FAIRBANKS CAPITAL Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported

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1, Report #38417
Dec 16 2002
07:52 PM
Fairbanks Capital ripoff Jacksonville Florida
Fairbanks Capital posted our checks after the 15th of the month and charged us late fees. In September 2001 I paid them $2500. ahead and they continued to charge me the late fees. Anytime I called, I would get the complete brush-ff. I talked with some very rude people. In March I got a notice that they had not received my payment which was sent in the first of the month. i continued making my payments. In May they returned my March payment making my account 60 days in arrears. I then received a notice from Foutty and Foutty that I was being sued and I owed them $7000. Now we are $12,000 behind. We filed chapter 13 to try to save the house in October but our payments will be so high, it will be impossible to meet. We will be losing our home of 30 years. I am on a disability. Fairbanks needs to be dealt with severely. Can anybody help us? Mike Mishawaka, IndianaU.S.A.
Entity: jacksonville, Florida
2, Report #82226
Feb 28 2004
11:25 AM
Fairbanks Capital ripoff Jacksonville Florida
Fairbanks Capital Corp. holds payments in order to charge extra interest to your account and does not apply extra payments to the principal. I have sent extra money in on payments only to have it disappear. I call the company but get transferred around and then hung up on. I have requested accounting statments and never hear from them. When I send my payment in, it took 2-3 weeks for them to process it but the last payment I sent in, it only took 3 days, due to the fact that their is a class action law suit against them. I have paid over 800 dollars extra which has not been reflected in my payments. Anna Unionville, VirginiaU.S.A.
Entity: Jacksonville, Florida
3, Report #35260
Nov 15 2002
09:35 AM
Fairbanks Capital ripoff Jacksonville Florida
I have gotten several relief from stay of abandament letters from this company. We had to file bankruptcy and had gotten behind. We did catch completely up and the very next month I got another letter. What is wrong with these people? The right hand doesn't know what the left hand is doing, or either they don't care. Something needs to be done about this, and soon. What can we do? Please let me know and I will take the steps to make it happen. kathy lauderdale, Mississippi
Entity: Jacksonville, Florida
4, Report #31678
Oct 02 2002
02:24 PM
Fairbanks Capital ripoff Phoenix Arizona
I am trying to pay my loan off and they sent a payoff request to my lender that I'm going to be going through and the payoff was $3,000 more then it should of been. They can not tell me why all the fees had been added but they say they are legit, I'm not getting anywhere with them and they threatened to send my payoff check that my new lender sent them back to the company and they are not going to honor the check because it was $3,000 short of what they say I owe them. I have had all rude customer service agents that are not willing to help me. I'm fed up with them they money you to death. michele portland, Oregon
Entity: Phoenix, Arizona
5, Report #28527
Aug 30 2002
12:16 PM
Fairbanks Capital ripoff Hatboro Pennsylvania
I want to register a complaint against Fairbanks Capital located at Fairbanks Capital Corp. PO Box 65250 Salt Lake City, UT 84165-0250 Customer Services Customer Inquiries How to Contact Us Customer Service Telephone Number: For loan numbers beginning with 7 or 8, call our Customer Service Representative at: 1-800-944-1212 Monday - Friday 8:00AM - 8:00PM EST For all other loan numbers call your Customer Service Representative. 1-800-258-8602 Monday - Friday 7:00AM - 8:00PM EST Saturday 8:00AM - 5:00PM EST When I contacted them in April of 2002, I made arrangements with one of their representatives, Fecilia at 215-347-2461. I made arrangements to do a payment over the phone to make 1 house payment. I agreed to call back within 15 minutes to do the payment. I obtained my checkbook and called back. I was told that she was not avaiaable and in a meeting. I called back a little while later and was told again that she was not available. I asked to speak to someone who could help me and explained the situation. I was then pit in contact with a Mr. Clevenger, who told me that he was Fecilia's manager and that she had no righ to make the arrangements that she made, I told him that I had called in good faith and since she was a representative of the company and agreed to the arrangements then I should be able to do so. He laughed at me and said I have overruled her. He stated that he wanted 3 payments that were due along with $1200 in lated fees that had been added on. He further called me a deadbeat and laughed agained as he said, you are the one who is going to lose your house not me. He also said you should never have financed with Fairbank Capital to begin with. I advised him that I did nto finance with them but with Aames Mortage. I had made the first payment to then and then they notified me that they had sold the mortage to Fairbanks Capital and I would be getting a statement from them. I told him that he couldn't