HomEq Servicing Complaints & Reviews

HomEq Servicingunfair practices

I have used HomEQ “servicing” and have been put through hell!! Up until I recently has been the first time I was ever late with a payment for 2 years, then unfortunately was laid-off and have been catching up after being six months behind. In this time, I had been going back and forth with them trying to be approved for a loan mod. During the “back and forth” I was told to send in $1, 900 in order for them to open my account and view the files….they then, after taking the money of coarse, told me I was not approved for the loan mod. In the next breath they offered to re-open my loan mod files for an additional $1000. I send the money again nervously. Same thing. Now third times a charm…right?! Mind you, my money now gone, they approve the third time!!! I’m thinking yes finally!! Here’s what they did…. They said they’d approve my loan mod if I again sent money, (which hasn’t yet been applied to my actual mortgage) and get this: they said they would only approve if I signed a paper saying an additional $30, 000 was to be applied to my original mortgage total!! Then threatening me sated: it’s either sign the papers or loose the house. This should not be legal!! Now after taking care of my dying Grandmother in our home, I have no choice but to agree and sign. IF ANYONE HAS ANY SUGGESTIONS OR HELP IT WOULD BE GREATLY APPRECIATED!!!

  • Mi
    michael mahoney Mar 04, 2009

    I HAVE MADE MY MORTGAGE PAYMENT FOR YEARS ON THE 15TH OF EVERY MONTH 1.IT IS WITHIN THE TIME PERIOD WERE THERE IS NO LATE FEE 2. THATS WHEN MY BONUS PAY IS PAID TO ME MAKING IT VERY CONVIENENT FOR MY BUDGET BUT AS OF LATE IF YOU DO NOT PAY ON THE FIRST YOU GET VERY AGGRESSIVE BILL COLLECTORS CALLING YOU AT HOME & AT WORK! WHAT IS THIS ALL ABOUT?IS THERE ANY RECOURSE ?

    0 Votes
  • Ma
    MaryP May 26, 2009

    Yes, you can demand that they stop calling you at work. You can also state to them that your mortgage is not past the grace period until after the 16th of the month, and they must wait until after that time to contact you, even at home.

    0 Votes
  • Ws
    wspragling Oct 20, 2010
    This comment was posted by
    a verified customer
    Verified customer

    I lost my home and over $50, 000 worth of equity to homeq. I put all my savings and retirement into my home and still lost it to foreclosure thanks to homeq. Like you I lost my job and was not able to make the extragant payments they were requesting and continuing to go up. Two weeks before foreclosure Homeq gave me a call requesting $6, 000 more and they would modify my loan making my payments $1, 500 a month. They knew I did not have anymore money to give them because I had just given them $20, 000 the month before and requested a loan modification which was denied.

    The only thing left for me to do was to move. I was another victum of homelessness in this United Stated of America.

    0 Votes
  • Ge
    Getoveritrg Feb 11, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Cause it sounds to me that they are movin in for the kill that is to take ur home!!!

    0 Votes
  • Ge
    Getoveritrg Feb 12, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Why did you leave? I woulda fought it!!! I'm not leaving my home cause they have taken 2 times $1500.00 and something from me supposedlt to get me a modification while all the time putting me into Forclosure which I got stopped! Only now I'm still goin thru the hassel of having to prove everything right down to sending them $15, 000.00 in a cashiers check! Anyways I'm sick of these companies and I'm not moving!!!

    0 Votes
  • Ge
    Getoveritrg Feb 12, 2011
    This comment was posted by
    a verified customer
    Verified customer

    I am so mad at these EVIL companies that I can't even type this I get so mad about it!!!

    0 Votes

HomEq ServicingRestroom Useage for Employees

Hi There,

Currently there are some employees at Homeq Servicing who believe they are being mistreated. There is a particular supervisor who does not allow for her team to use the restroom unless it is on there break time. If the associtate uses the restroom other than his/her break then they are warned and advised to obtain a written Dr's note allowing for them to use the bathroom as if they have a problem or for some medical condition which may not exist. Once the Dr's note is obtained, then the associate is to give the note to the human resource department who will then allow the useage under FMLA. First of all, what about women and that time of the month, this just doesn't seem right. Not too mention their is nothing in their company policy which states if an employee must use the restroom other than their break, that they are to obtain a written dr's note in order to allow it. Second, I beleive that with regards to useage for FMLA one who has just been hired is not allowed to use it unless they have been at the job for more than a year. Is this ethical? Not too mention this is not across the board, only certain supervisors seem to be allowed to get away with this. What is one to do?

  • Cv
    cv1988 Jan 21, 2011

    I agree. I worked for Homeq for sometime and was terminated for not providing my private lab results for some blood work I had done violating my Hipaa rights. On top of that they also refused to pay me for 40 hours I had worked. I was forced to take them to court and won the judgement which their lawyers appealed changing the reason for my termination and hold of my wages 4 times . I can honestly say Homeq is the WORST company I have EVER worked for .

    0 Votes

HomEq ServicingThey owe me thousands and aren't paying

Well i remortgaged to get rid of these useless people, they sent my title company a payoff figure.account was paid in full, they changed the payoff figure and kept thousands of my dollars. I am still trying to work with imbasils. They are a skeeming manipulative business that needs to be audited by the IRS and by congress and the senate. I want my cash. Just as I had paid them everyonth on time. I am lucky not to be in the positions of many but I can cirtinly see how they put many many families out on the street. They need to be shut down. Fined or made liable for the destruction they have done. Contact your senaror or congressman if you feel any of what I am saying hits home!! For it should really hit HomeQ.

HomEq ServicingPredatory Lender

This company has denied to modify my home under the Hamp program even though they participate in this program and receive government funding. They are in the business to take your property and could care less about the american people or they homes. There are thousands of complaoints about this company and somebody shold do something about this company. This company is one of the reasons why we cant rebound from our current state in this economy. The Barclays capital own this company and no consumer should purchase or buy anything that relates to this company or the owner of this company. Lets make a stand as american homeowners towards predatory lenders like the Barclays.

  • Ar
    Armymom03 Jan 23, 2010

    I agree, something has to be done about this organization. I too have been denied for the HAMP and also an in house modification by Homeq. Since I have been researching them and the complaints against them on the internet I am convinced this company needs to be audited and repremanded for its unfair practices. People from all over the country are complaining and with rights to complain. I personally got stuct with Homeq when my mortgage was sold and assigned to them.

    0 Votes
  • Je
    Jessica Jones Feb 14, 2010

    Wow. We live in the State of Maryland and are about to have our home foreclosed on by this mortgage company. We were told the same thing - to apply for HAMP - then we were rejected and they in fact wanted to raise our payments to make up for late payments.
    How can this happen and when will someone audit this mortgage company.
    AUDIT THEM ASAP.

    0 Votes
  • Ca
    call your senators! Mar 03, 2010

    Call your Senators!!!

    I have been trying to get a HAMP modification with HomEq for a year and they have pushed me into foreclosure proceedings twice stating that I didn't qualify. I have educated myself on this program and know that my front and back end ratios fall within guidelines. I have sent and resent every piece of documentation that they have asked for to include bank statements, divorce decrees, child support orders, my children's birth certificates, signed letters, paystubs, tax returns, hardship letters, affidavits, updated my financials on their website as well as over the phone... After my second denial I found that they didn't include child support and other sources of verifiable income despite the fact that it was used the first time around! When I asked the rep from the loan mod dept why the underwriters didn't include it, they said it was a mystery to them and they would research, get an answer and call me the next day. This happened three times. Each time, I never received a call back. The last time I remained on hold for 30 minutes while the rep called the underwriting office only to have him get back on the line and tell me that he couldn't get a hold of anyone (?) and would research it and call me back. Again, I never got the call.

    Someone told me to call my state Senators. Out of desperation, I did. Honestly, I didn't expect a response. I got calls from both of them within a week. They have both contacted the office of HomEq's CEO. I haven't received resolve through them yet. More to come. However, the both state they will be working on my behalf and will contact me once they have resolve. I never have received that answer as to why this income is not being use, but suddenly, even though I don't qualify for a HAMP modification the notes show that I do qualify for a "HomEq modification" to include a down payment of $4700 and a 2.7 interest rate (HAMP offers 2%).. This was only discovered when I called to find out status of my requests and I have received no formal notification. I have, however, had foreclosure notifications taped to my door.

    It is obvious that they do not want to do the HAMP modification and are trying to either push people into foreclosure or, with a little heat, a loan modification that they can better benefit from (HAMP does not require down payments and will often times lengthen the term of your loan and even gift any late fees or delinquent payments due in an effort to make your payments more "sustainable").


