Complaint Rating:

I wish to file a consumer complaint against Allegiant Legal Group of Tustin, California. They misrepresented and used fraudulent claims to take advantage of me and other consumers wanting loan modifications from Bank of America. Because of their fraud and incompetence, I am now facing imminent foreclosure which could have been avoided. I spoke with Chris Smith at Allegiant who lead me to believe that I was definitely qualified to receive a loan modification and that I could stop making my monthly house payments and use those funds to pay their fee of $2800. I stopped making payments on my home loan in July and wired my first payment of $500 to them on 7-25-12. When I called back Lucy Smith said her brother but was no longer available for some reason so I assumed Lucy would be handling my account. Then I was shuffled to Jim Baker and was told to wire money to my case manager Rosie Garcia who by the way I never spoke to. Ultimately I was shuffled over to Kim Slater who Lucy swore was absolutely the best one to have. I then wired another $500 on August 30. Around the beginning of September I started getting phone calls from Fred Sherman of B of A. I sent emails to Kim Slater starting on Sept 17th to please contact Fred for me so we could move forward. I got no response from Kim so then started calling her with no luck. After 3 weeks of no response from Kim I got fed up and started calling around to all the numbers I had at Allegiant. I finally got Lucy who said that yes Kim had been unavailable because of some excuse and gave me to Vanessa who is now the sixth person I have dealt with. Vanessa assured me that she was on top of things and had a phone appointment with Fred of B of A that afternoon. Vanessa promised to call me that afternoon after she had spoken to Fred. No call came that day or the next. In mid October Jim Baker and someone else by the name of Tim said they would refund all my money $1000 at that time if I wanted and I agreed. About this time B of A said I wasn’t qualified for a loan modification and offered me a forebearance agreement where I pay $1729 a month for 12 months to catch up on backpayments. This is $600 a month more than my regular payment was. Lucy Smith called shortly after this and said don’t you dare sign that forebearance agreement. After speaking with another manager Ed Deleon who convinced me that Erin Lewellin was his best representative and she would get this done I agreed to move forward again and I sent them more financial information and another $1400 in 2 payments. They now had $2400 of my money. Erin even told me by email that she had a 100% success rate and she would supply me with references if I needed. Based on this advise, I did not respond to the B of A Forebearance by the deadline of November 15th. On December 3rd I received another letter from B of A stating that I was not eligible for the loan modification I was asking for and they were proceeding with the foreclosure process. I immediately emailed Erin at Allegiant asking her to call me. At first she responded by email the next day but did not remember who I was. Finally she emailed me that B of A told her they had offered me a plan in October. Well that was old news Obviously she had dropped the ball on this. After numerous emails and messages to call me she replied back that she had hundreds of files and I was inline and she would get to me. Finally I contacted her manager Ed Deleon by email and she finally called me after 8 days of requests. It is my contention that I was never qualified for a loan modification by B of A and Allegiant told me I was just to get my money. They then used false claims to keep me sending money and because of that I am now facing foreclosure because of misrepresentations they made over the last six months. I am requesting immediate relief of the return of the $2400 I have sent them.