Homecomings Financial Violates Law, Deception, Unethical Practices, Poor Customer Service, RipOff San Diego California

May 31,2006 - Since the last update I made contact with Sarah Roach at (858)505-7289. (9:51 AM Pacific Time)

Once Ms Roach answered the call I recited my account number, name and stating the reason why I am calling. There was a pause, then Ms Roach then asked me if I had an attorney. I gave my answer and then she places our call on hold for over three minutes. Ms Roach returned and stated she could not find the financial package that I sent. I advised her I am calling in regards to the records disclosure request dated May 10, 2006 in which was faxed and mailed first class mail via USPS to the attention of Thomas J. Wolf, Arik Moreno and Janeen R. Hill.

This call was placed on hold once again. After being on hold for over four minutes, Ms Roach returned and refused to tell me anything regarding my account. She advised me that all communications will be directed through the forclosure attorney, Janeen Hill.

I further asked why my account was transferred from Tom Wolf to her. She advised that she has my file now and is handling this account and "that is just the way it is."

I asked for the extension of Brad Johnson, a supervisor at Homecomings Financial Loss Mitigation office in San Diego. Ms Roach refused and futher advised me to get the supervisors phone number from the foreclosure attorney.

I asked Ms Roach to provide me a written statement as to her statements regarding the request of Homecomings Financial to route all communications through the foreclosure attorney, Janeen Hill. She refused again demanding that I contact Janeen Hill.

I have contacted Janeen Hill numerous times only to be "blown off". Like Arik Moreno and Homecomings Financial in general, no calls are ever answered and no letters are ever responded to.

May 30, 2006 - Attempted contact with Sarah Roach, (858)505-7289, in the San Diego loss mitigation office. Her voice mail states she is out of the office from Tue May 23, 2006 and returning on Tue May 30, 2006. Could not leave a message as her voice mail box is full.

May 31, 2006 - Attempted contact again with Sarah Roach. Voice mail still states the same message "...will return on Tue May 30, 2006." And still unable to leave a message.

I call the 800-206-2901 number as instructed by Sarah Roach in her message and I get transfered right back to her voice mail. Thomas J. Wolf refuses to answer any questions regarding my account and Arik Moreno does not answer his phone and NEVER returns any messages left for him on his voice mail. Stall tactics!! I have been unable to speak with anyone from Homecomings Financial about my account.

May 30, 2006 - Attempted contact with Sarah Roach, (858)505-7289, in the San Diego loss mitigation office. Her voice mail states she is out of the office from Tue May 23, 2006 and returning on Tue May 30, 2006. Could not leave a message as her voice mail box is full.

May 31, 2006 - Attempted contact again with Sarah Roach. Voice mail still states the same message "...will return on Tue May 30, 2006." And still unable to leave a message.

I call the 800-206-2901 number as instructed by Sarah Roach in her message and I get transfered right back to her voice mail. Thomas J. Wolf refuses to answer any questions regarding my account and Arik Moreno does not answer his phone and NEVER returns any messages left for him on his voice mail. Stall tactics!! I have been unable to speak with anyone from Homecomings Financial about my account.

May 30, 2006 - Attempted contact with Sarah Roach, (858)505-7289, in the San Diego loss mitigation office. Her voice mail states she is out of the office from Tue May 23, 2006 and returning on Tue May 30, 2006. Could not leave a message as her voice mail box is full.

May 31, 2006 - Attempted contact again with Sarah Roach. Voice mail still states the same message "...will return on Tue May 30, 2006." And still unable to leave a message.

I call the 800-206-2901 number as instructed by Sarah Roach in her message and I get transfered right back to her voice mail. Thomas J. Wolf refuses to answer any questions regarding my account and Arik Moreno does not answer his phone and NEVER returns any messages left for him on his voice mail. Stall tactics!! I have been unable to speak with anyone from Homecomings Financial about my account.

May 30, 2006 - Attempted contact with Sarah Roach, (858)505-7289, in the San Diego loss mitigation office. Her voice mail states she is out of the office from Tue May 23, 2006 and returning on Tue May 30, 2006. Could not leave a message as her voice mail box is full.

