Greentree Finance

I am able to refinance my primary mortgage (with Wells Fargo) for a limited time period with little trouble and a great rate. I was qualified for the refinance, except for having a second mortgage with Greentree. I used all my savings, borrowed from family, and wrote you a check for the payoff, some $26,000+. This payment went through my account on 4/23/2012. On 5/14/12, I spoke to Wells Fargo to reapply and was told that all I needed now was a payoff documentation from you and that I could have the refinance I've tried so hard for. It will save me $3,600 per year. I called your customer service and was congratulated on my recent payoff by your computer, and I was told that my payoff happened on 5/11/12. (Why did you have my money for 3 weeks before closing?) I was also told that my county would have the lien papers in 30 days.

I stayed on for the representative "Bre," who informed me that you wouldn't/couldn't send the payoff docs to me and if I needed a copy, I could just wait for the county to get them and go down and copy them myself. I explained the urgency, and she agreed to fax them to my rep at Wells Fargo. On 5/17/12, my rep called and said he didn't get them. I called customer service again and waited forever, and you can't speak to the same rep. This time, I got Jessica, who listened to my problem and agreed to fax to my rep at Wells Fargo. She also informed me that Greentree had sent me a receipt that was in the mail. It never happened! I called Wells Fargo and told him to expect a transmission via fax. At 5:30, he called and said it was never received and he was going home. Desperately, I called Greentree again, and after much waiting, I got a rep named Kanesha.

After having to go through my story yet again, I was promised to fax my info to Wells Fargo. (It was also said the problem was Wells Fargo's fax, not Greentree's.) The next day, Wells Fargo called to say they got fax but that it only showed a 0 balance and was not a payoff letter. But he would submit it to the underwriters and see. Yesterday, he called and said my loan looked good but that they had to have a payoff letter from me or you to complete. I called yet again, went through your "hurry up and wait" process, and luckily got Jessica again. She seemed appalled that nearly a week had gone by and still there's no relief. She spent much time with me as she knows how important this is for me! It's worth thousands of money! She promised a payoff receipt from Greentree by overnight delivery (I offered to pay if necessary.) and to fax one to Wells Fargo. As of tonight, neither has happened.

I never asked to have your lousy mortgage company! I don't know if you are totally incompetent or just plain liars. Tomorrow, I'm going to phone my US rep Hank Johnson, Clark Howard (the famous WSB Cox Enterprises consumer advocate), Bank of America (who Greentree is associated), my secretary of state office, and the FDIC. Greentree is quick to send bills with accusations and emails about supposed late payments. But now, I've paid off my obligation. You can't do one simple thing for me. If I lose this refinance chance because of your bad/incompetent business, I plan to sue you for actual damages and for the two weeks of stress you've caused me, my blood pressures being up, and the minutes I wasted on my cell phone as well as the time I wasted trying to get this simple request. (I'm self employed and could have been working.) Even if I have to file in SD, I will do it.

Today, I once again attempted to pay my mortgage online. Each time I attempt to pay, an error screen shows and says that ability to pay online is not available, telling me the website is down for maintenance. I find it very interesting since they report on their website that their system is down for routine maintenance on Sundays. I have tried twice now and each screen has told me that the online part was disabled. It seems like each month I have to play cat and mouse with the company to pay my bill early or on time. There is also concern that they might try and overcharge me since I tried twice with no luck, but this company is so crappy that I have no idea what is going to happen. Needless to say, I have no confirmation numbers. I at least know that I won't have them charge me for a mortgage twice in a month. I tolerate the $12.00 fee but and constantly on the edge with this company over their serious problem in managing their pay online system.

I did a bankruptcy over two years ago. I worked it out so Bank of America was taking a split payment: one on the 1st, second on the 15th. I want to stay here. I never had a problem. They sold my mortgage to Greentree three months ago. If they don't get full payment on the 1st, they call my job. They call my house so much I got the number changed and I won't give it to no one. They called my job office so many times the secretary gave them my work cell number. My supervisor asked if I needed more hours and if my money situation is okay. I'm afraid my boss is going to start thinking I might steal from him after all these years because of this.

I got my papers together. My 15-day late fee with Bank of America was $63. They are charging $83 on the first day of the month, not even letting me have my contracted grace period. I confronted the calls finally and they flat out told me they will collect the debt or foreclose on my house. They don't know of any grace periods and they have their contract and they can do what they want. And they keep saying the same thing, "What do you want to do with the property?" It's an underwater mortgage that's why bank of America traded it to Greentree to start with. I fear for my job. I've talked to a couple of lawyers but they shrugged me off. I read the law. It's against the law to harass someone after bankruptcy but they clearly are above the law just like all major financial institutions.

