We purchased a home from a realtor and used Decision One mortgage company, who one month later sold it to Citi out of Irving, Texas. Of course we have no say in the process. It's been a nightmare ever since. Four times now I have received threatening letters saying they did not receive my payments and that I must now send two payments or they will begin to foreclose.
I call out there and here is a typical response: "Do you want to use your account number or S.S. # to access your account?" (This is not a real voice anyway.) So I enter my account number and then the last 4 digits of my S.S. number. Then the phone rings, and you get a dial tone. So you dial again, go through the process, and finally get a person who says, "Oh, you need so and so."
Well, so and so is never at his or her desk, so you leave a message, and guess what, no return call, again. This goes on for at least a week. It is very difficult when I am working. Then I finally asked for a supervisor, who faxed me a list of payments which actually shows I overpaid. But he gave no name or way to reach him. I sent all cancelled checks, front and back, to their research department before August 1st, and still not the decency of a reply.
What, besides an attorney, can I do? I have a buyer, thank God, and I can't get an accurate payoff. They are trying to rip me off for two months of interest because "we didn't get your check," but I have the cancelled checks. What can we do? Any help would sure be appreciated. I am telling everyone I know to get another mortgage company quickly.
Thank you
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