Report: #340064

Complaint Review: American Financial Resources - Denville New Jersey

  • Submitted:
  • Updated:
  • Reported By: Gainesville Florida
  • American Financial Resources
    273 E. Main Street
    Denville, New Jersey
    U.S.A.

American Financial Resources Doubled Closing Costs and 4 months to close Denville New Jersey

*Consumer Comment: Has This Problem Been Resolved?

*UPDATE Employee: company response

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I applied to AFE for a mortgage on November 15, 2007. It took them 4 months to get to closing. The Good Faith Estimate of closings costs was over $8,000, but at closing they had switched GFE's, and the closing costs were $15,000! They won't give me a copy of my appraisal. Richard Dubnoff, CEO, is a real jerkoff - they are unethical and dishonest, taking over half a person's equity for their 'fees'. Stay away from these scum-suckers.

Sylvia
Gainesville, Florida
U.S.A.

This report was posted on Ripoff Report on 06/13/2008 02:49 PM and is a permanent record located here: https://www.ripoffreport.com/reports/american-financial-resources/denville-new-jersey-07834/american-financial-resources-doubled-closing-costs-and-4-months-to-close-denville-new-jers-340064. 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 Consumer Comment

Has This Problem Been Resolved?

AUTHOR: Bman - (United States of America)

If not here are some suggestions. Please note that I found this site when doing research about loans in my area using a government website, and found two out of three companies represented had many RIPOFF REPORTS. This is one with 12 pages of complaints. The one lending business that did not seem to have any complaints is Integrated Financial Group, Inc. The worst was QUICKEN LOANS with 15 and growing, in which I was suckered out of a $500 deposit. At QUICKEN they take deposits as a standard course of business and it is a huge financial windfall for them. They also do what is called bait and switch and the lock in runs out since they pass the loan around so much the time runs out. They do not return deposits. Check this out on this site and see how common this problem is with this noxious company. If you are still annoyed then here are some suggestions for a positive outcome for your complaint:




Contact Your United States Senators




 




Every state has two United States Senators. Senators are elected on a state wide basis and represent your entire state in Washington D.C.. Your United States Senators have enormous power and enormous influence. A simple letter or phone call from a U.S. Senator's office can move mountains. Every United States Senator has an office that deals with constituent complaints involving a number of issues -- every problem imaginable are handled by your United States Senators' office. Plus, they want to get re-elected and they serve their voters not the business.




http://www.senate.gov/




 




Contact Your United States Congressman/woman




 




Unlike Senators, your state has anywhere from one to over 50 United States Congressmen/women. In your congressional district, you have ONE United States Congressman/woman. Like Senators, members of Congress deal with a huge amount of voter problems -- you name the topic, and they can and will help you.




https://writerep.house.gov/writerep/welcome.shtml




 




Contact The United States Department of Justice




 




The Department of Justice is the federal government's chief law enforcement agency and prosecutorial office.




http://www.justice.gov/




 




And my favorite:




Contact The Federal Trade Commission (FTC)




 




It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy. The FTC pursues vigorous and effective law enforcement; advances consumers interests...




This is the agency that companies fear.




http://www.ftc.gov/reports/index.shtm




 




Contact The Securities and Exchange Commission (SEC)




 




This agency regulate all companies that are trading stock publicly. They also are very concerned with companies who engage in fraudulent activity which might manipulate their stock price and give investors a false picture of the truth of a company's heath.




http://www.sec.gov/complaint.shtml




 




Contact The Internet Crime Complaint Center (IC3)




 




Report the offending company to this feared and effective government task force. Your aim here is to highlight the criminal and fraudulent nature of the companies activities. You must be able to detail how they wronged you and stole your money.




http://www.ic3.gov/complaint/default.aspx




 




Contact The Council of the Better Business Bureau




 




The Better Business Bureau is another group that many businesses need to answer to -- first it has enormous influence and second, many businesses are members. Since it is paid for by businesses it may not be as effective as the government agencies that are created to protect you.




http://www.bbb.org/




 




Contact The National Consumer Law Center




 




"The National Consumer Law Center (NCLC) is the nations consumer law expert, helping consumers, their advocates, and public policy makers use powerful and complex consumer laws on behalf of low-income and vulnerable Americans seeking economic justice.




Todays consumer marketplace is complex and full of potholes, even for those of us with all the necessary skills and advantages. For unsuspecting low-income consumers its far more treacherous - even the smallest misstep can lead to financial ruin and a sense of hopelessness that paralyzes individual progress."




http://www.nclc.org/




 




Contact The National White Collar Crime Center (NW3C)




 




They will help you with filing a complaint against the company showing you how to do it and provide other resources. White collar crime is a term coined for something that many businesses engage: it is fraud and outright theft committed by those wearing a white shirt and tie to work everyday.




http://www.nw3c.org/overview/what_we_do.cfm

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#2 UPDATE Employee

company response

AUTHOR: American Financial Resources - (U.S.A.)

American Financial Resources, Inc has been helping people with their home financing needs for over ten years. Our great company has already funded over a half-billion dollars to happy clients this year alone. As one of America's top 30 FHA lenders we take all complaints very seriously. Our goal is to provide the best financing for our clients. As in any business, a few complaints will arise when dealing with thousands of clients a month. Please consider the sheer volume of loans when evaluating our company's services. With over 250 employees and 100 loan officers, honesty, integrity and understanding has helped American Financial Resources, Inc not only survive but thrive during these tumultuous economic times.
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