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Lower My Bills Rating
Address: 4859 W Slauson Ave #405, Los Angeles, California, United States, 90056
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This company is providing my information regarding a re-finance inquiry that was completed 2 months ago.
I inquired about taking out a home equity line of credit 2 months ago I am still receiving calls after saying I was ok and no longer needed those services. I received a call today and the rep stated lower my bills sent them my inquiry that was done on 6/13/20 this in false and I want my information removed from their site.
I want all information removed and their partners no longer contact me.
Of course, we're sorry to hear that this consumer has had challenges in resolving their request. I would note a couple of things:
LowerMyBills is an online financial services marketing platform. Consumers interested in financial services providers visit the site, submit their self-selected information, and are subsequently matched to third party service providers who reach out to consumers to answer questions about specific products and services they may offer.
Once sent, LMB does not control or manage the contact, or receive compensation for the services that third party may render.
From the consumer's submission, it appears they were matched with providers approximately 2 months ago. And may have been re-contacted subsequently, by one or more third parties.
Again, LMB does not control the third party vendors, nor does it have control over their Do Not Call list processing.
Separately, it does not appear that the consumer visited the site, or used the link from the LMB emails, which would allow them to opt out or be placed on a de not call list.
The notes from the inquiry indicate that the consumer emailed [email protected]. *** was previously the CEO of Core Digital Media (LMB's parent company) but has not held that position for several years, and was not the customer care contact email address for the account. So, it would appear that we simply were not aware of Mr. Robinson's request.
As of receiving this message, we have updated our Do Not Call list, and added Mr. Robinson's email to that list, opting him out of future mailings or calls from LMB. And, though we do not control third party DNC lists, we've also added him to our "scrub list" which is provided to all affiliated marketing entities.
(The consumer indicated he/she ACCEPTED the response from the business.)
Lower my bills is sharing a LIE as clickbait. Their ad states "Trump is on a roll: March 12, 2020 Trump ends another Obama Era Program." This is the only true statement in the ad. The rest of the ad is completely misleading and a lie. The program the ad refers to is the EMERGENCY MORTGAGE RELIEF PROGRAM for Veterans, started in 2012 - which helped veterans get and pay for mortgages starting in 2012. Trump ended this program in March 2020. The rest of the FALSE clickbait ad states, "If you owe less than [x] and haven't missed a mortgage payment in 6 months, use Congress's mortgage stimulus program for the middle class. You'll be shocked to see how much you can save."
Trump ended the program misleadingly referenced as "for the middle class" is this FALSE ad. America deserves watchdogs to monitor these liars. Trump is on a roll, and hopefully our veterans and middle class will make sure it is right out of the Oval Office.
We appreciate the opportunity to address these concerns. First, we would emphasize that nothing in our materials is intended to be an endorsement or political association of any kind. LMBMSI collects demographic and service preference information, for the purpose matching to interested consumers. Consumers are advised that submitting their information will result in being contacted by selected companies providing financial services in their area of interest.
LMBMSI is paid a flat marketing fee for its services.
With respect to the advertising in question:
The first example was "Trump On A Roll." The purpose of this headline is to reflect the current nature of White House activity in the financial markets. Through a variety of activities or messaging, by virtue of his office, there's no question that Trump's public statements (in addition to whatever private action takes place) has an effect on financial markets. One example of this has been the President using public pressure on the Federal Reserve to be especially aggressive in exercising its authority. The Federal Reserve has, in fact, taken several actions after the President started this public pressure. he Federal Reserve has reduced interest rates and announced the purchasing of large quantities of mortgage-backed securities . These actions have direct effects on mortgage rates .
As noted, LMBSI's service matches consumers interested in refinancing with lenders who may be able to assist them in that process, so the fluctuation of mortgage rates is directly related to interest in our product. LMBSI sees "Trump On a Roll" paired with copy about refinancing as highlighting that Trump's actions have had effects on the mortgage rates and therefore there may be increased interest on the part of the consumer for our product.
For the second headline, "Trump Ends Another Obama Era Program," LMBSI is referring to the ending of the HARP program in 2018. While the Trump administration chose not to extend HARP, which was designed to make refinancing possible for homeowners that were underwater or near-underwater on their loans, there have been subsequent programs that can still help homeowners. As our service is about connecting homeowners interested in refinancing with lenders that may be able to help, we see the programs administered by these government-sponsored enterprises as relevant for many consumers when considering using our matching service. Fortunately, we believe that there are still opportunities for Veterans and others to access valuable, low rates for refinances.
