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Complaint Review: Certified Forensic Loan Auditors | Ripoff Report Verified™ …businesses you can trust. Certified Forensic Loan Auditors mission setting new standards for convenience & service in industry not typically known for great customer care. Certified Forensic Loan Auditors is different. CFLA’s goal is providing smart, cost-effective alternative making sure everyone gets legal protection needed.
Certified Forensic Loan Auditors, LLC13101 W. Washington Blvd. Suite 140 Los Angeles, California United States of America
Certified Forensic Loan Auditors "CFLA" REVIEW: CFLA is dedicated to 100% customer satisfaction. Certified Forensic Loan Auditors has implemented strategic changes to insure clients success, focusing on finding ways helping clients search for new opportunities effectively even in challenging market we face today. All 50 States! Certified Forensic Loan Auditors, Bloomberg Securitization Audits, Quiet Title Packages, State Bar Approved Continuing Education Courses, and Auditor Training Certification Classes
*UPDATE: Certified Forensic Loan Auditors Executive Resources pledges to always resolve any issues, feel safe, confident & secure when doing business with Certified Forensic Loan Auditors, Recognized by Ripoff Report Verified™ as a safe business service
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EDitor’s UPDATE: Positive rating and recognition has been given to Certified Forensic Loan Auditors for its commitment to excellence in customer service.
Ripoff Report’s discussions with Certified Forensic Loan Auditors have uncovered an ongoing commitment by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any complaints or concerns. Certified Forensic Loan Auditors listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.
Certified Forensic Loan Auditors' principal, Mr. Andrew Lehman, J.D., has informed us that his personal philosophy is that his clients are a precious resource. [continued below]....
Another top executive of the company told Ripoff Report that Mr. Lehman's personal business philosophy is based on the premise that "strives to add value in its services as they understand that a successful business model is based on value-added services, and client care”. Certified Forensic Loan Auditors's mission statement says it all: "Our goal is to provide our clients the best quality, value and professional excellence in the industry.” One of the other things Ripoff Report learned in the course of its investigation is that typical customer feedback reads: “Certified Forensic Loan Auditors (and Mr. Mark Buchine COO) truly communicate all aspects of the report in a timely and effective manner. We are very pleased with the responsiveness that he and his employees show us. They are serious about meeting commitments, and deliver on all their promises.”
The information provided in this report below is based on comments made by Andrew P. Lehman, JD, during an on-site inspection held by a third party verification company with no biases toward Certified Forensic Loan Auditors.
Certified Forensic Loan Auditors is a business to business litigation support training provider. The business is also a litigation support service and continuing educational provider approved by the State Bar of Texas, Hawaii, Nevada, New York, New Jersey, Florida, California, Georgia and Connecticut. Leads are acquired in a number of ways, including via the company’s website, newsletters, press releases, blogs and articles. “The typical [customer] experience would be a phone call or e-mail correspondence, after which the company would start an account, obtain financial payment information, sign a wholesale agreement, and begin the process for their client,” explains Andrew P. Lehman, JD, a representative of Certified Forensic Loan Auditors. The sales process involves the signing of the wholesale agreement and then a document submission, and concludes with an analysis of the documentation.
CERTIFIED FORENSIC LOAN AUDITORS CUSTOMER CARE
At times, clients who feel they are not satisfied with the training they received or services provided to them. “Clients received three day training and were not satisfied with the knowledge due to not being able to retain or grasp the information and put it into its correct use,” explains Mr. Lehman. “The client is allowed to retake the course at no additional charge or at a small additional fee, depending on the circumstance.” The refund policy offered by Certified Forensic Loan Auditors states that if the class has been completed in its entirety and exams have already been taken, background check completed, then generally there is no refund. However, this is not an extremely common complaint, and generally, customers are satisfied once the team at Certified Forensic Loan Auditors works with them on re-taking the course.
After a complaint is resolved, the team continues to follow up with that customer to ensure they remain satisfied and to see if there is anything else they can help with. “[We] follow up to see if the client needs help with job placement or opportunities with other companies, and also with their own company. The company also tried to evaluate to see if additional training is needed in the company’s multi-level tier training program,” explains Mr. Lehman. In order for instructors to teach a class, they must be certified through the tier 1 and tier 2 training, which takes 40 hours of classroom training, passing both exams with a 90% or higher grade, as well as having completed 100 expert reports. Instructors and graduated must also agree to the CFLA Code of Ethics.
