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EMC Mortgage Corporation / Terrible everything

1 United States Review updated:
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This company has put me through hell. Due to the current mortgage and economic crisis I have had issues with making my payments on time. My goal was to keep my house out of foreclosure. My income has been decreased nearly $100, 000 per year. I received a letter from EMC asking for me to call them so they could 'help' me. This is not what I found when I called them. Both people I talked to were rude including the supervisor. I called and spoke to a person who wanted all my financial info to see if they could qualify me for a hardship program. After reviewing my information she told me 'you are beyond help' and 'you should consider getting rid of your car or getting rid of your house' She then went on to comment on the amount of my car payment and said 'well if you weren't paying XXX a month for your car maybe you could pay your house payment and maybe if you didn't have all that credit card debt then you could make your house payment' I explained to her that I'm used to making a significant amount of money and this financial hardship isn't due to lack of responsibility. I've always been able to pay my mortgage and my bills consistently for the last 4 years. I also pointed out that I've always made my payments on time up until this happened and she didn't care about that. She suggested that I consider putting my house up for sale and do a short sale. Wait, I'm trying to keep my home here and keep making my payments and be responsible. Based on my situation I was trying to explore my options to see if I would qualify as the letter had suggested for some help to get me on track again. She was extremely rude and I asked to talk to her supervisor. In a nut shell, the supervisor told me 'you're so far gone you need to sell your house.' I said 'I'm trying to save my house, pay you and not have this home foreclosed on.' My frustration was mounting and he proceeded to tell me that I was 'taking out my frustration on him and that I was made at him for not helping me' That wasn't the case at all. I was upset with how rude and unwilling to help these 2 people were. They also treated me as if I was a low life person who doesn't pay their bills because I'm out spending money somewhere else. The supervisor ended up hanging up on me.

Bottom line, EMC is a terrible company and if you're looking for good customer service or for their representatives to be curious think again because it won't happen. I'm surprised this company is still in business given the way they treat their customers. That call was very hard for me to make. I've not been in this position and to be treated that way was very demeaning.

Bo
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Comments

  • Os
      6th of Apr, 2009
    0 Votes

    To say that customer service is rude is a compliment towards this Organization that is as f--ked up as truck load of coat hangers. I've called at least 8 times in the past 4 months attempting to get a loan modification. Every single time I call no one has a record of the past calls and I go through the same s-it time and time again. It seems there are least 8 depts within a department and no one knows anything. I've faxed all the documents that were requested twice and each time I'm informed that the procedure has changed and I need to send them again. It is beyond frustrating and the only solution I see that will end the madness is to fire the CEO and top management in public; perhaps on Times Square (New Years eve). I also think it only befitting that a thorough ### whipping should precede the ceremony.

  • Kb
      28th of Sep, 2009
    0 Votes

    I HAVE SUBMITTED ALL MY DOCUMENTS TO EMC FOR THE MODIFICATION OF MY MORTGAGE LOAN FIVE TIMES WITHIN A THREE MONTH PERIOD. WHEN I CALL I WAS TRANSFERED TO ABOUT THREE DIFFERENT DEPARTMENTS AND NO ONE COULD HELP ME WITH AN ANSWER, THIS HAS BEEN GOING FROM FEBRUARY 09 I GOT SOMETHING NEW IN THE MAIL TO FILL OUT IN JULY, I FILLED THEM OUT AND FAX IT TO THEM HAS THEY REQUESTED AND I WAITED AND CALLED TWICE AND NOBODY COULD GIVE ME A STRAIGHT ANSWER. I WAS GIVEN THE SAME PAPERS AGAIN THREE TIMES TO FILL OUT AND I AGAIN FAXED THEM IN AS THEY REQUESTED. I AM SO WORN OUT NOW I AM ABOUT TO PASS OUT, "MIND YOU THIS IS A INTEREST ONLY LOAN THAT THEY SET UP FOR ME WHICH WAS A TOTAL RIP OFF.

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