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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
05/16/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I still received mailers since I purchased my property 3 years ago. I've asked this business to remove me from their email list multiple times.
Business response
05/16/2023
Per the consumer's request, the name and address have been removed from all mailing/distribution lists. Please allow up to two weeks for all mail to have stopped. Thank you.Customer response
05/17/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***************************Initial Complaint
05/04/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
Ive asked this business to remove me from their email list multiple times. On 4/24 I told them I would report them if they continued. They said I would be removed. Now 5/4 and I received another solicitation email. Its illegal to continue when youve asked for communication to stop. Its harassment.Business response
05/05/2023
Per the consumer's request, the email has been removed from our database and will not receive future solicitiations. Thank you.Customer response
05/05/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***********************Initial Complaint
01/19/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
June 2022, I reached out to Golden Oak lending for a VA loan since I am a veteran and first time home buyer. Golden Oak had gotten my request for the loan pre-approved. After finding a home to purchase, Golden Oaks MISSES loan commitment even with the effort between three of us me, my wife and my representing realtor consistently calling with no answer, a call back or even a message back (im talking days here). Golden Oaks (finally) makes contact with my realtor and simply states "I couldnt get it that day" That in itself should of been a giant red flag but we decided to stay the course being as which everything else seemed solid because we was "reassured" by Golden Oak telling us they could still make it work instead of just saying they couldn't and acquiring a mutual release.... August 2022, three days from closing Golden Oak Lending falls threw with the loan for it did not qualify for a VA Loan being a Manufactured home. Mined you we are almost three months into this transaction and Golden Oak misses a BASIC requirement for a VA loan, that took me a few seconds with a smart phone to verify. I lost the contract on the home for my family, my ******* money vanished and so did Golden Oak. The Vice President at the time, contacted and had told me they "had no idea" it was a Manufactured home. Golden Oaks either does not actually pay any attention to GIANT details like an address, pictures, there very own paperwork or they are flat out LIARS. I'm going to put my money (that I don't have now) on that they are liars... Golden Oaks Lending at ************************************************************************ are negligent, incompetent and last but certainly not least LIARS. Golden Oak lending's word cannot be trusted, nor should they be trusted with lending or any of your business. DO NOT go to Golden Oak Lending you will regret that decision, for that establishment should be closed and possibly prosecuted, do not waist your time and hard earned money at Golden Oak Lending.Business response
01/23/2023
The timeline of events occured starting with the first call from the customer on June 18th through the day we received the appraisal, notifying us for the first time that the property was a manfactured home, which was on July 22nd. The loan was unfortunately declined on the next business day, July 25th, due to the property type not being permitted on the program for which the borrower applied...approximately 37 days after initial contact. At no time did we collect any funds from the consumer, so a refund would not be applicable in this instance; however, in the interest of customer service, we have agreed to reimburse the consumer for a portion of the ******* money that was forfieted.Customer response
01/25/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*********************Initial Complaint
12/19/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
12/19/2022 Golden oak had improper use fha or conventional loan pre-approval, Rude customer service, unprofessional Given interview wrong employee, No followup questionnaire after 90 days. Overall poor sales,service ,request resolution assist from bbb org. ****** ******* mortgage applicant Ohio fhaBusiness response
12/19/2022
Per the consumer's request, no further contact will be made.Initial Complaint
08/03/2022
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
Golden Oaks Lending sends me weekly mail displaying my PII on the envelop pretending to be from my actual mortgage lender. They provide no way to contact them to request the stop of this PII revealing junk mail. They are trying to scam people out of their mortgages and they need to be stopped or told to stop this predatory mailing that risks people getting their identity stolen or taken advantage of by falling for their predatory "lending". They advertise it as being "a big cash out" or "lower monthly payments", when in fact the home owner will loose out in the end. Their "disclosures" in the mailing seem barely legal for all that they are "promising". I worry that they are sharing my information with other scammy organizations and I want them to stop mailing me and remove my loan information, name, and address from their database.Business response
08/04/2022
We have received your letter regarding the above reference complaint. The letters we mail out only contain public and non-private information that *** be obtained from public records at the county recorders office. In fact, our advertisements never include personal identifiable information that could not be obtained from pubicly available sources. Per the request of the consumer, we have removed their information from our database.Customer response
08/04/2022
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*******************Initial Complaint
05/14/2022
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I have opted out of mail soliciting for life and more than three months ago. I have returned mail to sender and asked them to stop wasting trees for what I see as fraudulent advertisement! We do not want or need any loan from Golden Oak Lending especially after the way they solicit their "rather conspicuously" information! They send letter showing in the top left corner Re: ******* ***** ****, Date: April 27, 2022 PIN#******-****** and my name and address. This looks like a letter from our lender except for the PIN which most people do not know or realize , so they open it. Upon opening the letter we can then see Golden Oak Lending statement as they said in a response "rather conspicuously" is not associated with or acting on behalf of your current lender. Yet , their opening statement on the front of the letter has the name of our lender and not their company name!? We DO NOT WANT ANYMORE SKETCHY MAIL SOLICITATIONS FROM GOLDEN OAK LENDING! DO NOT CALL, DO NOT EMAIL AND DO NOT MAIL AND WASTE ANYMORE TREES TO OUR ADDRESS! Again, Golden Oak Lending does NOT make it very clear to the consumer that the letter is from Golden Globe until the envelope is opened!Business response
05/16/2022
Per the consumer's request, we have removed their name, address, phone and email address from our contact/mailing lists.Initial Complaint
12/03/2021
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Resolved
I received unsolicited mail from Golden Oak Lending to my home mailing address. I don't recall signing up to receive mail from this company. I already used the website "https://www.optoutprescreen.com/?rf=t" to permanently opt-out of firms' offers of credit or insurance. There was no information to opt-out of this junk mail in the mail itself and I did my research online and I could not find a way to opt-out of receiving mail from this lender. Thank you in advance for looking into this matter. I greatly appreciate your help.Business response
12/03/2021
Per the consumer's request, we have removed them from our database. They will no longer receive our mailers.Customer response
12/03/2021
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******* ****Initial Complaint
11/16/2021
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Resolved
Golden oak is impersonating my mortgage lender on mailed advertisements. Golden oak included my mortgage lenders name in the subject line on their mailed advertisements.Business response
11/17/2021
This letter is in response to the above referenced complaint regarding a recent mailer our company sent out to consumers in Utah. Our mailers contain public and non-private information that may be obtained from public records at county recorders’ offices. And while we state the name of the company with whom consumers currently have their mortgage, based on these public records, we further state, rather conspicuously, that Golden Oak is not affiliated with said company. The purpose of stating the current mortgage servicer is so that the customer understands that we are offering to refinance that mortgage with a new loan from Golden Oak. Along with stating our name, we also include our unique identifier issued by the NMLS. Again, we make very clear to the consumer that this letter is from Golden Oak Lending and not the referenced company. Because the consumer is upset with our mailer, and to comply with their request, we have removed their name, address, and phone number from our contact list. We will not send future solicitations to them or their home.Customer response
11/17/2021
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***** ******
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9 total complaints in the last 3 years.
1 complaints closed in the last 12 months.