Albert G Yxd
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New Reviewer
Albert G Yxd
Milamode - Poor Quality and Customer Service
Very slow delivery service. Shirt was of poor quality and well undersized. Tried to initiate return process but, it's not as advertised. The buyer is to pay for return once return is authorized. No return authorization was ever issued, and no replacement will be authorized. If you want a replacement, you must first return the original item and then buy the replacement. Company countered with a quick 15% return on the cost.
Loss:
$25
Pros:
- Good advertising as far as pics & discriptions
Cons:
- Wrong sizing
Preferred solution: Full refund
User's recommendation: Consider buying from another company.
Albert G Yxd
Loan Depot - Adverse Action Notice Improperly and Deceptively Filed
I explained why I wanted to refinance my home loan to the loan officer and made the erroneous assumption that he understood. Unfortunately, Loan Depot back-loaded fees that were never explained to me which, in essence, increased the cost of my mortgage by over $10,000.00. The reduction in my monthly payment was minimal (and that was his selling point) but it would take over 5 years to pay down my loan to where it was before I began the refinancing process. That together with steep closing costs sent up a red flag. This was a win-win situation for Loan Depot but not very beneficial to me. The day before closing, I cancelled the refinancing and walked away from the deal. Three weeks later I received a letter informing me that an Adverse Action Notice, which they say was required by law, had been filed. They said that under the Fair Credit Reporting Act (FCRA) lenders are required to let you, the applicant, know why they've taken the notice against you. And why they were unable to offer a mortgage loan to you because of information contained in a consumer report. And that they are required to describe the principal reason for Credit Denial. What the letter does not say is that there was no credit denial, and that it was the applicant who terminated the refinancing process (which was my right to do) prior to closing. The letter was issued in bad faith and should not have been filed because there was no information contained in any consumer reports that could be used to deny credit. Loan Depot had nothing to do with the termination of the refinancing process. The principal reason for terminating the refinancing process was listed as CREDIT APPLICATION INCOMPLETE, which unto itself was correct. Loan Depot filed a notice against me because I cancelled the refinancing process, not because of any credit issues. The letter is misleading by design and is a wake-up call; it uses terms like credit denial. as noted above; there was no credit denial. So, be forewarned, if you terminate the refinancing process for any reason at any time before closing, Loan Depot will attempt to adversely affect your credit which they say the law requires them to do. BUYER BEWARE, Loan Depot is using questionable business practices to adversely and improperly affect a customers credit. Use common sense and go elsewhere.
Pros:
- On-line applicaation
Cons:
- Deceptive business practices
Preferred solution: Retraction of an improperly filed letter indicating my case file was denied because of information contained in a consumer report.
User's recommendation: Review the Application Termination Process Before Enrollment
1 comment
Albert G Yxd
Lifetime Enclosures - Poorly Run Company/Don't Use Them
Stay away from this company! Their prices are too high, they propose schedules they know they can't meet, they rarely return phone calls unless requesting money, they offer way too many excuses and they provide a warranty that they will not stand behind. Since Lifetime Enclosures refused to inspect our lanai after completion, I paid for a certified building inspector to look at the Lanai. He told me that the gutters were not installed properly so I now have a drainage problem. The main gutter was pitched incorrectly which has resulted in pooling in the middle/center of the gutter. Failure is inevitable and will be costly! Contacted Lifetime Encloses several times by phone and emailed my claim with photographs to five Enclosure employees. After six months of repeated phone calls, still no response. The next step is legal intervention. I highly recommend potential customers go elsewhere!
Loss:
$500
Reason of review:
Warranty issue
Preferred solution: Let the company propose a solution
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LOAN DEPOT SUCKS