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Greentree Finance

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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.

carisa of phenix city, AL October 31, 2009

greentree financial is the worst thing that has ever happened to me and my husband...if we are alittle late on our payments they start calling me on my job and his...they have even called our neighbor and told them that they were gonna come repo our mobile home and asked personal questions to them...we were late but that doesn't give them the right to be telling our business to others and that should be private.....they are the worst and we asked about refinacing our home since we have been paying for 11 years and they said no....they have been asked to not call us on our jobs and they continue to do so......something should be done to them!

Ken of Farwell, MI October 28, 2009

Being in construction and living in Michigan, times got very tough and did so quite quick. I was paying on a so called "construction" loan at 12.5% interest rate and my payment was over 1000.00 per month. We tried and succeeded to make these payments for over 6 years. Granted there were flaws in my payments, but I sincerely tried. I begged for my interest rate to get lowered and thus my payments which would ensure that I could continue to pay. Greentree refused to work with me. For over 6 years this went on.

Finally I fell too far behind. Greentree foreclosed. They told me they would not try and come after me for any balance if my family and I moved out immediately. Thankfully I found a nice little home to rent and moved out. The problem is not that I don't understand that if you don't make your payments they have rights too. I just cannot believe Greentree refused to work with us. They were very rude, calling me names (i.e. liar, loser, thief, etc) and if I am not mistaken they lied about being able to come after me for the outstanding balance once the house was sold.

I can't understand why they were unreasonable and unwilling to work this out. There were obvious self worth issues that I dealt with. My family had to go without much in order to make our payments. We were put out of our home in January of '09, one of the worst months in Michigan winters.

sandra of sunnyvale, CA October 27, 2009

I live in a mobile home and my loan has been bought out by various companies and has been with Green Tree for the past number of years and I have about five years (19,000) left on the mortgage. About six years ago, Greenpoint now Green Tree (Conesco?) represented that their insurance covered more than my insurance policy with State Farm and I switched. I have been paying the insurance bi-annually, and send a separate check for the insurance and a separate check for my monthly mortgage payment.

They consistently credit my account wrong and bill me for insurance with my mortgage statement. I call them and straighten out the problem. However since September, they have not credited my insurance payment correctly and I have been receiving phone calls and past due payment notices on my mortgage statement. I have called their customer service a number of times in the past few weeks and as usual, explained the situation, and I was told they would straighten it out. I am still receiving harassing phone calls and the statement has not been corrected.

Dorothea of Seguin, TX October 14, 2009

Phone harassment Green Tree Serv) has been calling our house repeatedly for the last three months, starting in July. They ask to speak to a person called Emilio Hernandez, usually via a pre-recorded message. When I finally got a live person, and said who we are, they were very rude and would not tell me their company name. I have told them repeatedly that they have a wrong number, to no avail. So finally, when those calls exceeded 3 per day, I bought a phone with caller ID.

Before this purchase, I also did repeatedly ask them (Green Tree) to stop their calls and check their information. This did not work. I have never had any business with this company, nor do I intend to. Lately, 2 days ago, I got bombarded with "toll free calls", again with pre-recorded messages and the odd comment on the answering machine that Hernandez is supposed to return this call. I have also received messages on my answering machine from Conn's. They are also asking for Hernandez. It is very tiresome to answer the phone and hear that you are supposed to have this person in your house when you do not.Companies involved: Green Tree Serv and Conn's.

Deidra of Chula, GA October 5, 2009

I have been harassed by "Chad" for late payments. I have had problems paying on time because of lack of work. He takes it upon himself to call my friends and family and harass them when it is not their business. I certainly do not appreciate this. Mom and dad are retired and live on social security and a small school pension of mothers. They help all they can and "Chad " tells them he has helped me for 5 years or longer (which is a lie). I am trying to make my payments and have so far. I stay within one month late most of the time there has been a problem. I always come through and pay them. I have had a hard time keeping work and he tells my mother I may need to find another job. She told him she would like for him to come find me one and all the other families that are hurting for work right now. He starts calling me the minute I am a day late and doesn't stop until it is paid. I fell and messed up my knee in February and was supposed to be off it for 6 - 9 months. After 3 I went back to work when a load came available regardless of what damage it could do in order to make a house payment. I have kept my double wide mobile home in real good condition and wanted to live in it for life. I could have built or bought a home worth lots more for all the extra finance charges and interest I have paid Green Tree that really was not explained to me at time of purchase. I would have never agreed to pay that much for a mobile home had I known that. I was not as atuned to extra charges and fine print as I should have been. That's my fault, so I am trying to pay it off as agreed except I cannot always be on time. I have tried to refinance but no one will refinance a mobile home. He always threatens to come get it. He knows my story and I don't understand why he can't be nicer and quit with the threats, harassing calls and calls to my friends and family. I would give anything if I could get the money to pay them off but the balance is too high. I have paid almost 10 years and I can't give up now. I have been put on three different anti-depressents because of all this harassing and worry.

Sylvia of Humboldt, TN October 1, 2009

I have tried to reason with Green Tree. At the beginning when I was employed I had no problems after losing my job there was no compromise. I have received harassing calls and threatning letters. After sending a payment I received not 1 but 2 letters (same day) stating they received payment but still had taken Necessary steps to gain property.

