America's Service Company reviews and complaints
Loss of Mortgage Documentation
My mortgage was sold to ASC in 2008. During 2011, I fell a couple payments behind and agreed to a repayment plan that lasted four months. I now am in the process of getting approval for another mortgage to purchase another home. ASC listed the repayment plan as a "modification" for credit reporting Since this was not a modification of the terms of the loan, but a repayment plan that consisted of much higher payments for the 3-4 months, it should not have been listed that way. My new mortgage company wants documentation to prove that no forgiveness of debt was done, which it wasn't. I contact ASC who tells me they have no documentation and wouldn't have anything "back as far as 2011" which is ridiculous. As I am a government contractor that investigates federal fraud I know there are file retention requirements that must be met to avoid penalties from the government. Their Customer "service" has always been the worst I've ever dealt with. Every time you call they say they are "trying to collect a debt", even if the mortgage is current. I routinely have to speak to 4-5 people for an answer to a question, get hung up on, and re-routed to multiple numbers. Wells Fargo companies must be the worst in the industry to deal with from a customer standpoint. Totally unresponsive the needs of their customers. I tell every person I ever encounter to not deal with Wells Fargo.
Company Business Name: America's Serving Company
Country of complaint: United States
Address: Iowa
The complaint has been investigated and resolved to the customer’s satisfaction.
ASC - rotten ###
Be careful if you are trying to modify your loan with ASC. They will tell you to skip a payment so your account falls 30 days past. They will deny you and turn around and smack your credit. Mine took a 100 point hit in one day. They refuse to do anything about it because they say "no matter what we told you, your payment was still late". They believe the customer is a piece of ### and that's how they treat you. The little ### on the phone actually argued with me until I hung up on her. Stay away from these people at all costs. Also - stay away from Wells Fargo because it's the same company.
Company Business Name: America's Servicing Company
Country of complaint: United States
Address: Wisconsin
does any one know how to go about sewing asc{wellsfargo} nothing but trouble for me am facinc foreclose no one gives a dam this country is going down the tubes and the middle class supports everyone
I TO AM A VICTIM OF THE SCAM MR. PRESIDENT WHERE ARE YOU ?
i am in the same position with these ### (ASC)and i dont understand why someone from the goverment don't look into the action of these people. They are sucking me dry, they claim they modify my mortgage once and every time they say they do the price went up.
How is that help?. I think i will get an attorney to look into the action of these people and also try to get me away from them. Please note i voted for Obama to help us out of things like this, but he is not focus on helping anyone like us against people like ASC. They are not following any rules set forth by the government to help. If this is out there on the internet for everyone to see why someone from the government don't see this. Are they afraid of ASC?. We the people should sign a petition and go after these people together. if you look at WElls [censored]o AKA ASC you see the word "suckers". Everyone in such situation should voice it.
tenemos esta america's service company son un desastre por favor este mensaje es para las personas como yo hispanas que muchas veces sin informacion nos hacen fraude y perdemos todo por favor es necesario que protestemos para que esta compania y otras mas nos ayuden a modificar o nos cambien para otros morgages yo visite a naca una asociacion que le esta ayudando a los propietarios de viviendas a apelar y respetar los derechos de propietarios de casas
WE ALL THE HOMEOWNERS AND WORKERS OF THE LOSS MITIGATION INDUSTRY SHOULD TALK AND LET THIS ABUSIVE LENDERS TO FORCE THEM TO DO THE RIGHT THING LIKE MODIFY LOANS OR AT LEAST DO NOT LIE LIKE I CAN'T FIND YOUR PAPERWORK OR YOU DO NOT QUALIFY BECAUSE YOU MADE TOO MUCH AND 3 MINUTES LATER THEY TOLD YOU THAT YOU WERE MAKING TO LESS, AND SOME STUPID THINGS THAT DO NOT MAKE SENSE AND ON THE TOP THEIR BAD ATTITUDE TOWARDS PEOPLE TRYING TO GET A SOLUTION WE DIDN'T GET BAD BECAUSE WE DO NOT WANT TO PAY THIS ECONOMY SUCKS AND THE ELITE THE CREAM AU CREAM OF OUR COUNTRY CANNOT SEE WAS GOING ON!