This is an absolutely disgusting company. I am being bombarded with their *** Trump related spam. Birds of a feather flock together. Lower my bills my ***. What a load of carp.
s for fraudulent lead generation. Good for Texas. We need more state Attorney's Generals to follow suit and but them out of business and in chains and orange jumpsuits
I tried to opt out using Ad Choices which should be ashamed for feeding this *** online. At A Choices I found that their opt out page had spam and I was instructed to get the *** out. There is simply no way that I can see to stop the spam.
I see that the State of Texas won a two million dollar lawsuit against these b
I agree with Ken M a negative star would be better than what we are given as an option. I am thinking I need to get busy and file a complaint with the FTC or FCC who ever is responsible for monitoring this garbage.
We appreciate the opportunity to address this consumer's concerns. LMB is an online information site, that matches in-market consumers with interested financial service providers. The site references current government mortgage programs. From the materials here, it appears that this consumer is seeing online banner advertising (not spam in their email). If there are messages going to their email, there is an unsubscribe link in every email message, as well as a dedicated, automated unsubscribe process on the website.
Based on the reference to Ad Choices, I presume this consumer is trying to avoid seeing the banner advertising online. Our website opt-out function does not act as a banner ad suppressor. The online advertising LMB creates are distributed by ad platforms, which distribute across their site networks. LMB does not control the targeting or display of those specific ads for or to, specific consumers. We agree that the consumer's best option would be to use their browsers ad block settings, or third party services that also proactively block advertisements.
While we understand this consumer's frustration, we'd note that the State of Texas actually targeted an LMB advertiser for its misconduct, and LMB successfully addressed all of the Attorney General's concerns as to LMB's conduct, as part of the resolution process.
Again, we believe the most direct path to resolution for this consumer would be to seek additional online banner ad blocking. But, in an attempt to address any other direct marketing concerns, we've also added this consumer to our Global DNC list.
Aside from the constant spam, they started sending texts to my phone. I would never do business with these dodgy people under any circumstances. As "Constance R." said, zero stars should be an option with these people. If there were a negative-star option, I'd even choose that for these inconsiderate tactics.
Received unwanted and unsolicited texts.
Received unwanted and unsolicted texts via SMS. Have saved the texts. Have no business relationship nor have I ever.
Statement stating that I will never be contacted by this business by any communications. Removed forever from their internal lists.
Thank you for the notification regarding your information. LowerMyBills ("LMB") operates an online lead generation service whereby consumers interested in comparing mortgage or financial services products, rates and services can fill out a form online to be matched with up to 5 different mortgage brokers and/or lenders. The lenders/brokers then directly contact the consumers with whom they have been matched to discuss mortgage-related services. This is a free internet service to consumers and LMB does not receive any compensation for its services from consumers.
Submission of a request for information results in a consumer match, and subsequently, contact. We do not source that data from other points, so we can only presume that the consumer, or someone authorized by the consumer, entered the information and the request to be matched. As part of the submission process, the consumer is presented disclosures, and requests for express written consent for contact by the matched providers. This includes by text, email, or autodial.
We're sorry for any inconvenience. For legal and regulatory audit purposes, we require maintaining a record for proof of submission and other record keeping requirements. However, we will move your information to our non-production database. Based on your notice, we will proceed with the process to put you in our do-not-call list. However, you may still receive email communications from us up to ten business days from today. Please note that LowerMyBills.com can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.
(The consumer indicated he/she ACCEPTED the response from the business.)
Unsolicited SMS text message to my cell phone.
I have received an SMS Text Message from lowermybills.com. I have no business relationship now or ever. This company has willfully violated FCC regulations.
Under the TCPA and Federal Communications Commission (FCC) regulations, it is illegal for a company to send text messages using autodialers unless the consumer gave consent to receive the message or the message was sent for emergency reasons. As of October 2013, the FCC issued new regulations that require businesses to obtain written, signed consent before they can send text messages to consumers. This applies even if the consumer has not placed their cell phone on the Do-Not-Call list.
An explanation of how this company contacted me on my cell without any business dealing or relationship.
Thank you for the notification regarding your information. LowerMyBills ("LMB") operates an online lead generation service whereby consumers interested in comparing mortgage or financial services products, rates and services can fill out a form online to be matched with up to 5 different mortgage brokers and/or lenders. The lenders/brokers then directly contact the consumers with whom they have been matched to discuss mortgage-related services. This is a free internet service to consumers and LMB does not receive any compensation for its services from consumers.
Submission of a request for information results in a consumer match, and subsequently, contact. We do not source that data from other points, so we can only presume that the consumer, or someone authorized by the consumer, entered the information and the request to be matched. As part of the submission process, the consumer is presented disclosures, and requests for express written consent for contact by the matched providers. This includes by text, email, or autodial.