Back in Aug. 2011, I had to file two claims on one of my rent houses. The renter moved out and did not give me any notice. The house is not in a great part of town. Needless to say, the house set empty for around two weeks. The young people took advantage and tore all the electrical wiring out and broke all the windows, busted interior wall out to get all the wire. This was claim #1. After I had worked on the house for about two weeks! I had all the windows covered and doors secured. They set the house on fire and that is claim #2.

When I received the two claims checks, they both had Greentree on them also. I called Greentree and was told to sign the check and send them to Greentree. They also told me to take pictures of the work that I had done and they would release some of the funds. I have sent them faxes of all the pictures and also I have sent three certified packages with all the information and photos. I even called them and spoke to them countless times trying to get my claims money from them. This is still an ongoing nightmare and I now have reported them to the BBB! I am now going to sue them for keeping the money and whatever else I can get them. I am just like any other person. I have spent all my savings repairing the house and still do not have any of the money. (Nest egg is now depleted.)

I will refinance as soon as I can afford to do so. I have two rent houses with them and have never been late on any of my payments. Here we are in the middle of May 2012 and this is still going on. I should have had the house repaired before now but I am working on very limited funds! All the lost rent and just the inconvenience of me having to go by the house everyday and having my friends also help me watch the house has been very upsetting. The city has now also pulled the gas meter due to the house being empty for so long. I now have to hire a plumber to pull a permit and test the gas pipes and have them inspected by the city. This will cost me even more money that I do not have at this time. I have been told this could cost as much as $3,000! I still do not know how much longer it will take me to get the money!

Thank you, Greentree, for being a royal pain and taking your sweet time and for lying to me that you had not received any of the photos at all, even though I have all the received conformations that you received the faxes and certified packages. The two checks have been deposited into your account!

I got my own insurance and as always Greentree is now stating that they have not received anything. I have emailed and faxed the paper to them. I have called the insurance company and it has emailed the paper also per the representative. As always, it is a game to them. Well, I have decided to fight fire with fire. We are consumers and if we don't learn to fight, we will lose. I have filed complaints with the State Attorney and Federal. If Greentree refuses to give us, the consumers, answers maybe a law office can get an answer that can help anyone.

This place has been an absolute nightmare! From the start, it seemed that this was a predatory company, whose only goal is to get you into foreclosure. They rearranged my due date to make it appear that my mortgage payment is very close to being behind. I have always paid my mortgage on time and have never been late until my dealings with this company. They attempt to make it impossible to pay your mortgage online and charge a fee of $12 to accept payment over the phone. That is $144 (additional) a year that they claim a third party vendor charges, and they never see a dime of the money. Yeah, right! As soon as my credit score improves, bon voyage, you thieves! I feel that it should be a prerequisite that any mortgage servicer allowed to accept payment (for mortgages that they did not originate) should already have an established a free payment (or lower cost) structure in place.

Greentree illegally repossessed my DW home, changed the locks and messed with all the gas lines and electric lines in my home. They sealed it shut and left me without a key and used the law to restrain me from entering my home. I invested $10,000.00 cash down payment on this home. At that time (1998), Conseco Finance Corp. took over Greentree Finance Corp.

Our mortgage was recently sold to Green Tree Servicing from Coastal States Mortgage. From the time Green Tree has had our account, there has been nothing but trouble. We had a loan modification with Coastal States and they were in the process of recording the new interest rate when the loan was sold to Green Tree. Green Tree is now saying that we are 90 days past due and in foreclosure if we don't make our payments. We have been current and have not missed a payment. I have sent them all of the loan documents, proof of payments and they can't seem to get the paperwork in order.

They keep calling saying we are past due, when I call back to speak with our rep, Cameron, he is never available. Then I have to start all over again with our story. I have spoken with about 5 different people on the same matter without a resolution. If anyone is organizing a class action suit against them I'm in. They are the worst to deal with.

I have spoken with my account manager twice. I am having to pay my payment on the 30th of each month. My payment is hitting 30 days, but not 60. No matter what each time, I am told that if I don't make two payments, they are going to foreclose. After I explained my situation where I had three surgeries within a year putting me behind, she took one payment. So I am told that not 60 days is still bound for foreclosure, but they would not work out payments. I'm always told "There is nothing we can do."

The month before the last, I was finally told "We can do a modification, but it takes a while. So call back." I work in banking. Our facility would be closed if we treated customers as this lady does. I called to make payment arrangement and was told "You're in default. We will begin foreclosure on the 12th, if you don't make two payments." I am only due two payments. not even 60 days.

Once, I threatened "bankruptcy," which I will not do. She said, "We can do a modification, but you will not let me help you." All I have wanted was for her to help me. She is the most inconsistent, rude, and unprofessional person I have spoken with at an attorney's office. This mortgage company has to be the least professional I have ever dealt with. It's just about like they really don't want you to pay, so they can repossess your home. Once, I was told "I'm going to hang up" by an assistant. I hung up.

