In June Iwas cold called by Al Navarra about help with mortgage loan modification Upon receiving the call, I was uncomfortable with discussing money or my loan until I verified that this was not an attempt at identity theft and asked for a call back in one week. After doing research online, I found that this was a real company and discussed my mortgage situation with Al. When discussing the amount of the service, Al stated that a $495 retainer fee was due before any work could be completed on the case, another fee would be due once the mortgage company agreed to modify the loan, and a third fee would be due before the proper paperwork could be submitted to modify the loan. I asked if I changed my mind about the service, at what point am I no longer entitled to a refund. He stated that once loan information was collected from the mortgage company, I would no longer be entitled to a refund of the retainer fee, but the other fees would no longer apply as well. On or about June 24, I gave Al my credit card number over the phone and was charged $495.00. A few days letter, Al submitted to me a contract for service and power of attorney via email. No where in the contract did a refund policy dispute what had been previously told to me by Al. I submitted the contract and power of attorney to Al. Several days later, I got a letter from my mortgage company (CitiMortgage) stating that they had received the power of attorney but it was not accepted. CitiMortgage would need me to fill out their power of attorney form in order for the company to turn my loan documentation over to Liberty Credit Law. I never signed nor submitted CitiMortgages power of attorney. Additionally, there was quite a bit of personal documents (pay stubs, bank records, tax returns, etc) that Liberty Credit Law asked for. At no time was any of this documentation submitted to them. My financial situation changed shortly after (August) and I felt I no longer needed Liberty Credit Laws service so I called Al Navarra to inquire about the refund process but my call was not returned. On November 6, I received an email from Michelle Matos asking for the personal documents again. I replied to her message, again asking for the process to request a refund. On November 9, I received an email from Marie Eschrich stating that she had received my email from Michelle and asked for me to give her a call. I called the very same day and had to leave a voice mail. She called back and I verbally requested a refund.By November 18, I had not heard back so I emailed Marie again asking for a status and she again replied with a request to contact her via phone. I made two calls and left two voicemails, to which neither had been returned, so I again emailed her asking what more was there to discuss as I was simply looking for a status of my refund. Eventually, she did respond via email, but this time stated that she needed my request in writing. On November 19 I submitted the written refund request. On November 30 I, again, had heard nothing, so I emailed Marie asking for a status of the refund request; no response. On December 2, another refund status request went to Marie via email to which she replied that a letter had been sent to my home. The letter arrived and stated that the retainer would not be refunded because the office had begun to gather documents. This is impossible as I did not submit any to them outside of the contract and power of attorney. The mortgage company rejected the power of attorney so there could not have been any documentation received from CitiMortgage. According to their website, they also operate in the following areas so beware!: Debt Settlement, Bankruptcy Chapter 7, Bankruptcy Chapter 13, Mortgage Compliance, Short Sales, FDCPA Enforcement, Creditor Litigation Defense, Credit Repair, Property Tax Reduction
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