Report: #329729

Complaint Review: EMC MORTGAGE - Lewisville Texas

  • Submitted:
  • Updated:
  • Reported By: Austin Texas
  • EMC MORTGAGE P.O. Box 293150 Lewisville, Texas U.S.A.

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EMC Mortgage holds our Second mortgage, back on January 4th I was informed that my company was going to do a RIF (Reduction In Force), and they laid off 80% of the workforce, we could not afford to make our January payment, but we contacted EMC and was told by the representative that as long as we were no more then a month behind we were fine and could catch it up as soon as possible. but in the mean time we were receiving anywhere from 5-7 phone calls a day from EMC wanting to know where our ayment was. Not able to find employment in February we were unable to make that payment. But the beginning of March I found a new fulltime job, and began getting paychecks, we managed to make one of the payments we were behind, but were still the one payment behind that EMC said was ok. Once again still receiving up to 7 phone calls a day wanting to know where our payment was and when it would be paid. On April 18th about 30 minutes before my scheduled time to be at work, I was contacted by phone and told that the project we were working on had been pulled and everyone was being laid off. We contacted EMC Mortgage and made them aware that I had again lost my job. They said we were only one month behind and it was fine. We told them about the numerous phone calls a day, and the Rep. basically acted all surprised, like they could not believe that. As of yesterday April 29, 2008, we have not been able to make our April after 4 phone calls between 8am and 11am, we called EMC Mortgage and explained our situation and ask what we could do, also let them know I had secured another full time job, but was not scheduled to start until May 5, 2008, the rep stated we were 2 months behind, which totaled roughly $500.00, So we ask them about the payment deferment, or a loan modification. The Rep. taking the information was very rude, and he ask if we could make half the payment roughly $228.00 I explained again that I had told him I had no employment prior and had just gotten another job that I had not started yet. The rep wanted me to give him a definate date that we could make the payment, and I again explained I had not started the job yet, and had no idea when my pay days would be. I again ask him about the deferrment or modification. he then proceeded to ask me if I wanted to speak with a realtor about saleing our home since we could not make the payment, by this time I was getting rather angry and I told him, I was not going to sale or foreclose on our home or something as small as $500.00,. I then for the 3rd time ask him about the deferrment or modificaiton and he then finally said he could send out a packet to us to fill out for a payment deferrment. he then proceeded to ask me my personal information such as "INCOME"???? monthly bills etc., so he could update his information. I gave him all the information he ask for,and he then said he would note my account that he had spoken to me and that he was sending out he information to fill out for the deferrment. He then stated he would note my account so we would not receive calls from them for atleast a week. This morning April 30, 2008, 8am my phone rings it is EMC Mortgage, I answer it, nobody says anything. approx. 30 min later phone rings again, once again EMC Mortgage., again, nobody says anything when I answer. approx. 10 something AM phone rings again, EMC Mortgage., this time I did not answer. they did not leave a message. 11am phone rings again. EMC Mortgage., I answer. this time a guy is on the line, says who he is with and says he is calling about the payment etc., I told him I had talked to a guy yesterday about my account and about the deferrment packet etc., come to find out this was the same guy I had spoken with YESTERDAY!!! I told him I had already received 4 phone calls between 8am and 11am, from EMC Mortgage, and that I was rather irritated with them, he too acted surprised didn't know why we were called etc., again wanted to update the informtion he had just updated yesterday. I told him I was not going to do that as he had already gotten that info. yesterday. He said he would put on the account to stop calls for 1 week. and make sure the packet was going out in the mail. So now we wait until we get the pack, fill out everthing, and see what happens, I am rather skeptical after reading alot of the reports on here if it is going to be a waste of time to do this. But I suppose I will do it and see what happens. It amazes me how incompetent, and rude the customer service representatives with EMC Mortgage are.

Austin, Texas

This report was posted on Ripoff Report on 04/30/2008 04:30 PM and is a permanent record located here: https://www.ripoffreport.com/reports/emc-mortgage/lewisville-texas-75029/emc-mortgage-emc-mortgage-rude-unhelpful-harassing-lewisville-texas-329729. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Author of original report


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

POSTED: Wednesday, June 25, 2008
As you can see back in April 30, 2008 we had talked to EMC Mortgage about getting a loan modification, we were told they needed us to fax them a financial statement, hardship letter, and pay stubs. We gathered all the information needed and on May 5, 2008 we faxed all the requested information to EMC Mortgage, a couple days later we called EMC to verify they had received our information. The rep. stated that NO, they had not received the information. They ask what fax number we had sent the paperwork to, we told them the fax #, and they then gave us 3 more fax #'s to send the information to once again. We faxed the paperwork again, and called a couple days later to verify they had received it , once again, the rep. we spoke to said NO, they had not received it. The rep. then stated that he wanted us to fax the paperwork again, he gave us a fax # and ask us to put it to his attention ANDREW EDWARDS. We then faxed the information again. Again called a couple days later, and the rep. stated they had not received the information. We told them Andrew Edwards had us fax it to his attention, and they said they had no Idea who Andrew Edwards was. After doing this back and for for a month, on June 3, 2008 we faxed the paperwork once again. In a couple days we called back again, before the rep. had a chance to tell us they had not received our paperwork we told them if they said NO, they had not gotten the paperwork, we were going to file a complaint with the BBB and the Attorney Generals office. Well, what do ya know, YES! they had received our paperwork. they said that now that they have it all they would start the process of the loan modification. Last week we called back on June 18, 2008 to get an update on the status of our loan modification process, the rep. we spoke to stated that we had been denied. When ask why, she stated that because we had not made 3 consecutive payments which disqualified us for the Loan Modification. Which makes no sense, if we can pay 3 payments, then we would not need the modification. Keep in mind this rep. was not with the EMC Loss Mitigation department. and when ask, about our paperwork for the loan modification she said she has no idea about our paperwork, but we had been denied, which makes no sense to me, she wasn't even familiar with the fact we had applied for a loan modification. We have not received anything from the Loss Mitigation department stating we had been denied, we were just informed by this rep. when we called, she then proceeded to state that we could set up a repayment plan and pay $201.51 on top of our regular payment for the next three months, then reapply for the loan modification, which if we do that we will not need the modification. In the mean time we are still receiving 7-10 phone calls per day from EMC, they do not leave a message, and sometimes the duration between calls is anywhere from 15-30 min. We have tried to call the Loss Mitigation department to try to get to the bottom of this but have not been able to get to talk to anyone, Today is June 25, and we are still dealing with this, these people do anything and everything they can to NOT help their customers, I just wish we could get out from under this company. Just please beware, they are very deceptive, and harassing!!!
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