    The HAMP program was put into place by the President or the United States and these servicing companies have found loops holes so that they do not have to provide it to help those that it was intended to help. We need to ALL write to our Senators as it is an obvious hot spot with them...It remains to be seen if I will get the resolve i am looking for, but alll I know is that I am not going down without a fight!

    0 Votes
  • Ar
    A.Ribar Jun 22, 2010

    I bought my home with my G.I. bill when I got out of the service, back in 2005 I got into a relationship and after awhile we moved in with each other and she was paying all the bills for me I worked all day and she was home so I let her take care of the bills.Well lets say that I found out in 2008 that she wasn't keeping up with the bills we split up and the next thing I know is HomeEq was foreclosing on my house I tried to work something out with them but they wanted all this money which I didn't have.I contacted a lawyer and tried to get my house back nothing worked.I've still to this day have tried talking to them but this company does not care about you they just want the money or your house.As to this day my house still sits empty.To anyone that is thinking about getting a mortage thought HomeEq Mortage Company don't do it

    0 Votes

HomEq Servicing — Fraud

Servicing is NOT what this Company does. They have failed to respond to a CERTIFIED LETTER and THREE request...

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HomEq Servicingage discrimination

Worked for this company from 2001 until end of 2007, retired in 2007, but unable to find a part time position to supplement retirement income. This company advertised for a full time collections position and having worked in their Loss Mitigation department from 2001 until 2006, when I took a position in another department, made me more than qualified for the call center collection position. I submitted an online application and had I not previously worked for them probablywould have been called in for an interview due to my qualifications and experience as a collector. I definitely feel they would not consider re-hiring me because of my age. If you are 65 or over don't bother trying applying for any of the positions they post

  • Ge
    Getoveritrg Feb 11, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Get over it HomEq has put people out of thier homes and ur worried about this [censor]!!! Oh you people sieze to amazeeeeeeeeeeee me!!!

    0 Votes
  • Ge
    Getoveritrg Feb 11, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Get over it woman you people sieze to amzeeeeeee me after all the stress u have put people thru loosin thier homes after have havin them for 10 to 30 yrs. or more!!!

    0 Votes

HomEq ServicingForclosure Procedures

I had the worst loan, an 80/20. It's my first home and I unfortunately trusted the lenders and agents I worked with to help me. Nonetheless, I fell behind in Nov. and Dec. and called to make arrangements. Keep in mind that this is my 2nd mortgage, the 20%. My first mortgage worked with me and everything was fine. HomEq told me that they had already sent me into foreclosure. I tried to work out something but they wouldn't accept anything. I told them that the 1st mortgage worked with me and they have the majority stake in the property. They acted as if they didn't know there was a 1st mortgage. The 1st mortgage told me that they were just trying to scare me. March came around and the foreclosure went through, according to HomEq. They sent a real estate agent out to offer me $1500 to move out in 2 weeks. I refused so they filed papers in court to evict me. I gathered all of my paper work and headed to court. I let them know that the 1st mortgage had not been satisfied by the 2nd. Since my loan was in good standing with the first, they couldn't evict me. The judge signed the order and I was out on the 6th of April. I told the 1st mortgage what had happened and they said I shouldn't leave, but I was not going to come home one day with all of my belongings on the front lawn! HomEq went in and secured the house and had it listed in MLS. I am not sure what happened, but they started calling again. I called back and they said I had 8 payments due. I said no, they foreclosed and the property is now in their possession. He said the foreclosured had been rescinded. I asked if it was before or after they kicked me out! He said it was rescinded last week.

So, I think they thought it would be an easy money maker. I only owed them $25, 000 and they thought they would weed out the 1st mortgage and make a killer profit. I don't think that the 1st mortgage was going to allow that, and that is why this is happening now.

And yes, I created my own mess. I am not blaming HomEq for me falling behind, but I do blame them for trying to take advantage. For those that can make every mortgage payment on time every month, I hope that you never suffer a job loss or major illess that could put you in my position.

  • Lu
    Luana Hodges Jul 28, 2009

    Did you move back in the house?

    0 Votes
  • Jl
    JLHjr Aug 07, 2009

    Homeq is a typical dishonest servicing company. While they are certainly within legal rights they purposely mislead customers and the companies they represent.

    It seems that most servicing agents would rather control delinquent files through the REO process. After all, if the companies they represented request the file to prevent foreclosure, then the servicing company is no longer needed $$.

    Unfortunately, most customers and originating businesses are completely unaware of the short circuit. Institutions could save tens of thousands by avoiding foreclosure and the customer could be relieved of the debt burden much sooner.

    So, remember, most servicing companies have only their interests at heart. If you want something done right, contact the actual mortgage originator. Furthermore, begin at the top and work your way down.
    Take it from someone who helps individuals in these messes all the time.

    [email protected]

    0 Votes
  • Wa
    walk007 Apr 03, 2010

    Homeq is the worst Servicing company they are not a bank and no nothing about banking let alone real estate banking. They have glorfied clerks working for the company that dont know any real estate termnology. I have been fighting with homeq for two years to save my home. When trying to work out sometype of agreement after giving them $9, 999.00 to get caught up after being told needed to send $10, 000.00 but not except that because of IRS. and then came back with a forbearance agreement with a month payment of $5000.00 plus who on this earth can afford this. then after a year offered a modification agreement applied waiting for 5 months to be denied. Then asking why the story was the NPV with US Treasury so what does that mean no one could explain. So as there letter stated I rquested a breakdown and as to why I was denied because by law they have to inform you well that's been a week now going on two weeks and nothing in the mail yet I called making another request they told me to wait for the mail and then the Clerk hung up the phone on me while I was waiting to complete asking questions. I could go on and on but there is no use. I'm just going to hire an attorney for their unfair lending practices.

    0 Votes

HomEq ServicingLoan Modification

I called to inquire about doing a home loan modification because my current interest rate is 9.5% and I was told by the customer service department that I wasn't eligible for a modification because my loan wasn't past due, my interest rate hasn't gone up and because according to the financial information, I have $200.00 left over each month once I pay all of my bills. What are the requirements of this program and is what they told me correct?

  • Ca
    carpediem May 06, 2009

    whats causing your struggle? (hardship.)

    go to the website, send in your docs

    0 Votes

HomEq ServicingFraud and Robbing me

In early 2006 my brother and I bought this place in the mtns of WNC and seem to be doing fairly well with mortgage. Then in early 2007 when it came time for taxes we learned the mortgage company forgot to escrow taxes and add me to the loan. So we were forced to refinance with another lender who was Novastar. My brother and I both asked about the taxes, insurance, and credit life insurance. So our payment went to 1197.00 per month with 11.2 percent ballon rider. He nor I had any clue what all that meant, but we were glad every thing was escrowed into one payment. We thought that saved us alot of money each month. Then in September 2007, my brother got killed in my mom's home, and that left me owing the debt. So I called up Novastar and instructed them about the my brother's death. I sent them his death certificate. They told me to give it 60 days for claim, not to make another payment that his credit life would pay off balance. So then somewhere around late October, I get a letter from HomeQ, telling me Novastar went under and Homeq bought out the loan and I needed to obtain HomeOwner's Ins and catch up my payments or they were gonna foreclose. I told them about the escrow account and they had no clue what I was talking about. So I went and got insurance and caught up my payments. I had no money for a lawyer and didnt know what to do. So I just sucked it in and continue to make payments. And had to pay my taxes as well. Then in Feb 2008 around midnight my home caught fire and barely made it out myself with pets and lost the house and everything I owned. I moved in above with my sister and contacted insurance company and because house was 35 years old they made me rebuild and only paid 90 percent of rebuild. The home is almost finished but do not have funds to finish.

In January 2009, I have had problems trying to keep my mortgage going and owe for Jan and Feb. Homeq has 4518.34 in escrow that insurance company gave them and will not give me the money, and I have signed letters and told them to take the 4518.34 and put it on 4 payments, that would carry me up til May 1, 2009. But no, they will not do it. Instead they send me a letter fixing to proceed with foreclosure. I also get a letter for filing taxes and learned I paid about $15, 800 in 2008 and only about $500.00 went to the principal. I was alarmed what they are doing. They are hurting the economy not helping. HOMEQ ARE CROOKS! AND NO ONE IS STOPPING THEM! I am now on disability permanently and have no clue what I am going to do. When this loan first started in with HomeQ, I owed 129, 200, and after 15 months of payments, I owe 129, 800 and do not understand where all my payments went. All I know I can do is pray that someone will see this and know what to do. I have signed up on a lot of sites under WNathan67 and posted trying to reach someone that knows anyone to STOP HOMEQ! Please if you read this try to find me some help to fight them. Thank you for reading. Nathan (on yahoo)

  • Ag
    AG970 Feb 23, 2009

    Hi,
    Sorry to hear about all of your bad luck. Are you in foreclosure? We can help you and we will stop any foreclosure proceedings. Contact me at [email protected] and we can help you. Take care.