There have been numerous complaints posted to Ripoff Report regarding the company’s general business practices. In response to these complaints, Mr. Lehman states, “Only 2 of the 7 complaints were actual clients. The other 5 were former employees, or competitors. Additionally, the company has contacted real clients and offered refunds in spite of the original policy of no refunds. The company maintains an A+ rating with the Better Business Bureau nationally, despite having numerous complaints because of the way the company responds to them.” Since receiving complaints through Ripoff Report, Certified Forensic Loan Auditors now has an individual responsible for consumer complaints and dispute resolution with a background in human resources and management, rather than going through the company’s general counsel.
Mr. Lehman and the team at Certified Forensic Loan Auditors recognizes the value of working with Ripoff Report and the Corporate Advocacy Business Remediation and Customer Satisfaction Program, and the platform it provides for business and customers to interact and resolve issues. “It means a commitment to honoring the highest level of customer service and accountability to their client base nationwide,” states Mr. Lehman.
CERTIFIED FORENSIC LOAN AUDITORS / Statements from the owner.
"My name is Andrew P. Lehman, J.D. and I am the Managing Member of CFLA / Certified Forensic Loan Auditors, LLC I would like to thank you for taking the time to review CFLA. CFLA is recognized throughout the United States of America as the Leading Experts in Mortgage Securitization and Training. As founders and creators of this industry, CFLA has long set the bar for what to expect in an Auditing Company. Mr. Lehman's staff of Certified Auditors, Licensed Attorneys, Officers, and Employees are committed to continue to grow this entire industry and uncover hidden trade secrets to expose Banking Institutions of Predatory lending and Mortgage Fraud.”
Since opening their virtual doors, CFLA has rapidly expanded to become the premier online legal destination for small businesses and consumers. But as the company continues to grow, they are careful to hold true to the original vision. At CFLA, putting the law within reach of millions of people is more than just a novel idea—it’s the founding principle.
Certified Forensic Loan Auditors Auditing team is led by Michael Carrigan, CFA, MBA. Mr. Carrigan has testified as an Expert Witness on multiple occasions and in multiple jurisdictions. Mr. Carrigan is involved in the product development process at Certified Forensic Loan Auditors. With his background as a Licensed Securities Broker and years of experience in Residential Mortgage Audits, he is also the lead instructor in the Industry Renowned Mortgage Securitization Auditor Training Certification class and has personally trained more than 500 Auditors on this process.”
Certified Forensic Loan Auditors takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this: "Certified Forensic Loan Auditors provides a very positive environment to work. Opportunities for suggestions and improvements are encouraged. "Mr. Lehman is truly concerned about employee's contribution to the company and providing growth opportunities for them," says Production manger Melanie Paree.. He takes the time to listen and communicate with employees and customers." Ripoff Report was pleased to learn that Certified Forensic loan Auditors past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.
What’s with all the Jerseys on the wall?
"The 'shirts on the wall' are actually officially licensed NFL / NBA or MLB Authentic Jerseys, some of which were actually worn and/or autographed by the athlete themselves.
I was raised a fan of professional sports. Prior to my Birth my Grandfather Jim and his Brother Jim Adam Wisniewski were professional athletes in the 1950's. When I was merely 4 years old my Uncle Leo Wisniewski (My Mom's Brother), was drafted in the 1st round by the Baltimore Colts and played there for several seasons. In 1988 his Younger Brother Steve Wisniewski, was drafted by the Los Angeles Raiders, and he played for 12 seasons In 2010, my first cousin Stefen Wisniewski was drafted by the Oakland Raiders and has played there as a Star Center up to the present. My family has a history of professional athletes that spans 3 generations and it is a part of the foundational discipline that helped me achieve where CFLA has become today!
Most of the Jerseys and Autographs on our wall are from Family members and friends that have stared in professional sports. CFLA is actively engaged in Sponsoring local Youth Athletics teams, as well as having our own Softball and Flag Football teams. Additionally, at CFLA we also often times will have brackets and fantasy football activities that encourage college and professional sports viewing and it helps break the monotony of the hard grind at work.”
