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The good, the bad, and the ugly - discover what customers are saying about Infinity Group Services

Welcome to our customer reviews and complaints page for Infinity Group Services. We understand that making informed decisions about where to invest your time and money can be challenging, which is why we've created this platform for our community to share their honest feedback about their experiences with Infinity Group Services.

On this page, you'll find a comprehensive collection of reviews and complaints from real customers who have used Infinity Group Services's products or services. Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service.

Whether you're considering doing business with Infinity Group Services, or you've already had an experience with them, our community's reviews and complaints will give you a valuable perspective on what to expect. Our goal is to help you make informed decisions about where to invest your time and money, and we hope that our platform will be a valuable resource for you.

Please feel free to browse our reviews and complaints and share your own experience with Infinity Group Services. Your feedback is an important part of our community and will help others make informed decisions.

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5:54 pm EDT

Infinity Group Services Our house is in foreclosure 4 months after dealing with these liars

This company's REAL name is Infinity Group Services, based in Irvine, CA. When you call desperate to save your home, they will tell you they can get you a new H4H loan, no problem. Very smooth, very calm pitch. They then tell you it's $995.00 to start the process and you will get a new loan. This is an out and out LIE. First of all, they only make a half hearted attempt at a loan modification, NOT a new loan. The you will never hear from them after that. Their phones go straight to voice mail and they never return calls or do anything to save your home. The initial contact people use false names. They also are NOT registered with the California Department of Real Estate Services to legally accept advance payments. Their website initially showed the HUD 'seal', but now that's removed and a FHA seal is displayed, however a call to FHA proved that to be utterly false. Do not waste your time or money on this bunch of thieves. Our house is in foreclosure 4 months after dealing with these liars. They do absolutely nothing except take money they are not legally allowed to do. I urge anyone with complaints against this firm to contact the Office of Jerry Brown, California Attorney General.

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3:22 pm EST
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Infinity Group Services mortgage loan modifation

the same deal as everyone else,
talked chad law on the phone he said he could get me a loan modification i paid the 995.00 got some paper
work then that was it no phone call no refund just rip off that kfi radio should check out there coustomers
more. i am still looking into it.

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Where's my loan
Yorba Linda, US
Feb 18, 2010 6:15 pm EST

Same as above. Paid $995, plus $2, 000 up front for closing fees. We filled out all paper work, even had a meeting with them at their offices. Since then we were told we did not fit the molds of the programs because we were current on our loans, and they were still working on our profile. We were told that the closing fees would be refunded if they could not close are loan. It's been a year, no loan, no refund.

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12:14 am EDT
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Infinity Group Services Not Getting Refund as Promised

After signing loan documents for a home loan with a rate of 4.375% with Infinity Group Services (IGS), we were told by IGS that it was not able to provide the loan at such a low rate and we were offered with a higher rate. We decided to cancel the loan and IGS agreed to refund the $995 fee. However, the date of the refund has long passed and we still have not received the money. We have tried to contact IGS and noted its phone number and website are no longer valid. We want to know what other options we have to get our money back.

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2:33 pm EDT
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Infinity Group Services Fraudulent Re-fi

So here's what happened in a nutshell. I paid $999 to get my home loan refinanced. I paid for a appraisal that they claimed I would be reimbursed for. I actually signed loan docs, then one month later they called and told me they lost their funding for the loan and wanted to offer me a new loan but a a much higher interest rate because rates had risen in the meantime. I said no and said I would wait to see if rates would come back down. They did and right before I was ready to lock in a new loan they fired my loan councilor along with most of the department and they won't answer my calls and now my appraisal has expired.

Can you say legal action?

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2:57 pm EDT
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Infinity Group Services Fraud

This company will use the excuse that rates had risen to explain why they were not able to fund loans. DO NOT BELIVE IT! I locked a low rate with them and paid them $995.00 It has been MONTHS, and I have not received a loan, a phone call, an apology, or my $995.00 If you see any names from IGS... including KIRK SMITH, KAHRAM ZAMANI, JAY LEE, JAMIE RUIZ, CHRIS SAMAYOA, MATT ZURBACH, and CHRIS SANTAMARIA ... you will be wasting your time. Do not give them your money.

