I was researching some comments made by others about Greentrees collection tactics. I was actually a few payments behind due to unemployment, and as soon as I got another job, I contacted Greentree to set up payments every other week (each pay day) which was automatically deducted from my account until the payments were current.
During that time the payments were set up, they changed the amount that was due, apparrently because of some taxes that they paid on the house that I did not authorize them to pay. I was told that the payments were being split into 15 equal payments, and that they had already applied one of those payments to a monthly statement that I had already made arrangements in advance to be paid. They never contacted me about this until the payment on the "extra" charge was late, then wanted paid immediately.
I received all kinds of conflicting statements after that which showed all different amounts that were due, and after 30 days of this "extra" charge being late, which I didn't know about until after it was 30 days late, I was sent a notice saying that my account was "seriously past due" and that the house that secures the loan may have action taken against it to protect their interests.
I have had this house for ten years and it has been "owned" by three or four different companies, which I found out were the same company that changed their names over the years to avoid different lawsuits about "sketchy" and improper financial reporting in order to foreclose on properties prematurely (most of them after an eight to ten year period, when they made almost 85% of the payments on interest and the principle of the loans were the same or exceeded the original loan amount).
I have gotten phone calls, after speaking with them and trying to sort out matters, up to six times in the same day. When you tell them you don't have the money today, calling you constantly that same day is not going to make you have the money that day. I have resorted to "tracing" the nuisance calls with my phone company so that they can see how many times I am being called. They are also not recording the calls, apparently, because they do not give the disclaimer about an attempt to collect a debt and the call may be recorded or monitored... Representative "Matt" and his manager "Jeanine" start the calls by saying "So, have you decided what you are going to do?"
They have sent notices the next day after setting up arrangements with them that they are going to take the house if I do not send in these "extra" past due charges immediately. They ask personal questions of my girlfriend when I am not home, like "what time did he get in last night?" and "what time does he wake up in the morning?" and "why was he up late last night?", and then when I ask them why they need to ask such personal questions, they tell me that she is lying to me (yet they ask the same things of me when I talk to them... Such as "why do you keep getting different jobs?", "why can't you find a job that pays you more?", "where are you going to live when we take your house?", etc.)
When I told them that I was going to contact an attorney about the questionable billing statements and harrassment, they waited two hours then tried to have yet another person call me (after I talked with them 3 times already that day). The high pressure tactics and constant harrassment has to be illegal, and the fact that they send conflicting financial information about my account and the amounts due, then change the story when I go over the account on the phone, has got to be illegal.
These people have a long history of lawsuits and class actions, and I wish I had the chance all over again to not buy this house, because they do nothing but invade your private and personal life, lie about your account, and threaten to take what you have if you don't give in to their tactics. I wish that someone would stand up to these guys. I know that I will be.
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