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Complaint Details
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Initial Complaint
07/24/2024
- Complaint Type:
- Order Issues
- Status:
- Resolved
This company calls me multiple times and day, including the weekends, for a personal loan that I never applied for. I've asked them repeatedly to take me off their call list, but the calls do not stop.Business response
07/26/2024
Dear ******************:
Thank you so very much for reaching out to Supreme Lending through the BBB. Recently, Supreme Lending has been made aware that an unaffiliated company, is using Supreme Lending name to sell personal, unsecured loans and doing so with robo-style calls to consumers. Supreme Lending's legal team is taking action to stop this unauthorized use of our name in the marketplace.
Your valuable transcriptions of the voicemail messages that you attached will be paramount in stopping the unauthorized use of Supreme Lending's name.
Supreme Lending is thankful for consumers like you, that take action and make a difference.
Thank you again,
Consumer Relations
Supreme Lending
Customer response
07/26/2024
I have reviewed the business response and accept this resolution.Initial Complaint
02/15/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Problem began 2021 ***** Everett Financial,Inc continues to contact me via government mail. Sending constant harassment soliciting business for Home Warranty policy. Which I continue to decline any services from this company. I have advised them repeatedly by phone and written correspondence to not contact me that I am not interested in there business. However, this harassment continues to escalate. I return mail, refuse mail & call them to remove my name from there database. It seems to only continue.Business response
02/20/2024
Dear ***********************:
Thank you for reaching out to Everett Financial, Inc. D/b/a Supreme Lending. Supreme Lending is a mortgage lender and is not associated with any Home Warranty Company. I called the number listed on the letter that you showed in your complaint and spoke with a representative of Forever Home.
Again, We are NOT associated with ********************* Policy.
Should you have any questions, please feel free to contact Supreme Lending at ********************************************
Thank you,
*********************
Consumer Relations
Initial Complaint
02/07/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I sold my house in 2022 but a late payment was reported in 2023. This discrepancy postpone a purchase of a new property. Supreme Lending was not helpful at all, this company knows how to say F*** You with a smile on their face.Don't use them for a mortgage as they don't care about people. It's like you are talking to a computer.Business response
02/09/2024
Dear BBB:
Please see the response from our ******************** regarding this complaint.
If you have any questions, please feel free to contact me.
Thank you
Initial Complaint
01/15/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
back in july 23 i wound up being scammed i wasnt recieving anything from supreme lending so come nov 23 i found out i was scammed so fast forward i have been trying for 3 weeks to make a **** dollar payment to them the scam has put me way behind and im trying to give this amount and catch the rest by april they refuse to take my payment until they decide on my hardship being approved or not approved which if that happens they want the full amount i feel like they just want to foreclose on my home instead of helping in any way who refuses that much of a paymentBusiness response
01/19/2024
Good afternoon,
****************** entered into a Covid-19 Forbearance effective 2/01/2022. At the end of the forbearance plan, ****************** advised us that she was ready to resume making normal payments, so we supplied her with a Partial Claim agreement which would bring her account current and due for 9/01/2022.However, ***************** failed to make any payments after partial claim was completed and instead received state assistance in December 2022.
****************** then ceased communications with Supreme Lending due to Cease & Desist order received effective 7/20/2023 and no payments have been made since. We have since received Ms. ******** request to remove American Home Solutions from the account as of 12/28/2023.
Furthermore, the loan is now due for 6/01/2023-1/01/2024, in total for $13,057.72. We are unable to accept $6,000.00. At this time,we would need total reinstatement since ****************** appealed the assistance offered 11/16/23 for a repayment plan effective 1/2024-8/01/2024.Initial Complaint
09/12/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have been asking for 2 1/2 weeks for a 'Successor in Interest' letter from the mortgage company to help prevent me from loosing my home and getting assistance and they will not help me in any way. I have emailed them all the court documents and provided them with all the information needed and they keep refusing to assist me. This has been an issue with this company for the last 2 years. They withhold information, they dont try to help you in any way. Im tired of this issue and I need the problem relived asapBusiness response
09/18/2023
Dear ********************,
Thank you for reaching out. Please find attached here the requested letter. Additionally, this has been emailed directly to your email address by our **************** Department. If you have any further questions, please feel free to follow up with us at ************** or ********************************************. Thank you.
Respectfully,
Consumer Relations
Initial Complaint
08/14/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am contacting you to request an investigation into a potentially fraudulent inquiry on my credit report. I have no recollection of engaging in any transactions with the mentioned company. Consequently, I kindly ask for substantiation of any services I might have purportedly obtained from the company. In the absence of such verification, I respectfully request the removal of the aforementioned inquiry from my credit report. Your prompt attention to this matter would be greatly appreciated. EVERETT FINA 11/28/2022Business response
08/15/2023
Dear **************,
Please accept our response to your request to remove an inquiry from your credit report. Inquiries that are a result of a legitimate review of your credit history cannot be removed.
