ASC Warranty
Reviews and Complaints

I purchased an extended warranty with ASC Warranty on August 26th of 2021 for $2,545 (6 years; 120,000 miles) at Keast Auto Center in Harlan, Iowa. My GM truck had 9300 miles on it when I sold it and I requested a complete refund, since I never used the warranty - GM has this truck under complete warranty for 3 years, 36,000 miles. The finance person at the dealership where I purchased the vehicle told me that there would be a cancellation fee and that I should only expect to get $2,490 back. In fact, I only received a total of $2,290.95 back (ASC reimbursed $1,490.15, saying there was a 9% usage fee) and (the dealer refunded $800.80 saying that ASC Warranty had stated this was the dealer's portion of responsibility). I called ASC Warranty at 888.207.0166 and spoke with a representative for ASC Warranty who told me the difference was a 9% proration! However, this vehicle's GM vehicle warranty covers this vehicle COMPLETELY for 3 years, 36,000 miles and ASC Warranty was never liable to pay out anything during the short time I owned this vehicle; however, the representative argued that they would have been liable. I will only be satisfied with this situation when ASC Warranty refunds the other $199.05. I will also be filing a complaint with the BBB and CFPB.

My heart goes out to everyone who is suffering at the hands of a predatory lending scheme. I'm going to share my story with you AND THEN follow up with someone who was able to, just very recently, get Wells Fargo to help them. I want homeowners, or recent homeowners, to at least call and/or e-mail Cara K. Heiden, Mary Coffin, and Sharon Cecil in the WFHM Executive Office. I give you their e-mails, direct phone number, and address below. Please try. I'll say prayers for you and your dear families. Remember, keep trying. Expect God to bless you. And I know he will.

In November 2006, Wells Fargo d.b.a. American Servicing Company (ASC) decided to escrow on my mortgage loan. For no reason. My taxes and insurance were always paid on time. Theyd never escrowed before. Then, instead of paying my annual property taxes once, they paid them twice. And I had already paid them. Then they pre-paid my property taxes that werent due for another year. Id never had an escrow account with them, so usually the balance was zero. Now it was -$5500.00. My mortgage payment increased from $655 to $1446 a month. I cant pay it.

Wells Fargo admits their error. They promise to fix it. Then they dont. Again they promise to fix it AND reverse all the late charges. Doesnt happen. No one corrects the original mistake so the snowball effect is creating havoc with my mortgage, with my credit, and on my life.

ASC Phone calls and letters threatening foreclosure were relentless. I have spent hours on the phone trying to resolve the problem. So many ASC Customer Service agents promise all your problems are taken care of, rest assured. When you check the next day to confirm all is well (youve learned to check) they can't even find a note in the record that you ever called. So then I am forced to start the process to correct my loan all over again with a different agent (weird isn't it that you can never get the same agent because they don't have extensions, and they refuse to give you their last name. They will give you their three-letter employee ID code that has never helped me a bit. Many agents refused to give me the companys physical address when I wanted to talk with someone face to face. Over this six-month nightmare I was assured over and over and over, that yes, definitely this time, they had truly made the corrections I had been assured already been made. Yes, isnt it wonderful, my mortgage loan had been approved for loan modification and the loan I’d been told dozens of time had been reinstated, had really for sure this time been reinstated. I was always told I would receive a letter confirming all was well with my loan. I was told not to make any monthly payments on the loan because until the correction had been processed through their system, the payment would be considered a partial payment and would be returned to me. So in February and March I couldnt send in a payment because the monthly payment amount was never corrected. I was forced over and over again to start the agonizing process from square one with another agent. Most agents couldnt find any notes in my record. I had the brilliant idea that faxing the whole story, along with receipts, and other requested forms, would be the answer to our communication problem. I would finally receive a letter confirming receipt of the requested documents. Four days later Im told my documents were never received so my home is in foreclosure.

On April 23, 2007, I was emergency admitted into River Oaks Mental Hospital for 10 weeks due to a complete emotional breakdown. I was suicidal and unable to care for myself. Wells Fargo Mortgage made a mistake, and acknowledged it. However, they were unable (or unwilling) to fix the problems their error created. My sister was given power of attorney so she could resolve the issue. Upon discharge from the hospital an ASC agent confirmed my loan had been fully reinstated, the payment had been corrected, the escrow balance adjusted. They promised the late charges and additional interest charged because of their error would be credited back to the account. I insisted and they agreed they would contact the credit agencies to report their mistake, remove all negative remarks, and change all comments they had made regarding my mortgage account to paid as agreed.

Two days later I received a notice advising me of the sheriffs sale date set for my home.

My home was my savings account. And it was my retirement account. More important, it was my security blanket.

The October 3, 2007, sheriff sale date has been postponed and Wells Fargo has told me they want a satisfactory conclusion to this nightmare. Ill keep you posted. Today is October 9, 2007.

WFHM admitted errors and apologized in two letters received on October 24, 2007, and October 29, 2007, from Todd M. Boothroyd (contact info shown above), credited $12, 000 to my mortgage loan, corrected the negative reports made to the credit repositories, reinstated my loan. I breathed my 1st sigh of relief in nearly a year.

THEN THEY SOLD MY HOME AT A SHERIFF SALE. They took my home, almost $100, 000.00 in equity, and I'm lost without my home. God Bless my 70-year old mother who is now forced to take care of her 46-year old, disabled, daughter. I still believe something good is going to happen. I really do. Two years of fighting for all I'm worth just can't end like this. I will NEVER stop trying to find restitution and peace. And I will NEVER STOP sharing my story just in case it might prevent someone else from losing their home. From facing agonizing months on end. Being turned inside out with fear and pain. From losing their retirement, their live savings, their security. If I had children, I don't know how I'd be able to face it. I don't know how these companies are able to do what they do to famies who have trusted them. It just breaks my heart.

BUT remember, some of the readers of my blogs have been e-mail me sharing good news about the help they are beginning to receive from Wells Fargo Bank. So DO NOT GIVE UP!

