Provident Funding Associates Reviews

Provident Funding in San Jose, CA is stinks. Underwriter initially approved the refinance amount, then requesting a lot of documents (documents of your business 3 years ago, bank statement of anyone who sent/received money from your bank acc), greedily wanting to involve more borrowers for the security of loan. If not possible, they simply rejected the loan no matter what effort you put. At the end, borrower is the one got hurt: time, money, effort.

I requested an appeal to a decision to hold my ACH mortgage over-payment until I showed proof that my bank account had a positive balance. The appeal officer restated an earlier position which was not an resolution. I was fully cognizant of their rationale for delaying my ACH posted over-payment. They wanted to wait more than 10 days to return my ACH posted over-payment. ACH electronic transfers like my over-payment only take hours and not days to clear.

I was doing a cash-out refinance on one of my paid off rental properties. This is the most ridiculous lender I have ever worked with and they ask for a lot of documents ridiculously, including my 401K Summary Plan Description, which I never knew what the heck it was before until they asked for it. They also asked me what I would do after the refinance with the money. I told them I am doing it because I want to have a smaller cash flow for tax deduction purpose but it sounds like they just want me to have a plan to make more money with the cash out money. I never had a lender before EVER asking me this kind of ridiculous questions. Why do they care about how I use the money after the refinance? !

For 5 years we have made timely payments on our mortgage to Provident Funding. April payment was due April 16, and I mailed the check on April 9. It was not processed until April 17. I was assessed a late charge of $69. When I asked for a waiver based upon my past timely payments and the one day delay, I was refused by both the phone clerk and his manager. I am livid as the mail delay was not my fault.

When I contacted Provident to learn about recasting our mortgage, I was told I needed to send a letter specifying what we wanted to do and to include a check for the amount we wanted to include for the recasting. I was told nothing else. I did as I was told and sent the letter and our check. Our check for $185,000 was deposited on March 5th and I heard nothing else until I contacted Provident on March 29th. At that time, I was told I had to return a letter I never received by March 19th for the recasted loan to be effective in April. For the life of me, I can’t figure out why they did not contacted me on March 20th, the alleged due date, when they knew I wanted to recast our mortgage, signified by them depositing our check.

My husband and I have been clients of Provident Funding since Heritage Lending sold our mortgage to them. My husband passed away March 1, 2019. I made my normal payment over the phone as always in March. I received a letter in mid-March advising of an escrow deficit. I wanted to take care of the deficit and the payment in April. When I called to advise the company of my husband's death. The agent recommended using their online service, to take care of both. I made the payment and extra escrow payment April 6th.

I am not one to write reviews because there is always three sides to every story but 4 years ago Provident Funding returned our mortgage payment because it was $72 short only due to a change in taxes that we were not advised off and caused a logistical nightmare for a couple of days. Today, I had client who was with them for over 6 years with a perfect mortgage history who paid them off but also had their wire returned because it was $80 a short and a new wire cannot go out until it it hits the system and it came back after business hours.

My wife and I had a mortgage with Provident Funding and we lost everything in the Camp Fire in Northern California. In 17 years we never had one problem with Provident Funding and the pay-off process after the fire was easy and explained well. In our case we drove to Santa Rosa and took care of the pay-off paperwork, gave them the insurance check and received our check from them in 6 days as they said. I have dealt with other mortgage companies in the past that were hard to deal with. Provident is the best I have dealt with and I plan to use them when we re-build or purchase soon.

****ZERO STARS**** This company needs to rot in hell where it belongs, PROVIDENT FUNDING is such a piece of greedy crap that could give two flying "**"'s about their good paying longtime customers. Please, for the love of GOD, do NOT start a loan with PROVIDENT FUNDING ever. If you have always paid on time and were never late making a payment for years and then one day you are late due to a weather related USPS delay, they will hit you with a $45 late fee. No, they do not care about you and no matter how many times you contact them at customer service and explain your situation, they will not reverse the late fee. Nothing will be resolved at customer service and they will hang up on you numerous times (RUDE!).

I tried to sign into my mortgage account this morning but was unable to. I just got a screen saying this website was not private and that they did not have a valid certificate. I have no idea what's going on with my money and have not found a phone number to call.

Zero stars - Similar to other reviewers, I received a late payment fee notice after many years of on time payments. I paid the loan via electronic transfer of funds from my checking account as usual. For unexplained reasons, Provident Funding did not post the payment until 12 days later which resulted in the late payment. Normal processing time is 3 days. When I called them, they maintained that the late payment was not their fault and they would not waive the late fee. Based on the number of similar complaints, it appears that they may be running a scam to collect late payment fees.

Dantan **. #** in "Management" haha what a joke. This guy belittles customers and acts like an arrogant **, then starts yelling at me. I am not sure if he knows what Customer Service means. This company has been horrible from the get go. Don't use them! There is a reason they have terrible reviews.

I am a mortgage broker and work with quite a few wholesale lenders. Provident Funding provided exceptional service to myself and my client, who was a self employed borrower. I was able to speak with a representative anytime I had a question. The documentation was typical for a Self emp. borrower and we closed on time with no issues!

When their auto pay system didn't work as I expected and they therefore failed to retrieve the payment on time, they charged late fee and when I contacted them about this matter, they never tried to consider the whole event from the customers' point of view! All the customer service people are RUDE and it's very obvious that they set up some trap to make customers fall into unnoticed, then they insist that it's the customers' "mistake" even when we pay the fee right when the so call 'mistake' was noticed, the same day when they send out a mail with a 'late fee' notice. Discussing with them about any matter is like talking to a machine that can only cite the 'rules'. Actually, they don't have 'customer service' at all because all the people there are trained to serve only their own business!!! I've heard loan companies that have a lot better service than Providence Funding do! Never do business with this awful company!!!

Things ran smoothly for three years until I eventually had to call customer service about a late fee charge. My monthly loan amount had changed and it was submitted through my bank as a reoccurring automatic payment at the old amount, not late, however when I was notified via email I immediately tried to pay the difference which they would not accept, rather they rejected my entire payment. I had to re-submit a new payment at the correct amount, ultimately my payment ended up being a business day late.

The company took over our mortgage November 2017. They were taking out a large amount for our escrow account to pay our insurance and taxes. Their information said they paid our insurance in December but several weeks later they have reversed the check. Our insurance was not paid. They continued to collect too much money for our escrow account. When I called to get the amount I should submit for my payment, the operator did not know. He said he would call back the next day. He called me back several days later after my payment was due. I missed the payment by 2 days and they charged me a late fee. Poor service, their mistake but I pay for it. I am very unhappy with this company.

Their web security is antiquated and not consumer friendly. They expect you to sign-on each month to review your mortgage. If you don't they require a password reset. I review my mortgage maybe every other month and thus I'm forced to reset my password each time. This is very annoying especially since I use a password generator and know it is very strong. I object to more effort on the consumer's part to access my contract information. I've notified them and they do not understand.

I have had a problem with Provident Funding posting my payment in time not to get a late charge. My payment is due the 1st and late the 15th. I send my.check the first and never later and get late charges because they don't post it. This in turn ruins my credit so now I can't get a loan from other companies and that way they keep my account and can still rob me every chance they get.

The idiots answering the phone lied to me on two occasions. Multiple phone calls and finally asked for a supervisor. She was pleasant and knowledgeable about the foolish and ridiculous rules and regulations. I had a fire which ruined some of the exterior of my house. The insurance company is required to make the check payable to me and to the mortgage company. The first lie was that I was to endorse it and mail it to them. The turnaround time is 72 hours. I called and lie number 2 was they would mail it to me and I could provide the contractors' info later. NOT TRUE.

When the new tax laws went into effect I chose to prepay six months of real estate taxes in December 2017. I called Provident Lending early January to inquire about the way they were handling the adjustment to my escrow and provide me the new monthly adjusted amount. The customer service rep had no idea what to do and advised me to call back. My second call I met another rep who couldn't tell me how much or when my payment would be. Meanwhile Quicken Loans who handle my second property were proactively communicating with me and provided the adjusted amount for January payment! I do not in any way recommend doing business with Provident Funding as they are not quick to understand tax changes and are even worse with customer relations. If there was an option for 0 stars I would have selected it.

I have had multiple mortgages with Provident Funding and have never had a bad experience with them. I just refinanced my home and it was fast, professional, easy and cheap. They have great customer service and follow through. I will do business with them again!

Sadly, my mortgage was purchased by this mom and pop shop. For years I've been making payments every two weeks. Works with my pay cycle, and at the end of the year, I've actually made 13 monthly payments instead of 12. Saves me a ton in interest over the course of a mortgage. Evidently the inadequate bill processing system they use can't handle receiving multiple partial payments per month. My partial payment was rejected with a stern letter of reprimand for not paying the entire amount. I followed the letter with a call to their customer service department. Customer Service agent was polite, but unable to assist in any way as they simply don't possess the technology to process bi-weekly payments. First finance company I've ever dealt with that couldn't handle something so simple. Wish I could force them to sell my mortgage back...

On December 6th I received a notice that my mortgage had been transferred to these yahoos (Provident Funding). Since my payment was due on December 1st and was on autopay I assumed the payment had been made to my previous mortgage company as usual. However, it turns out that my December payment was actually due to Provident. Why they didn't notify me until the 6th of the month I am still trying to figure out. Now I need to monitor my credit reports and make sure they do not inappropriately flag my December payment as late even though my late payment was due to their incompetence. If you have a choice about doing business with these people, don't! Unfortunately I am stuck with them.

