Complaints

• Initial Complaint

  04/27/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  1.) Allied First Bank (hereinafter referred to as "Allied") has been sending me unsolicited mail with the subject "Notice" or "Waiting Period" and other advertisements in the mail for the past three years. 2.) I receive this unsolicited mail weekly, monthly, and often times over 5 letters in the same week to my address notated in this complaint from Allied.3.) Allied and I have never done business together. Furthermore, I will never do business with them now or in the future.4.) I sent Allied the uploaded signed letter in the mail on 12/08/2021 to advise Allied to stop harassing me and to stop sending me all matters of letters or mail, which is to include attempts to solicit my business. More importantly, I informed Allied to effectively immediately remove me from all of its mailing lists to include any of its affiliates or subsidiaries.5.) Unfortunately, Allied has ignored my reasonable request as of this BBB complaint. 6.) Since the uploaded letter was sent to Allied. I continue to receive mail from Allied and most recently another "Notice" letter in the mail from Allied at my address notated in this complaint on April 26, ******.) This online complaint marks my final attempt to resolve this matter of harassment from Allied, before I seek resolution through formal proceedings.

  Business response

  05/02/2022

  We have received the complaint and sent to the compliance department. 

  Customer response

  05/02/2022

   
  Complaint: 17114243
  
  I am rejecting this response because:

  I need this business to do more than provide me with a canned response.

  I want this business and it's affiliates/subsidiaries to immediately remove me from their mailing list.

  Moreover, I need them to confirm that they have performed that task and tell me what steps are in place to prevent me from receiving any additional mail
  
  Sincerely,
  
  *****

   

  Business response

  05/03/2022

  We have added you to our do not contact list, which is submitted to the Banks approved marketing vendors. We request a 30 day time period in the event a mailer has already been sent out between the time of the do not contact request and the time that a marketing vendor is able to remove someone from their list. As part of the Banks vendor management program,marketing companies must be in compliance with the Banks do not contact lists or they will be removed from the Banks approved vendor list.

  Customer response

  05/05/2022

   
  Complaint: 17114243
  
  I am rejecting this response because:

  Please inform Allied First Bank that if I receive any additional mail, materials, and or soliciting communication on or after June 04, 2022 to my address on record.
  I will concretely seek formal recourse and damages.

   

  Please have Allied First Bank acknowledge this message.
  

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

• Initial Complaint

  04/22/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  We received a few letters In the mail about refinancing our VA home loan. We ended up going thru with them in November. Did all the paperwork and were told the loan would go into effect in March and that we would not have payments for two months. They were quick to have us sign all documents in November, after that communication became non existent. We reached out many times, we finally heard back from ******* (our original *********************** was no longer with them) that was supposedly why we had the lack of communication. After ******* took over it seemed to be getting better. February came around and he said everything looked great and they were wrapping paperwork up and not to make payments for March and April. We didnt make Marchs payment. We tried to call ******* multiple times to get copies of our new loan and see how everything was going. No response. April came and we got a notice saying we were behind on payments. We have tried to get in contact multiple times with him to figure out what is going on. No response, we have left multiple voicemails. We are currently waiting on a call back to have them shred all our documentation.My husband is a 100% disabled combat veteran and this has caused triggers with his PTSD.

  Business response

  05/02/2022

  we have received the complaint and sent to the mortgage production office for review.  

• Initial Complaint

  04/12/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was in the process of refinancing my home and it took months it seemed like to finally get to the final stages of refinancing. It was a refinance with cash out of equity for upgrades and repairs. On the 15th of February I had notified the loan company that my bank account had been fraudulently charged and that it would take a minimum of ten days to get everything taken care of. Meaning the bank investigates the fraud and reimburses the funds that were fraudulent then my account would be okay. It ended up only taking 8 days and my money was back in my bank account. I was at the finish line of refinancing the last thing to do was pay for the appraisal and it was complete. Mind you this appraisal wasnt supposed to even take place until the 28th of February. On the 23rd I reached out to the mortgage company and said Im ready to move forward with the appraisal. Mind you this is still 5 days before the appraisal is even supposed to happen. The response I received was, I would need to start the entire loan process over. Because, they took it upon themselves to cancel everything since I had notified them of the fraudulent charges. Because they were running out of time. I was beyond upset. Never once did they notify to inform me of this decision nor was I asked about it. They just took it upon themselves to cancel my entire file. I was very upset and am still very upset because, it took me a long time to be in the position to even refinance and with interest rates at all time low. I needed to make this happen. Ive been stuck with the same interest rate of ****% since I purchased my place over two years ago. I was only getting into a interest rate of ****% but, it was still going to save me over $50,000.00 of the top of my loan. Plus it was going to give me the opportunity to do some repairs. I told the loan officer to speak to his boss about him doing this without even informing me or asking. To no resolve I am still without a refinance. They need to reinstate my file

  Business response

  04/25/2022

  We have received the complaint and sent to our mortgage production office manager.  

