Complaint Review: Home Remedy Center

I am a senior citizen, home owner in Florida, never missed a payment, never late with any of the four homes I have owned. I worked hard to attain those homes. So when I received a post card with misleading information that claimed the company was dealing directly with my current lender, Bank of America, I called Home Lending for all the facts. I was told the process would take 6 months to complete, continue making my mortgage payment of 1,296.00 to reap the reward of having a lower mortgage payment of $649.00. No closing cost associated with the loan modification, just the attorney fee of $3,495.00. Home Remedy set up a FedEx overnight delivery so they could begin processing the new loan next day. I was assigned a client I.D. and would hear from a Jr. Loan processor to assist with e-signing all the necessary documents, when that was completed and reviewed, a Sr. Loan processor would be assigned. I continued to fax documents such as my monthly income, my paystubs, paid receipts of my homeowner insurance and property taxes and home owner association fees. Everything seemed fine for the first three months, then I never got to speak with the Sr. Loan processor, Mr. Henry Salazar or Lindsay Paulson, only to be greeted by an incompetent receptionist, stating that they are on the other line with another client and would call me back!  The process started in May 2013 and by November still no call backs. I continued to call daily, then hourly and finally heard from a man only known as Dennis, promising to call me back the next day and demanded that I should not call again. Of course he never called, I had been scammed. My lender Bank of America started a fraud investigation, starting with Wells Fargo branch that cashed the check and the individual that signed and endorsed the check. That investigation led BOA to a dead end. Every day I work on this by contacting Senior advocates, Attorney General, Bar association of California, it is exhausting and causes so much stress. I can't understand why a class action suit has not been filed to assist the many clients that were also scammed. We need restitution now. We need resolution now. Thank you for giving me the opportunity to understand my plea.