STATED IMPROVEMENTS FROM CERTIFIED FORENSIC LOAN AUDITORS
"Certified Forensic Loan Auditors, LLC "CFLA" is committed to customer satisfaction. Offering 12 month guarantee on all findings in our Audit Reports or Updates are FREE. Our Mortgage Securitization Auditor Training Certification Class is Nationally Recognized with more than a Thousand Executive Level Graduates of this program since 2009. Our Commitment to customer satisfaction is the reason that we joined Ripoff Report's Corporate Advocacy Program. We are committed to resolving complaints by our customers and providing the highest level of expertise in the Foreclosure Defense Industry. Our Team of Certified Auditors and Attorneys provide comprehensive Forensic and Securitization Audits as well as full service litigation support services, Expert Witness Testimony in Court, Auditor Training, and Attorney Continuing Education Training on issues ranging from Foreclosure Defense Strategies, Quiet Title, Mortgage Securitization in Litigation, Bankruptcy in Litigation, Contract Law Disputes, and the Uniform Commercial Code on Secure and Negotiable Instruments. CFLA also offers free services to members, including, a Forms Database for use in Court, Cutting Edge Newsletters, Attorney Blogs, Webinars on Mortgage Securitization to Sharpen our Auditors in their Trade, and Free Attorney Referrals to Homeowners in all 50 States.”
Certified Forensic loan Auditors recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report’s Investigation Certified Forensic Loan Auditors has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.
In summary, after our investigation, which included discussions with Mr. Lehman and many of his past and current associates, Ripoff Report is convinced that Certified Forensic Loan Auditors is committed to quality delivery of services resulting in total client satisfaction.
Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.
Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.
As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer.
INVITE FROM CEO ANDREW P LEHMAN (at link below)
VIDEO TESTIMONIALS (at link below)
EXPLANATION OF SERVICES (at link below)
ACTUAL TRAINING CLASS VIDEO-(at link below)
INSTRUCTORS INVITE (at link below)
INVITE FROM CEO ANDREW P LEHMAN (at link below)
VIDEO TESTIMONIALS (at link below)
EXPLANATION OF SERVICES (at link below)
ACTUAL TRAINING CLASS VIDEO-(at link below)
INSTRUCTORS INVITE (at link below)
NOW TO THE ORIGINAL REPORT THAT WAS FILED
Certified Forensic Loan Auditors, CFLA (((REDACTED))) from Los Angeles, California
NOTICE: About the Report below.
Ripoff Report (((REDACTED))) offending words and false accusations/statements because we found what was posted to be completely false.. If the posting was true, there would have been legitimate proof or some sort of documentation. Ripoff Report was not sent any evidence for the claims the author of the Report below made. As a matter of policy, when a business joins Ripoff Report Corporate Advocacy, Business Remediation and Customer Satisfaction Program, .. Ripoff Report always emails everyone that filed a complaint so the member business could make things right with them… our program calls for the member business to err on the side of the customer. (everything within reason) It is our opinion, the Report below is bogus. Ripoff Report had a 3rd party verifier inspected the offices of Certified Forensic Loan Auditors who was found to be a qualified and legitimate business with the credentials and experience supporting this fact. If Certified Forensic Loan Auditors was that bad, Ripoff Report would have many more negative Reports about them from real customers. Why? because Certified Forensic Loan Auditors have been listed on Ripoff Report at the top of search engines since 2011. If Certified Forensic Loan Auditors was a bad company, more customers would have posted comments or filed new Ripoff Reports. Take the report below with a grain of salt. If anyone can send us supporting evidence, please let us know. email@example.com
President/Owner Andrew P. Lehman, J.D., Advertises: 'CERTIFIED FORENSIC LOAN AUDITORS, LLC, is the nation's premier forensic loan auditing and mortgage/litigation support company. CFLA provides the most comprehensive and competent Forensic Audit in the industry, as well as tailor-made Qualified Written Requests, Complaints and Discovery Requests for professionals specializing in Mortgage Modification and Real Estate Law.'
Truth: Mr. Lehman does not possess a J.D. (confirmed by his own school, discussed later) , and CFLA is not the nation's premier forensic loan auditing company. Look closely and you'll realize that CFLA sells TILA audits listing the characteristics of loans that would not require the ''Demand/Rescission' letter packets sold with the audits. These letters are sent out when CFLA knows no rescissions are available: After rescission periods have ended, when loans are not refi's, and when RESPA-based QWR letters are sandwiched in with them, making the QWRs also completely worthless. I have several samples!
