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Fortified Financial


Loan modified higher

Complaint Rating:  100 % with 26 votes
100% 26
Contact information:
Fortified Financial
United States
Six months ago I contacted a loan modification company, Fortified Financial, to help me with a loan modification as I work full time and cannot spend my days on the phone. They charged my credit card $3000. Four months later they got an "offer" from my mortgage company that was actually higher (about $100) than my current mortgage payment! Despite repeated phone calls to Fortified Financial and many emails, no explanation was given other than, "This has to be a mistake." About a month later, another offer arrived that was exactly the same as the first. That was two months ago. My contract with Fortified Financial specifically states that I will receive my money back if they can't save me at least 10%. I have politely asked for a refund. No response. I've called many people and sent many emails to people in the company and have gotten no response. It would have been easier and quicker myself to deal with the mortgage company. And now it looks like I'll have to sue Fortified Financial, file a formal complaint with the state, call the local news channel complaint watchdog, and contact the Better Business Bureau...as well as modify my own loan. (Sigh) I wish there were more competent and honest people out there.
Complaint comments Comments (97) Complaint country United States Complaint category Business & Finances
More Fortified Financial Complaints & Reviews
Fortified Financial - DO NOT TRUST THEM [4]


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D  19th of Apr, 2010 by    0 Votes
I work for fortified financial and have personally seen the ups and downs of the company. They honestly know what they are doing and work hard for each customer. I apologize that this happened to you and if you are entitled to a refund then I would think that you should get it.
If anyone has questions about getting a Loan Modified then they can call me at 435 767 1183.
N  4th of May, 2010 by    0 Votes
Fortified Financial sucks!!! I worked there... It’s a friend and family company. And I can say they promise one thing and will do another... They promise integrity but yet they have none...
N  10th of May, 2010 by    +2 Votes
Fortified financial must be having problems. they just cut everones pay at out office. we are told not to talk about it or we will get fired. what a great place to work!!!
A  16th of Jun, 2010 by    0 Votes
I had the exact same problem with Fortified. I sued them in small claims court on Friday and won a judgment for the full amount but can't get them to return my calls or my money. I even believe the initial connection with them was a scam but don't know for sure. Someone called pretending to be interested in buying my home but said I would have to get a loan mod first in order for them to afford it. She worked in a lease to own branch of Fortified and her boyfriend worked in the loan mod branch of Fortified. Wow! What a coincidence! Money back guarantee, no risk...and no money, no returned calls, no answers. If someone from Fortified approaches you grab your wallet and run!
D  22nd of Jun, 2010 by    -2 Votes
Wow. what people wont go through to get there story told. I was with Fortified Financial and they saved my home and my financial life. My payment went from 3280.00 to 1268.00 they called me every week to let me know where I was at and my mentor Carley was so nice she walked me and my wife through the entire way. With any company they have good and bad. but all I can say is with the amount of people they have working there they must be helping a lot of people and to still have a A- rating with BBB and only a few complaints on here they must be doing something right. At least this is all Ive found by searching there name. Anyways I'm sorry for the outcome of your home however I know Ive been taken care of and so has the families I referred. It is really hard to find a company that cares and does what they say they will do. Truly a gem to hold onto.
N  22nd of Jun, 2010 by    +2 Votes
I was doing freelance work for Fortified (obtaining clients and advertisement).
My last just paycheck bounced and its gone several weeks being unresolved... [redacted] here I come!
N  28th of Jun, 2010 by    0 Votes
Run from these people, I also was once employed by Fortified, they are well intentioned and want to do the right thing, but at this time are not capable of doing so. Everyones checks are bouncing and [censor] is hitting the fan Good Luck All
N  29th of Jun, 2010 by    0 Votes
Good intentions are not part of their game plan. They are appealing my case because they have no money and their appeal has no merit. They are just dragging in out incurring more legal fees than what they owe me. There is no integrity or honesty happening here. I am betting that the positive comments written by "goodforfortified" were written by David Moffit or one of his crew. You can sue them, but they won't pay.. HOW DOES ANYONE GET ANY JUSTICE WITH ALL OF THE SCAM ARTISTS OUT THERE?.
A  6th of Jul, 2010 by    0 Votes
We also paid Fortified Financial to modify our loan in December - It is now July and still nothing has been done. They modified our loan higher and told me that this was a great deal and i should take it - Are you serious??? Then when I told them no way they agreed it was not the best option. They called me with the lender on the line to go over financials and I told them I'm not working right now because I'm temporarily disabled - Fortified asked the lender if we should just wait until I went back to work and then resubmit - I spoke up and said that they needed to recalculate and that it looks like I'm now eligible for the government program - well the lender did and sure enough we were! I was so upset that we got the "terms" not Fortified - isn't that what we are paying them for? Anyways we have had problem after problem with them and they REFUSE to give our money back. We have filed a complaint with the better business bureau and are trying to get things worked out that way but we do have all the paperwork filled out to sue them in small claims. We had a meeting with them and David Moffit was suppose to be a key player - he never showed!! I feel sorry for those of us who trusted someone to help us and ended up where we are now -- What happened to all the honest people??? Good Luck all!
A  6th of Jul, 2010 by    0 Votes
I paid Fortified Financial in January to modify my mortgage. It is now July and my modification progress has not changed at all.
When I told Fortified that I had worked out a refinance with my bank, they called my bank to get the details and claimed that they had power of attorney and tried to file the papers to refinance. Thankfully my bank called me and said that they would not work with them because they do not have power of attorney. I called Fortified to remind them that I hired them to MODIFY my mortgage not REFINANCE and that they would not be taking credit for my merits! They acted all surprised that I knew what they were trying to do.
