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Report: #378942

Complaint Review: American Neighborhood Housing Foundation - Richmond Virginia

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  • Reported By: Atlanta Georgia
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  • American Neighborhood Housing Foundation 5310 Markel Road, Suit 110 Richmond, Virginia U.S.A.

American Neighborhood Housing Foundation-FASLE Claims Of Foreclosure Rescue: Don't Be Taken!!!! False Promises, Sympathetic Ears, Rescuing Arms Richmond Virginia

*UPDATE Employee: The Truth about American Neighborhood Housing Foundation-Honest Assistance for Homeowners Facing Foreclosure

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After living in my home for several years, I was faced with the threat of foreclosure due to loss of my job. I received a very slick glossy post card in the mail depicting caring hands, embracing a model home stating: "You're in Foreclosure. No Matter How You Got Here... We Know The Way Back Home... IT'S YOUR HOME ...KEEP IT!" The ad promised to STOP foreclosure and to Avoid: Giving away your home to those so called "investors"; Bankruptcy (85% fail); Foreclosure.

American Neighborhood Housing Foundation, ANHF timed their ads just right when they realize that foreclosure is imminent and the homeowners' options are few.
I contacted ANHF via one of the two numbers on the ad (877-545-1812 or 757-227-0608) and got a very professionally speaking gentleman (Mr. M. S.) that assured me that their nonprofit "Foundation" worked with high level "Executives" daily at major mortgage companies including my company [ which is located in California and was acquired by a major bank]. Furthermore, Mr. M. S. assured me that ANHF avoided the mere Customer Service Reps that I would normally have to deal with to refinance or make a "work-out plan" since ANHF was positioned at a much higher level. Although he informed me that ANHF was a nonprofit, they did charge a fee of $950 and they were NOT a government organization.

Unfortunately, since I had never filed bankruptcy previously and felt like a failure due to my unfortunate circumstances, I verbally agreed to investigate ANHF services and requested more information. I was actually in the Bankruptcy Attorney's office when I spoke with ANHF. I canceled my appointment with the Bankruptcy attorney and left for my "foreclosure rescue" assistance .

Mr. M. S. immediately forwarded me an email with their paperwork attached and their claims. It seemed "unreal" that they could help me save my home of several years by avoiding the foreclosure and bankruptcy. I insisted that they explain the "Ripoff Report" that I saw on the Internet dated July 25th by Paul of Richmond, VA and Mr. M.S. explained that he had a rebuttal online. Due to my distressed situation and the emotional attachment to my home of several years, I discussed this with my wife and we bit the bullet.

On Friday, Oct. 3, 2008 at approximately 9:46am (ET), we wired ANHS $950 to their Neighborhood Bank. However, within 2 hours, I did not receive a call back from Mr. S. and I had to call him. I informed him of the transaction and told him to anticipate the funds. Within 2 hours, I discovered that I had been mislead: The rosey colored lens were gone and my gut told me that this was not logical:This company DID NOT have a legitimate website; They did not answer my calls immediately as they had prior to receiving the funds- instead I was forwarded to voicemail. They had not real stake in the transaction. They did not really have a contact but required my signature and they never sent me their signature. I immediately left a voicemail message to STOP THE DEAL!! Mr. M.S. tried to tell me that I should not get nervous but AI insisted. He further told me that it was too late since I had signed the paper and that they had started working on my case. That was a confirmation that ANHS was not a professional, legitimate organization that was focused on their customers. They were focused on getting my money by playing on my emotions!!!

I am in the process of resolving this issue via the state, banking, and legal authorities. I strongly recommend that you note that 3 complaints have already been registered by the Virginia Dept. of Agriculture & Consumer Services - Office of Consumer Affairs. Contact their Consumer Hotline (800) 552-9963 BEFORE you pay any money to ANHF. Also, I'm sure you will see a myriad of complains later at the Better Business Bureau of Greater Hampton Roads (757-531-1300). Although they ANHF is not an accredited member, they do forward you the BBB info on their correspondence to you to mislead you on their credibility.

Please do not fall for this scam!!! BTW, I did have to file for bankruptcy but it's not the end of the world. It will give me an opportunity to restructure my finances and my life.