speak to me like that as the Fair Debt Collection Practices Acts forbids using words such as dead beat. He laughed again and said I am in customer service and I do not have to obide by the laws. He hung up on me. I called back several times and each time I was put through to Mr. Clevenger. Each time he kept hanging up on me. I called back and spoke to him again and asked for his boss's name. He told me, she doesn't speak to customers. I asked for her address and he refused. I asked for her e-mail so that I could send a complaint. He stated that she was to busy to read e-mails and would not respond. In May, I obtained enough money to pay the 3 payments. I called their office back and was told that my account had been transfered to their bankruptcy department since I had filed for bankruptcy. I advised them that I did not file for bankruptcy but the 2nd person on the mortage, E---- P----- had filed. They also advised me that I would not be receiving any more statements or correspondance from them since the bankruptcy was filed. I asked them since I did not file and my name appeared first on the mortage why I woul not receive a statement. They could not give me an answer. They gave me a te# 800-670-8360 to call. I called and spoke to a Eric Sturgis and made arrangements to pay $6707 or 3 house payments which I did over the phone. This brought the loan up to date except for outlandish late fees. I got behind again in June as I had just been laid off my job on May 15th. I told them I would be getting workmen's comp as I had surgury in April 25th and was still offwork when I was terminated by my company. I called on August 9 to the bankruptcy department and did another payment for $2269.00 to cover for June. I am going to do another payment on September 3 to cover July. I will or plan to make August payment by or before end of Septemeber. Hopefully I will have the money from my 401K account. I also hope to have a settlement check from my former company's insurance company which would be enough to pay September and October house payment. Therafter I hope to be able to keep current. I have been in touch with a law firm who is filing a class action lawsuit against Fairbank Capital and I am in the process of sending all the documentation to their San Francisco office. I have spoken with them. I will update more when possible. Melvin Dallas, Texas Click here to read other Rip Off Reports on Fairbanks Capital Corp Read below why a phone number or link was removed from this Report *EDitor's Comment The reason why we have removed links, e-mail address or phone numbers from this report is because people have, in the past, attempted the following, ...all too often. Posting LINKS Many times links to unknown web sites will cause your pc to freeze up and /or cause you to get a computer virus, virtually rendering your computer useless. Most of the time, this is the work of a Company or an Individual who has been reported. Many Government links are no better than the BBB and are just a waste of time, giving you false hope. Many government sites (like the BBB) just collect all information from you, the consumer, but never make that information available, so consumers will NOT be educated as to what exactly they should be looking out for. On the other hand, many government agencies have and do come to the Rip-off Report for information. We have been assisting many government agencies for some time now, including the FBI and Attorney General offices from around the country.. Now that all these Rip-off Reports are out in the open for everyone to see, in a way, this embarrasses these agencies into doing something when they see so many reports on a Company or Individual, because they are now out in the open for all to see. Unfortunately, many (not all) Attorney General Office's and government agencies will not move against a rip-off unless there is going to be some sort of publicity on the rip-off. By reporting your experience on the Rip-off Report, is the next best thing to getting your story on TV or in a newspaper. Most national TV networks and many local TV stations from all around the country come to the Rip-off Report for information they will not get from the BBB, Attorney General office's or any other government agency. Rip-off Report has instigated many local and national stories, resulting in help for victims, in one way or another. Most government agencies will never even bother with rip-offs unless it involves $50,000 or more. Now that the government is cutting back even more dollars for these types of programs, this number will even get higher and we can expect even less to get done, by even less people to work on all these rip-offs. LAWYERS : We have also struggled with the following for a long time.. The reason why we delete phone numbers, ..all too often unscrupulous lawyers or individuals posing as lawyers are collecting victims information to only further victimize them. Many times, well-meaning consumers think they are going to collect names and get them to a lawyer who will do something. In every case we have allowed a consumer victim to do this, nothing has ever came of it. Consumers were under the impression that something will be