Complaints
This profile includes complaints for E Mortgage Capital's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 70 total complaints in the last 3 years.
- 35 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:07/12/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Im receiving numerous calls daily from the company, its gotten to a level that would be defined as harrassment. They disguise their number to show as a local number to get me to answer. I block the numbers but they keep calling from new numbers.
Business Response
Date: 07/12/2024
There are several other companies with names very similar to ours so with the information provided I cannot be sure these calls are from our company. Having said that though we have added you to our internal do not call list. If this persists feel free to call ************ and ask for the compliance department as more information can help us resolve the issue.Initial Complaint
Date:07/05/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On July 5th I received an unsolicited text and phone call from this business attempting to convince me to refinance my mortgage with them. They did not use my correct name, and when attempting repeatedly to call the business's published phone number as opposed to the scam likely number I received the contact from I am put in an indefinite hold loop. This business appears to be entirely a scam, and will not respond to my attempts to get them to cease calling me.Business Response
Date: 07/08/2024
We received the prospective borrowers information from *********** as someone who is interested in a mortgage. Many of our clients appreciate that we reach out to them as many times we can offer a ******* deal. Not sure what number was attempted to call but we regularly answer our main line number. From the complaint I can see that they do not wish to be contacted so I have added them to our internal do not call list.Customer Answer
Date: 07/08/2024
I am aware of industry practices regarding solicitation of offers and distribution of information, this went beyond that. I was sent a text message with an incorrect name that has never been associated with me or my address, which I can only assume is a scam. Furthermore, I attempted to contact the business both by phone and by email to remove myself from their contact list; the phone line goes nowhere and just plays hold music (I sat on the line for a half hour before hanging up, 3 times), and my emails received no response. This is a dishonest, shady, scam company and should not have anything close to an A rating.Business Response
Date: 07/09/2024
our main office number is ************. If you did not call this number then I am not sure where you obtained the number that was called. All the information we had was obtained from Trans Union. If that information is incorrect I would suggest reaching out to them. Your number and your email have been added to our do not call list. If you have any further concerns please call the number provided and ask for the compliance department as we wish to resolve any and all complaints.Customer Answer
Date: 07/10/2024
The business still will not answer calls while pretending that it is not their problem. ************ for sure, also contacting ****** to get them removed from maps.Initial Complaint
Date:06/20/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This company has been calling me @ ************ approximately every hour during the day for the past two days, with no end in sight. I've asked every time for them to stop calling, I'm assured that I won't receive any more calls, then ***** minutes later I get another call.When will this stop?Business Response
Date: 06/24/2024
I have added you to our internal do not call list. Please note that up to ********************************************************************************************************** a mortgage. There are also several companies with a similar name to E Mortgage Capital. Please reach out to us if you get calls specifically from E Mortgage Capital. Make sure to confirm the Capital in the name.Customer Answer
Date: 06/24/2024
I received another call from E Mortgage Capital after you said that you removed me from your list.Business Response
Date: 06/24/2024
Hi ******,
I need your help to confirm if it is our company or not. Do you have a loan officer name? I want to make sure this is resolved.
Customer Answer
Date: 06/25/2024
The callers state they are from E Mortgage Capital and hang up when I ask for their name or any other information. I have received more calls today.Initial Complaint
Date:06/06/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Over the past 7 days I have recieved no less the 40 phone calls from several numbers identifying as E mortgage. They use the same script each time. I asked politely to be placed on the *** registry only to be hung up on, told I was a liar, told to go to some ****** form. Only once did a caller tell me he was placing me on the *** list, but it hasnt stopped this machine from calling me no less than 8 times per day. This is abhorrent marketing techniques and I am sick of wasting my time telling solicitors I am not interested and begging to have them stop calling. I have never experienced a marketing initiative like this, I have no idea where you night your list from but do better. I pity your customers as these attempts are rude, intrusive and desperate. Your callers lack skill and customer ability. I wonder how you are still in business. Please dont respond with several companies use this name. We are all smarter than this. Do better.Business Response
Date: 06/07/2024
Based on the information provided I cannot tell if this is our company or not. It is in fact true there are other E Mortgage companies with a name very similar to ours and i have received numerous complaints and investigated and found out it was indeed them. I even had a government regulator confuse us last week about a funded loan that we had no record of and when we contacted the title company it was not us but a very similar name and the regulators apologized for the error. I personally am entering your information into our do not call list just to make sure no calls from us. I can say when calls do come from us many of our customers appreciate it as we many times are able to offer a better deal.Initial Complaint
Date:06/06/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On June 6th 2024 I received an unsolicited text quote from ***************************** NMLS #******* followed by multiple texts to call him back. I called to request STOP the harassing with unsolicited calls. This individual, ***************************** picked up the phone advertised on their site **************** ), did not answer, even though I could hear chatter in his space - and then hung up.I am flabbergasted that a business with these practices continues to be accredited by the Better Business Bureau.Business Response
Date: 06/07/2024
Per your request we have added you to our internal do not call list. We received your information from *********** as someone who is in the market for a home loan. Many of our current and past customers appreciate that we have reached out to offer our services and quite often we can offer a better deal. I have spoken with the loan officer and he would like to apologize. He did not realize the phone had answered and he did try to call you back when he noticed the call had come in.Initial Complaint
