• Report: #774206
Complaint Review:

Ripoff Report | CFLA - Certified Forensic Loan Auditors & Andrew Lehman

  • Submitted: Thu, September 08, 2011
  • Updated: Fri, April 25, 2014

  • Reported By: luanne — Santa Ana California United States of America
CFLA - Certified Forensic Loan Auditors & Andrew Lehman
NATIONAL ACCOUNT SALES OFFICE 13101 W Washington b Internet, California United States of America

Certified Forensic Loan Auditors "CFLA" TRUSTED BUSINESS REVIEW: Certified Forensic Loan Auditors clients, feel safe, confident & secure when doing business with Certified Forensic Loan Auditors. CFLA commitment to client satisfaction, exceptional client experiences & success. Commitment to Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction & confidence when doing business. Certified Forensic Loan Auditors, Bloomberg Securitization Audits, Quiet Title Packages, State Bar Approved Continuing Education Courses, and Auditor Training Certification Classes
*UPDATE: Certified Forensic Loan Auditors recognized by Ripoff Report Verified™ .. as a safe business service.

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REVIEW UPDATE August 4 2016: Certified Forensic Loan Auditors remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. Certified Forensic Loan Auditors is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.

To date, Certified Forensic Loan Auditors has made good faith efforts to resolve all complaints reported on Ripoff Report. Based on our experience, the member business has proven to be among the top members of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business™.

Over time and since becoming a member, Certified Forensic Loan Auditors has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever Certified Forensic Loan Auditors remains committed to improving customer satisfaction.

Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.

Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!

*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at editor@ripoffreport.com
 Certified Forensic Loan Auditors is Ripoff Report Verified

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..

Ripoff Report Verified™ REVIEW:

EDitor’s UPDATE: Positive rating and recognition has been given to Certified Forensic Loan Auditors for its commitment to excellence in customer service.

Ripoff Report’s discussions with Certified Forensic Loan Auditors have uncovered an ongoing commitment by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any complaints or concerns. Certified Forensic Loan Auditors listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.

Certified Forensic Loan Auditors' principal, Mr. Andrew Lehman, J.D., has informed us that his personal philosophy is that his clients are a precious resource. As a successful businessman and Entrepreneur, Mr. Lehman feels it is critical to listen to his clients and respond properly. By always putting his customers first, Mr. Lehman hopes to maintain Certified Forensic Loan Auditors as a successful enterprise both now and for many years to come.

Another top executive of the company told Ripoff Report that Mr. Lehman's personal business philosophy is based on the premise that "strives to add value in its services as they understand that a successful business model is based on value-added services, and client care”. Certified Forensic Loan Auditors's mission statement says it all: "Our goal is to provide our clients the best quality, value and professional excellence in the industry.” One of the other things Ripoff Report learned in the course of its investigation is that typical customer feedback reads: “Certified Forensic Loan Auditors (and Mr. Mark Buchine COO) truly communicate all aspects of the report in a timely and effective manner. We are very pleased with the responsiveness that he and his employees show 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 Andrew P. Lehman, JD, during an on-site inspection held by a third party verification company with no biases toward Certified Forensic Loan Auditors.

Certified Forensic Loan Auditors is a business to business litigation support training provider. The business is also a litigation support service and continuing educational provider approved by the State Bar of Texas, Hawaii, Nevada, New York, New Jersey, Florida, California, Georgia and Connecticut. Leads are acquired in a number of ways, including via the company’s website, newsletters, press releases, blogs and articles. “The typical [customer] experience would be a phone call or e-mail correspondence, after which the company would start an account, obtain financial payment information, sign a wholesale agreement, and begin the process for their client,” explains Andrew P. Lehman, JD, a representative of Certified Forensic Loan Auditors. The sales process involves the signing of the wholesale agreement and then a document submission, and concludes with an analysis of the documentation.


At times, clients who feel they are not satisfied with the training they received or services provided to them. “Clients received three day training and were not satisfied with the knowledge due to not being able to retain or grasp the information and put it into its correct use,” explains Mr. Lehman. “The client is allowed to retake the course at no additional charge or at a small additional fee, depending on the circumstance.” The refund policy offered by Certified Forensic Loan Auditors states that if the class has been completed in its entirety and exams have already been taken, background check completed, then generally there is no refund. However, this is not an extremely common complaint, and generally, customers are satisfied once the team at Certified Forensic Loan Auditors works with them on re-taking the course.

