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Report: #1506178

Complaint Review: On Time Lending - Dallas Texas

  • Submitted:
  • Updated:
  • Reported By: Paula — Dallas Texas United States
  • Author Confirmed What's this?
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  • On Time Lending 14850 Monfort st Dallas, Texas United States

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I first spoke to Bradon Davis in October of 2020 about getting a home loan. He seemed very knowledgeable and said he could get me approved even though my credit was not all that good. I gave him all my information and a week later he calls to congratulate me on my pre approval. He told me to start looking for a home and said I just needed to do a few things to improve my credit. 

I began my home search and after a couple months of searching I find the right house. My realtor submits my offer and is approved so i then called Bradon. Bradon says no problem and will get me a quote on the loan numbers right away. He sends me the loan numbers and everything looks good. Bradon requested more documents and says his lender will send me final loan quote to sign off on.

3 weeks go by until Bradon's lender sends me the final numbers. Upon reviewing the final numbers there is a $20,000 broker/underwriter fee that was not disclosed previously. I immediately call Bradon about this and he tries to say he had told me about this fee before even though it was not listed on the original quote he had sent me. 

So now with no time left before my closing date I have to decide to pay this con artist Bradon $20,000 to get my loan done or backout on the home, lose my earnest money and all the time i spent trying to get this home.  It was a difficult situation to be in , but ultimately i had to back out of the deal. The worst part was letting my family down after getting them excited for months that we would be out of an apartment and into a house.

Bradon Davis and On Time Lending are a complete fraud and target hard working people in the black community. 

This report was posted on Ripoff Report on 03/18/2021 12:31 PM and is a permanent record located here: https://www.ripoffreport.com/report/time-lending/dallas-texas-brad-davis-bait-1506178. 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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REBUTTALS & REPLIES:
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2Employee/Owner

#3 Consumer Comment

They won't answer the phone

AUTHOR: Allie - (United States)

POSTED: Monday, March 22, 2021

They will keep posting their phone number and how they are willing to help, yet they will not answer the phone. REFUND THE PEOPLE YOU SCAMMED THEIR MONEY BACK!

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#2 REBUTTAL Owner of company

Category: Home Mortgage, mortgage, Mortgage Brokers, Mortgage Companies, Mortgage company , mortgage lending On Time Lending Bradon Davis Bait and Switch on Mortgage interest & Fees Dallas Texas

AUTHOR: Bradon - (United States)

POSTED: Thursday, March 18, 2021

Hi Paula Norris,
We always appreciate our customers' reviews; however, we cannot find you in our loan system. On Time Lending, LLC is African American-owned and an equal opportunity company. We take your allegations against us very seriously! Are you sure you are a customer of ours? No one here has any correspondence from you. We are asking because we can't charge more than 2.75% of your loan amount.

It is against the law! We are very sorry you've had the experience you had with whomever you were doing business with. Additionally, the company owner does not have any emails from you, did not pull your credit, or anything. We would love to know more about the loan officer you were working with. We invite you to give us a call and see if we can do better than they did. Our number is 469-375-0785.

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#1 REBUTTAL Owner of company

Re: On Time Lending Bradon Davis Bait and Switch on Mortgage interest & Fees Dallas Texas

AUTHOR: Bradon - (United States)

POSTED: Thursday, March 18, 2021

Hi Paula Norris, We always appreciate our customers' reviews; however, we cannot find you in our loan system. On Time Lending, LLC is African American-owned and an equal opportunity company. We take your allegations against us very seriously! Are you sure you are a customer of ours? No one here has any correspondence from you. We are asking because we can't charge more than 2.75% of your loan amount.

It is against the law! We are very sorry you've had the experience you had with whomever you were doing business with. Additionally, the company owner does not have any emails from you, did not pull your credit, or anything. We would love to know more about the loan officer you were working with. We invite you to give us a call and see if we can do better than they did. Our number is 469-375-0785.

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