We're sorry for any inconvenience. Based on your notice, we will proceed with the process to put you in our do-not-call list. However, you may still receive email communications from us up to ten business days from today. Please note that LowerMyBills.com can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.
(The consumer indicated he/she ACCEPTED the response from the business.)
On their website they guaranteed my privacy, instead they immediately shared my information and people are now calling me without unsolicited.
I went on the LowerMyBills.com site because I received an email from them. They said I could find out about HARP online without sharing my information. I filled out the information and then they asked about my property address while guaranteeing me that they respected my privacy and wouldn't share it that I was safe to share it. At the very end, they asked for my phone number. I should not have given it to them but again I was guaranteed that they would not share my information.
As soon as I clicked the button, someone called me from Quicken Loans!! So they did share my information without my permission.
To take my information out of their system and to recind it from whomever they sent it to.... Stop pretending that they respect my privacy by removing it from their marketing materials.
Thank you for the notification regarding your information. LowerMyBills ("LMB") operates an online lead generation service whereby consumers interested in comparing mortgage or financial services products, rates and services can fill out a form online to be matched with up to 5 different mortgage brokers and/or lenders. The lenders/brokers then directly contact the consumers with whom they have been matched to discuss mortgage-related services. This is a free internet service to consumers and LMB does not receive any compensation for its services from consumers.
Submission of a request for information results in a consumer match, and subsequently, contact. We do not source that data from other points, so we can only presume that the consumer, or someone authorized by the consumer, entered the information and the request to be matched. As part of the submission process, the consumer is presented disclosures, and requests for express written consent for contact by the matched providers. This includes by text, email, or autodial.
We're sorry for any inconvenience. For legal and regulatory audit purposes, we require maintaining a record for proof of submission and other record keeping requirements. However, we will move your information to our non-production database. Based on your notice, we will proceed with the process to put you in our do-not-call list. However, you may still receive email communications from us up to ten business days from today. Please note that LowerMyBills.com can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.
my fault didn't read the super fine print before clicking the button. thought I could get an free refi estimate. wrong all I received was blood thirsty refi brokers calling,texting and emailing at all hours. do not give any info.
Continue to receive "spam" - can't unsubscribe using company's unsubscribe link .
Spam spam more spam - can't unsubscribe using company link - apparently this company is a "fishing site" for many online , in solicited advertisements - very annoying. !
Stop sending unsolicited emails and provide valid unsubscribe link
Thank you for the notification regarding your information. LowerMyBills ("LMB") operates an online lead generation service whereby consumers interested in comparing mortgage or financial services products, rates and services can fill out a form online to be
matched with up to 5 different mortgage brokers and/or lenders. The lenders/brokers then directly contact the consumers with whom they have been matched to discuss mortgage-related services. This is a free internet service to consumers and LMB does not receive any compensation for its services from consumers.
Submission of a request for information results in a consumer match, and subsequently, contact. We do not source that data from other points, so we can only presume that the consumer, or someone authorized by the consumer, entered the information and the request to be matched.
We're sorry for any inconvenience. Based on your notice, we will proceed with the process to put you in our do-not-call list. However, you may still receive email communications from us up to ten business days from today. Please note that *** can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.
Based on the number of messages referenced, we are concerned that there may be third parties, representing themselves as LowerMyBills, in an unauthorized fashion. Should you provide us with examples, we will investigate the true source of those messages.
I am receiving spam emails even after unsubscribing from the list.
Fraudulent sales emails
Stop emailing me
Thank you for the notification regarding your information. LowerMyBills ("LMB") operates an online lead generation service whereby consumers interested in comparing mortgage or financial services products, rates and services can fill out a form online to be matched with up to 5 different mortgage brokers and/or lenders. The lenders/brokers then directly contact the consumers with whom they have been matched to discuss mortgage-related services.
This is a free internet service to consumers and LMB does not receive any compensation for its services from consumers.
Submission of a request for information results in a consumer match, and subsequently, contact. We do not source that data from other points, so we can only presume that the consumer, or someone authorized by the consumer, entered the information and the request to be matched.
We're sorry for any inconvenience.
Based on your notice, we will proceed with the process to put you in our do-not-call list. However, you may still receive email communications from us up to ten business days from today. Please note that *** can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.
Continues to send me spam email even after unsubscribing.
This business is inundating myself, and millions of others, with unwanted spam emails designed to get by email spam filters. I unsubscribed thru their link in an email, but the spam kept coming.