I know help is coming soon for all families facing foreclosure. God Bless anyone who helps someone keep his or her home.

Kelly L. Hansen
STILL HOPEFULL, BUT at the moment HOMELESS...
46-year old now living with her 70 year old Mother!
Thank God for Mothers.
33605 W. 88th Street
DeSoto, KS 66018

ctsmyhon@yahoo.com (don't hesitate to contact me!)
[protected]
[protected] Fax

Here are the names and numbers you need -- these women will get you the money that belongs to you. Please let me know if you need anything at all from me. It never hurts to start pushing from every direction.

Cara K. Heiden, CEO
WELLS FARGO HOME MORTGAGE
cara.k.heiden@wellsfargo.com

Mary Coffin, Vice President
WELLS FARGO HOME MORTGAGE
mary.coffin@wellsfargo.com

Sharon Cecil, Assistant to Both
WELLS FARGO HOME MORTGAGE
sharon.cecil@wellsfargo.com

Todd M. Boothroyd
Senior Counsel, Real Estate Division
(address in California, let me know if you need it.)
Todd.M.Boothroyd@wellsfargo.com

WELLS FARGO HOME MORTGAGE
Executive Communications Office
MAC X2302-02J
800 S Jordan Creek Pkwy
West Des Moines, IA 50266
[protected]

BELOW ARE RECENT EMAILS THAT HAVE ENCOURAGED AND COMFORTED ME:

Subject: Thank You Kelly!
Date: Fri, 21 Nov 2008 22:19:47 -0800

Dearest Kelly,

I left you a voice mail this evening. Thank you!
I've passed along to other ASC victims, my success story, and your info. Thank you!
Your blog comments helped me save my home. Thank you!
You are a God send Kelly, Thank you so very much!
Your efforts were not in vein.

Kindest Regards,

Jeff Taylor / San Clemente, CA / [protected] :)

E-Mail from 'jackie euper' to 'Kelly L. Hansen' (www.complaintsboard.com)

Wed, 17 Dec 2008 10:48:53 -0600

KELLY,

FIRST I HOPE YOU ARE FEELING BETTER. JUST THIS MORNING I TOLD A WELLS FARGO HOME MORTAGE SPECIALIST THAT THEY ARE GOING TO CAUSE ME TO HAVE A HEART ATTACK. AFTER READING YOUR STORY I SEE IT IS POSSIBLE FOR THEM TO CAUSE PHYSICAL HARM ! I WAS HOPING YOU COULD GIVE ME A SHORT CUT AND GIVE ME A PHONE NUMBER FOR THE PRESIDENT OF WELLS FARGO HOME MORTGAGE, I CAN'T SEEM TO GET IT FROM ANYONE AT WELLS..GO FIGURE !
I FEEL LIKE I WANT TO EXPRESS MY FEELINGS TO THE TOP PERSON. MY STORY IS OVER MONEY THEY REFUSE TO RELEASE FROM HURRICANE DAMAGE. THANKS AGAIN FOR SHARING YOUR STORY. SINCERELY, JACKIE EUPER

Kelly,

First off thank you for your help. I did speak with Sharon yesterday and I am suppose to receive my check on friday via fed ex. I will believe it when I see it. Thanks again for your web site it led me to the correct people. I hope you have a Merry Christmas, and may God bless you. Thanks again, Jackie.
-------------- Original message from 'Kelly L. Hansen' : --------------

Attn: Jackie Euper & Sharon Cecil

Jackie, awesome, thanks so much for keeping me posted!

Sharon is always a big help. God Bless You & I hope you have a Merry Christmas!

PS: Sharon Cecil - You're so good at getting things done! Thank you for taking care of Jackie Euper. After sending this to you, I'm going to complaintsboard.com and /link removed/ and saying THANK YOU WELLS FARGO HOME MORTGAGE! It looks like a real effort is being made by the Executive Office to take care of your customers.

That's thrilling!

Kelly L. Hansen
STILL HOPEFULL, BUT at the moment HOMELESS...
46-year old now living with her 70 year old Mother!
Thank God for Mothers.
33605 W. 88th Street
DeSoto, KS 66018

ctsmyhon@yahoo.com
[protected]
[protected] Fax

Print - Close Window
Date: Sat, 20 Dec 2008 07:12:07 -0800 (PST)
From: "Kelly L. Hansen"
Subject: You deserve each and every blessing you receive, Jeff. Because you give your heart to others.
To: "."
OK - wow, how do you share your heart so well? You have blessed me with your success story. Can you imagine how many others will be encouraged, uplifted, and energized when they read your words?

I wish you would have been able to do the FOX interview! It sounds like God is using you by giving you so many opportunities to share your story! Very few people go to the forbearance table with a specific plan, a win-win for both the lender and the homeowner. That is key and something I never considered.

Both investors and lenders would most certainly warm to homeowners who calmly expect a successful resolution.

May I ask where you posted your story? I want to go the site and read it!

Now, I ask for your prayers. I lost possession of my home two weeks ago. Your letter, your warmth, delighted my being! Once again, PERFECT TIMING!

You've energized me to get your story out and get back to what I love doing. Thank you, Thank you, Thank you. I really love being thought of as a guardian angel. I so very much want God to be able to work through me. And I've prayed for specifically that just within the last few weeks. So wow, thanks so much for your affirmation. Hugs and Kisses to you, to your family, and may your holidays be filled with joy, and peace. Aaahhhhh. Sweet, sweet peace. God Bless You, all of you.

"." wrote:
Hi Kelly,

Where do I start? I read your letter to my family tonight (taking a deep breath with every new sentence) Thank you!
And yes, you can post any, and all of my stories. We're in this together.

