First Eastern Mortgage Corporation

Better Business Bureau: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below Thank you for the delay tacticPlease expedite the request for resolutionI have been seriously impeded due to the mistake made by the institutionThis has cost me creditability, impacted my personal business, and my home ownership in refinancing I am in contact with a lawyer to begin analysis of my case and to see to witch point I am legaly able to sue the institution and the maximum I can claim as determined by lawI am witholding the lawsuit seeking a simple resolution, any further delay and my lawyer recommends proceeding with the lawsuit Regards, [redacted]

Firstly we would like to apologize for your unsatisfactory visit and any misunderstanding or miscommunication that may have occurredWe strive to provide our clients and their pets with high quality medicine and exceptional customer service with every visit We would also like to offer our sincere condolences for your loss - we know how difficult it can be to lose a beloved petIt breaks our hearts when we hear of the passing of one of our patients I can assure you we do not charge for any testing, procedures or medical supplies that we do not do or use on your petIf you feel there is something on your invoice that needs to be removed or further explained please feel free to contact us at [redacted] and ask to speak to the Practice Manager - he will be happy to go over every line item with youIf there is anything in error on your invoice we will be happy to promptly correct it Our utmost priority is always the well being of each and every pet we have the opportunity to seeUnfortunately, animals are unable to communicate to us what is going wrong with them like humans are able to do When each case presents to our Hospital our Veterinary team must use a process of elimination to successfully diagnose and offer the optimal treatment plan for that specific caseWe certainly understand this process can be both an emotionally and financially draining one for pet parents which is why our Veterinarians make recommendations based on their experience, expertise and their complete dedication to practicing high quality medicineWe take into consideration all factors and seek consent from pet parents before moving into a course of actionWhile we do sympathize with the fact that Veterinary care can cause unexpected expenses for the caregiver, our primary concern is providing each patient with optimal care; not financial gain Our entire team is committed to the best possible outcome for each and every caseGiven the critical condition of your pet, it was decided to perform the blood draw in the treatment area of the Hospital where quick access to life saving drugs and a source of oxygen was available if neededOne of our Doctors did the blood draw personally and the person who brought your pet back to the room was not the one who assisted the Doctor on the blood drawWe apologize if she seemed to not know where the blood draw was done but since she did not witness it she did not knowThis in no way affected the quality of medicine being performed on your petThe fact there was no evidence of a blood draw is a testament to how well the blood draw was donePerhaps you were looking for a shaved area as evidence of a blood draw – this is normally not necessaryYour pet’s laboratory testing was promptly started after the blood drawYour pet was seen in April and the Doctor diagnosed Heart Failure and prescribed the appropriate medications for that conditionThe episodes your pet was having at this time were diagnosed as Syncope which is commonly confused with seizuresDuring a Syncope episode the heart gets out of rhythm and is unable to sufficiently supply the body with oxygenated blood and the pet passes out from a lack of oxygen –a very serious conditionWhen we saw your Pet again in September the Doctor noticed changes from the previous visit over four months agoWith the limited budget she was able to determine that Kidney problems and seizures, most likely due to a brain tumor, had presented on top of the advancing Heart FailureThe Doctor did go over the test results with you while in the room after we had run them in our laboratory, discussed quality of life with the pet’s conditions and gave a poor prognosisThe Doctor prescribed and sent home Levetiracetum, an anti-seizure medication and some free samples of a prescription diet designed to help with kidney functionOur prices are very competitive and usually fall into the 25th percentile when compared to the national averageThat means our prices are in the lowest bracket compared to what is being charged by other practices on that levelWhen there are financial restrictions placed on the case the Doctors work with the pet parent to stay within budget and come up with a treatment plan that will provide the best possible diagnosis and treatment optionsOur Hospital maintains a well stocked pharmacy with competitive pricing for our client’s convenience, especially when drugs are needed immediately to start treatment of a pet’s conditionWe do, however, routinely provide written prescriptions to be filled at any pharmacy our client choosesThis is commonplace and in no way affects how we treat a client in our practiceWhile we wish every pet that enters our facility could have an excellent prognosis or at least a treatable condition, our many years of experience has shown us this is just not always possible no matter what the budget may beOnce again we would like to sincerely offer our condolences for your loss and completely understand the grief you are experiencing We do not feel, however, that you were charged incorrectly or that this patient was treated inappropriatelyAs stated previously our Practice Manager would be more than happy to personally go over any remaining questions or concerns you may haveWe have been a Revdex.com A+ rated business for over years now and this is our first complaintI think our stellar record with the Revdex.com speaks volumes about how we conduct a fair and caring business