I want them to cease and desist sending me spam.
Thank you for the notification regarding your information. LowerMyBills ("LMB") operates an online lead generation service whereby consumers interested in comparing mortgage or financial services products, rates and services can fill out a form online to be matched with up to 5 different mortgage brokers and/or lenders. The lenders/brokers then directly contact the consumers with whom they have been matched to discuss mortgage-related services. This is a free internet service to consumers and LMB does not receive any compensation for its services from consumers.
Submission of a request for information results in a consumer match, and subsequently, contact. We do not source that data from other points, so we can only presume that the consumer, or someone authorized by the consumer, entered the information and the request to be matched.
We're sorry for any inconvenience. Based on your notice, we will proceed with the process to put you in our do-not-call list. However, you may still receive email communications from us up to ten business days from today. Please note that LowerMyBills.com can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.
(The consumer indicated he/she ACCEPTED the response from the business.)
Somehow put my information on their site and am receiving unsolicited phone calls.
I started receiving calls on Mon. 4/30/2018 from Quicken Loans and other mortgage companies stating I applied to Lower My Bills.com at sometime that day. I did not do this as I was at work all day. They have my cell phone and my house address along with my email address. Fortunately they don't have SS# or my mortgage rate correct. I've tried to contact the company their phone just rings and you can leave a message (no reply) and I sent an email to their customer service address. No response.
Remove my name and information from any of their databases immediately.
Thank you for the notification regarding your information. LowerMyBills ("LMB") operates an online lead generation service whereby consumers interested in comparing mortgage or financial services products, rates and services can fill out a form online to be matched with up to 5 different mortgage brokers and/or lenders. The lenders/brokers then directly contact the consumers with whom they have been matched to discuss mortgage-related services. This is a free internet service to consumers and LMB does not receive any compensation for its services from consumers.
Submission of a request for information results in a consumer match, and subsequently, contact. We do not source that data from other points, so we can only presume that the consumer, or someone authorized by the consumer, entered the information and the request to be matched.
We're sorry for any inconvenience. For legal and regulatory audit purposes, we require maintaining a record for proof of submission and other record keeping requirements. However, we will move your information to our non-production database. Based on your notice, we will proceed with the process to put you in our do-not-call list. However, you may still receive email communications from us up to ten business days from today. Please note that LowerMyBills.com can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.
The very IDEA of stating trump is behind the "harp" program? #1 is a lie,and for the over 26% that did NOT vote for that m
n it is a reason to have nothing to do with the company. A liar in the oval office on your resume?A very bad choice. A zero star should be an option. No I will NOT use their "find a lender" system. Can handle that all on my own. Did so with Loan Depot-Respectful and very helpful. Also got me a loan at 3% less than I was paying Despite what Chase(prior lender) had to say.
Do not submit any info to this website, They lie beyond belief
! this company sold my info and Ive had nonstop calls. They tell you they don't sell your info, but thats exactly what they plan on doing. They need to be investigated and fined or criminal charges should be filed for fraud. the FTC needs to shut them down. This is a complete scam company.
Lower my bills refuses to stop flooding my email with spam
I have tried countless times to unsubscribe from lowermybills.com marketing spam. I have forwarded well over 100 emails to the FTC and always cc their email address. I get a bounce back from their email as undeliverable. They do not provide any phone numbers to call. They are 100% in willful violation of US can spam laws. They ignore unsubscribe requests. They keep spamming my email account no matter what I do to get them to stop.
I demand lowermybills.com and all their business interests, partners, affiliate, and customers cease and desist from ever sending my email of any kind and for any subject. I want them to permanently stop emailing me.
Thank you for the notification regarding your information. LowerMyBills ("LMB") operates an online lead generation service whereby consumers interested in comparing mortgage or financial services products, rates and services can fill out a form online to be matched with up to 5 different mortgage brokers and/or lenders. The lenders/brokers then directly contact the consumers with whom they have been matched to discuss mortgage-related services. This is a free internet service to consumers and LMB does not receive any compensation for its services from consumers.
Submission of a request for information results in a consumer match, and subsequently, contact. We do not source that data from other points, so we can only presume that the consumer, or someone authorized by the consumer, entered the information and the request to be matched.
We're sorry for any inconvenience. Based on your notice, we will proceed with the process to put you in our do-not-call list. However, you may still receive email communications from us up to ten business days from today. Please note that LowerMyBills.com can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications. Based on the number of messages referenced, we are concerned that there may be third parties, representing themselves as LowerMyBills, in an unauthorized fashion. Should you provide us with examples, we will investigate the true source of those messages.