My mortgage was sold to ASC!
I just received an notice that my mortgage was sold from Mortgage Lenders Network to ASC. I understand that selling mortgages is common and have never had a problem in the past. However, after receiving the mailing I went on line to find ASC's web site and it came back 'unreachable'. I also noticed that before their home page was listed on Google were many, many complaints about this new mortgage company. I called my former lender and left a message with Sandra Jarish, VP. I hope I receive a reply and I hope they can switch me to a different lender. It concerns me that MLN would even deal with a company with such a negative reputation.
Country of complaint: United States
I agree this company is bad. The thing I found out was that you need to be persistent with them and it's all about who you talk to, what I mean is that you will immediately realize if you are speaking with an intellectual, courteous person (this who you want to speak with) or a dum ###, trailer trash, off the streets thug (hang up immediately, you'll get no where with them.)
I have a mortgage thru ASC back in 08 my husband lost his job and we got behind on our mortgage. I tried numerous times to comtact them and they just kept telling me the could not help me, so i stopped making payments. I recieved my forclosure notice and went into court to try to get some help thru the judge. But instead i was told they he could do nothing for us and that our mortgage company was the only one that could, but that was to late. So we ended up borrowing the money to cover the 6, 000 that they told me they had to have before they would consider a refi. So we paid it and then they refied for us, but they added 20, 000 to my principal to cover all the late fees and interest that was not paid prior to the refi this happened at the end of 09. When i asked if i would recieve an interest statement to deduct for my taxes they said i would get one in 2010. Well 2010 is here and no interest statement. ASC is the sleeziest company i have ever delt with. My mortgage is upside down and i should of let it go to forclosure but my "pride" kept me from doing it. Now i have a mortgage that is way over what i could ever sell the place for and no tax break. WATCH OUT IF YOU USE THIS COMPANY. They kinda follow how the politician believe. Spend everyone elses money except their own. BUT ALL PLEASE REMEMBER WE BAILED WELLS FARGO OUT. NOW THEY ARE SCREWING US FOR IT. So watch who you vote for in the next few elections and maybe we can take back our country like the Middle East is trying to do.
asc is a joke i got behind on my mortage and they proceeded with foreclose. i owe them 13, 800 and before the court date i sent them 13, 000 they still took my house and money can't get no answer or my money back! this was in 2007 and now i'am living in a two bedroom apartment with my four kids and wife!wow!
I have been dealing with ASC for over 3 years now and they are the worst mortgage company that I have ever delt with. I have called them on several occasions to try and tell them that my payment would be late and it just ended up in a screaming match. Their customer service is terrible! When my mortgage payment changed I knew I could not afford to pay the rates that they were giving me so I tried to talk with them and still the same thing, a screaming match! I ended up having to file Bankruptcy in order to keep my home because ASC would not work with me at all. Even after filing bankruptcy I still have problems with them.I have talked with my lawyers on several occasions to try and work things out but still my lawyers have problems getting them to do anything. I am behind again and fear going to my mailbox everyday because I know that I will be getting papers soon stating that they want my house.I am trying eveything I know in order to keep my home because I know if I let it go my family and I will no have another place to go.ASC is the devil company and if you can get out from under them you will be better off. I only wish that I could get out from under them but since I had to file bankruptcy I will be stuck for the next 5 years. I know that HSBC mortgage company is the best mortgage company that I have ever worked with in the past. They were always kind and worked with me on every payment that I had problems with. They would even let me get several payments behind and I could call them and they still treated me with respect and worked with me. That is how a company should be! I really hope ASC goes under and loses everything. I know that is bad to say because a lot of people will lose jobs but they don't really need a job when they treat their customers the way they treat them.