May 31, 2006 - Attempted contact again with Sarah Roach. Voice mail still states the same message "...will return on Tue May 30, 2006." And still unable to leave a message.

I call the 800-206-2901 number as instructed by Sarah Roach in her message and I get transfered right back to her voice mail. Thomas J. Wolf refuses to answer any questions regarding my account and Arik Moreno does not answer his phone and NEVER returns any messages left for him on his voice mail. Stall tactics!! I have been unable to speak with anyone from Homecomings Financial about my account.

May 23, 206 - Filed complaint against Homecomings Financial with Federal Trade Commission.

May 26, 2006 - Attempted communications with Sarah Roach at (858)505-7289 with no success. Her voice mail has been changed since yesterday stating she is out of the office until May 30, 2006. Can not leave a voicemail since her box is full. No surprise there either. STALL TACTICS!!...as I read in another complaint.

Wolf Popper LLC, a law firm in New York City, NY is gathering information for prosecuting Homecomings Financial in a class action. Contact them for more info.

May 23, 2006 - Homecomings Financial FAILED to provide the records disclosure request dated MAy 10, 2006. When I telephoned Thomas J. Wolf for a follow up for this request, he advised me my account is now being handled by Sarah Roach (EXT 7289). When I attempted contact, her voice message states she is out of the office until May 25, 2006. Just another "run around", jumping through hoops...Courtesy of Homecomings.

Notice TO:

Homecomings Financial, US Bank NA, JP Morgan, law firm of Frascona, Joiner, Goodman and Greenstein P.C.

In regards to the above listed identification numbers, I am requesting the following information be compiled and sent to the undersigned at the above listed address within 5 business days.

1. All written correspondence dated from September 28, 2005 through May 10, 2006. This includes, but not is not limited to the following:

A) Account statements;

B) All written correspondence regarding the above listed identification numbers and/or the undersigned. This includes, but is not limited to, any and all written communications, electronic communications (e-mail), and facsimile communications which is addressed to the undersigned, any employee, agent or representative of Homecomings Financial Network, US Bank NA, JP Morgan Chase, the law firm of Frascona, Joiner, Goodman, & Greenstein P.C. and the El Paso County Public Trustee Office.

2. All records of voice communications regarding the above listed identification numbers. This includes, but is not limited to the following:

A) All records of attempted voice communication and annotations with the undersigned;

B) All records of voice communications between Homecomings Financial and the undersigned, the law firm of Frascona, Joiner, Goodman, & Greenstein P.C., US Bank NA, JP Morgan Chase, or the El Paso County Public Trustee Office;

3. Any notes or annotations recorded in the database files of the above listed identification numbers. This includes, but is not limited to the following:

A) Any contact between the undersigned and Homecomings Financial Network, the law firm of Frascona, Joiner, Goodman, & Greenstein P.C., US Bank NA, JP Morgan Chase, or the El Paso County Public Trustee Office with regards to the above listed identification numbers.

B) Any and all account annotations, to include, but is not limited to hand written notes, electronic annotations, etc.

Please complete this request within 5 business days from the date of this letter. This request shall be received at the address listed above by the close of business on May 17, 2006.

April 24, 2006 - Court date set for April 24, 2006. I appeared and Homecomings Financial attorney's did NOT show. I advised the Court of the facts, the Court set the matter for a Contested hearing in June. The Court did not sign any Order authorizing the Office of the Public Trustee to sell the property at auction, therefore, the procedings are on hold until then. I did not need to accept a bogus re-payment plan which does not even comply with Colorado state law to place the procedings on hold. Homecomings Financial will try to do anything to get money from you...

April 14, 2006 - Kudos out to Zach! I initiated and made contact with Homecomings Financial and spoke with Zach. When I asked Zach for his last name he simply stated "6681". I have been advised by "Zach 6681" that he does not give out his last name and he is the only "Zach" employed by Homecomings Financial. Zach 6681 did advise he works in the Dallas office. I asked "Zach 6681" for the name of the individual who supervises Arik Moreno. He advised me Brad Johnson, however, he refused to give me his extension.

