rateGenius

Complaint: [redacted] I am rejecting this response because: The form included information such as name / address After reading the small print I did not go through with the form I exited it This is a problem with the spam form that is part of an ad, not identity theft And yes, once you run my credit UNAUTHORIZED, you CAN contact the credit bureaus and let them know it was a mistake, in which they will correct it I did NOT authorize any type of credit pull, it is illegal to do so without my consent, which is almost as bad as identity theft.It isn't that hard to admit that the advertisement is things A) Very sketchy at best, requesting name and address and not mentioning anything about pulling credit reports unless you read the fine print and B) when the user exits without completing the form, it STILL sends the information You need to contact your 3rd party company that creates these forms and let them know that they need to fix the form to not send if the person does not submit it Unless this is working as intended, which I believe that is the way you designed it Then you can just call out plausible deniability and still run credit reports on unsuspecting people, then badger them constantly with offers they did not want in the first place.Next you will be hearing from my lawyer Regards, [redacted]

Complaint: [redacted] I am rejecting this response because:Your representative did in fact advise me not to pay my auto loan I have tried to be cooperative about this but the fault lies with your company and lack of urgencyLike I originally stated in the complaint it took over a month to get notified if I was approved or notIf your company could have done this in timing like any other company it could have been accomplished in a day or two at mostI am so incredibly shocked at how long the process took you fits and now I am very unhappy that your company refuses to admit any guilt or wrongdoingYour representative spoke with my fiancé regarding all my information like I said before, anything he said to him was NOT copied to me in any form of communication Regards, [redacted]

Dear Mr [redacted] ,This letter is being written in regards to the Revdex.com complaint that was presented to our company on 1/18/(Case # [redacted] ).Thank you for bringing this matter to our attentionWe have looked into the situation and carefully reviewed it to make sure we address your concerns properly.Our goal at the rateGenius Insurance Agency is to help our clients get the best coverage for the best priceDuring the initial call between you and one of our agents that took place on December 7, 2015, you informed us that you were paying $per month ($2,annually) for your homeowner's insuranceWe were able to find a replacement policy for an annual rate of $1,The policy that our agent found would save you $per monthOnce you decided to move forward with this policy, we took the necessary steps to help you do soAfter this was arranged, you determined that your annual rate for his previous policy was actually $annuallyDue to the miscommunication during the initial conversation, making this change would not allow you to save moneyOur Insurance Manager spoke with you on January 18, and explained why we initially believed that this new policy would save you moneyAdditionally, he said that the best thing to do would be to reach out to the company who provided you with the original policy and determine if it was eligible to be reinstated, as policy reinstatement is a common practice in the insurance industryThe conversation was ended after you said that you would call him back after determining the original policy's eligibility for reinstatement, which would allow us to ensure that your concerns are handled properlyWe have not heard back from you about whether or not you could reinstate the initial policy and have not had the opportunity to help you with the next steps in the processOur Insurance Manager will be reaching out to you today to help resolve this matter.We thank you again for bringing this to our attention and we hope that we can address your concerns adequatelyPlease do not hesitate to reach out to rateGenius should you have any other questions or concerns regarding the policies.Thank you, [redacted]

Hi Mr [redacted] ,I am writing in regards to your Revdex.com complaint # [redacted] that you submitted in December I am so sorry to hear that you had a negative experience with our company.After reviewing the notes in your application, it looks like the situation has been resolved and is currently in processJust as a note, since we work at the will of our lenders, we are required to follow their lending policiesIn this case, I apologize that it caused concern and frustration.If this was not your understanding from that conversation, please let me know and I will look into it further for youPlease let me know if there is anything else we can do to assist youThank you for your patience.Best regards, [redacted] PR & Content Marketing Manager