The blog you posted saved our future! The key to ASC success was dealing with one individual, and after sending emails to Wells Fargo's President, V P, And CFO, I had a response in four days from ASC! My wife was the one who took the call that morning while I was out dropping off the kids at school, and when she called me on the road with the news which was:"We are calling you from the executive department of ASC, and are very sorry you have had to go through this, we are assigning you to an individual who is going to get things straight, and it doesn't get higher than this", I could not believe what I was hearing, something that we worked months on with nothing but confusion, misunderstandings, three months delinquent, then all of the sudden...this? It was like seeing 911 all over again, I don't believe what I'm seeing, and hearing!

I wept behind the wheel to the point of almost having to pull over, but continued driving because I needed to get home to my wife and hear it again in detail. As I walked through the door, I saw this look of disbelief in her eyes mixed with a joy I have not seen for a long, long time. When I sent those emails out, I never thought a reply was coming, but something happened. In the subject line of those emails read "Why do you want my home?" I proceeded to explain the 100's of horror stories written by ASC victims, and how they all sounded alike, as did mine. The one question they had to ask when contacting my wife that morning was "how did he get that email information?", and my wife's reply was "you can get almost anything off the internet these days", which is how I found you Kelly.

All I did was Google "ASC Complaints", and OMG, there you were, along with more than I could handle. Fox Television even contacted me based on a blog I submitted, and had been getting so many calls, yet mine stood out, and wanted to do a live interview with me at my home, but I had to decline, for that was the day we were to get the news on the Special Forbearance Option that was about to be put into motion. We got the forbearance, yet within a week, ASC called back, and based on a plan I suggested they use, was submitted to the investor, and they approved it three months ahead of schedule.

All of the delinquent payments were then rolled back into the loan, interest reduced, payments reduced, and the rest goes into the history books. I've got you to thank for this Kelly, and I have passed this info to others whom have contacted me, and told me that they are starting to move forward in a positive way. ASC has also told me that the plan I suggested they implement for us, will now be used in other situations. A plan that has never been used before. I'm a Realtor, suffering like everyone else, yet WAMU agreed to a loan mod on another property that I own, and worked so well, I had to tell ASC where they were falling short, and how this plan could make it a win, win situation for the both of us. 3% year one, 4.5%, year two, 5.7%, year three, and every year thereafter.

So there you go. It's snowballing, and God used you, as he has used me to help those who are at a total loss as to who to trust, and which direction to go. I still look back on that morning when I got that call from my wife, and immediately thought of you. I saved your blog in Microsoft word, and was able to retrieve it. I needed to say thank you over and over again. I'm a firm believer that when you do good for others, good comes back to you. You're a God send Kelly, and I owe so very much to you for what you have taught me. If not for that information I just happened to stumble across that day while on a last chance mission, our home would now be gone. A million hugs and kisses to you my dear, you to are a totally awesome person!
A wonderful Christmas to you and yours!

I believe in miracles Kelly, and whether you know it or not, God appointed you as my guardian Angel!

Warmest regards,

Jeff Taylor
----- Original Message -----
From: Kelly L. Hansen
To: classicdad@cox.net
Cc: Kelly L. Hansen
Sent: Friday, December 19, 2008 9:14 AM
Subject: i'm so happy for you! Thank you for your kind words - they mean more to me than you could know.

wow -- I can't tell you how much your kind words were needed today. 30 minutes ago, I said out loud (only my dog hears me) "God I HAVE to have some good news TODAY!" Your e-mail may have been written a few days ago, and I'm sorry I didn't get your voice mail, but God used you tonight, Jeff. Just knowing you took the time to write is awesome. You will just never know, honestly, what a blessing you are.

So many people are hurting, and your encouragement took a 200 lb load off my heart and gave me double the strength and motivation to keep reaching out.

People are so scared to trust anyone - and they should be. May I share your e-mail with others fighting to keep their homes -- and prayerfully SOME equity? I do understand if you aren't comfortable, and I promise I won't send it any further. I have to ask because I know what it would do for so many facing the same mind boggling struggles. So let me know if you are comfortable with passing along some smiles.

GOD BLESS YOUR HEART. I THANK GOD ABOVE THAT YOU WERE BLESSED WITH A POSITIVE OUTCOME.

If you have already written your story anywhere, I'd love to read it! I want to know (I promise I'll keep everything confidential) who finally cared enough to help a hurting homeowner!

Yes, I'm still in my home but now after Wells Fargo Bank dba Americas Servicing saga was all worked out, loan reinstated, $12, 000+ credited to my mortgage account -- 20 days later my home was sold at a sheriff sale. I walked with eyes wide open smack dab into the middle of a foreclosure rescuer scam artist LLC. "Equity-Strippers." To just say just the very least, and leave you alone, they forged a Quit Claim from me to them, mortgaged my property to the max hat at one time had significant equity (for me) and now I'm fighting with

APPLE ASSETS LC
BEID: 3016292
DARRIN T. VOLK AND LARRY HEDENKAMP
9379 WEST 75TH STREET
OVERLAND PARK, KS 66204

under investigation for mortgage fraud, forgery, and sexual battery -- six identical cases in court at the same time all Quit Claim fraud, all forgery, but I'm still fighting just so exhausted. DEAR LORD, WHAT'S UP? I don't know where my story ended with you, but let me know if you want to hear anymore about the pain these lenders lovingly spread around -- if I were you and FINALLY had a happy ending, I sure would understand if you prefer to move on.

If I had a happy ending, well, I'd still stay very very deep in this. Too many people have too much to lose. And they are losing it.

Tonight I'm going to take my legal books away from this laptop, and pray a huge thank you for your happy ending. So, so nice.

Thanks for sharing.

"." wrote:
From: "."
To:
Subject: Thank You Kelly!
Date: Fri, 21 Nov 2008 22:19:47 -0800

Dearest Kelly,

I left you a voice mail this evening. Thank you!
I've passed along to other ASC victims, my success story, and your info. Thank you!
Your blog comments helped me save my home. Thank you!
You are a God send Kelly, Thank you so very much!
Your efforts were not in vein.