done to get them help. In every case this did nothing but lead the consumer on, further victimizing them, and some consumers were mad at us. We feel it is our responsibility to check the legitimacy of the lawyer before advertising their service on the Rip-off Report. We will also not allow lawyers to use this web site for free when they will end up taking a large amount of fees, leaving the victim with very little. There are many competent lawyers out there that know how to get the unscrupulous Companies or Individuals who ripped you off, to pay their fees. Those lawyers capable of this can post their numbers after checking with us here at the Rip-off Report. POSTING YOUR E-MAIL ADDRESS: For similar reasons as mentioned above, we will not allow individuals to post e-mail addresses, so they can be contacted for more info they claim they cannot post. If that person can contact YOU and get the information, so will everyone else be contacting you anyway, and, if it's good enough for them to receive it by contacting you, then you should be able to post that information for everyone to see and know about. And, many times, in an attempt to get your contact information, consumers will leave an email address; this is just a ploy to sell you a product or some other service. Most likely, you will end up on other junk mail lists. ..if they have something to sell, they should place an advertisement showing support to Rip-off Report.com so we can further help consumers. ADDITIONAL NOTE ...about our advertisers: As an extra added precaution to our readers, even all our PAID advertisements are checked out to the best of our ability before allowing them to be placed on the Rip-off Report. WE have turned down many advertisers to date. Advertisers on the Rip-off Report know, they are not immune from a Rip-off Report being filed on them. How many times do you see Rip-off companies advertising on TV and in publications when you know there are so many complaints about them! We welcome your feedback on this subject. Click on the REBUTTAL BOX below and submit a Consumer Comment so everyone can see. ED Magedson EDitor@RipoffReport.com badbusinessbureau.com www.ripoffreport.com
Entity: Hatboro, Pennsylvania
6, Report #57911
May 21 2003
09:39 PM
Fairbanks Capital ripoff Jacksonville Florida
Capital claims that they did not receive my mortgage payment back in September. I have sent their research dept. all information and documents that showed that payment had been made. My bank even sent them documentation to verify that payment had been made. To this day, they are still sayiing that I am a month behind in my mortgage payments, and continue to add on late fees. I went to my lawyer and he tried to contact them, but unsuccessful. So he told me not to worry about it unless they try to take me to court. I no longer receive threatening letters, but I'm sure that my credit report shows that I am behind on my payments every month. If there is a law suit, I'd like to be included in it. Classie sarasota, FloridaU.S.A.
Entity: Jacksonville, Florida
7, Report #104508
Aug 19 2004
05:12 PM
Fairbanks Capital ripoff Dallas Texas
I'm Melissa and I help Fairbanks Capital Corp rip people off in Dallas. I hold up closing so they can either collect the earnest money or collect late charges for not closing on time. Both my company Republic Tile and Fairbanks Capital Corp ARe ripping people off. Not only do we take houses and foreclose on people but then resell them and ripoff the new purchasers as well. I want to hear from you because I'm a crook too! 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. Melissa Richardson, TexasU.S.A.
Entity: Nationwide
8, Report #146296
Jun 15 2005
12:00 PM
Fairbanks Capital ripoff Walton Hills Ohio
I had purchased a home for my brother to live in. This was in the Fall of 1998. January 1-1999 my brother had a massive stroke. He ended up in a nursing home and just passed away May4-2005. It was a small loan $15,000 with a payment of $220. Within 2 years the mortgage was sold 3 times. I never missed a payment. July of 2003 I mailed the payment to the current lender not realizing it had been sold again. The check was returned to me with the address and lender to mail the payments to. I then mailed two payments to the new lender Fairbanks Capital. June and July. In late August I was mailed a foreclosure notice demanding over $5000.00. I called knowing this was a mistake but to my disbelief it was true. The balance at that time was around $11,000. We had homeowners insurance, they put in place forced placed insurance. Lucky for me I was able to sell the property in October 2003. Two months after the sale and the loan had been paid off people from Fairbanks Capital went to the house demanding the keys. The new owners had to show the closing documents as proof that they now owned this home. I am still trying to get back what is owed to me late fees,attorney fees,insurance refund we just remailed proof of homeowners insurance. Not to mention our credit has taken a very bad hit. I've been in the banking industry 30 years. People that I talk to can't believe this situation. This home was in the Cleveland Ohio area. Michele walton hills, OhioU.S.A.