Provident asks me to update my house insurance since it was changes recently. I follow the instruction to upload the insurance declaration form. A few hours later, I received an email tell me log in for updated information. I logged online and open the letter. It basically says, "Since you changed your insurance company, Provident will not paid the mid-term premiums." The question is Provident never paid any insurance for me. I paid it myself all the time. The problem is there is no way to reply back to the letter. No chat available. Email response is automatically rebounded. I have to call them and wait for more than 20 minutes to talk to a agent. Of course she has no clue what I'm talking about. Very bad customer services.

I have a loan with Provident Funding. The balance is about $278,000. My house got burned in the Northern California fires. Since my house was 100% destroyed insurance sent me a check for $1,347,000.00. Both names were on the check. I called my lender asking him what to do if I'm going to rebuild my house. They told me to endorse the check and send it to them, they will hold all of my funds during building. So I told them I disagree with them and they should only hold the amount I owe them until I rebuild the house, since they have the money, they have a lien on my house and I'll be paying them interest on the money even while they hold it. They refused. So I told them that I will not do it that way and I will be closing the loan. So I hand deliver the signed check to their office and got a receipt on Nov, 14th.

Provident Funding gives the best and competitive rates, sometimes even lower than credit unions. Also, the documentation process is straightforward. Easy online access.

We had a mortgage with Provident Funding Association since 2003. On April 12, 2017 we paid off our loan to Provident. We expect to receive a full reconveyance of the property to us. Haven't heard from Provident for six months, we wrote to Provident to request for it in October, 17. Few days ago, we received a fax of SUBSTITUTION OF TRUSTEE from Provident and its agent named Fidelity Mortgage as the beneficiary of our property. We wonder if there is a conspiracy of grand thief by stole a property - our life saving - from us as an elderly couple?

We were sold to Dovenmuehle Mortgage by Provident/Paramount last November 2016. They said there might be confusion so no reporting would be done for the months of Nov, Dec and Jan. We WERE NOT late for November, however our payment was not run through our bank for two weeks. I called and checked and they said no worries, moratorium was in effect and they would correct. Well, went to refinance my house and lo and behold if there is not a 30 day late for November of 2016!!! We are trying to refinance and are unable to now. I have called and called and called and gotten nothing but complete rudeness. Experian and Equifax show the account closed for Nov 2106, however TransUnion shows the late. Simple fix. You would think. They are even ignoring the grievance filed through TransUnion. I am ready to hire an attorney. Honestly the worst service ever.

I have a mortgage account with them for more than 5 years. Just yesterday my payment is late one day (first time) and I call their customer service. I want to get the credit for the late fee. However, the customer service represent insist that it is my fault and refuse to do anything. I talk to the manager still the same thing. I really don’t satisfy. I know the banks and the credit card companies can give their customers credit for the reasonable reasons. Why not the Provident Funding? I just want to share my experience to other people. Be careful to deal with Provident Funding!

My insurance sent a lump sum payment for roof replacement and siding repairs in one check payable to Provident and myself. I am having the work done by different contractors but Provident will only reissue the full payment to a single contractor or send a partial payment to me which is not enough to pay the roofer. They refuse to make separate payments to the individual contractors. How stupid is that - you wouldn't have a painter roof your house, nor would you have a roofer paint your house.

Similar to the prior flood insurance post, Provident tried to rip me off for regular old house hazard insurance. I switched insurance companies on 6/26/17, notified Provident by phone of the change on the same day, and submitted the policy to Provident on the same day. My old insurance lapsed on 7/1/17 at 12:01 a.m. and my new insurance began at 12:01 a.m. on 7/1/17. In other words, there was no lapse in coverage and Provident had a copy of my policy in the file.

These guys keep asking for more information. They couldn't make a decision based on the information presented. They think they are auditing the customer rather than make a judgement based on the documentation provided. If your Mortgage Loan Originator (MLO) says these guys are giving a good rate, think twice before you move forward with them. I believe it is not worth the trouble. Their service is awful!!!

This company held my home mortgage from 1999-2013. Sometime around 2008/09, the Federal Emergency Management Agency (FEMA) declared the area my home was in as a 100-year flood plain and I was required to have flood insurance. I found a low-cost policy and paid it for 2 years on my own. Finally around 2011, Provident Funding clued in and sent me a notice stating that I needed flood insurance. I showed them proof that I already had it and they INSISTED that it be put into my mortgage's escrow account. I reluctantly agreed. The following year, the insurance company sent me a late notice that it was unpaid. I called both Provident and the insurance company to confirm the correct address and the insurance company had it correct, but no payment from Provident was received. I called Provident again who assured me that everything was fine and not to worry about it, that it would get paid.

I recently worked with Provident on a home refinance. I used them for a previous loan and was satisfied, so I figured I would try again. Big mistake! This was the worst experience I have had in my life dealing with a lender. They paired me with a very young loan processor who seemed to be overwhelmed. On my Final Loan Disclosure the cash to close was wrong (meaning I was not bringing enough to payoff the loan we were refinancing). This was overlooked by my loan processor and I actually had to call him to let him know that this was wrong. Next, they forced me to close on a Thursday to ensure funding and processing, but my other lien holder was not even paid on Tuesday of the following week. Nothing was smooth in this transaction and I felt like I was working for them by the end of the effort and begging for services that they were charging me for (i.e. getting the settlement company that they use to payoff my other lender).

My loan approval process was so unbelievably simple! The rate on my loan, outstanding, no surprises. I thought it would be too good to be true but it was all as stated. Everything is on-line, which I find much easier. From loan app to funding, under 30 days! Best experience getting a home loan, ever!! I have had zero problems with making my online payments going on their site to do so. I read so many problems from others. Perhaps one of the competitive advantages to Provident is their preference for online? I've actually never had a problem making online payments to any mortgage holder.

Do Not do business with Provident Funding. They have our mortgage, I mailed the monthly payment and they hadn't received it after 20 days. I called to tell them I was going to do a stop payment on the lost check. I told the lady on the phone I would wait 2 more days then do the stop payment. I did. It cost me $43 for the late fee and then $33 for the stop payment on the missing check. Then I made the payment online for the amount plus late fee. The payment clears my bank and all should be fine right? Wrong!!! The missing check magically appears and they go to cash it but it comes back NSF and they charge me another $25 fee. I'm livid at this point, I call and they say I should have called to tell them I did the stop check. I said, I did!!! They say I was supposed to call them a second time to tell them.

I went online to make my house payment on the Lenders Site (Provident Funding) so that I would not have any late fees. This required me pulling funds from my Savings Account and putting it into my checking. I wanted to ensure any bills set up on automatic withdrawal would clear as well. I was waiting for my first check from Social Security as well as my short term disability and was running out of time so I choose to use Provident's portal. Using the number on my checks issued by America First I put in the routing number which results in the bank's name automatically populating and the account number listed on my check. The Portal auto populates with checking as the option for funding. Key Point Here. My back refuses to pay stating NSF because the request came through as a request to debit the savings account and my bank said they are bound by law to honor that request.

I believe Provident put my ex-husband as the primary borrower only because HE is the man. I was the one who put the large down payment down, I was the one paying the mortgage in full by myself because he had no job. When we signed the mortgage, we were both the borrowers. Why in the world they would put him as the primary borrower is beyond me. This has caused me to lose my home to my greedy ex-husband even though I used 100,000 from my inheritance to buy it. I have to call every month to change the online password and login because they let him change it. WHY? Because he is the primary borrower. I would never recommend anyone to get a loan with them!

I am 70 years old not in the habit of complaining! However, I am so angry with my treatment by your Loan/Customer Service Department I decided to go directly to the top. I use checks to pay my bills - I usually post them to reach establishments well before due dates and this usually works. I mailed my December payment as usual. This reached your offices in Santa Rosa, CA on the 9th December. The payment was promptly returned to me with a letter informing me the check was refused and returned because it was "Post dated". The check was dated December 16th, 2016. I received the return documents on December 27, 2016.

Provident Funding was horrible. My husband wanted to refinance our home because of the great rates. We've lived in this house for 30 years and had plenty of equity in it. Plus both of us have excellent credit (800+) and good jobs. We thought this would be easy... boy we were wrong. The scrutiny was over the top, but we turned in document after document and even turned in the same documents 2 or 3 times. We paid $800 for an appraisal fee and had to wait two weeks for them to call and just make the appointment. Then we had to wait another 3 weeks for the appraisal date. Time was not on our side for the lowest rate, so we had our mortgage company lock it in.

I just finished a refinance with this company. I would not use them again and would not recommend them. The approval took a long time. I had to threaten them to use another lender before they responded. I had to contact them every time for updates.

If I could give this company a zero or a negative number I would. In all the years I have obtain loans, this was absolutely the worst. We had great credit, plenty of cash and assets for what I thought was a relatively small loan. The steady stream of requests, inquiries, letters of explanations, repeated requests for the same information. It went on for weeks and weeks. It was literally a death by a thousand paper cuts. The underwriting went on so long, we went past our close date, and then a second extension. In the end we lost our earnest deposit. We had to sign an amended agreement and pay the sellers on a lease/purchase agreement to get our home. Finally after 45 days our loan was approved. If your broker recommends this company, find a new broker or have him give you an alternative loan company.

Refinanced my home. This company was the underwriter. They asked for more documents than you could imagine. Delay, delay, delay. Finally approved and financed my loan. I get a letter from them asking me if I want to opt out of them selling my information to anyone and everyone, I opted out. In the last week, I have received 4 letters from all pertaining to the same thing. I asked for none of this. I haven't even made my first payment to them. And now all of a sudden my spam filter is filling up with garbage. Where before I had 1-2 spam e-mails a day now I have 30, I don't think this is a coincidence. I'm praying that they sell my loan to another company, but I fear they will not.