Hi [redacted] ,Thanks so much for your reply in regards to your complaintAs a reminder, you entered all of your vehicle information and personal information and submitted your refinance application through their websiteWe did not personally take your social security information and run an application without permissionAll of the information was collected, your credit was pulled, and then sent to us to find a lenderIf you are still looking around for a loan, please note that all inquires on your credit pertaining to a refinance are lumped together and entered as only one inquiry within days of applicationThis will not negatively affect your creditIf you have any additional questions, feel free to email me directly at [redacted] Thank you.Best regards, [redacted] PR & Content Marketing Manager

Hi Mr***,I am writing in response to your Revdex.com Complaint # [redacted] that was submitted in August I am sorry to hear that you were not happy with our service and we apologize for any inconvenience you may have experienced, but I wanted to respond and provide a bit more insight into the auto refinance processYou applied for an auto refinance through one of our partner channels websites (Lending Tree)From their website, you authorized them, and their affiliates, to access your credit report for reasons of establishing credit worthiness for an auto refinanceOnce the credit is pulled, the application goes through the process of finding a lender that matches your needsI have attached a screenshot of the exact disclosure that you opted into through Lending Tree's website for your referenceAfter your loan application was received, all of your information was sent to rateGenius in hopes that we would be able to find a lender that fit your needsRateGenius Loan Services is one of the financing options offered through their serviceIn order to provide you with an accurate offer, it is necessary for us and our underwriting partners to review your consumer credit reportAgain, through the application process, you gave authorization to pull and review your credit report.Unfortunately, once your application gets to us, your credit has already been pulled and we are not able to remove this inquiry since the terms were accepted and this does not involve identity theftPlease do not hesitate to reach out to us should you have any additional questions, I am more than happy to help.Thank you, [redacted] PR & Content Marketing Manager

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 The complaint has been resolved to my satisfaction.Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: the employee purposely made it seem that if I don't contact him he will hurt my credit Leave me an email address I can forward the email to Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because:My daughter and I combined our incomes,which should be more then sufficient.And income seemed to be the main factor(,for being declined) as I read in your reply.My daughter also called and gave all the requested information.Again we where told the loan was approved.(not per-qualified.)This is advertisement and also damaged my credit score with a hard inquiry .My only consolation is that Revdex.com has this on file.So maybe other people can read my complaint.not make the same mistake I made Regards, [redacted] ***

Dear Mr [redacted] ,This letter is being written in regards to the Revdex.com Complaint that was presented to our company on 1/11/(Case # [redacted] ).We have reviewed the recordings of the phone conversation between you and our customer service representativeBased on the phone conversation, we understand that someone has committed a crime and submitted an application to refinance a vehicle using your personal information through our partner Lending TreeBecause you are claiming that a crime has occurred, we need you to submit a police report stating that someone submitted an application with your personal information without your consentOnce we receive the police report from you, we can send it to the credit bureau and have the inquiry removed from your credit report.We thank you again for bringing this to our attentionPlease do not hesitate to reach out to rateGenius should you have any other questions or concerns regarding this issue.Best Regards, [redacted] ***PR & Content Marketing Manager

Hi Mr [redacted] ,I am writing in regards to your Revdex.com complaint #that you submitted in December I have been made aware by your Product Manager, [redacted] , that she was able to speak with you on Thursday confirming that your cancellation form was received Additionally, she stated that your paid-in-full letter had been received and that it does take 4-weeks (from December 7) for the cancellation to be complete.If this was not your understanding from that conversation, please let me know and I will look into it further for youPlease let me know if there is anything further we can do to assist youThank you.Best regards, [redacted] PR & Content Marketing Manager

Complaint: [redacted] I am rejecting this response because: In the phone calls I had with differents representatives , I specifically ask to send my info ONLY to [redacted] both agents told me not to worry because the only works with Credit Unions, not banks and because I requested they wont send it to nobody elseThe second agent Mr [redacted] ask me if I would like to allo him to find others lenders I told him NO, calls should've been recorded check it, Never authorized to send it to other lenders,THIS IS A SCAM!!! Of course this is NOT SOLVED! Regards, [redacted]