Entity: Walton Hills, Ohio
9, Report #11285
Jan 11 2002
12:00 AM
Fairbanks Capital Corporation
Sadly, I must agree with the previous posters regarding this company. Sadly, also, we had no choice in the matter, as our loan was sold to them from a previous lender. I've been having to call them every month since they bought the loan to make sure my payments are posted on time, make them reverse the late charges, etc. Requests to speak to supervisors are met with disgust, and more often than not, the supervisor is walking the floor and cannot come to the phone right now. Could he call you back? Trying to get out from this company is also a nightmare, when you look at the outrageous fees they charge for payoff quotes and the like. Also, expect to recieve threatening phone calls from the collections department, starting the day after the printed due date on your statement. These may continue for days, and may also occur days AFTER your payment has been posted to your account! If forced to deal with this company, I suggest the following: 1) document any and all phone calls/correspondence, etc. I have been doing so for the last six months, and have some excellent ammunition for my next step (harassment lawsuit). 2) dont be afraid to keep asking for what you want, whether it's a last name, full names of supervisors and managers and their phone extensions, or just a return call. After a week of making a pest of myself, I finally got thru to a person that was 80% able to handle my problem (as opposed to the regular CS people that can do mabye 10%) 3) send any payments registered/express/overnight mail. Yes, it's an extra 12 bucks out of pocket every month, but it's the only way to verify when they've recieved the payment, and you'll need this evidence to force them to post the payment on the day actually recieved, rather than when they damn well feel like it. 4) some of the supervisors have very thin skins. One wrong word or nose snort from a customer, and you risk being hung up on. Try to keep your tempers in check, and hold your tongue when they make little whiney noises when you ask them to honor their policies. 5) be patient within reason. today is jan 11. I started working with their people (if you can call it that) on December 17 to get the current problem sorted out. I have talked to 7 different CS people in the loan department, 2 collections agents, and one supervisor (who hung up on me after I commented on his whiney noise). As of today, my problem has finally sent to their cashiering department for correction (late posting on a payment). We'll see if they follow through... As with the previous posters, get out while you can. Then check with your local legal aid society and see if your treatment qualifies as harrasment under the law. I did, and it looks promising!
Entity: hatboro, Pennsylvania
10, Report #38426
Dec 16 2002
09:02 PM
Fairbanks Capital ripoff fraud business Jacksonville Florida
Can anyone tell me if any lawsuits are in Maryland, Fairbanks needs to be put out of business I really cant believe they can get away with this, we have to have rights. Please if anyone konw of any lawyers in my area, please let me no. Thanks Robin Savage, MarylandU.S.A.
Entity: Jacksonville, Florida
11, Report #58695
May 28 2003
12:16 PM
Fairbanks Capital Corp ripoff Hyattsville Maryland
Fairbanks carried one account as two accounts. I had constant harrashment calls, letters after letters. They were very rude. Even tho they knew that the account they were forclosing on was closed they went forward anyway. Fairbanks Capital Corp filed for for forclose on my house. My attorney attemted over and over to stop their action by faxing to them the court document indicating that the case was no longer open. They said that they would conduct an investigation and did not forclose. They also took out flood insurance on the account that did not exist as well as the existing account. When they closed out the closed account they dropped the insurance therefor dropping the insurance on the open account. Fairbanks increased my mortage payment on the open account but dropped in because I no longer had insurance on the non existing account and said that they would only refund my payments after I show proof of insurance. But, they were the one that took out the insurance. Rolline Landover, MarylandU.S.A.
