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Greentree's troubled portfolio of mobile-home loans was sold to Conseco a few years ago, leading to the third-largest bankruptcy in U.S. history. Conseco has rid itself of Greentree as part of the bankruptcy proceeding, leaving customers in a fog, as these consumer reports show.
Melinda of Sturgis MI (05/14/08)
This customer svce rep is very rude. MY mother has had medical issues, so, I have been out of work taking care of her and have explained that I will be sending payments, he calls and is beyond RUDE- telling me I have nothing to do but call him NOW then he calls and leaves messages with the context of HE has been more than paitent, his paitence has wore off.
First off, who trains these people for CSR skills, 2nd off, would you return calls to someone who is rude? I have been made payments for over 9 years to this company and am late w./ 1 payment and this is how a CUSTOMER is treated??? Someone needs to review their customer skills before they are placed in a position of sort.
Brent of Spring TX (05/09/08)
I purchased a Home through Green Tree in 1999 paid on it for two years after breaking my back i had to move out of the house which was 43,000 less the 8000 trade in and twenty four months of of payments at 500.00 each. Now 2008 I'm trying to buy a house and Green Tree has a judgement on my credit for 51,000 after reposessing the house and selling it. This sucks
Angela of Baton Rouge LA (05/09/08)
I was in foreclosure due to breaking my leg, 3 surgeries and losing my job when my FMLA ran out. My finance company Ocwen worked out a forebearance plan for me and on 4/1/08 I paid the 3 months payment and then I was supposed to be on a 90 day probation period after which once I paid those next 2 payments my loan would be current and my rate would be fixed at 7%.
Well once I sent them the payment, they sold my loan to Greentree. Now I'm thinking this is ok, and I will make my first payment on May 1, 2008 to Greentree. I get a phone call on April 30th from George at Greentree telling me that I need to move out because they are foreclosing on me. I was in a panic of course. I had just moved back into my house and now what... I immediately sent him the paperwork and proof of payment from 4/1/08 showing the agreement with Ocwen and what the plan was.
Now he will not return my phone calls and I don't know where to send my money for my housenote so I'll end up getting behind with them. He told me when he called me that he wasn't trying to play hardball with me, but they didn't have to agree to the agreement that Ocwen made with me. I called a Real Estate attorney friend of mine and he said that yes they do have to agree to what the previous arrangement was and that Ocwen had sold the loan with that agreement in place.
My problem now is I can't get anyone at Greentree to help me, when I do get someone else there they tell me that I have to talk to George and they put me through to his voicemail and accidently hang up on me. I finally managed to get his direct line and have left several messages asking him to call me back, but it has been 10 days now and no word from him.
I am in fear of losing my house and I don't feel like there is anything I can do about it. I don't want to just send money to Greentree until I first know where to send it and second if they are in agreement with the arrangements made by Ocwen. I feel like they are just trying to take my house and my land since it is in an area of our town that is growing fast.
David of Riverton WY (05/08/08)
We had purchased the home in Oct. 2001 in the last five years we have tried to sell it. My contract which my husband and I have signed, stated that we could sell it and let an interested party assume the loan. When calling Greentree they said we can't do it.When asking to refinance it to lower the mortage payment we were told we couldn't do that either so here we are still paying 15% interest. It's no wonder Greentree is financally screwed.
At this point we are really considering talking to an attorney and see if we can get Greentree for breach of contract. Because we could have sold our single wide on three different occassions, so my husband and I could have either bought or build or dream home. Thanks to greentree that will more than likely never happen.So to anyone asking about greentree it's will do you good to run the other way...
Norman of Lake City FL (05/07/08)
Green Tree is one of the most secretive and scary outfits that you will ever have the misfortune to deal with. They use PO Boxes, out in the middle of nowhere, for contact addresses and the only physical address even looks bogus as it starts off with the term Mailstop? My first dealings with Green Tree were after my brother had his first debilitating stroke and I had to manage some of his affairs. I had filed an insurance claim and these Green Tree people did everything they could to make things hard in having the storm damaged roof repaired. It took months and even at the final moment, Green Tree tried to get Roger to return some of the Insurance money..
The contractor that did the repairs never got his complete pay off with this company and just gave up, took the loss, and left. The final insult came when 2 months after receiving a certified copy of Rogers death; they send a bill for the next months trailer payment. Even billing him for the credit life? premium of $1.10 Is this creepy or not?
There were months of rain damage to Roger's trailer home from this companies delaying practices. If something is not done soon Green Tree will be able to get full payment for this trailer and then resale it to another poor luckless soul on a 20 year mortgage. Green Tree owns the insurance company so it can manage things in their own secretive way..
Melissa of Montevallo AL (05/06/08)
He and his manager are he ruddest people I have ever had to deal with, It has gotton to the point where I don't want to answer the phone, he has threathen me telling me to put my stuff out side that there were coming ot get my trailer, they constanlty call my parents telling them the same thing, I don't take being treated like that very likely, there is a way to get you point across nicley, NOY yelling and screaming and threating.
The constant harrisment being yelled at and threated treated like a small child.
Beth of Jasper AL (05/05/08)
In August 1994 I assumed the equity on a mobile home loan from another individual. The only documentation that I have signed clearly states that I signed a variable rate loan for the term of 205 months. It states the variable interest rate could be between 7/75-11.75 capped out. The amount financed was $44,000. It can only fluctuate 2 % per year. Seeing as how I only have about 3 years to go I recently called to get a payoff just to inquire. Greentree says the principal balance is almost $21,000 which is impossible to pay off in 3 more years. I should make the last payment according to my legal documents on August 14, 2011. Greentree claims I signed a loan term of 20 years (240) payments which I have no such documentation.
They referred me to a supervisor in Customer Service named Patty. She tried to give me 2 options. 1- Pay off the loan in 2013 which would be 20 years or pay it off in 2011 and increase my current payment for the rest of the term by at least $150.00/month. Neither option is suitable to me since I never signed a legal document stating a term of 240 months. I have been to see my attorney and have his advice. I would appreciate any advice I could receive.
It clearly seems to me that they would be in breach of contract, however this is going to be a big ordeal for me if they don't see it that way, as well as an expense. It seems like they are hoping I am un knowledgeable regarding the terms of contractual law and hoping that I will just give in and pay. This concerns me as to who else may have been put in this situation and didn't have the resources to assist them. This could hurt my credit rating at the end of the terms of this loan. I am wondering if there is any protection a consumer could receive under the law when dealing with such an issue?
There is no consequence yet, but there will be if GreenTree Mortgage doesn't agree to give me a full satisfaction note at the end of my contract after I meet all said obligations.
Amy of Leitchfield KY (04/24/08)
We bought our mobile home in 1998 and were financed through Green Point. Then a few years later our loan was taken over by Green Tree. We have never had any major problems until August 2007. I was pregnant and went into premature labor with my daughter being born 2 months early. Due to the unexpected happening and me being off work before planned our payments got behind. My daughter came home Sept. 12, 2007 after being in the hospital a month. A few days after she came home I recieved a call from Janie with Green Tree. I tried to explain our situation. You can forget any sympathy from this company! She started yelling at me so I hung up. She called right back and my husband took the call.She threatened my family stating It's going to be really bad when I have to throw your newborn on the street and take your home My parent's borrowed money to help us get back on our feet.
When I made the payment by phone I asked to speak to her supervisor and was put through to Jeff. He took my payment and I explained that I did not want to deal with Janie and her threats anymore. He explained that Janie was over my loan but in the future should I ever have problems to call and ask for Jeff. We did our best to stay on time and then my husband lost his job in January 2008 and again we were behind. Again Janie called me yelling at me at home. I politely told her I was not going to talk to her as long as she spoke to me that way and hung up the phone. A few days later I recieved a letter in the mail telling me that my name was on the loan and I was required to discuss my account whenever it was necessary to.
At that time I tried to call Jeff but when you dial and enter the account number it automatically rang to Janie's desk. I asked to speak to Jeff and was advised that anything I needed she would help me with. I asked again to speak with Jeff and she refused to transfer the call so I hung up. My husband went back to work in March, but to this day (4-24-08) my account is still behind with payments. Janie was calling my home so much that my husband and I soon learned all numbers that she would call from, some of them were even cell numbers. She would call starting at 7:30 in the morning and called repeatedly around the clock up into the night. We just quit answering the phone when we would see it was her. She has called my parents and threated them and made false accusations. She has called me at work and when asked to leave a message because I was with a patient, made threats to my co-workers, and just recently she has called businesses next door and disturbed them trying to talk to me.
Several times I have contacted Green Tree and have asked to speak to Jeff, but am never allowed to. There should be some kind of law against creditors being so harassing. There needs to be a stop put to this Janie person. When we bought our home we were told that our land would be tied into the contract. To do this all wheels, axles, and hitch would be removed in order for it legally to be tied to the ground. These features are still attached to my mobile home. Now I can't help but wonder about the letters I am getting regarding possible foreclosure. If my home is not tied down properly to the land, I feel that my land is free and clear if they should decide to take the home.
Feelings have been hurt of myself, my parents, and my co-workers due to the continous harassment.
Samantha of Clyde TX (04/15/08)
My husband and I bought a Mobile Home in 1999. We bought it on a 15 year note. We have paid it off in less then 10. Never had a problem with them until he lost his job and we fell behind in payments. Letters, phone calls and threats. I finally called and asked how much we owe on the Mobile. Well, we only owed $568.00. That was all. They wanted to Foreclose on it and come and get it. Well, we paid it, $568.00 in January 2008. And they said I should expect my Title in 30 days. 30 Days later I received a letter saying I owe another $270.00 and then I can get my Title. I called them and they said it was Lawyer fees. I couldn't pay it until I got my Taxes. So, I told them I would call next month and pay it.
Well, the calls started up again, letters too. But they can't take the home so just threating nothing really. Well, I called back March 2008 to pay the $270.00. And they tell me I now owe $1200.00 in Lawyer fee's and I won't get my Title till I pay it. I refused to pay it!!! I have asked them twice to send me documents, something showing exactly what I owe and why I owe it. Which Lawyer I owe this too. And twice they say they sent it out and I haven't received anything from them on what I owe. Still no Title. And I haven't heard anything from them since I asked for the papers. So here I sit in a house that's all mine but I can't prove it. And now it's April, and I am afraid I owe like $2,000.00. They said that it won't go over $1200.00. I paid it off in Jan 08. How can I owe interest for Jan, Feb and March??
William of Las Vegas NV (03/17/08)
I have received my monthly bill from Greentree, PO Box 6172, Rapid City, SD 57709, for my mortgage payment on a mobile home. The statement says that my last month's payment broke down as: $609.18 to interest; $0.07 to principal. I have been paying on this loan for 8 years spending over $58,000 in payments; and, in that time, the principal has dropped less than $1,000.
I believe this must be, at best, border-line legal if not outright illegal. I would like to see this company investigated to see if they are deceiving or stealing from people. I am about to just walk away from this and say
who cares?" with credit ratings, since obviously I am spending a large part of my income and getting nowhere.
T. of Selma AL (03/17/08)
I understand everyone's problem written on the page--especially when it comes to harassing phone calls. We purchased our mobile almost 10 years ago, and GreenTree wasn't the original company that financed our mobile. Our account was sold to them by GreenPoint Credit, and every since we been with Greentree, it's been a nightmare. Our payment is due on the 1st of each month. We usually send in our payment plus several dollars more around the 4th, 5th, or 6th of each month, and they will start calling on the 2nd day of each month every day, starting at 8 o'clock in the morning and even on Sundays.
Each month they will send the next month's bill out with a past due amount on it, and when we contact them about it, they always say they haven't received our payment. We knew when we received that letter from our past company stating our account had been sold to these people it would be trouble because we knew others who already had an account with them, and we considered ourselves blessed for not having our account with them. But the devil is always on his job.
Their interest rate is ridiculous. Each month you send in a payment, the majority of the payment goes to interest and only a few dollars is applied toward principal. They need to be investigated, for sure.
Martha of Rhome TX (03/17/08)
We filed a claim to our insurance company for damages due to a storm. We submitted the insurance check to Greentree as instructed by the insurance company, to mail Green Tree the insurance check to have Greentree endorse the check and return it to us to cash so we could pay off the loan we took out at the bank to pay for the damages we incurred per that check. When Greentree received the check, they cashed it and applied it to our loan stating they never saw the letter that was attached to the check asking for their endorsement only and return the check to us. I have tried many attempts to receive the insurance check or money from the check that they cashed, but they refuse to send it to us after yelling at me on the phone. I was able to receive a copy of the front and back of the insurance check to prove that our signatures are not endorsed on the back of the check as required. I have paid over $500.00 in interest fees at the bank on this loan, which I ended up having to cash in my CD to pay down the loan.
We have the work completed and faxed a paid receipt to the insurance company, and the insurance company faxed a copy to Greentree per their request. Now, they are requiring me to fill out a W-9 for money that I have not received and an inspection of our house. I do not feel that I deserve the treatment that I have received from Greentree. My contract does not state that Greentree has the right to keep our insurance check for any reason. I have read it several times. I do not understand why they are not giving us our money since we aready paid for the work and proved it with a paid receipt. What if we needed the insurance money to pay for the repair up front because we did not have the money or access to borrowing the money? I do not feel Greentree has the right to enter my home for any type of inspections. The insurance check was for one repair and one repair only, provided with a paid receipt. We could not wait on the insurance company to come out and make an adjustment and pay for the damages. We were out quite a bit more money on damages that the insurance company did not pay. We had to pay for this money from our savings account. We tried to get help from FEMA, but they wouldn't accept our application after telling us we had to submit a claim to our insurance company first, to see what they would pay before they would help us.
