Sanctuary Capital Group Sanctuary Modification Services Dishonest, illegal tactics, steer clear of them!!!! Lake Forest, California

OK, I agree that this shop did not do you right.  But come on!  Where does your responsibility as the consumer begin?

You tell us that after one month, the front tire was bald.  So, you are not willing or able to inspect the bike you are going to entrust your own life to?  If the tread was that poor on the front tire, you should have noticed it before you ever got on the thing.  YES, they did you wrong by charging for services they even admit they did not provide, but YOUR SAFETY is at issue here.  Why would you not look it over yourself?  I first got on a bike more than 25 years ago myself.  ESPECIALLY when getting on a bike for the first time, you ALWAYS check the thing out.  Look for signs of wear or abuse.  Make sure that everything works.  Why would you not do this? 

I hope the shop gets you some satisfaction, but there's a reason why "buyer beware" exists in this country.

Been a while since I have looked into these folks.  Rest assured, though--Sanctuary Capital Group is alive and well.  Not legally, but alive and well. 

 Here is a link to CA's Secretary of State website. 

kepler.sos.ca.gov/business/

You can use this link to check for business licenses for CA domestic businesses.  Sanctuary is a CA domestic business that USED to have a business license, when they called themselves "Sanctuary Modification Services".  Their business ID # was C3184564 and you all can search this yourselves.  This business entity was dissolved officially as of August 10, 2012.  But do not forget now, this is the same exact group of people, with the same exact employee names, the same exact phone number, even the same physical address...as Sanctuary Capital Group, which is the name they do business under today. 

SMS website is modsin1.com

SCG website is sanctuarycapitalgrp.com

Look on those websites.  The same phone number is on both....877-663-7461.  Notice that even though SMS was dissolved a year and a half ago, they still maintain the website and you can click on active links that still work.  When I was dealing with my mess, I was able to check the client login on both sites and it took me to the same place.  Even today, if you pull up both websites and click on the "client login" tab on each one, they both take you to the same 1877modsin1.com page.  These folks are trying to skirt around the law and their business practices, changing their name when they began to receive complaints and hiding behind a new one. 

Something else to check--Sanctuary Capital Group, the current business name, is NOT FOUND in the CA sos businesses database.  This means that they do not possess a current business license in CA.  From the looks of things they never did under this new name.  So, if you choose to do business with Sanctuary Capital Group, beware...you are dealing with an illegal business that is not even licensed to conduct business in CA, where they are located, let alone business in whatever state you live in.  This is not a company that you should trust with your money!  Also, remember that CA law does not allow SCG to charge you ANY MONEY until their work is 100% complete.  I wish I had known that when I tried to do business with them.  I was at least able to obtain a refund, but I see someone else on this website has not.

On a final note, do not believe Judi White's claim above, that they have "NEVER" had negative feedback about them on any of these websites.  There are some on here.  There are some on Trustlink under their old name.  And I just found one on Scambook, which you can search out by checking that site for Sanctuary Capital Group.  Definitely a shady bunch, do NOT risk the loss of your home by losing your money to these folks!

So, "Lisa W.", is it?  Or is it "Lisa R."?  That's strangely odd there, Lisa.  You did not have to "lie", and yet we see you doing it right now?? 

Over on trustlink, we see this:

http://www.trustlink.org/Reviews/Sanctuary-Capital-Group-Inc-206389329

If you all scroll down you will find an entry made by "Lisa W." on 9/15/2011.  Something is a bit strange when you compare that entry to the one above here.  They look very similar indeed.  They both show that "Lisa" tried to work with her bank but they kept claiming that they never received paperwork that "Lisa" sent.  They both worked with the same Sanctuary rep, Amanda, which just so happens to be one of the guilty parties in my experience with them.  They both were trying to keep "their husband's parents' home".  In both cases, "Lisa" reports that her husband wrote to Amanda at least once a week.  In both cases, "Lisa" reports to us that they have continued to keep in contact with Amanda.  There are too many similarities for these reports to come from two legitimately different deals....yet "Lisa" apparently has forgotten what her last name is.  And before Judi or anyone else tries to chime in on this one, Trustlink deleted one of their feedback entries already because Judi herself wrote it.  This is undisputed fact, that Judi has admitted to. 