I have made several calls concerning our mortgage payments and the amount to get rid of PMI. After being placed on hold for the next available idiot many times, nobody seems able to answer the question. We have been mailing checks to help pay down our principal amount (mailing to not get charged $12 for doing it online or on the phone) and our last check somehow got applied as though we were paying forward. There was a note on an 8x11 piece of paper that stated apply to our principal that was ignored.

My question to the manager was, "Why didn't anybody call to ask how this check was to be applied?" With no answer in reply, I was asked if I wanted to mail another check. This is the most unprofessional business I have ever dealt with and as soon as the PMI is paid off, we will be refinancing through anyone else the day we can do so. When I did ask about refinancing by using the HARP program, I was told by their customer service to contact somebody else that they are too busy with other clients to handle our refinance. I cannot get away from these people too soon.

I have a home loan with Greentree. I have severe health issues and am unable to work. I receive no government assistance and currently my husband is unemployed. They used to call me and threaten me of foreclosure and stated I had to make a payment even if I had no money. There were times they didn't identify themselves, which by law they must do. I would get more ill after each time speaking with them and my BP would go up and I've had several mini strokes. I also have MS. So, I wrote a letter explaining my health issues and requested that they cease and desist calling me which they did for awhile.

Then in March, they began calling me and leaving messages on my answering machine. I called them today because I am aware I am late and unable to bring my account current. They require the full amount. They will not allow you to make some smaller payment. I called as a courtesy to them since I had imposed the cease and desist on them, even though they still contact me. I was told if I did not set up something today before we hung up that they were contacting their attorneys and begin foreclosure proceedings on me. I am past due for 2 months today. I said I would call back after speaking to my husband and see if we could come up with the money and they would not accept that. So I had to end the call with the threat of being foreclosed on now for being 2 months behind in payments. I scraped up some money and made my April payment today via US mail, so I am now one day late for my May payment.

Do not deal with these people. I have had several different customer service reps and all but one has been threatening and harsh to me. If they foreclose on us and I have another stroke from the stress of trying to deal with them, my husband will sue them. I will never call them again to keep them informed on my account. I know when I am physically able to handle speaking to them and when I cannot. If I could refinance, I would but in this economy it is impossible with the way employment is. I have paid my payments since 1997 and this is how they treat a struggling customer?

Bank of America sold my loan to Greentree on December 1, 2011. The first statement I received from Greentree in the middle of December said I was 2 months behind. Every statement I've received has my monthly payment as a different amount. Now, that it's April, they have finally cleared up the fact that I'm not behind in my payments! I have been trying to apply for a HARP 2.0 refinance since January. Greentree has called and sent me letters asking for the same verification paperwork that I've mailed in 3 times. In March, I was sent a letter telling me I didn't qualify for a HAMP modification because I was current on my loan payments. I called Greentree and told them I didn't apply for HAMP. The representative walked me through finding the form online to apply for the HARP 2.0. Now, April 30th, I receive a letter saying I don't qualify for the forbearance program. Since I didn't apply for this program either, I called in and was told that Greentree isn't equipped to receive applications for the HARP 2.0 program! I've never dealt with a more inept mortgage company!

In November, Greentree was calling a couple of times a day for my November payment. I finally gave in and gave them permission to postdate a check for the day I get my Social Security. Big mistake. They did not wait till the second Wednesday of the month and I had all kinds of service charges from my bank for the payments I had set up to come out of my account the first two weeks each month. I contacted them on December 5 when the Greentree check cleared my bank. I have faxed them copies at least 6 different times to six different people at Greentree. I even had a lady call me to ask me to refax the third page because it didn't print the way they wanted it. I know they were getting these faxes. Different people, different story every time I call in to find out where my complaint was in their process of refunding me my charges because it was their mistake. Each time I call, the paperwork is being looked at.

They have listened to the recorded phone call from the postdated check conversation and have agreed that it was their mistake, but it will take them 90 days to clear this matter up. Well, now it is April 30 and there is still no refund. Either they have a constant change of employees or they do not care about their customers. No one seems to be in charge! You owe them money and they will call every couple hours; they owe you money, forget it. I did not get my HEL from these people; my First Horizon account was sold to them. I live on Social Security and every dollar I get is accounted for before the check arrives. The money they cost me in service charges could have helped pay for my meds. I do not have extra money to fool away to Greentree! Never, I repeat, never get hooked up with this company. Worse company I have ever had to deal with in my 68 years.

They claimed there was a lapse in my insurance coverage. My insurance company sent them the proof of homeowners insurance. They are trying to make me pay $1026.00 extra by the end of the month for their insurance for 3 1/2 months' coverage. They are threatening to ruin my credit and are very unprofessional on the phone. A male named Jeremy called me about it and will not let me speak to a manager. He said that he is my account person and that I can't deal with anyone else. I explained to him that a man named Rudy in the Insurance Division verified that he received the correct proof of insurance and that my account would be updated. But Jeremy said that proof is not good enough and that I need to pay an additional $1,026.00 before my April payment will be applied. I think at this point I need an attorney.