Applying for a loan with Provident was a good experience. Like the use of online document uploads, and the online mortgage management and mobile app. After diligently paying down my mortgage over the years, I finally reached the point to pay off. With a remaining balance of ~$200, I sent the payment based on the payoff statement generator. Provident then took my check, cashed it and mailed a new check back to me with a notice stating that it was not accepted. This added two more weeks of interest charges, and required me to spend more money on wire transfer fees to meet Provident's ridiculous payoff terms. I don't plan to go with Provident for my next mortgage until they become more consumer friendly with payment terms or reimburse me for additional charges incurred for payoff of my loan. Lastly, this policy is stated in the payoff notice, but it makes no sense for such a small remaining payoff amount.

They encourage you to set up your mortgage payment as an auto-pay, so I've done that. That kicks in on the 5th, IF you haven't already paid the mortgage for the month. Usually I pay right around the 1st, and that's fine. This month, I paid on the 1st. They took payment on the 5th for July. And their auto-pay kicked in (for July). I emailed them, asking not to take a 2nd payment -- I don't have cash lying around for 2 mortgage payments a month. They respond, "You need to pay earlier", and set the request to resolved. I end up getting 2 NSF fees from my bank and a NSF from Provident. This doesn't give me warm fuzzies. They do have good rates, have adequate documentation, and are good unless there are any exceptions. I think in this case, it was the 4th of July that tripped them up, plus customer service that doesn't give a hoot.

I love this company and from my recent personal experience, am shocked by the number of one-star reviews. I just completed a cash-out refinance so that I can remodel my bathroom, and the entire process from the day I first contacted Provident until the money was in my account, was 24 days. I researched rates from all the main banks and many other companies, and Provident's rates were the lowest in addition to having no costs. I highly recommend Doug ** - he walked me through everything I didn't understand or had questions on with patience, understanding and kindness. I truly felt that he was looking out for my best interests.

My experiences with Provident Funding were extremely bad. Please keep these in mind if you want to go with Provident Funding: Any numbers which could be the interest %, MI %, etc., what they tell over phone can never be taken on face value. Insist to get all these over mail, so that they cannot change their words. Expect a very high MI % compared to other lenders. A 50% more MI payment could be expected compared to other banks. They are full of surprises in terms of the closing costs, etc. The figures they tell one day can be completely different the other day. For example, on Friday one of the representative tell that the total money required at closing is X. And when you make arrangements for X, they will say, it needs to be more than X and most surprisingly they don't know what that increased amount is. And of course they have a lot of reasoning for those.

Provident recently informed me that they sold my loan to CENLAR. I've done business with Provident and never had a serious problem. As soon as I learned about the transfer, I paid down the loan by 50%. CENLAR customer service doesn't know its butt from a hole in the sand. After talking to three service reps and waiting for over 30 minutes for a technical rep (who never came to the phone) I finally talked to someone who had worked there long enough to know that transferred loans cannot be set up for automatic payments until after a certain date. CENLAR (ALLY Bank) is desperate to get the business but not smart enough to hand onto it. As far as Provident goes I will NEVER finance another loan with them. They still hold the loan on my rental and if they sell that loan then I will simply pay it off. What a hassle working with these idiots.

I have been a customer of Provident Funding for over 20 years. I have NEVER been late or missed a payment & always pay extra ($500 a $1000 over my payment). My last Feb. payment was received on the 17th due by the 15th. I checked with my bank & see it was received on the 12th. I received a letter from Provident with a threatening rude statement saying my credit was in default & it would be reflected on my credit report!!! When I called them they said yes they received my payment but the bank must have sent it late because of the holiday... I asked if the late charge could be waived & was RUDELY told "no". I will NEVER do business with Provident again & recommend strongly that no one else does either!!

Our mortgage broker found this lender and called them a "pain in the tush lender" but I didn't care because we are serious business minded people. We hold a lot of real estate and we have our act together. We meet quarterly with our CPA, because we run multiple businesses and we make 7 figures annually. Little did I know that this lender goes out of their way to stick it to you. Here are two examples: #1. When we started the process of refinancing this little property the lender and myself as the borrower locked in a low rate and we waited for the closing date. Soon after we locked the rate, the Fed announced they would be raising interest rates. (This was before the sub-prime melt-down in 2008).

We had water damage due to a broken toilet supply line and our insurance company sent us a check to cover the damages which also had Provident Funding's name on it. We had to mail them the check and the first one we got back after several phone calls. They sent us a second check to cover adjustments to their estimate and this time they kept it for several weeks. When I finally called them to find out where the check was they told me that they had just sent it back the day before because we did not include the itemized repair list for our claim. I called my insurance agent and he informed me that he had sent it to them 10 days earlier.

For seven (7) years I have paid ahead of time, on time and never been late. I have always sent my check by mail with the envelopes sent to me and the slip provided. I have always noticed that Provident Funding is very late, clearing the check going up to the wire in the grace period. Well this month, they waited too long and are now penalizing me for a late check. There are two weeks for the US mail to get my check from Michigan to California and for their mail room to get the check to those who need to process it.

When my loan was approved I had to pay PMI because I could only put 10% down. Fine. I love my house, the loan was approved, closing perfect, etc. Except I was told last year when I inquired, that PMI would AUTOMATICALLY be removed when my balance went below 80% of the original appraised value. Okay. I started paying extra principal so the balance would drop faster. When the PMI did not AUTOMATICALLY drop off I sent an email. They responded (first) by saying my original appraised value was $30,000 more than it is. So I rejected that answer and asked them to look at the original appraised value from last year. I stated again that my balance had dropped below 80% and to remove the PMI and reimburse me for the PMI paid that should not have been paid.

I applied for a loan online, got application approval. They said they deposited funds. I had to pull out and send via Walmart visa prepaid. Part of verification I did it twice the money was in there. They called my bank impersonating me, disputed my car payments. Credit was issued for them. That's how the money was put in, not deposited. I believed them. Said 15 min I'd have my 5 thousand dollars. Didn't. They said they would consolidate my c cards and didn't. They kept calling me demanding more and more money. Threatening me and my family with harm. After all they knew my address and everything. Because I withdrew monies and sent it to them by giving them visa numbers.

My husband and I have a year to go on our 15 year mortgage (well, technically we have 3 more years to go, but we've made significant monthly payments of additional principal so we'll be paid off 2 years early). I made our August mortgage payment online through the Provident Funding website on August 13th. I received a confirmation notice that payment was made but didn't keep it (seriously, who does?). Apparently the payment didn't go through and now they want a $73 late fee, which they refuse to waive. According to these scammers, they have a "strict policy" of never waiving late fees. Never mind the fact that we've always paid on time and, in fact, have always paid additional principal ($50-250/month). They said that our account's payment history has nothing to do with additional fees they may charge us (I'll bet that isn't what they say when they want to impose more fees than they've already charged).

I started a loan with Provident Funding a few weeks ago based on a discount that they offered us through my company. I used to have a mortgage with them back in 05 on my old house, so decided to give them another try since we didn't have any issues with them back then- and they were now offering a discount to boot. I didn’t have any issues with their service quality whenever I was working with them to get the loan, and for the short amount of time I’ve had with their Servicing department things have been pretty smooth too. They were pretty upfront with what I needed before starting the loan, and the officer was pretty prompt in getting back to me on my questions. Documents that they needed were pretty standard and sensible (based on my last loan experience through Amerisave). One condition about why side business caused some issues when it was being underwritten but I was kind of expecting that to come up anyways.

We were late due to renters paying late. We received a booklet each time offering help to make payments on time. Interest rate we had was a little more than 7% while the current rate was in the 3% area. They refused to lower or refinance each time the package was sent out. Frustrating that they offer help on the face of it, but refuse when we try. Very frustrating, would never deal with them ever.

I was notified in October of 2013 that my mortgage payment was not received; I had paid by check. I made another payment to keep my account up to date and was charged a $213 late fee. On May 27, 2015 a check dated October 1, 2013 was cashed causing havoc with my checking account. Why did it take a year and a half to cash this check?? I looked at some of the other comments on this site and see that other people have had the same problem. I called their customer service department to see if they would credit me for the late fee and they refused. I sent in a written request to see if they would reconsider and will revise my comments if they do. They are not nice.

My home mortgage was with Provident funding in which I owed approx. $140,000.00 on a $325,000.00 home. Because of a new job we had to relocate from LA to AL. We had our home for sale in LA, found a home in AL to purchase. I consulted with the mortgage rep with Provident Funding and he said that if I mortgaged the full amount of the new home when I sold the home in LA I could apply the equity and have the PMI dropped. Well I applied that amount in 1/2015 and it's now going into June and they still have not canceled the PMI and just sent my check back for the appraisal with another ridiculous excuse why they can't drop it. Too many boxes checked on the cancellation form and said they have tried to contact me, I have phone records people they have not tried to call me. I need a good lawyer or better yet need to file small claims against these people. My advice get your mortgage somewhere else. These people are scammers.

Thank you, Provident, for cancelling my closing just hours before it was supposed to happen. We have wonderful credit and good income but there is always something else needed. I have to change my work schedule around every changing dates and now I am worried that we will lose the house because of these delays. I HATE this company with a passion. I can't imagine what happens if this goes through and we actually have to deal with them on a regular basis.

My mortgage broker used Provident Lending for 2 investment properties I was buying. They approved my loan and two days before closing they ordered a desk review of the appraisal. They backed out of the loan on my closing date. Then on the second property, we actually went through the closing process at the title company. We were waiting for it to fund and 3 days after closing they refused to fund it because they said there was a misunderstanding with my income. I have had the same job for over 9 years and have 9 years of pay stubs to show -- help them understand my income. Wow, very disappointing. I have two times the price of these properties sitting in cash and have no debts. Who do they approve?

