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Report: #242676

Complaint Review: Amerisave - Atlanta Georgia

  • Submitted:
  • Updated:
  • Reported By: Garden City South Carolina
  • Author Confirmed What's this?
  • Why?
  • Amerisave amerisave.com Atlanta, Georgia U.S.A.

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Similar to the other complaint, we asked Amerisave for a free mortgage quote and their loan advisor Chris Mullis took down our credit card number for identification purposes and for "future reference." When we told him we were not interested in their quote, he immediately charged our credit card $395.

When we first spoke to Chris, he assured us there would be no charge for the initial quote. We did not sign or apply for anything--all we did was to provide Chris some initial information over the phone.

We received an email on 3/9/2007 from Chris with a quote; the quote was wrong--it was not for the type of mortgage we requested and the loan amount was incorrect. He was quoting an ARM mortgage, not fixed as we requested, for the wrong amount. My husband called him and told him immediately we were not interested in doing business with Amerisave. He did not tell my husband that he planned to charge us. The same day Amerisave billed our credit card $395!

My husband left numerous telephone messages between 3/10 and 4/5 for Chris telling him we were not interested and to please credit our card. He never called us backed us during this time period. On March 23, we received an email from Chris Mullis saying that our loan had entered processing! We never gave permission for this!

During the weeks when we were trying to reach Chris, we also left voice mail messages for various managers referred to us by the receptionist regarding our complaint and none of them called us back. It wasn't until today 4/6 that Chris picked up his phone directly. We were calling with our bank manager on the line to have the charge reversed. Chris told my husband he could not give us a credit and to leave a message with his manager, which we did. The manager still has not called us back.

We have requested that our bank reverse the charge to our credit card. We plan to contact their headquarters, the Better Business Bureau, and plan to contact other agencies that can prevent this type of fraudulent behavior from occuring again.

Cathy
Garden City, South Carolina
U.S.A.

This report was posted on Ripoff Report on 04/06/2007 11:10 AM and is a permanent record located here: https://www.ripoffreport.com/reports/amerisave/atlanta-georgia/amerisave-mortgage-ripoff-charged-395-fraudulent-fee-for-quote-when-we-told-them-not-in-242676. 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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9Consumer
4Employee/Owner

#13 Consumer Comment

Question regarding your Rip Off Report

AUTHOR: Amy F - (U.S.A.)

POSTED: Monday, January 28, 2008

Can you please let me know if you actually received your funds? I was told that I would receive mine within 24 hours by a member of the board, and have yet to do so.

Thanks.

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#12 Consumer Suggestion

Jack you are the idiot!

AUTHOR: Bob - (U.S.A.)

POSTED: Friday, December 21, 2007

I think these people are in the bracket that use their brain, they were smart enough to get away from your company! If you have to charge $395 up front to force people into taking your loans then something is wrong and that should immediately bring up a red flag.

It's loan officers like yourself that has brought this industry to it's knees. Stop the baiting and switching and try being honest with people up front I promise you will be a better loan officer. But then again I don't expect loan officers like yourself to be in this industry much longer, the only thing you know how to do is rip people off. Here's a clue moron, try looking out for your clients best interest for once instead of lining your wallet and by all means don't come on a public site bashing a client because they made you look like an idiot. BE PROFESSIOINAL AT ALL TIMES!

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#11 Consumer Suggestion

Jack you are the idiot!

AUTHOR: Bob - (U.S.A.)

POSTED: Friday, December 21, 2007

I think these people are in the bracket that use their brain, they were smart enough to get away from your company! If you have to charge $395 up front to force people into taking your loans then something is wrong and that should immediately bring up a red flag.

It's loan officers like yourself that has brought this industry to it's knees. Stop the baiting and switching and try being honest with people up front I promise you will be a better loan officer. But then again I don't expect loan officers like yourself to be in this industry much longer, the only thing you know how to do is rip people off. Here's a clue moron, try looking out for your clients best interest for once instead of lining your wallet and by all means don't come on a public site bashing a client because they made you look like an idiot. BE PROFESSIOINAL AT ALL TIMES!

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#10 Consumer Suggestion

Jack you are the idiot!

AUTHOR: Bob - (U.S.A.)

POSTED: Friday, December 21, 2007

I think these people are in the bracket that use their brain, they were smart enough to get away from your company! If you have to charge $395 up front to force people into taking your loans then something is wrong and that should immediately bring up a red flag.

It's loan officers like yourself that has brought this industry to it's knees. Stop the baiting and switching and try being honest with people up front I promise you will be a better loan officer. But then again I don't expect loan officers like yourself to be in this industry much longer, the only thing you know how to do is rip people off. Here's a clue moron, try looking out for your clients best interest for once instead of lining your wallet and by all means don't come on a public site bashing a client because they made you look like an idiot. BE PROFESSIOINAL AT ALL TIMES!

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#9 Consumer Suggestion

Jack you are the idiot!

AUTHOR: Bob - (U.S.A.)

POSTED: Friday, December 21, 2007

I think these people are in the bracket that use their brain, they were smart enough to get away from your company! If you have to charge $395 up front to force people into taking your loans then something is wrong and that should immediately bring up a red flag.

It's loan officers like yourself that has brought this industry to it's knees. Stop the baiting and switching and try being honest with people up front I promise you will be a better loan officer. But then again I don't expect loan officers like yourself to be in this industry much longer, the only thing you know how to do is rip people off. Here's a clue moron, try looking out for your clients best interest for once instead of lining your wallet and by all means don't come on a public site bashing a client because they made you look like an idiot. BE PROFESSIOINAL AT ALL TIMES!

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#8 REBUTTAL Individual responds

ANOTHER HOMEOWNER FROM HELL

AUTHOR: Mark - (U.S.A.)