After a complaint is resolved, the team continues to follow up with that customer to ensure they remain satisfied and to see if there is anything else they can help with. “[We] follow up to see if the client needs help with job placement or opportunities with other companies, and also with their own company. The company also tried to evaluate to see if additional training is needed in the company’s multi-level tier training program,” explains Mr. Lehman. In order for instructors to teach a class, they must be certified through the tier 1 and tier 2 training, which takes 40 hours of classroom training, passing both exams with a 90% or higher grade, as well as having completed 100 expert reports. Instructors and graduated must also agree to the CFLA Code of Ethics.

There have been numerous complaints posted to Ripoff Report regarding the company’s general business practices. In response to these complaints, Mr. Lehman states, “Only 2 of the 7 complaints were actual clients. The other 5 were former employees, or competitors. Additionally, the company has contacted real clients and offered refunds in spite of the original policy of no refunds. The company maintains an A+ rating with the Better Business Bureau nationally, despite having numerous complaints because of the way the company responds to them.” Since receiving complaints through Ripoff Report, Certified Forensic Loan Auditors now has an individual responsible for consumer complaints and dispute resolution with a background in human resources and management, rather than going through the company’s general counsel.

Mr. Lehman and the team at Certified Forensic Loan Auditors recognizes the value of working with Ripoff Report and the Corporate Advocacy Business Remediation and Customer Satisfaction Program, and the platform it provides for business and customers to interact and resolve issues. “It means a commitment to honoring the highest level of customer service and accountability to their client base nationwide,” states Mr. Lehman.

CERTIFIED FORENSIC LOAN AUDITORS / Statements from the owner.

"My name is Andrew P. Lehman, J.D. and I am the Managing Member of CFLA / Certified Forensic Loan Auditors, LLC I would like to thank you for taking the time to review CFLA. CFLA is recognized throughout the United States of America as the Leading Experts in Mortgage Securitization and Training. As founders and creators of this industry, CFLA has long set the bar for what to expect in an Auditing Company. Mr. Lehman's staff of Certified Auditors, Licensed Attorneys, Officers, and Employees are committed to continue to grow this entire industry and uncover hidden trade secrets to expose Banking Institutions of Predatory lending and Mortgage Fraud.”

Since opening their virtual doors, CFLA has rapidly expanded to become the premier online legal destination for small businesses and consumers. But as the company continues to grow, they are careful to hold true to the original vision. At CFLA, putting the law within reach of millions of people is more than just a novel idea—it’s the founding principle.

Certified Forensic Loan Auditors Auditing team is led by Michael Carrigan, CFA, MBA. Mr. Carrigan has testified as an Expert Witness on multiple occasions and in multiple jurisdictions. Mr. Carrigan is involved in the product development process at Certified Forensic Loan Auditors. With his background as a Licensed Securities Broker and years of experience in Residential Mortgage Audits, he is also the lead instructor in the Industry Renowned Mortgage Securitization Auditor Training Certification class and has personally trained more than 500 Auditors on this process.”

Certified Forensic Loan Auditors takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this: "Certified Forensic Loan Auditors provides a very positive environment to work. Opportunities for suggestions and improvements are encouraged. "Mr. Lehman is truly concerned about employee's contribution to the company and providing growth opportunities for them," says Production manger Melanie Paree.. He takes the time to listen and communicate with employees and customers." Ripoff Report was pleased to learn that Certified Forensic loan Auditors past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.

What’s with all the Jerseys on the wall?

"The 'shirts on the wall' are actually officially licensed NFL / NBA or MLB Authentic Jerseys, some of which were actually worn and/or autographed by the athlete themselves.

I was raised a fan of professional sports. Prior to my Birth my Grandfather Jim and his Brother Jim Adam Wisniewski were professional athletes in the 1950's. When I was merely 4 years old my Uncle Leo Wisniewski (My Mom's Brother), was drafted in the 1st round by the Baltimore Colts and played there for several seasons. In 1988 his Younger Brother Steve Wisniewski, was drafted by the Los Angeles Raiders, and he played for 12 seasons In 2010, my first cousin Stefen Wisniewski was drafted by the Oakland Raiders and has played there as a Star Center up to the present. My family has a history of professional athletes that spans 3 generations and it is a part of the foundational discipline that helped me achieve where CFLA has become today!