I was HARP eligible at BofA. There are different types of HARP loans and the ones offered by your servicer are the 'complete' HARP loans that offer no LTV restrictions, no appraisal and such. This is what I was eligible for at BofA. Green Tree bought my HARP eligible loan and cannot offer this. When the interest rates finally hit low enough, I looked into this only to find they do not answer their phones and cannot offer what was therefore taken from me when they bought my loan. Damages include a 5.875% interest rate down into the 3.5% range. If anyone is moving to get a 'class action', I am here as well.

Our loan, too, went from Bank of America to Greentree and it has been nothing but trouble since. We have never been late on our payments until the last few months with no work; we have been a bit late but never 30 days over. The days we are late, they make repeated harassing phone calls to us and to our family and neighbors. This harassment should not be allowed but they said it was their right to make all these phone calls "to reach us" when we have told them repeatedly that an online payment would be made on such and such day (and it is).

Green Tree is, in my opinion, the worst company I have seen in my life. Home loan started at Compass, then Countrywide, then Bank of America, then sold to Greentree LLC. They call you on the second of the month telling you that you are late on your payment and will be charged late fees (This is not true. You have 10-15 days after the 1st). They raise your escrow payment because they have to have two payments in the shortage account where all the other lenders require one. Here's the best part. I got a phone call yesterday, 4/25/2012. It stated my March and April payment needed to be sent to the foreclosure department! Both of which posted and were withdrawn from my Chase account. My payments are not late. I am not in foreclosure! This company needs to be removed from business ASAP. I have added a complaint to the BBB, the Attorney General, and contacted my lawyer. I wish the rest of you good luck.

They lie all the time. I called to confirm my payment amount on a home modification loan, but the amount given was not correct (short by $9.00) and I got kicked out of the program. $3219.00 a month - if I can afford this amount, why would I not pay the $9.00 extra? Please be aware of their tricks!

I thought I had done my HARP homework, but I didn't realize that you can go through any mortgage broker with HARP, not just the one who owns your mortgage. It took 11 weeks for Greentree to reject my HARP application, 11 weeks of lost paperwork, not returning my phone calls, numerous promises that they would review my file by the end of the day. And they still turned me down because they said my house value was at 90% of what I owed on it (which I thought was the whole point of HARP, but I had enough of them at this point and wasn't going to argue). Do not use them for HARP.

For a comparison, Quicken Loans also turned me down (they said it was because I owed too much on my Home Equity Loan), but they did that in less than 5 hours. 11 weeks vs. 5 hours, how much is your time worth?

On Sunday, 3/18/2012, Greentree Mortgage Company in Rapid City, SD authorized Five Brothers Default Management Solutions in Warren, Michigan to drill out and replace front door locks of our 55+ community empty apartment in Dania, Florida. Furthermore, a realtor-type lock box was installed at the front door, both the electricity and water were turned off from the inside of the property, all toilets were sealed with hygiene tape, all kitchen cabinets were left open, and a large sign was posted at the front window that the property was under "Five Brothers' full control." Again, it was done with no legal basis.

On the same day, a police report was duly filed with Broward County Sheriff's office. To date, we have complained to several dozen state local and federal agencies, 5 state attorneys, and dozens of newspapers and TV channels. We consider that this was an illegal act of breaking or entering without any just cause, legal reason, or human excuse, since our loan has always been on time and all our obligations with Greentree Mortgage Co. have always been in order. We are of "clean hands."

There are close to several thousand consumer complaints against Greentree Mortgage Co. commonly found in simple Google searches. Even consumer death lawsuits were filed against Greentree for their aggressive tactics and Mafia-like business intimidation actions. Further, numerous calls were placed to Five Brothers and Greentree to attempt to get an explanation, in which we were ignored, abused, and hung up on. As of 4/25/2012, no legal explanation as to why Greentree Mortgage acted and continues to act in this manner has been offered.

Due to our complaints throughout the nation, we received a call on 4/11/2012 by Greentree representative Jason ** at 1-800-839-9188. According to Mr. Jason, the unit was ordered to be forcefully taken over by Greentree Mortgage Co. simply for the fact that "it was empty" and they had the legal right to do so, which we vigorously protested, since we never heard of this. This has always been our investment property and purchased as so, and all of our income taxes reflect this fact.

Mr. Jason promptly promised an apology letter, and 24 hours later, Five Brothers once again attempted to take over our property 2 days in a row. We were inside trying to prevent this. Our original loan was with Countrywide, which was subsequently sold to Bank of America and since September 2011, is now with Greentree Mortgage Co.

In summary, Greentree Mortgage Co. acted illegally in actually taking our legally owned property with all payments made on time. In conjunction with thousands of complaints against them commonly found on the internet by typing in Google "complaints against Greentree." All complaints are valid, unnecessary, and unwarranted. Greentree boasts on their website about their "great collection practices and having the best collection methods in the industry."

