I am posting this complaint against "Genesis Credit Solutions" to hopefully prevent anyone else that is trying to find a solution in finding help from an adjustable rate increase through a Modifiction comany.
We did A LOT of research in looking for a company that could help us obtain a fixed mortgage rate vs. Our adjustable rate. We are not due to increase until late summer but I was told by many people to start the process early as it would help when our time approaches. I received an email from Genesis Credit Solutions and it was impressive due to making the consumer "aware" of what to watch out for from other companies. I contacted the owner, Ed Benko, and we spoke for awhile about the process and things in general. He liked to talk and I thought that was reassuring. We paid our fee of $700 and he had said that he has had success in the past with HomeEq and felt confident he could get us a positive outcome of at least a fixed rate if not a lower one also. He was also a lot cheaper then the other companies and stated he had a refund policy of 50% if he was not able to obtain the request or to obtain a positive alternative. We decided to go with him.
Little things started to catch my attention. He claimed he was SO busy that it was not uncommon if we emailed him that it could take a couple of days to get a response, yet I always had one within a couple of hours. He claims others work with him, yet no one else answers the phone. Small things like that but I dismissed them. I am not the one to sit by after hiring someone to help me complete something. I paid my hard earned money and I feel I should be kept up on what is going on. Everything was fine in the beginning and he answered (same hour usually) my emails. As more time passed and I knew something had to have been in the works, he became more vague in his answers to my emails. I started to get very nervous. Yes, $700 is not a lot of money compared to other companies but it was my hard earned $700. I wanted answers. He mostly responded by saying... It takes time, be patient, etc. Even if I had asked a specific question the response was the same.
I received a "Denial" letter from HomeEq in early March. It stated that "required documents" were not sent in to complete the process of making the decision. I contated Ed Benko and explained my letter and he said they were just "rubber stamping and being lazy" he would contact them. I emailed a few days later for an update and I noticed I was starting to irritate him. I call in my payments to HomeEq (due to them being paid late in the month) and I would ask them how the modification was going and they told me 2x's it had been rejected. When I asked for some detail from HomeEq, which at this point, why would they lie? They weren't doing the modification anyway about when's the last time Genesis was in touch with them and so forth, the dates never matched up with Ed's. I sent an email, which at this piont I'm very frustrated with this ongoing process and he went off the wall. Saying I was calling him a liar and he was a scam. I did use those words but I also said it was "beginning to look that way" I never at that time said he was. He became very unprofessional. I paid him and he argues with me, I don't get customer service anymore. As time goes on the emails become more insulting (between both, but he took mine way more out of context then I did his, I was compared to the simple minded of Jerry, hum) So at the end 4-5 month ordeal, I still did not get a modification and I have to denial letters to back that up. He claims I told him to stop working on my case, yet, I told him HomeEq said to give it up until my rate increases. I asked for my 50% refund and he laughed basically in my face. Used the same jargin of "We worked out butt off, your getting no refund" He was also sending emails he thought were "mean or bulling" to my husband b/c he felt I was keeping my husband in the dark through this whole process. Ok, get serious, tatteling on me? My husband was aware of the whole thing from the beginning, I have a solid marriage and keep my husband informed on everything. But if I didn't, Ed Benko has no place to "inform" anyone in my family that he feeling bullied and abused (exact words) My husband emailed him inquiring about the refund and Ed told him that he didn't feel he should because he wanted to play on my words and he was verbally abuse by me and bullied. Ok, get serious, My emails were not put in that way EVER! Yes, some things I could have said nicer but abused and bullied... OMG!
He told my husband on May 11th and May 26th that he was a good man and he would send out our refund. June 9th today and have not received anything from Ed Benko, Genesis Credit Solutions. Now, I would have to call him a liar.
So future consumers, do not fall for smooth talking companies. You can do the modification yourself. If you fail, THEN hire someone. Do plenty of research and most of all, PRAY you found someone who is a professional, attentive to their clients and will uphold any refund policy their site may claim they honor.
Remeber as we are in dire need of home modifications and restructures don't give up. A solution will come to you. Even if you have been burned by a company such as we have, still have faith.
Good luck to all! Please be careful of who you hire, not all are what they claim they are.
Irritated
houston, Texas
U.S.A.
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