A review of our records indicated that you were referred to your Loan ******** ************************* by your realtor, ************************** You authorized credit by providing the online application on 11/25/2022. The provision of your personal financial information and the authorization to pull your credit report in connection with the application for a mortgage loan constitutes a legitimate business purpose.
If you have any additional questions, please feel free to contact us at ********************************************.
Respectfully,
Consumer RelationsInitial Complaint
04/03/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I closed on a home June 24, 2022 with supreme lending. My loan was transferred from them in October 2022. Fast forward to March 27, 2023 I start getting credit alerts that someone ran my credit. I look more into and see the company that ran it and I called them. They told me that Supreme lending requested my credit report. I called into the customer service line and was given an email to their customer relations ***** *********************** told me that my credit was ran as part of their quality control program. He couldnt explain what it consisted of or even what it was, only that they dont disclose their internal practices or procedures. Over the last two days I have gotten over 130 phone calls, text messages, and emails from mortgage companies saying that they see or heard that I am shopping for a mortgage. When I was initially shopping and they ran my credit I didnt receive one call from anyone else saying this, because I surely wouldnt have went with supreme.Business response
04/04/2023
Supreme Lending
NMLS #****4/4/2023
***********************
****************************************************************
Daytime Phone: **************
E-mail: *********************
VIA: Better Business Bureau
RE: Billing or Collection Issues
Dear ***********************,
Please accept this letter as acknowledgement to your Billing or Collection Issues. We are reviewing our records and will provide a formal response.
Should you have any questions during our investigation please feel free to contact us at ******************************************** or ************.
Thank you.
Respectfully,
***********************
***********************
Consumer Relations SpecialistBusiness response
04/11/2023
Dear ************,
In addition to the emails you have provided, we would again direct you to the attached signed documents which both authorize the credit inquiry made as part of the post-closing Quality Control audit of your loan. When you requested our Quality Control process, we simply stated to you that we do not disclose our internal policies and procedures with any outside parties. This remains true. We also explained that the calls you have received regarding possible credit offers from other companies are not due to any information being shared by Supreme Lending, and provided directions on how you may opt-out of those pre-screened credit offers directly to avoid receiving those solicitations.
In conclusion, the documents attached confirm your authorization of the credit inquiry for the permissible purpose. The provision of your signature to pull your credit report in connection with the application for a mortgage loan and the quality control program constitutes a legitimate business purpose. Inquiries that are a result of a legitimate review of your credit history cannot be removed.
Respectfully,
Consumer Relations
Initial Complaint
11/11/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
Our home builder partnered with Supreme Lending, requiring us to use them for our preapproval. Once we were preapproved, Supreme Lending offered us a rate lock incentive for a 9-month rate lock with up to three 30-day extensions. We accepted the offer as outlined and had our interest rate locked in with Supreme Lending in February 2022 expiring 9 months later on November 18, 2022. Once it looked like we may not close by the initial rate lock date of November 18, 2022, I began asking Supreme Lending about the 30-day rate lock extensions that were advertised. I was told the extensions were no longer available. We now know we will not close before the initial 9-month date of November 18, 2022 and Supreme Lending is refusing to honor their rate lock extensions as advertised. I reached out to Supreme Lending's complaint department and was redirected to the Operations Manager in their branch who again told me they are no longer honoring the three 30-day rate lock extensions that they advertised in our model home as recent as September 2022. We are working to keep the interest rate that we were told was locked in for us for up to one year.Business response
02/06/2023
Business Response /* (1000, 5, 2022/11/17) */ Dear Mr. *******, Please accept this response to address the concerns you provided regarding the rate-lock expiration and extensions offered in the marketing materials you referenced in your complaint. A review of the marketing materials which you referenced (a complete copy is attached here) resulted in the confirmation of the disclaimer message at the bottom of the flyer. The first paragraph of the disclaimer states that it is "Not an offer or agreement," and that "information, rates and programs are subject to change without notice." Additionally, the last paragraph of the disclaimer specifically references the three 30-day Rate-Lock Extensions and very clearly states "Special Incentive Programs subject to change without notice". The disclaimer provides notice that Supreme Lending may change or make unavailable the Rate-Lock Extensions, as occurred in July 2022, and has been explained by your Loan Officer and Branch Management. We understand that you disagree with this, however, there has been no wrongdoing and the special program that you have referenced is simply unavailable. Rates are never guaranteed until they are locked, and so while the promotion with the three 30-day rate lock extensions was available when you began your loan application, since they are not currently available, if the lock expires your rate will be based on market conditions at that time. We appreciate the opportunity to review this for you. Respectfully, Consumer RelationsInitial Complaint
10/03/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