CFLA Advertises: 'Certified Forensic Loan Auditors, LLC Issues its Corporate Statement of Compliance With AB 2325'.
Truth: Certified Forensic Loan Auditors has not even registered in California under AB 2325, which amends CA Civil Code 2945.1/AB 2325. CFLA was supposed to do so in 2009, and again in Jan 2011. This means CFLA avoids paying the requisite $100,000.00 bond while also not refraining from taking up-front payments. They think they have the public fooled that they only provide reports and documents to attorneys--hogwash. I witnessed otherwise, and have the evidence. Yet this company has the gall to brag online (google it!) about how much $$ it raked in for 2010!
CFLA Advertises: 'Certified Forensic Loan Auditors, LLC is Attorney Operated'.
Truth: Certified Forensic Loan Auditors, LLC, barely operates, and certainly not by attorneys. Check out any attorneys' names affiliated with it, and you'll see independently contracting attorneys here and there, or a 'CFLA Executive Member' who practices in New Mexico and isn't even licensed in CA.
Mr. Lehman advertises: "Law Offices of Andrew P. Lehman' at 9663 Santa Monica Blvd. Ste. 766, Beverly Hills, CA 90210 phone 310-598-5936'.
Truth: Mr. Lehman is not only not a licensed attorney in California, but he does not even possess a law degree (J.D.), despite the fact that he places 'J.D.' after his name. Google him/CFLA and you'll see in one of his bio's where he states that he obtained his J.D. from Southwestern University of Law (formerly Southwestern College of Law). Just call over to Southwestern and ask for the Office of Assistant Dean for Registration & Academic Records to verify that he attended only 2 years there, and did not even graduate.
CFLA Advertises: 'Securitization Auditor Training Certification Course--a comprehensive 3-day training course to become a CFLA accredited Mortgage Securitization Auditor "MSA"' and 'Pricing:$2,995.00 for the 3-day course' and 'Receive a Certificate of Completion recognizing that you sufficiently meet the CFLA requirements necessary to be accredited as a "Mortgage Securitization Auditor".
Truth: There is no such thing, outside of Mr. Lehman's imagination, called an 'MSA'. CFLA is not a certifying body, and has no certifying body! He is charging nearly $3k so you receive a nice-looking certificate showing only that you completed a training course his company puts on. Wow--you meet his company's requirements? And what are those requirements? Just call the National Association of Mortgage Underwriters (NAMU) and ask why NAMU, a certifying body for the only Forensic Loan Auditor Certification available, cut its affiliation with CFLA because of many of the Truths revealed here.
CFLA Advertises: 'Not only are we the most competent and experienced team of Forensic Loan Auditors, but we can also offer expert testimony in court, to authenticate and evaluate the findings in the forensic loan audits'.
Truth: CFLA cannot make any such offer, because none of its employees appear in cases as court-qualified experts. Their Senior Auditor, Marla Giddings, did announce to attendees at a CFLA seminar that she 'finally got to telephone in some testimony' on one occasion. The only independent contractors who were court-qualified did not affiliate with CFLA long before moving on, and they did not ever appear as experts on CFLA's behalf.
This complaint is only but a glint of the multi-leveled CERTIFRAUD going on with Mr. Lehman and his company. The worst part of it is having been involved with them and seeing just how hungrily they feed on the unsuspecting and the desperate people facing foreclosure, just to make bucks, and pretending to care so very much! Andrew P. Lehman sees making money as an end in itself; this is the kind of perverse capitalism the Bernie Madoffs and the Wells Fargo's of the world are known for. But work with him and you'll see he's as lacking in integrity as he is maturity and intelligence, so usually works with younger (20-30-somethings), malleable automatons who don't A) Know that he's a fraud; B) Question him or check out his credentials; C) Recognize that he's out to line his pockets to the detriment of everything and everyone else...just ask the employees and contractors he doesn't pay (towards that end, I have documented evidence of his owing nearly $10k to just two of them).
This report was posted on Ripoff Report on 02/22/2011 09:00 PM and is a permanent record located here: http://www.ripoffreport.com/r/Certified-Forensic-Loan-Auditors-LLC/Los-Angeles-California-90066/Certified-Forensic-Loan-Auditors-CFLA-REDACTED-from-Los-Angeles-California-698721. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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