Consumer complaint received 2017-02-13
Company: First Direct Lending, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
In XXXX XXXX, received a mortgage refinance letter stating I was pre-approved. XXXX XXXX took my info, since, tax info from past two years. Process went to underwriter, XXXX XXXX said house was under value. The very next day I received another pre-approved letter. I advised him of his false advertising. On XXXX XXXX I received another pre-approval and this time told them again, and advised I will utilize my rights as a consumer. email is from director of communication who proceeded to insult me by correcting my email, not realizing my XXXX. 










Search the Web Pull Down to Refresh Inbox Flagged Threats regarding First Direct Lending From XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX ; To XXXX XXXX ; XXXXXXXXXXXX XXXX ; Cc XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX ;, Office of the President XXXX ; XXXXXXXXXXXX XXXX ; Mon, XXXX XXXX, XXXX XXXXHide Details XXXX XXXX, I am writing from the Office of the President. I will address your concerns in the order of your email below. Please see within the text of your email. 

Sent : Saturday, XXXX XXXX, XXXX XXXX To : XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX ; Subject : Re : XXXX XXXX, I am writing to inform you and your company First Direct Lending that I am filing complaints with consumer fraud, Better Business Bureau and the Federal Bureau of Investigation, on grounds of harassment. While that is certainly your prerogative, can you be specific as to what grounds? Are you speaking of the direct mailer you received ( copies attached? ) If so, those have been approved nationally. All proper disclosures are provided. 

On XXXX XXXX XXXX, I recieved ( received ) yet another fraudulent document The direct mailers that First Direct Lending sends out are not fraudulent. 

( which prays ( preys ) on the weak ) and states we are pre-approved again. This is an invalid claim. 

This time your date stamp XXXX XXXX XXXX, we 'll ( well ) past the date you advised you could not approve the loan, nor could our house be more than what we paid for it in XXXX. Direct mailers are sent out to various people at various times. 

Any further emails from you or your company will be forwarded to above agencies. Perfect. Have the agency 's respective representatives contact me directly. We will no longer communicate with you and will permanently remove you from the contact list. First Direct Lending employees will not accept emails nor take your calls going forward. 

Thank you for your time, XXXX XXXX Sent from XXXX -- -- -Original Message -- -- - From : XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX ; To : XXXX XXXX ; XXXXXXXXXXXX XXXX ; Sent : Thu, XXXX XXXX, XXXX XXXX Subject : RE : Hi XXXX XXXX I will certainly let them know. Thanks for pointing this out. Again, I 'm very sorry we could n't help you. I hope you have a great day. 

XXXX XXXX XXXX XXXX | Fax : XXXX XXXX XXXX Director of Compliance XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX x XXXX XXXX XXXX : XXXX XXXX # XXXX We value your opinion and strive to provide an exceptional customer experience. Please Click Here to provide feedback to the Office of the President Confidentiality Notice THIS COMMUNICATION AND ANY ACCOMPANYING ATTACHMENT IS INTENDED FOR THE USE OF THE ADDRESSEE ONLY AND MAY CONTAIN INFORMATION THAT IS PRIVILEGED AND CONFIDENTIAL. IF YOU ARE NOT THE INTENDED RECIPIENT, YOU ARE HEREBY NOTIFIED THAT ANY DISSEMINATION OR RELIANCE ON THE CONTENT OF THIS COMMUNICATION IS STRICTLY PROHIBITED. IF YOU HAVE RECEIVED THIS COMMUNICATION IN ERROR, PLEASE NOTIFY THE SENDER IMMEDIATELY BY TELEPHONE AT XXXX. 
Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation