I am glad to see that I am not alone. Sure wish I would have found this site ealier to help with the mass emailing to the media!
Fiarbanks Capital Corp. Assumed my loan in April. At the time, I was behind with the former lender due to terminating my employment because of disability problems. My previous lender was also a rip-off artist!!! But that is another story. Now, I must admit that this is partially my fault, however, I have been trying now, for over a year, to get my account back on track with invalid responses and information.
After talking to the idiots over the phone for four months and making extra payments, I finally gave up talking to anyone. It was totally ridiculous! I would spend literally hours on the phone with so called "Supervisors" and still accomplished nothing! For example, I was told on April 1 by this so-called supervisor, that they would defer one payment so that I could get on track. When I called back in May to make my payment however, I was told that there was no way that I could have been told by anyone that they would defer one payment? They basically called me a Liar???
They proceeded to tell me that, since I was $81.00 short on my March payment that they put 412.25 towards the principle and the rest in suspense??? This 412.25 didn't even show up on my account until August??? I only know this now because I was able to review my account online through their website. It was so screwed up I finally just hung up the phone.
I made several more calls throughout the year still trying to get on track and even get a statement, which I haven't relieved since December??? Again in August I was told that if I would pay a certain amount over my normal monthly payment, this extra amount would be added to this $800.00 in suspense and that this would again, "Catch me up." Again, I was told that I was talking to a supervisor!!! When I called to make my payment in September however, I was told that the extra money I paid the previous month was put towards the principle and that the $800.00 was still in suspense??? This money has been in suspense since March???
To date I have paid them $17661.50 dollars trying to get caught up. I always pay them exactly what they say it will take to get on track! If you divide this amount by the 14 months that proceeded, I have been paying an average of 1261.53 per month. My Monthly Payment is only 1227.25, and as of today, I was told that I am still 2 month behind in payment!!! Where is this extra money going???
It just doesn't make any sense!!! All i have been trying to do in catch up so that i can refinance with a different lender.
I personally believe that they continue to screw up my account and report to the credit bureaus that I am behind on my payments so that I can't get another lender to touch me! I believe this is an illegal act and that they should be thrown in jail! All I want to do is to get a statement and have my money actually go where I am told it is going!
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