Kindest Regards,

Jeff Taylor / San Clemente, CA / [protected] :)

i was supposed to get help and i wasnt even behind city misplaced my certified check and sent my payments back to me witch put me in forclosure .i called for help from hope .big mistake i made the payments, i was supposed to with the help of hope they forclosed anyway i have prof of all payments and city recieving them and still lost my home. city said they never spoke to anyone on my behalf about my payments.after the foclosure hope said the lady that helped me didnt even have a lincience to work in my state.they hendered my case not helped it .i lost

let's get together and do a class action lawsuit. I'll research the law firm

call me at [protected]

Please advise everyone and anyone who is checking on "ASC", "America's Servicing Company", they are, in fact, a/k/a "WELLS FARGO BANK, N.A.", do not be fooled by the great reputation of Wells Fargo Bank, because it is truly, honest to God, "ASC"! They have so much money, there's no end in sight, they have the ability to falsify documents, make false accusations, promises or negotiates for mitigation of your loan is only a deploy to delay you and make you believe they are working "with" you, but truthfully, they are biding their time until a "default" can be entered in the foreclosure matter that is presently pending, then they'll tell you that they need additional paperwork and/or 30 days to decide, which is a code for 30 days they will have your home sold at auction and they will invite you out of your home. Seriously folks, tell anyone and everyone you know that deals with Wells Fargo or ASC to remove any and all accounts from both of them. Your only way to make any money is to own stock with Wells Fargo Bank, N.A. and become a stockholder. You are guaranteed to lose your home or property if you are in business with them. Check on Wells Fargo's ownership in whatever other businesses so you have a better picture.

OMG...we are also with ASC and like the others here, we were mislead and have been hit with foreclosure. We called hundreds of times, with no avail...never was told the same thing twice...was told payments were never received on time...and the straw that broke the camel's back was when they took it upon themselves, without our authorization, to debit our checking account for two payments! They claimed they had our conversation with them recorded with our authorization of the transaction. We asked to hear that recording and of course, they weren't allowed to do that. This all because we tried to work with them by asking for a deferred payment for 1 month and they were going to send us the papers to sign and return. While waiting for those "papers", we were notified our home was in foreclosure! This all began 7 months ago...we contacted a company that works with foreclosures and we were told ASC is the worst company to work with. Oddly enough, through all this, we kept receiving letters from ASC saying they wanted to work with us...I had a odd feeling about that, and after reading all of the complaints here, I now know my gut feeling is justified. What can we all do about this horrible company? I am beyond sick about losing our home...the last letter we received from them stated they would give us their decision in 30 days...and it has been well over 30 days. How can these people continue doing this? PLEASE, someone respond...I don't know how much more of this I can take!

If at all possible avoid doing business with this mortgage company. I fell on hard times after becoming disabled and losing my wife to cancer over a year ago. This included my mortgage payment causing it to be a month late with no possible chance of catching up in the near future. ASC set up payments to be drawn from my checking account at the end of the month at the time I get my check. Problem solved... Hardly, ASC calls my home 10 or more times a day in collection calls. They set the payment schedule, but cannot change my status in their computers to reflect this, or so they say. I say BULL to this. Why should I have to explain to their employees programs set up by one of their own. This is harassment pure and simple. I did not choose ASC as my mortgage lender. They bought my mortgage from another company, I wished they would sell it back

Last month, I mailed my payment from Ventura to Los Angeles a week before my mortgage payment was due. What is that? A 50 minute drive? After four days, when my payment did not post, I called them. They told me to call back the next day (the deadline day for being on time). I did so. They told me to call later in the day, that by 2:00 or 2:30 all payments would have been posted. I called and my payment was still not there. I was told the payment was not there or it would be in the system as pending. I put a stop payment on the check and paid over the phone so I could be assured the payment was received. About a half hour AFTER I paid the mortgage over the phone, my check was posted to my account. So next thing I know, TWO payments are being charged to my bank account. It took two more days of phone calls to get this straightened out. So by that time, I had a stop payment fee AND a pay by phone fee. I was out money, and they had made their phone fee telling me that my payment had never been received. Although the customer service people I talked to (for the most part) tried to be helpful, it is obvious that there is a ton of ineptness in the process they have going on down there. Absolutely amazing. I can hardly wait to get out of this loan! Eight months and counting... :)

Here's how it started our mortgage got sold to ASC . And every 2 or 3
months our payment would go up.we were getting late fee's
even though we would send our payment on the 1st of every month.
It took us a few weeks to get intouch with them. They told us we were sending our payment to the wrong address? WE USED THE COUPON THEY SENT US! Our payment stared at 400.00 a month but
when our house was foreclosed on it was over 1000.00 a month. And
with things as they are we could not pay it.We tried to get them to work
with us, but we got no help.Because of them my life has been turned
upside down. i have lost all faith in all mortgage companies.I feel as if they just swept us under their rug and hollowed who's next!

After ASC bought out our Mortgage. Our Homeowners Insurance renewal was due. We had our own underwriter and had our new binder which I faxed to ASC at the fax number given by them to prove continued coverage. I kept all paper work including the fax conformation with number, date, and time.

Today in our mail we received notice that they had never received proof of coverage and had set up a policy and would add this into the monthly payment. Illegal as one can get.I have also tried repeatedly to contact these people, where ever they are, probably out of the country and non English speaking, to get information on taxes, no luck.

I am very dissatisfied and will use every opportunity to insult this company and make sure other consumers understand the awful service this so called company gives.

My spouse inadvertently missed a payment in OCT '07. For the next year we made all payments on time. I recently started paying our bills online and when I called ASC to get billing info, they informed me of the missed payment, 16 months later. I have now learned that it took 12 months for us to reach the magical 30 days past due and our last four payments have been reported to the credit bureaus as such. And just when we had finally gotten everything in order to re-finance and get a great rate. Shame on these crooked, back-handed posterior exhaust ports! They have my phone number, but I guess it was too much trouble to phone and let us know their was a problem.