I have all ready paid $548.00 in interest payments to the bank on the insurance check we did not receive. I also had to cash in my CD to pay most of this loan to reduce my interest payments since Greentree refuses to send us our money.
Joyce of Huntsville TX (03/16/08)
My daughter bought a Mobil Home, I was going to be the co/signer but come to find out it is in my name. I never signed any of the paper work but it has my name on it. It also has my husband's name on it too. I'm not sure who was the first Mortgage Co. was, but Greentree took it over. I get phone calls all the time and I tell them to call my daughter but they wont.
There is trouble between my daughter and myself. I don't like answering the phone anymore because it might be them and I don't like being yelled at.
Julie of Piney Flats TN (03/10/08)
We did a check over the phone for our monthly house payment. We got our conformation letter in the mail which was $130.00 more than our regular payment. When my husband contacted them, Green Tree tried to say we did not have house insurance when we have had the same house insurance for 11 years set up on bank draft! When my husband faxed over proof of insurance, Trina verified that our normal payment would be all they would draft. DID NOT HAPPEN. They took the extra on top of our regular payment and we were in the negative $354.00 .
Trina said she would get this refunded back to us in 72 hours. Then she calls my husband and says her supervisor denied our refund request and that my husband authorized the extra money to be applied to next month's house payment! How crazy is that? We have never in the 11 years authorized no more than one regular payment. Now my entire pay check from work was used for NSF fees and we are now about to go in to the negative again from not having any money from the NSF charges. I don't know what to do, this is the worst company. This 11 years has been a nightmare. I would rather them come and get the double wide then to have to keep dealing with these people.
$354.00 in the negative, two checks returned by our bank. My daughter had surgery in the middle of all this and did not have the money to fill a prescription because of this mess.
Harold of Jacksonville FL (02/27/08)
My daughter, Susan, and I financed a mobile home and property along with it for $81,975 by Conseco with me as cosigner. My daughter was not taking care of the payments like she should so gave a release to Conseco to sell the above. It was purchased on 01/31/2003 and a Warranty in Lieu of Foreclosure was done with Conseco and the buyer for $81,975.61 releasing us of all debt on the loan. In 03/07/2005 we get a letter wanting payment of $33,845.01 from a Tate and Kirlin. I sent them all the info which was the Warranty info and also Clay county court records of it being recorded with Conseco as one listed. I didn't hear from them anymore until I got a demand again from RMB in 2005 and did the same thing, sending all the info on the sale and didn't know what they were referring to.
The next thing I got a demand again from RMB on 03/01/07. I had originally started a Collection Harassment suit along with other attachments on 10/20/05 with Morgan and Morgan here but couldn't pursue it because of heart problems. On 02/01/07 I told them to cancel it as haven't heard from anyone anymore. My credit report shows from Experian it was cleared after I sent them the info but still they persist in baggering us. That is the only dealings I have had with Conseco/Raintree and have never received a statement of what they are trying to collect. There is a lot more to this complaint but that is the crux of it..
This is causing us loss of sleep and doesn't help my heart condition and aggravation.
Judi of Oklahoma City OK (02/24/08)
I bought my mobile home in April 1992. Things went very well up until 2000. I got hurt at work, I continued to make my payments on time. I was finally released to return to work but, the company had laid me off. Then 9/11 happened and jobs were harder to find in my field. Although I continued to looked, I had to use my 401K retirement money to survive. I had to do what I had to do and kept paying my payments. Then my Mother died and I went into shock. I couldn't think straight. I couldn't remember where I put things, much less remember if I sent off my payments. I tried getting help from different directions, including medical help to no avail. During this time I called Greentree and relayed what was going on and that I guess I will have to sell my home as quickly as possible and this way my loan would be all paid. They laughed and said they wanted my payment now.
Out of desperation I went out of state to work. On my way home I fell and broke my right elbow. Ended up having to have surgery to insert a pin to replace a piece of bone. Here I went again trying to correct my problem. I listed my home, received a small portion of Social Security Disability that I was entitled to. I called Greentree once again to get the $ amount to bring me current and in turn I was going to wire the money that day. I was told that Foreclosure proceedures were already being layed out and that it was too late to fix the problem. One Greentree employee even told me that I should not have signed the loan papers if I wasn't going to be able to fullfill the loan. I ended up losing my home to Greentree through foreclosure.
I returned the following day to collect the rest of the items I was not able to take with me the day before. Someone had broken into the home and stole many things including the food in the frig and freezer, lawn furniture, plants and more. Greentree was to secure my possesions for a total of 15 days after the foreclosure day. When in fact they left a hole in the back door where they removed the deadbolt. The police would not make a report. And Greentree just laughed. I have not heard from Greentree so I guess they sold my mobile home for a couple of thousand dollars to the park owner. It was not sold like the CA Foreclosure Law says it should be done. I should have been paid something. I paid on my home for 14 yrs. There was only a couple of years left until the loan was paid. Am I out of luck? Do I just let this be?
Foreclosure of my Mobile Home and ended moving out of state
Teri of Phoenix, AZ (02/22/08)
I had a friend who had mobile home loan with Greentree. They lost their job so with the okay from Greentree I took over their loan. After six months paying their high rate I was told to move out.
Susan of Avon NY (02/20/08)
I have just had the happy occasion to pay off my mortgage with Greentree. The pay-off amount was good for ten days. (The price of the pay off was $500 more than what was on my statement that I owed). I immediately sent out the payment in the mail. Seven days later I received a notice saying that in order to fully pay off the amount, I need an additional $400. This pay-off is within the specified time frame, as I am writing this letter before the time frame is even up. I have contacted them, and now suddenly the additional amount of pay-off has gone up 10 more dollars. What kind of business is this when they have cashed the cashier checks to pay off the mortgage immediately, do not live up to their specified time frames of the pay off time limit, and up the price of the pay off to the tune of $900? The pay off was supposedly paid in full with additional funds to add to their purse (hence the additional $400).
Has anyone encountered the same thing, or how do you stop the roller coaster? I thought when you are paid in full it means exactly that! I can foresee never finishing the pay-off with additional add-ons or omissions as they so call it on the voice mail on the phone. Please help!
Deborah of Deming NM (02/11/08)
Greentree Services calls my cell phone, sometimes leaving messages in Spanish, sometimes in person. The person they want is Alberto Gonzales. I do not know this person, his family, or anyone by that name. I do not speak Spanish, and do not and have never dealt with Greentree Services. I have explained this to several people, who assure me the calls will cease. Then they start again!
I am old, retired, and do not owe any debts. I find this extremely frightening to be harassed in this way, and not be able to make it stop!
Sheila of Cary NC (02/10/08)
I got one of those 30-year trailer mortgages and realized (too late) what a bad idea it was. I tried to get it refinanced to a shorter term, and they informed me that they don't refinance! Now, what kind of nonsense is that, if they don't want to be stuck with a bunch of bad 30-year loans?
I'll be paying on my trailer long after it is worthless.... Fortunately for them, I'm a conscientious person and won't default.
