I have had nothing but problems with this company from the MOMENT they bought my mortgage in November!
First, when they sent me the information for my first payment... I mailed it like i normally would any other bill, 2 weeks before it was due even!!! The due date was the 1st of the month&when they STILL didnt have it (i checked online and they were showing that they still didnt receive the check) on the 10th of the month... Mind you i sent it 2 weeks before the first of the month... They said they were having problems with there New Jersey PO Box, so to be sure they said i should make a payment online so it is not considered late. So finally when i checked again on the 13th of the month, still nothing, i decided to make that online payment —which costs 10 bucks! How convienent that my original check shows up and they apply it the VERY next day! So now, i have made TWO payments in one month.
Because i made that ONE TIME authorization from my checking account, THEY assumed i would be doing that EVERY month. So they took it upon themselves to enroll me in there automatic payment plan! NOT authorized!
Finally, i get a letter in the mail saying i have a lapse in my insurance coverage (I DO NOT) so they said send proof or we will tack on 100 or so dollars to your mortgage. Well they have received proof 3 different times, and one person i talk to says well we received your policy informaiton but im still showing a lapse, i said you have 2 years of proof of coverage WITH dates on that proof. (the dates they are refering to are within those 2 years worth of coverage) finally a month ago, they said ok we have the proof we will request a refund of the 100 dollars and then when we get that, we will take it off your account. Well i get my statement for the next month, its still on there, so i call AGAIN.
Today, now the person i talked to said they dont have the proof. How can that be? Last month the person told me they did, and the refund was requested, but now all of a sudden they dont have it? This company is a mess to work with, MY ONLY ADVICE IS TO KEEP EXCELLENT RECORDS AS PROOF, because they will screw you if they can!
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