I am writing in regards to a breakdown away from home. Our second one while on vacation to be the least times to expect Car trouble! So traumatizing to my family - My vehicle has left us stranded and with very little response from the most recent breakdown. We left messages while being stranded on the side of the (busy freeway in Long Beach Ca) freeway and never got a follow up call the next morning. Called roadside and found out it only covers 3 miles and only a $50 dollar towards the tow. Towing operator took too long to get info or dispatch tow that -We had another tow from Pepboys reward program show up faster! Not to mention it was after dark on the busy 710 freeway! I know it is impossible to xray a car or know when your next breakdown will occur but by all means at least reach out to your clients to follow with peace of mind that you will assist to keep you informed... I had to call to get my own claim started after leaving detailed message to please call us. Car was taken to a Nearest Pepboys to get diagnosed and possible repairs for the cooling fan over heating car and still after two days no call back or to repair facility to pay claim. Advisor or rep had said they could not go beyond value of car after being explained it still had almost $350 dollars in value left on account! I was shocked to find out of a cost cap to the value of car! The warranty had done so well and find out that on your vacation nearing the last dollar amount left for coverage you cant even get home or be more informed to get the car back on the road is so disappointing. Still stranded in Long beach CA covering extra charges for hotel, taxis and all other related expenses out of pocket! Rental company claiming I cannot get a rental cause in not local resident with collateral or return! Never had such a bad experience already complained to enterprise after being a ling time customer! (Another issue) Still have not gotten home to added frustration and worry that no one cares anymore. Worst vacation experience ever. Still haven't gotten peace of mind that they cover the claim to get my car back from repair show. Horrible, horrible incident to go through.

Mr. Lopez: First, let me say that you need to learn how to spell. When a person "sues" he is not "sewing" as you stated. Its obvious that your demeanor and attitude is not one that belongs in the mortgage collection business. People who have ASC are not all "horrible credit rating" people. Some of these people have the down payment and good credit, but aren't able to get put with a "prime" mortgage company. You need to understand that there are reasons, legitimate ones, as to why people have their credit marred. Maybe you should look into those reasons before berating people. Do you really think that if ASC walked into a courtroom, where the whole point of the law is JUSTICE that their lawyers have a better chance of winning against opposing counsel(s)? Come on Mr. Lopez do some research before berating and showing your poor thoughts for humanity! I have ASC and I have had no problems with them. Now, if I had to deal with someone like you, then yes, I would have to say my dealings would not be with that of a person in deals with people in a considerate, friendly, and tactful manner. Stop trying to humiliate others to make you seem a better person to yourself!

I have had 8 mortgages over the past 30 years and this company took over my mortgage about 3 years ago. ASC is by for the worst mortgage company i have ever delt with. They only use automated systems which calculate payments, applications and escrow accounts for the benefit of the company and not the bowerer. The structure is to increase charges/fees to the borrower and set up traps which require constant monitoring. If your payment is changed for what ever reason and is one dollar short the whole payment goes into suspense and you are automatically reported 30 days late. There is nobody to talk to, and if you get a hold of anybody they will do nothing! The provisions of the escrow accounts continue to change and beware of property tax payments. I had ASC pay property taxes on my behalf when they had already been paid. The arbitrarily set up an escrow account and it took me a year to get it removed. They charged fees all along the way which also took me a year to get back. This company is unbelievable! I have been sooo frustrated, I would rather deal with the IRS than these guys

BEWARE!

We were behind on our mortgage, we were trying to catch up sent them a payment that they would not accept because we were 3 monthes behind and so we went into foreclosure, before I even sent that payment, we were trying to work with them to get the arm rate to a fixed rate because this is what caused us to get behind, we could not afford the amount it went up to when the arm changed. We were not told it would increase by 300 dollars or more. They asked for information to work on it and than repeatedly said they never recieved the faxes.. So I would refax. Than they would have it but it would be the 1st one I faxed them. Also as I work in credit we have to get a decision to someone within 30 days. These people were dragging their feet and said 30 to 60 days well of course foreclosure would hit before they finished. So we took money from a 401k plan to catch up and were told that loan modification would no longer be able to help us we had to start all over with the art dept. which meant refaxing everything yet again. They finally said 30 to 45 days it has been 60 nothing has changed on our loan and we have not recieved any kind of decision from them. So I feel this company wants you to fail so they can take your home from you. They are part of Wells Fargo and it is sad to see such a large company scamming people and than advertising how great they are...

Let's do the class action lawsuit. Please let me know if you want me to research
an attorney.

Please call me at [protected] - I'm in Los Angeles County

How AWFUL! We have been dealing with this horrible company for months trying to get a loan modification agreement - they sent us another persons agreement, lost our information many times, lied and lied and lied, can't keep their story straight. Something needs to be done about them, any ideas on who to contact or what to do?

I have read all the complaint and i have to say that it made me feel better to know that i am not alone. It will do you no good to waste your time trying to find out info on asc. Try wells fargo that may help u better because i keep getting envelopes with wells fargo home mortgage printed on them and i am financed through asc. On my good days i gather my friends over and we get out my paper work from asc (that is all the stuff they have messed up like my escrow account, how much i do or don't owe for that month, my canceled insurance paper for my insurance company because they didn't pay, but i was paying 451.00 to much in escrow a month for over six months) and i call every department just to see how much more stuff they can screw up. They have put my family in such financial hardship that know every payment is late and not only theirs. So life goes on my family is still together we are in ruin but alive. We have know other option but to let the house go and find a rent to own somewhere; so for now i am staying here rent free. So long to asc!

