Complaint / Review
Homecomings Financial
Shady: Transposing #'s and applying elsewhere, losing "signed for" payments, threatening letters and collection agencies Dallas Texas

We refinaced our home 2 years ago. It was sold to Homecomings. No problems until the beginning of this year.

We received a letter stating we were behind. We also received phone calls. After telling us the month we "missed" we checked our bank statement and there it was! We faxed the statement to them but it wasn't enough info for the research dept (LOL) so they closed the research and resumed their collection tactics.

We checked with our bank once again and asked for any other info they had for this transaction. (They use electronic check debit and evidently do not retain the records.) The bank gave us one other number they found on their records and it turned out to be a loan number... Though not ours. Two numbers had been transposed. Our house payment had been applied to someone else's acct.

After sending Homecomings the copy of our check with our correct acct.#,
the numbers the bank gave us proving they transposed the numbers and a copy of a bank statement once again it still took them approx. 2 months to fix this. We were the one's that had to keep calling. The research dept. Had many messages to return our calls and we have yet to hear from them.

In the meantime, we were punished from using their internet site to make any and all correspondence. So we mailed it "signed receipt requested". It was signed for in Phoenix, Az at 10:38 A.M.By an employee. This one was not taken out of our banking account but they say they have never received it.

Once again, the "research dept" has yet to respond, even though everything from this transaction was received by them. (All the copies of both trans. Are in their database). And again, 4-6 times a day, we receive phone calls from their "collection dept".

Today, June 8, we received a call from a "Credit counseling service" trying to "collect a debt for Homecomings Financial". The rest our payments have been received. We are now in the process of refinancing our mortgage and getting very, very, far away from this company.

Never use a company with this name: Homecomings Financial.