These guys are terrible. They will never help you with your loan. We did not choose them as our mortgage company initially but the mortgage company we used the first time sold our mortgage to Provident Funding. Like many Americans we had some recent hardships along the way and reached out for help, thinking they are the mortgage company and they would help us.

I mailed my January 2015 payment like I always have the past 6+ years. I get a notice from Provident my January payment was late. I'm very worried, where is my check? Provident received and processed it Feb. 18. There was no problem with my February or March payments. I'm thinking maybe it was a mail delivery problem in January? But April's payment was late. It was processed/received by Provident on April 23. Either there is a horrible problem with the US Mail delivery all of a sudden or Provident is intentionally charging late fees. Provident's solution to the problem is for me to make automatic bank payments. Why is this the only place I mail bills that is late all of a sudden? Why did it take over 20 days for Provident to receive and process my check in April? Someone needs to look into what is going on.

Unfortunately even though it isn't your fault, we cannot waive the late fee. Yes we SEE that you mailed it in time and unfortunately you rely on a third party when you use the mail so you shouldn't do that. Seriously? Worst company EVER! MY payment was not late & yet they gave me a fee. There is no one to talk to; unfortunately the supervisor has no authority to do anything either. They don't even have the excuse of English being the second language because the people I spoke to were CLEARLY English-speakers & understood this was not my fault, but I am assessed the fee anyway. How does this make sense? THEY got it the SAME day the fee is assessed...according to them. My position is they got it in plenty of time, just someone over there didn't process it which is again my fault how? Besides refinancing, how do I get a different lender? I will never use these guys again. Worst.

I have been making payments on this house since 2003. In 2010 I was riffed from Hillsborough County and got with my broker and was assigned to Provident. When the loan was finalized I was in the hospital with a brain aneurysm and couldn't continue with saving my county job. They wouldn't approve the loan as long as my name was on the loan so my sister resigns all the paperwork and dies 2012, now they won't talk to me.

Unprofessional non responsive company. Lack of social skills and follow through. They do not call back when they say they will and don't return emails or phone calls. I had to file an company and at that got a call back from a supervisor who works in a cubicle. I switch to another loan consultant that still cannot follow through. So unprofessional. My rates went up because they didn't look me in costing me not 2900 original amount but 5400 in two weeks. Good luck if you use these clowns.

Based off my latest annual escrow account analysis statement it reflects I have an escrow shortage of almost $900. I have gone round and round with Provident reference this shortfall and come to to the following conclusions... The escrow shortage is due to a few factors: my actual homeowners insurance and county taxes were more than what was anticipated. Got it; I recognize that and can deal with it. I am fine with making that shortage up. The part I am not happy with is, Provident paid my county taxes very early for two consecutive years. When they pay early, it diminishes the "cushion" in my escrow account. The result of that is they raise my monthly payment to make up the shortage. My taxes are due in January, so if Provident pays in December everything is fine; however, they paid in October 2014 and in November 2013.

I almost lost my house and earnest money because Provident can't competently approve a loan. We had excellent credit and adequate funds for a down payment, etc, and we were prompt in meeting all of their requests. But there was always "one last document" we needed to get to them after we met all of their requirements. The seller of our house eventually couldn't wait for us anymore. We fortunately found a lender that financed our home in less than 7 days. With that sort of reliability to compare to, I can't honestly give Provident any excuses for their lousy performance.

I have been a customer of Provident Funding since I got my loan last year. I've gone through and read some of the reviews and frankly, I think they are misleading and indicative of the lack of accountability that has forsaken this country. For example, you have people claiming they were unfairly charged a late fee and would lead you to believe they were 1 day. Keep in mind it is a federal mandate that you can't charge a late fee unless a payment is more than 15 days late. So when they say 1 day late, they really mean 16 days late.

First of all, it's pretty obvious the "overall a great bank" review is a fake review, probably written by one of the Provident employees because they desperately needed at least one good review. I only wish I would have read all the horrible reviews online before opening an account with them. I mistakenly just searched for a bank with no minimum balance fees. Their website is ridiculously difficult and poorly designed. ** at the North Brunswick, NJ branch is in dire need of customer service training. Not one smile in the entire branch, very unpleasant attitudes. ** took 45 minutes and needed to make several phone calls for help to open a simple account. Very sad. They act as if you're interrupting their day of web surfing if you try to open an account.

I've taken out a mortgage to finance a new home, and Provident's unprofessional conduct almost left me on the street. Even though I was way-above prime as a borrower, they tore apart my finances as if I was a convicted criminal. They conducted this very slowly, in a way that stretched things to the last possible minute (so until the very last day, I couldn't be sure I'd get approved). They also came up with ridiculous stuff, like deciding to exclude all of my wife's income, which forced me to scramble and break savings (losing a lot of money in the process). Finally, only hours before the closing date, they decided to call my office for employment verification OUTSIDE work hours, which almost tripped up the whole thing, had I not been lucky enough to have Lync. I'm pretty terrified of the fact that I'm stuck with these guys for the rest of my life. Steer Clear!

I'm a disabled person, I suffer from myasthenia gravis and spinal muscular atrophy. Spinal muscular atrophy is a progressive neuromuscular disease for which there is treatment and has caused severe disability. I was awarded in 2008 a steady monthly income from the Social Security Administration. On 8/18/214 I tried to refinance my loan with Provident Funding at a lower rate. They insisted a letter from SS assuring them of a steady monthly income for the next 3 years, even though they knew SS Administration could not guarantee a steady monthly income for the next 3 years because SS could not assured I would be disable in the future, my application was turned down for that reason only. Provident has discriminated me a disabled person because my only income derives from government assistance. Had no choice to refinance with another lender.

I have had a mortgage with Provident Lending for 27 years. Never late, always paid on time. I mail the payment 7 days in advance assuming that the USPS would have it arrive on time but it arrives 1 day late. They charge me $123 of penalties because of this. Can't Waive it no matter what. What has happened to customer service in this world?

I dealt with the provident lending group Glendale office. They told me that they would have loan doc over month and a half ago and still have not gotten it after almost two months. They also unethically asked to wire the closing funds without the loan doc being issued. I will also file a formal complaint with the lending board as well.

Provident Funding SUCKS! I have never had a late payment with these clowns and their service is pathetic. I wrote and mailed my house payment on July 3, 2014. On 7/18 or so, I received notification that my payment had not been received. I provided Provident with the check number and told them the USPS had obviously lost my payment. They told me I would need to write another check and that I would also be charged a $70 late fee... even though it was no fault of my own. They then told me that they would return my original check if it ever showed up at their office... thanks! Anyway, I wrote my 2nd July payment, a check for their BS late fee and a check for my August payment that was now due in a week or so. I mailed it certified, signature required.

We had a major flood inside our home and the insurance company issued a check for the loss. I phoned Provident to get the instructions for them to endorse the check... I was told that the endorsement would occur within 72 hours and that I would have to provide an express envelope if I wanted it returned quickly, because they don't provide that service... or any other for that matter! Yesterday, I called to follow up since the 72-hour time frame was expiring and was told that they had given me wrong information and that it would be 7-10 days! They had to deposit the check (from Lloyd's of London) to make sure it didn't bounce! Really? And, they would reissue us a check after the "hold" days were complete. Beau ** is the Customer Service Manager and deserves to be fired for his lack of training of personnel and overall lack of "service." The lady I spoke with offered to reach out to the contractors who are waiting to be paid and explain the situation! Stupid! These vendors work paycheck to paycheck and could care less if Provident is using MY money to make some extra interest for themselves. A horrible company with clueless employees.... Oh, and they can't wire the money, my money into my account. Really, they can't, can't, can't!

I have been with Provident for 7 years - always paid extra on payment, always mailed around 25. They sent me a late notice when they had check in hand. I stopped payment and they already knew - very underhanded. Use anyone else - Greenlite. Don't use Provident.

Tried to make a principal payment on their website....which is a constant hassle to work with.. Changed format of system and then charged me fee. Of course they charge a fee over the phone to make extra cash $$. Other mortgage companies do not. Very hard and rigid to work with... Even long term customers that always make their payment always on time. Cannot even imagine how they treat their customers that went into short sale or have problems making their monthly mortgage payments. Cannot wait to pay off loan and get rid of this company.

After 13 years of payments on a 30-year fixed, I asked for a better rate as the interest rate had dropped quite a bit and they denied me. 13 years, never late, never refinanced. They said my credit was bad. They wouldn't even talk to me

Provident regularly discards proof of insurance documents sent by insurers and mortgagees. I've only found 2 methods that actually work. Both methods require you to set up a online account for your mortgage on Provident's website. Send proof of insurance certified mail (about $2). Allow 2 weeks, Provident only picks up the mail once a week. Once it's picked up, verify they've posted it, if not open a problem case for your mortgage on their website including postal certified letter number and pick-up date. Process takes total 1-4 weeks. Or upload an proof of insurance document to your mortgage on Provident's website. Wait 2 days, call to confirm requirements have been met. Less than 1 week total time. Remember, Provident expects mortgagees to do their own servicing whenever possible.

I have had mortgages with Home Savings of America, Citibank Mtg., and Wells Fargo. I have NEVER had as much trouble getting funded for a home loan. I am being asked to verify the source of each cent I deposit into my checking account. My paycheck isn't automatically deposited so I had to send a verification letter explaining two deposits per month for the same amount. There is an additional $30.00 deposit each month for transportation allowance. They required another verification letter to explain the source of those deposits! It isn't like I make irregular or huge sums, which could appear to be suspicious. When I asked why I was being asked to provide such detailed information, I was told that since Sept. 11th, every deposit is being scrutinized. Really, $30.00?! Who else is scrutinizing those deposits?

