I have also had problems with xtra Financial
Please report them to the BBB and Atorney General Office, Consumer Affairs in N.J.
Here is a copy of my complaint:
I submitted a initial complaint and they replied, still no resolution! I will fight this to the end, they apear to have no morales and are a fraudelent company.
Thank-you helping me in obtaining resolution with Xtra Financial
Complaint ID#: 80093761
Xtra Financial response: “While we are sympathetic to the loss that Ms. Kincaid has suffered we must report that her file is not in fact with our firm. Scott McIlvaine opened another company with a name similar to ours and worked with Quantum Loss Mitigation which either he or a family member is the principle owner. Ms. Kincaid's funds and file are with them and we therefore have no additional information to provide regarding her status or a possible refund. Please feel free to contact us with any further questions.
In response to their reply: I signed my contract with Xtra Financial, same address and phone number that you have addressed and have contacted in this dispute. My first Installment in check form was a written to and was cashed by Xtra Financial. I contacted Xtra Financial because nothing was done on my loan modification, again no return calls. Upon my research, I find that the second installment was taken by a Scott McIlvaine. I have sent many e-mails and phone calls, finally reaching Hugh Obrien a counselor with Xtra Financial, he tells me that my loan modification is being done by a Scott McIlvaine and has left Xtra Financial and has gone to Quantum Loss Mitigation. This was never discussed with me ahead of time. My goal was to have Xtra Financial negotiate my current loan for modification. My contract was signed with Xtra Financial, they cashed my check. If there was a conflict within their company or with Scott McIlvaine, who I am guessing was either a partner or employee and he left the company, that is not problem. Xtra Financial apparently knows where Scott McIlvaine went and knows how to get in contact with him, which I am not. There is no address on the web site Quantum Loss Mitigation and they do not pick up the phone or answer back when left messages or emails. I have saved all documentation and have currently obtained legal representation to obtain the loss of my funds and legal fees. I have also submitted all documentation and filed a complete with the Attorney General office in N.J.
I feel I signed a contract with Xtra Financial, They agreed to represent me. I should not have to chase around people I have never met or spoken with. Again I request a refund of my money within 10 days or I will continue to seek my funds with legal representation. This has reached to a matter of principle and ethics, and promise to continue to seek resolution as long as it takes.