• Report: #911778
Complaint Review:

Hunter Financial Group

  • Submitted: Fri, July 13, 2012
  • Updated: Fri, October 12, 2012

  • Reported By: ET — Tacoma Washington United States of America
Hunter Financial Group
1711 W. Greentree Drive, Ste 111, Tempe, Arizona 85284 Internet United States of America

Hunter Financial Group HFG Lending Company Incompetent, dishonest, unreliable Internet

*Consumer Comment: Lets take a broad view at this

*Author of original report: Refund Received, but

*UPDATE Employee: Update - Refund was sent and confirmed

*Author of original report: Update - Refund promised, but nothing

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I started my refinance loan application on April 10th.  This was a interest rate reduction/no cashout refinance.  I had used HFG before and they completed the refinance process in less than 2 months.  I dealt with all new people.  After sending in all requested documents and sending $250 to SLS loan servicing for a subordination on my loan, I sat back and waited.  Weeks went by with no information. 

SLS contacted me in early May asking if I had contact information for HFG so they could do my subordination on my 2nd Mortgage.  I notified HFG immediately and forwarded the email from SLS to them to let them know there was a problem with communications between SLS and HFG. 

Again weeks went by with no information.  Finally in early part of June I wrote an email asking what the hell is going on.  I got a phone call from Dave Boddy telling me that they were waiting on SLS and the bank.  He also informed me that they paid to extend the rate lock because they had taken so long it was about to expire.  He told me that they were going to pay it for me.

More time goes by and no response or update.  All the while I kept getting updated electronic documents online to sign and send back, which my wife and I did promptly.  I noticed that some of the fees had changed.  I asked why my Points fee went up, given that the loan had gotten smaller due to the fact I had made 3 more house payments waiting on my refi.  No answer to my question.

I emailed 3 different people and left 2 voice messages asking why this Point Fee had gone up $317.84.  Nobody would reply to me with an answer.   On June 25th Dave Boddy tells me we can close maybe that day, he will try and get back to me at 4 p.m.   A week goes by and now we are into July.  I fire of more emails and voice messages asking what is going on with the changing Point Fee.

Finally I get a response, but no answer to the question.  Dave Boddy finally calls me back 10 days after he said he would saying it is done.  I ask him one more time why it went up, and he tells me that they had to extend the rate lock again and they were charging me the fee.  On the day of signing my loan he springs this on me.   Oh, I don't want to forget he threatened to tear up my loan if I didn't like how HFG was doing things.

Of course after spending $250 to subordinate my loan and wasting 3 months, and not to mention this loan program is all but discontinued now, I had to agree to pay it and close the loan.  Dave Boddy even told me if we tore it up and started over that I would not qualify for a loan.

Talk about putting the screws to somebody, A, either keep paying over 6 percent instead of 3.5% or go ahead and pay a fee that was due to their lazy handling of my loan.   Oh, btw, after signing the papers on the day it was suppose to be funded they send my more documents that they forgot to include, the Subordination Documents, the most important part and supposedly the delay in the process.

This company was very dishonest and lazy in their customer service and charged me a fee for their delays.  I signed all documents when I had a chance without one delay, and I provided all documents to them and yet they still charged me.

This report was posted on Ripoff Report on 07/13/2012 07:03 PM and is a permanent record located here: http://www.ripoffreport.com/reports/hunter-financial-group/internet/hunter-financial-group-hfg-lending-company-incompetent-dishonest-unreliable-internet-911778. 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

Lets take a broad view at this

AUTHOR: Random - (United States of America)

Your loan took several months to close... this is not uncommon considering the volume of refinance applications during low interest rate markets and considering you were essentially applying for two loans, one subordination request and one new loan, most banks take upwards of 10 business days + 2 days each way in the mail to approve a subordination request. Lock extensions are common, there are hundreds of articles online about how common lock extensions have become and how they are customarily charged to the borrower.