[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 submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint # [redacted] I understand that by choosing to accept the business response that my complaint will be closed as resolved Regards, [redacted]

I have reviewed the response offer made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Firstly, I did receive the apology, rather done out of good faith of the company or not is up for debate, but nevertheless I do accept that part, However there is a lot I do not agree withFirstly, my dog was never diagnosed with heart failure, he was diagnosed with a stage 3-heart murmur, which was explained by the vet that it could possibly lead into heart failure later into his life(rather this is true is clearly up for debate now, as everything this vet has said I no longer feel can be trustedbut it is what me & my mother were both told)I am fully capable of reading and understanding everything on the bill invoice I do not need to speak to a manager, to have someone explain to me what it means and why it is therethat in no way is an acceptable response as the company has never provided evidence as to the September & April test's ever being performed, even after requesting on the date of the last appointmentAs I have said before I have been going to this facility for a long time & had never experienced anything unusual with the actions of the doctor,nurses & other employee's other than the April & September appointments in questionother than the physical that I witnessed to my knowledge that was the only thing that was actually performed, which was done poorly in a rush job, since neither the nurse or doctor ever checked him temperature among other thingsIt is the companies word against mine as to rather or not the test was performed since there clearly isn't any evidenceBut in my personal experience on the days I have referred to above my dog was not treated properly & did not receive the vital care he needed, specifically in SeptemberThe vet & nurses watched my dog suffer from having seizures back to back, knowing his heart was already struggling in regard's to his murmur & they did nothing to help him, there was no compassion or regard for his well beingTheir only goal was to drive my bill up as far as they could, not perform tests paid for and send me home with a dying dog and no answers or treatmentThey did provide a medicine, which they didn't even bother giving to him, despite him having seizure's back to back & being unable to properly breathe, regulate his body temperature or bodily functionsWith everything that has been said, I do feel the LEAST this company can do is refund the money they obtained (minus medication) on the dates for the poor treatment of my dog & overall bad customer servicein your years of business I am glad no one else reported that they received the poor treatment my dog received in his time of need & lost their pet/loved one because of these situationsIn the end my dog & I have paid the biggest price, which was loss of life & no one can replace that Regards, [redacted]

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint # [redacted] I understand that by choosing to accept the business response that my complaint will be closed as resolved IN additionI would like to clarify one pointI understand the law protecting an individual from having multiple reports show up on a credit report in days The issue in fact is that: inquires where on 11/5/the initial, 11/13/ the first we requested removed, 11/20/ the second we requested removed, and 12/16/the final that was requested to be removed As anyone can see all entries are within the day period that is supposed to be covered by the Fair Credit Reporting Act ( "FCRA") a total of days between inquiries I have records of this on [redacted] ***, and on the refinancing report I have had done since completedThere was no cash value but the defamation of name and character I am happy to work with the company and call this resolvedlooking forward to having the errors removedRegards, [redacted]

Dear Mr***:I am responding to the correspondence you sent to the Revdex.com regarding your loan application to secure a mortgage loanIn it you make several allegations and express concern regarding credit enquiries made by First Eastern Mortgage in connection with your loan requestI understand your concerns and take them very seriouslyCredit reports and credit ratings are important factors as they affect our lives in many waysI have thoroughly researched this matter and present the following information for your consideration
In your correspondence you state that four credit report enquiries were madeThis is correctAn error involving the spelling of your name resulted in more than two credit enquiries being made on your behalf to complete your loan transition
Your belief that you never authorized First Eastern to pull more than one credit report is not correctFirst Eastern was acting appropriately and upon your authority to move forward with your request for financing, and, in fact, two credit reports are required to complete every loan transactionThe first enquiry ensures the applicant meets credit requirements necessary to proceed with the applicationThe second enquiry occurs at closing to confirm no additional debt or derogatory credit has occurred since the initial credit enquiry at time of application
The most important factor in this matter is knowledge of the Fair Credit Reporting Act ("FCRA") which protects consumers' rights: FCRA requires credit reporting agencies to treat multiple inquiries from the same company within a day time frame as one enquiryIn other words the additional credit enquiries made by First Eastern on your behalf which were necessary to grant your mortgage loan had no impact on your credit scoreThis also addresses your assertions regarding taking action to make correctionsThere is no need for further action because the additional credit enquiries had no effect on your credit score
I hope this information will satisfy your concernsPlease do not hesitate to contact me if you have any further questions regarding this matter
Sincerely, *** ** ***President - Mortgage DivisionFirst Eastern Mortgage, a Division of* *** ***

