rateGenius

Complaint: ***
I am rejecting this response because:The amount you offered on a visa gift card(?) wasn't even the actual difference because of the ratesYou SAY it was a clerical errorYet you were confident and self assured enough to send me an offer in contract, which I tenderedYou need to adhere to the contract YOU offered IN WRITINGAnything else is Bait & Switch and Breach of Contract
Regards,
*** ***

March 19, 2015*** *** *** *** *** ***
*** *** ** ***Dear *** ***,This letter is being written with regards to the Revdex.com Complaint that was presented to our company on 2/2/(Case #***).Thank you for bringing this matter to the attention of RateGeniusWe have investigated the
matter carefully and wish to apologize for any confusion that may have arisen as a result of your applicationWe pulled the call with out Customer Service dept and believethis to be a result of confusion between the terms "Pre-Qualified" and "Pre-Approved".As per the CFPB, "Pre-qualification" is a lender’s estimate of how much you could be eligible to borrow based on information you supplyPre-qualification does not mean you will get the loan as it is based on a very limited amount of information about the customer."Pre-approval" usually means that the lender is ready to make you a loan based on the information and documentation you provided at the time you requested a pre-approvalThe email sent by RateGenius only stated that you were Pre-Qualified for a possible lower interest rate on your car loanFrom there, we invite ourcustomers to apply online to see if they further qualify for a lower interest rate. Before a customer can submit an application the last page of the app states "I authorize rateGenius and/or its lenders to retrieve my credit report for the purpose of evaluating the credit worthiness of this loan request, and to service my loan if made, as outlined in rateGenius' Terms and Conditions." In order for the customer to finish submitting the refinance application, the customer must check the box to acknowledge they've read this statementBy checking his box, we pulled the customer's credit report and followed the Fair Credit Reporting ActOnce the application was taken and more information was gathered, however, it was determined by our lenders that due to issues with income, it would not allow the loan to be approved. Again, we apologize for any confusion or inconvenience this may have causedThank you for your patience and consideration in this matter.Regards,*** *** ***

Complaint: ***
I am rejecting this response because:I was misled on two separate occasions froma rate genius representative I know the difference between pre qualified and preapproved and however did not need anyone to explain that to me My concern is the fact on two separate occasions someone from rate genius gave me informationOne being the fact that if nothing had changed since the time I received the letter in which nothing had changed that I would be approvedI stated I did not want my credit pulled it there was a slim chance of refinancing for a lower interest rateSecond, being adding my husband and the extra income the representative then stated that it shouldn't be a problem at all with the added incomeI just want people to be aware that when talking to a customer representative from rate genius do you not take what they say to heart because they are not in a place to confirm whether or not a loan will be approvedThey should have stated they did not know whether adding my husband for the extra income would or would not make me qualified to lower my interest rateJust want consumers to be aware and hope this doesn't happened to other people that receive the letter to refinance for a lower interest rate and be misled by rate genius representativesNot to mention my credit was pulled again two days later when suggested by rate genius that added income would help.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

July 21, 2017Mr***,I am responding to your complaint #*** submitted to the Revdex.com. In January 2017, RateGenius Loan Services, Inc(“RateGenius”) assisted you with a transaction relating to your vehicle. As part of the application, you provided information and
signed documentation stating the mileage on the vehicle. In May, during the process of securing the new title, the Illinois Department of Motor Vehicles (“ILDMV”) returned the original title as “not actual”, due to the fact that the original mileage on the title was higher than the signed odometer statement provided in your application. As a result, RateGenius contacted you to obtain the actual mileage and submitted a corrected application to the ILDMV. When the title was processed by the ILDMV, the actual mileage was corrected, but in error, the “not actual” status was not corrected on the title. On July 5th, RateGenius returned the title to the ILDMV to have the correction made. RateGenius spoke with the ILDMV on Wednesday, July 19th and was informed that the title is being processedThe processing time is 4-weeks. RateGenius is diligently attempting to get this issue resolved on your behalf.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,*** ***

Hi Mr***,Thank you for getting back to us regarding your complaint with the Revdex.com.I am terribly sorry that you received another message after you originally informed *** *** not to contact you againI did not actually see and provide feedback from your complaint until a few hours after the follemail was sent on 2/You should absolutely have received no communication from the 2/until todayIf this is not correct, please let me knowAgain, I apologize that you were contacted again, but the message you were sent was before we were able to view and investigate your complaint. Should you have any additional questions, please do not hesitate to reach out to meThank you for your time. *** ***PR & Content Marketing Manager

