ComplaintsforFirst Federal Bank

• Initial Complaint

  05/15/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I was working with broker ******* ******* on a home refinance for over a month. I was told by ******* that we would be closing on or around May 5th 2023. I was contacted by ******* on Thursday 05/04/2023 saying he was passing my loan to another First Federal broker **** ******. After speaking with ****, I was informed that my loan was no where near being completed and I had been lied to for the past month. I called First Federal to register a complaint and they basically told me they did not no why ******* had told me the loan was ready to close and that they could try to help me but it was going to take awhile since half the paperwork had not been completed. I was also informed by the First Federal manager that ******* was on a cruise and was not able to be reached to try and figure out what was going on. So basically the said sorry but it is what it is and did not try to correct the wrong. I want to know how a company can operate like this when dealing with peoples credit information and personal information and to leave them high and dry without the loan promised. Below is my last e mail with ******* and First Federal. On May 4, 2023, at 11:18 PM, ******* ******* <*****************> wrote: ?HI ******, I want to apologize for getting back to you later in the week. I wanted to let you know im bringing in my supervisor **** ****** to help us get this file close and funded ASAP. I will be here but over the next weeks I will be taking a small step back. **** will contact you shortly to go over the next steps to get this loan closed. There will be some new electronic disclosures sent out but the rest of file is already in order. Please let us know if you have any questions. ******* ******* Mortgage Loan Officer **** *** ****** See my reviews 2*** ******* *** ******** ** ***** Phone: ***** ******** Fax ************ Cell: ***** ******** ********************* ***************** APPLY NOW Reply, Reply All or Forward

  Business response

  05/18/2023

  The Director of Consumer Direct called and spoke with *** ******** at length about the current stage of the loan, what the next steps would be, and what could be done to continue the loan process. *** ******** declined to continue the loan process with First Federal Bank. A formal response letter was mailed to *** ******** on 05/18/2023 directly from **** *********, ******** *********. 

  Customer response

  05/19/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

   Complaint: 20057118

  I am rejecting this response because: 

  Company did not try to handle the complaint  First Federal did not try to help me with my time lost and the frustration of not having loan completed when I was told it would be  

  Regards,

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

• Initial Complaint

  03/20/2023

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  This complaint addresses an incorrect notice I received regarding a (nonexistent) lapse in my vehicle's insurance. It occurred close to a discouraging and unprofessional phone call with a First Federal male rep in your credit card dept. I do not think the two are unrelated. I applied to a different lender afterward, Amex, and was instantly approved for thousands. That negative encounter adds to a first negative encounter regarding a loan inquiry to ****** ******* I twice left her voice messages asking that she return my call. Both calls were never returned. This has become a pattern of unpleasant experiences with FFB. It sends a message I have received and find shameful. I am seeking a correction to your lapse in insurance error and a degree of mutual respect during what remains of this unfortunate financing because I am not a person who has ever behaved unprofessionally towards FFB, nor will I allow its employees to treat me unfairly or unprofessionally. FFB "First Notice of Lapse of Insurance" letter dated 3/7/23, postmarked 3/16/23 and delivered on 3/18/23, I respond here that I have never lapsed in vehicle insurance per my agreement. My van financed through you was fully insured with Gieco, FFB as payee, on 6/8/22 before it left the dealership as agreed. The dealer actually delivered the van to my home days afterward. The Geico insurance policy in full for the van was delivered in person to ******, my saleswoman, at the dealership to be faxed to FFB with the loan paperwork as agreed before the vehicle ever left the lot. That policy has never lapsed. I have never been late on van payments either. I am weeks early. I called Geico on 3/18/23 regarding your disturbing letter and spoke with Jeanine who verified that my coverage has never lapsed and is in continuous coverage since June 8, 2022. Please correct your errors. I have been treated unprofessionally by FFB after entering into this finance agreement. I don't deserve it, and it's unacceptable to me.

  Business response

  04/04/2023

  Please see the attached response letter. 

  Customer response

  04/05/2023

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me, but I must add that in the absence of a notice of cancellation from Geico where I have held a continuous signed insurance policy agreement and in the absence of a new signed Progressive insurance agreement that I agreed to, FFB should not have quickly resorted to threatening notices. I was truly taken aback and angered by that because it was unnecessary. There are far better ways to address inquiries and concerns. As I explained in detail during the phone call you mentioned above, I never entered into a contract with Progressive or anyone else whatsoever - period. All I did was contact different insurance agencies such as Allstate, Progressive, State Farm and Nationwide to get quotes. I never asked to switch from Geico and more importantly, no new paperwork was discussed, presented or signed by me. This is all very suspicious. I feel the need to accept your apology and just move on from here. Thank you kindly for your response. 

  
  

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

   

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