On 3/16 I was contacted via email by a company called Mod Pilot. They are a company that says they can help with loan modifications. I did an internet search on them and found that they had received a few complaints and almost all had been resolved. I decided to call them to see how they could help me. Like a lot of people my home is now worth less then half of what I owe. I am disabled and on a fixed income and I struggle to keep my bills paid.
I spoke to Scott Hillier at Mod Pilot. I informed him that I had received application forms from my lender and that I was applying for a loan modification under President Obamas Make Homes Affordable program. Scott told me that since I was not behind on payments that I was applying for the wrong program and not to send in the application. He said they would help me apply for the right program. He led me through their website to convince me that they were a legitimate and reliable company. I was told that for $1995.00 I would get the help of a qualified personal consultant that would put together a package specific to my situation and the they would be there to help me through the entire process and that I would not succeed on my own. Scott told me that I would receive a CD with forms that I could fill out a booklet telling me what I needed to do. I informed Scott at that time that I had a MAC computer. He told me that I would get a CD that was formated for a MAC. So I purchased the program.
I got a call the next day from my assigned consultant, Kindra Garringer. She told me she was putting my package together and she would send it out on 3/18. I received their package on 3/21. What I got was a CD that was for a PC not a MAC and generic booklet of information. The CD was useless and the information in the booklet did not address my specific situation. I sent Kindra an email explaining what I had received and told her I would be calling her on 3/22. I called her as stated and had to leave a voice message. I waited for her to return my call. She didnt respond to my email or my phone call. I called again on 3/24 and after a run around I finally got to speak to her. During our conversation she told me that they did not have a CD for a MAC and that I was applying for the right program and Scott did not know what he was talking about. I felt I had been lied to and I was not satisfied with the material I received. I told her that I wanted to return the material under their 14 day money back guarantee and asked her for an RA# (Return Authorization Number) as stated in their material and on their website. She said that she would put in a request and I would here back from her in 24 hrs. That seemed a little strange but what could I do. After two days with no response I started calling. Nothing but a run around. So I sent an email to the supposed owner Matthew Smith on 3/28 informing him of the situation. The email was forwarded to Kindra Garringer and Paul Jacobson her supervisor and supposed lawyer. Kindra responded telling me that Paul had to issue the RA# and that he would contact me that day with the information I needed. He never did. On 3/29 I sent a reply email to Matt Smith and informed him that he had until 3/31 to respond and give me a RA# so I could return the material or I would go public. No response.
After further investigation on the internet I found out that Paul Stephen Jacobson is a lawyer and is operating an office out of the same address as Mod Pilot. The address is 3168 Lionshead Ave. Carlsbad, CA 92010. There phone # is 888-242-1444 or 760-543-0200. Website: www.modpilot.com pull it up and click on contact us to see their shipping and return policies.
I believe that Paul Stephen Jacobson is operating Mod Pilot using the name Matthew Smith as a front.
Its hard to believe that a person would go to law school and put in all that hard work, take an oath to up hold the law only to go into business scamming people and steeling their money.
I have put together this report using the names and addresses of the people that I have been dealing with at Mod Pilot so others that are contacted by them know how dishonest they are.
Dont do any business with Mod Pilot or any other company or lawyers that claim they can help you get a Loan Modification. Do it yourself. All the information you need is on the internet.
I will keep fighting until I get my money back.
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