First off, I'm a property manager. I'm in the industry and know how it runs on the other end. I'm looking for a home because I was relocated to Jacksonville.
We applied for a home we fell in love with. We were told the application takes up to 48 hours and to keep an eye on our emails for additional information. around 48 hours on the dot, we received our income verifications and completed them within 30 minutes of receiving. We were told again, it would take up to 48 hours from this point to verify.
A little over 48 hours later late in the evening, I get an email stating our application was denied due to income. That is all the information I was given. Knowing that's impossible as I'm well overqualified on my own and also had my co-applicants income as well, I called. I was told it was due to a minor discrepancy on my co-applicants income, she used to be married and her name wasn't changed. Again, I meet the income requirements easily on my own, but I get it, if we have it on the application it has to match. However, if I didn't go out of my way to call we would have just been denied over a slight clerical error that was easily fixed. We were told the divorce decree was not needed, we would need to change the name on the bank account.
Next day, we schedule the name change at her bank, it's scheduled for the following day in the afternoon. We change the name and I reach out to Progress as I was told, to now be informed since WE didn't update THEM within 48 hours of the denial, the application needs to be reapplied. I was then told I could have just submitted the divorce decree, which we would have done IN THE FIRST PLACE, since we had it available and used it to change the name on her bank account.
I was then told the application was being reapplied since I uploaded the divorce decree for them, and it would take up to 48 hours (if you haven't caught on, just remove the "up to"). I called the next day because the application still said denied, and I wanted to make sure it wasn't denied again somehow. I was told it was still pending and would update once it went through fully. I called the day after as it was still denied, and was told the same thing. FINALLY AFTER THE "48" mark I called AGAIN, and was told it was NEVER REAPPLIED and she live on the phone hit a button and magically it changed to pending on my screen. And you already know it's gonna take ANOTHER 48 HOURS FROM NOW BABY! WOOOO.
Cut to 48 hours from then, and now they resend the income verifications. For some reason mine does not connect to my bank account like before, my coapplicants went through fine. I called to explain the situation, and was told that since my income verification was just done they should be able to re-use it, since the issue was tied to my coapplicant and hers was updated. I was told they would not need my bank statements, and that the application was being flagged and expedited due to my issues.
The next day I was told they did need my bank statements after all. So I submitted them and called. I explained the situation and was told since I submitted it so early and it was expedited it should be by end of day, if not call back. Called back the next morning, was told by end of day again. Cut to today, I called at 10am (48 hours on the dot from when I submitted bank statements), and was now told it was re-flagged as an emergency and is being expedited, and to call back at 1pm. Called back at 1pm to someone literally saying they had no explanation, it was out of there hands, they had no timeframe update, and no information. I got transferred to the applications line, and was told the exact same thing. I asked for a manager, was put on hold for 10mins and told there was no manager in and would be given a call back. I bet. I was told that before and never got a call.
I was told if I extend my move in any farther I would get a fee. Now they changed their tune, but I have everything scheduled and can't. I'm supposed to move in less than 48 hours per the timeframe they forced on me, and have no information.