For everyone who complains about ASC, think before you make your post. I understand people's frustration with the process of doing loan modifications but you are dealing with money and this process is still a business. Everyone thinks that they are going to qualify for loan mod or the new plan because the economy is bad. However, how are we going to modify loans if there is no income or your debt exceeds your income by over $1, 000? Some people don't want to hear that they spend too much or make enough to keep their homes. I understand the importance of homeownership but the truth is, some people just can't afford to keep their home. If a loan is modified with little or no income, we are doing a disservice to the people who are really having a difficult time because those people will almost certainly call in 6 months to say that they need another loan modification. Also, people seem to think that machines are infallible. If we ask you to resend your info because we didn't get it and you got a confirmation number that your fax went through, why do people assume that reps are lying? People have to remember that ASC services millions, millions! of loans and with the number of modifications being done and paperwork being sent via fax, its quite possible that your info did not come through. if you are really serious about saving your home as you say you are, then how hard is it to fax it again? People, understand that its a business, a process to get loans modified and lastly, we are dealing with money..

This stupid company paid somebody else's taxes with our escrow acct. It took me 3 months to get it through their dumb heads we didn't own that property.They went up on our payment because of course there wasn't enough money in our escrow acct. to pay both our taxes & Ins. What dummies. It still isn't completely fixed because on our statement it says suspense. They are trying to collect from the other party before they put our money back into our escrow. It was their mistake, but in the meantime we have to pay more monthly. Our payment went up 300.00 extra. The webpage is a joke! I haven't yet been able to view my acct. online.

My 3 year ARM was sold to ASC about a year and a half ago, and it just ran out 2 months ago. My interest rate rose from 5.5% to 7.35%, and was told it could increase another 1% next year. When i asked if there was a fee I could pay for an extension on my old loan, I was told NO. Because my rate payment increased by $355, I would send in two separate checks for my new payment because I already had automatic payment going for the old amount. For two months, they applied both separate payments to principle only, and filed late charges against me. It took an hour on the phone to get this corrected. I was told that if they did not receive the full amount in one payment, it's not considered a payment, and it just gets applied against principle. When I came online to look at my report, I found that there were many people with the same exact problems. I guess my biggest question and concern is, with these complaints people are filing, is anyone, or agency taken on the tasking of correcting this company for it's bad practices? Fortunately I will be selling my home in less than a year, so I won't see the high increase in my rate again, nor will I have to deal anymore with this company.

I am entering my 5th month in a fixed modification loan with ASC thru Wells Fargo. I have made my first three payments on time and to this day, they still have not applied my payments correctly. They are deducting late charges from my reversed payment sitting in their suspense account, reducing my cash on account which leads them to argue with me that I do not have a full payment that can be applied to the past due payment. They are reporting me LATE when I have been busting my A$$, cutting expenses EVERYWHERE possible to improve my credit after their pathetic excuse for falling one month behind pay back in six months option which digs you into a deep grave each month... Every time I call, I go from Customer Service to Loss Mitigation and then back and forth.. No body sees what the other sees, and no body knows where my money is, why it was reversed and how to get it applied properly. Not only do I have a life and have been hit by this slumping economy with RISING COSTS, I sure don't have hours to waste daily to avoid loosing my home and having my children and I without the home we have called together for 9 years... This was a loan sold to ASC and it scares me that more and more people are going through the same thing I am... I have to search tonight to see if there is a class action law suit. Also, I contacted HOPE and they actually called ASC with me on the phone.. I finally spoke with a supervisor who said he didn't get my two messages in the past week and then sent me to their retention dept/review dept and a woman’s name that is out of the office and two other people to contact... I have left the 800#, area code 515 and I am back at the "tag your it" game. I've documented every date, every name, what they said, every number, every message and I am ready to send a certified letter to the president/ceo/cfo/cfoo, who ever and document what has occurred.. Enough is enough. I’m paying now that I have a fixed amount and had a month or two to catch up after the holidays, so why all this extra drama...

I had a previous loan company who sold my loan to ASC. They do everything but help the homeowner try to keep their home! I became disabled in Aug, of 2017 I have had it hard with it being only me with a small disablity check coming into my home only once a month and also taking care of 3 children under the age of 18. They dont seem to understand that once a person becomes sick they no longer have the income they once had Lord knows SSI don't pay you what they claim that you are intitled to. They have no business lying to individuals the way they do. They told me that they would keep my interest rate low so that I could afford my payment and they the liars did exactly the opposite of what they said they were going to do to help me.I don't have anything nice to say about them except you are nothing but a bunch of rip off' liars that think of only yourselves to take advantage of a disabled person like they have done me is in my book only forgiveable by GOD! I hope he forgives them cause he knows that I can't!

ASC - Needs a wake up call. WE SHOULD FILE A CLASS ACTION LAWSUIT. My parents' loan was sold to them two years ago. They are hard to reach, one department doesnt know what the other is doing. The refuse to send you to a manager to lodge a complaint or say there isnt one available. My parents had great credit and was placed in a high interest rate (because of their age, so the broker told them), during a time when interest rate were between 5 - 6.5%. I have been trying to modify their loan by and/or requesting for a rate reduction refinance over the last year and denied three times!...Now my mother passed away, my father's income alone will not cover the high monthly payments. We placed the house for sale, received 13 offers. I am requesting a short pay on the loan since my parents put $230, 000 down on the home, now with the current home price drops my parents have lost that. So I think ASC taking a 88% as a pay off is a pretty good deal compared to what my parents lost. They have not called back and 4 weeks have gone by, we've had to fax all the paperwork twice. I call them everyday...when I ask to speak to the negotiator they tell me I cant but they can leave him a message to call me, still no call. We are most likely going to use the highest bid on the house which would have made it possible for my father to move to a senior park...

asc has screwed with my mortgage payment for almost a year before i got through they said they never received two back to back payments we got a knock on the door in december of 07 it was a lady wanting to help us with getting us out of fourclosure we looked at her and said what are you talking about called them that is when we were toldd we had were 2 payments behind from aug, sept of 07 they said to send them 3384.00 and they would do and loan mod. for us but in the mean time they said not to send in any money it would not going to go against my credit it not only went against my credit they told me 4 month later when i had been calling every month at least 2 or more times they keep telling me nothing had been done yet finally i got a answer in late april I had been denied. I then spent 1300.00 on a loan modifacation company that went to bat for us they got our loan through it went up 500.00 a month because of the month I didnt make those payments for all those months our payments are up to 2500.00 a month we have 7 kids plus another 17 year old we are helping out I am the only one in the house that works now the company is slow and I might get laid off I hope to get refianced before all this happens

