Complaint Review: Fairbanks Capital

I want to register a complaint against Fairbanks Capital located at

Fairbanks Capital Corp.
PO Box 65250
Salt Lake City, UT 84165-0250

Customer Services
Customer Inquiries
How to Contact Us
Customer Service Telephone Number:
For loan numbers beginning with 7 or 8, call our Customer Service Representative at:

1-800-944-1212

Monday - Friday 8:00AM - 8:00PM EST

For all other loan numbers call your Customer Service Representative.

1-800-258-8602

Monday - Friday 7:00AM - 8:00PM EST
Saturday 8:00AM - 5:00PM EST

When I contacted them in April of 2002, I made arrangements with one of their representatives, Fecilia at 215-347-2461. I made arrangements to do a payment over the phone to make 1 house payment. I agreed to call back within 15 minutes to do the payment. I obtained my checkbook and called back. I was told that she was not avaiaable and in a meeting.

I called back a little while later and was told again that she was not available. I asked to speak to someone who could help me and explained the situation. I was then pit in contact with a Mr. Clevenger, who told me that he was Fecilia's manager and that she had no righ to make the arrangements that she made, I told him that I had called in good faith and since she was a representative of the company and agreed to the arrangements then I should be able to do so.

He laughed at me and said I have overruled her. He stated that he wanted 3 payments that were due along with $1200 in lated fees that had been added on. He further called me a deadbeat and laughed agained as he said, you are the one who is going to lose your house not me.

He also said you should never have financed with Fairbank Capital to begin with. I advised him that I did nto finance with them but with Aames Mortage. I had made the first payment to then and then they notified me that they had sold the mortage to Fairbanks Capital and I would be getting a statement from them.

I told him that he couldn't speak to me like that as the Fair Debt Collection Practices Acts forbids using words such as dead beat. He laughed again and said I am in customer service and I do not have to obide by the laws. He hung up on me. I called back several times and each time I was put through to Mr. Clevenger. Each time he kept hanging up on me. I called back and spoke to him again and asked for his boss's name. He told me, she doesn't speak to customers.

I asked for her address and he refused. I asked for her e-mail so that I could send a complaint. He stated that she was to busy to read e-mails and would not respond.

In May, I obtained enough money to pay the 3 payments. I called their office back and was told that my account had been transfered to their bankruptcy department since I had filed for bankruptcy. I advised them that I did not file for bankruptcy but the 2nd person on the mortage, E---- P----- had filed.

They also advised me that I would not be receiving any more statements or correspondance from them since the bankruptcy was filed. I asked them since I did not file and my name appeared first on the mortage why I woul not receive a statement. They could not give me an answer.

They gave me a te# 800-670-8360 to call. I called and spoke to a Eric Sturgis and made arrangements to pay $6707 or 3 house payments which I did over the phone. This brought the loan up to date except for outlandish late fees.

I got behind again in June as I had just been laid off my job on May 15th. I told them I would be getting workmen's comp as I had surgury in April 25th and was still offwork when I was terminated by my company. I called on August 9 to the bankruptcy department and did another payment for $2269.00 to cover for June. I am going to do another payment on September 3 to cover July. I will or plan to make August payment by or before end of Septemeber.

Hopefully I will have the money from my 401K account. I also hope to have a settlement check from my former company's insurance company which would be enough to pay September and October house payment. Therafter I hope to be able to keep current. I have been in touch with a law firm who is filing a class action lawsuit against Fairbank Capital and I am in the process of sending all the documentation to their San Francisco office. I have spoken with them. I will update more when possible.

Melvin
Dallas, Texas

Click here to read other Rip Off Reports on Fairbanks Capital Corp

Read below why a phone number or link was removed from this Report

*EDitor's Comment

The reason why we have removed links, e-mail address or phone numbers from this report is because people have, in the past, attempted the following, ...all too often.

Posting LINKS

Many times links to unknown web sites will cause your pc to freeze up and /or cause you to get a computer virus, virtually rendering your computer useless. Most of the time, this is the work of a Company or an Individual who has been reported.
Many Government links are no better than the BBB and are just a waste of time, giving you false hope. Many government sites (like the BBB) just collect all information from you, the consumer, but never make that information available, so consumers will NOT be educated as to what exactly they should be looking out for. On the other hand, many government agencies have and do come to the Rip-off Report for information. We have been assisting many government agencies for some time now, including the FBI and Attorney General offices from around the country..

Now that all these Rip-off Reports are out in the open for everyone to see, in a way, this embarrasses these agencies into doing something when they see so many reports on a Company or Individual, because they are now out in the open for all to see. Unfortunately, many (not all) Attorney General Office's and government agencies will not move against a rip-off unless there is going to be some sort of publicity on the rip-off. By reporting your experience on the Rip-off Report, is the next best thing to getting your story on TV or in a newspaper. Most national TV networks and many local TV stations from all around the country come to the Rip-off Report for information they will not get from the BBB, Attorney General office's or any other government agency. Rip-off Report has instigated many local and national stories, resulting in help for victims, in one way or another. Most government agencies will never even bother with rip-offs unless it involves $50,000 or more. Now that the government is cutting back even more dollars for these types of programs, this number will even get higher and we can expect even less to get done, by even less people to work on all these rip-offs.

LAWYERS :

We have also struggled with the following for a long time..
The reason why we delete phone numbers, ..all too often unscrupulous lawyers or individuals posing as lawyers are collecting victims information to only further victimize them. Many times, well-meaning consumers think they are going to collect names and get them to a lawyer who will do something. In every case we have allowed a consumer victim to do this, nothing has ever came of it. Consumers were under the impression that something will be done to get them help. In every case this did nothing but lead the consumer on, further victimizing them, and some consumers were mad at us. We feel it is our responsibility to check the legitimacy of the lawyer before advertising their service on the Rip-off Report.

We will also not allow lawyers to use this web site for free when they will end up taking a large amount of fees, leaving the victim with very little. There are many competent lawyers out there that know how to get the unscrupulous Companies or Individuals who ripped you off, to pay their fees. Those lawyers capable of this can post their numbers after checking with us here at the Rip-off Report.

POSTING YOUR E-MAIL ADDRESS:

For similar reasons as mentioned above, we will not allow individuals to post e-mail addresses, so they can be contacted for more info they claim they cannot post. If that person can contact YOU and get the information, so will everyone else be contacting you anyway, and, if it's good enough for them to receive it by contacting you, then you should be able to post that information for everyone to see and know about. And, many times, in an attempt to get your contact information, consumers will leave an email address; this is just a ploy to sell you a product or some other service. Most likely, you will end up on other junk mail lists. ..if they have something to sell, they should place an advertisement showing support to Rip-off Report.com so we can further help consumers.

ADDITIONAL NOTE ...about our advertisers:

As an extra added precaution to our readers, even all our PAID advertisements are checked out to the best of our ability before allowing them to be placed on the Rip-off Report. WE have turned down many advertisers to date. Advertisers on the Rip-off Report know, they are not immune from a Rip-off Report being filed on them. How many times do you see Rip-off companies advertising on TV and in publications when you know there are so many complaints about them!

We welcome your feedback on this subject.
Click on the REBUTTAL BOX below and submit a Consumer Comment so everyone can see.

ED Magedson
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com