Valley Credit Express, LLC ratings, reviews and complaints - Foreclosure Consultants

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:

We have received no complaints against this company.

Complainants allege unfullfilled contracts, and inability to contact the company. Customers complain that despite being told that loan modifications had been successfully negotiated, lenders reported no modifications had been arranged. In some cases complainants allege they were charged for appraisal services, however, no appraisal services were performed, or that telepone numbers provided as a means of contact are disconnected or no longer in service.

The company responds to most complaints by denying they failed to perform services, and refusing refund requests. In some cases they advised complainants their cases had been referred to third parties or attorneys for processing. Some complaints are unresolved meaning the company failed to properly address the complaint allegations or their response was inadequate.

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 Valley Credit Express, 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

This company's business is providing foreclosure consulting and credit repair services.

Primary Contact:	Patricia Williams
Business Started:	5/6/2008
Social:

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Licensing

As of our last verification on April 25, 2008, we could find no evidence of registration or bond with the California Attorney General's Offiice as a Credit Repair Organization. Also we could find no evidence of a license with the Department of Real Estate for Valley Credit Express, LLC.

To verify registration and bonding for Credit Repair Service, contact the California Attorney General by writing to; DOJ. Att. Public Inquiry Unit, P O Box 944255, Sacramento, Ca. 94244, by calling (916) 322-3360, faxing 916-323-5341, or visit their website at www.ag.ca.gov.

To verify licensing with the Department of Real Estate, contact the California Department of Real Estate by calling (213) 576-6984 or visit their website at www.dre.ca.gov.

Government Actions

BCA has no information regarding government actions at this time.

Comments and Analysis

Companies that offer loss mitigation, loan modification, or foreclosure consultant services generally offer to stop foreclosure on homes and/or assist in restructuring the mortgage. Some companies may imply that they have an affiliation with a mortgage lender or with a government agency. Despite such claims, these companies do not have affiliations with any government agency or any special relationship with your mortgage company. Generally, mortgage companies will only deal with the borrower on any issue related to the loan.

Complaints concerning similar offers allege that these companies misrepresent their ability to stop foreclosure, fail to perform services as promised, and generally refuse requests for refunds based on non-performance.

California Law requires that any person who visits your home or solicits, induces, or causes a California resident property owner to contract with, or pay any consideration to a foreclosure consultant must have a bond from a surety in an amount equal to at least twice the fair market value of the real property that is the subject of the contract. In addition, the representative must hold a valid California real estate sales license. The representative must also provide the consumer, in writing, under penalty of perjury, a statement attesting that they are properly licensed and bonded. Failure to comply with these requirements renders the contract void. By law, the contract must also provide for a three-day cancellation right, and no money may be collected prior to performing all the services set forth in the contract.

If your written contract does not inform you of your right to a refund or your right to cancel, you may cancel the contract at any time, without regard to the three day time limit. The Better Business Bureau suggests that property owners first speak with their lender before engaging a consultant.

California law prohibits a company from collecting fees in advance, except in cases where the company has had their Advanced Fee Agreement approved by the Department of Real Estate.

Other Considerations

Our files show disconnected phone numbers, returned mail or both. The company appears to be out of business. We cannot trace addresses of companies or principals. General information is available upon request which may assist you.

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Additional Info

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