If IGS-Infinity Group Services has screwed you over in any way... file all complaints with the Internet Crime Complain Center. This will allow your local police agency to look into the allegations and possibly file criminal charges. Also file a complaint with the Department of Real Estate and the State's Attorney General.

Read full review of Infinity Group Services and 15 comments
Update by Anonymous2000
Jul 01, 2009 3:03 pm EDT

KIRK SMITH IS PART OF THE PROBLEM AT IGS! Along with Kahram Zamani, Jay Lee, and Jamie Ruiz. Good Luck getting a phone call back from them.

Update by Anonymous2000
Sep 02, 2009 5:10 am EDT

MATT ZURBACK >>>>>>>>>>>>>> KIRK SMITH>>>>>>>>>>>>> JAY LEE>>>>>>>>>>>>>>>> KAHRAM ZAMANI>>>>>>>>>>

ALL LIARS!

Update by Anonymous2000
Aug 19, 2009 5:01 pm EDT

I believe IGS is no longer operating or they have changed there phone number! Now to figure out what his new scam company is going to be called... where to now kirk? Ditech?

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ALLLT
, US
Aug 17, 2009 10:09 pm EDT

After paying $995 up front to avoid forclosure nothing happened for 4 months. I was told to NOT make my mortgage payment, as a result the bank set a sale date for my house. I was told all alone to "Not worry about it". If I wouldn't have taken matters into my own hands and went directly to the bank, my house would have been auctioned off. IGS did nothing but take my money!

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you know this boogy is for real
, US
Dec 01, 2009 1:07 am EST

I just want to know one thing! How did Jaime Ruiz get thrown into the mix that guy was a janator at IGS

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I FEEL USED
Los Angeles, US
Oct 25, 2009 5:11 pm EDT

I started with Mark Baltes back in Dec 09, then to Brian Mackey and Christina (Brian's Assistant) finally Kelly Jennings. They started with the Hope to Homeowner program, which I believe NO ONE QUALIFIES. That is their way of switching to their Loan Modification crap. It just so happens the cost of $995 to start and $2995 to close is the same cost for both. What they could not do in 6 months, I did in 2 months ON MY OWN.

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mwd
, US
Sep 23, 2009 7:14 pm EDT

The Law firm of Nicholas and Butler has filed a class action suit against IGS, If they have scammed you jump on board! They scammed me out of $995 Mark Baltes was the name I dealt with, I am sure it is not real. Stay away !

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missylynn
Moorpark, US
Sep 01, 2009 2:50 pm EDT

They are a Complete fraud. Just like everyone else they told us we would be locked in at 4.85% with zero points. Only pay $995 and get your house appraised and it is all done. Of course they told me that the rate changed and I can no longer get that rate. They have now been leading us on saying just wait until it goes down and we will lock it in. Tried to call Jay Lee and no phone calls back. Tried the operator and it just rings. They are ### of people. Who could walk around doing this to people. I too, missed the all time low rate of 4.85%

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Smurfed
, US
Aug 02, 2009 2:40 pm EDT

Another educated american... darthvadorpoop?

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Smurfed
, US
Aug 01, 2009 1:11 pm EDT

I agree, Kirk told me the same thing that I was locked in at a specific rate but Kahram told me that IGS does not lock rates and wanted to know which employee had told me that I was locked. I was deceived like many others.

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DarthVadorPoop
, US
Jul 29, 2009 4:14 pm EDT

let me share a quick abservation... the person who started the post has to be a ### for a couple reasons

1 they listed internet crime complain center? Obviously only a ### would take that route already knowing who did it.
2 only males are listed on the roll call?... maybe not kahram zamani for sure is a ### and chris santa"maria" is a ### name.
3 only a ### would take you to court (attorney general) and get you for everything cause you ###ed her over.

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IGS victim
Los Alamitos, US
Jul 26, 2009 11:53 pm EDT

Kirk,
you knew what you were doing. you have lied to us and cheated us in my opinion. There is a lot of anger out there and it's not surprising that you are taking some well deserved heat. Giving us back our $995. does not put an end to this. because of your deceitful and perhaps illegal business practices, we missed out on historic low rates that will cost us tens of thousands of dollars each over the life of this loan. I can think of many things to call you, but I know you and people like you will reap what they sow. The Lord will deal with you if the criminal and civil justice system doesn't. I you were so interested in making an honest living and providing for your family, you wouldn't be working for the likes of Zamani. Hopefully he too will get what coming to him from the authorities.

if you think we are just going to forget about this, you're sadly mistaken. There are a lot of us that IGS screwed over and from what I've read, none of us are going to be satisfied until you guys are held accountable for what you've done.

