EMC Mortgage Company EMC Mortgage Crooks, Liars, Morons That Don't Know S*** From Shinola Dallas Texas

This company has to be the WORST in the Mortgage Business.

I refinanced a second mortgage that was sold to these clowns. Lately, I have been receiving calls asking where my payments are and when I am going to send them. I have been replying that they have already been sent (a lot of the calls are before the due dayes on the statements). The call I got on 06/08/2006 took the cake. I received a call from 'Tiffany' asking where my payment was, when I was going to make it and how much it was going to be for. I explained to her that I wasn't late, that last month's payment was on the statement in error (it had been made) and the due date is next week. She then informed me that I was $200.00+ behind and I better pay up or else they were going to 'collect'. I then asked for her supervisor; 'Lucy'. When she got on the phone, while going through my statements, I pointed out to her that I was not late on any payments and, while looking at them from her end, she couldn't find any problems either. She put me on hold for about 25 minutes. She came back to the phone, mentioned that I was 54.00 behind and that she had more 'research' to do and that she'd call me back. After waiting about an hour, I called her back and I was put on hold for about 40 minutes. At that point, the phone was hung up (on her end)!!! I called her back then she explained that someone else's payment got credited to my account by mistake and taken off. Their payment was apparently 54 dollars less than the one that I made, so that left the 54 dollar shortage. None of my statements reflect this.

Although Lucy admitted that they screwed up, no explanation could be given for the $200+ figure I was initially given. It's apparent that the employees gouge the funds coming in, while the unsuspecting consumers get taken.

I can honestly say that I have had it stuck to me by every company that I have dealt with in Texas (Gee, isn't this the same state that George W. is from?). Never the less, they are Crooked and I got stuck with these yoyo's. This line of credit loan took me six months to get blank checks (to wrtie against the equity).

TO everyone -- STAY AWAY from this company. I am going to go to the Maryland State & Federal Banking Commissions to see what I can do to get them out of Maryland.

Michael
Baltimore, Maryland
U.S.A.