Cheryl of Lake Charles LA (02/09/08)
I originally had my mortgage with a company who sold it to Greentree. I have had nothing but trouble. I am currently caught up but have been late in the past. They have harassed me at work, home, called my folks, called my daughter, and even called my friends--harassing them. They have threatened to foreclose, and then someone would call saying they are coming to inspect the home and again would harass me. At the time, I got an adjustable interest rate with the understanding that I could pay a small fee and change it to a fixed interest rate. When I tried to do this, I was refused by Greentree to honor what was in my contract. Now my mortgage payment has doubled, and I'm almost at a point I can no longer afford the payments. I am not sure what else I can do....
Suzanna of Lyons GA (02/05/08)
I do not owe GreenTree any money. I have never had a loan with them. They call my house and harass me to give a message to a family member who does have a loan with them. They also call and bother me about getting a message to my neighbors about their loan. I don't even know these neighbors. I have told them repeatedly that I will not deliver messages and to stop calling me. They are always rude and ugly to me, they hang up on me when I tell them to stop calling. They say they will not call again, but always do. I don't owe these people anything!
I contacted the Better Business Bureau and was told that they would make a note of it. I have decided that turnabout is fair play. The biggest jerk at Greentree that I have dealt with is Mark. He left his number and extension on my answering machine. So, I call HIM every now and then to tell him that he is a jerk and then hang up on him. I called and spoke with someone who claimed to be his supervisor to complain about him and she was rude and wanted me to deliver a message also. I told her to send me a check for $100.00 and when it cleared I would deliver the message. So far, they haven't called back, but it has only been a few weeks.
Barbara of Sabattus ME (02/02/08)
I have had a mobile home loan since 2000. It has been bought-out three times since then, and I now have Green Tree as my mortgage holder. Up until late 2005 I had never been late on a payment. I had just had a baby and also had developed a heart condition which required several surgeries. Having small children, my husband had to stay home and care for them with me being in and out of the hospital. Since this point we have been harassed by Green Tree non-stop. One male rep even went as far as telling me that I had NO RIGHT TO TAKE MATERNITY LEAVE, AND I WAS A HORRIBLE MOTHER FOR BEING LATE ON MY PAYMENT AND THAT HIS WIFE NEVER MISSED A DAY OF WORK AFTER HAVING A BABY! I asked them for a foreclosure notice so that I could borrow the money from my 401K, and they refused to send it. But as soon as I made the payment, I received the foreclosure notice!
I had to go to the town that I live in to get help with a payment and when they saw who the mortgage holder was, they rolled their eyes and said that I was among several others in my town having problems with Green Tree unlawfully trying to take my home! They call my house at least 10-12 times a day! And we're caught up on our loan now. They call us every day--even Sundays, and even though we're not even late right now. I have more stories about them than I have space to type in! Something HAS to be done about this.
Michele of Livingston MT (02/02/08)
My granddad had bought a mobile in Montana through Green Tree in 1997. He later found out he had prostate cancer and left me the mobile, and he moved back to Missouri. Last August he passed way, and I called Green Tree 5 times to talk to them about the loan, (which I have been paying directly to them for the past 10 years). They wouldn't talk to me, and all they said is that you better get a loan for it. Well I couldn't get a loan; the mobile is in a park and not on a foundation. I am a single parent with one very young daughter. I called Green Tree and told them that there wasn't a place that would give me a loan for what was due on the place. They gave me one last solution, and that was to stay in the house and keep paying on the loan--but they couldn't put my name on the loan or title until it was paid.
Well, I tried that until my granddad's insurance company contacted Green Tree and told them they were canceling the insurance. Green Tree came after me for it, and I couldn't insure something not in my name and for $30,000.00, so after many nasty phone calls from Green Tree I was evicted. Granddad passed away in October, and in 30 days the insurance company did their thing, and in 30 more days we were out--out of the only home my daughter has ever known. In the time I was moving out, they had the water turned off with out telling me and it was around -18 outside, and all the pipes are frozen and the hot water tank. Green Tree is now taking bids on the place, and they are telling people that everything is frozen and that it was the renter's fault for not taking care of the place. Now all the property taxes and lot rent is due; and they are having a hard time. All they had to do is work with me, and I would still have my home, and they would still be getting their money.
I had to move my daughter and my self out over Thanksgiving. We are now staying with a friend 40 miles from the school she goes to. We have all of our belongings in storage. The only thing we could bring was our clothes.
Linda of Belleville IL (01/30/08)
I have a mobile home loan through Greentree. We originally had the home financed through Greenpoint Financial, which Greentree bought out 3-4 years ago. Greenpoint Financial would try to work out any problem you had with late payments. But now that Greentree has my loan, if I am a day late, I start to get harassed with phone call after phone call. The rep, Kagen, was even bold enough to call me from his cell phone (on caller ID). Then I arrive home this evening and find that he has been at my door. I think this company needs to be investigated. What right does he have to call me on his personal phone and show up at my door? I admit I have had financial problems in the past and some late payments, but the way they harass people at work and home at all hours of the day and night is ridiculous. Please tell me what I can do about this.
So far, they have not threatened me with foreclosure, but I worry every time I may be a little late paying.
Tracy of Columbiana AL (01/30/08)
GreenTree repossessed a mobile home from my property. I did not own the mobile home. Greentree had told the people moving the mobile home to get it off the land no matter what it took. These people left my property in a total mess. They destroyed my water garden and the deck by the water garden--ran over bushes, plants and trees. The moving people left their unwanted trash and even some of their tires and plywood they were using. They even threw out their lunch trash.
I am so glad that I took pictures and video of the move. Now I have to deal with these ruthless people on getting my property cleaned up and for them to fix what was destroyed. I went straight to my attorney, and I am having him write a letter to them. I am not even going to deal with them myself.
Crystal of Piedmont MO (01/29/08)
My father got a loan over 10 years ago with GreenTree, and the past 5 have been terrible. My dad is 62 and in very bad health, so we moved in with him to help him out. I started paying all of his bills for him and taking care of everything, so when Greentree started calling, we would talk to them. Let's just say that there was never a nice word from anyone at Greentree. They would even call and harass my mom, and my mom and dad have been divorced for 15 years. How they got her number, I have no clue. They call at all times of the day starting from 6:00 a.m. all the way up until sometimes 11:00p.m. They will even start talking to our friends or basically anyone who answers our phone.
In the past few months they have been calling saying that we had missed a payment back in October, so I sent a moneygram of $316.00 which is what our payment is. Two days later they were calling and saying that $316.00 was not enough money and that we owed another $316.00, and that they needed it in a week. I had to explain to them that being on disability and with other bills, there was no way that we could come up with that much money. I finally got them to take the money in payments because there was no other way; now our payments our $385.00. I just got another bill a week ago, and it says that we owe $647.00. So I am trying to handle this, but we cannot loose the home; we have nowhere else to go. They do not seem to care; they are just ruthless, inconsiderate people who have no feelings for real people. Thank you listening to me....
