• Report: #622389

Complaint Review: US Loan Auditors

  • Submitted: Sun, July 11, 2010
  • Updated: Sun, January 27, 2013

  • Reported By: Robet — Auburn California United States of America
US Loan Auditors
2882 prospect park drive Rancho Cordova, California United States of America

US Loan Auditors Shane Barker/ Jeff Pulvino/Jim Sandison Forsenic Audit performed Rancho Cordova, California

*Consumer Comment: Jeff Pulvino and Jim Sandison are at it again, this time with Creatine Marketing

*General Comment: I guess it really is a scam

*Consumer Comment: Lost it all

*Author of original report: US Loan Auditors

*REBUTTAL Owner of company: Response to Robert Jackson's claims

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This company charges upfront fee of 1% of your orginial Mortgage Example $500,000 fee $5,000.0 to perform audit to determine if there are violations in your orginal loan docs. This audit from other companys costs Appox. $500.00.


 Several weeks later you come in and go over audit with fraud investagator and if there are violations in the audit and in many cases there is, you are told you have a good case against the lender and you should proceed with there legal side.If by some miracle no violations are found you receive your money back within 30 days according to the company.

At this point if  you decide not to go forward with the company there is no refund. The next step is you must sign a document and pay this company 1,250.00 per month for USLA to continue your case.

 In this document each line that you sign It states we are not a foreclosure rescue company/we are not a loan modification company/we cannot give you legal advice and we are not attorneys.We cannot guarantee your home will not be foreclosed. To my knowledge they have not settled 1 Court Case.

 They have testimonels that claim they have but are not true. USLA tries to hire attorneys on a contingency basis but most will not take the cases because they are only paid if there is some type of settlement.

 If and when they do hire an attorney for a usla client many have called the client after a short time and have quit because they dont want to have anything to do with this company.The examples this company gives before signing any paper work is cases they say they say they have won.

 In these example cases they have won there are principal write downs interest rate reductions and attorneys fees paid to attorney hired by USLA. This by defination is a LOAN MODIFICATION.

The principals of USLA also own a company by the name of Equityflips.com and they buy foreclosures. Its odd that some of the foreclosures that occur from USLA Auditors these owners are living in there clients foreclosed home and then they flip them for a large profit according to their website Equityflips.com

This report was posted on Ripoff Report on 07/11/2010 09:38 PM and is a permanent record located here: http://www.ripoffreport.com/r/US-Loan-Auditors/Rancho-Cordova-California-95670/US-Loan-Auditors-Shane-Barker-Jeff-PulvinoJim-Sandison-Forsenic-Audit-performed-Rancho-C-622389. 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 Consumer Comment

Jeff Pulvino and Jim Sandison are at it again, this time with Creatine Marketing

AUTHOR: Anonymous - (United States of America)

Hey everybody, 

I just want you all to know that Jeff Pulvino and Shane Barker set up Creatine Marketing http://creatinemarketing.com, from 2010 onwards but both men aren't publicly listed anywhere on the website or business license. Daniel Fleetwood, former Vice President of Sales at US Loan Auditors, is listed on the company's Nevada business license.


James Sandison is also not publicly listed anywhere on the team page of the website but he's in the legal department for Creatine Marketing as evidenced by this video: http://www.youtube.com/watch?v=Ddtv-XVumeI 
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#2 General Comment

I guess it really is a scam

AUTHOR: Deputy Dawg - (United States of America)

The state has determined there is enough evidence of a crime, to sue them in court.

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#3 Consumer Comment

Lost it all

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

I too signed up in Sept. 2009 and thought I was taking a positive action to hiring legal counsel.     All became untrue as my fraud loan investigator discussed paying the monthly fee to remain in my home until we could get things resolved with my lender. Nothing. All they provided was a poorly done, in my opinion, loan audit after my home foreclosed and was sold at auction.     Prior to the home being sold they stated they provide their clients with information to presented to the judge when it comes to challenging the "unlawful detainer" which may have allowed me to stay in my home. But when the unlawful detainer arrived they sent notice saying, No help. That by assisting, it becomes a conflict with their lawsuits.     What lawsuit? What lawyer? I paid a $2700.00 up front fee and they ignore me from the payment onward. Left me on my own to file my own response to the unlawful detainer notice. I lost everything and then they wanted me to start paying the $1,000 monthly fee. WHAT!       Do yourself a strong favor and cross check this company with the Better Business Bureau or possibly end up homeless like me.        
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#4 Author of original report

