It took 4 months and many errors and mis-filed paper work on their end to start automatic mortgage payments. Their mistakes led to several headaches with us, our checking account and our finances. Then, after refinancing with a different bank, they continued to Automatically withdraw mortgage payments from my account and then refund my account. I finally had to place a permanent block in my checking account so that they can never withdraw. So much wasted time. now I'm just typing because this review has to be a minimum of 100 words. SO MUCH WASTED TIME HERE AS WELL. So frustrating.

Like many others my loans was transferred from Chase to IBM. I am not requesting any type of modification nor am I having difficulty making my payments. I am however trying to refinance my home with a different lender to take advantage of the lower interest rates.

IBM failed to report my loan to the credit bureaus for three months, as a "customer courtesy" which prevented me from qualifying for the re-fi program offered through fannie mae. When I called them and requested they report early, I was advised that it could not be done due to company policy. Once they did start reporting, they did so inaccurately. They failed to report that my loan is owned by fannie mae, again disqualifying me from the program for which I have applied.

I called to simply request a written statement on their letterhead verifying that the loan is owned by fannie mae. After 35 minutes on hold I was told I would have to submit my request in writing to the processing department and that it would take up to 60 days for them to respond.

I explained that I am pregnant and that I need to complete my refi process before I go out on pregnancy disability but no one seemed to care. In addition to all of the emotional stress caused by dealing with the inept employees of this company, I believe IBM is purposely preventing me from refinancing with another lender so they can continue to collect the interest on my loan.

I did not choose to work with this company! Every contact I have had with them has been completely negative. They do not care about their customers and are so bound by excuses that they do not serve their customers needs at all!

My First Horizon mortgage has been sold twice.

MetLife never called me to ask "where is your payment?" MetLife never called to "introduce" themselves. MetLife never called to *not" leave a message on my voicemail. And MetLife never called on a holiday weekend to "remind" me that they have yet to receive my mortgage payment.

On Monday, Sept 6, at about 9 am, IBM Lender Services called me. I pointed out that this was Labor Day, that it was a federal holiday, and that I was on vaction. The young man persisted. "Did you mail us your check?"

This is Sept 6. On Sept 15 it would be late. That's a week away. I am on vacation.

"We haven't received your check yet."

And you won't get it today because there is no mail delivery today. It is a national holiday. And yesterday was Sunday (newsflash: no mail delivered then, either).

"We just wanted to make sure that you knew you need to make a payment."

This may be my first mortgage, but it is all of three years and four months old. I am already ten years ahead on the payments. I am not an ***; I know that I am to make a payment every month.

In August, when the young lady called to ask if the check had cleared my bank, I pointed out that there was no way I could find that out unless I was home at my computer. Which I wasn't.

"You might want to look into it, as we haven't received it yet."

I suggested that perhaps IBM Lender Services has too many employees, if they can afford to have a phone bank that does nothing except call borrowers and perturb them.

Hope they sell my mortgage to a nice, competent company very soon.

This company receives mortgage payments, takes 20+ days to process and post them to the account, then charges a late fee to their consumers. So if you make payment on the 1st of the month, they get it on the 3rd at the latest, then they take 20 (more more) days to post it. So next month, you get a statement and there is a late fee on it for a payment you made on the 1st. This is deceitful and unfair! My mortgage was purchased from Chase in 2010 and I have had nothing but headaches with IBM Lender ever since. Wondering if anyone else is having these problems?