• Report: #974419

Complaint Review: First House Financial.com

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  • Submitted: Tue, November 27, 2012
  • Updated: Tue, December 04, 2012

  • Reported By: gdstudy — alpine California United States of America
First House Financial.com
Internet United States of America

First House Financial.com - The First House Financial Corporation I was searching for apartments. The agent made it clear that finding apartments in the price range of which I was searching could be done. I would need to pay an "application fee of $49.00" Internet

*Author of original report: Refund Reuest Form

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I came across this foreclosure agency while searching for apartments. So I called. I told them what I was searching for and the price range as well as to what locations. that I had two pets. The agent was very agreeable that they could provide me listings that fit my search. there was an application fee of $49.00(actually later I realised it was a membership fee. I asked if theyknew what the deposits might be, the response was no deposits were needed. I would would just take over the payment. I would contact the owner and do a walk through to see if the apartment met my specifications then contact them and I would move in.

This is all great, no deposit plenty of apartments in the area , and price range I wanted that were pet friendly. What a great company. So. I payed the $49.00 thinking that was to check my credit and rental history. Then I was given a web page to go to and became very confused as to how that worked. What I am supposed to do the searching? I thought they had listings for me. ah well. So I searched under the area and choices.

Please choose stateAlabamaAlaskaArmed Forces (AE)Armed Forces AmericasArmed Forces PacificArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict Of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming          Beds  1 2 3 4 5 6 7 8 9 10                     Baths  1 2 3 4 5 6 7 8 9 10                    Residence          Office          Industrial          Apartment Bldg.          Commercial          Condominium          Price range:
$   $ My FavoritesContact UsResourcesSearchProfile

When I tried to search with areas nothing came up under Apartments. I called back and was given the drone drill. there are five steps, you mail a letter to the property owner, wait 3 to 5 days and then call them to arrange a walk through. then contact First financial, and move in. Only problem is one I didn't ask for a membership, 2, I was given the impression  they were to supply me with listings. 3,that the listings were available and that they were apartments. They clumsily guide me throuh what I might be doing wrong. finally when I entered condominium some addresses came up a couple 1bed 1bath not in my price range. then when I called and asked about this they told me that anything under $100,000 would be in the price range of $550 to $650 Few met those specifics and once again they were not apartments or studios. I am told tp go to the resources page and ask for updates and to use the forms located there. These:LinksFirst House Financial GuidePurchase Agreement [.doc] [.pdf]Contact Letter [.doc] [.pdf]Grant Deed [.doc] [.pdf]Quit Claim Deed [.doc] [.pdf]

Nothing here refers to apartments either. So I do a live  chat thinking it couldn't possibly be a person so I asked if the agent was a human. they assured me they were so I said I am not gettings the listings I was looking for. Anyone on the other end could tell I was frustrated and unhappy. I was told not to be rude to the customer service agents.  But they would not answer my question, do you have apartments or studios in the following areas. they pulled a listing and emailed it to me.

Just prior to sending the email the agent told me there was nothing in the areas I requested in my price range. The Email once again were homes. I mailed nine letters out thinking well maybe I should just settle with what the have. I went to the terms and uses page where it stated I f they were unable to supply me with what I was searching for they would refund the $49.00 minus a five dollars processing fee. So I snet a letter to the customer service department and received no reply for five days. Once Again I did the chat service. I told them my situation and they began giving me the drone drill again. They said the listing was sent via email that I requested and it was under the documents of RCON what ever that was. I told them I had sent a refund request to the people on the resource page and they said you sent it to customer service, not billing DAH ,isn't that what is on the resource page, customer service??So now I have to contact billing via email. not a problem.

as follows. please forgive my errors.