Most of the Jerseys and Autographs on our wall are from Family members and friends that have stared in professional sports. CFLA is actively engaged in Sponsoring local Youth Athletics teams, as well as having our own Softball and Flag Football teams. Additionally, at CFLA we also often times will have brackets and fantasy football activities that encourage college and professional sports viewing and it helps break the monotony of the hard grind at work.”


"Certified Forensic Loan Auditors, LLC "CFLA" is committed to customer satisfaction. Offering 12 month guarantee on all findings in our Audit Reports or Updates are FREE. Our Mortgage Securitization Auditor Training Certification Class is Nationally Recognized with more than a Thousand Executive Level Graduates of this program since 2009. Our Commitment to customer satisfaction is the reason that we joined Ripoff Report's Corporate Advocacy Program. We are committed to resolving complaints by our customers and providing the highest level of expertise in the Foreclosure Defense Industry. Our Team of Certified Auditors and Attorneys provide comprehensive Forensic and Securitization Audits as well as full service litigation support services, Expert Witness Testimony in Court, Auditor Training, and Attorney Continuing Education Training on issues ranging from Foreclosure Defense Strategies, Quiet Title, Mortgage Securitization in Litigation, Bankruptcy in Litigation, Contract Law Disputes, and the Uniform Commercial Code on Secure and Negotiable Instruments. CFLA also offers free services to members, including, a Forms Database for use in Court, Cutting Edge Newsletters, Attorney Blogs, Webinars on Mortgage Securitization to Sharpen our Auditors in their Trade, and Free Attorney Referrals to Homeowners in all 50 States.”

Certified Forensic loan Auditors 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 Investigation Certified Forensic Loan Auditors 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 our investigation, which included discussions with Mr. Lehman and many of his past and current associates, Ripoff Report is convinced that Certified Forensic Loan Auditors 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 Ripoff 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 Rip-off 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.

For more information on Certified Forensic Loan Auditors, please click the links below:








CFLA - Certified Forensic Loan Auditors & Andrew Lehman CFLA In addition to daily harassing phone calls if you don't take the course, the course itself is worthless to anyone who actually wants to help homeowners in foreclosure as opposed to those who only wish Internet, California

In addition to daily harassing phone calls if you don't take the course, the course itself is worthless to anyone who actually wants to help homeowners in foreclosure as opposed to those who only wish to sell more courses to more unsuspecting consumers.

Do not buy their course.  It's a scam.  Don't sell it either, you are being bought off. They told me the class was taught by attorneys. In fact, the only attorney that "teaches" is on Monday morning to give the "introduction and welcome" to the class.
They told me I would be able to negotiate a settlement easily as a non-attorney. I've discovered banks won't listen to anyone without a bar number. If you are not a licensed attorney, they will just put you in a holding pattern doomed for failure.
They told me I would be given work from their company. Instead they asked me to bring them clients and asked me to sign a "marriage document" of a non-compete.

They told me to read the testimonials from their former students. They didn't tell me that others had posted negative material they refused to post on their website, I had to learn that from calling their former students myself. They told me they were the only nationally certified school, but there is no such thing as national certification. The only certification I would get would be from another company they themselves had formed to certify their own courses.

Then I started asking around. They list all their "graduates" on their website, along with their "testimonials". I started to call them. I spoke with one who told me that NAMU.org was founded in January BY CFLA in order to "certify" their students so they could claim national certification by a non-profit company. He also said he was unimpressed with the calibur of their teaching, specifically stating the teachers were unable to calculate an APR rate. He said he allowed them to certify him on their website, because why not? He didn't ask for his money back because he figured he just got scammed and learned his lesson. He is based on Orlando. He struck a deal with them for 10K a month to teach their course for them. Which their
sales force will sell for him.