I would like to say that after trying unsuccessfully to deal with these people, we finally lost our house in the fall of last year (09), and I am personally thankful! I was going through my third bout with cancer, and could no longer stand the stress of these [censor]s. For the record, we did NOT start with them- our mortgage was sold to them, and we NEVER had any problems with our original mortgage company.
We had an ARM but it was supposed to be tied to the prime. The prime kept falling, but they raised our payments the maximum amount every six months until it was usury- I could have owned waterfront property here in SW FL for the amount they expected us to pay each month! I could have easily rented TWO nice three bedroom residences inland for the $$ They wanted! What a nightmare!
ASC was uncooperative, lost our paperwork repeatedly, told us that if we would send them $5k that they would work out a forbearance agreement but then lost the paperwork once they cashed the check. Every time we talked to a representative, it was a different story and no representative ever had any record of what the one before had said.
NEVER AGAIN! I will NEVER buy another ANYTHING unless I can pay for it in full in cash that day! They screwed us, and they then turned around and sold the house for NOTHING and now they expect us to pay for the difference. We built the house ourselves, and it was worth a lot more than they sold it for, but they would not work with us at all to even try to sell it. I should have filled up the septic tank and pipes with concrete. No better yet, I should have obtained an owner builder remodeling permit and gutted the place- completely legal. I would not have been able to help it if they foreclosed before I finished my project ;)
THAT's what I should have done! But I didn't.
God reserves a special place in hell for companies like this and those who knowingly work for them. Do NOT willingly do business with them, and if you know anyone who is with ASC, tell them to get out as fast as they can! Sell the house if they have to- only get away from these liars and thieves!
I disagree. I almost lost my house to foreclosure but I have to say the truth. It is true that ASC has a clumsy and non connected computer network (their information is not shared quickly through it's agents) but ASC has been courteous and helpful throughout our 1+ year ordeal. I even had a voluntary community lawyer to assist us but honestly, he wasn't much help at all! In fact, only after I dwelt personally with ASC (Loss and Mitigation - [protected] option 4) that we got the info and the help needed to save our home. Also thanks to the so criticized "Stimulus" the Federal Government provided, I finally got a very favorable and affordable loan modification from ASC. Ever since, I had nothing but great service from them! Thanks ASC!
Their online homeowner link is :
https://carenet.fnfismd.com/wellsasc/ACCLogin.jsp
Good luck to all that has been/is trying to save their home now !
I disagree. I almost lost my house to foreclosure but I have to say the truth. Even affirming that ASC has a clumsy and non connected computer network (their information is not shared quickly through it's agents) ASC has been courteous and helpful throughout our 1 year ordeal. I even had a community lawyer voluntary to assist me but honestly, he wasn't much help at all. in fact, only after I dwelt personally with ASC (Loss and Mitigation - [protected] option 4) that I got the info and the help I needed to save my home. Also thanks to the so criticized "Stimulus" the Federal Government provided, I finally got a very favorable and affordable loan modification from ASC. Ever since, i had nothing but great service from them! Thanks ASC!
I contacted ASC about a LOAN MODIFICATION and was told they would not do it. My interest rate is a whopping 11.5% and thats why I think they are denying my request, so that they can make all this extra money off interest. I explained to them my financial hardship and was told they would give me a payment forbearance for 6 months that would reduce my payment by $158.00 a month, but was told to try and make my normal payment for the 6 months and then they would see what they could do to help me. I said no to the offer because I feel this company is out to get peoples homes and they have NO compassion for anyone. If they is someone out there that knows someone that could help me obtain a loan modification so that I could get a much lower interest rate or a good finance company in the Virginia area that could help me with a refinance, then please be so kind and let me know, because right now I am struggling and my mom lived with me in my house until she passed away, and her memories are here and I can't afford to loose my home. America's Servicing Company should be put out of business, but one thing is for sure God Don't Like Ugly and they will get theirs. Please Help if you can.
