Provident Funding Associates reviews & complaints 45
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loan customer service company payment late fee fee late complaint phone calls customer problem business loan application bill pay county recorder s office preliminary title report reconveyance title title company trusteeNewest Provident Funding Associates reviews & complaints
Failure to pay insurance premiums
Provident Funding has turned out to be the most incompetent, deceitful and arrogant mortgage lender that I have ever dealt with.
For the past two years Provident Funding has missed paying my flood insurance premiums on time even though they took the money from my escrow account and notified me that they had paid each time. This year they went a step further. They took the money ($545) from escrow in December, 2008, notified me that they paid the bill but they never sent the check. They finally sent it in February, 2009 and after finally sending it, took out a "forced" flood insurance policy and are charging me an unconscionable $4, 380 for the "forced" policy. I have written to them, faxed them, phoned them and emailed them, but they refuse to acknowledge that it's their problem and I should not be charged. They could care less.
Do yourself a favor and don't get involved with this company. The effort and frustration in dealing with them is not worth it.
The complaint has been investigated and resolved to the customer’s satisfaction.
Provident Funding Associates - Customer Service
I find the customer service, and overall responsiveness of Provident Funding quite abhorrent. I have filed a complaint with the BBB and in particular, find their Customer Service Supervisor Chris Porter to an incredibly unprofessional employee. Craig Pica is the president and you can try emailing him at [protected]@providentfunding.com I will take my business to...
Read full review of Provident Funding Associates and 23 commentsDelay on Funds Posting
Terrible Customer Service!
Mailed in payment 1st week of December, didn't get processed until exactly the 15th. Called in on the morning of 15th asking if my payment had been misplaced, they said they had not record of it so i paid by phone ($15 fee). Learned that night that they found the check, and processed it in addition to the phone payment i made. Called back the next morning and asked if they could wave my $15 fee b/c i had been told by the agent they wouldn't charge me if they found my check.
Spoke to the Customer Service Supervisor Chris Porter who was extremely arrogant and unresponsive to any dialogue on the matter. I asked if he could give me the name and address of the president so i could personally write to him to issue my complaint, however he refused to divulge both pieces of information.
Did some research and found their address in Burlingame, California with Craig Pica as President. He will get a letter from me explaining how awful his customer service supervisor is. I'll definitely be spreading the word with my business associates about Provident Funding's lack of professionalism on the Customer Service side of things.
Great business Craig, however you need some improvement in the Customer Service Area, starting with your supervisor.
The complaint has been investigated and resolved to the customer’s satisfaction.
I too have had a large cashier check ($5, 428.68) misplaced. I tried to reinstate my note with Provident but the miscommunication problems have worked against me. The claim from the payment department is they mailed it back to me...GENERAL MAIL. Not certified or registered so it could be tracked!
Interesting that you found a CRAIG Pica. Hoovers lists DOUG Pica as a partner executive. The address they gave was 1235 N Dutton Ave Ste. E, Santa Rosa, CA [protected].
I am filing a complaint with the Federal Reserve and my elected officials as well the State Attorney General.
-john
I agree. They don't have customer service. Their personnel was ignorant of their own process and could not explain when PO Boxes are checked and when the payment gets processed and posted. I sent my payment with delivery confirmation and I know for fact it has been delivered. But they continue to claim it did not arrive did not answer honestly. They threaten to contact credit agency. Calling them don't really help because it always went into voice mail and do not return calls.
I feel that Provident is the BigLots of loans. They are the leader in customer disssatisfaction
Late Fees Improperly Incurred
I was charged an improper late fee by Provident Funding due to a delay on my banks part with an online payment. I called Provident to try and remove the fee and they said that even though I have a perfect payment record, excellent credit and have never missed a payment, they are not able to take the late payment off. To add insult to injury, their customer service team was incredibly rude and unprofessional. I hope that Provident Funding decides to hire higher caliber staff as they will lose customers at this rate, even in this market. I am not pleased with their response and expect to hear from Craig Pica, CEO personally to rectify this situation. I find it incomprehensible that they cannot take a phone call and handle it in a professional manner.
Best Regards,
YA
Provident Funding Loan Holder
San Francisco Bay Area
Your bank screwed up, and you want your lender to give you the benefit of the doubt? In this market? Are you crazy? Do you have any idea how many excuses there are out there right now for people not paying their bills or paying late? They can't just give the benefit of the doubt to everyone. Re-read your papers discussing late fees, I'm pretty sure it doesn't say "fees will be waived if your bank screws up the payment to us." Talk to your bank and make THEM pay you the fee since it was their fault.
I also am in the process of funding a loan with Provident and have been asked repeatedly to come in and resign papers. Provident keeps sending "corrected" forms, but the "corrected" forms contain numerous errors. I don't see how the funding will be done by the time escrow is supposed to close.
Stay away from this company!
We are in the process of moving our mortgage over to Provident and they have made us return multiple times to our title company because of the dating of our signatures. Today, they accused our escrow officer of forging our signatures! So, she asked me to talk to the loan officer myself. This person HUNG UP on me after I introduced myself and said talking to me violated RESPA since the account had not been funded yet. Extremely rude and unprofessional even if it's true! I now have doubts about working with Provident after reading negative posts about them here. However, we are too far into the process to quit now. Just wanted to add my own negative experience here as a warning to others.
Provident Funding Associates - fraudulent late fee charges
Deliberately delay of crediting clients' account then claim late receipt of mortgage payments for assessing late fees.
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This happens to almost everyone. I've had several mortgages and it happened to me at Wells Fargo and AmTrust on my hazard insurance. Lenders are HUGE now, it's almost impossible for them to get everything straight. As soon as you get a forced policy in the mail you should be on the phone 24/7 until it gets resolved. If your LTV is under 80% cancel your escrow account, then you can pay the premiums yourself and not worry about it.
Provident Funding is doing everything but funding my loan. With the escrow dateline closing in, they are asking me to sign error-filled "corrected" forms. Absolutely appalling! If your mortgage broker is using Provident, get a new mortgage broker!