- You’re not imagining things—most companies are banking on people giving up after a few rounds of “We regret the inconvenience.”
- Liability is definitely a big part of it, but honestly, I think a lot of reps just aren’t empowered (or trained) to admit fault.
- I’ve only ever gotten an actual written admission once, and it was buried in legal jargon. Felt like finding a four-leaf clover.
- It’s exhausting but worth pushing back—errors can really mess with your credit if left unchecked.
- You’re right to question it. Way too many mistakes just slip through because folks get worn down. Don’t let them off easy.
I get where you’re coming from, but I’ve actually seen a few lenders own up to mistakes—sometimes it just takes a different approach. Instead of pushing for a written admission, I’ve had better luck asking for a corrected statement and a note in my file. It’s not as satisfying as a formal apology, but it gets the job done and protects your credit. Honestly, most reps are just following scripts, but if you get to the right department (usually “escalations” or “executive resolutions”), things move a lot faster. Not perfect, but it’s worked for my clients more than once.
Yeah, I’ve had my fair share of back-and-forths with lenders over the years, and I’d say you’re spot on—sometimes you just need to get the right person on the line. I’ve never gotten a formal “we messed up” letter, but a corrected statement and a note in the file has saved me a headache more than once. It’s not perfect, but like you said, it protects your credit and gets things squared away. Just wish it didn’t take so much persistence sometimes... you’d think they’d have a smoother process by now.
Just wish it didn’t take so much persistence sometimes... you’d think they’d have a smoother process by now.
Right? You’d think with all the tech these days, they’d have figured out how not to lose a payment or misapply escrow. I’ve had clients who got mystery charges pop up out of nowhere, and it’s always a marathon of hold music and “let me transfer you” before it gets fixed. Honestly, sometimes I wonder if they make it this hard on purpose...
It really does feel like a test of patience sometimes. I’ve seen folks get so frustrated they just give up trying to fix the mistake, which is honestly what worries me most. Even with all the “convenient” online portals, it’s still a mess if something goes sideways. I wouldn’t say it’s on purpose, but it sure doesn’t feel like they’re in a rush to make it easier for us. Just gotta keep pushing—paper trails and screenshots help a ton, even if it’s a pain.