"Lisa", even if your tale is correct, it does not change the proof I have of their wrongdoing.  I was specifically told to lie to my lender.  They wrote it in emails, for cryin out loud!  They were not too concerned with even trying to hide the point.  I have Judi White, the boss lady over there, on tape, admitting that they really dropped the ball on this one in so many ways.  She admitted the problems I had with the log-in, even though she lied in her rebuttal up there.  She admitted that I was not kept in the loop.  She admitted that I should have been contacted way more than I had been.  She admitted that she was very concerned about her people instructing me to lie to our lender.  I have all of this on tape and in emails, and should anyone need to see proof, I am happy to provide it. 

Lo and behold, this week another complaint has surfaced in here about this company.  Anywhere else in the business world, it is a criminal act to commit fraud on a scale such as this. 

We worked with Amanda at Sanctuary and have nothing but GREAT things to say about her and this company in helping us to obtain a loan modification on our home.

We were at our ropes end with working with the bank.  We constantly would send over our papers to them and they would constantly call us the next day or later that night, saying that they never received any of our paperwork.  We had started 3 modifications on our own and received denials from the bank...

So, when Amanda and Sanctuary called us, we instantly had a feeling of relief.  We would simply email her or fax her our papers and wouldn't have to deal with the bank themselves.  They corresponded with the bank for us and always kept us up to date on what was going on. 

Of course, we had friends who used "other companies" similar to Sanctuary and would never receive any types of updates, only either a denial or approval, so my husband was writing to Amanda AT LEAST once a week and asking for an update as to what the status of our claim was and what was going on.  He wanted to be informed every step of the way and felt that in order to make sure that you get results, even though you have hired someone else to "do the job for you," you still have to take an active roll in helping to save your own home!

We have always enjoyed working with Amanda and she has always kept us informed and up to date and let us know when she did or did not receive any work that the bank needed right away. 

We finally did get approved on our loan modification and it was because of Amanda and Sanctuary Capital Group! We couldn't have done it without ourselves (obviously, we had already been denied!!!) We never had to "lie" about who was making what in the household or any other information, they only wanted what was really happening so we could get a fair loan modification!

We thank Sanctuary and Amanda everyday for everything that they did to help us keep my husbands' parents home still in the family!!!  And we will still periodically get an update from Amanda about how things are going for her and she will still ask about us!! I love the personal experience that we get from her and everyone that we have had to deal with at Sanctuary!!!

First off, all you got from reading my post was that I supposedly didnt hear from the company?  So, you ignored all the lies in their notes? 

Look, lady, even if your experience is real and legit, it has no bearing on the way I was treated.  I used their own notes to show them to be dishonest.  Nothing you claimed about your "experience" changes the fact that their own notes and emails in my case prove them to have been quite dishonest. 

I also find it rather interesting that you claim to be from CA, because this company is not even licensed to do loan modifications in CA in the first place.  They are registered as a corporation but they are not licensed to do loan mods.  And whatever you had to say, you certainly didnt need to say it twice in a row....

At the end of the day, your post ignores what was said and adds zero value to this discussion.  Have a nice day.

The only thing I got from all of this above was that he said he got no response from the company? Well it looks to me like he did. Just a little about me: I actually had a successful loan mod with this company awhile back even though I was doubtful at first. I live in an expensive area in CA and thought because of my area there was no way my lender would do anything for me. Judi was more than helpful when I had my doubts and actually we became friends out of what I thought was the worst time in my life and now go to church together! She really did help me and was honest with me. It did take awhile but it did work out. I'm really sorry Judi that just because 1 person had a bad experience they had to write your name all over the internet for it instead of working it out with you. I know that what you do is hard! But we needed you. 

Thank you again Judi. -Pattie F. :-)

The only thing I got from all of this above was that he said he got no response from the company? Well it looks to me like he did. I actually had a successful loan mod with this company awhile back even though I was doubtful at first. I live in an expensive area in CA and thought because of my area there was NO WAY my lender would do anything for me. I was convinced they wanted to take my house back. Judi was more than helpful when I had my doubts and actually we became friends out of what I thought was the worst time in my life. They really did help me and were honest with me. It did take awhile but it did work out.

Thank you again Judi. -Pattie F. :-)

Wow....I guess I shouldnt be surprised to see this from you, Judi.  I must say, I do not appreciate you posting my wife's name or the name of my lender here, as those kinds of things typically would fall under private information.  But we'll discuss that in more detail later on....and what we are going to do about it.