Furious!! robert Allen gdstudy1359@gmail.com10:00 AM (1 hour ago)to billing
Hello,
In the terms of use it states(which I can no longer pull up) that should I receive listings that do not meet my specifications or (plain English) you can not provide me what I am searching for.(what I requested)OK. San Diego, California. $500 to $600 cat friendly. 1 bed 1 bath  small kitchen and living room. Gas heat and stove. Apartment buildings not houses. Within 10 minutes of the down area, north east south or west. Would be much appreciated.that you would refund my payment less $5.00 processing fee. 
I was sent listings  in the $550 to $650 range. I used those listings supposedly the "RCON" listing, first time I have seen the name, and they were all houses. Every time I try to explain this is not what I was told in the very beginning when I sign in for this mess, I am politely overrun with  drone syndrome replies. I have typed in more than 16 zip codes with 0 results as my result. Please refund my membership fee(which they were very smooth in making me think it was an application fee, not a membership), before they dropped me on my bottom into a web site to research for myself. I was led to believe that the research would be done by your company in the initial beginning phone call. Agent name and Ext 204. Everything I asked if they could do was a, yes we can do that for you,etc. never once did she say we only have houses that have been foreclosed on, but she did say we can find you an apartment and you just take over the payment no deposit needed.

customer support though they may be nice, are very skilled in avoiding the specific questions. Do You have Studios or Apartments in the range I requested. Answer: Mr. Allen we sent you the listings you requested just follow the the five step and set up a walk through. Hello that is not an answer to my specific request. Either you do or you don't have my requested apartment info. The costumer agent when she sent the listings to me which I no longer have, said specifically there are no studios in the area you are requesting in the at price range.

Come on Folks I have worked in the  corporate system for years. You are very smooth with your sale pitch.
Please Reply Asap. Also you will have to refund to my debit card which I will give you in the next communication not the card I paid you with as it is now closed. By the way I am refraining from using every nasty word I can think of because I am so livid from this entire experience. So PLEASE don't tell me I am being RUDE! And trust me I will be sure to send copies to the better business bureau. And just to be clear once again, I only wanted to find an apartment to rent not a home to take over.

Dissatisfied
Customer Robert Allen

waiting for a reply.

I highly suggest that no one be duped into thinking these people can help you find an apartment and be fooled into thinking a process fee is just that, not a membership fee. They may well do a grand business for locating homes or condo or townhouses, but speaking or understanding plain English is not their best suit. And there is nothing in the world worse then speaking to someone who speaks back to you through rehersed sentences.

This report was posted on Ripoff Report on 11/27/2012 12:31 PM and is a permanent record located here: http://www.ripoffreport.com/r/First-House-Financialcom/internet/First-House-Financialcom-The-First-House-Financial-Corporation-I-was-searching-for-apa-974419. 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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Updates & Rebuttals

#1 Author of original report

Refund Reuest Form

AUTHOR: gdstudy - (United States of America)

 Mr D'wayne,

To Whom it may concern, (D'wayne)

I can honestly say... it has not been a pleasure using your service. That being said, I contacted Billings as you requested me to do at the email address you gave me regarding a refund, later to be told(by you) that I had not filled out the refund registration form. Also adding insult to injury you eagerly suggested you would email me the form if I WISHED?? Why on earth you did not do this "wish thing" for me at the time you suggested the email address? This alone, can only emphasise your blatant incompetency.

More to the point, in the process you suggested about me emailing billing, they canceled my account. Now after several attempts to get a human being to assist me over the phone (which it say in the Terms of Use can be done)

This below is what I was trying to get the phone agent to understand, I wanted to  do my refund and cancellation by phone with a billing department agent. I was  told I would receive a call from billing that day. It never happened. And still hasn't. Nor have I received a reply back from Billings in regards to my email.

QUOTE: customer service department at (877)413-7214.
Cancellations processed by phone may incur a $5 fee.

(that Incur should say minus form the membership(application)fee.)

 so I can be sure  I am completely free from the money grubbing company that would hire such customer service as yourself with more processes to follow and referrals to give then Martha Stewart has handbags,(don't strain your brain) I am nowhere closer to receiving any competent customer relations to brag about. 

So, now if you are done with all your little mind games, would you at least be courteous enough( something I had when I got a board your ship of fools and have now seriously lost) get an intelligent human to call me call me and tidy up this litter box mess you have left me with, Continue to have a good day and I look forward to being amazed to the dog and pony show you have me perform in your reply. For your convenience, as it must be hard keeping all of your clients,aka members from being confused with each other, since we are all going through the same nightmare, I was listed as  account member gdstudy1359@gmail.com and phone #(##########)Robert Allen.