Damages include 1) $250. We had to replace all Greentree Mortgage Co. locks with our own. Previous locks were destroyed and drilled out. Front metal door was also damaged. 2) $1,500. We cancelled our 30-year anniversary vacation tickets (non-refundable) to Spain leaving on 3/25/2012 (1 week after the drill-out of our locks). We could not leave the country with this mess on our hands. 3) $99. We purchased Europe Garmin Road Map.

My most recent, and definitely the worst, issue I've had with Green Tree was when I fell behind on my March payment due to severe financial hardship. I kept in contact with Green Tree to keep them up-to-date on my situation. My grace period came and I still didn't have March's payment and April's wasn't looking good either. I called again to let them know what was going on, but because I was calling from the phone listed on my account, my calls were being routed to the person assigned to my account, Suzanne. I left several messages with her, but I never received a call back. Finally, I called from a different phone and didn't enter my info and reached someone else. I told him the situation and he said I didn't qualify for the HARP because I was already past due, but I qualified for the HAMP.

I asked if we could get started on the application process and he said I needed to speak with Suzanne because he didn't want to step on anyone's toes. I was disappointed, but I continued calling Suzanne to no avail. I ended up sending a feedback to Green Tree explaining how unfair it was that I was only permitted to speak to one person and said person never answered the phone and never returned my calls. I never received a response to that feedback either. On April 02, I called the HOPE hotline because I didn't know what else to do. No one would help me at Green Tree and I couldn't reach my assigned person. The lovely woman at HOPE hotline, Monica, wanted to help me. She 3-wayed Green Tree and we spoke with Marla, who said I could speak to anyone about my account and it wouldn't be stepping on anyone's toes. She said she would take the application for me, but we first needed to set up a payment plan over the phone to keep me out of default. I told her I could guarantee a payment on April 13 since that was my husband's payday.

Marla stated it wasn't a good idea to make it the same day as a payday and suggested setting it up for April 15. I agreed to her suggestion. She then suggested we do the same for May 15. I agreed. Next, we started the application process, but we had to stop due to issues with the new system recently installed. She said I needed to call back to complete the application and told me to gather all the necessary documents and print out the paper application for the HAMP. She then stated after I complete the application over the phone, that I'll need to fax all materials in. I called back the next day and spoke with Suzanne. I told her why I was calling and she said she'd continue the application. She began asking questions that were entirely different from those asked by Marla. She then stated I needed to set up a payment plan. I informed her I already set one up with Marla the previous day. She said the payment plan was unacceptable and I needed to set up a payment plan to prove intent if not approved for the HAMP.

I was totally confused. I told her (Suzanne) Marla said these payment plans were acceptable and would keep my loan out of default. That's when Suzanne said my loan was already in default and the next step is foreclosure. I was blown away. I began questioning what Marla said to me and Monica the previous day. Suzanne then said the loan belonged to her, not Marla, and she makes the decisions on the loan, not Marla. I asked to speak with Marla and Suzanne said no and that I needed to speak with her since it was her loan. I told Suzanne I didn't understand what was going on and how confused I was. She placed me on hold and then a man came on the line. He stated, "I understand you have a problem with Suzanne." I was even more confused. I was never rude to Suzanne nor did I raise my voice at her. I was simply confused why her info was different than Marla's.

The man then stated I needed to set up a payment plan. I told him I set up payment plans with Marla, who assured me they were sufficient and would keep me out of default and that Suzanne stated I was already in default. I explained to him I am completely confused by the entire process and the different information being provided. He then stated the payment plan in the system was unacceptable because I would still be a month behind. Then he said I am not showing good faith that I can afford this loan and that I need to come up with the money or need to short sale on the house. He then stated I don't even qualify for the HAMP because I'm not working and can't use my husband's income because he's not on the loan.

I told him the way I was being treated was unfair and that I was told I qualified for the HAMP program and that program used household income, not just borrower's income. He then stated I was told this was not a guarantee and should have had a backup plan. I tried to ask more questions and he kept interrupting me and said I needed to set up an acceptable payment plan which was regular payment plus extra. I told him I can barely come up with the regular payment, so how can he expect me to come up with extra? This is why I am asking for help. That's when he said I am living above my means and it's not his nor Green Tree's problem. He then told me my best bet is to short sale on the home since I obviously can't afford it. I was so angry and hurt that instead of trying to reason with him, I hung up.

I called the HOPE hotline again a couple of days later trying to reach Monica, but she was busy. I explained what was going on, so they sent me to a different woman named Patrice. Patrice said unless Fannie Mae changed the policy within the last month, household income, not just borrower's, is used for HAMP application. She 3-wayed Green Tree with me and we reached John. I asked him if he was the same man I spoke with on 4/03 and he said yes. Patrice spoke for me and told him all the issues I'm having when I called in and what was said to me during my last convo with Suzanne and him. He then stated it wasn't him we spoke to, it was Ernie and that the info I was told was wrong. He stated we can use my husband's income, but the HAMP application would actually hurt me because it would increase my monthly payments. I didn't understand how that could be when I'm providing the same numbers for his income when I call in. He said he didn't understand why I was being told different things and he would send emails to everyone I spoke to about the misinformation. We ended the call with him and Patrice suggested I contact Fannie Mae who simply said I need to contact Green Tree.