    0 Votes
  • Ch
    Chikiero Nov 23, 2009

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    0 Votes

HomEq ServicingStolen Payment

We are also victims of a scam from Homeq Servicing. We made our December 2008 payment and it has cleared my bank and the money has been take out of my account. I received my January 2009 staement in mail and see that we owe for December 2008. I knew this was not correct. I contacted several different CSR personnel on several occasions and keep gettineg the run around. I have faxed at least to three different people a copy of the check that cleared the bank for December and they state that they need a better copy of the back of the check. The original back of the check is jus t like the copy i sent. However they did not notify that they needed a better copy. I found this out three days la try toter when i called again. I was not aware that they also have a compnay in North Carolina. There was a manager from North Carolina that was suppose to be helping me resolve this issue but is no longer with the company. He turned this over to someone else who will not return my phone calls. Needless to say i have not been very nice when i call because i am hitting a dead end. No one will help me or give me phone numbers to the legal department or te finance department so i can resolve this...I have done so much research on my part to locate who took my money. I have even went as far as to call Wackovia which is their financial instutution. I continue to show that i am a month but i will pay it twice when it has already been paid...Something needs to be done. I had perfect credit and payment history with this place until a few months ago. There is a problem within this company. If anyone knows of a goood phone number where someone can be reached other than customer service plase post it... I am not giving up. I will get this taken care of one way or another and they will end up paying my mortgage for me

  • Pa
    Paying too much in PA Feb 18, 2009

    I dont trust mailing my payment in to this co. They are theives and they just want to give you their late fee. Here is what I do so that they can never say that I am late. I go to Homeq.com and pay over their website. It is free to pay this way. I make sure to print out a copy with my reference # on it so that they can not play games.

    Can anyone tell me if they can get out of the 3 year prepayment penalty that I am stuck with. I am currently paying 10.40% .

    1 Votes
  • Ch
    chris brissette Dec 27, 2010

    I had to pay twice for the same month in august, when homeq was bought out buy ocwen. this was in 2010. im trying to get the bank statement that says i paid it twice. i got two bills. one from homeq, and one from ocwen. both staing that i owed for august. so i paid it to homeq. just assuming that since ocwen bought them it all hash out. not the case. homeq took my money. then ocwen sent me a bill for august. i couldnt believe it. i think their both shotty companies. that shouldnt be allowed to do things like this. i hope this doesnt happen often. anyways i have to get my bank statement and fax it to ocwen. i pray to god make this right.
    chris, bay city mi.

    1 Votes
  • Ge
    Getoveritrg Feb 12, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Well HomEq has failed to forward my payment history to Statebridge also and I think Statebridge is shisty also I have done nothing but fight with HomEq for the last two yrs. on my payment so I copied off from thier web site when it was up but now it isn't!!! but anyways it's posted as me paying the $1, 500.00 something twice but not showing the reason why? And about not to long ago I sent them $15, 000.00 to not only catch me up but to put the rest on the principle which never happened!!! I want to know where my money is going? Now I have to search thru all my papers which I know I have but it's just the point I think they try to wear ya down where ya just say piss on it!!! Well I'm not and they aren't getting this home!!! They already took my Brand New Home back in 2005 rifght from under my nose Homeloan did that is couldn't wait 3 days for me to get to Clevland to get my checks from another Attorney that my boss befriended where I lost my hand in a machine from thier carelessness the clutch brake mechanism went out of it finally and it fell on me!!! I was granted a Judgement till 2021 I think was and he just quit paying me and got AWAY WITH IT!!! I'm so sick of these people I don't know howq they sleep at night but know this they will have to answer to the big Guy (GOD)!!!

    0 Votes

HomEq Servicingmy home

My loan was in an ARM at 12.5%. Homeq would do NOTHING to help resolve the problem. With the interest rates falling how can it still be that high especially when it said it couldn't go up if the rates were falling? I filed chapter 13 and they were still able to go from1384 to 1871. I began in chapter 13 going on 4 pmts. behind. I was in13 for 10 mths. and now Homeq says I am 10 mths. behind. I can't get a straight answer. I pulled out of bk because I couldn't afford 1871. Homeq said they'd modify my loan, sent in paper work just to be told nope, can't do it you didn't reaffirm your loan. They are scammers and no one will help.

  • Re
    REO BROKER Dec 01, 2009

    Your Attorney needs to explain this to you. I'll agree HomEQ is not the easiest company to work with. The usually one of several comapnies that lenders choose to liquidate problem mortgages. They have been one of my clients.

    0 Votes
  • Sm
    Smokey Lynn Sep 10, 2010
    This comment was posted by
    a verified customer
    Verified customer

    I have tried to work with HomeEq for almost a year now to get the Hamp program. They turned me down after about 8 months of sending paper work and calling every week. No one told me they would go out of busninessn I was trying again because I got a higher paying job. I want to save my home. I sent all of this important paper work with all of my personnel info on it and now where is it? I have not gotten a letter from them telling me where my loan went.
    Can someone help? Where do I go now? How do I find out what will happen to my loan? Who can we trust?
    Smokey Lynn
    [email protected]

    0 Votes
  • Sa
    sandra ingram Nov 17, 2012

    I refinanced my home in 1998 and at that time my credit was not good, so my mom had the loan put in her name. i had 15, 000.00 dollars worth of windows put in my home and my mom borrowed 28, 380.00 which she paid back . i have the receipt. then in 2010 homeq sent me a letter telling me that my loan was being taken over by wells fargo in October of 2010. i have a ballon payment due to wells fargo on september 2013 of 59, 000.00 dollars and i want to know how this is possible. i have only been with wells fargo 2 years i have been in this home 26 years and i am not behind on any payments, my interest rate is 8.65, my mortage is 583.12 monthly. with the economy the way it is my home only appraise for about 30, 000 dollars. what can i do i want my home, i only paid 57, 500 for it in 1986. i need help so i can keep my home. I owe more on it than its worth

    0 Votes

HomEq ServicingLoss Draft Department

We were effected by Hurricane Ike over 3 months ago. Our insurance company has sent us a check for the damages that was indorsed to us and HomEq Services. We have still not received the first installment. Every time that we call, they tell us that they don't have all the info that they need to send us a check. I know for a fact that this is not true because the check was attached to the documents. I fax and re-fax and still we can't get results. In the meantime prices are going up and more damage to our home is occuring. Tarps only keep out so much water.

  • Ju
    Julie Jun 07, 2009

    My neighbor has experienced almost the exact situation, after they had work done on their Tornado damaged home. I am a Contractor just trying to assist them and now I have Suppliers and Sub-Contractors that have not been paid for 75 days. HomeEq Servicing says they won't release any checks because they don't have all the docs. Only they get them and then week or two later say they need more! I have never dealt with such a horrible Co, that would operate this way to people already going through such a tough time.

    0 Votes
  • Er
    erez07 Jul 21, 2009

    we shouldmall get together and file a class action law suit
    [email protected]

    0 Votes
  • Je
    JenWilliamscw4 Jul 23, 2009

    I am facing a similar situation. My Insurance company approved a claim for wind/hail damage and made the check payable to myself and Home Eq. I called Home Eq to see what needed to be done to proceed. They instructed me to endorse the check over to them and then fax the necessary paperwork. I did all of this. Each time I sent what they asked for, they turned around and asked for something else. I met every requirement. Now they are saying they also need documentation from my estranged spouse who left three years ago. They know I am unable to get these signatures as I have no idea where he is. They know I have been solely paying all mortgage payments, taxes, and insurance. The insurance check never had my husbands name on it. In addition to not releasing the check, they have now informed me that if I don't get the roof repaired in a timely manner I will be in default of the terms of my loan. These people are liars and crooks and want nothing more than to take my home.

    0 Votes
  • Ws
    wspragling Feb 05, 2012
    This comment was posted by
    a verified customer
    Verified customer

    I withdrew my 401k retirement money and put it toward trying to save my home. Homeq took the money promised me a loan modification. The following month I received a notice requesting $6, 000 more dollars in order to do the modification. At that point I did not have any money left, so i lost my home, and over $50, 000 in equity. Thank you Homeq. The odd thing about it within a week of me moving out the home had been sold to someone else.

