- Report: #1041021
Report - Rebuttal - Arbitrate
Complaint Review: E Mortgage Management TRUSTED BUSINESS | Ripoff Report Verified™ …businesses you can trust. E Mortgage Management, a private directly-endorsed lender they have the ability to offer rates and terms other lenders can't. E Mortgage Management privately held independent mortgage banker has been in business for over 12 years serving clients nationwide, from coast to coast.
E Mortgage Management TRUSTED BUSINESS | Ripoff Report Verified™ …businesses you can trust. E Mortgage Management, a private directly-endorsed lender they have the ability to offer rates and terms other lenders can't. E Mortgage Management privately held independent mortgage banker has been in business for over 12 years serving clients nationwide, from coast to coast.12 Sherwood Road Rockville Centre , New York United States of America
E Mortgage Management TRUSTED BUSINESS REVIEW: E Mortgage Management dedicated to customer satisfaction. EMM implemented strategic changes ensuring client success, focusing on finding ways to assist client's search for new opportunities effectively, even in challenging business climate we face today..
*UPDATE: E Mortgage Management recognized by Ripoff Report Verified™ as a safe business service.
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REVIEW UPDATE July 19 2016 : E Mortgage Management remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. E Mortgage Management is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.
To date, E Mortgage Management 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, E Mortgage Management 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 E Mortgage Management remains committed to improving customer satisfaction. [continued below]....
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 email@example.com
Ripoff Report Verified™ .. part of Ripoff 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..
Ripoff Report Verified™ REVIEW
EDitor's UPDATE: Positive rating and recognition has been given to E Mortgage Management for its full commitment to quality customer service.
Ripoff Report's discussions with E Mortgage Management have uncovered an ongoing dedication 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 concerns. E Mortgage Management 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.
E Mortgage Management's principal, Mr. Crichton, has informed us that his personal philosophy is that his clients success are the heart of the business. As a successful businessman, Mr. Crichton feels it is critical to listen to his clients and respond properly. By always putting his customers first, Mr. Crichton hopes to maintain EMM as a successful enterprise both now and for many years to come. Another top executive, told us that Mr. Crichton’s personal business philosophy is based on the premise that "strives to add value in service, understanding that a successful business model is based on value-added services, and client care". , "We are one of the top residential home loan mortgage providers in over 30 states. With us, you'll always receive a complex and customized approach to home loan options that comes from a team of home loan experts".
One of the things Ripoff Report learned in the course of its review is that typical customer feedback reads, "E Mortgage Management truly communicate all aspects of the service in a timely and effective manner. We are very pleased with the responsiveness that the employees show us. They are serious about meeting commitments, and deliver on their promises."
The information provided in this report below is based on comments made by Angel Bell during an onsite inspection held by a third party verification company with no biases toward E Mortgage Management.
E Mortgage Management LLC is an independent mortgage banker that services customers nationwide. Angel Bell sated the following about the vision of her company, "our vision is to be able to serve the American people with affordable home ownership through offering a different variety of mortgage services."
Leads for E Mortgage Management LLC are acquired through call centers, but primarily through referrals. Once a potential customer expresses interest in their services they will be directed to a licensed loan originator who will collect information including: what type of property their interested in, their budget, and they area they wish to live in. From there documents are collected and the loan originator can provide the client with mortgage options.
CUSTOMER CARE & COMPLAINT RESOLUTION E MORTGAGE MANAGEMENT
During the onsite interview, Ms. Bell was asked to describe a situation where a client was not satisfied with the level of service they received. Ms. Bell expressed that they rarely receive complaints in reference to their services, but clients can become frustrated when they run into issues approving a loan or not having a high enough credit score to obtain a loan. There is various documentation involved with these services, and in order to ensure clients have the best experience E Mortgage Management LLC will advise clients the proper actions to take in order to obtain the loans they desire.