I gave up on talking to Green Tree and then I received a call from Jack. He was the most pleasant person I had spoken to at Green Tree since my loan was sold to them. He said he was calling to set up a payment plan. I told him what had been going on and that I have payment dates already set and if I came across extra money, I'd send it in. He accepted my answer, apologized for all the inconveniences, and wished me good luck. On 4/16, I had a missed call from Glenda at Green Tree. I called back immediately and reached Suzanne. I told her I was calling for Glenda. Suzanne then told me she received a message from John stating I'm receiving different info from people when I call in. I told her that was true. She then stated they've never given me different info.

I explained to her (Glenda) I document every call between myself and Green Tree and I have the data to prove it. She then went on about what I need to do to bring the loan current and I reminded her I called for Glenda and would like to speak with Glenda. She transferred me and Glenda told me she was calling to see what was going on with my payments and to tell me I was 46 days past due. I told her it's all in the notes and I don't want to deal with it anymore. I told her when I get extra money, I will send it in. She kept pushing for me to set up a payment date other than the ones I set up previously. I told her I'm not going to make a promise I can't keep and I would appreciate if they would stop trying to pressure me into doing so. I told her I have nothing but trouble when I speak to agents over the phone at Green Tree and I'm tired of giving the same info over and over again and receiving different answers from everyone. She then stated, "We don't give different answers. We simply use different words that may be hard to understand."

I told her (Glenda) not to insult my intelligence and that I log my calls and have the data to prove all the differences in responses I've received. She then went back onto the subject of a payment plan stating, "You need to set one up for the 30th because you've defaulted on your loan. We have the payment you set up for yesterday, but we've sent the default notices out and we can do that and the next step is foreclosure." I told Glenda I know exactly where I stand as a homeowner and as I said before, I will not make a promise I can't keep. I told her to have a good day and ended the call. The good news is my husband was able to pull enough overtime for us to come up with the extra payment. We are now current on our loan. The bad news is we still have to do business with a company like this and it sickens me. I apologize for the length of my complaint, but I'm just glad to have the opportunity to share it with others.

Due to loss of income, home was listed for short sale. On 1/30/2010, notified the primary lender (HSBC) and secondary (Greentree). Application was all verified and forwarded to both by realtor. A few months later, Greentree contacted the realtor stating additional funds would be needed as they process the app for short sale. Money was forwarded. This process of requesting additional funds was done again with the promise of settling the loan. On 9/2010, HSBC approved the short sale. They had a buyer for property. On 11/2010, a letter was received from HSBC stating short sale was denied as Greentree would not agree to release their lien. The realtor contacted both lenders by phone and correspondence regarding this matter and to also let Greentree know that homeowners were willing to give additional money in order to have lien released, but the realtor was told that the account was in the collections department. Home was foreclosed due to Greentree not releasing lien. After 2 years, Greentree is trying to collect on loan.

We had a second home equity line of credit with BofA that was sold to Greentree. At the time, we'd completed a loan modification on the first and was working with BofA on the second. Instead of going through the modification for the 2nd, we paid the account up-to-date. During this time, we got a notice that Greentree would be the new servicer of the account.

So I called Greentree after getting a notice that we were in default for the full amount. I asked when we would get our monthly statement, so that we could send our payment as originally contracted with BofA. The woman, Clarissa **, went off, stating that they don't honor the deal that BofA sold them. She spoke so fast I could hardly understand. Basically, she said we can pay a settlement with some very unrealistic terms. I said we can afford the $250 a month. She said, "That is unacceptable." The minimum she'd take is maybe $5000 down and $500 per month for 42 months. We don't have that money, plus we'd then have a tax liability on the written-down amount.

To say she was screaming at me when I said I'd get back to her by the end of the month is a gross understatement. She had to have a response now, or they would foreclose. I said then I'd get back to her in 3 days. She called today, and I said we haven't made a decision. I refused to give her my domestic partner's number, and she screamed that she could find it and then hung up on me. I feel like the Mafia is at my door ready to break my knee caps with a bat. What can be done? Thanks for reading this.

I was a Bank of America customer who moved my account to Greentree in Nov 2011. Somehow, a small late charge of $35.40 was attached to my account during the transition. I have been since trying to resolve the matter. BofA said they could not credit my account, as they are no longer my lender. Greentree said they do not credit late charges that are not their fault. Greentree refused to do anything to resolve the matter, quoting policy. My latest discussion with James at customer service (1-800-643-0202) did nothing more than quote the policy. This is the most frustrating business I have ever dealt with.