Several months ago, I was laid off from my job. At the same time, my mother became terminally ill. As her primary caregiver, I was limited on the work I could do, which resulted in a financial blow. I contacted Provident Funding and they informed me they would not work with me. The representative even went so far as to say it would be better for me if I had my husband's income to help. I explained I'm not married. "Then you really won't get help."

After having many problems with this company, I looked on this site at their reviews and noticed most of the complaints were the same as mine. The company did not receive payment on time even though it had been sent in plenty of time and then late fees were added. I have went through many issues with this company, them not receiving payments on time (even though made before time due), to them refusing my payment because I refused to pay late fee, to them trying to foreclose on my house and them did loan modification that increased my loan and time (was unable to refi with other companies due to house values at the time). Then after modification, was making payment thru my bank bill pay (the only way to do it because it gives day they rec'd it) but when I checked online at my acct after a few months, my payments had not been applied.

My property was sold without my knowledge, after the first sale was cancelled by Provident Funding. Can the mortgagee do this?

I had a successful short sale with approval from Freddie Mac and Provident Funding. I was suppose to receive relocation money, about $3000. I never did. I was told by Freddie Mac I met qualifications, which was a short sale. Provident tells me my FICO score was too high, and my debt to income ratio was lower than 55%. I sent to Provident a Borrower Response Package with all my financials. My debt to income ratio without electric bill of $150 and water bill of $100 comes to 71%. What kind of math do they follow! Oh, by the way, while I was approved for short sale and had the house on the market, IN FLORIDA, and had a buyer, Provident started foreclosure proceedings against me. I was like walking on glass to get that court case eliminated. Good luck with them...

I too have experienced the same bogus late fee/processing charges as many of the other responders here. Provident has "lost" my mailed payments and charged me late fees when the payment was mailed with a week to spare. I now do an electronic transfer directly from my bank. Yet Provident still has claimed that they could not receive the transfer and is charging a $25 processing fee. Apparently this is how Provident makes it's money. Provident never intended to keep my mortgage when I refinanced with them in 2010. Caught in the real estate bubble, they were unable to sell the mortgage to Fannie Mae. If there is a class action suit against Provident, sign me up.

I am very concerned about the lack of communication and application of late fees by Provident Funding. I missed a payment earlier in 2013 due to a complete oversight, but did not receive a notice from Provident until Dec. While Provident claims that they sent earlier notes and left messages, I did not receive them. They also had a wrong email address on file and consequently I did not get notices via email (apparently Provident completely disregards email undeliverable notices). As soon as I received the letter finally in Dec. I called Provident and the rep said I missed a payment, but not that it was from earlier in the year or that I was charged over $600 in late fees. I discovered this when I logged into Provident's web site trying to understand what happened.

I received a notice that my mortgage payment was late and was charged a late fee of $50.53. Late fee is incurred if received after the 16th of the month. I mailed payment on the 9th. Provident said they didn't receive it until the 17th which is BS because I mailed an insurance payment to a company in Calf the same day (I live in PA) and they received it on the 13th. With this company for the past 4yrs and never had a problem. They would not waive the fee under any condition. I ask what was the Post Office cancellation date on my envelope and they said they threw it out. That was my only evidence that I mailed it in plenty of time. No due process for the customer. For customer service they gave me a fax machine. Looking to refinance with a new company today.

On approx. 12/19/13, my wife and I received a late fee notice from Provident Funding expressing that they had not received our mortgage payment for Dec. 1st and that a late fee of $61.80 will be charged to our account for late processing. Being on time and usually one to two weeks early in paying our mortgage, we sort of freaked out on the whereabouts of the check being that it was sent out approx. a month ago (11/24/13). We called our credit union to see if it was cashed and it wasn't. So we called Provident Funding customer billing and explained to them the late fee letter we received. They checked our account and immediately told us that they received it today and had just applied it to our account. That made me very leery of their practices of receiving funds and not promptly applying it to the appropriate account.

I Inherited a small townhouse from my wife in 2011. I have been making payments regularly on it ever since. I never missed a payment. When I try to talk to them, they say I am not authorized to talk to them. I have had the property deeded to me in my name by the state of Virginia. So the state of Virginia says I own the property. Apparently I do not own the mortgage. Provident has no apparent method of dealing with this. Usually a mortgage company can be contacted via their legal department or something. When they see payments were made regularly, they usually will transfer the papers. Now they are trying to slam me with a homeowner's policy. The house already has insurance on it in the state of Virginia. Apparently, my deceased wife has been making the regular payments. What a joke. I am contacting my attorney today. Already talked with my insurance company. All they can do is send faxes, included her name the paperwork. Anyone know an attorney out there who has had success with this bologna. Would be appreciated.

This company is the worst experience I have ever had with a lender. They made me submit the same paperwork three or four times as late as hours before the closing. They did not wire the funds for the purchase until almost 8 hours after they had agreed to do so. A few days after the closing, I got a call from my attorney asking me to re-sign about 5 pages. Then about a month after the closing, I get a bill for almost 1500.00 for insurance claiming that I did not have homeowner's insurance so I had to pay them for a policy they purchased on my behalf.... even though they made me purchase and pay for a 12-month policy before they even approved my loan. WTF??? The folks are either incompetent or very shady, I have not yet decided, but one thing is for sure, I will refi as soon as possible because these people are making me nuts. OH and by the way, they sold off my loan to Fannie Mae in less than 30 days after the closing.

I went through Lending Tree for a new home loan. Unfortunately, the broker went with Provident funding. I provided all of my information in plenty of time and was not the cause of the lender missing my move in date by four days. Within days of close, they were still asking for stuff they should have asked for 6 weeks earlier. We had to extend our living conditions for 4 days, reschedule moving truck and people, and reschedule all utilities when Provident missed our move-in date. Broker claimed Provident is aware of my move in date but the broker is not allowed to communicate with them. The appraiser said he hates to do work for Provident because they nitpick everything. They never provided a new move in date so we just took it a day at a time and then had to try and reschedule all of our help the day we closed. I guess people deal with them because their rates are generally competitive. I'm not sure it's worth it. If you have any other option, TAKE IT!

I really had a bad experience with them and I will recommend everyone not to take mortgage with them. Their customer service sucks. They do not have any solution for any queries. They received $3 less payment much before the due date and they charged me $94 as late fee for that and they say that that is their policy. Last month I paid $20 extra which they are not considering. Every month they have a different figure of payment and half the time I never get their statements.

Just got off the phone with Provident Mortgage. They changed my monthly payment but did not notify me. I did receive a notice that my account was short a month ago and I sent them the amount that I was short. Thought it might be a slight shortage due to insurance. Now I get a late notice and they say that my monthly mortgage has changed and I owe a late charge. Would have been nice to know they changed my payment amount. As it turns out, I never received their first notice and the letter I did get was not clear. BAD COMMUNICATION is what I call it. I would not recommend this company to anyone! The first person I spoke with was, shall I say, not helpful and I had to keep saying, "Please let me speak to your supervisor."

This company is not fair. We have met all qualifications, and still not been able to get refinanced.

Getting my refi-loan was painful - lots of document checking and double checking. In the end, it went through fine and they provided a rate much less than I could get from Quicken Loans or any other group I could find, 15 years at 3.25%. I didn't mind the extra work for the lower rate. I've had my loan there for 15 months now - no problems - their web-site is great. No complaints. I'm of the opinion that most of the belly-aching here is from those who represented crappy credit risk. I am a satisfied customer - and no, have no connection to the company. I just see this crap on Amazon all the time - there's always a few that hate a very highly rated product - it's usually their issue, not the product.

I have requested a couple of times to refinance with them because my rate is so high. With the housing market and mortgage rates so low and finding out I qualify for the HARP program, I thought it would be easy. I pay my mortgage every month and have been a long time customer. They said that I could not refinance because I was a freelancer and that does not qualify as a job. What! So I contacted another mortgage company and had no issues plus in the meantime got a new full-time job anyway. Long story short. I needed Provident to pay my taxes earlier than planned. The money is sitting in escrow and they have the tax bill already as I verified. I respectfully asked that they pay it early as my interest rate is going to expire for my refinance if they don't. There was a pause on the phone. The customer service rep came back on the phone and asked if I was refinancing with Provident. I stated, "I tried but you wouldn't let me so I went with another company." He put me on hold, came back and all of a sudden he wouldn't pay them early. Really. He gave me a lame reason about how his tax system works, etc. Needless to say I am irate. Seriously, if it's not benefiting them they just don't care. Wow is all I will say. My recommendation is to steer clear.

I had a mortgage with Provident Funding since 2005. I refinanced with them in 2011, and was looking to refinance again because the rate would have been approximately 1% lower, with no closing costs. They gave me a quote here recently, lower than anywhere else. After several weeks from submitting my application and the papers they initially requested, I heard nothing from them. Finally, after reaching them, they started asking for some really unusual things to continue on with the loan. They wanted my employer to GUARANTEE my employment for THREE YEARS! Fortunately, upon request, my employer agreed to do it for this loan's purposes, but they told me they get several requests from lenders for employment verifications and have never, ever, had such a request. Then on my credit report, which is spotless, it shows a MasterCard gas credit card with a $184 past due balance owing from 2008. This is a mistake the credit bureaus have never corrected.

