Because I have fell behind on my mortgage payments and not being able to catch up (due to previous debt of being laid off, and mortgage rate being too high in a rough economic climate), I decided to contact a loan modification company to try and get my loan company to work with me.
After talking to multiple law firms and other loan modification companies that wanted to charge me thousands just to talk to my loan company (Kentucky Housing Corporation), a man from The Consumer Relief Center by the name of Tony Sanders contacted me and told me he would help me out. He informed me that he had worked with many KHC (Kentucky Housing Corp) loans, and that he would get my rate lowered for me.
At first, I was skeptical with this company because I hadn't heard of them, they weren't registered with the Better Business Bureau, and there wasn't much about them on the internet except for a few minor reviews from customers. There of course also wasn't anything negative about his company on complaint, either. I asked Tony, and he told me that he didn't join the Better Business Bureau because they were a scam, were trying to charge him $500/month to be a member, and that they had recently let some Al Qaida group register their company and receive a top rating. Totally understandable, or so I thought.
I agreed to Tony's services and a payment play of 3 payments of $200 for his "document fee." I informed him, however, that because of my skepticism regarding his company and lack of information, that I would require all of his services to be completed before I paid him his last $200 payment. He agreed.
It took nearly a week for someone to contact me after that. I was told that a woman would be contacting me regarding information she would need (can't remember her name), and she never contacted me. Then I received a call from the "billing department, " where some man verified the payment plan. Still, no one had called me to get the process under way with the needed documentation/information. Finally, I get a call from a guy named Omar a week later.
Omar told me all of the information I needed, so I gathered it quickly, threw it into a zip file, and sent it over to Tony's email, as his email address was the only one I had. I waited a few days, and I had no response regarding the submission of the documentation. I e-mailed Tony 2 different times without a response, and finally on the third time I got a response saying that Omar would call me again. Omar, of course, calls me in the middle of a work day where I can't answer the phone. I send another email to Tony explaining that Omar needs to call me between the times of 6 and 8 PM Eastern to get a hold of me on a work day. Tony replies with a confirmation. I wait around another 3-4 more days, and still haven't heard from Omar. Another e-mail is sent to Tony, and he replies that Omar will be contacting me soon. FINALLY, almost 3 weeks into it and $200 already paid, Omar finally calls me to confirm that he received the documentation and will be putting together a package for me that will be sent to me in the next week with instructions on what to do next.
1 week passes, another $200 charged to my credit card, and I haven't seen the package. I have emailed Tony Sanders and Omar for almost a month now, and I haven't heard a peep from them. I also still haven't seen the "package and instructions, " obviously. So needless to say, I believe I have been scammed. $400 drained from my pocket books for absolutely NOTHING.
BUYER BEWARE: Please, DO NOT go to Consumer Relief Center for your services of Loan Modifications. They are a SCAM! Their communication is horrible and they take your money and run! I will be reporting their information to their local government officials, as well, and information them of their illegal practices.
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