Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/24/2024

  Type:Service or Repair Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ****** ordered an appraisal through ******** of ******* Affairs, appraisal was completed and I was never paid by the lender. I have sent several emails along with **** of VA and they stated invoice would be paid. It has been 8 months and payment has never been recieved. I have attached invoice and letter from ******** of VA and will be also be submitting complaint to the Attorney General and Banking Commision.

• Initial Complaint

  Date:11/15/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Americas Moneyline collected $875 in appraisal fees from a Veteran & refuses to pay the appraiser. They will not answer the phone & will not respond to emails or voicemails.

  Business Response

  Date: 11/22/2023

  This is being investigated by the Company Controller and we should have more information for the Appraiser shortly.

   

  Sincerely,

   

  The AML Team

  Customer Answer

  Date: 11/22/2023

  AML has been saying they were investigating the matter for over 2 months. They have never updated the status or returned calls or emails to discuss the matter. 

  Business Response

  Date: 02/16/2024

  This was settled and paid in full approx. 6 weeks ago.
  

  Customer Answer

  Date: 02/16/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *********************
  
   
  

• Initial Complaint

  Date:11/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My wallet contained sensitive information that was missing, such as my credit card, debit card, driver's license, and social security number. I recently learned that this personal information is being used by someone to impersonate me. I just came across an unauthorized inquiry from 02/16/2023 on my credit report. I never did business with the aforementioned company, and I did not give permission for this investigation to be conducted. Regarding this, I have communicated with the creditor, but they have not answered. Please look into it and take it down from my credit report right away.

  Business Response

  Date: 11/17/2023

  Hello ****************,

  I am very sorry to hear that you are a victim of identity theft. According to our company records on Friday February 3rd, 2023, you spoke to ********************************** about a Pre-Approval Letter for a home loan.

  The telephone number and email address both appear to belong to you. Please feel free to contact us directly to review these and confirm if in fact they are yours or not. The consultation on that day was done without a credit pull. 

  On Thursday February 16th, 2023, ***** received a call from XXX-XXX-**** stating that a property was located and a purchase contract was secured for a home in ******, **********. 

  All pertinent credit information was provided including full name, dob and social security number. This was coupled with verbal permission to access credit for mortgage purposes only. 

  If a letter is needed from us to detail the events included above, please let us know how we can be of assistance?

  Sincerely,

  Your America's Moneyline Team

   

• Initial Complaint

  Date:11/03/2023

  Type:Customer Service Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a *********** Appraiser. I have been trying to get multiple people to contact me regarding work I completed for this company only to be passed around then completely ignored. Emails read then ignored. Messages left then ignored. This is totally unacceptable.

• Initial Complaint

  Date:10/05/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a very bad experience of home buying with America's Moneyline Inc. in CA as a home loan broker. I presented my situation to them and they promised to get the loan on my closing date of 03.31.2023. After submitting tons of paperwork they vanished a day before the closing date and unprofessionally didn't answer at all. Finally, after their late response, the seller decided to break the deal or should be paid more. Unfortunately, this bad experience cost me $3,700 (closed the deal with another broker in 5 days) and wasted time, and many follow-*** with them to compensate for this loss were fruitless. I want to this company compensate my loss.

  Business Response

  Date: 10/05/2023

  Hello Sir,

  I am very sorry for your experience. Unfortunetly, the Lender did not approve your loan due to the lack of a two year history of Overtime Income. This caused your loan to get denied by the Lender due to excessive debt to income ratios.

  On your behalf, a request was made directly with the Lender, **********, to provide you a concession or refund but they denied the request. As a Mortgage Broker we are not paid any monies unless we successfully close your loan so it would be impossible for us to issue you a refund.

  Sincerely, 

  Your America's Moneyline Team

   

   

   

   

  Customer Answer

  Date: 10/05/2023

  The mentioned denial reason is not acceptable for me because I talked to your staff several times about my case and he claimed that he presented my case to the lender underwriter and they approved my case. I started working with your business because of this initial approval but what happened next I dont know. I worked with your team not Lender. I dont know anyone at the lender company. The lender should gave me his decision at least a day before closing day not after closing. If they let me know that they are not able to approve my loan a day before closing day the seller never penalized me. So, do you think am I responsible for this?

  Business Response

  Date: 10/06/2023

  No Sir no one thinks you are responsible for the Lender's denial of your loan. You were very transparent and all of your concerns were voiced to the actual Lender. As you are aware, the Lender gave issue to the Offer of Employment Letter that was provided. The annual income figure provided by you was not accepted by the Lender due to the wording in the letter which casued your debt to income ratios to be unapprovable. All attempts were made to override the Underwriters decision but we were unable to overcome the issue. I am very sorry for any issues this may have caused your family and of course I do wish your loan was Approved but it was not. 