I had told the company that I needed to be brought down to a concert and I was quoted a price for the concertHe told me it would take and a half hoursI've been there and I said "no" it was going to take to hours because of traffic and it is one of the biggest concerts this summerHe told me that I was crazy and not once has it ever taken that long to get thereI stressed that I could not be late to this concert I had backstage passes and meet and greet passes that my husband had spent thousands of dollars onSo he said what time I wanted to be picked up I said because I knew it would take that long to get thereHe said " NO" he wouldn't pick us up that early and if I wanted extra time it would cost extra even though I was quoted for the concert not how many hoursSo already he was trying to rip me off and pocket extra moneyI said I can't be late I stressed I needed to be there at a certain and he guaranteed me that it would not take hoursWhen he got to pick us u

May 10, *** *** ***
** *** ***
*** ** ***
* Re: Revdex.com Complaint #*** *** *** *** Refinance Application: ** *** *** *** **
*** Dear Ms***: I am responding to the complaint filed with the Revdex.com regarding your refinance application with First Eastern Mortgage, the mortgage division of *** *** *** *** ** ***, The Revdex.com indicates that the "Desired Settlement" is to be credited the amount you paid for the appraisal work performed in connection with your application Appraisal fees for services already rendered are not refundable, however, in researching this matter, I learned that the mortgage officer you met with had already refunded your appraisal fee directly to you through *** As the settlement requested has been provided, I consider this matter to be settled and closed with no further action warranted If you have any further questions, please do not hesitate to contact me Sincerely, *** ** *** President cc: Revdex.com wd: lt *** ***

We are confirming receipt of Mr. ***'s complaint and will respond soon. We ask for patience while we research this information so we may provide a fully informed response.Sincerely, The Management TeamFirst Eastern MortgageFirst Federal Savings Bank of Boston

Better...

Business Bureau:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
Thank you for the delay tactic. Please expedite the request for resolution. I have been seriously impeded due to the mistake made by the institution. This has cost me creditability, impacted my personal business, and my home ownership in refinancing.  I am in contact with a lawyer to begin analysis of my case and to see to witch point I am legaly able to sue the institution and the maximum I can claim as determined by law. I am witholding the lawsuit seeking a simple resolution, any further delay and my lawyer recommends proceeding with the lawsuit.
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
I am willing to concede, under your explanation, that I authorized two credit pulls. I was NOT notified or told of the second pull, whereas it should have been expressed to me at the time of the initial consultation. That would be a failure on behalf of your employee for improper representation of the services you provide and the full details included there in. In case where the Incorrect spelling of my name resulted in an Additional TWO pulls should not therefore be showing on my report as you clearly where not searching me. In Legal court proceedings an invoice improperly entered,recorded, or errors in name and identity and location, result in a Voided bill. A Client can refuse to pay as "it was not billed to me, this is not my name."  In regards to this Legal issue I should not have to pay for the 2 pulls on my credit, as " it's not my name" that was pulled. The assumption could be made that the misspelled name could have also had multiple pulls as well ( my lawyer is looking into this.)  This is an error on behalf of your employee, representing your company, I have a document stating the apology for the misspelled name.   In conclusion I still feel that the weekly HARD CREDIT PULLS should have been SOFT CREDIT PULLS but I am willing to concede the Final pull, not the two in the middle.   I am still seeking restitution on this issue. The simple resolution would be to remove the two middle inquiries, as you are authorized for a initial and final credit check. Although this is the first time I have ever had two Hard Credit pulls normaly the second is a soft credit pull. Please respond within 5 business days.  
Regards,
[redacted]