    0 Votes

HomEq ServicingStressful environment

I worked for Homeq Servicing since January of 2008, my last day on payroll was September 12, 2008. I resigned after they wrote me up and threatened to do it again and fire me. Reason I had to resign because I am pregnant and I have had quite a few complications. I made my supervisor and Human resources aware of the issue and got on PDL ( Pregnancy Disability Leave) which should allow me to take time off when I need it. Since then, I feel like I have been put under more stress than ever by the Human Resources Person who complained about everything I brought from my doctors. All the notes, she said were wrong and she asked me to get specific hours stated on the notes, where my doctor could not predict when and how long I will be feeling sick. So after almost a month of being on bed rest they decided to call me and advise me that I am being written up and may get fired if I do not show up for work. At the time I had all the documentations from my doctor who allowed me to stay off work with the way I was feeling. I asked Homeq to change my work hours so that I don't get in trouble for missing so much, and I was told that there was not a shift like that available. Homeq has made it impossible for me to work there and I think most of it was because I got pregnant. They were mean and did not treat me fair at all. Furthermore, in my initial interview the supervisor who interviewed me asked a bunch of personal family related questions that did not pertain to my job or my abilities, which made me feel very uncomfortable. When I brought these issues up in the 90 day review, the supervisor was addressed, but she ended up taking her frustration out on me one was or another constantly getting me in trouble. There is a lot of double standard there and no one is treated the same.

  • Ge
    Getoveritrg Feb 11, 2011
    This comment was posted by
    a verified customer
    Verified customer

    Cry to someone else who gives a [censor]!!! What about the people in this company that purposely didn't keep accurate records so they could boot people out of thier homes????????????

    0 Votes

HomEq ServicingFraud and cheating

As a unhappy collections employee of Homeq Servicing here are some pointers for homeowners.

1 Do not take no for an answer, contact Hope Now Homeq will modify almost any loan if it comes from an outside agency. They will tell you your loan is not coded by the investor for a mod, this is crap I see them do mods all day long. They advise the employees do not offer mod if the customer does not ask for it.

They are offering rates as low as %, ask for an afford ability mod, also don't let them tell you that only adjustable rate loans qualify. I have seen fixed rate loans, both first and second modified. Also it seems if you are 2-3 payments behind, they are even more willing to modify and re capitalize the loan. The staff at homeq is very new, most people have less than one year with them in the collections dept, as It is such a bad place to work. Turnover is almost 100% within 6-9 months. Good Luck

  • Jo
    josiegomez Feb 26, 2009

    I was told HomEq that they could not modfied my home not even with 1 payment late. They said I did not make enough money.what shall I do?

    0 Votes
  • Sn
    sndneedshelo Dec 13, 2009

    I was told HomEq that they could not modfied my home . They said I did not make enough money.what shall I do

    0 Votes
  • Ka
    kathy brice Sep 19, 2010
    This comment was posted by
    a verified customer
    Verified customer

    i went thtough a short sale with homeq. they assured me that all of my late fees and remainig balances would be sponged. this was told to me on several occassions. the house was sold and now i am gettin a bill from 0wens servicing for 210000 . i hope homeq gets ther just rewards

    0 Votes

HomEq ServicingNo complaint

Wow, reading these complaints about Homeq servicing is pretty scary. I think I am going to check on other companies now before I find out first hand, because my loan was just sold to Homeq and see of I can get a better rate now...

I am not currently with the Homeq servicing company, but it is good to know that this website provides some insight as to the customer service of another company especially a home loan lender. I hope not to experience the things these other people are experiencing or have experienced. I have been a homeowner for about 25 years now and thus far, I haven't had any problems except with a high interest home loan, but that can be fixed within time.

  • No
    no more hom eq 4 me Jan 23, 2011

    I was with home eq for many years and I lost my job in 2008.. I tried to mod, HAMP, NACA even said this lender was vey difficult. I sent letters to washington dc. My last resort was to file bankruptcy in 2009. My loan was transferred to another lender Sept. 2010 and I finally can say 'HALLALEUH!!! MY LOAN IS NOW 2% with the new lender who was willing to understand my diffilculties.

    0 Votes

HomEq ServicingStay away from them

We finally sold the house that ended up under homeq servicing ###. I feel for all of you that are trapped with them. The only advice I can offer you is to keep on top of your accounts and try not to speak to them on the phone.

Our loan was sold to these ###. Our credit is excellent and we own another home with a local bank. Our local bank does not sell their loans. That is another key to peace of mind. Go local when applying for a mortgage and make sure they do not sell their loans.

As for the person who said they never had a problem, they are most likely employed by the ### and are not telling the truth.

It looks like we got away just in time as they sent a letter saying they did not like our insurance coverage. Luckily I knew what they were up too and got rid of them.

  • Es
    esteban figueroa Jun 30, 2008
    This comment was posted by
    a verified customer
    Verified customer

    HomEq is the ### people are saying they refuse to work with you when you are behind on a payment. The do call on the hour if you are one day pass your due date. We have been trying to work out a payment plan and they refuse they threaten you with forclosure yea right they are going to forclosed on a home and have to pay 60k just to forclosed Homeq is a servicing company for deutsche bank and trust I wonder what this bank would do if they knew they were doing this. Dont let Homeq take our homes lets write to the bank they are servicing and let them know what is going on.

    0 Votes
  • Mi
    michael folk Nov 22, 2008
    This comment was posted by
    a verified customer
    Verified customer

    homeq is doing the same to me.i get a forecloser notice that i owe them 2900 dallars.i have payed the morgage payment every month some times late but, they always included the late fee which they always took.now they have sent my last payment back and have told me not to send them any more payments.how the hell am i suppose to get caught up on payments i dont owe when they have started refusing them.iam on a fixed intrest rate and am in the last four years on the term of the morgage.iam also still under the protection of a bankrupsey for 3 more years.iam a disabled veteranwith ptsd in a small town and hold down 2 part time jobs what are you supposed to do?i dont owe them any more money than i have payed them, they didnt send any notice that i was in default, which iam not, meaning that i havent missed any payments, the taxes are payed as well as the insurance.i have been late but not more than 15 days in any months payments. and try to talk to them, it like it is there plan to take your home from you .the federal goverment has got to draw the line some where unless they are a party to this injustice. at 60 years old and almost 20 years in my home here iam beyond starting over and i dont beleive if they manage to throw me out in the street i dont have any more to loose, so i might be inclinded to take a few of the boys out that are behind this. i served this country in the time of war and i deserved some kind of a break.it isnt in the best interest of any one except the money hungry basters behind the forcloser, the balance on the morgage is 33000 dallars, and that isnt the principle it is less than that.i need some help be fore i loose my mind what little of it i have left, being ptsd which in it self makes life hard enough to deal with!!! so i will do what i need to do, maybe it will raise enough attention that people that are honest will take action, but maybe to late, iam am not responsable for my actions it falls on the federal goverment because they turned a deaf ear and a blind eye to the problems that they caused.it is getting close to the time that we need to bear arms and deal with the problems at hand. if i loose my home thru some money hungry subprime lending instution that is going under because of their creative lending, which i didnt get involved in, my loan was one that was sold to them, MEANS WAR! SO IF SOME ONE OUT THERE KNOWS WHAT TO DO, PASS IT ALONG IF NOT I WILL SEE YOU ON THE FRONT LINES WITH THE REST OF US THAT DONT HAVE A HOME ANY MORE. it all part of the plan the new world order has put together, make the rich richer and death to the middle class, make us poor and enslave us to a life poverty!people we better wake up its almost to late

    0 Votes
  • Ch
    Charlene Rogers Nov 24, 2008
    This comment was posted by
    a verified customer
    Verified customer

    Hi everyone,

    This co is rude and I feel they need to be investigated, I lost my home in sept to them and Almost had a nervous breakdown with the harressing phone calls to my work and I even cancelled having a home phone. I did get behind in my mortgage due to vehicle accident. I was not at fault for accident but have lost everything. They just kept telling me to file bankruptsy. Sept 07 they sent me a forsclosure notive and auction date. They threaten me and belittled me . I felt worthless and scared, Being a first time home owner and on a lot of medication I didn't know what to do. So I moved out before the auction. They didn't auction until this past sept 08.
    One yr later and i had to move back in this past summer because people where destroying the house. Broken windows, and doors, spray paint, and etc. When i called them because the city sent me notices on broken city ordinances on the home. The Mortagage co. said I abandoned the home and made it sound like i was in deep crap. Now it's almost dec and i have until Jan 5 to get out. The evicted me. I have fixed the windows and what i could. Ohhh and they also sent me a notice that there coming after me for the difference. I'm heartbroken and no body will rent to me now because of my credit rating. I will be homeless soon. Good luck to anyone out there going thru this.

    0 Votes
  • De
    denise Jan 07, 2009

    I hate this mortgage company, they do not care about you; all they care about is getting their money. They don't try to work with you in saving your home, they foreclosed on my home recently, and did not try to work out a plan. I just hope they are never in a situation and need someone to work with them. this company needs to b investigated, and then closed down and when they are uemployee see how they feel when they can no longer make their payments and want someone to work with them. They are a sorry bunch of people with no feeling and no sense of know how. I HATE THIS COMPANY FOR ALL IT STANDS FOR, WHICH IS SEEING PEOPLE LOSE THEIR HOMES, AND INVESTMENTS. I WILL BE CONTACTING THE GOVERNERS OFFICE TO DISCUSS THEIR METHOD OF PRACTICE, in not working with government agencies to help people save their homes. SORRY BUNCH OF ###!!!