Ms. Bell was asked to address the comments posted on Ripoff Report's website. Ms. Bell explained that the comments were not directed at the sales or services process of E Mortgage Management LLC, but against a former employee. When the comment was initially posted, "we immediately responded on Ripoff Report, and we addressed the situation." E Mortgage Management LLC investigated the complaints, and decided for the benefit of both the consumer and their business to terminate their professional relationship with the customer in question. Their dedication to providing the highest level of customer service is evident through this action as well as their accreditations through the Mortgage Banker Association, and the Better Business Bureau.
E Mortgage Management LLC is proud to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program. Ms. Bell further stated, "to us it's important that we are partnered with the Customer Advocacy Program that Ripoff Report offers...we want the customer to know that we are a trusted organization, and that we are putting our best foot forward."
E MORTGAGE MANAGEMENT STATEMENTS FROM PRESIDENT – KEVIN CRICHTON
" We strongly believe in the importance of educating the consumer while helping them successfully navigate the home-buying process. We suggest every buyer do research prior to any transaction and we point them to the resources we believe can provide the necessary learning tools about housing affordability and low down payment program opportunities available in the counties they are looking to purchase in.
E Mortgage Management's team have expressed that they feel very confident doing their job. E Mortgage Management takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, "E Mortgage Management takes employee satisfaction seriously" Ripoff Report was pleased to learn that E Mortgage Management's past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.
STATED IMPROVEMENTS FROM E MORTGAGE MANAGEMENT
E Mortgage Management 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 review, E Mortgage Management 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 review, which included discussions with Kevin Crichton, Ripoff Report is convinced that E Mortgage Management is committed to quality delivery of services resulting in total client satisfaction.
How does a business get Ripoff Report Verified™
The member business allows Ripoff report to email everyone from the past. Those who respond to Ripoff report with a valid complaint must be take care of.. they have made a commitment that if anyone contacts Ripoff Report in the future, they will make things right within 14 days. The member business must err on the side of their customers. Otherwise the member business is off the program.
Ripoff Report has determined that E Mortgage Management meets Ripoff Report Verified™ standards which include a commitment to make a good faith effort to resolve any consumer complaints. Members of the Corporate Advocacy Business Remediation and Customer Satisfaction program do pay a fee for our on-site review, 24 hour monitoring and for support with customers to resolve any disagreements.
Ripoff Report sends a 3rd party service to do an onsite inspection of the new member business. The on-site inspection / review does not mean that the products or services offered by the business have been evaluated or endorsed by Ripoff Report, and has not made a determination as to the business' product quality or competency in performing services. We can verify, that Ripoff Report went to the business, verified their business or “work from home business”, there for, if a customer in the future does not get treated correctly, Ripoff Report can get the problem resolved. If not, and the customers is right, the member business will be taken off the Corporate Advocacy Program. Remember, Ripoff Report emailed every customer from the past that filed a complaint to make sure the member business made things right with customers from the past. Again, to err on the side of their customer, those from the past and those in the future.
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 Ripoff 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.
NOW TO THE ORIGINAL REPORT THAT WAS FILED
DENNIS RAICO OF E-MORTGAGE MANAGEMENT EMORTGAGE MANAGEMENT HARBORS KNOWN DENNIS RAICO IN NEW JERSEY. Internet
ABOUT THE RIPOFF REPORT BELOW:
Ripoff Report would like to let readers know that Ripoff Report emailed this customer so the member business could make things right with them. When a business joins the Corporate Advocacy Program, Ripoff Report emails everyone from the past so the member business can make things right with them. Of course, everything within reason. 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.
STATEMENT FROM E MORTGAGE MANAGEMENT:
employee was hired --- then we learned he was a bad egg FALSE not relevant to EMM
NOW TO THE ORIGINAL REPORT THAT WAS FILED
E Mortgage Management harbors known white collar criminal DENNIS RAICO from Rockville Centre, Long Island. He pretends to be part of a country club as a way to hide his criminal intentions, then robs hard working innocent people from their life savings. He has done this several times all along the east coast and continues scamming unsuspecting victims all over the country with the help of E-Mortgage Management in Jersey.