Dear Mr. [redacted]:   I would like to address your concerns and dispel any possible misunderstandings about the processing of your loan application.    In your follow-up to the Revdex.com you question First Eastern's authority to request credit reports, state you should not have to pay for the extra two credit pulls that were pulled as a result of an incorrect spelling of your name, and ask First Eastern to remove the record of the two extra credit inquiries from your credit history.  In response, please be advised of the following.   Re: Authorization to Pull Credit Reports: "The Intent To Proceed" form authorized First Eastern to take the steps necessary to process and grant your loan, which we did successfully, on your behalf.  This includes requesting credit reports to determine creditworthiness.  Re: Your Credit Rating:  As previously noted in my initial response to your inquiry, your credit rating has not been affected by the extra credit pulls.  The Fair Lending Act's "Right To Shop" rule prohibits this from occurring.   Re: Credit Report Fee: You incurred no additional fee(s) for the extra credit report pulls.  The total amount you were asked to provide for obtaining your credit reports was the usual fee that every customer pays when he/she applies for a mortgage loan with First Eastern.    Re: Your Request for removal of the extra credit pulls from your credit history: In view of the above information, no further steps appear to be warranted; however, I hope to resolve this matter to your satisfaction and made inquiries to determine if it is possible to remove the extra inquiries. A representative of the credit bureau we work with has informed me the extra inquiries may be removed from your credit history. I am therefore offering you this option; however, please note that your cooperation will be required to make this modification to your credit history.  The credit bureau requires both the Bank and you, the customer, provide a letter making this request and specific instructions must be followed in order for the credit bureau to grant the request.  We will provide the instructions to you should you wish to proceed with your request.   At this point, I feel I have adequately addressed your concerns and would like to bring this matter to a close.   If you wish to have the extra credit reports removed, please email me at [redacted]  so we may work together to get this issue resolved.        Sincerely,  
[redacted] President / Mortgage Division First Eastern Mortgage A division of [redacted]

[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 submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Firstly we would like to apologize for your unsatisfactory visit and any misunderstanding or miscommunication that may have occurred. We strive to provide our clients and their pets with high quality medicine and exceptional customer service with every visit.  We would also like to offer our...

sincere condolences for your loss - we know how difficult it can be to lose a beloved pet. It breaks our hearts when we hear of the passing of one of our patients.   I can assure you we do not charge for any testing, procedures or medical supplies that we do not do or use on your pet. If you feel there is something on your invoice that needs to be removed or further explained please feel free to contact us at [redacted] and ask to speak to the Practice Manager - he will be happy to go over every line item with you. If there is anything in error on your invoice we will be happy to promptly correct it.   Our utmost priority is always the well being of each and every pet we have the opportunity to see. Unfortunately, animals are unable to communicate to us what is going wrong with them like humans are able to do.  When each case presents to our Hospital our Veterinary team must use a process of elimination to successfully diagnose and offer the optimal treatment plan for that specific case. We certainly understand this process can be both an emotionally and financially draining one for pet parents which is why our Veterinarians make recommendations based on their experience, expertise and their complete dedication to practicing high quality medicine. We take into consideration all factors and seek consent from pet parents before moving into a course of action. While we do sympathize with the fact that Veterinary care can cause unexpected expenses for the caregiver, our primary concern is providing each patient with optimal care; not financial gain.  Our entire team is committed to the best possible outcome for each and every case. Given the critical condition of your pet, it was decided to perform the blood draw in the treatment area of the Hospital where quick access to life saving drugs and a source of oxygen was available if needed. One of our Doctors did the blood draw personally and the person who brought your pet back to the room was not the one who assisted the Doctor on the blood draw. We apologize if she seemed to not know where the blood draw was done but since she did not witness it she did not know. This in no way affected the quality of medicine being performed on your pet. The fact there was no evidence of a blood draw is a testament to how well the blood draw was done. Perhaps you were looking for a shaved area as evidence of a blood draw – this is normally not necessary. Your pet’s laboratory testing was promptly started after the blood draw. Your pet was seen in April and the Doctor diagnosed Heart Failure and prescribed the appropriate medications for that condition. The episodes your pet was having at this time were diagnosed as Syncope which is commonly confused with seizures. During a Syncope episode the heart gets out of rhythm and is unable to sufficiently supply the body with oxygenated blood and the pet passes out from a lack of oxygen –a very serious condition. When we saw your Pet again in September the Doctor noticed changes from the previous visit over four months ago. With the limited budget she was able to determine that Kidney problems and seizures, most likely due to a brain tumor, had presented on top of the advancing Heart Failure. The Doctor did go over the test results with you while in the room after we had run them in our laboratory, discussed quality of life with the pet’s conditions and gave a poor prognosis. The Doctor prescribed and sent home Levetiracetum, an anti-seizure medication and some free samples of a prescription diet designed to help with kidney function. Our prices are very competitive and usually fall into the 25th percentile when compared to the national average. That means our prices are in the lowest bracket compared to what is being charged by other practices on that level. When there are financial restrictions placed on the case the Doctors work with the pet parent to stay within budget and come up with a treatment plan that will provide the best possible diagnosis and treatment options. Our Hospital maintains a well stocked pharmacy with competitive pricing for our client’s convenience, especially when drugs are needed immediately to start treatment of a pet’s condition. We do, however, routinely provide written prescriptions to be filled at any pharmacy our client chooses. This is commonplace and in no way affects how we treat a client in our practice. While we wish every pet that enters our facility could have an excellent prognosis or at least a treatable condition, our many years of experience has shown us this is just not always possible no matter what the budget may be. Once again we would like to sincerely offer our condolences for your loss and completely understand the grief you are experiencing.  We do not feel, however, that you were charged incorrectly or that this patient was treated inappropriately. As stated previously our Practice Manager would be more than happy to personally go over any remaining questions or concerns you may have. We have been a Revdex.com A+ rated business for over 37 years now and this is our first complaint. I think our stellar record with the Revdex.com speaks volumes about how we conduct a fair and caring business.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  IN additionI would like to clarify one point. I understand the law protecting an individual from having multiple reports show up on a credit report in 45 days.   The issue in fact is that:  inquires where on 11/5/15 the initial,   11/13/15  the first we requested removed,  11/20/15  the second we requested removed, and 12/16/15 the final that was requested to be removed.  As anyone can see all entries are within the 45 day period that is supposed to be covered by the  Fair Credit Reporting Act ( "FCRA")  a total of 41 days between inquiries.  I have records of this on   [redacted], and on the refinancing report I have had done since completed. There was no cash value but the defamation of name and character.  I am happy to work with the company and call this resolved. looking forward to having the errors removed. Regards, [redacted]

