Green Tree Servicing- Warning!
My last post complained about Green Tree Servicing. Since they charge $12.00 for one- time online mortgage payments, I thought I'd see if I could make a payment without charge through their 1-800 number. Nope. They charge $12.00 there, too. Not only that, but their automated menu gave no option to speak to a representative.
So I go back to their web site. In a final attempt to make a payment I tried to enroll in their "Auto pay" deal where your payment is automatically taken from your bank account. Luckily, I'm thinking, that wouldn't work.
I'm pissed so do a search to see if anybody else has had the same problems. I found this page right away. It seems he was making his payments within the window allowed and they called him and harassed him, anyway. Not only him, but reading the comments at the bottom, a number of folks are having the exact same problem I am. A few also got switched from GMAC. This is probably just the tip of the iceberg.
Stay away from Green Tree Services, if at all possible. All the folks I've been reading about had no choice as their mortgages were also sold to Green Tree. If this gets too out of hand I may have to refinance my house through another lending institution.
I suppose it's still early but, from the looks of this, It would be best if the feds would just shut down Green Tree and make them sell their mortgages to more legitimate businesses.
posted by Fred Mangels @ 10:18 AM
3 comments
3 Comments:
"Henchman Of Justice" says,
Fred, your having a hella time trying to save money (your wealth). This is the scam that business has devolved into.
HOJ has the same frustrations with business too.
Two months ago, North Valley Bank switched-out their ATM in McKinleyville to an updated unit with "touch-screen" features. Sure enough, the bank did not put "operation instructions for the NEW AND UPDATED ATM" to help aid it's customers who were used to the older unit and the former processes associated with the older unit.
The problem was that the "functions" to operate the new unit were vastly DIFFERENT than the old unit. The touch-screen feature is good (imo), but the order of choices had changed, deposit envelopes were inside the unit (not outside like before), the options were re-arranged differently, and there were technological gliches and snafus that occured. It eneded up that during a deposit of mine, the deposit went into the wrong account. It was not "user error" because the correct account was selected and the account "highlited" when HOJ touched the touch screen account number. Then, the next month and a half was all about "forcing the bank" to return fees into my account for 2 NSF's and 1 paid check fee (nearly $100 total). HOJ still has one more charge from a business to haggle-out with the bank (but HOJ needed a hard copy printout showing the transfer back into the account the erronious charges based upon a "flawed atm, again due to technological software gliches and snafus). Just imagine how much money (stolen wealth) banks make-off with due to their errors and then their lack of good faith. Worse was the bitchy attitude by the supervisor on the hook for having to reverse the charges. Hard to imagine how much conflict (if any) will result from the last charge needing to be credited to the account.
Another pisser business scam is Staples. When a customer purchases a product in the store, the customer is being forced to OVERPAY in exchange for credits and discounts based upon the amount of the original purchase of any given product. Then, in the mail, the customer who was forced to OVERPAY, receives a coupon for a discount if so much money is spent on the next purchase.
The problem, aside from consumer fraud and forced price gouging, is that the "original purchase" (in-store) that created the discount is not tied to the discount based upon another in-store purchase; rather, to use the discount, the original purchaser in-store is only allowed to redeem the discount or credit through ONLINE Purchases. So effectively, the business bifurcated the wealth of the original customer between in-store sales and online purchases. (If a customer only shops in person at the store, what the hell is an online only credit/discount gonna do besides raise the tax base and profit base for anyone NOT THE ORIGINAL PURCHASER)
Again, government don't give a rats ass because the government gets higher tax returns and collections on more money stolen from the consumer.
In fact, Consumer Affairs in California ain't worth Jack Shit because it is a "front" to cover over higher societal costs based upon consumer frauds, even though the fact of having an agency is just for show and really to pull faces and a fleece of wool over the eyes of the victim class and naive types!
America is going down partly because consumers are understanding these frauds through the losses of their wealth and the mechanisms that are used so unfaithfully by businesses to keep business going at the expense and deriment of the consumer class.
When business devolves to tactics and games like this, one has to understand that America is not in "good standing". - HOJ
I think it's a bit over the top to suggest all businesses are ripping us off. Maybe some, and banks pretty much seem to get away with a lot.
I've only had one thing close to a problem with Provident C.U. That was many years ago and could have been fixed had I noticed it the time it occurred.
I made a payment on my credit card balance at the beginning of the month. Three weeks later I get a delinquent payment notice. Turned out I didn't make the payment inside the proper time frame. I made another payment and figured that was end of problem.
Months later I notice the great interest rate I was getting had gone way up (8% to 14.4%). I checked into it and they said they raised the interest rate because of my late payment months earlier.
I explained that I'd made the payment on time, just not in the right time frame. The manager said there wasn't anything she could do about it now, since so much time had passed, but if I'd brought it up earlier they could have fixed it.
Still paying that higher rate, but it's not as high as many credit cards.
As far as Staples goes, don't know if they changed their policy since then, but years ago they wouldn't give refunds. They'd just let you replace your item with something else in the store of same value.
That pissed me off as I got my first joystick there and it didn't work. They wouldn't refund my money.
Not long after I got burned at Staples again. Saw in the paper that I could get a LS120 drive for around $50.00 after a rebate. I ran right down to get one but they said I needed a rebate coupon. They didn't have any at the store so the guy had one faxed up from the Ukiah store.
Got the LS120 drive, sent the coupon in and waited for my $50.00 rebate. Get a letter in the mail a week or so later saying they only accepted original rebate coupons, not copies.
I got burned on that and, to add insult to injury, I found out my computer wouldn't support an LS120 drive, anyway, so the whole thing was a waste of time and money.
"Henchman Of Justice" says
Fred, not aying all, but am saying over 50%, somewhere up to 75%. The bigger businesses do it the most, but small business owners are tending in that direction more and more. As a business owner, HOJ sees it very often and feels it in the pocket book.
Also, if it ain't business, then it is public agencies and its higher brass making decisions that hurt through increasing the cost basis. It is the America we now all live in, so not to disagree, but more businesses are stretched thin, and when stretched thin, guess who pays for the floatation device....the consumers.
You make a point on interest rates going up on late payments and such; well, on the flip side where business means no harm, but gets slammed, is unemployment insurance. Think about how the California economy sucks ass for a moment. It is not the businesses fault in most situations, but for all intents and purposes, the businesses get screwed by the State when they must let employees go because there is no work to employ the workforce. It is wrong for businesses to get gouged by the State for economic factors having more to do with the State than the business, but when the business rehires and must pay a higher Unemployment Insurance rate due to the previous lay-offs, more money is collected from the consumers to pay for the businesses higher insurance rates; AND, that money goes to the State.
IOW, there exists a scam of all scams by the State to screw the economy over so as to "kick-in" those higher rates (forms of a penalty) that businesses should not be paying. Of course, enough former employees work the system for everything they can ween from it. So, businesses get screwed double time for those situations.
Round Table, compared to Staples, was cool on Super Bowl Sunday when getting two pizzas and forgot the coupon. Round Table honored it anyways, and thus, earned repeated business. Sometimes, businesses can be over-burdensome, and sometimes businesses can be very consumer friendly. Often, it just depends upon who is working and whether they are "good people". - HOJ
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