Again KUDOS to "Zach 6681" for his valued customer service!! For at least I have a name now...

"At Homecomings Financial we partner to create better value for our customers."

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

April 13, 2006 - As requested by Arik Moreno I faxed a written response to the attention of Tom Wolf and Arik Moreno, (858)874-6002. I requested the re-payment plan proposal to be reviewed and corrected to be in compliance with Colorado state law as it currently violates Colorado Revised Statute 38-38-107 with regards to the down payment. As requested, I also included the Colorado Revised Statute that is in question as Mr. Moreno wanted that in writing.

Still no response from Tom Wolf, who can be reached at (858)505-7334.

April 13, 2006 - As requested by Arik Moreno I faxed a written response to the attention of Tom Wolf and Arik Moreno, (858)874-6002. I requested the re-payment plan proposal to be reviewed and corrected to be in compliance with Colorado state law as it currently violates Colorado Revised Statute 38-38-107 with regards to the down payment. As requested, I also included the Colorado Revised Statute that is in question as Mr. Moreno wanted that in writing.

Still no response from Tom Wolf, who can be reached at (858)505-7334.

April 13, 2006 - As requested by Arik Moreno I faxed a written response to the attention of Tom Wolf and Arik Moreno, (858)874-6002. I requested the re-payment plan proposal to be reviewed and corrected to be in compliance with Colorado state law as it currently violates Colorado Revised Statute 38-38-107 with regards to the down payment. As requested, I also included the Colorado Revised Statute that is in question as Mr. Moreno wanted that in writing.

Still no response from Tom Wolf, who can be reached at (858)505-7334.

April 13, 2006 - As requested by Arik Moreno I faxed a written response to the attention of Tom Wolf and Arik Moreno, (858)874-6002. I requested the re-payment plan proposal to be reviewed and corrected to be in compliance with Colorado state law as it currently violates Colorado Revised Statute 38-38-107 with regards to the down payment. As requested, I also included the Colorado Revised Statute that is in question as Mr. Moreno wanted that in writing.

Still no response from Tom Wolf, who can be reached at (858)505-7334.

April 12, 2006 - Arik Moreno initiated and made contact with me. I discussed the validity of the proposed re-payment plan with him.

Mr. Moreno advised me that Mr. Wolf handles all accounts from Colorado and knows Colorado state law. Does Mr. Wolf practice law in Colorado? He further added and assured me that Homecomings Financial would not violate any state law. They already have.

In defense, Mr. Moreno advised me to contact the attorney's office and they would advise me. I mentioned to him that I have contacted Ms. Hill from the law firm of Frascona, Joiner, Goodman and Greenstein, P.C. and she is only involved with the foreclosure action.

NOTE: In the initial written correspondence dated March 27, 2006 from Ms. Hill, it clearly states that any re-payment agreement is between Homecomings Financial and myself and does not relieve any foreclosure action.

As our discussion moved forward, Mr. Moreno became very agitated and began to raise his voice. He would not listen to me as he interrupted me several times. I inquired as to why he is becoming upset and angry with me and raising his voice. He made accusations stating I am being very combative and uncooperative with him and Homecomings Financial.

Mr. Moreno advised me the re-payment plan is fine and refused to rework the plan unless I provide, in writing to him, the actual Colorado state law which supports my request. I advised him I have provided it via FAX to Mr. Wolf on April 10, 2006. I further added I have also provided it on this website for his review as well. I asked Mr. Moreno if he would state his position with regards to the validity of the re-payment proposal and to include any requests to validate the proposal in writing to me and he refused to do so. He stated he will not put anything in writing.

Mr. Moreno has refused to listen to any other complaints I have with Homecomings Financial. Specifically, the right to cure default in writing. I advised him I received no written correspondence with regards to my rights to cure per state law, any telephone calls (not one call) advising the status of the account. At that time Mr. Moreno abruptly ended the conversation. Mr. Moreno, as well as Homecomings Financial, has demonstrated an unwillingness to make any type of resolution to this matter. I am at a loss, as I do not know who to contact at Homecomings Financial to find resolution to this matter.