I have had to deal with this company for 11 years. They charge me an additional $2,000-$3,000 in March stating they did not receive verification of insurance. Each year, I send proof and my insurance sends proof to them. It takes weeks and repeated phone calls to get this company to admit to their mistake and cancel the ridiculously priced insurance they purchased from a third party. Right, they have no interest in charging 4 times the going rate. I consider them to be a scam. Don't use this company because you will not save money. They will get it from you using shady practices or through sheer aggravation on your part. You do get what you pay for, and in this case it is lies, runarounds and endless customer service phone calls. I find their customer service reps to be polite, but nothing gets accomplished. When they promise it will be corrected by a certain date, I call back and get "The person who does that is on vacation," or "We are behind on our paperwork." They have earned their overall rating.

I recently refinanced my mortgage with Provident Funding. I was connected with an agent by the name of Kyle **. I would NEVER recommend Provident to ANYONE I know EVER. It is unfortunate that there are people like Kyle ** working for your Provident Funding. I have never been more disappointed, dissatisfied, frustrated, confused, angry or bewildered with the interaction with someone who is supposed to help me save money, provide information on the process and ensure that I am protected from unnecessary out of pocket funds.

I had purchased a home on a short sale, paying cash to get a good deal. After the purchase, I applied for an 80% loan to Provident. For three months I went through agony on piece meal information and documents that was never ending and intrusive. Once such document they wanted was a letter that I would keep my money that I would get back in the bank, without the ability to invest it. After I said no, they approved a letter that said that the cash back loan would just go back to my savings account.

In April of 2013, I decided to refinance my mortgage to take advantage of the 2.5% interest rate on a 15-year loan. I am a medical professional earning an excellent salary. I have excellent credit and I have about 50% equity in my home. Shortly after paying $725 for the appraisal, I was notified by my mortgage broker that there was a problem. Because I was in the process of renovating a bathroom in my home, the mortgage could not be closed until the bathroom renovation was completed. How could they reject someone with my credentials because I am improving my home?! This company is an absolute disgrace. Do not be lured into this trap by the promise of good rates by the mortgage brokers! The previous comments about the horrible customer service and incompetent underwriters are absolutely true.

I've had my loan with Provident for over a year now and just hit another milestone with them for poor service. As others have mentioned, the approval process was extremely stressful and thorough. I sent them the same information 3 or 4 times. It felt like they already had what they needed but wanted to see what hoops they could put me through just to see if I was a worthy customer. I griped continually to my loan originator about the process and he said that's how they are but their rates are good so people stick with them. I received a letter from Provident in January that my payment was short by $1.93. That was odd as I'd just received the new payment info from them in December. Why? Because they overestimated my escrow amount in 2012 and had me paying about $200 extra per month.

I have never been late on a house payment ever. Now over the last 6-8 months since I've been with Provident, they claim not to have received my check twice that I mailed on time each month. The first time, they blamed it on the US postal service and claimed they must have lost it. After 17 days, it magically appeared at their location after I paid to stop the check and pay the late fee. Now a few months later, they did it to me again and claimed that they do not have my check that I mailed out 2 weeks ago. I have 2 mortgages that I mail at the same time each month - one to Chase Bank and one to Provident. Amazingly, Chase Bank receives theirs and every other bill that I mail out each month gets to its location with no issues. But for some reason, the US post office happens to mysteriously lose my main mortgage bill twice now in less than 6 months. It must be the little green goblins hiding in the postal truck snacking only on my Provident bills?

I had a mortgage with Provident. Payment was always mailed by the 3rd of the month, due on the 15th. Payment had $150.00 additional principal each month without fail. This was the drill for right at three years. I was fortunate enough to have the USPS lose my payment one month. I was contacted by Provident on the 20th regarding payment. This was an eye opener of an extremely **, poor customer service department. They literally treated me as if I was trying to rob their company. I agreed to the late fee and had my bank electronically transfer, but they botched it up several times so the payment did not post until the 25th so payment was 10 days late. I had no problem accepting the responsibility and associated fees.

As outlined by others below, the business model of this servicing is to botch processing of loan payments so they can charge late fees and to do escrow adjustments and then reject payments and charge late fees and service charges. A really bad dishonest company. Stay clear.

We trusted our mortgage broker's suggestion to refinance our home for a lower rate about a year ago with Provident. Both my husband and I had well over 800 credit ratings and I alone make over $100,000 per year. We had 65% in equity in the house. The level of scrutiny they put us through was 80% more than we have ever experienced in the past. Even after we signed all the agreements, they still came back asking for more information and explanations. Then, they didn't like the checking account we wrote the $200 closing costs from and we had to rewrite it from another account at the same bank.

As I read others' feedback about late fee, I want to share my experience. I scheduled a payment 3 weeks in advance of the very first payment due date and their antiquated system couldn't process the payment. They charged $70 late fee. I scheduled a payment through my bank and they processed the payment within 24 hours. I have made numerous requests and pleas to them, but to no avail. While they do provide competitive rates, their lack of customer service and antiquated system and processes make them the worst company I have done business with in my 20+ years as a homeowner. Please explore other providers and save yourself from very painful approval / funding processes and lack of customer service.

We have never been late with a mortgage payment ever and September 2012 was no exception. We mailed our mortgage in a timely fashion. Provident hit us with a $70 late fee. They didn't receive our payment after. They claim that they sent a letter to us stating to not use the pre-printed envelopes that we'd always used to remit payment. Instead, they were using a new P.O. Box to which we should have remitted payment. They never told us to stop using the old envelopes. Anyway, payment not received, late fee was assessed. Husband called and Provident rep told us to stop payment on check and remit a new check. But guess what? Provident tried to cash the original check for which we were directed to stop payment and now they hit us with an additional $25 fee! Plus, we incurred a fee from our bank of $20 for a stop payment. But then Provident had also cashed check number two which we remitted but applied it to the wrong month! So we remitted our Sept. payment on time. They still hadn't received it due to their error of not telling us that the payment processing center had changed and so their reps are the ones that told us to stop payment, which we did, The check showed up anyway and they tried to cash after telling us to stop payment, which we did.

I used to mail my checks into Provident on the 10th and they were posted on the 15th. For the last few months, I have noticed a change. In October, I mailed my check at the post office on the 4th and it was not credited until the 19th. I was hit with a $70 late fee. January payment was sent off from the post office on January 2 and on the 15th, they said that they had not yet received my check. I was told to stop payment on the check sent ($30) and to make the payment online ($10). I did as suggested. On the 19th, they processed the check that they told me to stop payment on and then had the audacity to charge me a $25 charge because the check was returned by my bank. I cannot wait to get away from this bank. I would recommend staying away from this company.

I signed up for auto payment on their website for my very first mortgage payment. Everything looked completely normal when I did that; there were no error messages or anything. For some reason the auto payment didn't go through and they hit me with an $82 late fee!. When I spoke to them about it and told them that I signed up for auto payment 3-4 weeks before the payment was due, they said they didn't have any record of it and refused to waive the late payment fee. On top of that, they charge a $7.50 fee to make a one-time online payment. So they even screw you when you're forced to make a rushed payment.

Provident Funding lives on scamming innocent mortgage payers. We have been with them for the past 5 years. I used to mail my payment by 8-10 of each month as it is due by the 16th. We have noticed that, at least once a year, they ask us to pay $50 penalty for late charge. We know the mail from MI to California should not take more than 2-3 days, so we figured there is a scam there. We strongly believe that this financial institution, even if they receive the payment before the 16th, they accuse the post office for delivering it late.

I have had Provident funding send out nasty no insurance notices twice. Both times, they had been sent renewal notices by American Family. They lied when asked and said American Family would not talk to them. Last summer, they also sent a nasty note that I was sending payment to the wrong address. This was untrue and the address they provided. They will never get business from me again. I have had a mortgage with multiple companies over forty years and never seen this type of problems before. Do not do business with these people. The absolute worst processes and customer service that I have ever encountered.

Provident Funding works like payday lending (predatory lending!). The company lures you to the trap with expressing early interest in your loan so that you get hooked to it with higher points and fees. By the time the loan gets processed, typically, the applicant will not have any time to shop for another mortgage company and will have to be put up with the unreasonable demands of the firm. Once caught into the trap, the firm tries to make more money on the customer with all the loopholes they have in hand. They usually do not send monthly statements to find out the allocation of the money you are paying. Instead, they finish the work with sending a coupon book for the whole year!

We have been a customer of Provident Funding for 11 years and have never had a bad experience until this year. In August, our hazard insurance was not paid on time. We were notified by our insurance company that they had sent a bill to Provident but had not received payment. After they faxed the bill two more times, it was finally paid. We overlooked this as an honest mistake until we received notice on November 1, 2012 that we had lien against our property. In April 2012, we faxed an additional tax bill to Provident to be paid to the county in which we live. They did not pay the tax bill. We faxed it again when we realized it had not been paid.

This is the worst mortgage company ever. Kurt was dealing with me like dirt, emailing me once, he said, “I told you 100 times already that I need to do something.” I do not think he even emailed me once about it; rude, rude, rude. Today my closing was at 7:00pm, they scheduled it. I’m not all done with the document. I called my wife for closing at 7:00pm. I got a call at 5pm that they need the money wired now; today or cancel? At 5:00pm, wire the money? Are they crazy? Rude, rude, rude to the end of days; I gave them every document they requested with 24 hours work for Microsoft. I have a Master’s Degree in Information Security, and great credit report. I think I was going to get sick from dealing with them. May the Lord, my God, forgive them. But small advice, keep your health and stay away from them.

This is without doubt the worst mortgage company ever. I do not know how on earth they are still in business, and if I had known that they were the only ones who could finance my property, I would've never purchased anything. Their customer service agents are quite rude and unprofessional. Be aware that helping their clients is not in their job description. Besides, they love to slap their clients with unreasonable fees. Stay away from Provident Funding Associates!