Andrew Lehman called anyone complaining with an offer of the same deal. He won't give a refund, it admits guilt. He offered clients to do his audits for him. I refused because his product isn't worth the paper it's written on as far as negotiations for the benefit of the homeowner are concerned. Mortgage evaluations must be done by an attorney and negotiated by an attorney in order to have any chance of success for the homeowner. Only an attorney doing the examination can comment competently on contract and tort law causes of action a homeowner may have against his or her lender.

This report was posted on Ripoff Report on 09/08/2011 01:31 AM and is a permanent record located here: http://www.ripoffreport.com/reports/cfla-certified-forensic-loan-auditors-andrew-lehman/internet-california-/cfla-certified-forensic-loan-auditors-andrew-lehman-cfla-in-addition-to-daily-harassin-774206. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 UPDATE Employee

Competitor Trying to Damage CFLA Reputation

AUTHOR: ANDREA DAVIS - (United States of America)


See below for MSA Class Tesmtimonials:

This course was the missing link in putting together all the knowledge Ive
already been accumulating, but was not able to assimilate into a prosecutable
document for submission which an attorney can use in litigation.
Warren D. Goldstein (Class on 07/22)

If you want to learn the audit the mortgage securitization process, then
this is the course for you!
Timothy, ORiley (Class on

This is a course that every American citizen can use to fight back against
Wall Street and the banks to keep or receive compensation for the mortgage fraud
committed on 85% of loan originated between 2001-2008. Liz and Art are a God
Brandon Coleman (Class on 07/22)

Personally, the course is an enhancement because Im already particular with
about 95% of it. Although, I notice there are beginners in the class and I
highly recommend the course and its instructors combined because I saw and
noticed how these beginners were able to comprehend and able to finish their
homework and finals on the 3rd day. The other 25% of the course was my core
information to enhance my knowledge and the course & instructors made me
achieve what I expected to learn. Thanks!
Eddie Peregrino (Class on

Excellent information! The tracking of assignments, very thorough.
Instructors knowledge of these securitization processes are very strong. CFLAs
commitment is very strong to students and to excellence.
Carl L. Williams
(Class on 07/22)

Although I have prior experience of 20 years of Mortgage Banking and Real
Estate, this class has given me a comprehensive edge over the average attorney
and ultimate foreclosure defense! Thank you for taking me to the top.

Kartika Kelley (Class on 06/10)

I really enjoy the class. I met a lot of professionals and made strong
connections. I feel fortunate to come across this class, from my classmate. I
would recommend this class to anyone moving forward.
Wook Chung (Class on

This was an amazing seminar that gave me the knowledge to help Homeowners
to fight for their Rights against greedy bankers and mortgage
Saul Golan (Class 06/10)

Had a great time with the class and instructors, class was informative and
I would recommend it to anyone who wants to learn more about Mortgage
Ellen Russell (Class 06/10)

Learn as much as you can. Think outside the box and be analytical. Learning
this will allow you to be helpful to the community as well as society. Enjoy the
fact that we are here to help. If I can help just one person to stay in their
home I have done society a world of good
Lakeisha R. Burrell (Class

This class is something that everyone in the mortgage profession, needs to
Jose Goyos (Class 06/10)

"The Securitization Certification Course is a power course for those of us
charting un-charted territory."
Bobby Lister (Mortgage Securitization
Auditor Training Class on 6/10/2011)

"If your goal is to produce analysis reports that are high quality you need
to make it to one of the CFLA training sessions."
Craig Pruitt (Mortgage
Securitization Auditor Training Class on 6/10/2011)

"As a forensic audit business owner looking to expand my product line, this
course is invaluable, I believe that by adding securitization as a
product/service, my profits may more than double and I will be better able to
serve my clients."
Elyssa Reynolds (Mortgage Securitization Auditor
Training Class on 6/10/2011)

"The course is a wake up call for the masses subjected to the fraudulent
attack by the banks."
Chandra Anand (Mortgage Securitization Auditor
Training Class on 6/10/2011)

"This course provided practical knowledge to use in the real world. The
instructors were very nice and knowledgeable with expansive experience in actual
cases. I highly recommend this course for/to anyone interested in saving their
own home, or to gain the knowledge necessary to do so. These tools could shape
the entire mortgage industry for years to come!"
Tony Risenberg (Mortgage
Securitization Auditor Training Class on 6/10/2011)