    0 Votes
  • Br
    brasbury Mar 14, 2010

    They are awful. Will not work with me to modify my interest rate which is 11%I have retired and get next to no return to pay my taxes told them and they could care less. So now I have last year school taxes to pay as well as this years taxes. Trying to see how we will get by

    0 Votes

HomEq ServicingTerrible company

I have a flat interest rate, but I also get charged per day also. I have been asking if you have a flat rate why I am being charged more interest if I pay my payment before due date. Also if I am late I get charged more interest. They say I have to pay my payment on the exact die date, not a day before or a day after or I pay more interest. I asked how did I mail my payment to get there on the exact doe date? They said not there problem. I can not get them to tell me how do you get charged a flat interest rate and a day by day rate also.

I think these is the worst company ever, I hate the Homeq Servicing. I would never request these company to my worst enemy.

  • Su
    SUE Jun 04, 2008
    This comment was posted by
    a verified customer
    Verified customer

    homeq servicing is the worest company i have ever dealt with. I HATE THIS COMPANY

    0 Votes
  • Bo
    bob Jun 16, 2008
    This comment was posted by
    a verified customer
    Verified customer

    You people are only upset because you are so uneducated that you can't figure out you signed up for. If you don't want to talk to them, MAKE YOUR PAYMENT ON TIME. It's quite simple. I mean look at the comments posted... 90% of the people can't spell or use simple words like "due" correctly. Don't be mad at the company because you're an idiot.

    0 Votes
  • Ca
    carpediem Aug 27, 2008

    Sue, do you have a DSI loan? I personally love the attention I get from HomEq but maybe that's because I take responsibility for my actions.

    They can not take responsibility for the mail, do any of your other bills? Would your electric company take responsibility for the mail? NO. They offer an automatic payment program which is FREE, online payments which are FREE and various other ways to make payments.

    Get a clue people. They help people that help themselves. if you complain about the economy but refuse to rent a room or get a second job, why would HomEq be responsible? I would never refuse to get a second job and blame my loan servicer for the loan I signed.

    0 Votes
  • Dr
    dreamer Oct 10, 2008
    This comment was posted by
    a verified customer
    Verified customer

    you have DSI loan...which is daily interest loan..

    0 Votes
  • Dr
    dreamer Oct 10, 2008
    This comment was posted by
    a verified customer
    Verified customer

    try taking resposibilty for your own actions..once againit is always the other guys fault...right...may you can't read the note or don't know how to read ???

    0 Votes
  • Ro
    Robert Jan 23, 2009

    Do you really think that the way you are treated by this company is acceptable? I have never been with a company that has never been willing to work with a customer. I have owned a couple of homes and even when the economy was in good shape they would work with you to stay in your house for whatever your reason you may have run behind. With the banks struggling you would think that they would be willing to help those that are down. I have tried to talk with them time and time again to no avail it is very disturbing to those that really try but are down on their luck. It is THE worst company to deal with!!! DO NOT go with HomEq EVER!!!

    0 Votes

HomEq ServicingFraudulent foreclosure!

This Company is an evil, conniving, deceitful, rude, crooked and totally unfair. I have a first mortgage with EMC mortgage and HomEq is my second mortgage. I got behind two months on both mortgages because of medical and financial hardships. EMC worked with me and allowed me to catch up on my payments but not HomEQ. They started the foreclosure proceedings against and refused to accept my payments which caused my mortgage with them to get behind more and more.My position with my first mortgage is fine but HomEq has foreclosed and is trying to take my home. They only have a $25, 000.00 mortgage with me and EMC has a $100, 000.00 with me and is in first lien position. How can this company take my home if they are in the second position and I am current in my first position.

Thanks,
Doreatha Penn.

  • Ph
    Phil Baron Jul 08, 2008
    This comment was posted by
    a verified customer
    Verified customer

    Any lender whose loan is secured by a deed of trust (1st, 2nd, 3rd, etc) may foreclose on that property if that loan is not current. If the holder of a 2nd deed of trust forecloses they will take over the property and become responsible for keeping the 1st loan current. To avoid foreclosure you must pay all the arrears (principle, interest, and penalties) to the foreclosing lender within 90 days of the default notice. To assure proper credit, send the payment by certified mail, return receipt, so that you have proof. As soon as your check clears, obtain a copy of it for your records. Then (this is important) make sure the lender files a "Notice of Recission" with the County Recorder.

    0 Votes
  • Ma
    Mary Jul 28, 2008
    This comment was posted by
    a verified customer
    Verified customer

    A year ago we were forced to go bankrupt. We were discharged august 1st of 2008. We reaffrimed our mortgage. I called every month to make a payment after that and they said " that we weren't discharged." I said "we are and I can fax you the paperwork." Nope - they would not except my payments until their attorney tells them it was discharged. It's the end of February, they finally called and said "they have good news our bankruptcy was discharged". Really? Since I have been calling you every month since August to tell you that. Also they stated "you owe us a payment of 48, 000.00" - WHAT?? So we hired a loan midigation company - Unfortunately, a fraudulent one - they came back with Home Eq Servicing agreeing to 18, 000 down and 9, 000 a month. WHAT? We can't afford that. What do we do???

    We then called Home Eq Servicing to keep trying to work out an agreement and they say "that is the only agreement they would be willing to do or 70, 000 payment now". The math doesn't even make sense to what is owed. All along we are having 10% added ( actually 9.875%).

    Then, they throw us into Foreclosure while telling us we can not pay a payment and we hire another loan mitigation company and they are just as frustrated as us. Home Eq will not confirm that they will work out anything with them/ us if we provide the reaffirmation that they should have on file. They said to tell us our kids should not go to college and we should pay the forebarence amount and that there is nothing we can do. Also, the company we hired talks with a different person each time and it is a different story ea time. They are just as confused by this company as we are. Most companies want the customers best interest at heart this one just wants your house in a bad market or a VERY LARGE payment for their comission.

    Everytime you call Home Eq Servicing it is a new person with a new story with more paperwork and no work out plan. They told us US BANK owned the loan and to call them - We called US bank they have no idea who we are. Who owns our loan????? - Homeq Says "they ONLY service the loan" and gets a comission on how much $ they can get out of us homeowners at a time - while they constantly decline a monthly payment and will ONLY demand a large payment. Work out plans? Doesn't exist with this company.

    The government needs to investigate this company it is so fraudulent and has no idea what they are doing except for smuggling money from the people who need the help most. We have been more than willing to make payments but they have said "ALL or nothing " . Is that even fare when the paperwork issues are on their end not ours but now we are the ones loosing our house. ??????

    0 Votes
  • Ka
    Katherine Oct 20, 2008
    This comment was posted by
    a verified customer
    Verified customer

    HomeEq Servicing is not a good company, I lost my home . My husband left me, sold my home without me knowing anything about what he was doing with my home. Somehow this may got my home back 8 to 9 months later. I feel that HomEq helped this man Fraud me out of my home. HomEq gave this man a 368000.00 plus mortgage on a 40 year home in Stockton Ca. I lost my home, payment where too high for me to pay after my husband left me. The mortgage loan that HomeEq gave this man was so large it they made it a 1st and 2nd loan. I have the D A looking for this nothing guy i married and trusted, but I am working getting HomeEq charged with martgage fraud along with Fannie Maye and Freddie Mac. I am trying to feight and get my home back I may not have any luck seeing that the Fed. Gov. is not bring them (HomEq) in front of the Grand Jury. I agree with you 1000% Someone needs to stop HomeEq.

    0 Votes
  • Ti
    tisha Nov 14, 2008
    This comment was posted by
    a verified customer
    Verified customer

    This company needs to be shut down. I could not afford to pay all of my back payments due to a job loss, but I asked them if they would put what I owed on the back of my loan. They said no, that they had to many people to work with, but they keep telling me that they want to help me keep my home.

    0 Votes
  • De
    Desperate Dec 19, 2008

    Does anyone know who to get in touch with? I too am in foreclosure, again. The first time my house went to sell and sold. Luckly I was able to file bankruptcy to keep it. Followed the plan the court set up while also being garnisheed. Then, a totally unexpected issue with my youngest child came up where I hired an attorney, using the house payments. Now I'm 3 months behide and they filed a default putting it back into foreclosure. My attorney says I have to talk with HomEq, HomEq won't talk with me. And the attorneys for HomEq and waiting until today to send the information to HomEq. A whole week later - I only have until Jan. 16th to respond. I can't get to talk with anyone. My attorney told me its out of her hands. HELP!!!