  Sincerely,

  America's Moneyline Team

   

  Customer Answer

  Date: 10/06/2023

  Sir,

  I never think I had done any wrong action from myside. As you said I fully transparently present all my docs including my wife job offer to you. Initially accepting and then denying at the last moment without any acceptable reason in meaningful timeline (at least a day before closing day) put me a horrible trouble that could cause to break the deal and I never think just sorry word can compensate this money and time losses. I'm persistent in paying my loss by America's Moneyline or Lender.

  Definitely, I will follow-up and post this happening in any available public media. Someone should pay my loss, $3,700.

• Initial Complaint

  Date:09/01/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Business keeps harrasing me after I told them I wasn't interested in applying with them. They keep spoofing local numbers and have been calling me for 6 hours straight. This is completely unacceptable, why is this allowed? They act like debt collectors. STOP CALLING!

  Business Response

  Date: 09/01/2023

  Hello there - I am so sorry for your experience. I will ask for your telephone number to be added to our Do Not Call directory and you will not receive any further calls from our Company.

  Customer Answer

  Date: 09/05/2023

  I'm still receiving calls, and not only that, the nature of these calls is abusive and it almost feels like you guys are mocking me. Spoofing local numbers and calling multiple times every hour, what is wrong with you people? Stop the harassment already! So far today I have 8 different numbers calling me from your place of business. This is unacceptable, you're also calling my wife, and she will be opening her own complaint as well. I hope your business goes bankrupt soon.

  Business Response

  Date: 09/05/2023

  Hello Sir - I would like to assist however if I do not know your telephone number I cannot add you to our internal do not call list. There is nothing we can do to stop the amount of calls you are getting from other Companies.

  If you add yourself to www.optoutprescreen.com you can have yourself electronically removed from the Credit Bureaus sales lists as well.

  Hoping this helps and I do apologize for your experience.

   

   

• Initial Complaint

  Date:07/11/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I receive numerous unsolicited phone calls from this company on a routine basis.This complaint is to hereby demand that this company (and any affiliates, subsidiaries, etc) immediately and irrevocably remove me from all forms of communication. I do not authorize any further use of, or distribution of my contact information.

  Business Response

  Date: 07/11/2023

  Hello ***************,

   

  Thank you very much for your message.

  You will immediately be placed on our DNC list, and you will not receive any future calls from our company.

  I did want to make sure to let you know - that none of the ************ or any other area codes that begin with 321 are our Company.

  Sincerely,

   

  ***********************

  CEO

   

   

  Customer Answer

  Date: 07/11/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***********************
  
   
  

• Initial Complaint

  Date:02/23/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ********* Money Line reached out to me to be our lender when purchasing our new home. I stated I already have a preferred lender and was not interested. In order to entice me to utilized AML, they promised to pay me 2K after closing. When I received the Good Faith estimate, this credit was not on the contract. During conversations, they stated it would not be received during closing, but it was actually going to be a check after the fact. The 2K was coming from the profit of selling the loan. I have attached a letter from them stating they would provide the 2K. When I bluntly asked how can I can ensure the validity of their deal, ********************************* stated that if they did not hold up their deals with other customers, they would not have great ratings on BBB. This gave me confidence in who I was dealing with. I have given time for things to process and for them to follow through. I have emailed them with no response. We closed on our house on October 21, 2022. My family was really counting on the 2K savings to help with the new house transition. I would like for AML to hold up their end of the deal. I appreciate any help in resolving this. Attached is email traffic of the 2k and the letter from AML IRT the 2K.

  Business Response

  Date: 02/23/2023

  Hello ***********************,

   

  My name is ************ with *******'s Moneyline. Thank you for making me aware of this situation.

   

  I will make sure your customer refund check in the amount of $2000 is processed and delivered to you as promised immediately.

   

  Please feel free to reach me directly at ************ anytime and I greatly apologize for the delay of your refund check.

   

  ************

• Initial Complaint

  Date:10/31/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  So I just received a phone call from a gentleman ny the name ****. He said he is with ******************* and he saw that my credit was just ran for a mortgage. He asked if I was in the process of purchasing a new home or refinancing and was asking a few other questions going into a pitch when I stopped him and asked him who he was again and where he was calling from again. **** told me where he was from again and I said well I never contacted you or your company so why are you calling me and he said "yeah we both know that don't be ******ed".The number he called from is ************* So I immediately called that number back and another gentleman answered the phone. I explained to him what happened and he was amazed that somebody would say something like that so I asked to speak to a supervisor. He spoke to one and said the supervisor was busy on another call and he was going to call me back. I'm currently waiting for a return phone call as I am extremely offended. Serious action needs to be taken against **** and this company.

  Business Response

  Date: 11/01/2022

  Hello there,

   

  I am **** Lob with ********* Moneyline - Are you sure you were called by our Company?

   

  We do not do business in the *****************. We do have a ******* that works here though.

   

  I can have a Supervisor, *******************,  call you regarding the conversation you mention below. The behavior as you mention below is not permitted by our Company.

   

   

  **** Lob

  COO

  America's Moneyline Inc

  ************