HFG went ahead and offered (did not haggle) and offered to cover your extension at no cost. By the time the loan was ready to go into closing a second extension needed to be filed and this cost was disclosed to you on an estimate. The senior vice president called you directly on this matter and offered to cancel your loan at no cost should you not wish to proceed.

According to your statement Flagstars refund policy is LESS than 1 month. You were quoted "a couple weeks" on an escrow refund, which is normal and industry standard. 

They went a step further and express mailed you a certified refund of the second lock extension covering both extensions at no cost to you. You also had a 45 minute phone call with the general counsel of the company who personally handled this refund for you.

As many loans do, your loan had stipulations that delayed the closing but it seems HFG went out of their way to help facilitate. 

Best wishes,

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#2 Author of original report

Refund Received, but

AUTHOR: ET - (United States of America)

I was waiting for my Escrow Refund to come before I closed out this issue.  It is true I got the refund check, and even though it was late and sent to the wrong address, it did, indeed reach my bank account.

Dave Boddy, SR. VP of Sales, told me that my escrow refund would be sent to me after the loan was paid off in a couple of weeks.   This was in fact wholly untrue, again.   It is the policy of Flagstar, whom HFG works with very closely as indicated by the fact that on my statements HFG is listed right on the face of them as a point of contact for new loans, that they should have known that the policy is within a month.   Well, Mr. Boddy assured me when he was letting me know that I would have to PAY money at the closing, which was never in the plan from the beginning, that, "don't worry, you will have that money in a couple weeks".   

Yesterday was August 13th.  My loan was paid off July 11th.   I finally received my escrow refund.

This is the final thing in a long list of inaccurate information that HFG used during the loan process.  It was as if they would say anything to help close the deal, the truth was never a consideration.   With all of the choices out there in getting loans, there is absolutely no reason to do business with an outfit like HFG.    If they will treat a returning customer like they treated me, imagine what they do for first time customers.   Buyer beware.
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#3 UPDATE Employee

Update - Refund was sent and confirmed

AUTHOR: Hunter Financial Group, LLC - (USA)

As a matter of customer service, I have investigated your
above mentioned issue. After reviewing all information, as part of our customer
satisfaction Jackie Mohr promised the refund check of $ 319.84 which was
shipped Fedex Delivery on 7-19-2012.

7-23-2012 Jackie Mohr emailed you a copy of refund check,
customer service letter and the tracking information.  You replied back and advised we made a typo
error with the property number instead of 1635 it should have been 1634. It was
corrected with FedEx and the package was successfully delivered to your
residence on 7/24/2012 at 11:19am tracking number 793807684285. On behalf of
HFG we apologize for any inconvience this may have cause. We trust that this
resolves your concerns and we appreciate the opportunity to remedy your
experience with HFG. 

Thank you,

Danielle Villanueva
Employee Services
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#4 Author of original report

Update - Refund promised, but nothing

AUTHOR: ET - (United States of America)

So I was contacted by Jackie Mohr from I am guessing their feedback department.  I told her I would be glad to talk to her and she called me on Monday, July 16.  I spent about 45 minutes talking to her and answer her question and filling her in on the entire process and my complaints about being charged for what was clearly not my fault and something that they should have handled quicker and better.   

Ms. Mohr told me that she had my refund check sitting on her desk and would be trying to get it in the mail that day, certified.  She told me she would email me a confirmation number so that I could track it. She admitted to me that my loan was processed very poorly and there was no excuse for the runaround I got and assured me that their company motto, "the Customer is Always First" really was true.

Today is July 21, Saturday.  As of yet I have received no email confirmation that my check was mailed and furthermore, I did not receive any refund of the $318 that the dishonestly charged me for.   I thanked her for calling me and I thanked her for agreeing to refund that money to me.   Sadly, it is looking more and more that this company just can't keep a promise.  They seemingly will say and do anything without regard for the consequences of what they say.    I was very happy as that money was sorely needed for my family, which I stressed to Ms. Mohr.   It is amazing that the number one thing I told her was wrong with their company were the many times people promised to do something and just did not do it.   They talk and talk, but in the end they don't follow through.

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