Consumer Advocates Group Experts, LLC 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:

Complaints for this company allege consumers paid the company large advance fees for forensic auditing or loan modification services. Clients complain after paying the required fees the company fails to provide agreed upon services and they are unable to contact the company to obtain refunds.

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 Consumer Advocates Group Experts, LLC 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

Our correct office number is 866-214-0750 and our main fax number is 866-214-0350. To contact someone at our firm please email us at: info@consumer-adovcates-group.com

Primary Contact:	Ryan Zimmerman
Business Started:	12/1/2010
Social:

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Licensing

By law all individuals and businesses offering mortgage-foreclosure consulting loan-modification and foreclosure-assistance services must register with the State Attorney General and post a $100 000 bond. It is also illegal for loan-modification consultants and businesses to charge up-front fees for their services. . 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. For more information to file a complaint or to check registration requirements consumers can call 1-800-952-5225 or visit the website at http://ag.ca.gov/loanmod/index.php.

Government Actions

BCA has no information regarding government actions at this time.

Comments and Analysis

Individuals and businesses who offer forensic loan audits use inflated and misleading claims to convince homeowners to pay up-front fees for services that produce no actual foreclosure relief. Homeowners are encouraged to pay for an audit of their mortgage loan file to determine their lender's compliance with state and federal mortgage-lending laws. This audit is pitched to homeowners as a tool they can use to gain leverage and speed up the loan-modification process. ~~In truth there is no evidence or statistical data to support claims that forensic loan audits-even if performed by a licensed legitimate and trained auditor mortgage professional or lawyer-will help homeowners obtain loan modifications or provide any other foreclosure relief. ~~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.

Other Considerations

There is an Alert on this company's file due to pending Government Actions filed by the FTC and the Ohio Attorney General's office. Please refer to the Government Action section of the company's report for additional information. ~~Mail sent to this company was returned by the post office as """"moved; left no forward address """" """"forward order has expired """" or """"unable to locate."""" The Bureau cannot trace addresses of companies or principals. General information is available upon request which may assist you. ~

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Additional Info

DBAs:

Advocates for Consumer Affairs

CAG

Advocates for Consumer Affairs Experts, LLC

Consumer Advocates Group

Websites:
There are no additional web sites.

Contacts:

Ryan Zimmerman

Antonia Perez (Office Manager)