Christian And Associates ratings, reviews and complaints - Loan Modifications

Complaints and Resolutions

Complaint Experience

N/A

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Complainants allege the company fails to fulfill loan modification services and does not honor their money back guarantee when they are unsuccessful in obtaining modifications. Other complaints allege the company uses high pressure tactics misleading advertising practices unauthorized charges and customer service issues. ~~The company responds to some complaints by issuing refunds. However recent complaint responses received by the company indicate that they have closed down permanently because they ran out of funds.

Our complaint services are free and our team of expert mediators will assist in resolving complaints with businesses.

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Complaint Closing Statistics

0 complaints against Christian And Associates closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
0	Refuse to adjust, relying on terms of agreement
0	Unanswered

Other Information

Company Info

Christian and Associates offers Corporation Regisitration, Trademark Registration, Copy Right Registration, Forensic Loan Audit Services, Short Sale Services and Loss Mitigation Services. We are SB 94 compliant. We do not charge any upfront or adva

Primary Contact:	Chris Kim (President)
Business Started:	3/16/2009
Social:

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Licensing

California Department of Real Estate

Verified License

License Number: 01863745
Status: Revoked

Government Actions

BCA has no information regarding government actions at this time.

Comments and Analysis

Effective October, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All modification services must be fully completed before any money can be collected. It is also illegal to divide fees or services into components for the purpose of avoiding this law.

HUD approved housing counseling agencies are exempt from this law. For businesses outside of California, please check with the agency that regulates this industry.

Other Considerations

The company informed our office that they have closed down permanently because they ran out of funds. They also claim that they are in the process of filing Chapter 7 Bankruptcy but we have no evidence of the filing at this time.

Industry Resources

Advertising Reviews

Additional Info

DBAs:

Christian & Associates

Federal Legal Solutions, Inc.

Websites:
There are no additional web sites.

Contacts:

Wallace Grissette

Christian Dayago

Reputation Report

Christian And Associates

Complaints and Resolutions

Other Information