I am a mortgage broker that deals with Carnegie, PA; and their so-called "underwriters" are complete idiots that read the guidelines on refinances as if they are purchases. They have no idea how to underwrite and review conditions. But to make matters worse, they are nasty little ** and do not return emails or call back. I have been waiting for a response on an email I sent to the manager over a week ago and I haven't even gotten a response that he was looking into it. Maybe if they weren't such morons, they wouldn't have so many phone calls or emails to return. They should hire qualified people. At this point, I would rather deal with any other bank, even if pricing was a little off because at least you can speak to someone and make sense of loans.

Unprofessional behavior/lack of customer care: A little over one week ago, I mailed my mortgage payment via US Mail. The payment was due on the 16th of September. I always get an e-mail from Provident advising me of money received and credited to my account. My payment usually gets to Provident within no more than two business days. By the 15th, I still had not received a notice and on the 16th early that a.m. I still did not get a notice. I checked my bank account and the payment had not cleared yet. I called Provident, spoke with at least two representatives including a supervisor and they claimed payment had not been received. I asked if it was possible to waive the late charge and give me another day to see if I could find out what happened or maybe the check would show up and they told me absolutely no, no waiver.

I have never felt betrayed like this before in my life. I have perfect credit score, more than 780 and a good income - two rental properties, one in US and one in a foreign country where I pay mortgage and insurance. Provident requested me foreign country rental property information and I have provided every piece of information they requested. After providing the information, another request came from Provident asking the foreign rental information in dollars. I have modified the numbers from foreign currency to dollars and returned detailed letter. Now they are requesting me to change the documents into dollars by insurance company and mortgage company in foreign country which is not possible.

I have long-term, stable employment, a good income, low debt ratios, low LTV, 800 credit, and 6 year perfect payment history with Provident. I'm about as easy of a credit decision as they come. My refinance request was to take advantage of the low rate and reduce the term. I have never felt so insulted and harassed in my life. Every piece of documentation provided required another piece of documentation. I had to write 6 letters explaining stupid, pointless stuff. Most of the info was provided on multiple occasions. I was easily approved but actually getting to closing was a nightmare because of all of the detailed ** they wanted.

Since 06/25/2011, Jean ** has been sending in an additional payment of $200 while I have been sending in $160 (except in October 2011) to cover the normal payments which would make a principal payment of $201.98 additional each month except for October 2011 in which the additional principal was $41.98. On the 20th, I submitted a case to Provident stating that our payments had not been allocated correctly for the past year. The system also stated that I didn't owe a payment until 03/2013 and my balance was $19,684.98. On this case, I listed my cellphone number for someone to contact me directly. My case wasn't assigned to anyone until the 26th and I didn't receive a call until the afternoon of the 27th which was on my home number. So, they didn't even call me on the number that I provided, which I did include as follows:

For the second time in two years, Provident claimed my payment was late. I normally mail it on the 9th of the month (from the P.O.) and it's usually there within an astounding two days! Well, back around the holidays in 2010, I mailed it earlier than usual and it got there on the 17th, a day late. Of course, they refused to waive the late fee as a courtesy (since it was an isolated incident that could have - and I believe was - their fault). Now, this month, again, it’s the same problem. They robo-called me on the 20th (at which point I learned the payment never arrived) and I called them right back and they said they'd place a stop payment on the check and to set up bill pay with my bank if I wanted to avoid the processing fees, so I did. Meanwhile, today I find my checking account overdrawn for over $3000! They cashed the check at the same time they were calling to tell me they never received it. I called Provident and they are not in on the weekends! Are you kidding?! I am convinced that they randomly and routinely process payments as late. Do you have any idea how much money that brings in? If they select you once a year or so, it's enough to generate a ton of cash without raising too much suspicion. Well, I refuse to stand for it. I've had it with Provident and will sue if they don't refund my money first thing Monday.

Absolutely the worst lending experience I have ever encountered. Sure, they have great rates but their turn times and customer service are the most abysmal I have even seen. They do not communicate, they lay condition after condition, after condition. Over the three month period, I have provided over 40 pieces conditioned information. On 5/23/12, I was told my loan was not approved without knowing why. Maybe because my credit report is 800. I was told to apply through another broker again because my Chinese broker was removed from the broker list. It was not stated, why? They never respond to anything. They delay and delay for 90 days. They could not close a loan in 90 days for sure. They ask unreasonable conditions such as a letter from a CPA stating my CPA himself will have to assure the stability and continuance of my income. Sound ridiculous? True.

So Provident Funding has really gone downhill. I have had my mortgage with them for over a decade and in the last few years, service has suffered significantly. Here is the most recent problem I've had and the related events in short:

Provident Funding is quite rude and deceptive. I have been working with a state agency to get a home mod and submitted paperwork. The person helping said according to governmental guidelines, I qualify. When she contacted Provident, she was told they don't have to speak with Freddie Mac (note holder) and then sent letter saying I wasn't in imminent danger of default. I have been late for the last 2 months! Guess they need total default to do anything. Too bad Freddie Mac/Fannie Mae weren't held accountable when the other banks were. Sounds like Provident is abusing their position. I would love to see and join a class action suit against them. Individually, we won't be heard. Collective, we can make a difference. By the way, the copy of my mortgage contract is totally blank. They just xeroxed a form and sent it to me.

Provident offers the lowest rates for a reason - they don't actually refinance anyone. The appraiser they hired inspected two thirds of our house and completely disregarded landscape improvements, considered one of the biggest multipliers on home value. Bill ** said the appraisal would cost no more than $350. Maybe that's what it costs them. They drew $500 out of my account.

Because my husband was laid off and forced to take a lower paying job, our mortgage payment is now over 40% of our take home pay. Provident refuses to communicate to us the criteria on which they decided it was, "Not that hard for us to pay our mortgage". We cannot continue to pay this amount. We have no more savings. We are appealing to our congressman for help.

I had been laid off from my job. I called Provident concerning mortgage relief. On my initial call, I was told that I could not request mortgage relief until we were delinquent. We were delinquent in 3 months and were told that we would have to catch up before we could be considered which we did. We tried 3 different times for mortgage relief and were never approved for whatever reason. These people have no interest in helping anyone out. I would never do anything with them again! There should be a way to put this type of company out of business!

We received a notice from the Harris County Tax Assessor on January 19, 2012, stating that our 2011 property taxes had not yet been paid by the mortgage company. Upon further investigation, I discovered that my school and utility district taxes had not been paid either. I immediately called the customer service department at Provident Funding and was rudely told that there had been a change in "company policy" and that all tax bills would now be paid mid to late January per the due dates on the respective tax statements. I told them that the money to pay the 2011 taxes had already been collected and that they didn't have the right to make that decision without my consent. I asked why I hadn't been notified of this change in policy and was told they weren't obligated to notify customers because the taxes would be paid on time according to the due dates on the tax bills. I have always been notified of changes in terms to my credit card and bank accounts by mail and email, so I would assume they are bound by the same regulations. When I asked the representative what Federal and State agencies regulate their business, I was disconnected.

Provident Funding does not want to work with anyone about trying to reduce payments for hardship cases. They don't want to work with Obama Keep Your Home Program! Don't get a loan with these monkeys! Run get out! They suck! They don't listen they are out for themselves only!

Why does Provident Funding charge a $15 online payment fee in this internet age asking customers to mail in checks for one time payments? Isn't this a rip off?

I called today, 1/17/12, regarding my year end statement. The customer service agent's name was Vicky. I told her the purpose of my call today. She said it will be mailed out by next week. I asked her "oh, okay, so you didn't it mail out yet, right?" She said "it will be mailed out by the end of next week", and her voice was very annoyed. She was very annoyed from the beginning (when she asked me for my info, for verification). I asked to speak to her manager, and her immediate response was "what for?". Is that how you train your customer service agents? I informed her that I need to speak to her manager, regarding the service I just received from her. She replied, "what about it?" Now, I am angry and she added "we do not have a manager, and we have a very high volume of calls now".

I realized on Dec. 30 that I hadn't received a receipt for my city taxes, something that is typically taken care of by Provident through my escrow. After calling the first time I was assured that the payment was in process. I called back a second time to clarify that yes indeed it was being processed by end of year, just like the prior two years. I was informed that there was a new "policy change" and all taxes were now being paid by escrow in mid-January. In order to claim this on my 2011 taxes, I had to cancel my tax escrow over the phone, move thousands of dollars from savings into checking, and stand in line at city hall on New Year's Eve. When I asked about when/where this was communicated, I was told "it wasn't communicated". It's nice to know that something that could have cost me $1000 plus on my taxes this year didn't warrant any communication.

We tried for a loan modification approximately 2 years ago. After sending in the paperwork at least 3 times, because Provident Funding said they never got it, we didn't fill it out correctly, didn't mail it in before "their" deadline, etc. Needless to say, we never got it. One of the reasons for the modification is, because my husband ended up with metastatic colon cancer, and the bills from the doctors and hospitals were getting out of control, and we just couldn't do it anymore. Bottom line is they didn't give it to us because "we didn't quality", so naturally, in the meantime, because we couldn't pay the mortgage, we defaulted and they foreclosed our home.

We are working on refinancing our current mortgage loan through a mortgage broker in Scottsdale, AZ. Our broker is terrific. Provident Funding sucks. It is absolutely the worst lending experience of my life. Our broker has been trying to reach them for almost 10 days. They don't return calls, and they don't return emails. Calls to the local managers go unanswered. Calls to the corporate office in Burlingame, CA, don't even get answered. It is unreal.