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IGS victim
Los Alamitos, US
Jul 26, 2009 8:30 pm EDT

Sorry Kirk,
Manny55 is right. If you are did not outright lie to me, you were certainly deceitful. You knew when we spoke 2 weeks after our loan docs were signed that IGS had no intention of funding our loan. You never locked our rate or put us into escrow did you? First and foremost, you are a liar and a cheat in my opinion.

At best, I hope you are put into another line of work. At worst, you may have some criminal charges to defend which I believe you guys are justly deserving of. If this puts a strain on y0u and your family, I would suggest you ask the Lord for forgiveness and help. What goes around comes around, Kirk, and justice will be delt to you and your ilk when the time comes.

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1:13 pm EDT
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Infinity Group Services not honoring the loan rate promised and I signed for

We signed our loan documents to refinance our property on May 15, 2009 at 4.625 interest rate.
It was promised that due to their load of refinancing, they will be able to fund in 2 - 3 weeks time.
It is reasonable, I supposed and believed they will. It is now June 29 and the loan is still not funded.

I was in contact with them since end of May to follow up my loan. I talked to Jeremy Reynolds and
Matt Zurbach and was told that they cannot fund the loan for the interest rate I signed for.
They will not honor the rate they promised.

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mkuo
Cypress, US
Aug 14, 2009 5:24 pm EDT

It is a scam! Do not do it! I went thru a Hope to Homeowners company thru a radio station website that charged $995 up front. Then I would pay the remaining balance of their $3500 fee once the refinance/modification went thru. Their offer was very appealing: You new mortgage loan would be 90% of the CURRENT market value and the excess of your mortgage would be forgiven. The 10% below current market value would then be a shared equity with FHA.

If you sold your home during year 1, FHA would get 100% of that 10% equity amount.
If you sold your home during year 2, FHA would get 90% of that 10% equity amount.
If you sold your home during year 3, FHA would get 80% of that 10% equity amount.
If you sold your home during year 4, FHA would get 70% of that 10% equity amount.
If you sold your home during year 5, FHA would get 60% of that 10% equity amount.
After year 5, FHA would get 50% of that 10% equity amount.

Not a bad deal.

So I signed up. I filled out all the paperwork showing my hardship and they had you complete a hardship letter explaining why you needed assistance from this program to avoid foreclosure. I did all the work and all the calculations on their worksheet. Sent it in. My "case worker" went on vacation so they had another rep charge my credit card before my file had even been reviewed. The very next day after they charged my credit card, my "case worker" was back from vacation and I received a call from her stating that I did not qualify for the program because my debt was too high! Could not believe it! They did nothing on my case and charged $995 for nothing, then told me sorry, but you do not qualify for the hardship package because you are in too much of a hardship?!?!?!

Then they had the nerve to say, well we can try to negotiate with your bank to see if we can come to an agreement for a loan modification with them for the remainder of the $3500 fee, but again there is no guarantee. I asked them to stop everything and lose my file! They did not do anything at all on my case except charge my card before doing anything, then called me to tell me I did not qualify!

A few days later I found out this "Hope to Homeowners" program never really took off and in fact had not been in force for several months. So there was no chance of me being approved regardless of my financial situation when they took my application since the program did not exist at that time.

I have since been negotiating directly with my mortgage bank and have been able to come to a modification agreement with them directly. I am currently trying to resolve my second. It has been a long and stressful process, but the best way is to deal with your bank directly. They do not charge you a fee and you get the same results as if you went thru a broker from what I hear. If anyone asks you for money to modify your loan, I would definately take a large step back.

I will call Nicholas and Butler per the above recommendation. They need to be stopped!

