• Report: #693298

Complaint Review: Green Tree Servicing LLC

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  • Submitted: Wed, February 09, 2011
  • Updated: Thu, February 24, 2011

  • Reported By: shannon c — hudson Florida Virgin Islands (US)
Green Tree Servicing LLC
PO Box 6172 Rapid City,, South Dakota United States of America

Green Tree Servicing LLC They are refusing to replace home after fire, want to keep money to pay off mortgage leaving disabled vet with wife and two kids on land with no home Rapid City,, South Dakota

*General Comment: Truly sorry for your troubles and health issues, but...

*Author of original report: Results so far....

*Author of original report: It is true..

*Consumer Comment: 65 years old & a 5 YO child???

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We have our mortgage through Green Tree Servicing LLC and according to their automated system, we owe 63,372.39 if we pay it off by February 19th of 2011. On December 14th 2010, we had a fire. Our insurance is through Citizens Insurance company. Citizens has told us today on the phone that they are going to list our home as a total loss. This is a 1996 Redman Manufactured home. I called Green Tree today to ask where I send the check to so we can replace the home with one of equal value. Green Tree informed me that we need to endorse the check from the insurance company and they will apply this to our loan. We questioned this because our policy was written to repair or replace the home, not to pay off our mortgage. The policy limit is 60,000. They said their company policy is to put the insurance money toward the loan. I explained to them that my husband is a disabled Vietnam Veteran in a wheelchair, on 24 hr oxygen and has severe lung issues and no immune system due to his injuries in service. I was told that they could do a collateral replacement which was explaied to me would mean putting a new manifactured home on the lot of same value. This is what we had in mind anyway, to replace home and continue the mortgage. I was told we needed to make this request. I said yes wewould like to do this. A phone call placed to the adjuster a few hours later, not to myself said the request was denied. Green Tree expects us to give them the insurance money and still have a balance to pay monthly and live on the land with no home or try to rent another place on top of this. This is not in our budget of soc sec. and va benefits. Right now we are living on the generosity of friends who have given us a TEMPORARY place to stay. Our only option is to pitch a tent on the property with all my husbands medical equiptment and 2 children ages 5 and 11, or to go live at a shelter. This does not make sense. We are NOT behind in our mortgage. Why is a company like this allowed to get away with this kind of behavior? The point of insuring your home is to protect you so you do not end up homeless. Not to pay off your mortgage and live in a shelter or tent. I guess the owners ans shareholders of Green Tree Servicing LLC do not care about our veterans and their families or anyone else that they do business with. This in my opinion is a truly ruthless company without a heart!

This report was posted on Ripoff Report on 02/09/2011 07:21 PM and is a permanent record located here: http://www.ripoffreport.com/r/Green-Tree-Servicing-LLC/Rapid-City-South-Dakota-57709/Green-Tree-Servicing-LLC-They-are-refusing-to-replace-home-after-fire-want-to-keep-money-693298. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
2Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 General Comment

Truly sorry for your troubles and health issues, but...

AUTHOR: Robert - (U.S.A.)

...how is it even possible to owe $63,000 on a fifteen year old mobile home?

Are you sure that your payments are being applied properly?

Green Tree is another of those mortgage servicers with a "reputation". It might be a good idea to have your account audited or something.
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#2 Author of original report

Results so far....

AUTHOR: shannon c - (Virgin Islands (US))

Ok, I went over our origional contract and it states that if the house can be repaired or restored then we can do those things. Our policy stated to repair or replace. Well under the definition of restore replacement is a valid option. It took getting our local senator and newspaper involved bit Green Tree did agree to a collateral swap. That means that they are allowing us to purchase another home with the insurance money and continue with our payments as long as we sign new home over as security. So we will no longer be homeless and will have a safe home for my husband, myself and our children to reside. And we will continue with our current mortgage. Sometimes you just gotta push and do whatever you can to get your voice heard.
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#3 Author of original report

It is true..

AUTHOR: shannon c - (Virgin Islands (US))

i worked as a painter all my life. I was 52 when I met my wife who is 30 years younger than I am. She had a 3 year old son whom I have helped raise since and consider my own. When I was in Vietnam I came down with a parasite and it was misdiagnosed so was never treated. I was told I could not have children but turned out VA misdiagnosed that as well and I became a father at age 59. During my wifes pregnancy I started having trouble with my health and that is when we found out about the parasite that has been slowly but methodically destroyng my body. I am at the point now that I am in a wheelchair and on oxygen and have severe health issues but I will continue to fight for my family. They are my joy. If you have ever seen the show " Monsters Inside Me " on Animal Planet you will recognize me from the very first show. I am the Vietnam Veteran they interviewed. When my health went so did a lot of my friends. But my wife has stuck by me and fought for my care every step of the way. She quit her job as a nurse so I would not have to go into a nursing home and be a father. It has been hard financially but she makes it work. If every man had a wife so devoted there would be no divorce. I know God has been watching out for me all of my life and even though I find myself where I am now in this situation and with my health I can truly say that He has blessed me.
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#4 Consumer Comment

65 years old & a 5 YO child???

AUTHOR: jetames - (USA)

I am truly sorry to hear of your loss.
I have a question. 
You state that your husband is a Viet Nam Vet and he has a 5 YO child.
If that 5 YO is indeed your husband's child...he would have to be 60+ years old when the child was conceived.  I find it unbelievable that a disabled, unemployed Viet Nam Vet on 24 hr oxygen would produce not only one, but two children??????? 
Did I miss something?
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