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Complaint Details
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Initial Complaint
05/20/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
My interaction with west capitol was gained though false advertising after gaining my personal information for the loan ******************* tried to explain to me that because I stated my home value was from $550,000 to $600,000and it valued at 565 is the reason they did not honor the original interest rate and give him the opportunity to search another lender which he came back with a lower rate and I pay $5000. Told him it wasnt a good decision to go with and he asked if I saw the numbers before I refused the loan. Today I received a letter stating I was denied the loan for not meeting conditions. This appears to be retaliation for not accepting his loan.
Business response
06/20/2024
hello, our Director of Sales , ********************* left a message to get in contact with you. Please call back as soon as you get a chance so that we can resolve this.Initial Complaint
05/07/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
April 2024 i began ta;kpng with *************************. i have over $300,000 in equity in my home. i have never refinanced still have original interest rate since 2016. my debt to income ratio is too high, i pay all my bills on time but my credit score is low because my utilization is high. i needed a hard money interest only loan to finish needed repairs and pay off my little bit of debt thats keping my credit score low. i have companies tell me all the time that they will be able to help me, then after a montrh of sending all documents they require then i dont hear from them anymore. i have over 20 hard credit pulls from all these people who can "help " me. i let all loan officers know from the start , unless they have a magic wand, i doubt they can help...im disappointed in ************************* because she told me the loan was a done deal, they were ordereing the appaisal, then they were not! i hired a contractor for repairs that needed finishing and was going to have him start. thank God it rained last saturday, which made contractor unable to start..*************************** calls me to tell me my debt to income is too high they cant fund my loan! this was after she trold me it was a done deal! She says she had other options. then i dont hear from her, she doesnt return anymore calls nor answwer anymore of my emails. i sent her an email , i recieved a surprise check for $2400 and i asked her what i should pay that would have the biggest effect on my debt to income ratio? still no response..she put me in a situation..now i need to find help to get out of. i will need to pay contractor with cash that i dont have. my shower needs to be made bigger and bathroom ADA **** compliant. the bathroom is not usable because its too small when you need assistance from a ****** or wheelchair. i was told no appraisal was ordered. i didnt pay them anything yet.they took a whole month away from me wasted my time, added to another hard pull on my credit report. and they were sent personal infoBusiness response
06/20/2024
hello, our Director of Sales , ********************* left a message to get in contact with you. Please call back as soon as you get a chance so that we can resolve this.Initial Complaint
03/04/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
On 2/12/24 an employee of their company sent over authorization to run myself/wife's credit (Hard Inquiry). Neither one of us gave any authorization for them to run our credit. Employee name is ***********************.Business response
06/20/2024
We took the hard inquiry off back in February 2024Initial Complaint
12/18/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
Few days ago I talk to ********************* and I try to get some help w my BAD credit. Everything was good. He was calling me a lot *** ** he run my credit and saw my load score( That was my point fixed my credit) So after that he ignored all my calls never give me an answer. That is really unprofessionalBusiness response
12/18/2023
Hello ******,
i truly apologize for this experience as it is not our standard practice. We will have our Director of Training , ******************************* reach out to you tomorrow to get further details.
Customer response
12/21/2023
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
07/20/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Resolved
UNSOLICITED JUNK MAIL. I WANT TO BE REMOVED FROM ANY FURTHER MAILINGS. Also note: PHISHING SCAM ON LINE. (SEE ATTACHED)Business response
09/13/2022
We have also added ******** ******* to the Do Not call list .Customer response
09/13/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find this resolution satisfactory. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. Should I continue to receive further unsolicited mail, I reserve the right to file another complaint with the BBB.
Regards,
*****************************
Initial Complaint
03/12/2022
- Complaint Type:
- Order Issues
- Status:
- Answered
Despite repeated calls to stop, this predatory company continues to send me junk mail about refinancing. NO MORE MAIL!Initial Complaint
02/01/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
On 12/18/2021, ***********************, Branch Manager at West Capital Lending told us the cost of an appraisal was $750.00. Then he followed up and said the price increased to $1,000.00. He expressed confusion as to why it was so high and said he would honor the $750.00 quote and cover the difference. He did not make any stipulations such as if we didnt proceed with the loan that he would not honor the agreement. He stated that we needed to pay the full $1,000 to the appraiser as a broker could not be involved in the transaction. We did not move forward with the loan due to a bad appraisal and ***** and the 2 owners have refused to honor the agreement and refund the $250. I have reached out several times via email and voicemail requesting that the verbal agreement be honored. They have refused and/or have been non-responsive.Business response
09/12/2022
We are mailing out a check for the $250 refund for ***** ******** to resolve this issueInitial Complaint
12/13/2021
- Complaint Type:
- Product Issues
- Status:
- Answered
I have received multiple pieces of unsolicited mail from West Capital Lending to my home mailing address. I don't recall signing up to receive mail from this company. I emailed ********************************** to request to be permanently removed from their mailing list on November 4, but I have not received a reply and I continue to receive mail from them. Thank you in advance for looking into this matter. I greatly appreciate your help.Business response
03/07/2022
We have removed her from our database as requested.Initial Complaint
10/14/2021
- Complaint Type:
- Order Issues
- Status:
- Resolved
On September 14, 2021, my wife and I signed the final Escrow Documents to refinance our home before a Notary Public. The Notary officially signed and verified all documents and we were fingerprinted in his official book. He was told by Rocket Mortgage that the funding would take place the following Monday, Sept. 20, 2021. On Sept. 22, I learned that my Loan ******** ******************** West Capital Lending, told Rocket Mortgage, in writing, that I had rescinded the Agreement on September 20. I DID NOT RESCIND THE AGREEMENT verbally or in writing. I tried to call ************ but he would not return calls or answer my emails. I employed ******************** to communicate with West Capital Lending. Subsequently, the President of the company, ******************** called me and agreed to a new loan with the exact terms and conditions as the original. However, when the new loan disclosure was presented the Interest Rate was higher and the Lender Credit was lower. Typical bait & switch!!Business response
03/07/2022
We were able to complete his refinance at the original terms he wanted.Customer response
03/07/2022
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,
*******************
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9 total complaints in the last 3 years.
4 complaints closed in the last 12 months.