    0 Votes
  • Da
    Dan Apr 09, 2009

    You think that's bad, Homeq sold my client's home at SHERIFF SALE WITHOUT EVEN FORECLOSING ON IT!!! Not only did I give them prior notice but I also filed proof of all the recent cancelled checks for the mortgage payments and gave them notice of the fact that they didn't even foreclose on the property yet. Needless to say, I set aside the Sheriff Sale and now we're going to crucify them in court. What arogant low life ### suckers they are. If you'd like to testify against them as a witness email me your address and name to [email protected] THANKS, DAN

    0 Votes
  • Da
    Dan Apr 09, 2009

    YES, think about it, you can have a chance to rip on Homeq and Wachovia by telling your true stories as a witness against them in a real trial! Let me know how I can help you in your troubles as well, maybe I can and maybe I can't. I'm a consumer attorney in PA. [email protected]

    0 Votes

HomEq ServicingThere is hope!

You can possibly get away. I contacted HOPE through the program Presidet Bush said would help, not may on the list would even consider it. The NACA is the only ray of sunshine to help us with Homeq. They went to congress with a plan to help people stop foreclosures. They took down Fleet and Ford Associates... Their latest complaint included HOMEQ aka BARCLAY. Demanding that they bring in CEO's of the bottom 10 lenders that say they will refinance but they don't. Here is that link https://www.naca.com/press/FSCTestimony20071101.pdf

We have started to process with NACA and hope to get away from Homeq. Try them, they might be able to help. They do not look at credit rating. They look at ability to repay. You qualify if you have a predatory rate (10% or higher) I would say 90% of their mortgages probably are. I can't afford a lawyer, my last hope is the NACA.

Good Luck!

  • An
    ANTONIO J CASARES May 03, 2008
    This comment was posted by
    a verified customer
    Verified customer

    I HAVE BEEN GIVEN THE RUN AROUND WITH THIS COMPANY THEY ARE TRYING TO TAKE MY HOME OF 10 YEARS WILL NOT RETURN MY CALLS OR SEND ME A CURRENT STATEMENT THEY JUST PUT ME IN COURT SYSTEM FOR FORECLOSURE IT IS A SHAME BECUASE ON MY BLOCK ALONE THERE ARE 12 EMPTY HOMES THAT CANT BE SOLD DUE TO NO JOBS HERE SO IF THEY WANT TO HAVE A EMPTY HOUSE THAT IS ON THEM I WOULD LOVE TO KEEP MY HOME BUT HOMEQ DONT CARE ABOUT US.THAT IS MY OPINION. I WISH I WOULD HAVE STAYED W/CITIFINANCIAL PEOPLE WHO CARE ABOUT THERE CUSTOMER. NOT A #.

    0 Votes
  • Ca
    Capetillo Feb 06, 2009

    We are not behind on any payments however homeq is trying to foreclose us. We have to take the time and spend money to prove that we have made all payments. Also have to take time off work to go to court about this. They never send statements or payment coupons. They wont even give any answers when you call them. They never know any information about your account. Meanwhile they say we are behind on payments, they send our house payment back to us!!!

    0 Votes
  • Ma
    mayotsi Apr 09, 2011
    This comment was posted by
    a verified customer
    Verified customer

    It just so happens that HOPE was on the line as a third party with Homeq when Homeq flat out admitted that they had no intentions in modifying my loan after they had told me not to make my payments for 9 months and then started foreclosure, all HOPE said is, " I don't know what to say, Mrs.----, we are in total awe, we cannot believe what we just heard, we are so sorry. " and had nothing they could do for me.
    Think about it if the bank gets $5, 000 for every modification. Why in the world would they accept that if they can swindle me out of my home and get a hundred + thousands of dollars.
    I am up for any class action [email protected]

    0 Votes
  • Th
    Thymes Jul 22, 2017
    This comment was posted by
    a verified customer
    Verified customer

    @mayotsi I was reading the comments. I had Homeq around the same time; I was in the class action law suit but haven't heard anything; have you?
    Connie my email is [email protected]

    0 Votes
  • Th
    Thymes Jul 22, 2017
    This comment was posted by
    a verified customer
    Verified customer

    I can't understand how Homeq Servicing can get away with cheating, swindling, lying and any unlawful things done to hard working people and nothing is done about it.

    0 Votes

HomEq Servicing — Contact info for CEO and Chief Financial officer!

I have the same complaint as all of you. Listed below is the email address' to the CEO and Chief...

HomEq ServicingIllegally harass, lies and deceitful practices!

I read Alan’s complaint regarding HomeEq Servicing. It’s amazing to me that this company is allowed to illegally harass home owners with their lies and deceitful practices. We are also victims of this HORRIBLE company that call themselves debt collectors. They make sure that you keep behind in your payments. They constantly harass you saying that your payment was not received or the bank rejected it. Even though my bank has no record that they tried to cash any of my last 2 payments. These check numbers are also missing on my statements and show as skipped numbers. They were paid by phone as electronic checks. I have since put stops on these checks. I was finally able to get them to accept a payment which was sent by cashiers check. It was cashed on the 10th day. The last day before we could put a stop on it. Which we were going to do. I was smart enough to write the check number that the cashiers check was replacing. Every time we send a payment it seems there is some kind of problem they have with cashing it. HUMMM!!! Somehow we are always in default and always owe late fees. We have been threatened with foreclosure, treated very rudely, denied access to a supervisor on many occasions. Feeling very frustrated, I began a search for complaints on HomeEq Servicing. I found the [redacted]s on HomeEq Servicing. WOW!!! Over 300 complaints. Many with similar stories like mine. They threaten people with foreclosure unless large amounts of money are paid. The amount of payoff on the account never goes down, because they hold your checks so they can charge late fees and other charges that they can’t even account for. We are unable to refinance because they have us in arrears. We have recently filed bankruptcy and at least the lawyers have to deal with them for the next five years, but I am truly worried that when that time is up they will be back to their evil bullying that they are known for. We need help in our fight. We are stressed out!!! We have asked numerous times to talk to a supervisor to which we are always denied. They make false promises saying one will call us at 6pm CST. The time comes and goes with no contact. We would like to take part in any class action suit that is being sought against HomeEq Servicing. If someone would contact us via the above e-mail we would certainly be grateful!

  • Ro
    Robert Seymour Jr. Sep 05, 2007
    This comment was posted by
    a verified customer
    Verified customer

    We to are being told that we are in default of payments to HomEq. we have never missed payments and now are told we are 8 payments behind from 2006 and we filed Bankruptcy in 06 and are told now we have till Oct. 9th to come up with 3,574.67 to make everything current or they will foreclose on our home... and always owe late fees. We have been threatened with foreclosure, treated very rudely, denied access to a supervisor on many occasions. Feeling very frustrated, don`t know what to do at this point...

    0 Votes
  • Sc
    Scott H Peterson Sep 20, 2007
    This comment was posted by
    a verified customer
    Verified customer

    Wow! this letter mirrors my dealings with these shnooks exactly!

    I finally got out and re-financed but I was headed thew same way as Vicki!

    I can't believe someone hasn't taken this company out yet!

    The things they put us through are unspeakable!

    I would recommend HFC Home Mortgage -they helped me and my loan is fixed rate now -thank god!

    0 Votes
  • An
    Anonymous Nov 29, 2007
    This comment was posted by
    a verified customer
    Verified customer

    CALL THE COO of HomEq. His number is listed below. I am in a situation with HomeQ where my home is going to foreclose because we are short $2800. They will not approve a shortage of $2800. We have a buyer waiting to close and instead of getting 140,000 they want the full $142,800. We of course cannot come up with the money, so it will foreclose. So please, do me a favor, call the piss out of this man and let him know just how you feel! Oh, and if you get his voicemail, press 0 then # to get his assistant. Good luck everyone!

    Keith Becker COO - HomeQ Servicing
    916-339-6134

    Press 0# to get his assistant, she actually answers the phone.

    0 Votes
  • Ho
    Homer Wright Jan 18, 2008
    This comment was posted by
    a verified customer
    Verified customer

    This company Homeq servicing has damaged my credit and my wifes credit also we have been paying our mortgage ontime every month ,but not on the first of the month but before the 15 of the month.and when you pull your credit report they have already reporteded it as late,so i called them and spoke to some one in customer service they said that was their practice.Something has got to be done about this company they should not be allowed to be in business any longer

    0 Votes
  • Ma
    marva Mar 23, 2008
    This comment was posted by
    a verified customer
    Verified customer

    This company is the biggest rip off there is.

