Modify Utah ModifyUtah, Don't fall for the fake 90 day guarantee - Deceiptful individuals American Fork, Utah

Geez, where do I begin... It all started 8 months ago in October 2009 when I saw an ad for Modify Utah and decided to give them a call. I was going through a lot of financial stress due to my husband losing his job and not being able to find work, and taking in my teenage niece. I tried to get my own modification in April 2009 when the new law had passed, but everything was crazy at that time and the mortgage company was inundated with requests. So I decided to contact a professional.

They advertise a 90 day money back guarantee. No modification in 90 days = full refund. I thought I couldn't lose with it in writing. WRONG! All contracts were signed and requested documents provided the first week of November 2009. They charged me $4845.00. I followed up every few weeks via email to check status. I was always told it was in review. My mortgage company contacted me 3 separate times in November and December asking or updated documents. I told them Modify Utah sent them everything, they said they had no such documentation. All they had was the stuff I provided in April. Each time I asked the rep at Modify Utah, what was up, he said my mortgage company was confused and he would straigten it out. This happened 3 times. The rep told me the issue was my bank had two files open for me and the person calling me had the old one.

In January, it was getting close to the 90 days and my contact at Modify Utah was ignoring my email requests for an update. I call the customer service line and was provided with a "processing center" phone number to call but was also told they would call me back with a status (they did not). I called the processing center and an individual there told me the name of the rep in charge of my file. When I talked to that person he said it wasn't him but he'd help. He said they needed updated documentnation. I sent that documentation to him but wanted to know why no one told me it was needed and I am just now finding out. Of course he didn't know... Well I continued to ask for updates, and each time I asked, I would be told to send more documents.

Finally in March, I was fed up and called my bank for a status. Much to my horror, I found out that the two files story was false and it couldn't even happen with the way they store information in their database. The story provided to me by Modify Utah was a lie. Not only that, but the first time they received any contact other than from me in April, was in late January. 80 days after Modify Utah was supposed to have started helping me.

Peaved, I emailed everyone at Modify Utah who I had talked to demanding an explanation for this. I requested complete refund, or modification ASAP. I received a call from a new rep at Modify Utah who appologized for the whole thing and told me she would take on my case as a special circumstance and they appologize the other rep did not do their job. I appreciated her honesty and agreed.

Now the same thing has happened. I requested a refund on 5/27/10. I was ignored for over a week despite my two follow up emails. Finally, I was contacted and told I needed to speak to her manager, who turned out to be the person who initially lied to me about the two files. He told me they wouldn't give me a refund because what if they got a modification. Then they wouldn't see that money again. Well, I would like to see MY money again, and it isn't my problem they don't have the modification in the promised 90 days. It's been 8 months! It isn't my fault they didn't work on it until 80 days into the 90 day time period, but even at that the time as more than doubled.

They are scammers and took my money and did nothing for me. At this point, all I have experienced is lies, deceipt, fraud, false guarantees, a maxed out credit card, and no modification.

8 months and counting...