January 8, Mr [redacted] , I am responding to your complaint # [redacted] submitted to the Revdex.com RateGenius Loan Services, Inc(“RateGenius”) works with a network of over lenders nation-wide to help consumers find the most competitive interest rate to refinance their vehicles RateGenius partners with certain lenders to send out mailers to potential new customers The "pre-screened" offer of credit is based on an initial assessment of limited information from a consumer’s credit report indicating that he/she meets certain criteriaThe offer is not guaranteed, as indicated in the offer’s disclosures Once an application is completed and a full assessment is made, it is possible that a consumer does not meet the lender’s full criteria If you do not want to receive pre-screened offers of credit from this and other companies, call the consumer reporting agencies tollfree at [redacted] (###-###-####); or write: E [redacted] ***We apologize for any confusion A notice indicating reasons for the decision on your application was mailed out to your address on file RateGenius appreciates the opportunity to serve you and all consumers If you need any further assistance on this matter, please contact me at ###-###-####Best regards, [redacted] ***

May 24, 2017Hi ***,I am responding to your complaint # [redacted] submitted to the RevDex.com. In February 2016, RateGenius Loan Services, Inc. assisted you with a transaction relating to your vehicle. In connection with the transaction, you agreed to purchase a GAP... product. As stated in the documentation you received from that transaction, purchasing GAP was optional and not a requirement to fulfill the transaction.If you need any further assistance on this matter, please contact me at ###-###-####.Best regards, [redacted] ***

Hi Mr [redacted] ,I am writing in response to your Revdex.com Complaint # [redacted] that was submitted in May I am sorry to hear that you were not happy with our service and we apologize for any inconvenience you may have experiencedI wanted to respond and provide a bit more insight into the auto refinance processAccording to our records, you applied for an auto refinance through one of our partner channels websitesFrom their website, you authorized them, and their affiliates, to access your credit report for reasons of establishing credit worthinessAfter your loan application was submitted, all of your information was sent to rateGenius in hopes that we would be able to find a lender that fit your needsRateGenius Loan Services is one of the financing options offered through their serviceIn order to provide you with an accurate offer, it is necessary for us and our underwriting partners to review your consumer credit reportAgain, through the application process, you gave authorization to pull and review your credit reportUnfortunately, once your application gets to us, your credit has already been pulled and we are not able to remove this inquiry since it does not involve identity theftPlease do not hesitate to reach out to us should you have any additional questions, I am more than happy to help.Best regards, [redacted] PR & Content Marketing Manager

Complaint: [redacted] I am rejecting this response because:The same reason that was said in first letter, they said I was pre approved and the address was deceiving so was the way they went about getting all my information Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: I was also on the phone call and know exactly what was saidI am happy that you are going to make sure your representatives are trained appropriately for future calls so other consumers are not misled Regards, [redacted] ***

Hi Mr [redacted] ,I am writing in response to your Revdex.com Complaint # [redacted] that was submitted in December I apologize for the delay and for the miscommunication in dealing with your payoffI was notified by our Lender Team that your balance was successfully paid off and therefore you should not owe anything to [redacted] ***Please let me know if you have any additional questions and I would be happy to help.Thank you, [redacted] PR & Content Marketing Manager

Dear Mr [redacted] , This letter is being written in regards to the Revdex.com Complaint that was presented to our company on 12/24/(Case # [redacted] ).We thank you for taking the time to respond to us regarding this complaintWe have reviewed the email communication between you and your loan officerOn December 21, your loan officer wrote to you to say that the lender he found to place you with would not accept electronic signaturesThis would not work for your situation because you are currently out of the country until MarchThat lender would not accept copies of documents, so your loan officer had to look for other offers for youUnfortunately, these offers were at a higher rateYou stated that you would only accept an offer that was at a lower rate than the initial offerBecause of this, your loan officer wanted you to contact us again in March when you would be back in the country and could return all of the documents to complete the refinance process.We apologize for any confusion or inconvenience this may have caused and that we were unable to assist you at this timeWe hope that in the future we might be able to earn your business againThank you for your patience and consideration in this matter.Thank you, [redacted] ***PR & Content Marketing Manager

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]