I have had only two calls from Green Tree - so far. My mortgage was sold to them in Sept. From Bank Of America. We have always paid our mortgage from the 9th to the 14th per month due to when my husband gets his paycheck. We never had any problem with B of A with this. There is a 16 day grace period on paying mortgages and we have always paid within that period. We have being paying a mortgage since 1989.
I am reporting them because I have read much about this company and none off it is good, and I am finding that out to be true. For all the years we've paid mortgage payments, we have never had any one call us demanding the mortgage.
The first call was last month, a message and I called back, only to get a message they were closed. The time stated on their statement was Central Standard Time and I had called one hour before closing time.
This was on a Sat. I send all payments via post office certified mail with a receipt and one can track their mail online and I saw that our payment had arrived, but the postal carrier had to make three attempts to deliver it as no one was there to sign for it. The check was in their office on Friday and they were calling on Sat wanting to know where the payment was.
I called on Monday to tell them the payment was there and that i had documented it with certified mail. The guy got real nice all of a sudden and assured me we were within the 16 day grace period and nothing to worry about, we were't late etc.
I got called again today wanting to know where the payment was and I told them you already have it. I had sent the payment certified, return receipt, express mail. He wanted to know why we were sending the checks out the way we did and I said you get the payment when my husband gets paid and we were well within 16 days. He said he wanted the check number and I gave it to him.
I wanted his name, he wouldn't give his last name, but would give an employee number. I asked for the supervisor name and he gave the full name.By now he was getting irritated. Said that the call was only for asking where the payment was and was trying to hang up and I said, not so fast. I asked where was this office located and he said AZ.
So I said, this is a collection call, isn't it? And he said no (he was getting really mad now) and I said we have 16 days and why were they calling if we have already established a record of payments? I said you call up demanding all this information and I have a right to demand information from you. He said there was nothing more to say and I asked, "this is a collection call isn' it? Why else are you calling?" He hung up on me.
My advice to anyone with Green Tree is document in detail everything. I keep a detailed log of all phone calls, times, names, etc, and all mail receipts and post office receipts and you can track your mail online and I print these out. From other consumer sites I have read many reports of GReen Tree emptying out bank accounts for more than the due amount, plus they charge a lot for an online account. Which is why we refuse to do online payment with these people. As you can see from my experience, they are inept at best, but i suspect strongly they are setting up mortgage holders to be late and to foreclose on them because this is extremely lucrative.
There is something on our mortgage statement called "Corporate Advance Balance" I do not know what this means, as I just discovered it. I have a bad feeling it is a way they are stealing from the principal and therefore not legal. Will be investigating this, and I urge all others to do likewise.
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