Shelly of Sumner TX (01/29/08)
OH MY GOODNESS! I thought I was the ONLY one in this shape! We have had our mobile home for almost 11 years, it has NEVER been moved and we usually DO make late payments, so it shouldn't come as a SHOCK to them. I KNOW payments should be made on time. I am not an idiot--I do the BEST I can to juggle our finances as it is, and I try my best to get everything paid by the due date. Sometimes that is just not possible! I, too have had them threaten SEVERAL times to come and take our home and the word GOING INTO DELINQUENCY used WAY too much!
I was off work for over 5 months due to an injury and Heaven forbid someone try and WORK with you! I explained to them that we have stayed in the SAME place for over 10 years, we were NOT going anywhere and that we have ALWAYS made our payments. Granted, most are late, but they ALWAYS get their money! They act like if they have to wait ONE day over the due date that they are going to lapse into a coma! We are due on the 15th and they start calling on the 16th. I have had them 13 times on my caller ID before! I have even had them call me after I had made payment arrangements for a certain date, and I told the woman that if she would pay attention and LOOK at her computer, she would see that the payment was due to come out THAT Friday. I sometimes just sit and cry over the harassment! SO FRUSTRATING and demeaning!
I have had to double up on my payments before because I was too weeks late with a payment, so in order to accept that payment, I would have to go ahead and arrange for the next month. Seems as if they are NEVER happy! I explained I was also behind on my electric bill and HAD to get it paid by Friday. They said, "Well, what good is electricity going to do you without a house?" HOW RUDE! It is CONSTANT harassment on their part for EVERY little detail!
James of Fayettville NC (01/27/08)
Green Tree has been harassing me & my family with repossessing our home for just 2 payments, even when I called to send them $325.00 a week for three weeks. They said they had to have $472.00 for the next two weeks or they were going to repo the home. I have had the home since 2000 when my grandfather and aunt died. The home is in his name. They will not put the home in my name, but want me to keep sending payments. I have it down to $22,371.00 and they don't want to work with me. When they call they are very ugly and rude, calling me a renter and saying they can take the home when ever they get ready because I have no contract with them. They even speak to my four girls that way ages 12-17. They have no dealings with them.
I'm now trying to find some where for my family to live while we find another home to go on the lot. Because I have no idea when they're going send out the repo man. Should I receive an eviction notice giving me 30 days. I have four girls,my wife, and a granddaughter in the home.
Janice of Addis LA (01/16/08)
We have been with Greentree since '98, and they make my life miserable. I was in an accident that kept me from work for over a year beginning in '06 and was denied for social security. I would get behind in payments sometimes, but always made the payments. This was not enough for the sewer rats at Greentree. These are the rudest people I have ever dealt with in my life, from the manager on down. They call and harass your family all day even though family members have nothing to do with the loan. Their favorite tactic is to threaten reposession, but in the same breath they say if I pay this or that amount, and they will stop legal action.
We all need to come together and do something about this company. One day when they were harassing me, my daughter called and harassed the manager, and the manager did not like that very much. Every time my daughter called she would hang up. We all should do this more often. We really need to find some legal help to handle these rodents.
Shirley of Hopkins SC (01/16/08)
Green Tree took over my account from EMC Mortage Company in April 2007. Since they've had my account, they have been sending me letters stating that my account was delinquent, and if I don't pay they will file for foreclosure. I told them my account was not delinquent, and I have bank statements proving EMC was taking my payment out of my checking account. They also file a relief from stay with the Bankruptcy court stating I was late; they violated my rights in court by filing a false claim against me. I kept making my payments. I then received a statement in August that they are filing foreclosure proceedings against me.
I hired an attorney (Gloria Leevy). She advised me to stop paying, and she filed a petition against them after I showed her proof of my payments. Right now I am still waiting to hear from them and my lawyer. I am afraid if this is not resolved I may lose my home unlawfully. Some how EMC was not keeping my account accurate, and Green Tree refused to audit my account when they took over the mortgage. How can Greentree get away with taking consumers through this, when they are wrong and refused to acknowledge this? This has been extremely stressful for me because I know I am right.
David of Pleasanton NE (01/10/08)
Recently I had a Cardiac Episode. I have health insurance but my share was still a huge amount. This has put us behind on the house payment. My wife gets at least 8 calls a day. Both at work and on her cell phone. Now I'm getting calls on my phone which is my business phone. I'm a trucker and I depend on getting all my calls and not having it tied up a half dozen times a day for something that I have to explain every time they call. A lot of the time I know it's the same person I talked to earlier in the day. They tell me that they don't want to come and get the house. That they want to work out a deal. But I have had them take out double payments when given my bank information. So I don't do that anymore. I can't believe that the tactics that they use are legal.
I am sure that they have cost me loads that would of helped me make my house payments if they weren't tying up my phone.
Melanie of Spartanburg Dr. SC (01/08/08)
I called to get my payoff, but the manager Patty told me the number couldn't be quoted over the phone. Patty said she could fax it to me, but it may take up to three days. I had a buyer who was willing to give me cash today for the payoff amount. Patty told me that she didn't believe that someone just out of the blue came to me and offered me the payoff right away! In my mind that meant to me she was calling me a liar!
I do not like rude people, and the conversation became heated; and the sooner that I get those people at that business out of my life, the better off I will be and will have less stress in my life.
Cindie of Efula AL (12/31/07)
The experience that I had with GreenTree is that I sent in my payment on time, like I've always had for the past 5 years, but this particular time, I entered in the wrong Account Number, but I put in the right name and address. When they got the money order, they applied it the the account number that was on the check. Then 5 days later, after the due date, they called my house to inform me that I was late. I told them that I sent it in 10 days before the due date. They inform me once again that they did not receive it. I told them to wait a minute. I went got my money order stub and went over all the information that I put on MO. When I got to the account number, I saw that I changed one of the numbers on my account by mistake. So this person, look up that number that I gave her only to find out that they applied it to another person's account. I ask how can she be so sure, and she said because the person with this account number pays a lot more and that and they applied the money to that person's account 2 days before my due date. And they still charged me a late fee. For my mistake as well as theirs. So my GreenTree account holders, check your paper information before you send it out. Someone in the GreenTree Field can not compare information data, and will put your money anywhere.
Patrick of Granite City IL (12/30/07)
I was in chapter 13 bankruptcy for almost 5 years. The Conseco loan (which became Greentree) was included. The original loan was a 2nd mortgage we took for $11,000 to get our house re-sided. I paid $7200 (the principal owed) and I thought that was that. My bankruptcy was discharged in September, and a a few weeks ago, I began getting callls from Greentree, first saying we owed $250, then subsequently $11,000! They claim that we owe late fees and penalties to the tune of 30-40 dollars a day, and that the bankruptcy only included the past due amount of our loan. (We were NEVER behind more than one payment). Sounds false to me. The rep I talked to was very condescending, and when I said I was going to speak to my bankruptcy attorney first, she replied that once it was explained to me by my lawyer I could call back and make payment arrangements. I was also left a message from another so-called supervisor who said that she didn't know why I was avoiding her calls, like I was doing it on purpose. I guarantee you that. I'll go to the Illinois Attorney General's office if they want to push the issue, and give them a war that they won't believe.