Complaint: ***
I am rejecting this response because: on 2/10/I was contacted AGAIN by your companyI not only received a phone call, but an email from *** *** again regarding my approval for the loan applicationThis was AFTER he already advised he would not contact me again when I told him I would be filing the complaintThis is unexcuseable
Regards,
*** ***

Complaint: ***
I am rejecting this response because:Because since I didn't give a Social Security number they should have not been able to through go with the procedure is pulling my creditI did not give approval at the end of the application because I did not complete the application they are saying that they got the information because of my name and address but he clearly is not correct because they should not have been able to pull my credit report without me agreeing to some terms and I didn'tI didn't even finish the application I stopped and since I stopped and they begin to send me emails asking me to completed that meant that the application was not complete and they should not have gone through with the procedure of checking my creditSo this is why I am rejecting what they're saying because they did something they would not give authority by me to doTo me that is a deceptive measure that they use to pull your credit report You say this is not wrong but this should be illegal because they're doing it under pretense is when ever you stop filling out an application that means you have changed your mind do not go through on thisthat you're doing saying I don't want to do it and you don't complete the information that means that you don't want to do itEspecially when they sing you emails asking you to come back and complete the application so they themselves are saying you did not complete the application please come back and completel so they can do what they need to do to check your credit since that being the case they should've stopped the application process at that pointThis means this this is being done to many people and no one is saying anything about it I am years old and I know when you are not wanting something done and you don't complete something that means stop do not go any further and, but this company continues on because they have your name and address? This is not rightNow there is a inquiry on your credit and they say they can't remove it something that never should've been put there in the first place this is wrongThis is my reason for rejecting what they sent to me
Regards,
*** ***

Complaint: ***
I am rejecting this response because: the first quote was very good but for some reason he went for another and then said when I get time contact him in MarchThis seemed to me more of an information collection than an actual loan
Regards,
*** ***

Hi ***,I am writing in response to your Revdex.com Complaint #*** that was submitted in July 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 processAdditionally, we are also not able to force any lender or third parties who have pulled your credit to remove the inquiry, we can only act on behalf of our businessYour application was sent to us by Lending Tree, therefore we are unable to request any inquiries be removed except our own.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 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,*** ***PR & Content Marketing Manager

September 8, Mr***, I am responding to your complaint #*** submitted to the Revdex.com. In March 2017, RateGenius Loan Services, Inc(“RateGenius”) assisted you with a transaction relating to your vehicle. In connection with that transaction, you agreed
to purchase a GAP product. As stated in the documentation you received from RateGenius pertaining to that transaction, purchasing the GAP product was optional and not a requirement to fulfill the transaction. The GAP forms were signed by you and returned to RateGenius, showing the acceptance of the product. As outlined in those documents, the cancellation period to receive a refund on the GAP product has expiredRateGenius appreciates the opportunity to serve you and all consumers If you need any further assistance on this matter, please contact me at ###-###-####Best regards, *** ***

Hi Mr***,Thank you for your response in regards to your Revdex.com complaintI am so sorry to hear that you are still not pleased with our serviceOur Business Development Manager reached out to you in order to explain the process in detail and to provide a chance for you to give insight on your concernsWe are more than happy to discuss any questions with youFeel free to send an email to *** with any additional concerns. All the best,*** ***PR & Content Marketing Manager

Complaint: ***
I am rejecting this response because: I do not authorize the inquiry
Regards,
*** ***

Complaint: ***
I am rejecting this response because: *** *** himself was told by me THREE times to end contact and after he was advised I was filing a complaint, he contacted me via text that same day then attempted and phone call and an emailUnacceptable, period
Regards,
*** ***

May 15, 2015Dear *** ***,This letter is being written with regards to the Revdex.com Complaint that was presented to our company on 5/12/(Case #***).Thank you for bringing this matter to the attention of rateGeniusWe have looked into the situation and carefully reviewed it to make sure we
address your concerns properly and completelyWe have spoken to Allied who is one of our GAP Product providers regarding the matterThe reason the GAP Waiver contract that was signed by youdoes not mention the Allied name on the form is because it is a general Waiver between you, the customer, and the lender (in this case, Logix FCU)We have confirmed that Florida law does not require Allied's name to be on the Waiver.We have pulled all calls between you and RateGenius, and on different calls both on April 22, 2015, the GAP product is discussed with you and is mentioned by name by both you and the Loan Officer as being "Allied" GAP a total of distinct instancesWe're unsure where the mystery of the GAP provider comes from, but we are more than willing to have you listen to these calls should you so desire.As for your refund, we are more than happy and willing to issue a refund for the GAP product, as you are still within your legal Day cancellation period which ends on June 27th, We cannot issue the refund however until we have received a signed, unaltered cancellation form from youOur Product Manager that you have spoken with will be able to assist facilitate that.The refund amount will be issued to your lender, Logix FCU, because the cost of the product was rolled into your new auto loan with themSince you did not pay for the GAP product out of pocket (via Credit Card, Check, etc) we cannot issue the refund directly to youLogix FCU paid for the product by adding the cost of the GAP to your loan principal, ergo we will issue the refund (once we receive the cancellation form from you unaltered) to Logix FCU who will then reduce the loan principal by the amount of your GAP priceThis is beneficial to you because this also lowers the amount of interest you would have originally paid on that portion of principal over the term of your auto loan.We appreciate your patience and understanding in refinancing your auto loan with RateGenius and hope that this clears up and confusion or misunderstanding that may have taken place in communications with our staffThank you again for bringing this to our attention and please do not hesitate to contact us should you have any further questionsBest regards,Compliance Manager