Entity: Hyattsville, Maryland
12, Report #58928
May 29 2003
11:10 PM
Fairbanks Capital Corp. ripoff Jacksonville Florida
Fairbanks are trying to take our home. Jannet gulfport, MississippiUnited Kingdom
Entity: Jacksonville, Florida
13, Report #58899
May 29 2003
06:31 PM
Fairbanks Capital ripoff fraud business Hatsboro Pennsylvania
* Attention Louisiana residents* ..... If you have been victimized by Fairbanks Capital (or affiliations)in the state of Louisiana, please contact me at: I have helpful information. I also am trying to get the news stations involved. I see your names in the paper weekly but have no way to contact you. PLEASE help me stand up to this company and let them know that we WILL NOT take this lying down!!!! Thank You, Kelly Wilson, LouisianaU.S.A.
Entity: Hatsboro, Pennsylvania
14, Report #58569
May 27 2003
05:31 PM
Fairbanks Capital Poor Customer Service Jacksonville Florida
Fairbanks purchased my mortgage from Conseco Finance back in early March. I pay half payments every 14 days which means I end up making one EXTRA full monthly payment every 12 months. I received a threatening letter back in April stating that I CAN LOSE MY HOME because they stated that I did not make my March payment. I sent several copies of checks front and back from my bank that clearly shows that they were cashed by Fairbanks. Yes, this does include MARCH. I called tonight to see what has been done. I was told by JULIAN at customer NO-SERVICE that the research department takes up to 60 days to review complaints. It did not take them 60 days to send me a threatening letter!!!!! I asked to speak to the research department and I was told that they can only be contacted by Fax. Now I see why FOX channel 13 out of Tampa and other affiliates nationwide have done reports on FAIRBANKS. THANKS FOR THE AWARD WINNING CUSTOMER SERVICE SKILLS. Joe Brooksville, FloridaU.S.A.
Entity: Jacksonville, Florida
15, Report #24980
Jul 20 2002
07:54 AM
Fairbanks Capital Corp. ripoff JACKSONVILLE florida
My home was reposessed by NationsCredit on 12/4/02. Fairbanks Capitol Corp. acquired my cancelled NationsCredit Mortgage. Fairbanks Capitol Corp. is sending me Loan Statements, with my NationCredit account number. The statement always displays the same payment amount and the due date of 02/01/01. But, does not state that a payment is due. I have tried to contact Fairbanks, they do not respond to my letters. Fairbanks has never given me an explanation of why I am receiving Mortgage Statements on a cancelled Loan. I cannot find a web address for Fairbanks. The phone number is an automated system. I am scared that this is some sort of statue of limitations thing or that they are setting up a false liability on a closed account. Aletta Davis, California
Entity: JACKSONVILLE, Florida
16, Report #53849
Apr 21 2003
07:56 PM
Fairbanks Capital ripoff Nationwoide USA
I have had 3 late fees in the last 6 months. I do not receive the monthly statements, only the late notices. I have finally caught on and am mailing payments without statements. We will see how that works out. They charge a $15 fee to take payments on the phone or online. Also, if you pay online, there is an additional charge. What is up with that? Cindy Decatur, IllinoisU.S.A.
Entity: Louisville, Kentucky
17, Report #53637
Apr 19 2003
07:21 PM
Fairbanks Capital ripoff fraud scam Utah USA
FAIRBANKS CAPITAL CORP.(JACKSONVILLE, FL & SALT LAKE CITY ,UATH PAYMENT COUPON USES TWO DATES . TOP PAYMENT FOR THE NEXT MONTH/BOTTOM DATE SHOWS PAST MONTHS , EVEN IF YOU DON'T OWE ANY PAST MONTHS. JACKSONVILLE FL/SALT LAKE CTY U Florida/UTAH ..... We began to refinance immediately after discovering Fairbanks payment coupons containing two dates. We also discovered my parents had 2 houses listed on same warranty deed, and we corrected the mistake by two corrective deeds. One house we live in with no mortgage(but,it has a recorded Declaration of Homestead) and one house with a Fairbanks mortgage transfered by Equicredit. After much Harassment/frustration we decided to Quit Claim in Lieu of Foreclosure. But, Fairbanks/Equicredit mortgage went to the warranty deed attachment that had two houses in different areas of town. They checked off both houses as if they had hit the motherlode, they sent a foreclosure from a Florida lawyer. When responding to their foreclosure on a Quitclaim in Lieu of Foreclosure house. They promptly addressed an amended document still trying to attach our unmortgaged house, but they added a new defendant who has been long dead. We will join any lawsuits against these people. Pat PERRY, FloridaU.S.A.