After notifying Green Tree to ask for assistance (Payment) I was told to borrow money from relatives after borrowing money to try to update payment. I still had no one at Green Tree to help me instead I was given the run around along with "Payment Default." I suppose to be geeting a deferral for Aug and Sept. But i will believe it when i see it. By the way this nightmare started with me June of 2009.

After visiting site I realized so many other have gone / going through same situation. I really would like to settle this matter without losing my home. Or instead of sending our money to Green Tree. We should all get together in send it to a Attorney.

agena of indianapolis , IN September 23, 2009

Green Tree bought my loan for my house (not a moble home)from Ocwen and I was on a fixed rate, but when Green Tree bought it in April of 08 I cont. to send in my 553. that Oct I was sent a letter by Green Tree saying I was 1300 behind. I called them up and spoke with George and he said when they bought my mortgage from Ocwen my payment went up but couldn't tell me why. I money gramed them the 1300 I then received another letter the next month saying I was 2 mnths behind and this has gone on since then. I called the Homes made affordable # and spoke with someone who said I qualified for a loan modification and for me to call my lender so I did and Green Tree keeps telling me they don't have that packet yet so you will just have to keep making your payments. I am right now 2 months behind (because they have raised my payment and I am on disablility), I called to make arrangments and was overtalked and told I had to get them the money in now. I told them I couldn't send them anything until the 3rd and was told by Shanna (who said she was a supervisor) that after midnight the deal was off the table and they would start to forclose. I told her "Well good luck selling my house because house in my neighborhood were not sell" She then said we would do a shortsell and come after you for the differance. I asked her how if I am on a fixed rate could you raise my payment over 100?

She said the reason your payments are not the same every month is because the value of your house changes each month. I just told her that was BS because my payment has never changed with any other mortgage company. They do call over 20 times a day and they are calling my parents 10 times a day. My parents have told them I don't live with them and they have nothing to do with my mortgage (not a co-signer or anything) and are on the no call list, but they don't listen and they are still calling them. I told my parents to sue them for harrasment. I have tried to refi. but because I am behind 2 months I can't find anyone who will refi. I don't want to take out any extra money I just want away from Green Tree and back to paying the amount I originally refi'd for. I spoke with several different companies that said they don't know how Green Tree raised my payment if I was on a fixed rate and they don't understand why Green Tree has my loan anyway because they do just moble home and double wides.

Hilary of Morriston, FL September 21, 2009

Hi I am submitting this on behalf of my mother. She has been dealing with Green Tree harrassing her about late payments and such since my fathers death in 2007. Their home was financed solely in my fathers name but my mom is the owner of the property. My mother immediately after his death submitted his death certificate but still 2 years later is receiving calls from them asking for my dad.

Recently she received a phone call stating that she could continue to live in the home and they would take her payments but she would never own it so she asked them to come and get it off her property and she was not making any more payments. She has recently purchased a new mobile home that is waiting to be delivered. Greentree also filed a lawsuit against my mother for nonpayment and illegally detaining the home. When she appeared in court it was thrown out of court.

My mom was told that someone would be there to pick up this mobile home last monday so we emptyed it and mom is living in a camper trailor in her back yard with her 11 year old grand daughter that she has custody of. No one has come to do anything to move this mobile home and are now telling me that it will be mid October until they can move it. They are willing to let us have someone else move it to the side of her property but we have to pay for that out of pocket.

Patricia of Brooklet, GA September 21, 2009

My father purchased a mobile home for me in 1996. This stayed in his name, well he died in 2006 and since then Greentree has made my life as well as my family's life a living hell. They do not want to work with you on anything, they have called repeatedly and harrassed myself, cussed out my children, called my mother, who is the administrator of his estate, my sister, who has nothing to do with this loan, they talk about the account, totally breaking client confidentiality.

I have been making all payments on the home for over 13 years. I lost my job and have had problems making the payments, I am NO WHERE on this loan, my name appears no where but they continue to call and harass me and my children, my mom and sister.

At this point, they can come get the house, I am not legally responsible for it and can walk away. If anyone is considering purcasing a home and needs financing, please do not use Greentree. they are heartless and rude. Cant something be done about the harassment they are inflicting on my family?

Liz of Kinston, NC September 12, 2009

I called and found we owe 318.00 for September 2009. The lady I spoke with asked for our debit card # (my husband's) he authorized the 318.00 but then she stated there was a 12.00 processing fee so he said we would send a certified check and she said this matter has to be taken care of now. So I went back in the yard -he was cutting grass and asked about the processing fee of 12.00 and he said no.

I went back to the phone where she was waiting and told her that he agreed to the 318.00 but not the add'l fee. She became angry and said she would report this to Regional-so I asked what that meant and she said it meant "Refusal to Pay" and hung up on me. We have paid for this 31,000.00 mobile home (1300 square feet) for 15 yrs. That means we have paid 56,100.60 including the interest and it is on a brick foundation.

We plan on sending a money order or certified check today for the 318.00. if they refuse my husband said he will get a lawyer. I don't know what will happen I guess the next knock on the door will be from the sheriff -will keep you posted but I would not suggest using Greentree to finance your home -the calls are relentless if you are 2 days late -or as in our case my husband unemployed for 2 months. They are trained to take the human element out of an given situation & they keep a car on the track with Greentree plastered on the front of it-so apparently they are doing well.

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