Dear Mr***,I am writing in regard to your Revdex.com complaint #*** submitted in February 2017.In December 2016, RateGenius Loan Services, Incassisted you with a transaction relating to your vehicleIn connection with the transaction, you agreed to purchase a GAP
product. In February 2017, you requested to cancel that GAP policyYour request was received within the allowed cancellation periodOur Products Administrator confirmed that the refund was issued on February 8, 2017.If you need any further assistance on this matter, please contact us at ###-###-####.Best regards,*** ***

Hi Mr***,I am writing in response to your Revdex.com Complaint #*** that was submitted on March 31, I am sorry to hear that you were not happy with our serviceWe are sorry for any inconvenience you may have experienced, but I wanted to respond and provide a bit more
insight into the auto refinance processAs you stated, you applied for an auto refinance on March 30, through Lending Tree's websiteFrom Lending Tree's website, you authorized them, and their affiliates, to access your credit report for reasons of establishing credit worthinessAfter your loan application was submitted through Lending Tree, it was sent to rateGenius in hopes that we would be able to find a lender that fit your needsRateGenius Loan Services is a partner of Lending Tree and 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 with Lending Tree, you gave authorization to pull and review your credit report. I have attached a screenshot of the exact disclosure on Lending Tree's website where you input your social security number.I am so sorry that you have not been able to get in touch with Lending Tree in order for them to help explain this processUnfortunately, 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.Thank you,*** ***PR & Content Marketing Manager

Dear Mr***,This letter is being written in regards to the Revdex.com complaint that was presented to our company on 2/8/(Case #***).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 rateGenius is to help our clients find competitive rates in order to save money on their monthly payments and over the life of their auto loansI sincerely apologize that you felt that we were not a respectable company to handle your refinance based on your research of our company and that you had a less than perfect experience with one of our loan officersIn this case, I believe the loan officer was excited that he was able to locate a deal that would fit your needs; however, this is no excuse for continuing to send you text messages regarding the applicationI cannot say at what point he saw that you requested to cease communication, but I can assure you that we will no longer contact you in regards to your loan refinanceAdditionally, please be advised that there was only an inquiry on your credit as you requested and that it will not state that you have an 'unresolved inquiry' or that you were unable to refinance for any reasonI am deeply sorry that you had such a troubling encounter with our company, but hope that this will ease your concerns in regards to your credit file. We thank you again for bringing this to our attention and we hope that we have addressed your concerns adequatelyPlease do not hesitate to reach out to rateGenius should you have any other questions or concerns regarding our policies.Thank you,*** ***PR & Content Marketing Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

April 8, 2015*** *** *** *** *** ** *** ** ***Dear *** ***,This letter is being written with regards to the Revdex.com Complaint that was presented to our company on 4/2/(Case #***).Thank you for bringing this matter to the attention of rateGeniusWe have looked into the
situation and carefully reviewed it to make sure we address your concerns properly and completelyWe appreciate your patience while we attempted to find you a lower rate on your auto loanOne of the stipulations required by the lender was that there be an insurance policy in your name that lists you as insured, which is a standard requirement for most auto loans.The lender we had matched you with ultimately declined the application due to issues that have been disclosed to you over the phone as well as in writing (we are unable to go into details about the reasons for being declined in this public letter due to the private nature of your application)Unfortunately, we did not know the lender would decline the application at the time that you opened the new insurance policyIt is my understandingthat one of our supervisors has reached out to you to pinpoint the exact amount that was spent on the new policy and will be issuing you a refund for that amount as a courtesy to you.Again, we apologize for any inconvenience this may have caused you and hope that in the future we may be able to better earn your businessThank you for your patience and consideration in this matter.Regards,*** *** ***