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Integrated Financial Group, Inc.

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Integrated Financial Group, Inc. - Customer Deception in my view
Posted by Zeldaz on 01/25/2013
NEWTOWN, PENNSYLVANIA -- A totally plain envelope came in the mail addressed to me. There was no return address or company name. When I opened it the first line read, "IMPORTANT INTEREST RATE NOTIFICATION". It goes on to say my home loan has gone under review and they have identified new programs that are currently available.

The next line is underlined, "It is important that you contact us immediately after receiving this notice." It then gives mortgage information and a number to contact one of their loan representatives.

There is a BBB seal on the letter, though the company did not show up when I entered the name on the BBB site. There is also an official looking case number.

There is tiny print on the bottom about unsubscribing from further "pre-screened" (their quotation marks) offers of credit from this or other companies. It goes on say that it is not a government form. That leads me to believe the company knows it looks like a government form.

I called the number given and explained I felt the letter was deceptive and especially so for elderly folks who may not understand. I stated I may call the BBB. The response was, "Do what you have to do, ma'am."

I looked up the company online. It is a "consortium" of independents. I called and got a recording. I pressed "0" as instructed and got a recording by the same person. There was another contact number given and, for the life of me, it sounded like the same person with a bit of an accent. All one could reach was recordings.

I am doing what I have to do and writing about what I consider to be deceptive advertising from this company. Please be careful. This is not the only letter of this type.

     
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Posted by BigAl on 2013-01-25:
I get that crap all the time. It certainly is a nuisance but it is better than an unsolicited phone call. I don't know if there is anything you can do about it but it sure does take up a lot of space in my trash can.
Posted by At Your Service on 2013-01-26:
Thank you so much for the heads up.
Posted by zeldaz on 2013-02-19:
Thank you, BigAl. There was something I could do about it! After contacting both the BBB and the PA Department of Banking (whom another company representative told me approves company advertising - this was a false statement), I got a call from a company officer who listened to my concerns. I am no longer on the mailing list and the company is softening the letter content. The blank envelope is a financial decision by the company and will not change. Any blank envelopes I receive go in the trash from now on. It was nice to see that contacting government agencies works!
Posted by Randy on 2013-04-19:
And thanks to you, Zeldaz, for your report. I too received a similar piece of mail and hung on to it because it looked kind of official. But with no company name or government identification, I was suspicious. So I typed the very words "IMPORTANT INTEREST RATE NOTIFICATION" and voila, your review appeared.

As a result, I discarded the letter. Thanks again - it's reviews like yours that have helped me numerous time in the past to avoid these duplicitous marketing techniques.
Posted by Robin on 2013-10-15:
Just got the same letter with the same seals for BBB. Seems like they just do what they want
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