US Loan Auditors

AUTHOR: gamblingbob99 - (United States of America)

Greetings first of all this company served a no trespass notice to me was totally illegal. But instead of coming back onto the property i went out on the street at least 300 yards from their building.I did not and have never returned to their property. Yes they did file a lawsuit against me for the purpose of trying to silence me about their company. This has not and will not keep me from protesting against this company unless they refund my money or they shut down. If you want to know about lawsuits you can go to Public Document Distributors.com click on search and type in USLA you will see the law suits against this company both past and present. I suspect we will find more suits against this company.You can also go to Complaints Board USLA and see the many comments about this company.Also you can go to fightbackinsac and view the many comments about this company along with the lawsuits associated with this company.Again people have lost their homes and this company continues to ask them to pay $1,000.00 -$1,250.00 on the hope that they may get a Settlement Good Luck!!They call this a settlement when there examples say they have received a principal reduction an interest rate reduction and cash back. If it walks like a duck quacks like a duck it's a duck.Call it what you want this is a loan modification by defination.Thats why earlier this year a law was passed against this very thing no money up front on loan modifications. This Forsensic loan Audit for me is totally worthless. This company after the great sales pitch and this Audit and after you have paid them thousands of dollars now says you have many violations and a good case against the lender.This company now has you sign another agreement that says they guarantee nothing.
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#5 REBUTTAL Owner of company

Response to Robert Jackson's claims

AUTHOR: Shane Barker - (United States of America)

Prior to our response, I would like to start by saying that we have had to file a lawsuit against Mr. Jackson (case number 34-2010-00082304 filed in the Superior Court for the State of California, County of Sacramento Civil Division) and file trespassing orders (reference #1762781 with the Rancho Cordova Police Department) against him as well. The harassment of our staff and clients along with the slanderous statements he has made has gotten out of line.

1. To Mr. Jacksons claim that this audit from other companies cost about $500.00. You can certainly get an audit from another company for approximately $500.00. However, it is not the same audit that is performed by USLA. We provide a 70 page audit that is performed by trained specialists, other audits are done by a software package, are approximately 10-12 pages and the software does not have the ability to ask you questions about what you are told or if you were lied to.  There are also companies considered non-profit who charge $5,000.00 for an 18 page compliance audit which is only one component of our in depth audit. Those audits never take the human aspect of your personal situation in to account. For example; if your paperwork was correct and yet your lender lied to you, that potential violation may never be discovered.

2. Only if you choose to pursue legal action against your lender and your file is viewed by a licensed attorney in the state of California can that attorney determine if you have a case. No one is qualified to determine if you have a strong case. In litigation anything can happen. You could have many violations and potentially no favorable outcome or you could have very few and end up with a very favorable outcome. However, ONLY a qualified attorney can answer those types of questions for you.

3. Why would a business refund money to someone who purchased a product but chose to do nothing with that product? If you hire a painter to come paint your house and decide the following day to sell your house, the painter does not owe you your money back. Much the same as if USLA does a forensic audit, finds violations and yet you decide to do nothing with it, what cause is there to return money?

4. US Loan Auditors is NOT and NEVER will be a Loan modification company. Please see our testimonials from satisfied clients at www.usloanauditors.tv

5. Robert Jackson has never spoken directly with any of our testimonial clients. His claims that these testimonials are untrue and that these people lied is slanderous.

6. Mr. Jackson has never spoke to any attorneys that have quit based off his stated reasons. Attorneys that have offered assistance to our clients, own their own businesses and do not work for USLA or MYUSLS. My US Legal Services is a paralegal support service that will provide your attorney all of the support necessary to prosecute a legal claim, including, legal research, drafting of the initial claim or complaint, filing and service of documents, responding to and propounding motions, responding to and drafting discovery, drafting settlement demands and drafting mediation, arbitration or trial briefs, all at the direction of your attorney.

7. Please see the definition of a court settlement here http://www.google.com/search?hl=en&defl=en&q=define:Court+settlement&sa=X&ei=15lATPH7L4yesQPFwIGRDA&ved=0CBsQkAE

In law, a settlement is usually an agreement between the disputing parties about the legal case, reached either before or after the court action begins. The term "settlement" also has other meanings in the context of law.

8. 2 of the principal partners use to have a company called equity flips. They now have a business called US Loan Auditors and My US Legal Services with a 3rd partner.

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