    0 Votes
  • Kr
    Kris Gray Apr 18, 2008
    This comment was posted by
    a verified customer
    Verified customer

    My husband and I also are having problems with Homeq. We were a month behind back in December, instead of having Christmas for the kids we paid $3000.00 to homeq to save our house that they said was going into foreclosure. (The kids went without a Christmas because of this) I have been paying the payments since when last month our house was in our local newpaper saying it was going up for auction for a forclosure. We once again sent over $2, 500.00 to save the house and everything seemed ok until this week when they asked for $5, 000 or the house would be sold. We do not have this kind of money and don't want to lose our house, IS THERE ANYTHING WE CAN DO ABOUT THIS COMPANY?

    Kris

    0 Votes
  • Ex
    EX-employee May 17, 2008
    This comment was posted by
    a verified customer
    Verified customer

    I feel really bad for you people------NOT!!!
    Pay your bills on time. Setup a auto draft with the company and I promise you that you will NOT receive a phone call. Or I love it when people say HOMEQ calls me alllll the time. HA, um...they may call but do you pick up the phone, do you talk to them? do you NOT lie---i love the excuses you people make...i had to travel out of town for my mothers funeral--next month it will be the same thing. Or when people say that they were on vacation. OBVIOUSLY YOU CAN AFFORD TO GO ON VACATION BUT CANT PAY THE MOST IMPORTANT BILL IN YOUR HOME? Or this one is the best--i can pay my mortgage because i have to buy new clothes for my kids--oh you do? wow...well what are you going to do when your kids dont have a place to put all those fancy clothes or a place to rest their heads at night because mommy and daddy misappropriate funds? lol
    I'll have you know the people who work for this company sit back and LAUGH all day after having gotten off the phone with people like you guys. Whoa is me--I can't make a mortgage payment on time and I wonder why the COLLECTION department at homeq servicing is calling. BOO They are threating legitimate charges on me like late charges-- or better yet...IM 45 DAYS PASS DUE--WHY ARE THERE LEGAL FEES...IM TOO STUPID TO READ MY LOAN DOCUMENTS THAT SAY IF MY PAYMENT IS LATE LEGITIMATE FEES--LIKE RECOVERABLE CORP ADVANCE FEES WILL BE ASSESSED. But, You know buying a house and NOT reading your mortgage documents is sooooo 2004--

    What i really love is when people talk to borrowers and the borrower says i cant pay my payment...blah blah blah...and when you get right down to it, plain black and white they cant pay because the spouse is a lazy #$^ who wont get a job. no wonder you everyone is soooooo FOCUSED on homeq because they'd rather do that then go out into the world and get a job to help save their home.

    0 Votes
  • Ms
    ms elmore Nov 28, 2010

    We have been through the same thing as most of these people with homeq. We got one payment behind due to job loss. I paid extra every month to catch up the past due payment. The balance never went down it just kept going up. I tried to call them to receive help but to no avail. They didn't want to help us. now as i am sorting through old statements, i see where they have listed another payment we didn't pay at all. So i check our bank statement and the check was ran through electronically but never posted to our account. They are VERY dishonest and you can never get any resolution. I don't see how they can continually get away with ripping people off . We work hard to pay our bills with our mortgage being a priority but they can take our money & get away with it. There should be some sort of legal action that can be taken against the company. I have called and asked to speak to a supervisor and can't ever get them to transfer me to one. They have now sold our loan to another company and as i'm reading through the new information...they have our mortgage listed as a 40yr instead of 30yr!

    0 Votes

HomEq ServicingPredatory lending!

I have owned my own home since 1988 and never missed a payment. I have asthma and a sensitivity to perfumes and chemicals and other toxins. In 2003, my then employer ignored my needs. As a result, I breathed in some toxins sprayed at work. I could not breathe and catch my breath. I was left writhing in pain on the floor for 45 minutes in front of a room full of people before an ambulance was called. By the time I got to the hospital, my stomach had perforated resulting in emergency surgery and a $15,000 bill, which the employer or its insurance company refused to pay. I also lost my job for reporting the situation and tried to obtain worker's compensation to cover the income losses and get help with the bills. As a result of the outstanding hospital bills, I could not get treatment to be able to heal from my surgery properly. My former employee threatened me for reporting them.

I was deep in debt from the medical bills and credit card debt. At the same time, I became fodder for identity theft. While I was on pain killers. A telemarketer from a software company, Smart Certify billed me for $3,000 for a web design course I did not authorize on an MBNA credit card. Smart Certify and MBNA would not remove the debt and it went on my credit report. Before the surgery, my FICO score was 710.

To avoid bankruptcy, I attended a seminar with others in Cedar Rapids, sponsored by Financial Rescue Services and the National Consumer Council for debt settlement. My debts were settled for pennies on the dollar. I filed for financial assistance for payment of the hospital bills. I was told the application was approved and the debt was cleared. Yet, the 3 credit reports (Experian, TransUnion and Equifax) and still are reporting the medical as collection accounts, when they are not and the MBNA does not have the fraud disclaimer I requested. I was trying to heal from my surgery and the terminal illness of my mother from colon cancer.

Household Finance was paid off as part of the settlement, yet I am still hounded and harassed by collectors. My home mortgage was refinanced to clear off the debt by Financial Rescue Services. My mortgage loan was sold in 2005. I was living on income from bonds I had inherited. An ex-friend, which a substance abuse problem broke into my home and stole the bonds. Even though he couldn't cash the bonds, it took 2 months to replace them. I was never notified that they were taking over my loan.

At the same time, my youngest brother was injured in a fall down some stairs, sustaining a serious brain injury. I explained the situation to Homeq Servicing Corporation, the company who took over my loan. They seemed to understand, yet many things happened. They took advantage of my situation and that's when the hassle began.

Thanks to Homeq:

1. They canceled my home owner's insurance (which I had had since 1988) for $500/year and replaced it with a policy for $989/year and told me I couldn't have other insurance. (this is a practice called “forced insurance.

2. My payments were increased from $500 to $800/mo which violates my mortgage, without legal notification.

3. Payments have not been applied even though I have shown proof of payment of checks cleared through my bank. So I am being told I am behind and in breach, when I am not. It is now on my credit report and I have been accessed late fees. They have destroyed my credit by reporting late payments, which have been made.

4. Still continue to charge me for an escrow account, when my interest and taxes are included in my mortgage payments, according to my mortgage deed.

5. I have been called a deadbeat and profane names by collectors even at 10:00 pm as well as “f—ing [censored]” and that because I am a low-life deadbeat, I do not deserve to be treated fairly and that they can do as they please and there's nothing I can do about the situation. I even sent Homeq a cease and desist letter and they still call.

6. An "attorney" called telling me that if I didn't make payment and if I reported them to anyone-I wouldn't have my home and job and I needed to pay in full by July 1st or face foreclosure. He wasn't an attorney but posing as one, which is illegal.

In my research on predatory lending, I learned that my current mortgage which was financed by Financial Rescue Services through their bank, First Financial Bank NLC in California contains illegal items:

1. The HUD settlement statement has illegal fees charged by the bank they cannot charge.

2. I was promised a fixed rate but got an adjustable rate mortgage.

3. My truth in lending and good faith estimates have 2 different rates, which is illegal.

4. My interest and taxes were financed as part of the loan and yet appear not to be part of the loan, which is illegal.

5. Did the loan you got at closing turn out to be very different from what you were promised? Is the rate much higher than the lender led you to expect? Did you think you were getting a fixed rate loan, and end up with a variable rate loan which can only go up from where it started? Were large fees financed into the loan? Were you looking for lower payments only to find that you now have to pay your taxes and insurance on your own, outside of the loan? Yes

I learned that in 2004, Financial Rescue Services and the National Consumer Council were shut down by the FTC for fraud and failure of full disclosure. (Court Closes National Consumer Council )

Because I don't have the money, I cannot obtain adequate legal representation. The Iowa Attorney General has referred my case to the Office of the US Currency, who are slow to act even after 2 referrals by the Attorney General's office. People are losing their homes because of this fraud and I don't want to lose mine. I have home repairs that need to be made (leaky faucets and gutter cleaning to clear out trees that have grown) and haven't the money to do so. The stress has been ungodly because of the harassment and red tape. My loan is owned by Wells Fargo who is known for predatory lending practices (Links and Information. )

I am asking for help in stopping the practices by Homeq and that my credit report is cleared of all negative information, restoring my FICO score and the negation of my mortgage and being paid in full due to fraud. Just because I am lower-income, does not mean I am beneath anyone and deserve to be treated fairly.

Cynthia J Koehler
1119B Avenue NW
CedarRapids, Iowa 52405
Phone:[protected] Cell Phone: [protected]
Email: [protected]@aol.com

  • Ne
    New Ralph Hial Jul 04, 2007

    Dear Cindy Koehler,

    I wish there was a solution to this problem, but there isn't. There are two root causes here:

    1. You are an idiot and in real life, idiots get robbed, raped and killed with some regularity. For example, you had bonds in your home yet didn't secure them in a safe attached to a wall. No one can protect you when you are either too stupid or too trusting (and in today's predatory environment, being too trusting is... stupid).

