...or How I Spent My Spring Semester Fighting with a Mortgage Company.
It's been over a month since the Big Bank Blunder and as some of you have likely noticed by now, there haven't really been very many updates to the blog.
That's because there really hasn't been that many updates to the house. Ohhh, things have definitely been done over time and there will be posts made about both the bathroom and the kitchen, highlighting their progress from start to finish. But once again, we've ground to a complete halt because of the financing. This time, it seems that the woman from the underwriting department who was assigned to handle my loan left her job the day after we finally received the check that had been awaited oh-so-eagerly. From February 24th onward, my loan was supposed to be handled by one Ms. Reinbold, her supervisor. Her supervisor, who never returned a single one of the two emails, two voicemails, or other four entirely unanswered phone calls made to her. She processed no paperwork, issued no checks, and wouldn't even provide me with the name of another one of her employees willing to assist me. Phone calls and emails were sent to the agent who closed my loan. Miraculously, his email is no longer in use and permanent error messages were received. To make my realtor, who recommended the company, aware of the situation, I copied her on my last message to him. She's no longer replying. (Not that I blame her. After all, what can she do besides be sure none of her clients ever use Vision Mortgage again?)
So, five months after closing on my house and three months after construction was supposed to be finished, I did the only thing that I could think of. I started desperately contacting their branch manager and their VP, leaving them voicemails and emails alike after finding their contact information on the company's website. Miraculously, 24-hours after contacting the company's leadership, I received an email back from the woman who had been ignoring me, apologizing for "missing" my phone calls. Apparently, she'd "been in meetings all day". Really, Ms. Reinbold? Really? You were in meetings for two weeks straight? I find that hard to believe, considering the fact that I work at the corporate office of a Fortune 500 company, supporting several members of management, and I've never once seen any of them be out of the office and unreachable for more than four days. Even then, they were checking their emails. I somehow doubt that you, a manger of the underwriting department at a single branch of a three-branch mortgage brokerage, have more demands on your time.
That leaves me no choice but to ask, what's your excuse? In fact, what's your entire company's excuse? Thus far, I've had my closing date changed multiple times because Vision Mortgage was unable to meet its promised deadlines - in fact, the promised 45-days it would take to close my loan? Try closer to 90-days. Items I paid for out of pocket, like part of my consultant's fees, were mistakenly included in my closing costs and not reimbursed to me until nearly four months after signing the paperwork. I've had construction on my house stopped entirely for a period of no less than three weeks on two separate occasions because my contractor wasn't being paid. The remainder of my consultant's fees were mistakenly sent to the wrong company, who somehow managed to cash the check anyway for funds from my bank loan. And now I've been utterly ignored by your employees without excuse or apology for two weeks. All of this, with no regard for the fact that with April 1st swiftly approaching and me forced to spend yet another month in my apartment, I'm out $2900 in rent I shouldn't have had to pay. Meanwhile, my name has been sold to every company imaginable and my mailbox - the one which, yes, the mailman finally managed to find - is crammed with offers of insurance, financial services, "deed protection", and what has even on a cursory investigation appeared to be complete and utter scams. And I'm sure you've made a pretty penny by selling my name and that of every other home buyer that's had the misfortune of being directed through your doors.
Please stop sending me customer satisfaction surveys. What else is there for me to say to you? I'll be making you fully aware of my complaints when I contact the appropriate authorities at the banking commission and ask them to initiate an investigation into your business practices.
It's been over a month since the Big Bank Blunder and as some of you have likely noticed by now, there haven't really been very many updates to the blog.
That's because there really hasn't been that many updates to the house. Ohhh, things have definitely been done over time and there will be posts made about both the bathroom and the kitchen, highlighting their progress from start to finish. But once again, we've ground to a complete halt because of the financing. This time, it seems that the woman from the underwriting department who was assigned to handle my loan left her job the day after we finally received the check that had been awaited oh-so-eagerly. From February 24th onward, my loan was supposed to be handled by one Ms. Reinbold, her supervisor. Her supervisor, who never returned a single one of the two emails, two voicemails, or other four entirely unanswered phone calls made to her. She processed no paperwork, issued no checks, and wouldn't even provide me with the name of another one of her employees willing to assist me. Phone calls and emails were sent to the agent who closed my loan. Miraculously, his email is no longer in use and permanent error messages were received. To make my realtor, who recommended the company, aware of the situation, I copied her on my last message to him. She's no longer replying. (Not that I blame her. After all, what can she do besides be sure none of her clients ever use Vision Mortgage again?)
So, five months after closing on my house and three months after construction was supposed to be finished, I did the only thing that I could think of. I started desperately contacting their branch manager and their VP, leaving them voicemails and emails alike after finding their contact information on the company's website. Miraculously, 24-hours after contacting the company's leadership, I received an email back from the woman who had been ignoring me, apologizing for "missing" my phone calls. Apparently, she'd "been in meetings all day". Really, Ms. Reinbold? Really? You were in meetings for two weeks straight? I find that hard to believe, considering the fact that I work at the corporate office of a Fortune 500 company, supporting several members of management, and I've never once seen any of them be out of the office and unreachable for more than four days. Even then, they were checking their emails. I somehow doubt that you, a manger of the underwriting department at a single branch of a three-branch mortgage brokerage, have more demands on your time.
That leaves me no choice but to ask, what's your excuse? In fact, what's your entire company's excuse? Thus far, I've had my closing date changed multiple times because Vision Mortgage was unable to meet its promised deadlines - in fact, the promised 45-days it would take to close my loan? Try closer to 90-days. Items I paid for out of pocket, like part of my consultant's fees, were mistakenly included in my closing costs and not reimbursed to me until nearly four months after signing the paperwork. I've had construction on my house stopped entirely for a period of no less than three weeks on two separate occasions because my contractor wasn't being paid. The remainder of my consultant's fees were mistakenly sent to the wrong company, who somehow managed to cash the check anyway for funds from my bank loan. And now I've been utterly ignored by your employees without excuse or apology for two weeks. All of this, with no regard for the fact that with April 1st swiftly approaching and me forced to spend yet another month in my apartment, I'm out $2900 in rent I shouldn't have had to pay. Meanwhile, my name has been sold to every company imaginable and my mailbox - the one which, yes, the mailman finally managed to find - is crammed with offers of insurance, financial services, "deed protection", and what has even on a cursory investigation appeared to be complete and utter scams. And I'm sure you've made a pretty penny by selling my name and that of every other home buyer that's had the misfortune of being directed through your doors.
Please stop sending me customer satisfaction surveys. What else is there for me to say to you? I'll be making you fully aware of my complaints when I contact the appropriate authorities at the banking commission and ask them to initiate an investigation into your business practices.