Entity: Jacksonville, Florida
18, Report #37700
Dec 09 2002
07:10 PM
Fairbanks Capital Corp ripoff Louisville Kentucky
They try to take money that does not belong to them outlandish ripoff late fees ..... It all started when I faqil behind I send them the late fee,s then I get aletter in the mail that they want 1,492.45 I call the mand ask them why they received my house payment. So they tell then I owe them to late fee,s for December and I owe them for to drive byes and ademand later. I told them I was not sending them all of that and they said I would be paying interest on it daily until I paid it in full. They ask me all these questions when I tell them I am not giving all of this information they tell me not to be rude . I was not being rude I was just tell them I was not giving them all of this information I was calling aBOUT the they had sent .Tahat's when she told me everything else. Brenda Springhill, FloridaU.S.A.
Entity: Louisville, Kentucky
19, Report #37324
Dec 05 2002
05:37 PM
Fairbanks capital ripoff Salt Lake City Utah
Fairbanks Capitol made my life a living hell over the last few years. They are liars,thieves,and the worst pile of scum on the planet.Anyone who can can establish a class action lawsuit against these gangsters will get a place in heaven. Edward Duluth, Georgia
Entity: Salt Lake City, Utah
20, Report #49541
Mar 17 2003
02:51 PM
Fairbanks Capital rip-off Jacksonville Florida
I had refinanced my house through a normal mortgage company and they unfortunately sold that mortgage to Fairbanks Capital Corp. Because of all the low interest rates I was hoping I could refinance at 4.75% for 15 years except there is a 10% penalty on my loan if I refinance within 3 years. I have called and asked about refinancing through them except they do not do any financing. If this company is able to buy peoples loans then they should have to service them also. If they do not want to be in the financing business and purchase loans then they should have to service them, if someone wants to refinance then they should do it or sell the loans. They will not give any staight answers except to say TO BAD. This is not how businesses should be allowed to operate. Ron Minneapolis, MinnesotaU.S.A.
Entity: Jacksonville, Florida
21, Report #41662
Jan 15 2003
08:07 PM
Fairbanks Capital ripoff dirty SOBs Jacksonville Florida
I have been going through the complaints about Fairbanks Capital. I too lost my job and fell behind. I was finally able to catch it up. But, have recently fell behind again due to lack of employment. I agree the Reps are rude and talk to you any way they want. It has gotten so, I hate to even answer my phone. With EquiCredit, you could request payments be put to the back of your loan. But NOT with Fairbanks. I have been paying, but can't seem to catch up the one month I am in the rears. You would think they would work with homeowners with the way the economy is today, and try to help. I did get a lot of comfort knowing that most of us are NOT going to take losing our home. If there is a way for us to join together in this fight with Fairbanks, please include me in. Bette Decatur, GeorgiaU.S.A.
Entity: Jacksonfille, Florida
22, Report #44258
Feb 05 2003
12:18 PM
Fairbanks Capital Corporation ripoff Jacksonville Florida
I requested a payoff statement from Fairbanks September 25, 2002 and was informed that it would take five (5) days for this report to be completed. I asked that the statement be faxed to me and to make the payoff good through October 10, 2002. I called them several times trying to find out when this statement was going to be faxed to me. I finally received the faxed statement October 11, 2002, but the payoff was only good through the tenth of the month. They charged me $50.00 for the payoff statement, which was no good, and 11 days late. They charged me $12 to fax me the no good document. Now I'm trying to refinance and they tell us that they sent the release to be processed on December 16, 2002. My attorney check with the county on January 16, 2003 and there is no record of the release being received by the county. We ask if Fairbanks could prepare a new release and send it to us, but I was informed that was not possible. This has been a very frustrating experience with this company. Clyde Chicago, IllinoisU.S.A.
