On April 20th I found myself a single parent with all the bills and everything that comes with that. I found out My mortgage payments were behind, so I called to make arrangements to bring my account current. Centex made agreements with me but never kept them. For example They made a agreement with me to send a extra 200$ a month to put aside till it made a full payment. They miscalculated the fund and instead of catching up listed me another month behind. I Do not what their people do all day but its definitely not communication within there own company.
So again we made another agreement to put my past due at the back of my loan and that I would be current and only owe the upcoming month on time. Well they did not put the full amount of past due to the back of the loan, and failed to inform me that i still owed the prior month then drafted a payment from my account causing my bank account to over draft and cost me over 600$ in fee's. When I called the district supervisor spoke with me it took me over 10 min to figure out what they had done. She would not give me her name only said she was the district supervisor, she yelled at me the hole call. I asked her to send a letter stating the draft was in error so that I would be able to make my payment and she refused.
This was a unauthorized draft also. She said it was part of the agreement but it is not listed on the agreement anywhere nor was I informed of such at any time. She was trying to make me feel like I'm a bad person and it was all my fault that I didn't know even though I was not informed by them of the truth. There motto is 'if they are behind they are scum to us"
The truth is they don't give a damn about anyone if your payments are not ahead of time and if your not their customer anymore, they just blow you off and treat you like #. I will never deal with this company again. Hell is more pleasant then there customer service is. So I will be refinancing shortly. I also have filed a small claims action for the bank fee's they caused and pursuing the hole fraud issue for drafting my bank without authorization.
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