• Report: #606694

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  • Submitted: Mon, May 24, 2010
  • Updated: Wed, February 16, 2011

  • Reported By: Jose Cavazos — League City Texas United States of America
4100 Alpha Road Suite 400, Dallas Tx 75244 Internet United States of America Aspire financial Worst Customer Service I have experienced in years. Internet

*REBUTTAL Owner of company: Confused once again by an invalid complaint

*Author of original report: Not enough and a little too late.

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I'm writing this report to express my dissatisfaction with the customer service I received from after I signed the papers and that I still have not received my credit card deposit they told me I would get after I closed on the loan.
At the beginning, the mortgage agent, Tony King would answer the phone right away anytime I called and also answer emails pretty fast, but once I closed the loan, he would not answer the phone or email. The reason for the calls and emails were legitimate questions that I still have no answers to and as I mentioned before, I still have not received my credit card deposit back. 
I could write all the ways I'm feeling about this and all the things I want to say but i think that if I state the facts it would be enough. 
I know they people of texaslending read this reports and I'm not the only person that has had a bad experience with them. I should have made my homework and gone with another loan processor but that's my fault.
Anybody can process a loan, but from what happened to me, not everyone can provide good customer service specially
I hope that this company changes it's ways so no one else goes through this.


This report was posted on Ripoff Report on 05/24/2010 12:10 PM and is a permanent record located here: 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 REBUTTAL Owner of company

Confused once again by an invalid complaint

AUTHOR: Kevin - (U.S.A.)

As owner I am confused by this complaint.  The loan for this client closed as scheduled with proper disclosure for the services that we are legally able to provide.  I am not sure what this consumer means by "receiving his credit card deposit."  The client was credited his upfront deposit at closing as shown on the settlement statement and as we do for all loans.  ALL LOANS require a deposit to pay the appraiser on a home loan as appraisers get paid regardless of the outcome of a loan.  Lenders are required to pay the appraiser because due to federal regulations consumers are not allowed to pay the appraiser directly.  So as a lender we collect the appraisal fees after the application and disclosers are signed.  

This client paid the appraisal fee and then was credited the appraisal fee at closing as can be seen on the closing statment.  For all loan closings lenders credit any out of pocket fees that are paid in advance.  If I am reading this complaint correctly this consumer believes they should be credited for the appraisal as a deduction in costs at closing and also receive cash back for the services rendered by the appraiser which is neither logical or legal.   In addition, the loan officer wo is mentioned in this complaint discontinued employment with our company so was unable to respond to the consumer after closing.  As no communication was made with management from this consumer this is the first time we heard of this complaint.  

Once again, an invalid complaint has been made on this website for a loan that closed properly as disclosed.  The client was  looking for something that is not in the scope or legal right of a lender.  Please take this into consideration as we companies receive these complaints with no proper due process nor recourse, nor any indication that a complaint was filed.  We find this to be unjust as consumers all have a resource with their local state regulatory agency or federal agency to file valid complaints.  If a client was ripped off then we would be reprimanded.  As it stands, out of the 400,000 people that have contacted us for a home loan in the past decade we stand by our record for service and trust.  Our name is now tarnished due to this and other invalid complaints with no recourse.  This is unjust. Thank you for your understanding.
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#2 Author of original report

Not enough and a little too late.

AUTHOR: Pep - (United States of America)

After advising that I was going to post negative feedback and express my dissatisfaction on this site I received an email in which they explained the reason why I had not received my credit card deposit back. The reason, they explained, is that they had given me credit towards my closing costs.  Although this message explained the credit card issue, they failed to clarify the reasons for ignoring all my calls and emails.

Jose Cavazos
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