- Report: #1052793
Report - Rebuttal - Arbitrate
Complaint Review: Home Affordable Direct | Ripoff Report Verified™ …businesses you can trust. Home Affordable Direct loan modification and pre-qualification company, assists customers with financial objectives for a mortgage. Emphasizes exceptional customer service, Home Affordable Direct utilizes experience, knowledge, and latest technology to provide best possible results and support ensuring highest quality and customer satisfaction.
Home Affordable Direct1111 Rt. 110 Suite 321 farmingdale, New York USA
Home Affordable Direct REVIEW: Home Affordable Direct’s executive team and employees are committed to customer satisfaction. Home Affordable Direct was created to meet customers increasing demand for Loan Modification services. 100% Customer Satisfaction Guarantee. Farmingdale, Long Island, New York
*UPDATE: Home Affordable Direct pledges their commitment to always improving their operations by joining Ripoff Report’s Corporate Advocacy, Business Remediation and Customer Satisfaction Program. A program that benefits the consumer by increasing their confidence when doing business with a member business. Home Affordable Direct is recognized by Ripoff Report Verified™ as a safe business service.
EDitor’s UPDATE: Positive rating and recognition has been given to Home Affordable Direct for its commitment to excellence in customer service.
Home Affordable Direct states that their business is based on client satisfaction. “This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any complaints or concerns. Home Affordable Direct works at getting the job done while addressing any questions or concerns clients may have. Home Affordable Direct prides itself on listening carefully and welcomes feedback as an opportunity to learn from past mistakes and become more efficient as a company.”
Mr. Gutierrez states that he knows that it is critical to listen to his clients and respond properly. [continued below]....
Another top executive of the company told Ripoff Report that Mr. Gutierrez's does a great job of instilling a positive company culture as all employees "strive to add value to each client they speak with and that each case is handled with the goal of achieving modification approval while delivering client care”. Home Affordable Direct's mission is "Keeping the American Dream Alive." Ripoff Report learned in the course of its review that typical customer feedback reads: “Home Affordable Direct (and Mr. Gutierrez) truly believe in communication and mutual success as a processed modification for me is also a win for them. I was told from the beginning that that the company only accepts application that they know they can deliver on. I appreciated their transparency and went through the application process in a timely and organized manner. We are very pleased with the responsiveness that Home Affordable Direct showed 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 Javier Gutierrez during an on-site inspection held by a third party verification company with no biases toward Home Affordable Direct.
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..
Home Affordable Direct acquires potential clients by purchasing internet data of distressed homeowners and soliciting them for a free evaluation.
Their company imposes a pre-qualification stage during the sales process. First, they review the customer’s qualifications for government enhanced programs. Then, after reviewing and validating income and expenses, customers are qualified off of modified reports.
Affordable Direct aims their focus towards distressed home owners in the tri-state area.
When asked how they advise and suggest products for their clients, CEO Javier Gutierrez explained, “We do internet campaigns where we target key points. Then, customers are directed to our website.”
When dealing with a complaint, their company reviews the status of each case and then provides a money back guarantee if the clients are not satisfied.
During the onsite interview Mr. Gutierrez was asked to describe a situation where a client was not satisfied with the level of service they received, what he personally did to resolve the issue, and how the client responded when closing out their complaint: “In some cases, a client’s expectations are a little extreme. Although we saved their home, they aren’t satisfied with the money they’ve been saved. It is refunded most of the time, we work for free basically. It seemed like the customer was satisfied.”
In order to set themselves apart from their competitors, Home Affordable Direct exhausts every avenue to complete the task at hand. They provide unique services like a full work and process staff to negotiate the modifications 9 hours a day. This allows them to do 40-60 modification approvals a month. In addition, they provide a stress free environment. They deal with everything themselves, are willing to work until the expected results are complete, and offer a 100% refund if the job isn’t done properly.
In an effort to honor their commitment to “do whatever it takes” to make things right with their clients, Mr. Gutierrez stated, “We try to solve every single complaint accordingly, we don’t do anything bad to our clients.”
Mr. Gutierrez believes that it is an honor to be a part of the Corporate Advocacy Business Remediation and Customer Satisfaction Program. He explained, “It shows that we take pride in our process and that we take care of everything the right way.”
Home Affordable Direct has improved some of their internal processes and procedures by hiring reputation managers, and by making an effort to reach out to every unsatisfied client.
Home Affordable Direct / Statements on the owner.
”Home Affordable Direct's Financial Consultants have expressed that they feel very confident doing their job. A lead Consultant stated "I have seen Javier take personal interest in each of us consultants and he makes sure that we understand that it is part of our business not only to seek approval for our client's loan modification but to provide a seamless experience along the way. He has many years of experience in the financial services and mortgage industry and he radiates this knowledge throughout the office. He has shown us how rewarding the industry can be and it is great to check back with clients after their modifications have been approved and find that they are still in the same home we fought so hard to keep."
As noted above Home Affordable Direct creates a great environment for their employees and takes their satisfaction seriously as well. Employee feedback and surveys reveal comments such as: "Home Affordable is a great place to work with great people. Opportunities for suggestions and improvements are encouraged. Javier is truly committed to our success and making sure we grow as Financial Consultants. He takes the time to listen and communicate with employees and customers."
Ripoff Report was pleased to learn that Home Affordable Direct’s past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.
STATED IMPROVEMENTS FROM HOME AFFORDABLE DIRECT.