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DaveR
, US
Jul 15, 2009 7:16 pm EDT

Nyl-

I would strongly suggest you contact Nicholas and Butler in San Diego--[protected]. I have spoken with Mei-Ying there, and they are working a class action lawsuit which will hopefully include 1)the $995 if you haven't gotten it back 2)your appraisal fee (it's no good for a different lender) 3)any costs over the $995/$2995/$3995 you were to pay IGS for loan origination elsewhere 4)the life cost difference between the 30 year/15 year total cost for your new loan (I presume you'll still get one - rates are moving back down) and the one you were to get from IGS. They are also looking at false advertising, failure to perform in good faith, punitive damages, etc.

In the mean time, ask your credit card company to reverse the $995 charge based upon the fact IGS failed to deliver the 'goods' promised. Good Luck!

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2:44 pm EDT
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Infinity Group Services Complaints

I guess this site is pretty one-sided... Where do I go to dispute the complaints on here regarding Infinity Group Services, and more specifically, Kirk Smith? These complaints are ridiculous. Look around you. Call other lenders. Verify that rates have jumped EVERYWHERE and therefore rate locks expired and could not be extended without the entire industry and Infinity Group Services collapsing (and then, NO ONE would get a loan). Infinity Group Services has funded thousands of loans to satisfied customers, and continue to do so. Your timing was nothing but UNLUCKY. Get a life and just take your business elsewhere if you think they are not for you. Or just wait for rates to drop again and take advantage of Infinity Group Services lowest rates at their lowest costs. It's called Freedom of Choice.

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code man
, US
Oct 05, 2009 8:41 pm EDT

These people are rip off artists. I put up 995 to get the documentation that said I was to send in my 995 with the documentation. I knew then that this was a rip off. They told me my 995 was in escrow until the process went through. I declined to fill out the documents and all they ever said was we will refund you money. This never happened over 180 days. I am going to small claims court. I will also file with every agency I can. I should have been able to get the documents to fill out first, then make a decision if I wanted to. Based on what they told me they could do verses what a lawyer told me after seeing the documents was the difference between night and day. Actually I don't agree with this guy. They are far sleazier than he claims.

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Smurfed
, US
Aug 02, 2009 2:44 pm EDT

This website is not one sided... IGS has scammed too many people-- that's the problem. I have already started the process with the DRE... They recently sent me a letter notifying which agent/employee was assigned to investigate my claim and asking me for whatever other information I have regarding my experience with IGS. At least KFI-AM 640 has removed them from their advertising.

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IGS victim
Los Alamitos, US
Jul 26, 2009 11:18 am EDT

I agree 100%. Kirk Smith is a liar. I'm going to find out if he is licensed by the DRE as well and file a formal complaint about him. If he has a license, he should have it taken away so he can't continue to rip people off.

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Anonymous2000
Costa Mesa, US
Jul 01, 2009 2:45 pm EDT

KIRK SMITH is part of the problem at IGS! He is one of their "LIARS" How can one employee tell you that you are locked into a rate, charge your credit card and then have the CEO Kahram Zamani tell you that you were never locked into a rate because we don't lock rates at IGS. You guys are worse than car salesman...all I know is when your lips are moving... lies lies lies. Misleading!

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IGS
, US
Jun 25, 2009 10:16 pm EDT

Infinity has not funded thousands of loans! They havent even funded 500 loans. This Company is not able to fund loans because they have a 12 million dollar line of credit. IGS is a company that got started ripping people off by marketing Hope For Homeowners on KFI radio. They took over [protected] people's 995.00 upfront payment. They never closed one H4H loan nor could they because they were never set up to fund H4H loans. IGS used a bait and switch and told people who signed up for H4H that they would not qualify for H4H and that they would only qualify for a loan modification. After they had over [protected] borrowers money they stoped advertising for the H4H and started to advertise 4.375 30year fixed with a 995.00 upfront closing cost. They would take on as many refi's as possable and never lock the rate wich the borrower was promised. Instead they floated the rate in hopes that the market would work in there favor and the rates would get lower so they could make more money on the Refi. Once the market took a turn for the worse they had lost the game of making extra money on each and every deal. They told there loan agents to resell each person who had signed there loan documents at low rates and not refund there 995.00 because it was not there fault rates went up. It was there fault because the never had the money to fund these loans and they never even locked the rate. This was once again a bait and switch tactic used by IGS to benifit them as a company. The loan agents at IGS are not to blame it's the owner Kahram Zamani so contact him at [protected]

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1:11 am EDT
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Infinity Group Services They are crooks!