POSTED: Tuesday, December 18, 2007

Well it's like another homeowner that doesn't have a clue, and is complaining!! Amerisave has the lowest rates, fee of all the mortagage companies nationwide. You would be an absoulute moron to complain, or even shop for better loan. 90 % of homeowners in this country use there brain. 10 % don't. this borrower is in the 10% bracket!! if you think your going get a better rate by shopping on internet your just asking to be screwed . this homeowner is moron this loan should have been cancelled on day one!! what a waste of time talking to deadbeats howeowners that are just plain stupid!!


Jack Irvine CA

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#7 REBUTTAL Individual responds

ANOTHER HOMEOWNER FROM HELL

AUTHOR: Mark - (U.S.A.)

POSTED: Tuesday, December 18, 2007

Well it's like another homeowner that doesn't have a clue, and is complaining!! Amerisave has the lowest rates, fee of all the mortagage companies nationwide. You would be an absoulute moron to complain, or even shop for better loan. 90 % of homeowners in this country use there brain. 10 % don't. this borrower is in the 10% bracket!! if you think your going get a better rate by shopping on internet your just asking to be screwed . this homeowner is moron this loan should have been cancelled on day one!! what a waste of time talking to deadbeats howeowners that are just plain stupid!!


Jack Irvine CA

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#6 REBUTTAL Individual responds

ANOTHER HOMEOWNER FROM HELL

AUTHOR: Mark - (U.S.A.)

POSTED: Tuesday, December 18, 2007

Well it's like another homeowner that doesn't have a clue, and is complaining!! Amerisave has the lowest rates, fee of all the mortagage companies nationwide. You would be an absoulute moron to complain, or even shop for better loan. 90 % of homeowners in this country use there brain. 10 % don't. this borrower is in the 10% bracket!! if you think your going get a better rate by shopping on internet your just asking to be screwed . this homeowner is moron this loan should have been cancelled on day one!! what a waste of time talking to deadbeats howeowners that are just plain stupid!!


Jack Irvine CA

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#5 REBUTTAL Individual responds

ANOTHER HOMEOWNER FROM HELL

AUTHOR: Mark - (U.S.A.)

POSTED: Tuesday, December 18, 2007

Well it's like another homeowner that doesn't have a clue, and is complaining!! Amerisave has the lowest rates, fee of all the mortagage companies nationwide. You would be an absoulute moron to complain, or even shop for better loan. 90 % of homeowners in this country use there brain. 10 % don't. this borrower is in the 10% bracket!! if you think your going get a better rate by shopping on internet your just asking to be screwed . this homeowner is moron this loan should have been cancelled on day one!! what a waste of time talking to deadbeats howeowners that are just plain stupid!!


Jack Irvine CA

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#4 Author of original report

Update - Manager Will Reverse Majority of Charges

AUTHOR: C - (U.S.A.)

POSTED: Friday, April 06, 2007

We finally got a call from the manager Darla who was on vacation for 10 days. Today on 4/6, Darla agreed that Amerisave would reverse the $395 charge and would only charge approximately $40 for their expenses. She claimed that she has a telephone recording that my husband agreed to proceed with the loan.

We do not understand how a company could proceed on a loan application without signature and on the same day we clearly told them we were not interested in using their company, that the loan product was not what we requested. The advisor knew we were getting competing quotes from 3 different companies.

We asked her if she had copies of our emails and the voice mails that went unanswered between 3/9/2007 and 4/5/2007 and she said no.

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#3 Author of original report

Update - Manager Will Reverse Majority of Charges

AUTHOR: C - (U.S.A.)

POSTED: Friday, April 06, 2007

We finally got a call from the manager Darla who was on vacation for 10 days. Today on 4/6, Darla agreed that Amerisave would reverse the $395 charge and would only charge approximately $40 for their expenses. She claimed that she has a telephone recording that my husband agreed to proceed with the loan.

We do not understand how a company could proceed on a loan application without signature and on the same day we clearly told them we were not interested in using their company, that the loan product was not what we requested. The advisor knew we were getting competing quotes from 3 different companies.

We asked her if she had copies of our emails and the voice mails that went unanswered between 3/9/2007 and 4/5/2007 and she said no.

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#2 Author of original report

Update - Manager Will Reverse Majority of Charges

AUTHOR: C - (U.S.A.)

POSTED: Friday, April 06, 2007

We finally got a call from the manager Darla who was on vacation for 10 days. Today on 4/6, Darla agreed that Amerisave would reverse the $395 charge and would only charge approximately $40 for their expenses. She claimed that she has a telephone recording that my husband agreed to proceed with the loan.

We do not understand how a company could proceed on a loan application without signature and on the same day we clearly told them we were not interested in using their company, that the loan product was not what we requested. The advisor knew we were getting competing quotes from 3 different companies.

We asked her if she had copies of our emails and the voice mails that went unanswered between 3/9/2007 and 4/5/2007 and she said no.

Respond to this report!
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#1 Author of original report

Update - Manager Will Reverse Majority of Charges

AUTHOR: C - (U.S.A.)

POSTED: Friday, April 06, 2007

We finally got a call from the manager Darla who was on vacation for 10 days. Today on 4/6, Darla agreed that Amerisave would reverse the $395 charge and would only charge approximately $40 for their expenses. She claimed that she has a telephone recording that my husband agreed to proceed with the loan.

We do not understand how a company could proceed on a loan application without signature and on the same day we clearly told them we were not interested in using their company, that the loan product was not what we requested. The advisor knew we were getting competing quotes from 3 different companies.

We asked her if she had copies of our emails and the voice mails that went unanswered between 3/9/2007 and 4/5/2007 and she said no.

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