RateGenius

dbatl2012 

on Creditkarma

11 years ago

They did get my rate lowered BUT .... I received a mailer from Rate genius for a "Pre-Qualified" refi on my car with Xcel CU at 8.5% my current rate is at 10.95. I applied online and it took about 2 or 3 days to hear back from them. I got an email stating that I was "approved" however it was NOT an approval for the actual refi but approved that they would work with me. The next day I received a phone call from the rep who was very courteous and I grilled him about the entire process. He was upfront and told me that they woul... read more

Knights324 

on Creditkarma

11 years ago

Know What You Are Getting Into 1. My rate and payments went down. That is the whole reason I refinanced. 2. Everything can be done online so it's easy. 3. I was not contacted during the time frame that I discussed with the representative, Morgan Motley. I addressed the issue and he argued with me and told me that I wanted to be called throughout my work day. 4. I was told to submit a check for $40 to open a savings account at Air Force Federal Credit Union. The fee from AFFCU is $5.00. The additional $35.00 is unaccounted fo... read more

Anonymous 

on Creditkarma

11 years ago

Disclosure form Why does the disclosure paperwork have an e for estimate next to the rate, payment and term? I'm a bit nervous knowing this is an estimate. Thirst numbers should be final at this point. Not hearing back from loan officer Rick. Anyone else? 

DKFIRE 

on Creditkarma

11 years ago

$30.00 fee ???????? Im being asked to send a check for $30.00 made out to rategenius for a membership fee? 

Anonymous 

on Creditkarma

11 years ago

They will trick you!!. After receiving my statement showing what I was being charged for I saw an additional fee for around $800 for each of my vehicles. I found out that Rategenius had me singed up for GAP and Life insurance. The problem is I wasn't aware I signed up for this nor did I want this coverage. After checking out my paperwork I found out what happend. After talking to the loan officer (with nothing being mentioned about GAP or life insurance) he put my loan documents together and sent them to me with instructors ... read more

Anonymous 

on Creditkarma

11 years ago

suspicious Applied.. hours later accepted. Sent me the paperwork and the numbers don't match I would end up paying more with them even with a lower monthly payment. Asked the rep to explain he said he would get back to me asap... 3 emails and 2 calls later.. nothing.... 

Anonymous 

on Creditkarma

12 years ago

Check and recheck the numbers. On the border of harassment. After declining the refi option that was offered, they continued to call and email me with insults and accusations. Beware. 

Anonymous 

on Creditkarma

12 years ago

Don't bother I applied 2 months ago with Rate Genuis to refinance my auto loan, I filled out the application, and got a call a few days later with approval. I was excited the rates and payments were alot lower than what I was paying. THe loan officer said he was going to get things moving, I'd get an email with a bunch of paperwork to fill out, which i'd have to do ASAP and mail back to them. Once they received it, they could process it. I was told to NOT pay my current loan, because they'd get a pay off amount. I did all of... read more

Anonymous 

on Creditkarma

12 years ago

FRAUDULENT WARRANTY PRACTICE I used them to refinance my car, bought the SUPREME warranty, no other better, mirrors factory warranty, then went to use it,...found RateGenius had sold me the SUPREME warranty but purchased an inferior warranty. They made all the money in between. If you buy a warranty, make sure you get what you were sold, not the cheap one they will buy without you knowing til you go to use it. Pure wire fraud here. Criminals in my opinion.