I have had 2 mortgages with Provident Funding over the past 10 years. I have never been late. In fact I have never been late on ANY payment of any kind in my life! I mailed my 1/2010 mortgage payment on 1/7/2010. On the evening of 1/20/2010 I got a call from Provident Funding indicating that they had not received my payment. They tried to convince me to make a telephone payment right the and there. I told them I didn't feel confortable until I verified with my bank that the check had not cleared. I went to my bank the next morning and the check had not cleared. I put a stop payment on the check ($33.00 fee) and immediatly called Provident to update them. I told them I would issue a check or would make a phone payment. I also asked that they waive the late fee given the circumstances and assumed that they would waive the late fee given my history. OMG they acted like it was the most insane request they ever heard! I have never been treated with such rudeness and disrespect in my life. Well guess what? When I got home from work that day I had an e-mail indicating that they received my payment that day! I don't know why a bothered but I called them the next morning thinking that it would make a difference. Not! You know with so many folks struggleing with mortgage payments you would think that the folks that are lucky enough to to remain current would be treated better than that. My plan is to file a complaint with as many agencies as posssibe and to refinace elsewhere. Until then all of may payments will be sent by certifiend mail. I hope they end up with their ENTIRE portfolio consisting of defaulted loans! BTW I truly feel sorry for the folks that are behind because if they treat me like that I just can't imagine what it would be like to deal with them under those circumstances.

They have the worst Customer Service Rep I have ever dealt with in almost 20 years. I'm actually considering refinancing my mortgage with another company just so I don't have to deal with them ever again!!!

Making a very long story short, they lost my check for $6200 for insurance claim check from my insurance company for over 6 weeks (and counting). I mentioning numerous time I don't live at the property and the check needs to be sent to my new address. They neglected to update my mailing address. When I called first time they claimed check was sent out, second time I called they suggested it might have been sent out to the wrong address, which I called my tenants and verified that check was not received at the property nor at my mailing address. I called back the third time and asked if they can cancel the check and issue a new check. The rep told me they can not cancel a unclaimed check until 30 day has past the issue date and to call back a week later. When I called back on the day I was asked to do, my call was answered by Stacey, almost sounded like same rep from a week before but not sure. Anyway, Stacey tells me that they can't not re-issue the check since they never issue the check in the first place. What? She told me to call my insurance company directly and request another check. That I have to start the process all over again? At this point I am fuming and yelling over the phone and I couldn't believe anything I was told. I asked her how was I going believe my next check will not get lost again and that she is giving me correct information this time. I've been give wrong information by last three service reps on three different issues. She blamed me for not notifying them of change of address, which I only mentioned during 3 separate phone calls and written on my insurance claim paper as I was told to do. I requested to talk to her supervisor and she claims that she was the customer service manager. Explained some what why their department is run so poorly.

Now I'm back to requesting another check from my insurance company and start the process all over again. I have a contractor lined up to fix the property and was just waiting on the check to start the work. I'm thankful that I didn't have the work done already. I would have been out six grand for who knows how long. Throughout the numerous phone calls, they never apologies for loosing my check or took responsibility for their incompetence. I bet they would have been happy to slap on a hefty late charges if I misplaced a check sent out to them.

I have credit scores above 76o, high balances in my bank accounts, and more than enough income to qualify for the purchase transaction that this bank had approved. The appraiser was hired by the bank and the property was listed as a duplex but the appraiser thought it would be better to call it Single Family Residence + a legal in-law unit. The bank reviewed the appraisal 2 weeks prior to the loan documents being drawn and decided the appraisal and the property were OK as long as we fixed a broken window. We fixed the window and the loan was 100% approved. We signed loan papers and had a private pilot courier the loan documents to the title company so that the loan would be able to fund within 2 days. The lender decided to review the appraisal again and let the documents expire and after 8 business days Provident Funding has not funded the loan. They have given no indication of the funding status except to say that it is in review. The seller is threatening to cancel our transaction and go with another buyer.<br />
This Bank cannot be trusted.

Provident's customer service is absolutely terrible. They claimed I didn't set up my automatic payments correctly and charged me a $25 late fee when the payment didn't go through. Then they didn't notify me of the payment issue until it was nearly too late to pay my payment on time! If I hadn't contacted them, I wouldn't have known there were problems processing the payment until AFTER my payment was due - resulting in ANOTHER late fee. When I called to find out why this happened ALL FOUR of the people I spoke with were horribly rude to me. They are terrible. I'm filing a complaint with the BBB. DON'T USE THIS LENDER!

DEAR SIR.
I HAVE AN EXISTING MORTAGE WITH PROVIDENT FUNDING IN BURLINGAME CA
FIVE MONTHS AGO WE HAD RE FIANCE OUR MORTAGE (OR SO WE THOUGHT) WE AND HAD ALL THE PAPER WORK DONE AND SENT OUT. ALL THE CHECKSWERE ALSO SENT OUT SINCE THEN WE HAVE RECIVED THE RUN AROUND, WE ARE PASSED FROM PERSON TO PERSON
NOONE SEEMS TO KNOW WHAT ANYONE IS DOING, NO ONE RETURNS CALLS OR E MAILS WE HAVE EVEN WRITTEN LETTERS
CAN YOU PLEASE HELP ME ANTHONY PELELLA