rateGenius

May 15, 2015Dear [redacted],This letter is being written with regards to the Revdex.com Complaint that was presented to our company on 5/10/2015 (Case #[redacted]).Thank you for bringing this matter to the attention of rateGenius. We have looked into the situation and carefully reviewed it to make sure we...

address your concerns properly and completely. We appreciate your patience while we attempted to find you a lower rate on your auto loan. Unfortunately after the initial reviewof your loan application, it was ultimately declined due to reasons stemming from your ChexSystems report. We made surethat the Loan Officer that you worked with contacted you regarding the issue and resolved any questions or concerns youmay have had about it. We sincerely apologize for any breakdown in attempts to contact you regarding this matter previously.The Loan Officer is currently in communication with your previous insurance company to change the policy back to the originallien holder. Management will oversee this to make sure it is carried out to completion.We thank you again for bringing this to our attention and we hope that the matter has been resolved adequately. Please do not hesitate to reach out to rateGenius should you have any other questions or concerns regarding your application.Best Regards,Compliance Manager

Hi Mr. [redacted],Thank you for your Revdex.com response. I am sorry that we were not able to offer a resolution that pleased you in this case. I did have our Business Development Manager contact you and he was able to confirm with our partner that you did accept the credit inquiry terms in the application flow. Again, I apologize for your frustration, but assure you that we ensure that each credit inquiry is accepted by the consumer before it is conducted. If you have any additional questions, please contact me directly at [redacted].Thank you for your time.[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]

Dear **. [redacted],This letter is being written with regards to the Revdex.com Complaint that was presented to our company on 7/31/2015 (Case #[redacted]).Thank you for bringing this matter to our attention. We have looked into your loan file and carefully reviewed it to see what caused the delay in funding. The...

refinance process took longer than expected for a couple of different reasons.              The main applicant was not on the Title of the vehicle that was being refinanced. It was stressed to the customer that having 100% confirmation of who is listed on the Vehicle Title was very important for the documents to be set up correctly. We were not made aware of this until we had drafted loan documents for the customer. Once we learned that the customer was not on the Title, we needed to have him added him to it. We contacted the customer on July 6th about this issue. Updated documents were sent back to the customer on July 9th. A full set of documents was not necessary, so only a few Title pages were sent.When we received the documents back from the customer on July 13th, they were missing several signatures. We noted which signatures were missing and returned the documents for completion the same day. We received the completed documents with updated proof of income on July 15th and sent them to the lender.Upon receiving the documents, the loan was put in funding exception by the lender pending the unpaid $250 Title deposit and Title fee. We informed the customer of the increased Title fees and $250 Title deposit. The State Title fee needed to process a Title change increased by $100. This additional $100 would have caused the interest to be increased by 0.25%. We explained this to the customer and offered a couple options—either we add the additional Title fee to the financing and increase the rate by 0.25% or the customer can pay this additional $100 out of pocket and keep the same rate. He agreed to pay this amount out of pocket. As a courtesy to the customer, the cost of the GAP premium was discounted from $559 down to $300.We then informed the customer that he would have to re-sign some documents to account for the $100 down payment and reduced GAP cost, as these amounts need to be reflected on the contract page. At this time, we gave him the option of re-contracting on the current date (July 24th), which would push back their 1st payment date another 45 days. The customer agreed to this. We explained that if he didn't make his current payment, that was his decision to use his grace period and not our recommendation. Ultimately, he decided not to make the payment on time. By refinancing with rateGenius, the customer's interest rate was reduced by approximately 3.65% and his monthly payment went down roughly $30/month, saving him approximately $3,000 over the life of his 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. Thank you again for bringing this to our attention and please do not hesitate to contact us should you have any further questions.