April 11,2006 - Attempted to initiate phone contact with Arik Moreno, (858)505-7741, to discuss the validity of the re-payment plan as it violates Colorado state law with no success. I left a message for Mr. Moreno to contact me. No return call has ever been received.

I attempted to initiate phone contact with Tom Wolf, (858)505-7334, to discuss the validity of the re-payment plan as it violates Colorado state law. I left a message for Mr. Wolf to contact me. No return call has ever been received.

I attempted to initiate phone contact with Janeen R, Hill from the law firm of Frascona, Joiner, Goodman and Greenstein, P.C. (303)494-3000, to discuss the validity of this proposed re-payment plan as it violates Colorado state law. I left a message for Ms. Hill regarding the legality of this proposed plan. Ms. Hill has been practicing law in Colorado for almost two years and is the subject matter expert in this case as she is retained by Homecomings Financial to represent them in this foreclosure action on my property.

April 11,2006 - Attempted to initiate phone contact with Arik Moreno, (858)505-7741, to discuss the validity of the re-payment plan as it violates Colorado state law with no success. I left a message for Mr. Moreno to contact me. No return call has ever been received.

I attempted to initiate phone contact with Tom Wolf, (858)505-7334, to discuss the validity of the re-payment plan as it violates Colorado state law. I left a message for Mr. Wolf to contact me. No return call has ever been received.

I attempted to initiate phone contact with Janeen R, Hill from the law firm of Frascona, Joiner, Goodman and Greenstein, P.C. (303)494-3000, to discuss the validity of this proposed re-payment plan as it violates Colorado state law. I left a message for Ms. Hill regarding the legality of this proposed plan. Ms. Hill has been practicing law in Colorado for almost two years and is the subject matter expert in this case as she is retained by Homecomings Financial to represent them in this foreclosure action on my property.

April 11,2006 - Attempted to initiate phone contact with Arik Moreno, (858)505-7741, to discuss the validity of the re-payment plan as it violates Colorado state law with no success. I left a message for Mr. Moreno to contact me. No return call has ever been received.

I attempted to initiate phone contact with Tom Wolf, (858)505-7334, to discuss the validity of the re-payment plan as it violates Colorado state law. I left a message for Mr. Wolf to contact me. No return call has ever been received.

I attempted to initiate phone contact with Janeen R, Hill from the law firm of Frascona, Joiner, Goodman and Greenstein, P.C. (303)494-3000, to discuss the validity of this proposed re-payment plan as it violates Colorado state law. I left a message for Ms. Hill regarding the legality of this proposed plan. Ms. Hill has been practicing law in Colorado for almost two years and is the subject matter expert in this case as she is retained by Homecomings Financial to represent them in this foreclosure action on my property.

April 11,2006 - Attempted to initiate phone contact with Arik Moreno, (858)505-7741, to discuss the validity of the re-payment plan as it violates Colorado state law with no success. I left a message for Mr. Moreno to contact me. No return call has ever been received.

I attempted to initiate phone contact with Tom Wolf, (858)505-7334, to discuss the validity of the re-payment plan as it violates Colorado state law. I left a message for Mr. Wolf to contact me. No return call has ever been received.

I attempted to initiate phone contact with Janeen R, Hill from the law firm of Frascona, Joiner, Goodman and Greenstein, P.C. (303)494-3000, to discuss the validity of this proposed re-payment plan as it violates Colorado state law. I left a message for Ms. Hill regarding the legality of this proposed plan. Ms. Hill has been practicing law in Colorado for almost two years and is the subject matter expert in this case as she is retained by Homecomings Financial to represent them in this foreclosure action on my property.

April 10 - I faxed a letter to Tom Wolf, (858)874-6002, advising him I have posted this consumer complaint and I will update the facts daily, whether positive or negative.

My realtor received the requested payoff statement via FAX which contains some questionable figures.

April 10 - Attempted to initiate contact with Arik Moreno supervisor of Tom Wolf at (858)505-7741, with no success. I left voice mail for him to return my call as soon as possible.