Atlanta, Georgia

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#1 UPDATE Employee

The Truth about American Neighborhood Housing Foundation-Honest Assistance for Homeowners Facing Foreclosure

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

POSTED: Thursday, November 06, 2008

American Neighborhood Housing Foundation is a non-profit organization whose only mission is saving homes from foreclosure. The Foundation's success can be measured through the thousands of homeowners for whom we have stopped the foreclosure sales of their homes. It is rewarding work without comparison. The Foundation never sells or buys homes, nor does it lend money.
Homeowners should exercise due diligence and be given full disclosure of pertinent information about the Foundation, the definition of its success rate, and its policies so they can arrive at informed decisions. All of the Foundation's policies are provided in writing prior to any enrollment for services. The Foundation stopped Roy's foreclosure sale; work was done as asked and paid for. Roy referring to American Neighborhood Housing Foundation as a scam is hurtful and troubling to us all and just plain false. The response to the complaint Roy submitted on October 7, 2008 will be as thorough as the work was that helped Roy when he was about to lose his home and asked for the help the Foundation provided for him.

Roy first called American Neighborhood Housing Foundation and spoke with Deputy Executive Director Michael Snipes on October 1, 2008. Subsequently Mr. Snipes had half a dozen conversations with Roy as well as with Roy's wife between October 1st and October 3rd. On October 2nd Roy requested to speak with homeowners for whom the Foundation had intervened and stopped their foreclosure sales in the State of Georgia. With authorization to do so, Mr. Snipes gave Roy telephone numbers of Georgia homeowners for whom the Foundation had done exactly what would be done for Roy. Roy received phone calls directly from other homeowners as well. On the morning of October 3rd, Roy confirmed he had received wonderful and positive reports from several homeowners and expressed confidence in the Foundation's ability to help him. Later that morning Roy faxed the requested documents the Foundation needed to begin its work and wire transferred the Foundation's fee. All of this was done around 10 am, and work was begun immediately. October 3rd was a Friday with Roy's foreclosure sale scheduled for but 4 days later, 2 of those being weekend days. There was no time to lose.

At noon that same day 2 hours after sending moneyRoy called Mr. Snipes to express concern over his situation. Despite having the main phone numbers to both offices of American Neighborhood Housing Foundation, Roy called Mr. Snipes on his direct dial number and was upset that Mr. Snipes did not immediately answer his phone. Mr. Snipes was on a call with another homeowner and responded to Roy's voicemail within 15 minutes. Mr. Snipes reassured Roy his file was already being worked and he would be contacted for additional information as needed or with new information as it became available. At 1pm a representative from American Neighborhood Housing Foundation called Roy to clarify some financial information. At that time Roy said he did not have the time to discuss it.

The next call from Roy was at approximately 4:30pm when he allowed that he no longer wanted the Foundation's assistance and demanded a refund. One minor problem: the Foundation's contact at Roy's mortgage company had already started the process to stop the sale of Roy's home but with confirmation of that fact not coming until Monday, October 6th. Mr. Snipes reminded Roy of the signed guarantee he provided at the time of his enrollment for services. In that document, it clearly states that, I understand I am allowed to tell the Foundation to stop negotiating in my behalf for any reason. I understand that should I do so, I am not entitled to a refund. The purpose of such a signed statement is to protect American Neighborhood Housing Foundation from the unscrupulous whose intentions are less than honorable.

The tragedy of Roy's situation is he could have confirmed his sale had been stopped by calling the foreclosing attorneys on October 6th and prior to his filing for bankruptcy. The Foundation worked diligently for Roy and now wants only the best for his family and him. The pressures of Roy's unfortunate circumstances often cloud people's judgment which accounts for the disdain reflected in his misguided and erroneous interpretation of his involvement with the Foundation. Not for a moment does that change the fact the Foundation performed the job Roy asked and paid for. To that end Roy's scathing and false report is inappropriate and should not be given any credibility when evaluating the work of American Neighborhood Housing Foundation.

A few final remarks as part of this response to Roy's complaint: First, the Foundation has always been a grass roots operation; there is a website that is currently under construction. There is no question that will be inordinately helpful once it is completed. Second, it is telling Roy considers it realistic for his phone calls to have been answered immediately each and every time he called and considers that sufficient basis to assume that he has been misled. American business runs on voice mail today, and, frankly, receiving a return call within 15 minutes is rather astounding in the grand scheme of things. Finally, American Neighborhood Housing Foundation is not an accredited member of the Better Business Bureau because the jurisdiction in which it is located does not allow non-profit organizations to be accredited members. However, calling the number Roy provided in his report, (757)531-1300, and entering the number to the Foundation's Chesapeake office, (757)747-6300, there is available a full report on American Neighborhood Housing Foundation. Unlike some internet websites, the Better Business Bureau verifies the validity of negative reports before making them available to the public.

American Neighborhood Housing Foundation is clear and straightforward in its procedures and policies. No one should ever be confused about the obligations of the Foundation and the homeowner to each other. Having helped thousands of homeowners, that Roy can count complaints on one hand is quite a testament to the Foundation's commitment.
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