Although I had a good faith estimate for a rate of 4.75/30year/no points. IGS ignored me for two weeks after I signed the loan docs. until today when they informed me they are unable to do the original loan, BUT they can fund me at 5.35/30year/no points. That's higher than what I have now on my house. I am in the process of disputing the charge on my credit card for the 995. email [protected]@yahoo.com and let's start a law suit! I can be reached at [protected]@yahoo.com

Thanks!

Read full review of Infinity Group Services and 3 comments
Update by cheated customer
Jun 30, 2009 7:34 pm EDT

Good news! After sending a certified demand letter, IGS finally funded the loan at the agreed upon terms about a month later. The owner was very apologetic and in fact even called me in person to let me know the loan had funded. If you like lots of stress and shady business tactics...use this company in the future.

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ndominick
Ladera Ranch, US
Jun 18, 2009 11:20 pm EDT

Same story here...signed loan docs on May 30th (4.75%, 30 yr fixed, 0.25pts)...was informed yesterday with the same story as everyone else. Will not refund my $995 and the estimate of ~ $300! I am game for anything to get back at these ### but my gut feeling is they'll be filing bankruptcy or just closing shop and then just change their name to something else? HOW DO WE FIND OUT WHO THE ### OWNERS ARE!? My contact info is: ndominick@gmail.com

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IGS victim
Los Alamitos, US
Jun 18, 2009 8:41 pm EDT

I had a similar experience. I signed loan docs on 5-15-09 only to recieve a call today on 6-18-09 informing me that they will not fund my loan based on the original terms. they say my choices are to reset the rate to today's market, or just wait a few months to see if rates drop again. the $995 was supposed to be refunded if the loan didn't close at no fault of my own. Now I'm being told that they may refund part or not at all.
these guys are crooks.

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bzeinstra
, US
Jun 11, 2009 6:16 pm EDT

I've also been cheated on two loans. Actually signed docs in May and found out today that both loans were never funded. Am furious.

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4:57 pm EDT
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Infinity Group Services 4.375% rate not available

We agreed upon a 30 year fixed loan at 4.375%.
Signed the final loan documents 6/2/09 with right to cancel by 6/5/09.
Received call from IGS processor 6/9/09 to say that our loan could not be funded at 4.375% and that the new rate would be 4.875%.
I said we weren't interested and we'd like our $995 back. She said we wouldn't get our money back because they weren't actually canceling the loan, only changing the terms.
I asked that she have her manager contact me.
Since then I'v been been in touch with the National Association of Consumer Advocates, KFI talk radio, master card, the notary, and the appraisal company involved with the loan.
Please leave a message if you've had a similar experience.

Read full review of Infinity Group Services and 52 comments
Update by Cathy
Jun 19, 2009 8:32 am EDT

Bill,
Pam isn't available.
Contact me at cfoxjfox@hotmail.com and I'll get back to you today concerning you daughter's situation.
Cathy

Update by Cathy
Jun 17, 2009 10:52 am EDT

Email me at cfoxjfox@hotmail.com or leave your email.
Cathy

Update by Cathy
Jun 17, 2009 8:36 am EDT

Karl,
email me at cfoxjfox@hotmail.com. There are about 17 of us in similar positions to date.
Cathy

Update by Cathy
Jun 11, 2009 2:52 pm EDT

Sharon can you post your email?
Mine is cfoxjfox@hotmail.com.
Cathy

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FedUp99
Irvine, US
Sep 10, 2009 8:09 pm EDT

I have had the same bate and switch experience. Started at 4.8% then was told 5.5% and went through the process including approval in August, and now no loan and no response. I will report to the agencies suggested in this email.
my email address is risesmail@gmail.com

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kathleenaas
Glendora, US
Aug 20, 2009 2:51 pm EDT

Back in May "09 I started with the Infinity Group, paid my fee and appraisal fee. Only to find out the appraisal was too low and the loan would involve points and insurance. We decided to cancell and not proceed with the loan. I continually call about my refund, leaving messages daily. I have not heard back from them and dicided to try the computer, only to find out there are alot of us out there. I'm not real good at this type of thing but I guess I should contact the Better Business Buereau and possibly KFI640 radio, which is where I heard the ad. Thanks for listening.

