• Report: #950834

Complaint Review: Brian Decker

  • Submitted: Thu, October 04, 2012
  • Updated: Tue, November 27, 2012

  • Reported By: Laura — San Diego California United States of America
Brian Decker
402 West Broadway San Diego, California United States of America

Brian Decker City First Mortgage Services fraud induced me to close a mortgage; San Diego, California

*Author of original report: Dispute with Brian Decker and City First resolved

*Consumer Comment: Laura,

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On November 3, 2010, I recieved a solicitation letter to refinance my residence that I thought was from my bank.  I contacted the number and was directed to Brian J. Decker.  In inquiring about refinancing my loan, I told Brian that I had a home equity line of credit (heloc) that I didn't want to lose.  He told me I could subordinate the heioc loan as part of refinancing and he put that in writing.  

Over the course of the work done to refinance, I never once waivered on my desire to subordinate the heloc.   Then, on the eve of closing, Brian told me we could not subordinate the heloc.  When I then told him I would not go forward with closing the loan, he told me he could get me a new heloc that was almost as good.  My original heloc was at Prime minus 1.0%.  He told me he could get me a new heloc for Prime minus 0.5%.  Based on that statement, I went forward with the refinance and closed out the existing heloc.  This was January, 2011.

During the next three months, I continually asked Brian to move forward with opening the new heloc. Brian delayed action on the heloc, saying things like "If you would like us to complete the equity line just shoot me an email.  We probably have another 10 days before I can have the HOme Equity Department submit the file. (sic)" and he would "get back to you this afternoon on the HELOC.  As we discussed on the equity line we are unable to begin the process until the loan has been transferred and the 1st payment has been made."  

Finally, in late March, Brian admitted that City First did not provide HELOCs. In other words, too bad for me!!!   Further attempts to get Brian to honor his promise were not successful.  I even contacted his City First supervisor, Michael Koopman, to get help. After initially agreeing to look into the matter, Mr. Koopman failed to respond to me further.

Because of the fraud committed by Brian Decker and City First, I had to get another heloc at a much higher rate and have suffered economic damages as a result.  I have filed a complaint in superior court so Brian will be accountable for this fraudulent conduct. 

This report was posted on Ripoff Report on 10/04/2012 12:41 PM and is a permanent record located here: http://www.ripoffreport.com/reports/brian-decker/san-diego-california-92101/brian-decker-city-first-mortgage-services-fraud-induced-me-to-close-a-mortgage-san-diego-950834. 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

Dispute with Brian Decker and City First resolved

AUTHOR: Laura - (United States of America)

City First Mortgage Services and Brian Decker have satisfactorily resolved my complaint.
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#2 Consumer Comment


AUTHOR: Karl - (USA)

Feel free to send a copy of your Ripoff Report to your Attorney General.

Simply 'Google' this- CALIFORNIA ATTORNEY GENERAL, and all of the information should be available on the web. Your Attorney General will work for the people of California at no charge.

***NATIONWIDE MORTGAGE ALERT: Make sure to stay at this site and type in all of the following and read the Ripoff Reports for important information if you have a mortgage-


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