed we sent the $350 and that is why we are sending today. I was given incorrect information by a staff member. Because I made an error and thought we did something we clearly did not, the only thing I can do to fix that is to send you a check and honor what I put in writing. Regarding your contacting me I did not receive your correspondence. Please let me know if the check is not delivered to you timely. If this is not acceptable to you please email me back and I will not send the check and update the rebuttal to notate my error and state that we are not sending a check as I would not have authorized it under the facts surrounding your transaction. Please let me know today either way. >>> 05/12/04 10:34AM >>> Chad, I left you a message on your voicemail on April 12th. If you review the string of emails below, you were also copied on most of my compliant emails. So whether or not you received my voicemail message is beside the point. Your apology is really short from being genuine. Please be advised that you should not call your customer a liar on a public forum if you have not fully investigated the issue. And your comment regarding the refund in the rebuttal report was: "I can tell you that we did give this individual a copy of her appraisal and refunded her $350 application fee before knowing of this report. After reading her inaccurate/half truth report I regret that our company did so." So clearly you have lied again. Below is the link to your rebuttal if you would like to review it again. You can copy and paste the address on the address bar to view the link. http://www.RipOffReport.com/view.asp?id=87767 Melody Luong -----Original Message----- From: Chad Fisher [mailto:[email protected]] Sent: Wednesday, May 12, 2004 9:43 AM To: Carol Dye; Dan Cincera; Jim Mulica Cc: Luong, Melody Subject: Re: Fwd: Rip-Off Rebuttal I am sorry for the confusion. I was told we sent out the $350. I do not lie. Because I stated that we did refund it a check will go out in the mail today. I would also like to know when you tried contacting me as I never received a phone call or email regarding your issue. I was not happy to see a complaint on something that I had no way of resolving or helping on. Thank you for bringing my error to my attention. Chad Fisher >>> Glenda Guess 05/12/04 08:22AM >>> Chad, Your comments about my half-truths are very funny because I think if I did make some half-truth statements, it is better than a lie direct from the owner of a mortgage company. I did not get a refund of $350 from you and the appraisal report was never sent to me. I should just give you the benefit of the doubt and assume that what you mailed to me was lost in the mail. Please send me my refund of $350. Melody Luong -----Original Message----- From: Luong, Melody Sent: Tuesday, April 13, 2004 12:19 PM To: '[email protected]'; 'Jim Mulica' Cc: '[email protected]'; Luong, Melody Subject: cancel loan request-unreliable service Good Day, I left several messages and also sent several emails but did not get a response from anyone. It appears that no one cares about the seller's or my position in this purchase agreement. Throughout this process, I have acted in good faith to provide all necessary documents in a timely manner, however your associate have not done anything to prove to me or the seller that you have our interest in mind. Please cancel my loan and refund my $350.00 back since I paid for the appraiser. Both the seller and I have no faith in your service. Your team has been unresponsive and unreliable. Melody Luong -----Original Message----- From: Luong, Melody Sent: Monday, April 12, 2004 2:43 PM To: '[email protected]' Cc: '[email protected]'; Luong, Melody Subject: unacceptable service Dan, I spoke to Jim Mulica today and he advised me that my loan had to be re-submitted because they had to re-calculate the debt-to-income ratio. This is not acceptable service since I was counting on your experienced staff to get my loan closed on time. I left you a message on Friday and again this morning, but have not heard from you. The last time I had issues, I sent you an email and left you a message, but did not hear from you either. I trusted that I would receive good service from your company since I am a repeat customer, but I am not sure you or your staff appreciates this. If the reason for the delay is the re-calculation of my debt-to-income ratio, then that means my loan officer did not do a good job of thoroughly reviewing my information before he gave it to the processor to submit to the underwriter for review. I understand that at this point, I have no choice but to wait for the underwriter to get back to Jim, and this only means two more days of anxietyfor me and the seller. I have received no reassurance from anyone at your company that my loan is properly handled. On top of that, I did not get any apologies regarding the time it is taking for your company to close my loan. If this was a re-finance, then I would not be so anxious, but please understand that this is a purchase and I will lose my deposit because your staff has been so incompetent. Whether this service was a result of your high volume of business or your staff, I expect at least a call from the loan officer's manager to reassure me that he has reviewed my case and give me some reassurance, but what I experienced is no follow-up, no timely returned phone calls, and one delay after another. Please review my case and give me a call to explain the reasons for all the delays as well as why it took until now to re-calculate my debt-to-income ratio. Melody Luong -----Original Message----- From: Luong, Melody Sent: Thursday, March 11, 2004 1:31 PM To: '[email protected]' Cc: Luong, Melody; 'Jim Mulica' Subject: File: Luong Dan, I spoke to Jim Mulica yesterday and he advised me that he will lock my rate first thing in the morning and send me confirmation regarding the lock. I sent him an email this morning to inquire about it and left him a voicemail message. I have not heard from him all day today and am concerned about this issue. Please give me a call at your earliest convenience regarding this matter. Melody Luong -----Original Message----- From: Luong, Melody Sent: Thursday, March 11, 2004 1:14 PM To: Luong, Melody; 'Jim Mulica' Subject: RE: Lock Rate Jim, I left you a voicemail message and sent you an email this morning. Please contact me and let me know if the rate has been locked. I do not want to find out later that it is too late to lock the rate. We have been pre-approved The appraisal is complete The addendum was faxed to you Your Loan processor advised that the verbiage on the addendum is good I am not sure why this is such a big issue for me to lock my rates. Please give me a call or reply to my email. Thanks. Melody Luong

For the record I the owner of the company was never contacted by this client through either voice mail or email. If I had been she would have been contacted by me personally. This client applied for a loan and once underwritten was declined for the program she applied for due to inaccurate and unverifiable information submitted on the application. When we lend an individual several hundred thousand dollars we have the right and duty to document all information given. Due to Financial Privacy Laws I am unable to be more specific. I can tell you that we did give this individual a copy of her appraisal and refunded her $350 application fee before knowing of this report. After reading her inaccurate/half truth report I regret that our company did so. Had she been able to verify the information provided in a timely manner her fees still would have increased due to the program changing as it did. Regardless, we did what was right and refunded her 100% of what she put into this transaction as we always go the extra mile even when the client rightfully does not deserve it contractually. It just seems like the best thing to do from a companies position. I do realize we can not please everyone with the thousands of clients we serve annually. We do however try and will continue to do so.