Bank of America sold my mortgage to Greentree Finance in Fall of 2011. I have made my monthly mortgage payments on time every single month. I paid my April bill on 4/2/12. It was posted on 4/5/12. Greentree Finance credited my payment to someone else. I caught the mistake by noticing that Greentree posted the wrong account number on the back of my cancelled check. The matter was reportedly "resolved" on 4/17/12 with a phone representative (after dealing with 3 prior GT agents who were rude and assumed that I was a deadbeat). Today, 4/20/12, I received another call from GT asking me to set up a payment plan for my missed payment. Absolutely ridiculous!

This complaint is about an employee by the name of Chris ** and Green Tree Servicing losing important documents. Chris claims to be a manager in the recovery department of Green Tree Servicing. Today, 4/18/12, I called at approximately 3:48pm to ask questions about the fraud affidavit form I received for an account that is under investigation for fraud. After being transferred a few times, I ended up speaking with Chris **. Apparently, he could hear frustration in my voice because he immediately reacted by telling me that I do sound upset and he is going to be very careful with the choice of words he uses with me. After conversing with him about the account, he placed me on hold to research any scanned documents that were on file. On file, Green Tree should have 9 or more documents that I faxed in two times, once on February 22, 2012 and the same exact documents faxed again on March 6, 2012.

When Chris ** returned on the line, he advised me that there seemed to be only 2 documents on file. I said this, "You have got to be kidding me. I can't believe this. You have got to be kidding me." He told me that I need to stop and treat him with respect because he is trying to help me and he is treating me with respect. I told him that there was no reason for him to tell me that because I was not upset at him, just at the situation in general and because my documents were lost. I told him if he was going to take my reaction about the situation personally, then he should get another manager on the line who can handle this. Obviously, as a manager himself, he was already not handling this very well. I was extremely concerned about the documents I faxed in two times and how no one seems to know where they are. They contained copies of police reports, driver license, social security card and a written statement. I was not angry at Chris, just upset about the situation in general.

After I asked him to please get someone else who can deal with this better, he immediately became extremely irate and belligerent. He screamed so loud at me into the phone, I had to remove my ear piece from my ear. I was in complete and utter shock at the way he was screaming at the top of his lungs at me. I, of course, became extremely upset and began trying to talk over him. I demanded another manager on the phone, but he absolutely refused. As he continued to scream belligerently, I put the phone on speaker so my boyfriend could hear. Chris ** continued screaming at me. My boyfriend was appalled at the way this man was screaming at me. The conversation ended with him telling me he is going to disconnect the call even after he finally heard me request another manager. He actually ended the call and obviously ignored my request. I was trying my best to hold back my tears, but I just couldn't anymore. I cried as I dialed the Green Tree Servicing number again.

When the first representative answered, he heard how extremely upset I was and immediately transferred me to a manager by the name of Chris **. Chris ** listened to my complaint as I cried about the way I was just treated by a manager in the recovery department. Chris ** confirmed that yes, Chris ** was an employee in his department, but was uncertain if he was a manager. He seemed very concerned about my complaint and promised this would be investigated. I did ask Chris ** if the calls were recorded, but he only said that they can be or they can't be. But he was definitely going to investigate this situation and report it so they can see if the call was recorded. I tried to contact upper management such as the CEO or President, but that is nearly impossible. I ended up contacting the human resources department. It was a voice messaging system. I left a message with some details about the situation and left my name and phone number for a call back.

I can't go back in time, but I really do wish I would have recorded that conversation on my phone. I really do hope the company investigates this situation, finds that the call was recorded and terminates the employee immediately. It was the most horrible experience of my entire life. The other issue is when I first contacted Green Tree in February 2012, I spoke with a customer service representative by the name of Glenda **. I explained to her I was a victim of identity theft and I need to know what to do for this to get resolved. She explained to me I needed to fax copies of the police reports, my drivers license, my social security card, and a written statement explaining in detail why this is not my account. I faxed this paperwork on February 22, 2012 attention to the fraud department. Per **, this is where I was supposed to fax it.

A week later, I had heard nothing from Green Tree, so I decided to follow up on the status of my fax. I called on March 6, 2012 and spoke with Tamika. Tamika refused to give me her last name and said they don't have extensions, but gave me operator number, **. She told me there was no faxed documents on file from me. I expressed great concern because, one, I'm a victim of identity theft; and two, a copy of my social security card and driver's license and information containing my address is lost somewhere. Tamika asked me to re-fax the documents again. I faxed copies attention to Tamika again. This time I made sure to send copies of the first fax confirmation along with the other documents.

