Complaint Rating:

I originally refinanced my home with Fremont and then my loan landed in the hands of the infamous America's Servicing Company. I am a realtor and when the market began to decline I asked to have a pre-payment penalty waived so that I can access my home equity. At that particular time all of my equity would have been swallowed by the pre-pay. They refused. I then fell behind on my mortgage. To try to contact them to do a work out is USELESS! They offered me a loan modification and asked for some documentation. I faxed them daily for a whole month and they never received them. Each time I called them after faxing they told me not to check back for 3 days. I finally express mailed them and they never landed on the desk of the processor until 10 days before the sale date. I had to file BK to stop the sale. When I called the trustee to advise them, the rep at the trustee told me that she was not surprised because ASC is notorious for this type of behavior. While in BK I attempted to do a workout under BK protection. I was not told until after the BK discharge that there was someone all along in a specific department that could handle this. During the BK I was only told that none could handle the loan mod. I had to file a chapter 13 now just to keep them from taking my house. None can talk to me to clear this up. I have been working at trying to communicate with them to resolve this for over a year and have only been successful under BK protection. I just tried to fax communication to the BK department to attempt a loan modification during the chapter 13, and guess what, I was given the wrong fax number.