Barbara of Richmondhill GA (12/20/07)
I financed $50,000, paid 4 years, and had to file bankruptcy to save my house. After 3 years I am now released from bankruptcy. Greentree says I owe $62,000, and $5700 can save it--only they can't put it in writing, so I'm forced to move because no one will touch it at 13%. Is there nothing to be done here? After al, they filed and landed on their feet. Someone please help us; we are trying to live honestly, and the big companies are stealing us blind.
As a result I'm having to move while their mobile home sits there, and nothing happens until Greentree is ready. Is that fair?
Stephanie of Winnsboro SC (12/19/07)
My property was foreclosed on 5/2003; the judgment was that the deficiencies be waived. Greentree Financial refuses to comply. I have sent them the paperwork from the court by certified mail. Their reply was that foreclosure action was initiated, that I will be responsible for the balance, and I need to contact the office to make arrangement. Because the deficiencies were not waived, this has prevented me from moving forward.
Joseph of Rocky Mount NC (12/19/07)
There are too many times we had problems with them, to talk about Greentree. But the most recent happened during the summer. We had car problems, and it cost us a lot of money. Our payments were late. In the past 3 months I have been making payments over the phone because they say legal action will be taken. Our payments are caught up. I am just wondering why they are pressuring for them now?
I have bounced two checks and had to pay fees each and every time those checks were processed.
Kenneth of Waterloo SC (12/14/07)
In 2001 my wife had to have surgery, and I called Greentree to see if I could defer a payment because I had to have money for the out patient center. They told me no, that I had to make the payment or move out. I told them that I haven't missed a payment in 6 years. They still didn't want to hear that; they said make the payment or get out. Now I'm trying to get it removed off my credit so I can get a home for my family, and no one will talk to me so I'm lost again.
I haven't been able to purchase a home for six years because of people like Greentree. I cant get anything while this remains on my credit. Two two years later, after they said they wouldn't work it out, they called me and said that they would have worked it out with me. After all, they let the home sit on my property for a year before they moved it.
Torris of Florence SC (12/14/07)
I made payment arrangements with a representative from Greentree on Monday who stated that my case did not go to legal. I agreed to pay $1400 on Friday. The rep told me to call back on Friday to verify that I made the payment. Before I submitted the payment, I spoke to Margret Hagler. She stated that if I waited until Saturday that I would have to pay a legal fee of $950 along with another monthly payment. Once I called to verify that I just sent the payment of $1400, she asked when was I going to make the payment of $950. At this point, I was clueless. AFTER she received the control number she started being very rude. I stated that she said nothing about any additional money. I requested to speak to someone else. She could not assist me anymore at that point. I then called again and explained my situation to another agent. He said that he would look at the acct .to see what he could do; he then transferred me back to the automated system, which was very rude. The third person that I spoke reviewed the notes from the acct, He stated that even though the payment was made that the so-called judge just signed off on the paperwork. I felt that was a true rip-off.
I made an AGREEMENT of which I kept my side of the bargain. I paid what I said I would pay. They are still charging me $950. I feel that this company misled me into thinking that my acct. would not be charged. I borrowed money just to get the payment in by the agreed date. The company should not have the right to say one thing, and AFTER they get a payment do another.
I borrowed from family members who don't have a lot of money themselves. We worked together to get this payment in. If I had known that they were going to proceed with the legal process, I would have given them back the home and moved elsewhere until I was able to get back on my feet.
Lorie of Sherrodsville OH (12/02/07)
GreenTree has had my mortgage for approx. 10 yrs. If your payment is three days late, they will call you every hour and ask you to make payment immediately, either check by phone or western union. If you tell them the payment was made, they tell you to stop payment on that check and make it immediately by the mentioned ways. They have double debited my checking account, refused to reimburse the overage, harassed my kids, my parents and neighbors. They even called my clergy. They call place of employment and will not stop even if told to do so by management-- and constantly threaten you with repossession no matter if it's one payment that's late.
I have asked for payment histories; they are promised and never mailed. My husband died of cancer a year and a half ago, and they still call my house and ask for him and refuse to take his name from the loan. When our interest rate was lowered, I believed there to have been death and disability insurance on this mortgage; but Green Tree refuses to send me copy of the agreement my husband and I signed, only sending me the original mortgage agreement. Their reps are rude and deceitful. They called my father who isn't liable for any part of my loan, or any other finances, and criticized him for not loaning me money to pay a house payment.
This has caused chronic stress and emotional trauma to myself and my children, lack of privacy regarding my finances.
Sabra of East Jordan, MI (11/26/07)
My mother passed away on October 15, 2007. Her mortgage payment to Green Tree was due on the 5th. While my siblings and I were dealing with all aspects of the loss of a family member, Green Tree called asking for my mother. I then informed the rep that she had died 3 days earlier. He then started grilling me as to be who the executor of the estate was and when payment would be expected.
We did not have an executor so he took my name and added it to the account. My brother was made administrator of the estate, but because I was the individual that was now listed on the account, they refused to speak with him about the situation. I called Green Tree and told them that they needed to speak to my brother.
Ten days after this conversation, I received a call from them demanding payment on the trailer. The day after Thanksgiving, my brother contacted Green Tree to find out what the pay off/principal amount owed was because we had a buyer for the mobile home. The rep that he spoke with said that that they had already sent papers to the sheriff's department and that they were going to repossess the trailer.
It has been only 5 weeks since my mother died, and the amount owing is $275!
Dennis of Irvington KY (11/21/07)
After 6 years of paying on mobile home it was repossessed with 75% of items left in it. I did not hear from Greentree/ Conseco to where the trailer was so I could come get my stuff. I was left without a home and lost most of kids' toys, clothes, table, chairs, etc.
Cynthia of Dayton TX (11/20/07)
Greentree acquired our loan from Bombardier Capital. We have had financial problems due to vacancies, etc. and having to pay 3 mortgage payments. Greentree Financial is extremely rude and make threatening phone calls, false insurance bills, harassment on my job and threats concerning lawsuits. Now they want me to sign an agreement that if I am ever late with a payment they have the right to immediately secure the property. I have been paying for this property for 7 years. Now I recently found out that I owe more now then the original selling price.
Elizabeth of St Elmo AL (11/17/07)
I bought a 28/80 mobile home land-home package from Greentree in 2005. My two children and I have had to move out of the mobile home due to septic tank problems.The septic tank is under the mobile home and can not be pumped. The appraisel was also fraudulent. It's not even in the money range that it should be.There was NO central heating or air, no stove or refrigerator, no light pole, no garden tub faucets and no hot water heater--yet the appraisal clearly states it had all of this.