Home Affordable Direct 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, Home Affordable Direct 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 Ripoff Report's review, which included discussions with Mr. Gutierrez, Ripoff Report is convinced that Home Affordable Direct 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 Rip-off 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 =====================
Home Affordable Direct SCAMMERS Lied to me about a modification farmingdale New York
This company charged me over $3000 and promised me the world. I was guaranteed that my interest rate would be dropped to a 2% for the life of the loan and a guarantted a principal reduction. I was also quoted that my payment would not exceed $750 per month which would include the principal, interest taxes and insurance. My original payment was $1850, so to me this sounded like a no brainer! I could save over $1000 per month on my mortgage, who in their right mind would pass that up right? After months passing with no word from any employees of Home Affodable Direct I had to start calling them at least oncve a week to ensure that my file was being worked.
It seemed as if everytime I called they would blow steam up my a** to get me off the phone and that my case was just sitting there. About a month after my weekly calls I was requested to send in documentation which I had sent in a 100 times previously, which made me believe they had lost my file all together and had to start over from scratch. I can understand my income documents and what not but the same exact forms that I have completed several times previous...is it really necessary?
Well after 8 months of dealing with this company i finally got a "trial agreement" stating i was approved for a modification. Now as a reminder I was told my payment would not be over $750 per month and my original payment prior to signing up with Home Affordable was $1850, this "trial agreement told me my payment per month was now $2150!!! What did I pay these people for? I called to complain and asked to speak to the owner Javier. I was informed he was out of the office but was ensured that as soon as he got in that the representative Deborah would ensure that Javier call me right away to discuss my case and how upset I was.
Several days had past and the deadline to accept this trial offer was fast approaching and I had yet to here from Javier so I called in again. I was informed that again Javier was out of the office and when i asked for Deborah was advised that she is out on medical leave but that since my file has been approved the file is considered closed in their office. I am now in a situation where I am doing everything i can to muster up every penny and dime in order to pay this modified payment, which raised my payment, so I can keep my children in the home they have made all their memories.
I hope and pray that there are not too many others like me who have let Home Affordable Direct and their lies and deception take adavantage of them. They promise you the world, all I got from Home Affordable Direct is my world crashing down around me. They are a bunch of scam artsits and could care less about the honest hard working people out there. Be aware people please do not pay them any money!! I also found out after doing some further resaech it is ILLEGAL for them to accept any form of payment prior to receiving an agreement. This is only my fist step, I am determined to set this straight and pray to god to get my money back. I do not know how these people can sleep at night knowing that they are scaming hard working people who honestly need help!
This report was posted on Ripoff Report on 05/21/2013 06:40 PM and is a permanent record located here: http://www.ripoffreport.com/r/Home-Affordable-Direct/farmingdale-New-York/Home-Affordable-Direct-SCAMMERS-Lied-to-me-about-a-modification-farmingdale-New-York-1052793. 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.
If you would like to see more Rip-off Reports on this company/individual, search here:Search Tips
In order to assure the best results in your search:
- Keep the name short & simple, and try different variations of the name.
- Do not include ".com", "S", "Inc.", "Corp", or "LLC" at the end of the Company name.
- Use only the first/main part of a name to get best results.
- Only search one name at a time if Company has many AKA's.
Advertisers above have met our
strict standards for business conduct.
- Business's (11)
- Lawyers and Law Firms (5312)
- Administrative Law (11)
- Admiralty & Maritime Law (27)
- Agricultural Law (2)
- Alternative Dispute Resolution (10)
- Antitrust & Trade Regulation (1)
- Appellate Practice (72)
- Aviation & Aerospace (11)
- Banking Law (90)
- Bankruptcy (380)
- Business Law (232)
- Civil Rights (55)
- Class Actions (30)
- Commercial Law (13)
- Communications Law (1)
- Constitutional Law (1)
- Construction Law (83)
- Contracts (7)
- Corporate Law (75)
- Criminal Law (668)
- Debtor & Creditor (51)
- Education Law (14)
- Elder Law (77)
- ElectionCampaign & Political (0)
- Eminent Domain (5)
- Employee Benefits (7)
- Energy (0)
- Entertainment & Sports (17)
- Environmental Law (43)
- Family Law (13)
- Finance (0)
- Government (14)
- Government Contracts (2)
- Health Care (1)
- Immigration (482)
- Indians & Native Populations (1)
- Insurance (90)
- Intellectual Property (526)
- International Law (33)
- International Trade (0)
- Internet Law (7)
- Investments (1)
- Labor & Employment (12)
- Legal Malpractice (92)
- Litigation (20)
- Media Law (1)
- Medical Malpractice (13)
- Mergers & Acquisitions (0)
- Military Law (5)
- Natural Resources (10)
- Occupational Safety & Health (0)
- Personal Injury (842)
- Products Liability (21)
- Professional Liability (0)
- Real Estate (361)
- Securities (169)
- Taxation (142)
- Technology & Science (0)
- Toxic Torts (0)
- Transportation (2)
- Trusts & Estates (368)
- White Collar Crime (1)
- Wills & Probate (7)
- Workers Compensation (242)
- Zoning, Planning & Land Use (10)
- Legal Services (32)
- Arbitrators/Mediators (7)
- Automotive Expert Witnesses (0)
- Bail Bonds (0)
- Court Reporters (1)
- Electronic Data Discovery (1)
- Expert Witnesses (1)
- Forensic Experts (1)
- Jury Selection (0)
- Legal Assistants (8)
- Legal Speakers (2)
- Litigation Support (2)
- Medical Expert Witnesses (1)
- Other (14)
- Paralegal (5)
- Private Investigators (6)
- Process Servers (7)
- Translators/Interpreters (0)
- Miscellaneous Business Services (19)