"The instructors are FANTASTIC and want you to learn!"
Younghans (Mortgage Securitization Auditor Training Class on 6/10/2011)

"This program allows you to stop the banks in their tracks. Now, there is
hope for homeowners to save their from forclosure."
Mark Wilk (Mortgage
Securitization Auditor Training Class on 6/10/2011)

"Come open minded ask questions talk to the instructors. The more you listen
the more you learn. Thank you Art and Liz for a wonderful
Jennifer Corrales (Mortgage Securitization Auditor Training
Class on 6/10/2011)

"Very informative. Found all class material to be useful. Enjoyed
Shannen Jackson (Mortgage Securitization Auditor Training Class
on 2/25/2011)

"The class will give you the education as a great tool to be proficient in
the Forensic Auditing process. I highly recommend this course to anyone that is
committed to making a difference and helping the homeowner"
McIever (Mortgage Securitization Auditor Training Class on 2/25/2011)

"You have no idea what your course means to me and how it will change my
practice. Blessings to your company"
Sharon King Dudley, Esq (Mortgage
Securitization Auditor Training Class on 2/25/2011)

"This class is very motivating to get started. There are knowledgable people
to help you along the way. The instructors are good for staying on task. Love
all the samples and templates from the classthat is great to help us out with
our cases. Definetely recommend.
Anton Ackerman (Mortgage Securitization
Auditor Training Class on 2/25/2011)

"All instructors and attorneys are very friendly and knowledgeable and
helpful. Tons of work"
Mark Freedman (Mortgage Securitization Auditor
Training Class on 2/25/2011)

"Be ready to focus and take good notes. The material and information is new
and innovative. Therefore, it will be challenging. Ask questions and
Christian Giannolti (Mortgage Securitization Auditor Training
Class on 2/25/2011)

"Great class to arm yourself with inside knowledge only the banks have had
for years. It will teach you how to present yourself when you go to court
against your lender"
Marie Breakfield (Mortgage Securitization Auditor
Training Class on 2/25/2011)

"Anyone that wants to get a good understanding to apply securitization
auditing should strongly consider CFLA"
Sean Parkman (Mortgage
Securitization Auditor Training Class on 2/25/2011)

"The class was very informative. I feel pretty comfortable doing a forensic
report. I thought I could have never done it because I'm just a housewife with
no real estate experience, but the instructors were very caring and helpful and
the material was explained in simple terms. Big thanks!"
Mayra McSween
(Mortgage Securitization Auditor Training Class on 2/25/2011)

"Very useful resource to assist in several mortgage areas"
Griffin (Mortgage Securitization Auditor Training Class on 2/25/2011)

"My name is Craig Nester and my wife Deona Nester, and Attorney Kody Holker
graduated from your training in 2010...Thank you. It changed our world and about
96 families so far. My wife loves your girl who does the training and they email
from time to time...The quality of work has stood up in court to the point where
she is getting some entry level expert work from law firms...Bringing in a
decision maker from the lender to the table to have a common sense conversation
about a loan mod is a no-brainer. My wife has taken your training injected it
with steroids and then poured gasoline on top...It is amazing quality and we
have you to thank. Other than being a raving fan if you need anything from us or
we could help you please let us know. My wife would be willing to fly out and
help your trainer at any time at our expense...She really feels indebted to
God Bless you and your business,

"If you have but one thing you do to further your education, make it this
course. This is something that can be utilized in almost every real estate
situation that exist today. What you can do with the information you learn will
change lives"
Carlos J. Rice Perez, Esq. (Class on 12/03/2010)

"I would recommend anyone that is on a quest to weaken the banks in their
games of lies and deceit to do almost whatever it takes to take this
Nkosi Gray (Class on 12/03/2010)

"The instructors have great knowledge and experience in mortgage
securitization audits. They are excellent instructors and impart the ability for
the homeowner and attorneys solve the mortgage now!"
Charles Christmas,
Esq. (Class on 12/03/2010)

"Classmates were open and eager to learn. Environment promoted real learning
and interactive participation"
Valeria N. Tomlin, Esq. (Class on

"This course has helped me broaden client's loan analysis. I recommend this
course to anyone in the real estate litigation business for serious
Ernest Gorriti (Class on 12/03/2010)
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