Since you must think that just because someone has $49 for an application aka membership fee,  they must have a printer as well. Well, I don't, so I am having my bank print the RRF for me, Which I will have them fax to your fax number asap. Minus the $5 cancellation fee, should they honor it. I am not holding my breath.

Mr,Allen

P.S.
You will find attached the email listings from RCON which you said would have lists that I requested. My request was as follows:These are homes! Not studio's or apartments???

Ok. This I have said since DAY ONE.
San Diego, California. $500 to $600 cat friendly. 1 bed 1 bath  small kitchen and living room. Gas heat and stove. Apartment
buildings , studio's (Once again... as I was told, you would have listings of this sort by my sign up agent several times and yourself per the  last post preceding the one)not houses. With in 10 minutes of the downtown area, north east south or west. Would be much appreciated.(This is where my refund should have been made apparent)

18:27:19 D'wayne B.: Hello! Welcome to our chatline support. How may I help you?

18:28:16 robert allen: Yes, I contacted billing two days ago and have not heard back, is there a window of time before the reply is sent back to me?

18:28:50 robert allen: ...2 days in reference to a refund

18:29:08 D'wayne B.: May I have the name and email address on the account, please?

18:29:45 robert allen: gdstudy1359@gmail.com Robert Allen. thank you.

18:31:36 robert allen: I also requested through customer service a repeat email of the listings previously sent to me under RCON.

18:33:41 D'wayne B.: Thank you, after checking your account(as per refund policy)

ME(( Oh, here comes the brilliance))

you were unable to submit a Registration Return Form for your refund to be processed.

Me typing a question...???

18:34:08 Operator D'wayne B. left the chat.

Me thinking(Maybe because you gave me the impression that an email to billing support would help them "be aware of my refund requests, and help them process my account? ((Instead, they closed the account. without calling me or emailing me))

Me opening another chat

18:38:03  D'wayne B.: Hello! Welcome to our chatline support. How may I help you?

18:38:45 robert allen: gdstudy1359@gmail.com Robert Allen. thank you. I didn't get this part but he tells me I closed the chat.
 
Today's update: 12/4/12
I did fax in the refund form that was wishfully sent to me yesterday to the fax#(831)515-5200 @ 13:07.

Oddly the whole form went like this: (and all of these would only resound in the positive, since that is what they do. )But me, It didn't work that way for me, I was like a piece of gum stuck on the shoe of those neat rows of satisfied customers.

The usual, name address phone email and the refund requested.

to explain my reasons for requesting a refund in detail.

1. What areas I was looking for a home in.(this question had it been asked on my first initial contact, would have made my decision for me, as I would not have done the application fee.)

2. Were the properties available?

 3. Would I consider using their service in the future?

4.  As a good way of looking for a home? (once they receive the membership fee, this is all their thought processes revolve around, Mention my request and it is{{ like they never heard it}} and proceed to guide you in the right direction to find a home.)

In this section please rate the following statements:


1. Was I treated like a valuable customer of the company?          1 strongly agree to 4 strongly disagree.
(kind of like the evaluation questionnaires given to corporate employees at the end of each year for improving employee/customer relations and how much you think you deserve for a raise considering your contribution to the
team effort)

2. were there a large selection of properties available in the area I desired?

3. Find the e web site to have lots valuable information and tools?

4. Was the service delivered as promised?

Please rate your overall experience in the following categories. This will assist us in understanding of what areas we need to improve to better assist our customers. (Are they f**** kidding After the grief I have had dealing with these drones!!)rotflol!

1. available properties in your area?

Excellent to------------ Poor

2. navigation of the website/user friendly?
3. Tools maps and forms?
4. Customer service knowledge?
5. Customer service proffessionalism?
6. Customer service availability?

Please list any additional comments or suggestions you have for First House Financial.

My suggestions: Rather than leading someone on to think you can help them with a service you don't have(finding and supplying studios apartments listings) and telling them in order to get you started we need an application fee of $49(
tell them you only do foreclosed homes and that in no way should the customer be lead to assume you can find rentals such as apartments and studios,period!) This would be a good starter.