I wound up in the hospital from the stress with a $7,000 hospital bill. My children were under stress because they were afraid to go out at night and use the Porta-potty for the bath room toilet--not to mention the humiliatation of this in my front yard. There was sewage running out of the lines and on the ground. I tried for months to get help from them to correct the problem but no response.I have had to file bankruptcy, and I'm letting the trailer go back. No one will pump it out because the tank is under the trailer. I want my money back!
Isaac of Tallahassee, FL (11/02/07)
A rep from Greentree called at my work repeatedly, after I asked him to stop. I am unable to receive calls at work unless it is an emergency, but "Allen" called at my work repeatedly, after I asked him to stop. He also called my home and harassed my family. He called my wife for payment information but would not give her any information. He asked her why she concerned because they were going to reposess the mobile home anyway.
This man was rude and very mean. The calls at work are recorded because I work for a government facility and when I explained this he boldly said he did not care. His supervisor was also very rude.
Edward of Shelton WA (10/07/07)
Our mortgage was originally with CONSECO when we filed bankruptcy in 2003. All late charges were included in the bankruptcy. Just after we filed, CONSECO went into bankruptcy, and our mortgagor became Greentree. When we were discharged in 2006 the trustee made our last mortgage payment before we assumed taking over making payments. Greentree then told us we owed 547.00 in late fees. We had them research why we had the late fees. They then took the last mortgage payment that the trustee had made, and applied it towards the late fee. They now state that we have been short on our mortgage payment for that amount for over a year now. I have bank records to show that payments for the due amount have been made. Greentree instead of eating a late fee that was not declared to the trustee at the time the bankruptcy was discharged, changed their records to put me in default instead of researching the issue. We have refered this to our bankruptcy attorney, per his instructions, should anyone contact us about owing money after the discharge. Greentree alleges they have not heard from our attorney, and our attorney alleges that Greentree won't call them back.
They have been continually calling my wife on her cell phone and home phone. Often times they are rude, verbally abusive, and stating we should just pay the money. I would gladly pay if I owed the money, but the late fee should have been declared to the bankruptcy court trustee at the time asked.
Constance of Lafayette CO (09/24/07)
We have always paid our mortgage on time -- the due date is the 1st of the month, and our payment goes out on the 15th. So we've never had a late payment of any sort (and we have the bank records and check stubs to prove it.) Our interest rate has thus never changed, nor are we subjected to due-date creep.
However, if we get a statement from Greentree/Conseco more than once a year, I feel privileged. We usually get the one that contains our tax information, but that's it. No matter how often I call, email, fax, write or send smoke signals, we can't seem to get them to send us our billing statements. This makes it very hard for me to estimate how much principal we're paying versus interest (we've been in our house for six years) and it makes it impossible to refinance.
There has been no real damage as yet -- just missed opportunities. I know that they have to bill us, but they don't. Compared to other people's problems, ours are minor, but since a lack of bill can cause the problems others have, it seems a necessary piece of the puzzle.
Milena of Glendale AZ (09/06/07)
I have been with Greentree since 1997. I am a single parent and initially my payments were on time (even according to my credit report). I have fallen on hard times and had to take a different job with lower pay and since that time, Greentree has made my life unbearable. They have been calling 2,3,4 or more times per day with threats of foreclosure, etc. They will tell this tale to whoever answers the phone, my kids or even my grandchild! I put my house on the market (just to clear what I owed to Greentree - no profit expected by me for me) and they had a buyer who signed an agreement with Valleywide Manufactured Homes on May 30th. On and off, this deal had problems and Greentree continued to call me and make threats of foreclosure.
Sundy of Somerset KY (04/26/07)
After I ended up on disability, lost my job and then my co-signer died I have had a time making the bills. I make my payments most the time on time as well; but have always been harassed by greentree reps thru the years. I was out one evening when my under age son answered the phone. The rep told my son he was going to lose his home because his mommy wouldn’t pay the bills. He was in tears when I got home. I receive calls daily and occasionally letters (before payment is even due threatening default and repo).
Currently I’m behind 50.96 and the default is on its way even though I have stated I will catch up when I’m paid the first of the month which is 4 days from now.
Also they kept calling my dad who has nothing to do with this until he consulted a lawyer who advised greentree they would be sued if they called him again. After my mom passed away (my co-signer) her husband was executer of her estate. Greentree wouldn’t take her name off my bill when she died, at my request, unless I send one hundred dollars as well. It hurt to see her name on my mail.
Jason of Cottonwood, AZ (04/21/07)
I noticed that the statement I get every month says no principal was applied to my loan in 2006. Last month (March) and this month (April) of 2007 my payments were made on time and the entire payment went to interest.
My mortgage is going up, not down.
Surely this is illegal but I don't know what to do about it. I sent copies to the AZ state AG but all I got was a "thank you for pointing this out".
Suzette of Andrewss SC (04/19/07)
My husband and I got our home through GreenTree Finance. Before they moved it to our lot someone had already called to say that they were going to repo it. When we told them that it had yet to be delivered they said that they had us mixed up with someone else. Through the years we had several threats of repo and we had to fax them receipts of where we made payments. They then sold out to Conseco and they had our credit report all messed up.
Do to them calling my neighbors and family in regards to this I almost had a nervous breakdown. I never knew when they were coming or if I was going to have a house there when I came home from work. They would call three and sometimes four times a day and tell others your business.
Tracy of Ash NC (04/03/07)
Robert called my home tonight beginning at 8:30 and demanded that I make a payment over the phone. I told him that I had already spoken with someone on Saturday to tell them that I would be mailing a check today. He said that was not allowed because my payment is late and that they would return my check and then some out to repossess the home. He actually asked me when would be a good day to list as a removal date! I told him that I mailed the check and he said that they would return it to me and there was nothing I could do about it. He refused to give me his last name so that I could speak with his supervisor about his tactics. He became so ugly and mean with me that I hung up on him and he proceeded to call back an additional 6 times. On the last call I simply stated that if he called once more that I would report him for harassment.
Melissa of Morgantown WV (02/23/07)
I own a mobile home that I rent, financing through Green Tree. The tenant moved out without notice in January. I notified the mortgage company in January that I'd be late on payment due to an unforeseen matter. Their collection department called daily -sometimes two and three times. I asked them to please stop calling me at work and they did not. He even called the new tenants right after they moved in to ask for payment - along with the mobile home park!
The next day a field rep showed up at the home letting my new tenants know that Green Tree was going to repo the home. The bill was not even 30 days past due! The amount I owed is $282.00. REPO for $282.00. I was told by Joror that I could take my business elsewhere if I didn't like it!
Tamatha of Prescott Valley, AZ (01/02/07)
I had a loan through Bank of America but somehow this past year Greentree aquired it. I am a single mom, working full time but sometimes I just can't make my payments on time.
