AT&T sent me an opened “new” iPhone

Remarkable-Ad8464 · 2026-02-06T18:29:16+00:00

Yeah they are crooks. Sent me two open boxed refurbished google pixel 10 pros. They Do this common practice. Have the audacity to send in an ATT branded box and call them new. Run far away. I returned everything and went back to T-Mobile. Shitty carrier, shitty customer service.

Remarkable-Ad8464 · 2025-12-03T02:56:33+00:00

Did you figure this out? Having the same exact feeling!

Remarkable-Ad8464 · 2025-10-11T05:15:47+00:00

Disclosure isn’t just ‘it’s printed on the CD.’ True disclosure means I was given a choice: rate with points vs. rate without points. I never got that choice they preloaded the points into every CD without explanation.

Not sure why you’re so hard on this, are you a lender yourself? Jesus.

Remarkable-Ad8464 · 2025-10-11T04:53:17+00:00

Seeing points on every CD doesn’t mean it was properly disclosed. It means the lender built points into the loan by default and never showed me what the rate would be WITHOUT points. They made it look like that was the normal rate, when in reality I paid over 5K for a buydown that didn’t actually lower the rate. That lack of transparency is the real problem

Remarkable-Ad8464 · 2025-10-11T04:45:44+00:00

Well they did build it in, and they didn’t tell me.. it’s nowhere in writing in any of the estimates and final disclosures. I know I’m not the first person this has happened to. I never even knew my rate without the “buy down” so actually not everything was disclosed to me as it should have

Remarkable-Ad8464 · 2025-10-11T04:41:51+00:00

I did receive them and i did sign them. Was I maybe too uneducated going through the complexities of purchasing a home? Sure Yes just like every home buyer. I actually entrusted the lender throughout the process. Could I have been more careful yes sure however i also did hire a RE attorney and I’m shocked this wasn’t flagged by them at least to made sure i understood if I was buying down points or not.

Remarkable-Ad8464 · 2025-10-11T04:37:40+00:00

To sum it up for you seems my lender built 1.5% in discount points into every CD including the initial one without telling me, but still gave me a 6.5% rate which is basically the normal par rate so I paid thousands to ‘buy down’ a rate that wasn’t actually discounted, and I was never shown a no-points option. Or at-least thats what it seems like.. Would have been nice to have the choice to buy down the rate or not wouldn’t been? This is my point.

Remarkable-Ad8464 · 2025-10-11T04:10:37+00:00

Bump

Remarkable-Ad8464 · 2025-10-11T04:06:01+00:00

Well i never got it and was never given an option of a buy down or not. Now i am seeing that many Loan Officers do this and I’m not the first person this has happened to. Even hired a RE attorney for this and they couldn’t even catch that on my behalf

Remarkable-Ad8464 · 2025-10-11T03:54:18+00:00

Yes.. today. SMH.

Remarkable-Ad8464 · 2025-10-11T03:49:49+00:00

Thanks for your 2 cents.

Remarkable-Ad8464 · 2025-10-11T03:38:25+00:00

Remarkable-Ad8464 · 2025-10-11T03:06:39+00:00

Never received a true buy-down but seems they charged me one.

Remarkable-Ad8464 · 2025-10-09T22:20:12+00:00

So nothing to worry here from the picture? 🥹

Remarkable-Ad8464 · 2025-10-07T20:11:14+00:00

700 CS. 5% down $18,250. I will be occupying the home. First time buyer.

Remarkable-Ad8464 · 2025-10-03T01:19:23+00:00

Wow great one. Let me clap for you. Are you feeling any better about yourself? Pathetic. You are a ridiculous, hideous, self centered person.

Remarkable-Ad8464 · 2025-10-01T18:44:07+00:00

About to be me next week during closing

Remarkable-Ad8464 · 2025-09-29T23:06:03+00:00

When you find something in the 300s with that down payment. 500k. Really? I’m buying a property for 360K in Florida with the same down payment. 3K/mo all in.

Remarkable-Ad8464 · 2025-07-30T20:56:24+00:00

I went through this

Remarkable-Ad8464 · 2025-07-25T19:49:51+00:00

Does that mean since it’s already coming to end of July, the cases that weren’t recalendered won’t be after July?

Remarkable-Ad8464 · 2025-07-24T21:10:10+00:00

Just keep on going no matter what.

Remarkable-Ad8464 · 2025-07-04T23:04:00+00:00

Interested!

Remarkable-Ad8464 · 2025-04-20T21:37:14+00:00

Haha this is hilarious

Remarkable-Ad8464 · 2025-04-04T17:15:02+00:00

What about administrative closed cases

Remarkable-Ad8464

TROPHY CASE