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Firstly, I did receive the apology, rather done out of good faith of the company or not is up for debate, but nevertheless I do accept that part, However there is a lot I do not agree with. Firstly, my dog was never diagnosed with heart failure, he was diagnosed with a stage 3-4 heart murmur, which was explained by the vet that it could possibly lead into heart failure later into his life. (rather this is true is clearly up for debate now, as everything this vet has said I no longer feel can be trusted. but it is what me & my mother were both told). I am fully capable of reading and understanding everything on the bill invoice I do not need to speak to a manager, to have someone explain to me what it means and why it is there. that in no way is an acceptable response as the company has never provided evidence as to the September & April test's ever being performed, even after requesting on the date of the last appointment. As I have said before I have been going to this facility for a long time & had never experienced anything unusual with the actions of the doctor,nurses & other employee's other than the April & September appointments in question. other than the physical that I witnessed to my knowledge that was the only thing that was actually performed, which was done poorly in a rush job, since neither the nurse or doctor ever checked him temperature among other things. It is the companies word against mine as to rather or not the test was performed since there clearly isn't any evidence. But in my personal experience on the 2 days I have referred to above my dog was not treated properly & did not receive the vital care he needed, specifically in September. The vet & nurses watched my dog suffer from having seizures back to back, knowing his heart was already struggling in regard's to his murmur & they did nothing to help him, there was no compassion or regard for his well being. Their only goal was to drive my bill up as far as they could, not perform tests paid for and send me home with a dying dog and no answers or treatment. They did provide a medicine, which they didn't even bother giving to him, despite him having seizure's back to back & being unable to properly breathe, regulate his body temperature or bodily functions. With everything that has been said, I do feel the LEAST this company can do is refund the money they obtained (minus medication) on the 2 dates for the poor treatment of my dog & overall bad customer service. in your 37 years of business I am glad no one else reported that they received the poor treatment my dog received in his time of need & lost their pet/loved one because of these situations. In the end my dog & I have paid the biggest price, which was loss of life & no one can replace that. 
Regards,
[redacted]