Date:05/15/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
E Mortgage Capital sent a text message to a number that does not belong to me with an unsolicited quote for a home equity loan. In the quote they disclosed my full name, credit score, and home value to a cell phone number that was not my own. this is an INCREDIBLY personal level of information to send to an unverified number without first contacting a person and feels highly questionable as a business model.Business Response
Date: 05/15/2024
*********** provided us the number and stated that it belonged to you. I would recommend you contact *********** and ask them to stop giving out whatever number was called or texted. I am adding you to our internal do not call list with the above information providedInitial Complaint
Date:05/06/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This "business" contacted me on May 3rd with an unsolicited offer for a mortgage. The company refuses to communicate with me regarding how it came to be in possession of my personal information. I have a concern that they likely obtained my information illegally. I reached out to the company with a demand to know how they obtained my personal information with no input or request from me, and they have refused to respond in a truthful manner, lending further credence to the likelihood that their actions are criminal in nature. I am also on the National Do Not Call Registry, and should not be receiving spam solicitations, further indicating that this action is likely criminal in nature. In order to satisfy this complaint, I will require this company to disclose in detail how it came to be in possession of my personal information. Otherwise, it is clear that their actions are underhanded and, potentially, illegal in nature.Business Response
Date: 05/06/2024
We obtained your information from Trans ************ *********** legally sells leads of consumers who have applied for a mortgage. We purchased that data from them and reached out to you. Many of our clients find value in the fact that we are able to offer a better deal than the lender they have currently applied with. I understand that you are not interested and we have added you to our internal do not call list.Customer Answer
Date: 05/07/2024
The "business" has not addressed why they violated the National Do Not Call registry by contacting me with unsolicited marketing emails nor how they intend to prevent these types of violations in the future for both me and other victims of their illegal marketing schemes. The claim that I am on some internal do not call list is unconvincing because they are willing to violate federal law, so their own internal policies carry literally no weight. I need to know how they intend to make this right with me.Business Response
Date: 05/09/2024
We appreciate your feedback and value the opportunity to clarify the communication method used.
We acknowledge your confirmation that our communication was conducted via email. It's important to note that email communications are not covered by the National Do Not Call Registry. We obtained your information legally through ************ a practice standard within our industry to connect consumers with competitive mortgage offers.
To ensure your preferences are respected, we have added your information to our internal do-not-contact list, preventing any future communications. We hope this clarifies the situation and demonstrates our commitment to both legal compliance and respect for consumer preferences.Initial Complaint
Date:04/19/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am in the processing of working with my current mortgage company aquire an equity loan. Since they ran a credit check and ordered apprasil this company E Mortgage Capital has been sending me a quotes and making referenses to my credit report. I did not ask for these quotes and I've ask them to stop more than 3 times. The text and phones have not stopped The quotes are coming from *************************** - ****************************** ************Business Response
Date: 04/26/2024
Many of our clients benefit from us being able to offer other options when applying for a loan but we also want to honor anyone's wishes to be removed from contact. I have added you to our internal do not contact list and I have reached out to the loan officer to make sure the contact stops. Please allow a couple days for this information to process in our system.Initial Complaint
Date:04/18/2024
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The company texted me without me ever having contacted them about a mortgage. They use credit bureaus to create a list of people for them to spam call/text and bother people having their credit pulled for mortgages. I would like to be taken off of their database.Business Response
Date: 04/18/2024
There are several other companies with the name E Mortgage so we aren't sure if this is our company or not but to be on the safe side we have added you to our internal do not call list. Credit bureaus legally provide us with information about customers shopping for a mortgage and many of them are happy to hear from us as we often are able to offer a better deal, but having said that we also are more than happy to honor anyone's wish to be put on our internal do not call list.
Customer Answer
Date: 04/19/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
*******************
Initial Complaint
Date:04/10/2024
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I saw the exact same complaint on 3/7/24, to which the company replied they were ending this campaign immediately. I can confirm that never happened, as I received the exact same text message.This seems very suspicious and misleading. Just as the last complaint stated, all parts of the text message pushed urgency, exactly as scammers do.The unsolicited text message made me very uncomfortable, and put a bad taste in my mouth.Business Response
Date: 04/12/2024
As I stated in the previous response on 3/7 a vendor set up that campaign without corporate approval. We do not tolerate that. I have reached out to this party to see if they are getting messages from E Mortgage Capital or E Mortgage Funding (which is not us) I spoke with my team and was assured going forward the language in the messaging was changed.Customer Answer
Date: 04/12/2024
This practice is in general (cold texting people who do not want any business with you) is disgusting. Remove me from all contact lists.Business Response
Date: 04/13/2024
We have added you to our internal do not call list. I was hoping to speak with you to track down further information. Your information was provided to us by the credit bureaus as someone who is shopping for a loan. We work very hard to honor peoples wishes. I would suggest because the credit bureaus are selling your data you may want to sign up on the national do not call registry so other mortgage companies don't contact you as well.Customer Answer
Date: 04/17/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
***********************************
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