The Greentreet rep "Sonny" is so very rude. He calls my boss every day at least 3 to 4 times a day. He also calls my daughter on her cell. She is 17 and he tells her they are going to take the house away if i don't call him. Sonny has had other people call me and tell me that they would call cops on me for not providing a home for my kids after they take it. This weekend, Dec 31st, Greentree called my house phone 9 different times and called my daughter 7 times leaving 6 messages.
They say I have to pay their lawyer's fees so they have raised my payment from $489.07 to $675.89. I sent in my $489.07 for Nov and they paid the lawyer, so now they have filed foreclosure on me again for non payment. I don't even know if that's legal.
Nancy of Floresville, TX (11/23/06)
My daughter's mortgage was taken over by Greentree. Payments that were $302 went to $350 and are now at $387. We are all helping her make payments but several times a week we are called and harrassed.
"Noe" told a friend who answered the phone that he was going to report my daughter to CPS for not providing a place for her children to live. He called 3 times this week and argued with my grandchildren. He wanted my work number. They told him I didn't work and he said, "that figures". He knows I'm trying to help my daughter and they always get the payments, perhaps late, but they get them. He also knows my daughter has no phone. She lost that when she lost her job, so he calls me and is cruel in the things he says.
Bryan of Livermore, CA (10/18/06)
I called to get the payoff of my loan that was sold to Greentree from Washington Mutual. They told me they could not give me that information sooner than 48 hours.
By the time I got the information my balance had grown $800. They told me it was interest on balances unpaid. When I asked about this $800 rise in my balance in the course of 2 days, the lady said "now you know what it is like getting teeth pulled". I am not even sure what that means or how it applied to our conversation!
Jill of Carlton, GA (10/06/06)
I am being harrassed by Greentree finance for payments on a mobile home that is not mine. My children's father bought a mobile home from Greentree. Now that it is in default they are calling me for payments and have now debited my father's checking account for a payment without permission.
My name is no where on this account nor has it ever been. I have pleaded with them to leave me alone and stop harrassing me. They are relentless and now they are stealing from my elderly parents.
Pam of Seneca, SC (10/02/06)
4 members of my family had our homes financed through GreenTree - always with direct draft so payments are NEVER late. My mother passed away this past year and GreenTree has been very uncooperative about clearing out her home. We were told that because she did not have a second person listed on the loan that the home would automatically be put up for reposession unless we wanted to keep sending in payments. And if we did, it would only delay the reposession process that would happen anyway.
We tried to negotiate the clearing of the house until July 1 which would give us 3 months to grieve and go through her items. They told us we had a specific date to be out and that was it. I told them if we complied with their request then they must comply with our - that the land was ours and they would have a specific date to have the home moved or we would charge them storage fee for having it on our property!
I sent a certified letter to this effect and of course they haven't responed. It has now been 73 days and the house is still there.
Robert of Taylors, SC (09/27/06)
Every time we are almost straight with our payments, Greentree turns us into legal, which cost us a $1000 or so. The more we pay the more we owe.
In the last 2 weeks we have paid $750 one payment and $480 the next one. "Travis" turned us over to legal for $30! And he is trying to help us?
We are financially drained and mentally stressed, but our home is our #1 priority.
Sandra of Asheville ,NC (09/11/06)
A few years back Greentree acquired my mobile home loan. I was given an address for payments and that was it.
I have never received a statement. I have no phone number to call them or any other way to contact them. I have written letters to the payment address but have never gotten a reply. I have made additional payments on my mortgage and would like to know how much is left on the principal.
I can't even refinance it because I have no way to contact them and the bank can't find them either.
Kellie of Big Piney WY (8/24/03):
We have a home loan with Conseco, I found out last month that they filled bankrupcty and they are now GreeTree. We have never been contacted about this and have not received a payment coupon. Where do we send our payments?
Ann of Chicago (8/5/03):
I recently refinanced my mortgage. It was with Conseco. I requested on several occasions for a payoff statement. After two weeks, I called back and was told the payoff statement was faxed to me, but I had never received it - it took another week and it was wrong, they included an early payoff penalty. In the meantime, a closing had already been scheduled, so the new bank estimated the payoff, we closed and then a week later received the payoff. It was over estimated by more than $7,000.00.
I was told that Conseco/Greentree would reissue me a check for the overpayment and that I should be receiving it in about 30 days, because that is the general practice for other banks/mortgage companies. Well I called Conseco/Greentree and their customer service told me it takes anywhere from 6 to 8 wks and they could give me no specifics as to what status my check was in or why they hold the money for so long. Other than they needed to make sure the check clears, but as we all know, the longest it would take a check to clear is 10 business days.
Jack of Liberty Hill TX (7/29/03):
We did not receive our current monthly billing statement and whereas there has been a problem in Greentree & Conseco changing we do not know where we should send our monthly payment. Once we get that statement we will send in the payment.
Helen of Lempster NH (7/29/03):
We were one month behind on our mortgage. My husband had taken a job that was year-round instead of seasonal and it was a cut in pay. I started working but did not make enough quick enough to pay the mortgage on time. I had told them they could take money out on a certain date. They told me that they were sending it in on Monday. I told them that the money was not going to be there and I told them it won't be there til Thursday. They did it anyways and it bounced along with about 4 checks that I had out. I had to pay the fines for the bank and the companies.
Then I get a call saying that if I do not pay with in 24 hours they were sending the guy who takes homes out to my house and tear down the skirting and jack it up to take repossession on it. I have two children and nowhere to go. I had sold our heat for the winter and went without food for two weeks to get that money. I hate this company more than anything. Who repossesses a house on one late payment? Especially when you have been on time the first 50 of them?
Shelli of Moberly MO (7/28/03):
We are constantly being hounded and threatened by Steve who is one of Conseco's reps! There have been payments quick collected to them that has never been applied to our account, as well as money taken out of our checking account that wasn't applied to our account! My husband was off work last year due to an illness and we had disability insurance on the mobile home. When I called them in reference to it, they showed it had been removed, couldn't tell me who removed it though!
They defaulted us, set it to go to court, I paid the money they were asking for by the due date! They were supposed to have canceled the court date, instead they never bothered to contact the attorney to let her know that we paid the amount requested! The judge granted the default even though we paid them before the court date and default date!! My husband has been off work again for an illness, is in the process of getting his release to go back to work. I said I would pay them on Friday Aug 1st in the amount of $474.00 dollars. Steve became very rude and hateful, said Friday wasn't good enough! The mental anguish and humilation that Steve gives in his harrassment is enough to drive anyone crazy.
Brenda of San Antonio (7/10/03):
I refinanced my mobile home with IndyMac and the loan was assumable. That influenced my decision to choose IndyMac. Greentree bought the loan, then Conseco bought the loan, and now it's back to Greentree. And they won't do an assumable loan! This is the only way I can sell my mobile home because I owe $28,000 and it's only worth $21,000. I can no longer afford the home, need to sell, and move to a cheap apartment. Due to no assumable loan, they will cause be to just "abandon" the home. And I will still owe for monthly lot rent, also. And Greentree will hound me to death for the difference in what they sell it for and what is owed.
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May 17 2008
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