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mkuo
Cypress, US
Aug 15, 2009 5:50 am EDT

Unbelievable how people can get away with this. I have all my email correspondances saved which clearly show their scam techniques. They already know you will not qualify for the modification because there was no H2H modification loan available. But they wait for your payment of $995 to go thru before they break the news to you. I received my invoice from Kahram Zamani I believe because the "case worker" I had was on vacation. His email address is bgoshert@gmail.com.

When my "case worker" came back from vacation, she sent me an email stating she will forward my credit card information to their accounting department. I can only assume she wanted to make sure the payment went thru before she told me anything because the very next day, she sent me an email stating that I was not approved because my dept was too high. Here is a copy of the exact email I received from her:

> I have received file back from our underwriter and
> unfortunately you are not eligible for the H4H program
> sponsored by FHA because your DTI (debt-to-income ratio)
> exceeds the one required by FHA.
> I can move on and request your lender(s) to consider
> granting a loan modification, but I would like to know if
> that is what you would like or have your lender(s) contacted
> you regarding this possibility?
>
> If you have been contacted about a loan mod, please forward
> any correspondence on this matter.
>
> Thank you,
>
> Laura Schwarzkopf
> Sr. Loan Processor
> IGS
> 163 Technology Drive W., Suite #100
> Irvine, Ca 92618
> [protected]
> Fax [protected]
> Laura.Schwarzkopf@askigs.com

Crooks!

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FED
, US
Aug 14, 2009 9:52 pm EDT

Mkuo
I am sorry to hear that you where another victom of Kahram Zamani owner of the worlds worst company in the USA. Can you believe after 1500+ people like yourself he has managed to spend 1.5 plus million dollars of other peoples money and have nothing to show for it. WOW!

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mkuo
Cypress, US
Aug 14, 2009 8:50 pm EDT

I went thru a Hope to Homeowners company thru a radio station website that charged $995 up front. Hope to Homeowners transferred me to IGS. Their offer was that I would pay the $995 up front then I would pay the remaining balance of their $3500 fee once the refinance/modification went thru. Their offer was very appealing: You new mortgage loan would be 90% of the CURRENT market value and the excess of your mortgage would be forgiven. The 10% below current market value would then be a shared equity with FHA.

If you sold your home during year 1, FHA would get 100% of that 10% equity amount.
If you sold your home during year 2, FHA would get 90% of that 10% equity amount.
If you sold your home during year 3, FHA would get 80% of that 10% equity amount.
If you sold your home during year 4, FHA would get 70% of that 10% equity amount.
If you sold your home during year 5, FHA would get 60% of that 10% equity amount.
After year 5, FHA would get 50% of that 10% equity amount.

Not a bad deal.

So I signed up. I filled out all the paperwork showing my hardship and they had you complete a hardship letter explaining why you needed assistance from this program to avoid foreclosure. I did all the work and all the calculations on their worksheet. Sent it in. My "case worker" went on vacation so they had another rep charge my credit card before my file had even been reviewed. The very next day after they charged my credit card, my "case worker" was back from vacation and I received a call from her stating that I did not qualify for the program because my debt was too high! Could not believe it! They did nothing on my case and charged $995 for nothing, then told me sorry, but you do not qualify for the hardship package because you are in too much of a hardship?!?!?!

Then they had the nerve to say, well we can try to negotiate with your bank to see if we can come to an agreement for a loan modification with them for the remainder of the $3500 fee, but again there is no guarantee. I asked them to stop everything and lose my file! They did not do anything at all on my case except charge my card before doing anything, then called me to tell me I did not qualify!

A few days later I found out this "Hope to Homeowners" program never really took off and in fact had not been in force for several months. So there was no chance of me being approved regardless of my financial situation when they took my application since the program did not exist at that time.

I have since been negotiating directly with my mortgage bank and have been able to come to a modification agreement with them directly. I am currently trying to resolve my second.

I will call Nicholas and Butler per the above recommendation. They need to be stopped!