• Initial Complaint

  04/01/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Allied bank called me to offer a refinance on my home, my number is on the do not call list. What Allied and many other companies do is use over seas call centers to call first and transfer the call to an Allied employee. The over seas call centers they use do not honor the do not call list, as I have been fighting these call for several years. On average i get 20 calls a day from over seas call center trying to sell me something, they all do the same thing. I assume Allied, and others, use the over seas call centers as a loop-hole to get around the do not call list. This is at the very lest unethical, I do not if it's legal or not. I need these call to stop as it interrupts my small business.

  Business response

  04/25/2022

  We have received the complaint and sent to our compliance department for review. 

  Customer response

  04/26/2022

   
  Complaint: 16972556
  
  I am rejecting this response because: Doing a review doesnt not give me answers as to why this happens or any promises it wont happen again. As a start I would like to know how the company has my information, which is incorrect, and how to be removed from their marketing list.  I would also like to know why you would use a company that has unethical practices, as well as illegally calling people on the do not call list.
  
  Sincerely,
  
  *******************

  Business response

  05/13/2022

   

   

  Hello please see response below.

   

  We will add ************** to our Do Not Contact List and request this from our marketing vendors as well. 

  Customer response

  05/14/2022

   
  Complaint: 16972556
  
  I am rejecting this response because: I still would like to know why I am being contacted if Im on the do not call list. I have never filled out anything asking to be contacted.
  
  Sincerely,
  
  *******************

  Business response

  06/01/2022

  Hello, please see the response submitted on 5/13.  He is rejecting our response, but that is all he is going to do. 

   

  MESSAGE FROM BUSINESS:
  
  Hello please see response below.
  
  We will add ************** to our Do Not Contact List and request this from our marketing vendors as well. 

• Initial Complaint

  03/23/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I received a paper stating to refinance my house for lower interest rate so i acquired about it and i was i gave them some info for them to continue so they did app and came back that i qualified for a interest rate of **** percent then was told would send a notary out to sign papers which they did and some of papers didnt have info on them which i thought was odd but went with it and then the person i was working with called and said everything was a go he would call me every week with update and we were set to close in march that we would hold 2 months worth of payments then. He called couple times then i had to keep trying to call him then after couple weeks of no response i called his boss which responded to me and said he would keep in touch which i had to call him but he would call back most time. He told me on march 1 that they were getting things finalized he would update couple days and was to hold payments and if things got have to pay late fee they would take care of that. i ended up calling every couple day said they did have VA approval yet would have something couple days then on march11 he told me they had go ahead to start contacting banks for pay off he would call me next week on tuesdays wednesday On monday march 14 i got call from my morgate company saying that was last day before late fee would b assed so itried calling my agent again no answer so iendedup paying my payment and then i started reserching the bank website and found bad reviews just like what i was going through so i did not here anything by wednesday march 16 so i tried calling couple times no answer and no call back so i made a call to you guys to resolve this .

  Business response

  04/13/2022

  We apologize for the confusion please see below from the mortgage production office manager.  ******* took over this file and spoke to the borrower multiple times.  The borrower called ******* while he was out of the office week, and ******* had not got back in touch with him yet.  We have been doing everything to close his loan, and ******* was in communication with him, just hadnt returned call since being back in office. 

  Customer response

  04/15/2022

   
  Complaint: 16918744
  
  I am rejecting this response because: I TALKED TO ******* ON MARCH 11 AND HE SAID ON MONDAY MARCH 14 HE WAS GONNA CONTACT MY CURRENT MORTGAGE COMPANY SO ON TUES MARCH 15 I TRIED CALLING AND ACOUPLE MORE TIMES TAHT **** THAT ENDEDON MARCH18 AND NEVER GOT ANY RESPONSE SO I WAITING TILL MIDDLE OF NEXT **** AND NEVER HEARD ANYTHING THATS WHEN I REPORTED ON MARCH 23 AND THERE WHERE TIMES WHEN ******* TOLD ME HE WOULD CALL ME WHEN HE FIRST TOOK OVER AND I WAITED ONE DAY EACH TIME AFTER I HE WAS SUPPOSE TO CALL THEN I WOULD CALL HIM TO SEE WHAT WS GOING ON. THERE WERE TIMES HE DID CALL ME WHEN HE FIRST TOOK OVER . AS OF TODAY I STIL HAVENT HEARD FROM HIM WHICH MAKES IT A MONTH SINCE I LAST TALKED TO HIM SO IF HE WAS OUT OF OFFICE THE **** OF MARCH ***** I WOULD OF THOGHT HE WOULD OF GOT AHOLD OF ME THE FOLLOWING **** IN FIRST FEW DAYS BEFORE I FILED COMPLAINNT .
  
  Sincerely,
  
  ***********************

• Initial Complaint

  03/20/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was going to refinance my home in December 2021 while working with ***** since October2021. ***** told me not to pay my December payment, so i did not. My payment due date was Dec 15 2021, I stopped automatic payments because of their word the refi would be done. Now i have a late payment on my credit report because of this company and with a late payment. My mortgage company called me to see what went wrong because their was no payment. His email is ***************************************************

  Business response

  03/21/2022

  we have received the complaint and sent to the mortgage production office manager for review. 