DENNIS RAICO CAREER FELON!!!! BEWARE OF CAREER FELON DENNIS RAICO!!!!!! ITS A HUGE SCAM & HE WILL ROB YOU BLIND!!!!
E-MORTGAGE MANAGEMENT VICE PRESIDENT
12 Sherwood Road, Rockville Centre, NY 11570
This is a petition to bring Dennis Raico to justice for theft and grand larceny for unsuspecting victims of MORTGAGE FRAUD PERPETRATED BY DENNIS RAICO OF E-MORTGAGE MANAGEMENT and others affected by this known felon. We hope to have 100 signatures by end of APRIL 2013 to place him under arrest.
I heard he was arrested a few times before for perpetrating fraud with some Faracco guy in NY, I believe he's banned from the industry and hiding out in some Mortgage Company in NJ now. This guy is bad news. I would suggest to stay away or JUST RUN if you see him!!!!
He tells everybody he was a bigwig at Countrywide, but everyone I spoke to says he was a raging alcoholic and the only way he knew how to make a living was by stealing and ripping clients off, because he hasn't worked an honest day in his life.
He's been fired from every firm he's worked for including Guaranteed rate, Superior Mortgage, Chase and Countrywide. The fact that this guy is not in prison is beyond me!!!!
I wont be surprised if he's in federal penitentiary in 6 months. Last I heard, this fraudster was running an illegal modification shop out of hempstead Long Island with his cronies.
I heard when Attorney General got news of the scam, Raico was already on the run and already running another mortgage scheme with his buddies out of Rockville Centre, Long Island.
I think i saw this scumbag on American Greed the other night. He goes from bank to bank preying on gullible victims and earns their trust. After that, he steals an enormous amount of money and the kicker is he GETS AWAY WITH IT EVERY SINGLE TIME LOL
Your a class act Dennis let me tell you
You have to give it up to him though, he has gone under the radar for SO long, how could you not keep the scam going!!. Im sure the feds will catch up to him soon enough. How long could this guy get away committing all these criminal acts!!!???
I heard this guy blew over 150K of company funds on strippers, blow and hotel rooms in Miami and then bailed out on the strip club TAB. Sick sick Man!!!
Holy s**t, this guy is a real maniac, how in the world is he getting away with this s**t ?? My brother in law got taken for 180 grand, Raico promised him some huge return from his wall street connections, but all he got in return were empty promises and excuses for months....THis is what he does, he steals huge amounts of money then stalls a bunch of people for weeks until he has enough rope to leave the state.
His guy has been taking from Peter to pay Paul for years, Im shocked that he's able to walk the streets scamming good, hardworking people. This guy should be in JAIL once and for all.
DENNIS RAICO CAREER FELON!!!! BEWARE OF DENNIS RAICO!!!!!! ITS A HUGE SCAM & HE WILL ROB YOU BLIND!!!!
This report was posted on Ripoff Report on 04/05/2013 02:23 PM and is a permanent record located here: http://www.ripoffreport.com/r/E-Mortgage-Management-TRUSTED-BUSINESS-Ripoff-Report-Verified-businesses-you-can-trust-E-Mortgage-Management-a-private-directly-endorsed-lender-they-have-the-ability-to-offer-rates-and-terms-other-lenders-cant-E-Mortgage-Management-privately-held-independent-mortgage-banker-has-been-in-business-for-over-12-years-serving-clients-nationwide-from-coast-to-coast-/-Rockville-Centre-New-York-11570/DENNIS-RAICO-OF-E-MORTGAGE-MANAGEMENT-EMORTGAGE-MANAGEMENT-HARBORS-KNOWN-DENNIS-RAICO-IN-1041021. 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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