Entity: Jacksonville, Florida
23, Report #44152
Feb 04 2003
05:39 PM
Fairbanks Capital rip-off liars Louisville Kentucky
Iwas ripped off by these people and want something done about it.I had given up because I was tired of fighting with them But now I have decided they are not going to win . Feb 2 I got served with papers where they filed to foreclose. They filed it Aug 27 1999 I have 30 days to respond to court THE ONLY DATE ANYWHERE ON ANY OF THE PAPERS ARE AUGUST 27 1999 I am afraid that my 30 days are JUST ABOUT UP EVERYONE HAS GOT TO E-MAIL 20/20AND DATELINE SUNDAY FEB 9 PLEASE WEVE GOT TO STOP THEM E-mail me and tell me your story we have got to be heard Pam pana, IllinoisU.S.A.
Entity: Louisville, Kentucky
24, Report #37953
Dec 11 2002
04:29 PM
Fairbanks Capital ripoff business from hell Jacksonville Florida
My story starts two years ago with Equicredit. My husband was in charge of making the mortgage payments, while I paid everything else. Everything was fine until one day I received a threat to foreclose in the mail. Apparently one of my husbands checks had bounced, and all of a sudden they want two thousand dollars or they are going to foreclose on me. My house payments were only six hundred and twenty five dollars a month. I ended up fighting with this company for almost two years before they finally said my account was caught up. I sent them at least ten thousand dollars above and beyond my mortgage payment because one agent would call, tell me to post date a check for a thousand dollars and I would be caught up, then two days later somebody else would call and want another six hundred. Finally in march of this year I got them to say that I was finally caught up. Then in April they sold my loan to Fairbanks. At first I was glad to be away from Fairbanks, thinking that nobody could be as bad as Equicredit. Boy, was I wrong. They started off right away taking two months worth of payments because they said that I owed money for insurance that Equicredit had purchased for me. I never heard anything like that from Equicredit and I had my own insurance. But, no matter how many times I faxed in the proof of my insurance, they still refused to take the money and put it back on my account and kept charging me fees. So in Septmeber I got a bill consolidation loan to catch them up totally. That cost me three thousand dollars. When I paid that the agent that I talked to said that took care of all fees, payments, everything. The next thing I know I get a letter in the mail saying that my payment was going up over fifty dollars a month for insurance, which I already had. I called Fairbanks about this and to make sure that the three thousand dollars I sent in was posted. It was posted all right, but the agent I talked to said that I still owed 900 dollars in corporate advances! When I asked him what that was he just said, oh, that is stuff that Fairbanks has had to pay for you. I have rambled on long enough, but first there are just a couple other things that I want to say. I read the report from the Fairbanks employee that said, pay or get out or something like that. What do they want us to pay, because I know that I have paid much much more than my monthly payment for a long time. Those of us who are customers of Fairbanks aren't looking for a free ride or anything. All we want is to make our payments and not be threatened with foreclosure every month unless we pay outrageous and bogus fees. Tracy Arcadia, WisconsinU.S.A.
Entity: Jacksonville, Florida
25, Report #41633
Jan 15 2003
04:53 PM
FAIRBANKS CAPITAL rip-off HATBORO Pennsylvania
These guys are IDIOTS! They just tried to bill me for $ 1059.96 for the year of 2001. FOR HAZARD INSURANCE!! THIS IS 2003!!! They have continously harassed me because the right hand does not know what the left hand is doing. I have sent them faxes, my insurance company has given them policy numbers, however they have held my monthly payment (then billed me late fee's) HOSTAGE until they update. They do not update, and fail to be a BUSINESS!!! If I was stupid and rich and did not know better, I would probably pay them. How many innocents have been ripped??? Adrienne Valrico, FloridaU.S.A.
Entity: HATBORO, Pennsylvania

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