ASC forced placed insurance when I already had insurance. I sent them copies of my current insurance papers 3 times and they said that they never received it. We did not pay the extra charge of $300.00 a month because we had insurance. They held my payments in a "suspense account" because we did not make the insurance payment of $300.00 and reported me late to the credit bureau. Now my credit went from 745 to 520 and I am losing my home because of them. They would not accept my payment without the added $300.00, knowing I had insurance. They are criminals! It's as if they wanted my home to go into foreclosure. When will someone stop ASC?
I've never met anyone who worked at ASC in person so I don't know faces but when I imagine what Satan and his minions look like I visualize the voices of the people I have dealt with at ASC and the imagined faces they have. ASC STOLE my home last May! Yes, they STOLE IT! My story is similar to many posted here. They would lose paperwork, told me to skip payments, tack on excessive fees, transfer me all over to have me explain the story to a new rep that had no clue what I was talking about. The home went to foreclosure once due to this garbage, I paid excessive fees to their "attorney" (around 20, 000) to get my house out of foreclosure. I begin short sale negotiations in July of 2007. I had a buyer that was ready to pay cash and I was told by ASC that I could get a result back within 60 days. 60 days later not only had no answer been given but I was told that I needed to resubmit my paperwork because it expires after 60 days! I resubmitted and of course my file got put back in on the bottom of the pile. Which meant that after another 60 days the same thing happenned. This happenned three times, each time they had to order a new appraisal the cost of which was tacked onto my loan of course. At one point they gave me this runaround but the appraisal had just been done two weeks prior and when I called them on this and the legality of what they were doing I got alot of stammering and a "Oh, well we can have an answer in two weeks." Guess what I never got my answer and they continued this horse s*** ordering several more appraisals, losing paperwork, saying they called or sent letters (never did...never would send me ANY paperwork on my loan balances etc. even though I requested it several times) all the way up until the day of my sheriffs sale. May 2008. I did recieve a notice in writing though. The actual day of my sheriffs sale they still had me talking to people giving me the runaround while they were selling my house. This company is a cesspool of filth and so are it's loss mitigation department and slimy attorneys. They will outright lie to you and steal your home as well. The home was out of state I was not able to attend the sheriffs sale plus I was told that it was put on hold and a manager in Loss Mitigation would contact me. I ended up calling them repeatedly every day to be told the person that was handling it was not there and that they should be able to help me all the while they were auctioning my home off! Auctioning it to themselves they never sent it out to the general public and purchased I believe for 1.00 or 10.00. Which is how much the mice they buy on which they feed cost. I know I felt like one of those mice being chewed up alive while they told me it was all ok...I just needed to keep waiting. They had slapped on excessively overpriced PMI insurance prior to the sheriffs sale to themselves. Like they slap on excessive fees by telling you to get behind so they can "help" you. Bull. So basically what happened is they were reimbursed the difference between what I owed and the 1 or 10 they bought the house for from the Private Mortgage Insurance. Then they put my home back on the market to try and sell it. Don't tell me the banks don't want the home it has declined in value. In the end, they make quite a bit of money.
Since dealing with the cesspool and the savage slave lords of ASC. I have learned a few things: first, ALWAYS shower after dealing with these people. Second, you do NOT need to miss a payment in order for someone to "modify" your loan. It is something they do to make more money for ASC and Wells Fargo. Keep in mind ASC has collections, and loss mitigation ( a glorified collection department). And their job is to make as much money as possible for the bank at whatever cost to you. These employees are paid hourly and they recieve bonuses and commission so they are not truly trying to help you. They want to help themselves at your expense. I now work with people going through this every day and I can tell you that YES, THE BANK DOES WANT YOUR HOME. They have no reason to negotiate with you unless they are forced to by a negotiator. YOU MUST SHOW THESE ANIMALS NO MERCY! I kid you not. They will not show you any and they outright lie to their "customers" that they are supposed to be servicing loans for. They steal homes from all races, little old people, young families, even the Easter Bunny got a foreclosure notice two days ago from ASC. I could go on forever because they make me so livid!
I just wrote an article that was published in our local paper and if you would like to email me @ JDRogers2032@aol.com for more information or a link to the article please feel free to.
Good luck and God Bless.
Jon