Complaint: [redacted]
I am rejecting this response because:"We did not personally take your social security information and run an application without permission. All of the information was collected from Lending Tree, your credit was pulled, and then sent to us to find a lender. Unfortunately, as we are in a different state and have different policies, we are not able to remove the credit inquiry from your file." These lines are deceiving from a end customer standpoint. Lending Tree has admitted that they never pull the credit and pass the information to 3 party lenders. Lending tree also admitted that they are not a financial company and do not pull the credit, as they do not offer any kind of loan. They have said they only share the information. I have personally have talked to the customer service manager over the phone at lending tree before I filed this complaint for clarification. No, I am not interested my auto loan, as these complaints have caused a lot of mental trauma to me. 
Regards,
[redacted]

Dear Mr. [redacted],This letter is being written in regards to the Revdex.com complaint that was presented to our company in July 2016 (Case #[redacted]).Thank you for bringing this matter to our attention. We 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 loans. I sincerely apologize that you had a less than perfect experience with our company. I can surely understand your concern. The message should have been meant to inform you that your credit had already been pulled and to advise you that it is in your best interest to utilize that credit pull, and find a company that worked for you to refinance your car. We apologize if that message came across as a threat as we understand that some consumers may choose to work with other companies. Your credit pull has already been made (at the time of your application), so no subsequent pulls will be made from rateGenius unless you choose to continue with the refinance process.Again, 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 reason. I am deeply sorry that you had such a troubling encounter with rateGenius, but I 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 adequately. Please do not hesitate to reach out to rateGenius should you have any other questions or concerns regarding our policies.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]

Hi Mr. [redacted],I am writing in regards to your Revdex.com complaint #11900940 that you submitted in December 2016. 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 4-6 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 you. Please let me know if there is anything further we can do to assist you. Thank you.Best regards,[redacted]PR & Content Marketing Manager

October 5, 2017 Mr. [redacted], I am in receipt of your Revdex.com complaint #[redacted] filed on September 28, 2017. On October 7, 2016, 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.  RateGenius offers a GAP Waiver Addendum on behalf of select providers, as stated in the documentation you received.  RateGenius does not offer a GAP Insurance product.  Purchasing the GAP Waiver Addendum 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 Waiver Addendum has expired. 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]

Hi [redacted],I am writing in response to your Revdex.com Complaint #[redacted] that was submitted in June 2016. I am sorry to hear that you were not happy with our service and we apologize for any inconvenience you may have experienced. I have spoken with our titles department and it seems...

that we were not aware of the leased vehicle status when your contract was signed. When we reached out to the Florida DMV, we were notified that the additional fee would be added. Do you by chance have license plates on another vehicle that can be assigned to your leased car? If so, we may be able to remove this fee for you if you send me the plate #. If not, we will have to collecte the Wheels on Road fee that will be sent directly to the Florida DMV.Please either respond here or send me an email directly at [email protected], I am more than happy to help with this situation. Thank you for your time.Best regards,[redacted]PR & Content Marketing Manager

Hi [redacted],I am writing in response to your Revdex.com Complaint #[redacted] that was submitted in July 2016. 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 process. You 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 refinance. Once the credit is pulled, the application goes through the process of finding a lender that matches your needs. We were not able to stop the process as we were not the ones who originated your application. Since you have noted this as fraud and that you yourself did not submit this application and have submitted proof of a police report, we have submitted a request to the credit bureau to have this inquiry removed. Please note that we are not able to force the bureaus to take any action, we are only able to provide them with the information you have given us. 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 business. Your application was sent to us by Lending Tree, therefore we are unable to request any inquiries be removed except our own.Please let me know if you have any additional questions and I would be 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.
Regards,
[redacted]

Hi Mr. [redacted],I am responding to your complaint #[redacted] submitted to the Revdex.com.We are sorry to hear that you were unhappy with our service. As a broker, we are held to the limitations set by our lenders. We are sorry that we were unable to help you with your refinance, but we...

would be happy to try again in the future. I noticed that you spoke with **, our Loan Officer Manager regarding this situation. If you have any additional concerns, please let us know and we will try to help.Thank you,[redacted]PR & Content Marketing Manager

