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    NFS Leasing

    1.0 (1 review)
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    Services - NFS Leasing

    Mortgage services

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    2 years ago

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    Salem Five Bank

    Salem Five Bank

    (7 reviews)

    I am so beyond frustrated with Salem Five. For years I have tried to support local banks, despite…read moremy interest rates being lower and some quirks when dealing with customer service. Salem Five has soured my taste so bad that I will be banking with the big, evil corporations from here on out. I pulled all of the money out of my CD in April - Salem Five kept renewing me at a .02% interest rate CD, and only giving me a 48 hour grace period before locking my money in for another 6 months. At this time, I pulled all money out of my Salem Five accounts and requested that no transactions be allowed to overdraft my account. For months I have had a subscription overdrafting the account. I have called and spoken with customer service reps multiple times, only to be given excuses. The last time this occurred, I IMMEDIATELY transferred in money to cover the charge...but nope - still a 35$ NSF fee. What a joke.

    Where to start. Do not do banking here:…read more 1. Will not reimburse fees. I've called and showed up in person about $20 fees for extra withdrawals from my savings account. They say it's a federal regulation but I'm pretty sure it isn't anymore? 2. Service sucks. I've been hung up on from the banking side, and I inquired about a mortgage with them only to have two of their mortgage lenders ghost me on two different occasions. 3. No notice of service changes. My contact info was up to date and they didn't tell me about the overdraft fees or that they were wholly changing my checking account type when I turn 24. Benefits and fees on it completely would change, they didn't feel the need to let me know! 4. The app barely works. Don't try to use this app abroad, it's hopeless. I have to enter my password every time and can't use Face ID. Inside the app it also barely works. As a high schooler I could build a better app. 6. Transaction times are very slow to see money when interacting with banks outside of Salem five. I often have to manually verify those under $1 amounts and it takes about an extra business day to move money from what I've noticed. 7. Savings account interest rates aren't competitive. They tried to sell me CDs which are nowhere near as liquid as a savings account. I was shocked they tried that. 8. General benefits aren't competitive like atm reimbursement fees, foreign transaction fees, etc. when I try to ask about these they can normally not help much and conflate the two. 9. This is not a cutting edge bank. They were super late to get the chip in 2016/2017, I've noticed the trend continues but my card does have a chip now. 10. ALL of these complaints are despite being a Salem Five customer for well over 10 years, and having my parents also be Salem five customers for well over 20 years. I don't know what it takes to earn professionalism and respect but loyalty and service certainly won't get you there. Pick a different bank, I know I am.

    TD Bank

    TD Bank

    (5 reviews)

    The tellers at TD Bank are consistently slow, unhelpful, and often rude. Basic transactions take…read morefar longer than they should, and customer service is lacking.