Again, I expressed deep concern regarding my lost documents. Tamika assured me she would talk to Glenda ** to find out if she has these pertinent documents sitting around on her desk. After today's call, no one seems to know where any of my documents are located. When I had previously talked to Tamika, it was only then when it was explained to me how the fraud process worked and how I would be sent an affidavit that would need to be completed within 60 days. She also explained to me there was not a fraud department. I feel strongly that these issues with the two sets of documents not being located and the horrible treatment by a manager needs immediate exposure.

In late September, I was pre-qualified for the HAMP program on BOA website and then again through a 20-minute phone interview process. I completed the paperwork and sent it in by the date due. However, while I was doing my part as instructed, BOA was selling my loan to Greentree, or dumping it rather, effective Nov. 1st. I was told my HAMP paperwork was received by BOA and they would be transferring it to Greentree to be handled. Greentree representatives have been extremely rude and unprofessional from the beginning. After a month and a half of runaround about my BOA HAMP paperwork, I was told that I would need to answer Greentree's pre-qualification questions over the phone and then fill out their paperwork "because we handle it a little differently than Bank of America."

I did all this and between being told by my account manager that they have a hard time finding and processing paperwork and that I would need to complete it and send it again, they managed to forget to tell me for the five months that since my loan with them is now a Fannie Mae loan that I wouldn't be able to access the HAMP program due to the imminent default rules they have of having been through a death, divorce or disability that is causing the financial hardship. But my account manager made it clear that I did have to continue to pay or else I wouldn't qualify. He also told me several times that he was going out of his way by speaking to me and helping me, and that helping me try to access this program wasn't in his job description.

Of course, I wasn't able to speak to anyone else there like the department who was in charge of helping the homeowners with HAMP or HARP. I don't believe there even is a department. I emailed the contact listed at the bottom of their website after I completed the HARP application online on March 5th. I still have no response to my email or any information about if my application was received and is being handled by anyone.

Every time I call to ask my account manager for time frame issues, he extends the time frame. Thirty days became 60, then they are five weeks behind that but don't forget, "If you fall behind on a payment, you won't qualify for any programs." I think Greentree's position is to string you along with hope that they are helping you (just hang in there for a few years) while continuing to remind you that you have to keep paying them even if you have to cut off limbs to do so. Something needs to be done! And, as I see on here from most others, our escrow amount went up upon moving to Greentree as well - $120 a month! I was told they require a higher amount to be held in escrow, as if we weren't having a hard enough time making payments!

I searched the HARP program and reviewed Greentree's website that said they would go loan to value at 125%. When I applied, I was told that I was more than 105%? The website quoted 125%. I inquired and was told that was a mistake. It made no sense, just another put off. All of my paperwork was submitted timely. I am again trying to see if I can get a HARP loan to go through. I understand you can now go to other banks for the HARP program and do not have to stay with the same loan originator. I will update my status but for now, not so happy!

Unfortunately, Countrywide sold our loan to BOA. I had absolutely no problem with either. Eight months ago, BOA sold us to Greentree. Beginning the 6th of every month, they call me everyday to remind me to pay my payment, and ask if I need their address. Today, they even called my work. I have never been late on a payment! I have called their customer service and they are extremely rude. I am so upset with this company, I can hardly see straight!

I, too, am a victim of the BofA sell off. These people are worse than debt collectors. I finally got them to stop calling me constantly at all hours of the day and night about my payment. I, too, always pay just before the deadline as the home this mortgage is against is a rental, so I need 5 days for a rent check to be received and about 5 more days to be sure it clears. I always hand-delivered my payment in person so I was sure it was received. These folks take a minimum of a week to get around to posting a payment, so now I'm forced to mail a check on the 8th in hopes they can bother to process their mail by the 15th. Further, I have had perfect payments on this loan since spring 2007. They have now claimed I paid late as they processed the January payment on the 18th, the Wednesday after the MLK holiday Monday.

At that time, I was mailing their payment on the 9th so it would be my expectation that they had it on Friday the 13th and could well have posted it timely. Further, this is a Fannie loan and I've contacted other sources to try to refinance under HARP 2.0. Most lenders have an upside down cap and this property is way under water (AZ condo). I actually wrote to John McCain's office who referred me to a consumer affairs office to look into my allegations that the loans were sold off in anticipation of HARP 2.0 and BofA didn't want to have them forever at very low interest rates and all the processing the refinances would have required.

I'm stuck in that I cannot refinance with these folks and so far, no one else as the 2.0 rules keep changing day by day and I'm just sitting out here paying my bill on time as I always have and yet again I am the victim of doing the right thing so there is no bailout for me, I just get to keep paying on a 6.75% loan for the remaining 25 years apparently to fund all those who get lucky or were unpaid and got refinanced. I would love to see a class action lawsuit against these folks. I actually last asked Greentree to sell my loan back to BoA and would hope they would find a way to get this refinanced. I also have been in phone contact with persons in BofA's Office of the President, they told me, but they claim they cannot help. I asked them also to find a way to repurchase the loan and refinance it. No response for over 2 weeks on them looking into it.