Hi Mr [redacted],I am writing in response to your Revdex.com Complaint #[redacted] that was submitted in December 2016. I apologize for the delay and for the miscommunication in dealing with your payoff. I 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

Hi Mr. [redacted],I am writing in response to your Revdex.com Complaint #[redacted] that was submitted in August 2016. 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 process. You 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 refinance. Once the credit is pulled, the application goes through the process of finding a lender that matches your needs. I have attached a screenshot of the exact disclosure that you opted into through Lending Tree's website for your reference. After 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 needs. RateGenius Loan Services is one of the financing options offered through their service. In order to provide you with an accurate offer, it is necessary for us and our underwriting partners to review your consumer credit report. Again, 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 theft. Please 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

Complaint: [redacted]
I am rejecting this response because:Hello,I put up a similar dispute on Revdex.com Denver Colorado for fleet financial, Fleet Financial(iLendingDirect) has come forward to remove the credit inquiry from the credit reporting agencies. I would like to have a similar kind of resolution.Moreover lendingtree only gave me this disclosure. This page never says that I am never authorizing them or affiliates to pull my credit.https://[redacted] Complaint ID at Revdex.com Denver, CO: [redacted].  
Regards,
[redacted]

Hi [redacted],I am responding to your complaint #[redacted] submitted to the Revdex.com. I wanted to respond and provide a bit more insight into the auto refinance process.You applied for an auto refinance through our partner Lending Tree's website. From their website, you authorized...

them, and their affiliates, to access your credit report for reasons of establishing credit worthiness.After 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 needs. RateGenius Loan Services is one of the financing options offered through their service. In order to provide you with an accurate offer, it is necessary for us and our underwriting partners to review your consumer credit report. Again, 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 theft.Please 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

Complaint: [redacted]
I am rejecting this response because: the fact that you are unwilling to work with me and refund me is absolutely ridiculous. It is because of your agency that we are in the situation. I have been very cooperative with how many mistakes and how dishonest your practice has been with me. From LYING about the rates you originally quoted me to speaking with my fiance about this and not myself. Your agent spoke with my fiance regarding the terms and finalization of the auto loan. I am unsure of what was spoken about and have never worked with a company who speaks with ANYONE other than the person applying for the loan. To me this is dishonest business practice and very unprofessional. This will not be the last you will hear from me. All I was seeking was for a simple refund for the money lost during the time I was being scammed by YOUR company.
Regards,
[redacted]

Hi [redacted],I am writing in response to your Revdex.com Complaint #[redacted] that was submitted on April 5, 2016. I am sorry to hear that you were not happy with our service. We are sorry for any inconvenience you may have experienced, but I wanted to respond and provide a bit more...

insight into the auto refinance process. As you stated, you applied for an auto refinance through one of our partner channels website. From their website, you authorized them, and their affiliates, to access your credit report for reasons of establishing credit worthiness. After 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 needs. RateGenius Loan Services is one of the financing options offered through their service. In order to provide you with an accurate offer, it is necessary for us and our underwriting partners to review your consumer credit report. Again, 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 it does not involve identity theft. Please 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

Hi Mr. [redacted],I am writing in response to your Revdex.com Complaint #[redacted] that was submitted on April 19, 2016. I am sorry to hear that you were not happy with our service. We are sorry for any inconvenience you may have experienced, but I wanted to respond and provide a bit more...

insight into the auto refinance process. You applied for an auto refinance through Lending Tree's website. From Lending Tree's website, you authorized them, and their affiliates, to access your credit report for reasons of establishing credit worthiness. After 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 needs. RateGenius Loan Services is a partner of Lending Tree and one of the financing options offered through their service. In order to provide you with an accurate offer, it is necessary for us and our underwriting partners to review your consumer credit report. Again, through the application process with Lending Tree, you gave authorization to pull and review your credit report. Unfortunately, once your application is sent to us, your credit has already been pulled and we are not able to remove this inquiry since it is not due to identity theft. Please 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