I refinanced in February 2010 and my mortgage processing was taken over by Provident Funding. As an accountant by trade, I methodically pay my mortgage 9-10 days early. From the very beginning, I noticed that the checks were not being cashed until very close to the late date. This was on a consistent basis. On November 2010, I mailed out a mortgage check seven days before the due date and I received a penalty late fee for $78.90. I confronted Provident with this problem to reverse the penalty as well as to stop the late cashing for future payments. But they were adamant about not bending on both issues.

After dealing with Provident Funding and reading all the negative reviews, I can say with 100% certainty that this is not a firm you want to do business with and with all that I have read, it scares the heck out of me.

I pay my mortgage via mail approximately 8-9 days ahead of time. Now, we refinanced with them just recently and they stated they did not receive our payment. Well, they did receive our 01 Aug 2011 payment on July 22 with check # ** for $1,517.14 written in the box. Actually, I made a mistake in writing it out as "One Thousand Seventeen and 14/100." The actual payment is $1,517.24! Since they received this payment, they applied it to principle reduction instead! I received no call with regards to the "error" I made in writing out the check and them receiving the check "9" days prior to due date. So now, I have incurred a $75.66 late fee.

Close to the end of 2009, my husband's hours at work dropped drastically. So in April 2010, I applied for a loan modification at Provident Funding. I was denied because my DTI was less than the required 31% noted in the requirements of the "Obama’s Loan Modification Program." I then acquired an attorney but I continued to receive denial notices. I continued to send in information to receive a loan modification even though I was denied every time.

July 11, 2011 we applied to Provident Funding for a Mortgage Modification per "Helping you Stay in Your Home" Program. We have owned and lived in this house since 1974. We paid $47,000 and the home is worth more than $1,000,000 now.

Have applied for a Loan Modification twice after losing my job as a real estate appraiser and taking a lower paying job. When I caught up on 3 payments the first time, Provident withdrew my request for a modification and said I needed $500/mo. more in income. I was able to evidence that 3 months later when I was, once again delinquent. They denied me again even though I met the criteria they required on the first request. I have substantial equity in my property and have been there 25 years. I believe they are refusing to modify my loan due to my equity position. They laid their requirements out and when I met them, they refused again.

Every 9th of the month, I mail my mortgage payment to Provident Funding in Santa Rosa, CA. It is late after the 16th of every month. This is the third time I have been charged a late fee. It does not take 7 days to get to California. About the 4th time, I have been charged and they will not waive the fee. I cannot send it until the 9th because of other bills. If I pay by phone, there is a charge. No matter what, they get you!

I wanted to refinance my home again (this is my third time) to take advantage of the new low interest rates. I also requested $4000 extra on the loan in order to remodel a bathroom. After jumping through multiple hoops for this company (many were ridiculous, redundant, or damn near impossible) we finally got to a closing date. One of the hoops was that I needed to refinish the bathroom in question before they would loan! So, within about four days I had to do a complete bathroom remodel without the funds to accomplish this.

I have no business relationship with this company. They have been making telemarketing calls to my number and will not cease to call after repeated requests. They are in violation of the "do not call registry" and do not care. They have been wasting my time and energy.

Yes, these guys are horrible. I hate the fact I went with them for my loan. I tried to get rid of my mortgage insurance and they did an 'appraisal' which put my house at $360k. My builder still sells the same model at $400k and I finished my basement, had a ton of add-ons, etc. It also listed my sq. footage at 2800 when it is really 4800. I called and they basically said there is nothing I can do about it. They just want to rip people off by keep charging mortgage insurance because no one can stop them. What a bunch of freaks. I hope to just refinance soon with a different more ethical lender.

We had a 15 year loan with Provident, with which we had very good service and no problems with payments, etc. Due to declining interest rates we decided to refinance with Provident, using their online application. We were assigned Kyle ** as our "mortgage consultant". During our first contact, I advised Mr. ** that I am fairly familiar with the mortgage process. He provided a GFE, which I reviewed and advise contained multiple inaccuracies. He responded it was merely an estimate, which I understand. However, I requested the "estimated" figures be corrected to more accurately reflect the amounts that had been verified. For example, in the state of Kansas, a mortgage stamp tax is applicable for each new mortgage unless the borrower refinances with the same lender. Then the mortgage stamp is not applicable as it was paid on the initial loan.

I am seeking assistance for a late charge applied to my November payment and the company refuses to remove. Due to attending school, I am not living at the address of the mortgaged property, however, Provident funding has my current address. Apparently, my mortgage payment went up due to an increase in my property taxes. I was not aware of the mortgage increase. I paid an increase payment last month, but I thought it was because of changing my homeowner's insurance and the cost was applied. I was unaware of the property tax analysis that was completed on my account, which increased my payments. I learned of this when I called in trying to get the company to remove the late fee. I sent in my normal payment by mail and the company misapplied the payment. By the time they corrected the misapplied payment, it was after the late fee cut-off. Now I am charged a late fee because they applied the payment after the late fee cut-off.

After having some life changes, I called Provident Funding to see if I could get a loan modification as to which I was told I did not qualify since my account was in good status. Some months I was a little late in making payments and they stuck me with a $39 late fee, which they would not remove. I have been in this house for 14 years without being late! Then it seemed I was receiving late statements every month. Although I was sending my payments in the mail by the 8th of each month, but for some odd reason they didn't receive my payment by the 15th?

My husband and I have been challenged financially, just like everyone at this time. I am a H.S. teacher and my husband was a courier for FedEx. Almost two years ago, we started the Making Homes Affordable route with Provident to try to stay in our home that we had become attached to and invested in for almost five years! We went through a process of paperwork, paperwork and more paperwork. The company lost our paperwork multiple times! After almost a year of trying with all our effort to get some help, Provident Funding stated that we were not qualified for the program. After working the figures, I realized that my husband and I made about $100 too much a month to qualify for the program. I wrote a letter to the White House complaining about the program and how it is just not helping anyone!

We applied to refinance our mortgage loan (which is currently with Provident Funding Ass. and has been for the past 3 years). We were approved based on our 738 credit score and 7 weeks of in depth qualifying by Provident Funding. We finally closed the loan, signed all documents with the settlement agent and thought we were finally done. After the 3 day right of rescission, Provident decides to again verify my wife's part time seasonal job at a local pre-school. She earns $4000 supplemental income a year, and changed jobs 3 days after signing the settlement papers to pursue grow her existing business. Provident used this as an excuse/reason to deny the loan they approved us for and we signed closing papers. Is this legal? Oh by the way, the also took $500 to do an appraisal which we are SOL on. If an attorney happens to read this and feels I have a case, please email me @ **@gmail.com.

Please help! Well, I finally got a response from Provident! They sent me a demand letter (almost threatening). I now owe them over $800.00 in late fees. And they were going to pursue me with the extent of the law until they collect that $800.00 of late fees! How do they expect you to pay late fees when you cannot even make your loan payment? I finally found someone who is trying to help me get a FHA loan (I still don't know yet). But during this process, I had to have a new estimate on my home. I found out I had over $65,000.00 of home equity in my house but have been turned down by Provident for a re-finance.

This company is holding customer's mortgage payments until after the late charge is assessed (after the 16th). My payment was mailed from Kingman, AZ to Pasadena, CA on 7/7/10--they didn't post it until 7/19/10. They claim that they posted it the day they received it. There is no way in the world the mail service took that long to get the payment from AZ to CA. All previous 3 1/2 years worth of payments have been posted by Provident Funding within three days of being mailed.

I sent house payment as usual on 2/5/10. They lost it. I received reminder to pay 2/18/10 + late fee called. I got no cooperation. I walked payment into post office same day and they lost it. I tried to pay by electronic check from my bank. They refused it. I tried to pay by electronic payment from them to my bank. They refused it. Finally, I had to agree to a Western Union payment. They set it up which it took several days to finally go through.

In April 2009, we processed a loan through our broker - which was through Provident Funding. I received a were happy to have you as a new customer letter not long after. I called and asked if I could convert my loan to a bi-weekly loan which is what I had requested from the people originally doing the paperwork - but was told to contact Provident. I was told we don't do bi-weekly plans but what you can do is go ahead and send it 2 payments. Just make sure thought to make the full amount payment on its due date and we will put any extra towards your principal.

We are writing this to advise you of the difficulty that we have been having with our mortgage company, Provident Funding. In April 2009, we were told that we did not qualify for any type of assistance in our financial hardship due to the fact that we had always been current with all our financial obligations but we foresaw in the near future that our situation was going to take a change for the worse. With the economy taking such a large downfall, we did not know how much longer we could hold on.

My regular fire/hazard insurance failed to send Provident Funding an invoice. I called my insurance for them to do so. Neither my insurance, nor Provident Funding informed me of the failure, until a year later. I received a bill from Provident Funding. They state on the bill that because I failed to provide them with proof of insurance, they went and purchased a policy for me. The problem is, this policy is about 850% higher than my normal policy!

I am writing this letter seeking for your immediate intervention because I was mistreated and improperly served by Provident Funding and its employee. My property at **, Stockton, CA, got a short sale approved on July 1, 2009 good through August 3, 2009 by Bryce ** from Provident Funding. However, funds could not be delivered to Provident Funding as the time he specified in the approval letter. Therefore, my agent, Helen **, sent him an email asking for extension until Friday, August 7, to allow us some time to close. He approved it until August 5, 2009 and per diem extension fee will apply beyond that date. Due to buyer's lender work load, they didn't get into the buyer's file in time and there are some minor conditions prior to funding need to be met. As a result, funds could not be delivered to Provident Funding in time.