Fairbanks Capitol Corp. This is an absolutly EVIL Corporation, worse than Enron. Evil dirt bags victimized many consumers Salt Lake City Utah...
Our dealings with this evil entity began 2 days after the tragedy of September 11. This was a few months after our loan was sold to them. The lady who called was very nice, but said "Due to the recent tragedy, we are experiencing computer and payment processing problems. Your payment will show as late, but it will be corrected when things calm down. No late fees will be charged." Little did we know, that they used this digusting tactic to begin their string of 8:00 am phone calls on Saturday & Sunday requesting we pay them over the phone.
We told them that our records show the check had cleared prior to the due date, but the calls continued. We ordered all of our checks (showing payment processing on or before due date) and sent them to the "Customer Service Center", (aka black hole). This should obviously clear up the problem, right? Not with these idiots. The calls continue, but the information we ask & receive is always different. One person says we owe $950 in late fees, and 2 days later they call and say we are 3 months behind on our mortgage payments! Make up your mind! At this point, I figure that they are just incompetent and they can't legally do anything because I have all my records. I continue to accept the ridiculous calls, but they do wear you down.
Now, we want to re-finance. This is when they get really nasty. They know that you can now re-finance and avoid the pre-payment charges, but they come up with amounts owed to them for some outrageous sum. Of course, they will NEVER send you anything in writing, (except the frightening foreclosure letter) They also sent us this stupid video tape!!! Finally, they sent us a check in the mail for our monthly mortgage payment, no letter attached. We checked our records, and they cashed our check!!! I thought it was a refund or something. Now, they say we are in default and have 90 days before they sell my home!!! I think am one of the lucky few out there who found a wonderful mortgage broker who is placing this loan elsewhere (at a much higher rate than I should pay!) to get rid of this absolutly EVIL (only word to describe) corporation.
You bet I will be either joining (or starting my own) class action lawsuit. Feel free to send a re-buttal to this. We all need to band together and write congressmen & congresswomen as well as senators about this company. I'm more than willing to appear on 60 Minutes or Prime Time to expose the crap this entity has started. Good hardworking people do not need to be subjected to this!!!
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