Fairbanks Capital Corporation! What a SCAM! This is the most unprofessional company we've ever dealt with in our lives. They hold the 2nd mortgage on our home - what A NIGHTMARE! It all started Day 1.
No statements.....we'd send our check....it wouldn't be processed for up to 15 days once it was CASHED!!! (we started sending them certified, but they STILL didn't process them correctly) - then the late fees would be added!
THEN, so-called "drive by" assessments, because "your loan is 20 days past-due", which would cost another $150 for which the requested documentation was NEVER sent.
Yeah, right, you drove by my house and assessed it?
Here's a classic.....we were charged $250 for an "interior assessment". I asked how could someone possibly have assessed the interior of my home wihtout my knowledge? Fairbanks answer "they looked in your windows"!!!!!! CAN YOU STAND IT??!!!
Somehow, incredibly and according to Fairbanks, our homeowner's insurance expired (another classic because....the premiums were current and PAID for) but Fairbanks went ahead and added additional charges for insurance (WHY?! we already had the appropriate coverage!)THEN, payments were returned with a note stating they "weren't in the proper amount" because Fairbanks had applied our regular monthly payment TO THE LATE FEES, INSURANCE, and "OTHER CHARGES"!!!!!
And then of course, we get foreclosure notices because "we're not paying our montly payment"!!!!
Ridiculous!!!!! and FRUSTRATING!!!! We can never get a straight answer or any documentation from this company.
They said we were in default and started foreclosure proceedings, to stop this we paid what THEY said we owed, even though we filed a dispute with the customer advocate department -from whom we NEVER HEARD A WORD or any response to our REPEATED written requests for balance history, payment application, etc.
SURPRISED? Don't be.....According to our records, we've OVERPAID Fairbanks $3000 TO DATE!!! This company is driving us crazy! HELP HELP HELP!!!
no response, Pennsylvania