Source 1, Karmen Kim, Source One, Karitza Kihm, 562-438-6405, 424-224-0727 Source 1's Karmen Kim, Contacted me on my cell phone after I tried to apply for a refinance loan online. Kim claimed that she can modify any loan she convinced me to pay $3500 up front and never contacted my mortgage company or modified my mortgage instead put me further behind. This company is a scam and Mrs. Kim is a con artist & the lowest scum scum on earth. Long Beach California

Source one & Karmen Kim, Contacted me on my cell phone after I tried to apply for a refinance loan online.  Kim claimed that she can modify any loan but needed to speak with my mortgage company first.  I signed a 3rd party authorization form and sent it off to her.  Later that day she called me saying she spoke to my mortgage company, the attorney's representing them and said she will be able to modify my loan no problem.  She promised us a conference call with my wife and I, a conference call with Mortgage Co. and finally a conference call with the attorneys handling the mortgage foreclosure proceedings. Mrs, Kim asked I send her $3500 ASAP because the attorneys only gave her 24 hours to lock in the modification terms.  I told her I did not have this kind of money.  She responded saying, I will have to call the attorneys and tell them to move forward with the foreclosure proceedings.  I panicked and offer a 3 installment payment plan.  During the payment period I repeatedly asked Kim for a status on our Modification but she never gave me a real update only excuses.  One day my mortgage co. called me to see what my intension were with the property.  I said we are modifying an application should have been submittal by Source one.  He said an application was never submitted they did get the 3^rd party authorization but no application.  I later confronted Kim via phone, voice message/text she claimed it was submitted online and will resubmit again in two days’ time. 

After a few days I called Kim and requested a conference call with mortgage co. to clear this up, she said she’d set it up for tomorrow a 3pm.  She called me a 4pm saying they called her and she didn’t know how to add me to the call.  By this time I was growing very concerned so I called the mortgage co. they said they have not spoken to Mrs. Kim and a conference call was never scheduled.   I started seeing a pattern and demanded a conference call with the attorneys as she promised.   She said once she’s back from vacation she’d schedule it.  She returned from vacation than said she had the flu.  I asked why she has not submitted our application.  She said that the mortgage co. changed all their guideline while she was away and she will now have to re-submit.  I again called them and they told me the guidelines are the same.  At this point I knew this was a scam and started doing more research.  I found that, Source One, has been scamming home owners for years and where sewed in 2012 by 7 home owners.  They have bad standings with BBB and Business consumer alliance.  This company has all my person information and I believe will sell it.  Please help us stop this from happening to another Family.