Fairbanks Capital Corp
Rude manager overruled payment arrangement and demanded late fees

I want to register a complaint against Fairbanks Capital, located at

Fairbanks Capital Corp.
PO Box 65250
Salt Lake City, UT 84165-0250

Customer Service Telephone Number:
For loan numbers beginning with 7 or 8, call 1-800-944-1212, Monday - Friday 8:00 AM - 8:00 PM EST.
For all other loan numbers, call 1-800-258-8602, Monday - Friday 7:00 AM - 8:00 PM EST, Saturday 8:00 AM - 5:00 PM EST.

When I contacted them in April, I made arrangements with one of their representatives, Fecilia, to make one house payment over the phone. I agreed to call back within 15 minutes to do the payment. I got my checkbook and called back. I was told that she was not available and in a meeting. I called back a little while later and was told again that she was not available. I asked to speak to someone who could help me and explained the situation. I was then put in contact with a Mr. Clevenger, who told me that he was Fecilia's manager and that she had no right to make the arrangements that she made. I told him that I had called in good faith and that, since she was a representative of the company and agreed to the arrangements, I should be able to do so.

He laughed at me and said he had overruled her. He stated that he wanted the 3 payments that were due, along with $1200 in late fees that had been added on. He further called me a deadbeat and laughed again as he said, "You are the one who is going to lose your house, not me." He also said I should never have financed with Fairbanks Capital to begin with. I advised him that I did not finance with them but with Aames Mortgage. I had made the first payment to them, and then they notified me that they had sold the mortgage to Fairbanks Capital and I would be getting a statement from them.

I told him that he couldn't speak to me like that, as the Fair Debt Collection Practices Act forbids using words such as "deadbeat." He laughed again and said, "I am in customer service and I do not have to abide by the laws." He hung up on me. I called back several times and each time I was put through to Mr. Clevenger. Each time he kept hanging up on me. I called back and spoke to him again and asked for his boss's name. He told me she doesn't speak to customers. I asked for her address and he refused. I asked for her e-mail so that I could send a complaint. He stated that she was too busy to read e-mails and would not respond.

In May, I obtained enough money to pay the 3 payments. I called their office back and was told that my account had been transferred to their bankruptcy department since I had filed for bankruptcy. I advised them that I did not file for bankruptcy, but the second person on the mortgage had. They also advised me that I would not be receiving any more statements or correspondence from them since the bankruptcy was filed. I asked them why I would not receive a statement, since I did not file and my name appeared first on the mortgage. They could not give me an answer.

They gave me a number, 800-670-8360, to call. I called and spoke to an Eric Sturgis and made arrangements to pay $6707, or 3 house payments, which I did over the phone. This brought the loan up to date except for outlandish late fees.

I got behind again in June as I had just been laid off from my job on May 15th. I told them I would be getting workers' comp, as I had surgery on April 25th and was still off work when I was terminated by my company. I called on August 9 to the bankruptcy department and made another payment of $2269.00 to cover June. I am going to make another payment on September 3 to cover July. I plan to make the August payment by or before the end of September.

Hopefully I will have the money from my 401K account. I also hope to have a settlement check from my former company's insurance company, which would be enough to pay the September and October house payments. Thereafter I hope to be able to keep current. I have been in touch with a law firm that is filing a class action lawsuit against Fairbanks Capital and I am in the process of sending all the documentation to their San Francisco office. I have spoken with them. I will update more when possible.

Melvin
Dallas, Texas

Company: Fairbanks Capital Corp
Country: USA
State: Utah
City: Salt Lake City
Address: PO Box 65250
Phone: 8009441212, 8002588602
Site: fairbankscapital.com

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