ComplaintsforWise Choice Remodeling Inc

• Initial Complaint

  04/26/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Wise Choice *********************, Project Manager Attached are the Flyer, Finance Application, and Business card.April 26, 2024 Wanting to finally relieve myself of the annual war with backyard weeds, the statements on the Wise Choice flyer (received via ***** aroused my curiosity. The receptionist set an appointment for yesterday, April 25. Project Manager ********************* appeared at my door on time.After exchanging typical pleasantries, we discussed my idea to install artificial turf. He of course measured the area. He explained the procedure that included clearing and leveling the surface, installing protective ground covers and then the artificial turf. He provided a rough estimate of about $200.00 per month but did not state the loan term limit.Back inside my home, I provided personal information. I then called the three credit bureaus to unfreeze my accounts. He walked outside to make a phone call. He returned and in a gleeful and loud voice declared my application approved.I then asked for details. His loan company fixed the monthly payments at $192.00. Still reluctant to provide the term of the loan, I pressed. He finally informed me that it was 15 years. (That means my last payment would be in my 88th year.) I added the bold print notes on the application after he left my home.Please also note that he entered my annual income to be $45,000.00. This, despite doing the arithmetic in front of him and then informing him that my Social Security income to be $1,611.00 per month, or $19,332.00 per year.Although he left me the application and I am not aware of him copying or otherwise saving my personal details, I fear that he, or Wise Choice, or the loan company, may in possession of my Social Security and California Drivers License numbers, and my date of birth. He also knows that I took out a reverse mortgage in 2022. I must implore and defer to your oversight on this unsettling matter.Respectfully,*******************************

  Business response

  04/26/2024

  
  Dear *******************************,
  I would like to extend my gratitude for taking the time to provide a detailed account of your recent interaction with ********************* from **** Choice. Your feedback is invaluable to us, and we greatly appreciate your candor.
  I understand that while we provided you with an estimate, you have chosen not to proceed with any further steps at this time. It's important for you to know that our plans are flexible, ranging from 5 to 15 years, allowing you to make decisions that best suit your needs.

  
  Regarding income verification for financing options, please be assured that we adhere to strict protocols to ensure the security and confidentiality of your personal information. Your data is handled with the utmost care and stored securely to safeguard your privacy.

  
  Should you have any additional concerns or require further assistance, please do not hesitate to reach out to us. We are committed to providing you with the support and information you need to make informed decisions.
  
  *****************,
  wise choice remodeling inc 
  ******************************************
  

  Customer response

  04/30/2024

   
  Complaint: 21629072
  
  I am rejecting this response because:

   The responder said nothing about:

  1: ************************* reluctance to provide the term of the loan.

  2. ********************* wrote that my annual income is $45,000. I told him it is $19,000.

  3. Providing a loan term under 15 YEARS does not address the exorbitant sum of over $35,000 for a 20' x 50' patch of fake grass. If I agreed to the absurd cost of the lawn, my last payment would be in my 88th year.

  4. I believe he and/or Wise Choice designed the presentation to intentionally deceive potential customers.

  5. Wise Choice and/or ********************* may be guilty of elder abuse. I am 73 and, as I made clear to *****, live on a fixed Social Security income of $1,611 per month. 

  6. The company representative merely parroted ******* words. I am insulted and disgusted with the unmitigated condescension of this company.
  
  Sincerely,
  
  *******************************

  Business response

  05/06/2024

  Subject: Response to BBB Complaint #********
  
  Dear **************************,
  
  Thank you for bringing your concerns to our attention through BBB. We have thoroughly reviewed the details of your complaint and would like to address each point with transparency and care.
  
  1. **Application Process with GoodLeap**: We acknowledge that the application process through GoodLeap was a stated application only, without income verification or hard credit checks at that initial stage. Our intention was to gather preliminary information to better understand your needs and preferences.
  
  2. **Pricing and Plans**: Please understand that the prices and plans discussed were based solely on estimations for the lowest payment options. We want to emphasize that there are alternative plans available with different terms, including lower interest rates, shorter repayment periods, or even interest-free options. However, these alternatives may come with higher monthly payments or require payment in full within a specific timeframe.
  
  3. **No Contract or Scope of Work**: At the stage of our communication with you, no contract or scope of work had been established. Therefore, no harm was incurred, and no work was initiated at your property.
  
  4. **Privacy and Security of Personal Information**: We take your privacy and the security of your personal information seriously. Any information submitted to GoodLeap is handled according to their secure portal guidelines. As an integrated contractor, we do not have access to this information beyond what is necessary for our collaboration.
  
  5. **Income Discrepancy Clarification**: The discrepancy in the income submitted arose from the instructions provided in the GoodLeap application forms, which specified gross income. We apologize for any confusion caused by this misunderstanding. Upon realizing the discrepancy, we promptly contacted GoodLeap to verify the correct amount to consider. Unfortunately, even with adjustments for income models or non-taxed income, approval was not possible. We have attached proof of the cancellation of the stated application for your reference. we will be able to help with a new application at any stage with a co-signer. 
  
  6. **Verification and Agreement Process**: Our plans and income verifications are typically made upon the establishment of a scope of work agreement. In your case, we were not at that stage yet. We appreciate your understanding in this matter.
  
  7. **Resolution and Next Steps**: We genuinely appreciate the importance of addressing your concerns promptly. To assist you further, we are prepared to provide you with a private rate sheet outlining alternative plans with lower interest rates and additional options. Additionally, as a family-owned business committed to customer satisfaction, we extend an invitation for a second review meeting on-site with one of our owners or supervisors.
  
  Once again, we apologize for any inconvenience or misunderstanding you may have experienced. Our goal is to find a resolution that meets your needs and ensures your satisfaction with our services. Please feel free to contact us directly to discuss this matter further or to arrange a meeting at your convenience.
  
  Thank you for your patience and understanding.
  
  Warm regards,
  Wise Choice Remodeling
  ****************************************** 
  ************

  Customer response

  05/10/2024

   
  Complaint: 21629072
  
  I am rejecting this response because:
  

  "The discrepancy in the income submitted arose from the instructions provided in the GoodLeap application forms, which specified gross income."
  
  "We acknowledge that the application process through GoodLeap was a stated application only, without income verification or hard credit checks at that initial stage."
  
  1. ********************* entered $45,000.00. He did so without my awareness at that time and after I confided my annual income is $19,332.00. In other words, he pulled a figure out of thin air. I assume he intended to close the deal by any means possible.
  2. At ****************** request, I spent several minutes calling the three credit bureaus. I then told ************** that all were unfrozen until the following Tuesday.
  It remains that $34,500 for a 50 x 20 patch of make-believe grass is absurd.
  3. These acts were immoral and manipulative. Furthermore, and as expected, Wise Choice insists on dancing around my complaints. I will never conduct business with anyone clearly untrustworthy. Expect this to be my last communication with you. I am out of patience to the point of disgust.

  Sincerely,
  *******************************

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