  Customer response

  03/30/2022

   
  Complaint: 16918585
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

• Initial Complaint

  03/04/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I applied for a mortgage and received a pre-approval at an interest rate of 2.8 with Allied on Nov17th 2021. It is now March 4th and we have yet to close. My rate increased to 3.5 after the lock expired and its about to expire again. I have given all paperwork upfront and any updates they need they ask for right at the close of business and then I dont here from them again for a week. I was given the clear the close finally the other day with a closing date of March 7th but now they are saying they cant meet that date and asking for more time again.I have spoken to Processers, Loan officers and business managers and nothing seems to work. I have been. Given every excuse in the book and regularly they are slammed. Well at some point my file should become A priority as we almost reach month 4.I would not recommend anybody doing business with Allied and would like a refund on the fees they are charging if the mortgage ever goes through.

  Business response

  03/23/2022

  Please see the response from our Mortgage ***************** Manager.  We werent able to get the loan completed in December, so it became a loan we were going to close in January.  ***** spoke to borrower in December, advised make your payment, and you will close in January.   *** said that was fine with and would make his payment.  Once we got into January, the borrower said he no longer wanted to move forward and we stopped working the loan. 

  Customer response

  03/24/2022

   
  Complaint: 16845899
  
  I am rejecting this response because:
  That is a copy and paste response. I  am not *** and I have never spoken to anyone named ***** nor does that response cover the issue of it taking 4 months and them waiting last minute to ask me for things and pushing it out repeatedly. 
   
  The loan ended up taking just under 4 months to close. I would like the closing costs of ~9grand that allied charged refunded. 

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

  Business response

  04/13/2022

  Please see the response from the MLO.  ********************** rate lock had expired during the turnover of the new year, I tried to salvage the situation to see what could be done but we were told to wait per the lenders request because rates had gone up. As we were waiting rates continued to rise but we were reassured we could offer the customer something similar to what they had a month after expiration. ****************** shopped around for other lenders at that point and when we saw prices were not going down I called ****************** and asked if he would like to secure higher rate and come back to our lender and finish closing the loan. Another complication arose when ****************** had to leave town so we accommodated him by sending a notary to where he would arrive to which was New York, but by doing so it stretched the close date by at least a day or so. He agreed to the notary in New York and closed on the mortgage. ***************** did not express any complain towards me personally and I continued to apologize for the entire situation and expressed our gratitude for him staying the course and closing his loan with us. ****************** seemed satisfied. If there was any possible thing we could have done to make ****************** satisfied or happy we would have done that to the best of our abilities but we were operating in the confines of what we were able to do for him. We did everything to the best of abilities to accommodate him.

  Customer response

  04/14/2022

   
  Complaint: 16845899
  
  I am rejecting this response because:that is another lie, the closing date was moved prior to me saying I was leaving. I was home the day it was supposed to close and they told me they could not meet the date and had to push again thus forcing us to find someone where I was going. 
  mat this point due to their ineptitude the loan will cost me over an extra 100k over the life of the loan. The only response I will accept is a refund of the lender fees. 
  
  Sincerely,
  
  *************************

  Business response

  04/27/2022

  Only accept a response of a refund, and we are not going to issue a refund. 

  Customer response

  04/27/2022

   
  Complaint: 16845899
  
  I am rejecting this response because:they did not say anything. They refuse to own up to issues therefore negative reviews will stay up. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  03/01/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I would consider this a form of harassment. I have received literally 6 postal letters in a 2 month time frame from them stating I have equity in my home that I have not accessed. I want them to stop sending me these letters and understand that I am not interested in accessing them funds. I have other uses for them. They need to understand that if people don't respond that they need to stop sending out these letters. Each letter I have received always has a different FILE ID and telephone number to respond, but 75% of the letter I have received the numbers provided no longer works. Why does a company keep changing their number or provide bogus numbers. One thing is always the same and that is the NMLS#****** and the address on each letter is the same at *******************************************************. There is info on each letter to call a number & request Compliance officer to remove me from their mailing list. I have tried numerous attempts just to get the run around including no one answering the phone, voice boxes being full, I even had an automated message telling me they are not accepting phone calls (and then they hung up me); that's just not acceptable. I even tried to email ************************************************** that I found on Allied First's website and got a return message stating the email address is unable to receive mail (why provide an email address if not accepting emails?) And after reading other complaint I see I am not the only one having these issues. Why does the consumer have to put up with this? Why do businesses like to push people into insanity? No need to answer the last 2 questions. Wow, this is just unbelievable.

  Business response

  03/23/2022

  We will request removal from our internal and ******************** and contact lists.  

  Customer response

  03/24/2022

   
  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.
  
  Sincerely,
  
  ***************************

*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. ↩