I certify that my answers are true and complete to the best of my knowledge

signature__Robert ____Allen______________________________________Date:
_12/3/12_____________

For Mngmt Use Only

___approved
____Comments
___rejected

Now, had I been looking for a home, they follow the setup flawlessly, just don't step outside the line of that processing method, and I am sure you will find what you need for a home.

I just don't like the way they sucked me into this process by telling me we can get you what ever you are looking for after I was specific several times and the answer I got was ,yes, Ok. we can do that for  you mister Allen In her mind she was probably believing what she told me or just wanted to get that extra quota in to keep her job, so she white washed it a little just to get me passed the first gate.

Then the reality started to sink in when I started to see that what they offered , was not what I had asked for, but exactly
what they were offering and me trying to figure out what happened along the way.

Most people on the first experience I started having would probably just say screw it and accepted defeat.
(I  wanted to myself) And if I don't get refunded then this will never happen to  another person looking for an apartment, as there are enough cons out there making this a  very difficult procedure as it  is.

As the waiting in line phone message drills that idea of getting you into a home to rent with an option to buyinto your head over and over if you are ever lucky enough to get someone to answer only to find it difficult to get them to understand this is not what I was told I was going to receive. Whether intended deception or not. The fact that I have received no emails
or phones calls to remedy this situation, this only reaffirms to me it isintended. And now at this point it isn't about the refund, it is about acknowledging the mishap. Or it becomes a sweet little incentive on the sly to misrepresent yourself.

robert Allen <gdstudy1359@gmail.com>2:28 PM (1 hour ago)to support

To whom it may concern, (First House Financial.com)

I have made a report to RIPPOFF.COM , of which I have the ability to update  and reflect your good business practice's. Your eagerness to satisfy my complaint by making things right will be seen by the entire world. Failure to respond/rectify the situation will also be seen.  You have been sent and communication on more than several occasions by email and by phone calls to customer service. They have canceled my account before refunding me the acceptable $45 of the $49 which you required me to pay to access the information on rentals Studios and apartments in the surrounding area  of  downtown San Diego. I was whether inadvertently or on purpose led to believe that your company could and would supply me with studio's and or apartments with 1bed/1bath small kitchen, pet friendly. Only after paying the $49 did it become aware to me that all you were offering were foreclosed homes rent with option to buy. I have made several attempts to get customer service to understand my request in writing and by phone of my circumstances. I was told that I should email your billings dept about my refund and after doing so was told by the same agent who referred me to that solution, that I was unable to submit a rrform.   He  then and only then offered to email to me the said form. I received it and faxed it yesterday to your fax number. I have  had no replies as promised by phone or emails and etc etc etc.. so here is my report clear or unclear I expect a refund not an extension of the canceled said  membership  of which I requested to  cancel over the phone that I received on my first encounter with billings. My cell is (619) 865 3976. Please call me as I am tired of having to write book on the absurd customer service I have received thus far. A simple matter that could have been straightened out by one person that could actually stop following format procedures and truly listened to my comments has now become an ordeal of magnitude proportions as far as I am concerned. All of this was caused by one phone interview with a customer agent by misrepresenting the facts as I understood them to be. 

I would be safe to say that a bit of white washing the sell pitched led me to pay an application fee I understood to be like a rental credit check only to find that it was a membership fee to see a list of foreclosed homes etc. Had she used the word membership, I instantly would have refrained from purchasing, and delved further into what she was saying to me rather than what I was saying to, her thinking she knew what I was asking for.  Attached you will find my complaint.

Attached you will find the listings ( my requested info:rental studio's or apartments with 1 bed 1bath small kitchen pet friendly in the San Diego area $500 to $600 a month)foreclosures emailed to me by D'wayne after specifically  being asked to send listings with my requests of apts. and studio's.

Had he any competence at all he would have just answered my question , "Do you or don't have listings for apts and studio's fitting my requests in the areas I asked for.

The correct answer would have been, No sir, there must be a misunderstanding, we only do foreclosures rent with option to buy. Obviously you have been given the wrong impression of what you are receiving for your membership, let me look into that for you. Instead I was more than politely led around by the nose until I became aware of it my self.

NUFF SAID.

2 attachments  Download all attachments  Foreclosure listing san diego.htm
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