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Complaint Review: Certified Forensic Loan Auditors TRUSTED BUSINESS | 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 AuditorsNationwide United States of America
Certified Forensic Loan Auditors "CFLA" TRUSTED BUSINESS 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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REVIEW UPDATE JUNE 15 2016: Certified Forensic Loan Auditors remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. Certified Forensic Loan Auditors is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.
To date, Certified Forensic Loan Auditors has made good faith efforts to resolve all complaints reported on Ripoff Report. Based on our experience, the member business has proven to be among the top members of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business™.
Over time and since becoming a member, Certified Forensic Loan Auditors has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever Certified Forensic Loan Auditors remains committed to improving customer satisfaction.
Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.
Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!
*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at firstname.lastname@example.org
Ripoff Report Verified™ REVIEW:
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. As a successful businessman and Entrepreneur, Mr. Lehman feels it is critical to listen to his clients and respond properly. By always putting his customers first, Mr. Lehman hopes to maintain Certified Forensic Loan Auditors as a successful enterprise both now and for many years to come.
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 False Securitization Reports - they're just a report mill Los Angeles, San Diego, Orlando, Nationwide, NationwideI have a mortgage background and am no dummy, but I still lost $1000 to a Securitization Audit that a 3rd party company ordered from Certified Forensic Loan Auditors aka CFLA? I probably would have never known that their report was useless if a friend of a friend didnt happen to look at it. He explained some interesting things to me about CFLA so I wanted to make sure that people know what theyre getting from a CFLA or any of their affiliates for that matter. I did a lot of my own research and found everything he described to be true. So as you can imagine, Im a little ticked off.
1. CFLA offers a 2 days Certified Training Course. Certified by who exactly? It turns out, they certified themselves. There is no legislative body that licenses or certifies any person or company involved in securitization audits. CFLA also claim to be the only certified securitization auditor training course. Again, congrats on giving yourself a bogus certificate but it obviously means nothing if the data if my report is worthless.
2. If you search for it, youll easily find that they advertise their 2 day training courses all over the country. People with absolutely no experience in securitization attend these classes and after 2 days of training, theyre also Certified Securitization Auditors. Let me repeat: people with 2 days of experience are starting their own businesses and selling these reports as experts.
3.Dont take my word for it. Go to the CFLA website (http://www.certifiedforensicloanauditors.com/) and see a sample of their Securitization Report. Then, search the internet for securitization audit samples or securitization report samples - you will be amazed at how many reports look exactly like the CFLA report. In other words, that company took the 2 day certified class and immediately began to sell reports using the template that CFLA gave them. Sure, some of the fancy colors may have changed but cmon, Im not blind. When I saw a ton of variations of my report online, It made me feel like theyre just a report mill, trying to sell as many as they can while content isnt all that important. Isnt that how I got screwed by the banks in the first place?
4.The most important information in a securitization report is the identification of the Trust that supposedly bought your loan. Read the CFLA disclaimer on the last page carefully they GUESS the name of the Trust and claim no responsibility if the guess is wrong. CFLA calls their choice of the Trust an expert opinion but this is a matter of fact, not opinion. You should be given proof that the loan was sold.
5. How did I verify this for myself? I paid another company $700 to redo my report. The new report proved that CFLAs expert opinion was completely wrong I was given a long list of the mortgages owned by the newly named Trust and mine was highlighted clearly on the list. I asked the guy who I bought the CFLA report from if he was given that list of mortgages owned by the Trust? He told me that CFLA can offer that same service but only with their most expensive report. If I paid $1000 and didnt get that information, how much more would I have had to pay to get the actual facts? I dont even understand why you would offer a cheaper report that has someones crazy guess when you clearly have a way to verify the facts and provide proof? I might have even paid for it. $1500 for a report that helps me is still better than $1000 for a piece of crap. Mind you, I paid $700 to the other company and got exactly what I needed.
You get the point. I dont want to waste my day typing or yours reading my post. BUT - I would avoid any company that claims to be Certified Securitization Auditors. And ask to make sure that your report will have proof of your loan in the Trust. You should get a list like I did and you should be able to easily identify your loan. Also, ask for a sample of their report and if it looks like the sample on CFLA, Id be worried.
Like I said, dont take my word for it, do your own digging. Just remember, if it looks like a duck and quacks like a duck
This report was posted on Ripoff Report on 11/06/2011 12:39 PM and is a permanent record located here: http://www.ripoffreport.com/r/Certified-Forensic-Loan-Auditors/nationwide/Certified-Forensic-Loan-Auditors-CFLA-False-Securitization-Reports-theyre-just-a-report-795581. 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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