Denied (conditions-blank) 3/18/20
I emailed and left a message for my MC within minutes of receiving my second denial but no response by the end of yesterday.
It was frustrating and a little heart breaking to see this status with no explanation as prior to this, my only condition was volunteering. I was fully expecting (putting the cart before the horse) to get into the next purchase class schedule for today and get started on the next process of this journey.
3/19 Contacted the NACA virtual help to inquire about the blank conditions. Their response was “work on student loan payments and demonstrate saving before resubmitting file”.
This again brought about strong emotions as both of these things had been addressed in great detail before the first UW submission. Lets assume that the UW identified that I hadn’t yet completed my volunteer activity and denied my file based on that the first time. Should it have taken 96 hours from my MC submitting the file to get that response? With 96 hours I would assume they would have looked at the file and identified any other barriers to qualification.
I immediately called member services (local office wasn’t open yet). I spoke to a wonderful women who was able to provide additional clarification. She was able to explain that my MC had already gone back and forth with the UW on the shock savings part. The last note was my MC response but no reply from UW. The second part was UW instructing MC about using the student loan repayment calculator if a letter could not be obtained from student loan provider. I immediately resubmitted the letter already in my file and tried to get ahold of my MC.
The front office answered and was able to tell me my MC had been working on my file this morning but was with another client currently and would call me later today. I want to first state that I have no issues with my MC and do not think any of this is his fault. My frustration is the lack of transparency with UW. Had they immediately just put it in my web file, I could have started some LOE or resubmitted documents. Blank conditions really seems unreasonable. And before anyone asks, the first time I was denied with conditions, there was a link I could click on to see the conditions, there was no such link or alternative to view the conditions. I’m not sure if this is a technical issue or planned. From my point of view I am working with my MC to satisfy the UW. Too much time is lost with only MC being able to see the conditions. What could be addressed within a matter of minutes takes the MC longer since they have many other clients and it then takes hours or days to get back to us with something that takes little time for us to accomplish. We don’t fully realize the back and forth the MCs do for us behind the scenes, however, more transparency might go a ways in both directions on smoothing out the process.
It seems like it is a wash to get into the purchase workshop this week so hopefully next week. I did ramble on a bit but I feel that the more detailed feedback we are able to provide NACA, the better NACA can identify isolated problems or something that may need to be addressed nationally.
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