I recently called Homecomings Financial in need of support, they connected me to different employees; from the collection dept., to the refinancing dept., with no helpful result. I spoke with Mrs. Carrie, Mrs. Mel, Mrs. Mary Ann, Mr. David, Mr. Wilson, Melchionda Loan Officer and finally Mrs. Lakina from the legal dept. for a loan modification.

After a lengthy conversation, explaining my financial hardship and present circumstances the answer was, "Sell your home, we'll take the lost."

My advise to everyone: lets call our Attorney Generals Office, lets file a complaint and a class action lawsuit.

I'm in Sanford, FL. and my name is Bermudez.

Let the chips fall where they may, and in this case Homecomings house of cards will fall on them, I'm ready.

I submitted a bid for a foreclosed property in GA the agent broke his ethics code by not only telling me our bid was the highest but he also told me the buyers name. I am not only pissed but angry as well.. Be very weary of homecomings wrong doings.

I am almost positive it was the buddy system working and I think it was also illegal.

Homecomings had us 3 days from being vacated out of our home and they gave no notice of default, foreclosure, and never sent statements. We would have been without a home. We paid our mortgage in full in CASH and now they won't release our deed even though they agree to do so in writing. the home is ours paid in full and they are still playing games!! We were charged with erroneous fees (drive by inspections in excess of 6 per month) we were not notified of an increase in our rate but they sure took our money!

If anyone knows what can be done to obtain my deed which is rightfully mine now that I have paid them off, please respond. The people at Homecomings, and GMAC do not give a hoot about taking people's homes from them illegally. I am not quite sure how these people sleep at night.

About a year and a half ago, I had some family issue and fell behind one month with my mortgage payment. At that time I called and told them that I had a problem and was asking if they could put that payment in the back so it would not continue to show on my credit report as a late payment. Every time I call all they can tell me you need to cut back on you expenses. What expenses I ask? My expenses consist of necessity, food, utilities, and childcare (excluding cable, telephone and internet). I told them that I don't spend my money on anything expect the things I need. I don't have cable or any of that luxury. The rep then said you should put the property up for sale or call us back when you can make the payment. As I said I have been trying for over a year and my credit is ruined with late payments all because of that one month. Since that time, I have never missed a payment since.

I just cannot believe that they are so unwilling to help all they are interest in is collecting the money and really don't care about any situation that may prevent someone from making mortgage payment.

Over the past six months, my account has been systematically
forced into delinquency by the predatory servicing practices of
Homecomings Financial. These events are well documented and
plainly indicate a deliberate effort by Homecomings to expedite
the foreclosure of my home. CASE IN POINT:

My online account is routinely unavailable- usually on or around
my payment date- which prevents me from using their electronic
system. Billing information is inaccurate or out of date and any
attempt I make to bring my account current is counteracted by
such tactics as delaying or reversing payments, applying them
retroactively to cover those they've delayed or reversed and
refusing payments that would cure the default.

Also well documented are my repeated attempts to get assistance
through their fictitious Loss Mitigation process- a calculated series
of roadblocks erected to create a paper trail for the company while keeping me from recourse by making it appear as if I'm unresponsive to their contrived outreach efforts. CASE IN POINT:

They continually send letters requesting that I call to discuss my
options, schedule meetings or fax information but when I do, I'm
referred to someone who's on vacation, my call is dropped during
transfer, appointments are no longer available or my fax is never
received.

Their methods are transparent and though I find it unbelievable
that a company would victimize it's customers so ruthlessly, the
facts speak for themselves. There are hundreds of complaints on
the internet and in the courts from similarly situated individuals
who's experiences establish a pattern of abuse by Homecomings
that insures the company's profits at the expense of the borrower.

I have filed complaints with the FTC, the Attorney General, the BBB and various other regulatory agencies and I urge anyone who has, or suspects they have been victimized by this company to follow suit. I don't know if we can save our homes but perhaps we can prevent further harm by demanding that Homecomings take
responsibility for their devastating actions and address the situation appropriately.