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Report: #23906

Complaint Review: Fairbanks Capital Corp - Jacksonville, Florida

  • Submitted:
  • Updated:
  • Reported By: Pompano Beach FL
  • Fairbanks Capital Corp 10401 Deerwood Park Blvd Jacksonville,, Florida U.S.A.

Fairbanks Capital Corp is a ripoff fraud that charges Bogus fees, makes RUDE phone calls & foreclosure threats. Jacksonville, Florida

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We have TWO mortgages with Fairbanks -- LUCKY us! My husband was out of work for 3 months last year so we fell behind on all of our bills. Then my 96 Saturn had the engine sieze up while we still owed on it; that coupled with bad credit resulted in car payments over 2x the old. (Did I mention the $500 downpayment I had to pay in lieu of my mortgage that month?)

These people do not care, they are rude and insulting to boot. I have NEVER been spoken to by anyone in not only such an unprofessional manner, but a downright degrading one "you are not a very responsible person"; "why don't you pay your bills on time?"; "this really isn't my problem to deal with -- you are just trying to avoid paying your bills" are some tid-bits.

As if the insults aren't sufficient, they call at all hours - numerous times per day -- even BEFORE the grace period! (Sundays and holidays too!) Then they mysteriously increase your late fees above what was in your mortage note -- asking you to fax them a copy of your note, etc. Also, they post the payments late! (Of course now that we are behind on all of our bills this is a moot point)but I finally resorted to paying on the phone right at the last grace day because they annoyed me so. Then they started charging $15 per phone pay; later I find that every phone pay was a bad mark on my credit report. Who knew?!!

I only recently got stuck with them on my primary mortgage as they bought out Equicredit (and I thought THEY were bad -- they look like saints in comparison to these sharks!) I had received notice from Equicredit that we were in danger of foreclosure -- I called and made payment arrangements and all was settled. Right around that time Fairbanks too it over. They sent a notice that they were going to foreclose.

I called and told them about the arrangement and was practically called a liar as they had no note on my record. The first lady hung up on me because I was terse -- to say the least. I FINALLY got a supervisor -- one of the Equicredit employees who explained to me that Fairbanks has a different approach to collections (I'll say!) she found the notes on Equicredit's system and told me to pay as per what had been discussed.

Last week a lady was on our property taking pictures, then she knocke don the door and told my husband she just wanted to see if anyone still lived here! I called them and end up hanging up because the man was so rude. Next night I got a message to call a different number for them which I did. Mr. Wright wanted my work number but I would not give it to him, he knew where I worked anyhow.

My May payment on the 2nd mortgage was applied 100% to interest -even though I paid the late fee, and my on-line payment mailed by the bank on the 14th cleared on the 27th.You know, I can't even have a conversation with these guys without crying because of the way they talk to me.

We no longer answer the phone, and neither my husband or I can sleep because we worry constantly about losing our home of 11 years. We both work have 2 kids and really could use a break here. I am scared and I am angry and I am going to help bring these crooks down if it is the last thing I do.

Others have been ripped off too. YOU ARE NOT ALONE! I am also e-mailing every news show I can think of -- any expose show I can find. If enough people make enough noise, Goliath will indeed fall.

Sorry to be so long winded. Thanks for your time.

Sheila
Pompano Beach, Florida

This report was posted on Ripoff Report on 07/02/2002 09:00 PM and is a permanent record located here: https://www.ripoffreport.com/reports/fairbanks-capital-corp/jacksonville-florida-32256/fairbanks-capital-corp-is-a-ripoff-fraud-that-charges-bogus-fees-makes-rude-phone-calls-23906. 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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