Nationwide Mortgage Concepts Beth Southern & Tom Hayes fraud, claimed to be a VA approved lender, collects personal information for purposes other than VA loans Kennesaw, Georgia

I wanted to provide a little information back to you regarding the concerns that you have about Nationwide Mortgage Concepts.Please allow me to address your concerns one by one:

Concern 1

It seems she could no longer help me because my credit scores obtained from some credit reporting agency I have never heard of located in Virginia were too low.When I first bought my home, the mortgage company and VA used the three consumer reporting agencies to get my credit score. They were good enough for the mortgage company to give me the loan for my home. And since then, they have steadily climbed upward.

Response to Concern 1

After personally reviewing your credit scores that come from the three major credit repositories (Experian, TransUnion and Equifax), you do not qualify to proceed forward with a refinance under our underwriting programs/guidelines.That is not to say that there are no other lenders who can help you accomplish your goal.Nationwide Mortgage Concepts simply does not have a program to fit your specific situation. We do apologize for this and wish you the best of luck in your efforts to find financing elsewhere.

As far as your previous financing goes, we cannot speak to the underwriting guidelines of other mortgage institutions or to how your credit may have improved since you purchased your home.All we can go on is the information provided to us via Credit Plus that comes directly from the three major credit repositories (listed above).If you feel that these credit repositories have incorrectly reported information, you would definitely need to talk with them to get this corrected.

Concern 2

I have repeatedly asked for the documents that I faxed to Beth Southern and she claims she has shredded them. I have no proof of this. I have had identity theft problems in the distant past and stated to Beth Southern this is why I wanted the documents back. My requests have been repeatedly ignored.

Response to Concern 2

I reviewed the email chain that you had with Ms. Southern and I am a bit confused as to your claim that your requests have been repeatedly ignored.I found the following:

You initially requested the return of these documents on December 22, 2010, which was the same day that we issued you the email that stated we could not proceed forward with financing

The same day Ms. Southern responded that she had shredded the documents that you faxed to her.

Again the same day, you responded to her that you were concerned that you had no proof that she had shredded the documents and then you went on to question the validity of our credit reporting source

Ms. Southern then (on the same day December 22) responded to your question about the credit source and its validity

The next day (December 23, 2010 at approximately noon EST) you reiterated that you still had concerns about these documents, you mentioned that you had contacted an attorney regarding the sending back of these documents and you stated you had been a victim of identity theft in the past, and you asked Ms. Southern to send back the documents.

Ms. Southern responded to you on Tuesday December 28 at 9:52 am EST indicating that she would send these documents back to you.The reason she did not reply any sooner is that she took December 23 through December 27 as Christmas holiday. (I have a copy of this entire email string in the event that you would like to review it).

So in summary, you initially asked for these documents on December 22 and she agreed to send them back to you (and physically sent them) on December 28, which was 2 business days (if you exclude December 24 as a holiday) after the day you requested them, and it only took that long because she was out of the office for Christmas.

To be clear, Ms. Southern did shred the documents that you faxed to her as she said she did.The reason that she was able to send copies of these documents back to you after she shredded them is that prior to her shredding the hard copy that she received from you via fax, she uploaded them (imaged the documents) into our loan system.Our internal process is to upload any hard copies and then immediately shred them.We are required by regulation to keep all documents associated with a loan application for at least 2 years.In addition, we hold our borrowers information in a secure fashion, compliant with government and industry regulations.

Again, thank for taking the time to inform us of your concerns.Please let us know if you have any further questions or comments on this matter.We wish you the best of luck.

Credit Plus is the name of the agency that Nationwide Mortgage Concepts claims they used to run an inquiry on my credit history. I sent them a letter requesting the information they had on me since I was denied a refinance. They sent me a letter stating that they were unable to investigate which mortgage company pulled my credit on their behalf due to no social security number provided and that their data base is so large it is almost impossible to identity which belongs to a consumer and to please forward my dispute to the three main credit bureaus(Experian, Equifax, Transunion) they listed in their letter.

I have never had any agency ask for me include my social security number in a letter. It has always been online or over the phone and then on the phone they only ask for the last 4 for security purposes.

I hope this helps someone else before they are promised something that won't materialize.

On 12/31/2010, I received all of the documents I faxed to Beth Southern and had requested back from her with regard to my home loan refinance. This was the very documents she claimed she had shredded. Go figure.