First, let's start with the documentation.  I NEVER held up on providing you one single document aside form the employment statement....and I already explained to you why that was.  Your company KNEW my wife was employed--you asked for, and received in timely fashion, her paystubs!  And THEN, you send me an email asking for a letter stating that my wife does not work!  You claim you have emails??  Then PLEASE--post up the emails I sent to Nicole White, asking her what kinds of issues it would cause for them to knowingly ask us to lie about my wife's employment status!  PLEASE DO post these, Judi--post the one where Nicole White--according to you "your most seasoned" account rep, responded to me that as long as my wife's income didnt show up on the bank account statements, that it would be no problem!!!!  WHY LIE???? 

Here are a couple of entries on YOUR OWN NOTES--which means YOUR EMPLOYEES made these notes:

01/06/2012 (09:33:58)
email has been sent to borrwer requesting documents.

01/10/2012 (15:57:21)
Received all requested documents:
- hardship letter
- bank statements
- letter stating no tax returns filed

file to scg negotiator for review and submission.

--Now, Judi, WHY LIE?  YOUR OWN NOTES show that I sent you "all requested documents" within 4 days of your request!!!  BUT THEN--your staff posted this:

01/23/2012 (14:02:47)
Spoke to Mr. XXXXXXXX(me), he advised that he received a letter stating that he was denied due to lack of documents. I advised that it was no issue and that we still needed PNL and current bank statements.

Judi--How could you have had all current requested documentation on 1/10, but then 13 days later youre still waiting for bank statements??  I DID inform you people that there would be no bank statements available until first week of the next month!  So, thanks for lying to try to cover your butt--sadly, it will not work for you.

At this point, Judi, youre really digging a hole for yourself..

Second, you have "many emails"??  Then PLEASE TELL THE TRUTH about my log-in access to your website!  PLEASE TELL THE TRUTH, JUDI, about. how many times I had to bug you guys, in phone calls AND in emails, before I could see ANY notes in the system?  Tell everyone here about how you guys had to create a NEW log-in for me on May 9, 2012 because the original one you created did not work!  Your people FULLY KNEW I could not see any notes, and I have the emails to prove it, as well as the recorded phone calls....would you like to hear the tapes from those calls, Judi?  My favorite one is where you ADMITTED TO ME that SO MANY THINGS WERE HANDLED WRONG ON YOUR END OF THIS DEAL.  And NOW, you come in here lying about what took place?  How are you going to pop in here and talk about how I had a log-in way back in January when you know FULL WELL that I could not access anything on it?!?  You KNOW that wasnt the end of the log-in issue, so how are you going to pretend that I lied about that?  Note how I never claimed not to have received any password??  I DID, and I posted on here that I did.  But then I told what REALLY happened--how the log-in showed NO updates in notes at all!  For FIVE MONTHS I hounded your people constantly about why I could not see any notes--post the emails, Judi!!  YOU ADMIT TO HAVING THEM, so why try to cover it up now?

Third, yes, you asked me to sit tight for 30-45 days....but you failed to tell what else you said.  Remember on the phone that day, Judi, when you feigned OUTRAGE with me over the fact that one of your people told me to lie to my lender?  Remember that?  You went as far as to say that you were going to have meetings with your whole staff---that this was, in your words, a "TRAINING ISSUE"??  And then, after telling me how DISGUSTED you were at that situation, you STILL asked me to allow you to lie to my lender for another 30-45 days so you could earn your money???  Clearly, you were not THAT disgusted, if you wanted to allow it to continue!  You want to keep lying, Judi??  I have the phone calls and emails, I have the recordings....do you REALLY want to press your luck with me?  I have all the screen shots--I took video of the whole log-in process on your website so I can prove that the notes came from your site!  I have this fully documented, Judi--so why lie about it now??

