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!