I got approved for the home loan modification trial plan in September 2017 and paid my new payment with no problems once the tree month mark came I called Asc to find out when my paperwork would be in the mail and they stated that they are still going over the paper work to see if I qualify and to just keep making the payments until they reach a decision so I did then I got a phone call and a letter stating that I would be getting agreement package in the mail two days later I get another phone call from asc stating they don't have all documents in to resend every thing I set them 3 month before so I did and waited and this proses went on and on saying they didn't have all the paperwork the needed up in till a hole year now I get a letter stated due to not sending all documents in my House is to be sold at action September 21 2017 I currently trying to work with the wells forgo president line to get help this is my first houe I bought 10 years ago when I was 20 years old but I only have about another week before the sell if there is any class action suits I need to get on board pls. I'm currently disabled and now my soon to bee wife is trying to make ends meet with 6 children in the home and my credit score is down in the dirt I cant even get a rental I don't know what to do

America's Servicing Company (ASC) bought my loan October 2017. Since, in less than six months as of March 23rd, 2017 (the date of last phone call I have received from them) they made three big mistakes! Each time, they clear my monthly mortgage payment, apply it the wrong way, apply the whole amount to the principal, then call me requesting to collect a debt saying my account is delinquent, that I didn't pay my monthly mortgage. They are applying my payments incorrectly and charging me a late fee of $49 each time. (sure I made them remove the charges after I found out how they are making these mistakes but still ever month or so they call and bother me at work and give me hard time.

When ASC notified me that they bought my loan, I signed a document giving them authorization for automatic withdrawal, but I had to withdrew the authorization of automatic withdrawal from them the very next month because they tried to sell me, by force and intimidation, a home insurance even though I told them that my home insurance is covered by the Home Owners Association (HOA), and that none of the previous lenders requested it directly from me, as they get it automatically when they buy the loan!

I felt that they were trying to trick me, intimidate me in case I do not get the documents they requested on time that they would have to withdraw the insurance coverage fee directly from my account. For that reason I had to withdrew my authorization and stopped them at once from touching my bank account.

I am not sure, I cannot prove it but since I withdrew the authorization and gave it to my bank to send them a monthly payment, since that day they keep making mistakes when it comes to my account. I wonder why in less then six months why it happened that they would apply my monthly payment incorrectly?

I tried to find an e-mail address for ASC in order for me to send them an e-mail, for my surprise they do not have one. They have a website where I can only check my account, make a payment but they do not have "Contact us" nor an e-mail address where I can write them directly.

Also when I checked ASC on the Internet this is when I found out that there are too many people complaining about ASC for years now! I am wondering why till nothing was done about them ?

The actual website name is www.mortgageaccountonline.com and it does work as I use it myself to see payments credited, escrow information and property taxes, as well as amortization schedules, and yes you can make payments with the just in time one time draft service is free. No, I do not work for America's Servicing nor for Wells Fargo, I am just an everyday ordinary citizen going about her personal business. I will say this for the company when we had problems with out payments or questions, the customer service was excellent and they explained everything patiently and thoroughly.

Made payments, forclosed 10/07 for non payment, notified in 2/08 we were in forcloser, have 4 forbarence agreements new loans have made all payments early, still 2 days before payment due they charge late fee reported to credit bureu we are 31 payments bedhind but each year we have recieved 1098 for interest payed on mortgage over 10000.00 now they want to do a new modification with payments 3@ 1100.00 and 1 @ 41000.00
and then will look over payments and refinace 121000.00 all together 165300. 10years ago we paid 76000.00 we have no equity and never took out a second but we 97500.00. the judge dismissed the forcloser each party pay there own fees and he told asc they need to learn how add and the lates charges he did believe in them. I have faught for three years alot of money and stree and time I am tired. i dint think any of us can win.

I WILL CHAIN SAW MY HOUSE DOWN TO THE FLOOR LEVEL BEFORE I LEAVE THE HOUSE BECAUSE OF FORECLOSURE, I WILL PUT LIQUID CEMENT IN EVERY TOILET, SINK AND HOLE I CAN FIND, SEE IF THE CAN MAKE ANY PROFIT OUT OF ALL THE SWEAT I INVESTED FOR SO MANY YEARS OF HARD WORK.

There is no way that a mortgage company is going to foreclose if you are one month late. In fact, Wells Fargo gives you a 30 day grace period to pay your mortgage payment, as do most other mortgage companies. And most companies (Wells Fargo included) will bend over backward if you call them if you are going to be late. You could have worked out a payment arrangement, gotten a forbearance, or in worst case scenario filed for bankruptcy. But they never would have foreclosed after one month. Foreclosure is a complicated procedure and by law they have to give you options. Sounds like you are in a bit of denial and unwilling to accept the responsibility for your own actions.

What does being a cop with kids and a wife have anything to do with this? What scares me is you are a cop, are you as bad a cop as you are in home finances? Just like you say to your suspects, there’s more here than you are telling. Oh and read you contract, you will find that just one payment missed is reason to foreclose or demanding full payment of the total loan. You could have easily worked out a forbearance agreement when the problem first happened. I do not know of a single mortgage contract that will accept a partial payment. The very seconded you get in trouble, what is anyone advised to do? Call your creditors! Even ASC will work with you.

Looks like someone needs to look up the definition of the word "ironic" in the dictionary.