Fourth, let's discuss the denials.  You claimed it was because I did not provide documentation to you throughout this process.  WRONG!  And the emails and calls again prove it.  When you claimed that I had not provided bank statements at one point, I informed you it was because the bank statements you asked for DID NOT EVEN EXIST YET.  You had the most current ones that were available!  You claimed that my lender denied me because of those bank statements--again, dont lie, I have the recordings--and that it was a catch-22 because you KNEW they were not even available until the first week of the next month!  And while we are talking about the lender, let's discuss the fact that my lender denied me both times NOT because of an employment document--but because they did not receive ANY documents from you.  NONE.  ZERO.  I asked you why that was, and you lied again!!!  You claimed to me that you could not submit single documents--that they all had to be submitted as a package.  BUT WAIT--when I was finally able to see notes on May 9, your staff had listed notes like the following:



03/20/2012 (12:20:39)
Per Marcos Sierra in loss mitigation, advised that the following documents are still being requested:
- letter re. wife employment status
- current bank statements
- letter re. no tax returns

email sent to John.

If you look back to the other note I posted from 1/10, you would see that Sanctuary already received documentation that they were now asking for, claiming they had never received!  YOU ADMITTED to receiving it!  And then, Judi comes in here and lies, claiming that I did not provide these things!

Also--

03/27/2012 (15:11:15)
FAXED THE REQUETED DOCUMENTS TO THE BANK.JMW
" BANK STATEMENTS ( FEB - MARCH)

How could this happen, Judi?  How could I have you on tape claiming that you could not fax individual documents to the lender---that it all had to be sent as a package??  And yet there is more than one instance in the notes where your submissions people sent over a single document or a couple of documents at a time to the lender!!  wow....

Yes, Judi, you do not have reports on here--and....?  LOTS of bad companies do not!  You have positive feedbacks on trustlink---and at least one of them was posted by YOU!  Trustlink removed it, because that is against their policy!  So, Judi, let's not pretend that it matters that you probably had your staff sign up a bunch of fake names....ANYONE can sign up an account there and post whatever they like--but NOT EVERYONE has recorded phone calls, video of your website login, screen shots of said logins, and every email saved.  I DO.  I find it strangely odd that you make no mention of when you demanded payment from me--in direct contradiction of California State Law as well as your claims on your own website.....yes, I got a screen shot of that too!

Here you go, Judi--let's stop pretending that you never have had complaints....

http://www.trustlink.org/Reviews/Sanctuary-Modification-Services-Inc-205983450

Note the address being almost identical--only a different suite number, and note the web address.  If you go to that modsin1 web address, you will find the same exact toll free number--877-663-7461--as you find on Sanctuary Capital's website, so there's no doubt that they are one and the same.  But when people post negative comments about their dealings with this company, their log-in notes are doctored to reflect things that never took place.  Case in point--Judi claimed in her rebuttal here that "Please keep in mind Sanctuary Capital Group had worked on his file for 5 months with an approval that needed to be confirmed with supporting documentation, (that we never received from the borrower), and was still willing to give him a full refund."

Note this now--how in the world could you claim that you NEVER RECEIVED the documentation from me, and yet at the same time post on my notes that a final mod approval was secured??  JUDI.....YOU'RE LYING.....you're hanging yourself out to dry with this nonsense!

Finally, you spout off all self-righteous about how this website should not be allowed to post this material.  I can prove EVERYTHING I mentioned here.  If anyone would like to verify this, they can contact me personally.  My email cannot be posted here, but if you go to Trustlink and search for questions about this company, you will see it in my comments there.  Feel free to use it--a couple of people already have.  Judi, you have been VERY dishonest in this posting.  VERY dishonest.  And I can prove every scrap of it.  You claim you have no negative postings on the internet??  How about the trustlink postings under your company's other name, Sanctuary Modification Services?  Funny how that is the name you used up until last year, when you briefly used both for a while....even so, I noticed that SMS still operates, with phone numbers that take me right to the same employees that I spoke with at Sanctuary Capital.  The addresses are in the same building.  The old SMS website still works.  Heck, even the log-in page on your current Sanctuary Capital Group website says "Sanctuary Modification Services" at the top left corner!  And you pretended to me on the phone on May 9 that you take your business very seriously....?  You got plenty upset in claiming that all the people who complained about you even under the old name all got modifications!  Which brings me to this last point to ponder....these are two entries from my log-in that I received on May 9, 2012 from Amanda.....

05/09/2012 (12:19:13)
Per Rick in loss mitigation, confirmed that the package was received on
5/4/12. File is being reviewed for modification but they need the
financial worksheet. Once it is received, it will go into the review
team queue. file to submission to send financials.