    I work from home and this TDBN was local and trying to drum up new "small business" customers so a…read morefriend and I decided to bite. I'm gonna try to skip the story-telling and just explain what went wrong. It's ok to assume that everyone has been friendly and all that, this is about *business* practice. 1. The person who opened my acct made a mistake on the forms. Soon after, they said that in order to correct it, they needed me to come in and sign new forms. I didn't know his operational procedures so I didn't know this meant closing down that first account and opening up a new account. So, soon after, checks arrived and I needed to use one quickly so I opened the box, tore one off and went to make a deposit in a personal acct at another bank. The check bounced and I got bounce fees. It took me a bit to figure out why my other bank received the message, "no such account" -- the checks from the NEW acct soon arrived. I was never told, and had no way of knowing that the checks from the first acct (the one they had to close) were already in process and on their way. I didn't know I was using a check from that account and I didn't want anyone thinking I did that on purpose. Fortunately, the bank manager removed the bounce fee on the TDBN side and paid the bounce fee on my other bank's side. I appreciated that but it was a huge inconvenience. 2. I have an online business with a Paypal acct under my online business name. I associated my new TDBN with it via Paypal's established, proven, verification process. Five, or six, online subscriptions I was paying via Paypal all canceled because TDBN refused to allow Paypal to draw from my TDBN account. They stated it was because the names on the accts did not match up. They never said anything about this when I was signing up even though I'd told them I was going to be doing business online. My online business is one name and I needed to be able to draw from multiple accounts for different categories/classes of online purchsases. This was NEVER an issue with my other bank. I asked that since I am verifying it is mine, could they just note the account, but they couldn't. I was told I had to open up a new account with the same name as my Paypal account. Well, anyone in business knows that a parent company can have multiple LLCs and you want to draw from the right account when paying online. They could not accommodate this and all my online subscriptions canceled and I had to tediously set them up again with my other bank. 3. I miscalculated on my checking balance. Fair enough, most of us have. But they let about 20 small/med point-of-sale purchases go through that cost me $600 in overdraft fees. The total I spent was $600. So, $600 over 20 debit card purchases results in $600 in fees? How long does it take them to shut off the card and tell you to call them? Apparently, after they've made a good profit of a simple, human error. For some reason, I didn't receive notice of this right away and by the time I got something in the mail, I was preparing to leave for a 6-wk vaca. I called them and told them I was going away and would deal with it when I got back. They didn't tell me that they tack on $35 every 5 days it remains unresolved.. so there's another $240+ tacked on to the $1200, when I'd spent only $600 and they had THIRTY opportunities to stop the overdraft. I was so livid at this point that, admittedly, I added salt to the wound by not dealing with it immediately after getting home. So, instead of just calling me and saying, "Your acct is overdrawn, we really need to get this done", they turned it over to collections and it suddenly became like $1700 and growing. Situation not yet resolved. I know there are 2 schools of people on this last point: 1. Those who say, "You made a mistake, pay for it."; and 2. Those who say, "It's a business relationship. And, it's good to know what one of their clients went through. Besides, $600 into $1700 is just plain usury. My issue with them is that, in point 2 above, when it came to covering their own asses, and hurting mine, they responded immediately and did not even notify me right away. I only found out about my subscription cancellations when the online companies notified me. But when it came to HELPING me, and simply shutting off my debit card somewhere in the first 10 overdraft transaction, they were nowhere to be found. Each overdraft was a nice $30 profit for them. So, they can be perfectly pleasant in the building but when it comes to some serious detailed, and even pro-active, customer service, I know the sting of how inadequate it was; and that it's not too much to ask for because my other bank is famous for it. Sorry (my other bank), I've learned my lesson!

    loanDepot - Judy Cronin, Senior Loan Consultant NMLS#1114361

    loanDepot

    (10 reviews)

    Awful. Our mortgage papers were full of errors. Our contact (David Bolton) lied about the time…read moreframe he would accomplish the mortgage in. He often hit reply, rather than "reply all" making communication and keeping everyone in the loop difficult, and adding delays. Delayed our tight deadline by starting to drafting a 7 year ARM for us (that we never asked for. We wanted a 30 year). Often would take days to respond. "Overnighted" us packages that took four days to get there. Lied about what time he got documents. Cost us an 1/8th of a percentage point because of delays and speed bumps in communications, and nearly cost us our deposit because of dishonestly relating the time frame he needed to get things together. Was generally a stressful situation. Would not use again. Got locked into using them by our real estate agent (another story of its own). Would not deal with again. Fun reading here, if you're interested: http://www.boston.com/business/news/2013/10/09/state-officials-order-mortgage-master-inc-pay-administrative-fine/WyJgSfSWAKMVtob4JeiT0M/story.html

    Definitely can't speak highly enough of Ryan Wallis. Being a first time home buyer I did not know…read morethe first thing about a mortgage or what I could truly afford per month. From beginning to end (even going as far as showing up for our loan closing) Ryan was a true professional. I have a great rate and am living in my dream house. Thank you to Ryan and the entire Mortgage Master team!

    NFS Leasing - mortgagelenders - Updated June 2026

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