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DaveR
, US
Jul 15, 2009 7:12 pm EDT

BTW, they are also looking toward false advertising, failure to perform in good faith, punitive damages (could be some real money?) etc.

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DaveR
, US
Jul 15, 2009 7:10 pm EDT

For all those who haven't received any refund or offer of a refund-
Even though Matt Zurbach did finally state he would refund my $995, it didn't happen and I ended up dealing with it through my credit card company. I expect each company has a bit different rules, and I had thought that mine had only a 120 day window to dispute a charge. I was able to meet the the 120 day window, and found out it was for a VERBAL request to cancel the charge. They said they would STILL contest a charge for me AFTER 120 days, but I would have to submit it writing.
I would also strongly suggest everyone, even if you've received a refund, contact Nicholas and Butler in San Diego--[protected]. I have spoken with Mei-Ying there, and they are working a class action lawsuit which will hopefully include 1)the $995 if you haven't gotten it back 2)your appraisal fee (it's no good for a different lender) 3)any costs over the $995/$2995/$3995 you were to pay IGS for loan origination elsewhere 4)the life cost difference between the 30 year/15 year total cost for your new loan (I presume you'll still get one - rates are moving back down) and the one you were to get from IGS.
Good luck to all.

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JimH
Chatsworth, US
Jul 15, 2009 5:17 pm EDT

Back in February I contacted them because of a radio ad on KFI for the Hope for Homeowners program. They told me they could get started right away and all they needed was a credit card number for the $995 fee. I then received a pile of documents via pdf to fill out and I spent a week doing all the paperwork. I promptly sent off the paperwork and waited. I waited and waited. I knew that anything involving the government would be slow but after 3 months I contacted IGS and they told me they had no record of receiving any kind of paperwork from me and that the person originally handling my case was no longer with the company. Seeing as how I had already paid them the $995 I was coerced into resubmitting new documents which I promptly did. Almost two months have passed and have not even received a call from them. I contacted my mortgage holders and neither of them has had any kind of correspondence with them regarding my loan. Their web page, by the way, is gone. It says "down for maintenance." I called them today and all I could get were answering machines. Supposedly, someone named Matt Vurvach is supposed to contact me but he has not. At this point I just want my $995 back because from all accounts they have done NOTHING for me. They can't even find my paperwork. It has been a total of 5 months. JimH269567@aol.com

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rella
sb, US
Jul 15, 2009 1:46 pm EDT

Did my due dilligence!When we started this process in February they had an A rating under all of their names. I researched them under hud, BBB, and the hope 4 homeowners program as well. They cancelled us today (Kelly to be exact) because my husband "yelled" at her assistant on Monday and then "yelled" at her today. Both accusations are not true. He was just trying to find out why they still needed more paperwork when two weeks ago everything was fine and "in review." Every two weeks we were told that our loan was in process/in review or they needed someother missing paper work. They didn't even send our file to our lender until June 13 and the process was started Feb. 28. They waited the 90 days so that my I couldn't dispute the $995 through my credit card company. I was standing next to my husband the whole time he did raise his voice but never did he yell. They cancelled US and she told me "you will never get your money back!"

Before you shame people scramick quit making assumptions, you have no idea when people started the process!

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scramick
, US
Jul 08, 2009 7:01 pm EDT

DUE DILLIGENCE KIDS. There should be no complaints here if you guys did your due diligence.
The Better Business Bureau link will tell you stay away. You all seem to find a website to complain but never once looked at the BBB website. They have had an F rating for some time now. Shame on you all.
http://www.la.bbb.org/BusinessReport.aspx?CompanyID=100064220

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6:52 am EDT
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Infinity Group Services Unauthorized charges

When researching the company, Hope to Homeowners had a (A) rating with the BBB. I contacted HUD and was advised HUD used Hope to Homeowners to do loan modification. After checking out this company I agreed to send them all my personal information and a check for $995.00. With a promise that if the loan could not get modified the money would be refunded back to me.

A month later I was told Hope to Homeowners could not process my loan. They said that they are also called Infinity group services and now under this new name they would try to get my loan modification done. I was very up set so I checked out the new company name Infinity group services which just so happens to be affiliated with Hope to Homeowner. Checking with the BBB they have a rating of (F) and have ripped of many homeowners trying to get a loan modification.

