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Report: #346027

Complaint Review: Negotiation Center Of America, Inc - Phoenix Arizona

  • Submitted: Mon, June 30, 2008
  • Updated: Fri, April 20, 2012
  • Reported By: Whittier California
  • Negotiation Center Of America, Inc
    3010 W. Agua Fria Frwy Ste 100
    Phoenix, Arizona
    United States of America

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This company asked for a $5000 fee to assist me with talking to my mortgage company. They claimed that their company guarantees results in lowering your ARM mortgage or your money would be refunded. When I read the fine print, there was no such guarantee! The guarantee was only if they did not present your mortgage company with a proposal, which they are determined to do in order to get your money.

When I decided to not proceed with their assistance, Phil called me an "idiot" and said that he would charge my credit card the fee anyway and hung up the phone on me. He called back and said that regardless of not proceeding with their company, he was still charging me and that there was nothing I could do about it. I also received an email from him stating, "Good luck now you have no options!", which proves that their company is unprofessional and a SCAM!

I advise others to look at the website to find answers to their questions in this time of mortgage crisis and BEWARE of companies like these who prey on those trying to keep their homes from foreclosure!

Federico Whittier, California

This report was posted on Ripoff Report on 06/30/2008 04:23 PM and is a permanent record located here: 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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Updates & Rebuttals


#1 REBUTTAL Owner of company

Report very misleading

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

We admit that we charge a fee for our services, just like almost all other business plans. However, we did NOT charge this persons card, or threaten to, as he would like you to believe from the message. This person is not our customer and any opinions are not from actual experience with our service.

This service is extremely valuable to many homeowners that are experiencing a hardship making their mortgage payments. The site that this person suggests you look at for help in this area certainly has valuable information. The problem is it simply is not adequate for many people.

Lenders are so bombarded with Modification requests, short sales, foreclosures etc..., that unless you have expertise or hire someone that does, it is very difficult to even find the right person to talk at most of the large mortgage servicing companies. Much less, complete all of the necessary documentation properly, understand what to ask for, talk the right language and know the right person to ask for and then actually get to talk with them.

Time is also extremely important to most people. This is an extremely time consuming process even when you know what you are doing. Many people simply do not have the time to set on hold with "India" for 3 hours only to find they were connected to the wrong department. More importantly, if you are already in a position where you can't make your next mortgage payment, how much time do you want to waste?

Thanks for your time.
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#2 Consumer Comment

Professional behavior

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

We too received a letter, which at first glance appeared to be from our bank, although it does state in fine print at the bottom that there is no association.

Upon calling a "Senior Loan Modification Consultant", we were told that since we were not in default on our mortgage, it would diminish our chances of being considered for a modification. However, since we are retirees and have experienced significant losses in our retirement accounts, it might be possible with a "letter of hardship".

After receiving the 20 page "Loan Modification Apporoval Paperwork" by FAX, we realized that there was an upfront fee of $3,600 with no guarantee of success. However, there is a "Performance Guarantee" which states that all but a $1,295 processing fee will be refunded if they are unsuccessful in saving you at least double the amount of the fee charged.

When I called to express reservations, unlike Federico, all my questions were fully answered and I was treated with the utmost respect by the consultant with whom I had been corresponding. He advised I talk it over with my husband and decide if it was something we felt would ultimately be to our benefit. He also wished me happy holidays and a good new year, in case he did not hear from me again.

So, the point I want to make is that "one bad apple shouldn't spoil the barrel", and perhaps Federico should have reported Phil's bad behavior to the company and given them the opportunity to make recompense and perhaps spare another client the same unpleasant experience.
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#3 Consumer Comment

We Thought It Was A Scam Also

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

After our world was turned upside down due to pay cuts at both of our employers, we could not afford our adjustable rate mortgage which went up close to $1,100.00 per month. We called NCA and spoke to a representative who said there fee was going to be $5,500.00 to try and help us with out loan modification. My wife decided to find a less expensive alternative so we paid another company $3,198.00 and started the process. After 45 day's we only had 1 reply from them, it was like they disappeared. We went back to NCA and paid their fee to get the process moving. It took nearly 3 months, but they always answered our calls, questions, and emails.

They kept us in the loop as to the progress, and saved us over $1,650.00 per month, allowing us to save our home. They earned their fee 20X over & what we thought initially was a scam, is certainly not. We would advise anyone in a similar situation to not always look for the cheap way out, after all, its your home.

The Jacobsens
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#4 UPDATE Employee

I spoke with Myrcia Not Federico

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

It is typical in business in general, for prospects to make assumptions about a product or service before knowing any facts, as did Federico. The stage must be cleared though. Although Federico may have good intentions about informing the public about our service, unfortunately he was not the person I spoke to about a loan modification. Federico's wife Myrcia made the phone call to Negotiation Center of America. After explaining NCA's services to Myrcia she decided to proceed with the application process. I mentioned that she should have her husband on the phone as well but she said she would talk to him about the service.

We spent roughly an half an hour on the phone completing her application then I email it to her for authorization to proceed forward. Not less than two hours later I receive a threatening phone call from Federico the husband of Myrcia saying that our company was a "scam" and to cancel their application. He also said that he was going to call every consumer protection place to report our business. After letting Federico vent, (he may have been upset that his wife did not consult with him), I mentioned to him that I will go to the processing department and stop the paperwork. I told him we have a recorded authorization to charge the two credit cards that his wife authorized and was not sure if it has been charged, then Federico got upset again telling me that he will have me arrested if I charge his card, and said never mind I will handle this myself then hung up the phone.

I did check on Federico's and Marcia's application and it had not been processed nor were their credit cards charged. I called back the Viado's to inform them that the application has been cancelled, but Federico once again hung up the phone on me. Unfortunately In sales, we experience these actions everyday from prospects that do not include their spouse with the decision making. At NCA we are trained to make sure all decision makers are involved, but we cannot force everybody to listen to the process we can only ask. And some prospects are adamant that they can deal with their spouse. Same old story, however, we try to accommodate as much as possible. I must say that Myrcia and I did have a very pleasant conversation and really hope the best for her and her family, and I wish for everyone to find the best solution for them in this mortgage crisis.

We are very successful with our services and I am proud to work for a great company like NCA. This service is not for everyone, but for those who have legitimately participated unlike Federico, they are pleased that we have helped modifying mortgage.

I believe that Federico's comments need to be removed due to the fact it was his wife that signed up for the service not Federico. Lastly, I take pride in the service that Negotiation Center of America provides we are reputable and have personally helped 95% of my clients with successful modifications. The remainder 5% clients have had their money refunded. I am a personal client of the service and have had my loan modified. Just call and ask me Federico put my phone number up for you to call.

Best Regards,

Ps I will ask my clients that have had success with NCA to post a comment here and even those who have been refunded their money.
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