AND--

05/30/2012 (13:38:18)
**SCANNED DOCUMENTS**
(SEE SHARE DOCS-MODIFICATIONS)

SCG CONTRACT DATED FOR 12/29/2011
PAID $2500.00 by (ACH)
$2500.00-1/3/2012

APPROVED FOR A FINAL MOD ON 5/4/2012. THE TERMS WERE INPUTTED INTO SX3 ON 5/9/2012. NO MOD DOCS ON FILE.

--NOW, let me ask you two questions...

First, when I checked your system on 6/1/2012, there was no note entry for 5/30/2012.  Funny how that didnt show up until later...? 

Second, and this is the big one....how are you going to input into your system that I was approved for a mod on 5/4/2012, when YOUR OWN NOTES show that on 5/9/2012, the package was under review, the financials were not sent to my lender yet, and once they were received the package would go into the queue for review??  ON MAY 9 YOU POSTED THAT THEY STILL DID NOT HAVE ALL THE DOCUMENTATION FROM YOU, AND THAT THE FILE WAS STILL UNDER REVIEW PENDING RECEIPT OF THE FINANCIALS....SO HOW COULD YOU LATER CLAIM THAT FIVE DAYS PRIOR TO THAT DATE THE MOD GOT FINAL APPROVAL?  It simply could not have--they didnt even have all the documents from you on that date!  On 5/9, you noted in the system that submissions had to send the financials, but magically you now claim I got a final approval five days before?? 

I sure am glad that I have all of this documented....Go on, lie some more about me, Judi....see how far it gets you.


Jon

It is with a heavy heart that I am responding to Jon, from Vacherie, Louisiana, USA's complaint. After four years in an industry not known for standing by their word, Sanctuary Capital Group has done so in both word and deed and NEVER a complaint on Rip Off Report or any other derogatory reviews site. By this customer's own admission, the BBB and Trustlink shows us with over 30 plus positive reviews! Believe me, this is not an easy task! We appreciate our customer's taking time out of their busy day to create a login and password and actually put a glowing report! That is, EXCEPT for this same customer that has complained on both reporting agencies. Now, let's go into some details. Please see attached, an excerpt from my rebuttal on Trustlink after Jon put a negative review blaming Sanctuary for his modification denial, when in fact, even he admits "this second letter was partially my fault, because I kept them waiting for one document." The truth is, Sanctuary was hounding HIM to receive the documents since the onset, so that he would receive his final modification documents! Please see proof below:

In response to your concerns, let's start with the most important item, the fact that you are stating that your bank denied you a modification due to documents not being received in a timely manner. Please see the 2 most recent email trails (below)from Amanda dated April 13, 2012 and April 20, 2012 requesting documents from you on several occasions to the point that she stated that we would have to close out your file, if not received. Furthermore, a secondary email from Amanda informing you that the bank had closed out your file due to the fact that you did not send us the necessary documentation (requested) by the bank:

From: Amanda Sent: Friday, April 13, 2012 11:47 AM
To: 'John Subject: RE: Letter
Mr. B, 
After speaking to the bank today, they have denied your case due to missing documents. They need the letter from Kamie stating that she has no income. We are able to re-submit but please be advised that this will be our final attempt to assist you because it was your delay in furnishing documents that cause your denial. Please send me the following documents to put your file back in review:
- Kamies letter stating she is receiving NO income
- Marchs bank statements
Once received, documents will be submitted to put your file in review. Please send these documents ASAP to prevent any further delay

From: Amanda Green 
Subject: FINAL REQUEST: Letter
To: "John 
Date: Friday, April 20, 2012, 2:50 PM
Mr. B, 
I contacted you last week in regards to documentation that was needed in order for us to re-submit your file. I have not received any documentation and your file is still closed. To prevent the full closure of your file, please send the following documents no later than Wednesday, 4/25/12:

This is just a couple of the MANY emails we sent requesting documentation that was not sent in a timely manner.

Furthermore, In response to the accusation that we did not send on his log in and password, so that he could check weekly updates on his file, please find the following email sent on January 6, 2012:

--- On Fri, 1/6/12, Amanda Green <amanda@sanctuarycapitalgrp.com> wrote:

From: Amanda Green <amanda@sanctuarycapitalgrp.com>
Subject: Sanctuary Capital Group
To: jbo
Date: Friday, January 6, 2012, 12:06 PM
Hi John and Kamie,
I have received your file for processing and it appears that we are in need of updated documents.  Without these updated documents, we will not be able to move forward with your file.  Please send the following documents to my attention:
                                                                                    
- Current utility bill
- Hardship letter, in letter format please see above authorization
- Current proof of income (Profit and Loss for past year)                                  
- Current bank statement for December, for all accounts               
- 2010 tax returns, all pages with 2nd page signed
 
 (all attached documents do not require that you fill it out, we will do that for you. We need for you to sign where indicated)
 
 Please send to the following fax number, 949.264.1443 or 877.663.7461.
 