Nether one of these companies did anything for me. Both of these companies were deceptive, misleading and misrepresentative. After contacting the company numerous times regarding my loan I was passed from loan officer to loan officer. Each one had no answers for me. I spoke with a supervisor named Matt Zurbuck, which told me that this company was working hard on my loan that I would not get my money refunded.

I am a single 60 year old disabled woman who has survived Cancer twice who is a foster parent to 43 teen in the past 9 years and adopted two medically fragile children. I can not effort to just give $995.00 to a rip of company. I need very much to get a loan Modification so that my family has a stable home to reside in.

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Anonymous
Newport Beach, US
Apr 29, 2009 5:17 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

This company is a fraud... do not give them 995.00 up front. You will never see that money again. If you have, hopefully you put it on a credit card and hopefully the credit card company will go after them. The people at IGS are a joke! They lie, cheat, and scam. DONT TRUST THEM WITH YOUR MONEY OR TIME! CALL KFI AM 640 AND TELL THEM TO STOP ADVERTISING THEM!

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Norah Letona
Mission Viejo, US
Feb 02, 2010 12:29 pm EST

I was told my home apraisal fee would be refunded to me as soon as the loan funded. My loan funded and I can not reach the company to get my fees refunded. Please advise. I understand there is a pending class action lawsuit. Thanks

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kristak
costa , US
Oct 12, 2009 6:07 pm EDT

I guess the same as everyone else. They took my money and ran! Bill Handle could now give us all some real good advise instead of endorsing jerks like these. Thanks Bill and kfi!

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EMBOMS
Costa Mesa, US
Aug 25, 2009 8:45 pm EDT

IGS offered a 30 year fixed at 4.875% and when it came time to sign papers, they said the rates went up and could not honor the rate. I asked for my $995 back and now they dont return calls.

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Anonymous2000
Costa Mesa, US
Aug 19, 2009 5:02 pm EDT

I believe they have either changed there phone number or they are temporarily out of business ! lol finally

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banking represenitive concerned
, US
Oct 08, 2009 12:39 am EDT

There are several of these employees of this company staring to go to work for a New Bank that is opening in Southern California. There were many reasons for the failure and deception in this company. all of the previous management should be held accountable for they knew what was going on and kept lying to the public. The management lied to all and had there employees lye to the public. They are trying to start up again in the call center. same people different scam. Very dangerous to the public. Mortgage banking of old. Please file complaints with HUD and the S.E.C. on the previous management of this company. They all lied and deceived the public and should not be in business and the company wanting to get them in business should be held accountable also for they know what has happened.

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AdaR
Whittier, US
Sep 21, 2009 11:59 am EDT

I have the same problem. Paid them $995 back in February '09 for loan modification but the case doesn't go anywhere. They have no power for negotiation at all. They just live on $995 from each client. I stopped the contract a few months ago and asked for a refund but never get an answer. Last time I called them their numbers are no longer in service. I don't know if they closed the company or they just changed the numbers because they can't deal with complaint calls.

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Connie S
Lake Fo, US
Sep 16, 2009 10:03 pm EDT

I work for a very reputable mortgage company in Foothill Ranch. We also advertise on KFI, and we've heard from a lot of people who were scammed. Please don't put us all in the same boat. We deal with our clients with honesty and integrity. Borrowers need honest mortgage brokers, because we shop the different lenders and find the best deal for our clients. If we didn't you, the borrower, would be at the complete mercy of what the banks want to charge you.

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Connie S
Lake Fo, US
Sep 16, 2009 9:39 pm EDT

I work for a legitimate mortgage company in Foothill Ranch, so I know that the interest rate is locked before you get loan docs. So if there were docs to sign, there was a locked rate. There's no excuse for changing the rate after the docs are drawn.

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Hahun
, US
Sep 02, 2009 8:12 pm EDT

I got trapped twice. Since, I had my loan process started, I thought that I shall give them a chance to deliver at the current rate. It started with Kirk Smith; offer: 4 7/8% at 1.5points and the loan will be delivdered by the July end. It never happened. These guys have collected $995 from thousands of us and lived lavish life, running the scam. It seems that they are gone for good. There are no one picking the phone and no one returning the emails.
Hahun Huntington Beach

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