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I initially received 10/1 arm and 30 year terms for refinance. i wanted the 10/1 ARM and submitted all information, agree to a credit check. I thought I was on good terms after the phone call with Victoria.

this is when things took a turn.

1. Paperwork was for 30 year fixed. 10/1 ARM not available for the loan I wanted?

2. Not 80% loan to value, only 75% on this loan.

3. Activation did not go through.

4. Activation goes through with wrong email address, 30min conversation to get that fixed

5. Finally get into paperwork, want to move forward, Victoria did not give me authorization code. I request paper copies since this is a mess.

6. She (no acknowlegement of problems I have had), dismisses that requests and states most people are able to do the paperwork without difficulties...and it is a law in NJ that an appraisal needs to be completed in a week.

7. One day later, says appraisal must be done in 24 hours? I ask how when I just received that email...no acknowledgement of that either.

8. Sit on it over the weekend, I email. lets move on, I have had a lot of difficulties, again no acknowledgement in her return email, but surprisingly I guess despite the state law, I have one more day to complete the paperwork. I ask if rates have changed no answer. I ask a question about the appraisal twice no answer.

9. I ask to speak to her supervisor, give 2 numbers both are fax machines.

10. call 2 customers service numbers, i am referred to the ny office? they say they cant help me, but then the person tries and I am cut off and have heard nothing.

i would not recommend doing business with them..honestly is it was a ridiculous waste of time.

Reason of review: Poor customer service.

Preferred solution: Let the company propose a solution.

Location: Bronx, New York

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Guest

Wow! I am dealing with Victoria Palella right now and have had nothing but misery, misleading and down and out lying.

Sebonic did a great job with my first loan but Victoria is giving them a bad name!!!

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