To get updates on your file please refer to our website: www.sanctuarycapitalgrp.com, click on client login, then click on the file folder.  Please keep in mind that it takes up to 24 hours to update our systems, so your information will not be posted yet. Updates will be provided no later than Friday of each week.  If you have any other questions or concerns, please feel free to contact me at 949.264.1443 or Toya Williams at 949.264.1543.  Below is your login information.
 
Website (email) Login: jb (all lower case) (Last name taken out for privacy purposes)
       Password: borrower1
 
THANK YOU for your COOPERATION!!!

I would like to state, that as a principal of Sanctuary Capital Group, we stand by our word and have maintained our integrity by treating our customers with the respect and concern they deserve. Even though I have many more emails and documents to prove my position correct and without reproach, when I was contacted by Jon, I gave HIM the option in our FIRST conversation if he would like to continue with our service for 30-45 days or receive an immediate refund. Please keep in mind Sanctuary Capital Group had worked on his file for 5 months with an approval that needed to be confirmed with supporting documentation, (that we never received from the borrower), and was still willing to give him a full refund. To clarify the point that HFC does not give permanent modifications, what they do is give 6-18 months temporary modifications and if you pay on time they roll it over to a 30 yr plan, which was explained to the customer. This was not a case of "having us over a barrel" as we had supporting documents to prove our validity, but, more of listening to our customers and meeting their needs.

A refund was given the same week requested and still this customer thought that we were trying to rip him off? It was actually a case of "Caveat Venditor" Seller Beware of the customer, not the other way around.

Furthermore, RIP OFF REPORT allows anyone to say anything whether it is true or not and claims it is immune from liability due to a federal law known as the Communications Decency Act. This law says that websites are not liable for the content posted on their websites by third parties. Unfortunately, the law  protects websites like Ripoff Report that refuse to remove illegal content even after receiving notice that certain content posted on their sites is false, the original author of the offending content requests its removal, or a court of law declares the report defamatory. BUT, get this!! Find the following blatant extortion option right off the RIP OFF REPORTS website to pay $2,000 for an "arbitrator" that will "remove" untrue statements but only AFTER you pay $2,000?!! Wow! Statement directly from RIP OFF REPORT website:

"We have contracted with private arbitrators who have extensive experience, including experience as judges in court. Once the program builds momentum, we will add other highly qualified arbitrators to our panel. You submit a written arbitration statement identifying the false statements in the report, or explaining that the report was posted by a competitor pretending to be a customer. You are also given the opportunity to support your position with documentary evidence and/or sworn affidavits. There is a filing fee of $2,000 to pay for the arbitrators time and for administration of the program. The author of the report is then given the opportunity respond and you are given the opportunity to reply."

The best I can ask is after reviewing all the evidence, you make your own informed decision. Sanctuary Capital Group is a company I can say I am proud to be a part of and I can sleep at night knowing how many people we have helped save their homes but even more, the friends we have made along the way. I don't even mind if you call me personally, we can go over any questions or concerns that you may have at 949-264-1473. Thank you or your time and consideration in reading this through. If we can't remove slander from this website, the best we can do is shed light on what really happened. We wish you the best of luck in your quest to save  your home and hope that you give us the opportunity to serve you!

Respectfully,

Judi White
Sanctuary Capital Group
949-264-1473 ===================== COMMENT FROM Ripoff Report about the false statement above. The author of the Rebuttal knows better / complaints are NOT REMOVED from Ripoff Report no matter what an arbitrator says the statement made about Reports being removed is absolutely false. Ripoff Report has always had a uniform policy to not remove Reports. History shows, our policy is the best and benefits everyone. Statement of FACT, (not words of opinion) are (((REDACTED))) if the arbitrator finds the specific words or statements are found to be false. Read more about the Arbitration program here http://www.ripoffreport.com/Arbitration.aspx