I'm ready for a class action suit too. I think we should get all our stories together and go to our congress people first. I can set up a Facebook page that we can all write up our complaints or something. We are doing a short sale on our home because we no longer want anything to do with ASC and we have to move for my job anyway. They have been jerking us around since last August on a loan modification. First they didn't get the paperwork, then they find it, but we have to redo it because their imaging dept can't scan anything in blue ink. We had to redo in black ink. Can you believe that? There's more but it makes me sick to my stomach when I think about them.

let's do a class action lawsuit. call me at [protected].

I have read all the complaint and i have to say that it made me feel better to know that i am not alone. It will do you no good to waste your time trying to find out info on asc. Try wells fargo that may help u better because i keep getting envelopes with wells fargo home mortgage printed on them and i am financed through asc. On my good days i gather my friends over and we get out my paper work from asc (that is all the stuff they have messed up like my escrow account, how much i do or dont owe for that month, my canceled insurance paper for my insurance company because they didnt pay, but i was paying 451.00 to much in escrow a month for over six months) and i call every department just to see how much more stuff they can screw up. They have put my family in such financial hardship that know every payment is late and not only theirs. So life goes on my family is still together we are in ruin but alive. We have know other option but to let the house go and find a rent to own somewhere; so for now i am staying here rent free. so long to asc!

The same thing happen to me with them. I now how a payment that is way to high for the house I live in! What can we do?

My dealings with ASC have been horendous also. I was sold to them by Fremont investment. Shortly after that I had some taxes due, and ASC paid them with out my consent. They then tacted the amount onto my ever rising mortgage. When I could not pay all at once, I began to make 2 payments within the same month. That tacted on a late fee. Then ASC would send out appraisers to my home for which they charged me for. Not once, or twice but several times a month. When I asked for restructuring or loan modification, they gave me a plan that was $1000. more than what I had been paying a month. When I could not pay that they set it back to the original ridiculous amount, that I had trouble with and then stated over the phone that it would be that amount for 4 months, then the 5th month (July) they were not sure what it would be. When I got the agreement in the mail it said I will owe $14, 456.00 for the month of July. Boy! am I screwed. If the $2, 558. was hard, then the$3, 558. was way to hard, then back to $2, 558., hard a again. What makes them think I have $15, 000.00 stashed some where. My orignal payment was $1, 500.

We are also victims of the Horrible company ASC. We have had our home for 7years and they took over the loan originally from WAMU. What a diffrence we fell behind in payments and I madecontact with them and wired them 1575.00 to start my loan MOD and I just found out that they are foreclosing my home whikle I am still paying them all of thast money. I could have kept that in my pocket and moved.

These Vulchers need to be stopped someone need to contact the Governor or President someone with power to help us the people of the Inited States. HELP! Lets all class action this place

Have anyone had any luck with their mortgage modification? If yes, please post a comment with the actions and tools that was used to achieve the modification.

I have been going through the same thing with ASC. I applied for a loan modification in December and was told that it would be at least 45 days before a decision would be made. 3months later I get a letter telling me I was denied. Now sitting in full forclosure procedures. I reach out to some companies for assistance. I was told to get the pa 91 notice but ASC refuses to give this document to me. I can only pray to come up with the money and REFINANCE out from ASC... Horrible Company.

I am also getting screwed by ASC. When my mortgage was sold to them, nobody sent a letter or called, so I sent my regular payment to my old mortgage company. The check was cashed by the old company, but was never applied to ASC. So from day one with this company they have said I am a payment behind. So I finally just paid an extra payment to get them off my back, which put me behind on everything else. Then they messed with my Escrow account, and put me in the negative which in turn raised my mortgage payment It's been one thing after another with this company. I fell behind 2 payments, and now I just recieved forclosure papers. I have until April 21st to pay to reinstate, which is an ungodly number. I want to pay, but am scared to death I will pay and it will just be something else. I can't keep digging myself out with them, when in all actuality they are the ones scamming me.

OMG, I thought it was only me! I am totally screwed byASC. There modification dept totally misinforms!
I started my modification in Nov 2007 and was told the same thing it would take 30-60 days and would be assigned to a negoitator within two weeks, oh yes and not to submit payments to either put them in a suspense account or a savings acct until the modification is done, because investors will not help if there is not a need. They assured me the payments would remain the old amount until the mod. was complete . I was not convinced this was correct so I asked to speak to a supervisor who advised me the same, I took down names and employee numbers and reasked the question everytime I called which ended up being a spreadsheet because they would not return calls. Needless to say it took 6 months and refaxing the same info 3-4 times for them to say they denied me because I did not meet the new Debt to Income guidelines. They told me to redo the modification. Now I find out that as soon as they denied me the sent my loan to there attorneys for foreclosure. Oh it gets better, I now have 6 months of late payments on my credit even though I made a big payment upon finding out what was going on, and come to find out they did not offer locking in my old payment amount because being I was denied they claim it is all invalid. This loan I was a co-signer with my mom on it is her home, I have my own home with an adjustable that expires in Nov and now I will not qualify because my credit is totally shot! Thank ASC! I have tried everything and still at a dead end with no help in sight! How sad that nothing can be done about ASC, I am a single parent for the past 12 years and everything that I have worked hard and sacrificed for so my children can have a headstart in life is now GONE!

This is a comment for HOWARD! Like ADA I did not get a letter saying we were being sold we have NO PAPER WORK FROM ASC ... How how the hell can we "put on our underware" and grow up, And further more because of your ignorance I hope your mort gets sold them them! You'll see! BTW Happy Easter!

I have been approved for a Loan modification and they are taking much longer than the 45-60 days..however..the incorrect info they gave you was you must continue to pay..even if it increased...which is what I have done..not easy, but no way did I want to go to foreclosure.

I started with Freemont as well...no one really cares and there is no one to escalate to.

Read your letter of loan transfer. You are told that any payment made to the old loan company will be applied to the new loan holder with out any fees or penalties. This of course do not go on forever, there is usually a 30 or 60 day period for the transfer. That letter spells it all out. Put on your underwear and grow up. “These people” are not “getting away” with anything. They are doing what is legal, and what is spelled out in the contract YOU signed, read it.