    2. The people you deal with on a daily basis are out to hurt you. Drop them like bad habits. Get rid of all the family who are hurting you... yes, even that brain-damaged guy. Stop answering creditors. Stop arranging finances that you obviously don't understand. Etc.

    The truth is that you're going to lose your home from your stupidity, from your insistence on hanging around predators, and from not learning to avoid bad decisions after having made so many IN A ROW. The truth is that by the principle of #1 above, you're getting what you deserve since REALITY ITSELF does terrible and unstoppable things to stupid people like you.

    I really don't know why I bothered to reply to you. If you're as stupid as your testimonial indicates, nothing I've said will have any impact to you. You'll still hang around predators; you'll still answer phone calls from collectors (have you ever heard of Caller ID?); you'll still whine and cry about health problems (which no employer wants to deal with); and you're obviously concerned about your credit rating since you have every intention of buying (i.e. borrowing a lot of money for) another house. Chances are, you're hopeless.

    0 Votes
  • De
    Denise Jul 06, 2007
    This comment was posted by
    a verified customer
    Verified customer

    Still continue to charge me for an escrow account, when my interest and taxes are included in my mortgage payments, according to my mortgage deed. "

    Dear, when taxes and property insurance are included in your mortgage payments, they get deposited into an escrow account. That's just how it works. Nothing fishy is happening here.

    I'm ready to give your complaint the benefit of a doubt, but you are especially showing your ignorance in item #4 here, and it makes me wonder what else you may be ignorant about.

    What you need to do is get yourself a very basic financial education. Go to the library and find a book on personal finance. Your local library might also have a bulletin board with pointers towards local organizations that offer financial counseling and legal aid.

    Ranting like this on the Internet may make you feel better, but it's also going to attract a lot of trolls. I sure hope that isn't your real contact information at the bottom of your post. If it is, I suggest not hooking up with anyone who contacts you thru this post. What you've said so far identifies you as an easy mark to all the predators out there. Please go out and find someone IRL (In Real Life) to help you.

    0 Votes
  • Be
    Beth Randoff Aug 29, 2007
    This comment was posted by
    a verified customer
    Verified customer

    Dear Cindy Koehler,

    Ralph Hial the predator is either a total idiot his self OR like the lawyer he works for HomEq. Keep your focus on the solution not the problem, that will keep you strong.

    Beth.

    0 Votes
  • Iv
    ivette Sep 20, 2007
    This comment was posted by
    a verified customer
    Verified customer

    that ralph guy must be one of those fraud guys he is the idiot cindy just sue them all

    0 Votes
  • Li
    Lisa Hall Sep 30, 2007
    This comment was posted by
    a verified customer
    Verified customer

    apparently you are an a- hole Raulph. Are you related to Hitler. Homeq has a "F" rating at the BBB for their tactics. Don't you have any empathy for other people regardless of their IQ that get screwed with unethical tactics. I have been in business for a long time and know when your getting screwed. I also know that people that work for the company that has complaints against it regularly post comment such as yours to cover the illegal practices. If indeed you do work for Homeq and you must. You need to look for a new honest job, because you are going down just like Ameriquest. How do you live with yourself. You must be a psychopath. You just don't care. Go back to kindergarten dude. You need to know the basic rules of society.

    Wildcat

    0 Votes
  • An
    Anonymous Nov 28, 2007
    This comment was posted by
    a verified customer
    Verified customer

    If you need to voice your complaints and get something done, you must call the COO of the company. His number is listed below. I am in a situation with HomeQ where my home is going to foreclose because we are short $2800. They will not approve a shortage of $2800. So instead of getting 140,000 they want the full $142,800. We of course cannot come up with the money, so it will foreclosure. So please, do me a favor, call the piss out of this man and let him know just how you feel! Oh, and if you get his voicemail, press 0 then # to get his assistant. Good luck everyone!

    Keith Becker COO - HomeQ Servicing
    916-339-6134.

    Press 0# to get his assistant, she actually answers the phone.

    0 Votes
  • Fr
    fraud_checker Dec 18, 2007

    1. They canceled my home owner's insurance (which I had had since 1988) for $500/year and replaced it with a policy for $989/year and told me I couldn't have other insurance. (this is a practice called “forced insurance.

    HOMEQ CANT CANCEL INSURANCE, THEY ONLY PLACE INSURANCE AFTER YOUR INSURANCE CARRIER CANCELS IT, AND YOU CAN GET YOUR OWN AT ANYTIME AND FAX VERIFICATION TO HOMEQ.

    2. My payments were increased from $500 to $800/mo which violates my mortgage, without legal notification.

    YOUR PAYMENTS PROBABLY INCREASED TO PAY FOR THE INSURANCE THAT YOU GOT CANCELED BY YOU NOT PAYING YOUR PREMIUM.

    3. Payments have not been applied even though I have shown proof of payment of checks cleared through my bank. So I am being told I am behind and in breach, when I am not. It is now on my credit report and I have been accessed late fees. They have destroyed my credit by reporting late payments, which have been made.

    IF YOU DIDN'T MAKE A FULL PAYMENT, THEN IT WONT BE APPLIED AS A PAYMENT. IF YOU HAVE PROOF, WHY DON'T YOU FAX IT TO HOMEQ SO THEY CAN FIX IT?


    4. Still continue to charge me for an escrow account, when my interest and taxes are included in my mortgage payments, according to my mortgage deed.

    YEAH, OBVIOUSLY YOU DIDN'T READ YOUR CONTRACT BECAUSE YOUR PRINCIPAL AND INTEREST PAYMENT IS DIFFERENT THAN YOUR ESCROW PAYMENT, AND THE BASE PAYMENT YOU AGREE TO IS ONLY YOUR PRINCIPAL AND INTEREST PAYMENT


    5. I have been called a deadbeat and profane names by collectors even at 10:00 pm as well as “f—ing sh*t” and that because I am a low-life deadbeat, I do not deserve to be treated fairly and that they can do as they please and there's nothing I can do about the situation. I even sent Homeq a cease and desist letter and they still call.

    HOMEQ DOESN'T CALL AFTER 9PM, SINCE IT'S AGAINST THE LAW. IF A CEASE AND DESIST LETTER WAS RECEIVED THEN THEY CAN NOT LEGALLY CALL OR MAIL YOU. SO THEY PROBABLY DIDN'T RECEIVE IT AND YOU SHOULD SEND ANOTHER ONE

    6. An "attorney" called telling me that if I didn't make payment and if I reported them to anyone-I wouldn't have my home and job and I needed to pay in full by July 1st or face foreclosure. He wasn't an attorney but posing as one, which is illegal.

    DO YOU EVEN KNOW THAT WAS HOMEQ? YOU OBVIOUSLY DON'T.



    MAKE YOUR PAYMENTS AND HOMEQ WONT CALL. DON'T BE LATE AND YOUR CREDIT WON'T BE SCREWED UP. PAY YOUR TAXES AND YOUR INSURANCE AND YOUR PAYMENT WON'T GO UP DUE TO ESCROW. READ YOUR MORTGAGE CONTRACT BEFORE YOU SIGN IT AND THEN YOU DON'T GET INTO SITUATIONS YOU CAN'T CONTROL.

    NOW THAT MY COMMON SENSE CLASS IS OVER... if you did all of these things, would you have a problem with homeq?? No, you wouldn't. So quit blaming someone else for the problems you have caused yourself.

    0 Votes
  • Ch
    chris Mar 02, 2008
    This comment was posted by
    a verified customer
    Verified customer

    Ralph, Denise & Michelle - I pray everyday that we all get back 10 fold what we put out there.

    When you are in misery, think of me, praying for you - that you got back 10 fold what you put out there.

    WE ALL DESERVE TO GET BACK WHAT WE GIVE. ARE YOU READY FOR YOURS?

    0 Votes
  • Ne
    New Ralph Hial Jan 18, 2013

    Lisa Hall, there's little you said that was true, but what was true was pertinent: You can't cheat an honest person. Lots of people tried to get houses using cheap terms, and that was obviously going to end badly. Cindy Koehler did it, and that greatly indicates how dishonest she's being herself. Also, who actually checks the BBB before doing any business with companies listed therein? I've never seen people do it, but they sure as anything complain to the BBB after they've been defrauded. So what's the use of the BBB? There isn't one. Shut it down.

    My name is Ralph Hial, and I endorse my viewpoint.

    0 Votes

HomEq Servicing — In the top 5 worst companies!

Homeq has got to rate in the top, 5 worst companies. It is unfortunate that substandard companies are able to...