I received a letter from ******* Financial Inc. Home Warranty Division offering a now inspection home warranty on home repairs and maintenance giving examples of Air Conditioner, Refrigerator, Hot Water Heater, Furnace, Appliance and others. the offer requested that I respond by 9/1/22. I called the number ************** extension *** and spoke with **** ***** **** **** offered me the package for $100.00 saying I would get a letter outlining the play with an ID card and I had until October 5, 2022 to decide. If I canceled prior to 10/5/22 I would get my $100.00 refunded in full. I called the claim department to get two items looked at my refrigerator and dishwasher. They told me I wasn't allowed to make a claim because I had to wait 30 days which would be 9/28/22 and I was a few days early, to call back after 9/28/22. I called back on 10/3/22 to get the dishwasher looked at (in the meantime I had to replace my refrigerator) and they stated I could not make the claim because I had previously called for this item prior to the 30 days so my dishwasher was not eligible. I stated I wanted to cancel the insurance immediately and get a refund of my $100.00 because I didn't understand the rules and I never received my package with my information. They cancelled the insurance but refused to refund the $100.00 stating I had to cancel prior to 9/28/22 which was news to me because **** **** stated I had up to 10/5/22. They stated the computer would not allow for the refund and per my policy that was mailed to me I had to cancel prior to 9/28/22. I reminded them that I did not receive a letter and that I was told by **** **** I had until 10/5/22 and to pull the recording. They refused and would not in any way mitigate or escalate the issue to look into my situation. I am writing to report that I would really like my $100.00 back but even more importantly to report the poor policy the home warrantee division of ******* financial, Inc. that runs itself like a scam.Business response
12/05/2022
Business Response /* (1000, 5, 2022/10/04) */ Dear Ms. **********, Please accept this response to address the concerns you provided regarding your home warranty. ******* Financial, d.b.a. Supreme Lending, does not have a Home Warranty department, nor do we offer Home Warranties. There is not an employee by the name of **** **** employed by ******* Financial, d.b.a. Supreme Lending. Unfortunately, it sounds like you are dealing with a company who may have represented themselves as being connected to Supreme Lending, but they are not. If you received any kind of letter or mailer from them that you could send to us for review, we would be happy to do so. Please feel free to send anything you may wish for us to review to *****************@supremelending.com. Respectfully, ******** RelationsInitial Complaint
09/11/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
less than 24 hours before the closing Supreme Lending told us that they were off on the cash to close estimates by nearly $5000. We were completely stuck with nowhere to go and had to scramble to make the closing happen. It has now been five months with no follow up. I'm not sure if it's a lack of competence or a deliberate move to keep us from shopping other companies by low balling the estimate.Business response
11/08/2022
Business Response /* (1000, 5, 2022/09/19) */ Dear Mr. ********, Please accept response to address the concerns you provided regarding your cash-to-close amount. A review of our records indicated that the Loan Estimate provided to you on 02/24/2022 included a total of $24,240 expected for the Cash-to-Close amount. The Closing Disclosure provided to you on 04/07/2022 disclosed the final Cash-to-Close amount of $16,043.43. Your signature on 04/08/2022 indicates your acceptance of those terms. Additionally, our records do not reflect any last-minute increases in the Cash-to-Close amount which you've mentioned, however, if you have any information you could provide which you would like for us to review we'd be happy to do so. Please feel free to contact us at *****************@supremelending.com. Respectfully, ******** Relations ******** Response /* (3000, 7, 2022/09/20) */ (The ******** indicated he/she DID NOT accept the response from the business.) Somebody from supreme lending reached out to me and I provided them with all the documentation needed. To see this response from them completely ignores the communication from me So I will go ahead and screenshots of our conversations. You can see cash to close estimates that were given to me between 11,000 and 15,000 depending on if I chose to to buy down the rate ot not. You could also see a screenshot from the conversation in April when they quoted me 13,000 hundred for closing costs are still a few thousand less actually happened Please take a look at the attached photos Business Response /* (4000, 9, 2022/09/21) */ Dear Mr. ********, Thank your for your reply. The mortgage coach and email you provided are not "quotes" for your cash to close amounts. The mortgage coach provides different scenarios with general loan terms and is not a disclosure of your loan terms. The email screen shot you provided does not indicate the amount that would be necessary for cash-to-close, but rather it states the amount needed to show reflected in your bank account on the March 2022 bank statement. The Loan Estimate and Closing disclosure provided in our response clearly state the Cash-to-Close amounts and are disclosures specific to your loan. We appreciate the opportunity to clarify this for you. Thank you. ******** Relations ******** Response /* (4200, 11, 2022/09/22) */ (The ******** indicated he/she DID NOT accept the response from the business.) I see your response, it it's hard to believe that you would give people estimates on cash to close & money needed to close and then say those were not official. I was told verbally The cash to close quoted was always high to help prepare me and not to worry because the mortgage coach would be worst case scenario. You will notice in the screenshot (& in the conversations that I have forwarded to you) that I questioned the cash to close and was not set straight at any point in time. They were intentionally dodging the question Looks like I was being played here
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MMonday | 9:00 AM - 5:00 PM |
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TTuesday | 9:00 AM - 5:00 PM |
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26 total complaints in the last 3 years.
6 complaints closed in the last 12 months.