These people are infuriating. They are unimaginably difficult to deal with. Last September they said they hadn't received my payment so I sent a second check. They received and cashed both in September but continued to charge me late fees and inisist I was a month behind.
It got to the point that all I wanted to do was refinance but they won't even let me do that. I've been trying to payoff the loan for months and they won't accept it. First they said I had to pay additonal late fees. I believe the fees are in error, but I paid just so I could refinance. Then they said I was still a month behind although my bank records show that I should actually be a payment ahead now. Again, I didn't agree but I really want to pay off this loan and be rid of them so I made another payment. Then they said not to make my current payment until the extra "catch-up payment" posted or it would be applied to principal. That took two weeks.
Now my current payment is late and I'm told it will also take two weeks to post.in the meantime, a great rate I negotiated with another lender almost 3 months ago has slipped away.
I can't tell if they are evil or just really tragically incompetent (or both). I've got much better things to do than hassle with mortgage companies but this company leaves no other choice.
In addition to complaining to the FTC, the State of Colorado also receives complaints at:
The Uniform Consumer Credit Code
Colorado Dept of Law
1525 Sherman St.
Denver, CO 80203
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