I started fighting for a refund and of course, no one will return any of my phone calls. After weeks of this my wife got fed up, went to their corporate office and said that she would not leave until she spoke to either Lei or Jill. They threatened to file a restraining order against her!
We eventually got a refund check but, they told us not to cash it because they had no money. When they did tell us that we could cash the check it bounced!!! Zions bank told me that they will not accept any more checks from Fortified Financial.
I've been calling for weeks now to try to get another check. Surprise, surprise, no one will talk to me or return my call.
I filed a complaint with the BBB 3 weeks ago. I haven't seen it show up on their site yet.
A  6th of Jul, 2010 by    0 Votes
Wow!! sounds like we should all file suit together!!! No wonder they won't honor their money back guarantee - they even admitted that we got the terms and then went and talked to David Moffit and came back and changed their story - what a scam - As far as them having an A- score on the Better Business Bureau - they have a lot of complaints for only being a member since December!!! I wish they would just be honest- Karma sucks and it looks like they are getting hit hard!
D  7th of Jul, 2010 by    0 Votes
I attended a fencesitter meeting because I have been shopping around for a company that can do my loan modification. It is the only option I am willing to consider right now. I've weighed 3 of the companies and checked out the complaints, BBB and what other comments have been made regarding all 3 companies. I'm inclined to go with Fortified Financial because they actually have people who are willing to meet with you or even Skype if you are not able to come in. They are a little steep when it comes to cost but I tried to do this on my own already and it cost me my marriage and sanity and I kept getting the run around from my bank. I would just rather it take forever and have Fortified keep everything together, turn in my docs for me and just let me know when they need me to sign something or to make a decision. I have 5 properties that need a modification and Fortified seems like the only company that is willing to take it on because some of my properties have complications. They have issues with phones but I walked in and realized their staff is very professional and they are trying very hard to keep homes in review. There is a lot of negative press about Fortified but not enough about what I saw on the board of terms regarding families who got great terms. I know that every company is going through financial hard times and I was told straight up by the agent that Fortified was not exempt but that the families took precedence over profit. The only reason I decided to go with Fortified is because they were the only company that could show me their results and were straight up about how much it cost, how long it might take and what to expect. How come the other companies can't do that?
N  7th of Jul, 2010 by    0 Votes
Oh, VaughnnHope, in the immortal words of Styx - "You're fooling yourself if you don't believe it." Ask them specifically about why they don't actually give refunds, even when it is court ordered. I really wish you the best of luck. If there is a nice easy loan mod to be had maybe they can do something. All I know - for a fact - is that I was lied to multiple times and that their guarantee is not worth the paper I wipe with.
A  8th of Jul, 2010 by    +1 Votes
It's very true - their word doesn't mean anything. They had told us many different things and didn't hold up to their end of the bargain but still refuse to give us our money back even though it is truly deserved. I would not give them another dime! I hope that you realize what you are getting your self into.
N  14th of Jul, 2010 by    +1 Votes
David Moffit Suck, he is a fake person, he does not care about the clients, he asked like he does, but he is full of BS
N  14th of Jul, 2010 by    0 Votes
David Moffit Suck, he is a fake person, he does not care about the clients, he act like he does, but he is full of BS
A  19th of Jul, 2010 by    0 Votes
Is there any way we can sue them together - rather than individually? The Better Business Bureau just keeps giving Fortified Financial extensions when they fail to respond by the given date. It was stated that if I didn't respond by my given date that it meant I agreed with Fortified's rebuttal and the case was considered closed. Apparently it doesn't work that way when the business does not respond. I was thinking that instead of the bbb - we should all complain to the FTC - if the FTC receives enough complaints the government will step in. I am filing small suit against them and if anyone knows if we can just sue them together as a team - please let me know. It is apparent that they don't care about their clients and that they do NOT honor their money back guarantee. I hope that people research this company before signing up with them - and hopefully save them some money, time and heartache. Good luck everyone!
N  19th of Jul, 2010 by    0 Votes
Anyone that wants to can show up 11:30 am at the Orem court on Friday the 13th of August. That's when I'll be having my trial de novo since they appealed their loss. Bring a reporter or 2, lunch, popcorn, maybe some billboards showing your love and respect for how well they have treated everyone.
I think if everyone got together we could do a class action lawsuit complete with punitive damages and attorneys fees included.
A  19th of Jul, 2010 by    0 Votes
Oh man! I wish that I could be there. We are going out of town that day. I hope everything goes well for you. I think that would should hire a lawyer - does anyone know a good one? One that is not shady? I think we are all tired of working with shady people. We are losing our house - thanks to Fortified! Have they honored their refund policy for anyone? I think we need to get together and stop them from doing this to anyone else. Has anyone thought about Get Gephardt? Class Action Lawsuit? Let me know if anyone has any ideas on where to go from here. ElmoSunset - Have you contacted the media about your case? Let me know if there is anything we can do to help - I'm filing small claims sometime this week- just got Fortified's response from the BBB. They are incredibly ridiculous.
A  19th of Jul, 2010 by    0 Votes
I talked to Gephardt. Pretty much a sissy. They want something that is totally a slam dunk with an easy payback where they can look like a hero. He told me that the fact that they are appealing it meant that they thought they had a good case and that was enough doubt for him.

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