Complaint Review: Mortgage Relief Online

I'm writing this report to alert the public of the discovery I made today, this is my ripoff report.

I'm a widow, and for months I've been thinking about refinancing my home to lower my monthly mortgage payment to be more affordable, these are hard times. My mailbox was always full of companies offering to refinance, but I was still uneasy.

About a month ago, I received a post card in the mail from a company, they said they were affiliated with Taylor, Whitaker, & Co. a name very familiar to me because they were part of the principal people that closed on my home back in 2008.

I called the number on the card, and Reginald Park answered.  I asked Reginald if Todd Colvin was in cause I knew him, and Reginald responded "this is a big company, he still may work here, but let me help you.   Reginald asked a series of questions; how much was my monthly  mortgage, how much I paid for the house when I closed, and other important information.  Reginald added, that the closing and refinance wouldn't cost me a dime!   That they would lower my interest rate to 3% and his loan officer would contact me.  Reginald said he would need documentation to get the process started, and gave me a fax number.  

Pertinent information; copy of my driver's license, social security, FHA Case #, Home Owner's Insurance, Home Property Tax Info. and the sooner he would get it the sooner the ball would start rolling.  He was friendly, professional, and said after he got the paper work, his Loan Officer a Mr. Steve Kelly would be calling me to follow up.  I faxed the paper work right away.  Received a verification phone call from Reginald, that he had received the information and Mr. Kelly would be calling me that afternoon.   Mr. Kelly did not call until two days later when I called Mr. Parks and said I hadn't heard from Steve Kelly.

When Mr. Steve Kelly called, he too was very professional.  Mr. Kelly said he looked over all my information, but was missing was important document "The Note" to my property.   I didn't have the note; so Mr. Kelly asked me to contact my Bank and have them fax over a copy of the note.  I did that, and my bank complied.   I didn't hear from Mr. Kelly for a few days, even though he said now that he had received the last necessary documentation everything would move very quickly, about 24 hours.  

Mr. Kelly called, and said that the closing cost on the refinance would be $3,000.00, I interrupted him immediately and said; Reggie told me this wouldn't cost me a dime, those were his words!  Mr. Kelly replied, he told you that?  I answered, yes he did.  Mr. Kelly ended with I'll talk to him and call you on Monday.  A week went by- no phone call from either Mr. Kelly or Mr. Parks.  I called on a Monday, and was told Mr. Kelly was on vacation (spring-break) he'd be back on Monday.

Yesterday was Monday, no call from Mr. Kelly.  I called his telephone number today and got a weird signal.  My daughter called me to remind me to follow-up and find out where I stood with the refinance.  When I got the weird signal I had her call from her office, same result.  So my other daughter did some research on line and found that the phone number was a land-line and the website on Go Daddy.  

In addition on the bottom of the e-mails Mr. Parks had sent me, there was a listing for a law firm listed Finkelstein Firm PC supposedly their affiliation; my daughter contacted the law firm; they are in no way affiliated with Mr. Parks, never even heard of Mr. Parks or Mr. Kelly furthermore, they don't have my name or information on file, they never heard of me.  The law firm requested we e-mail the correspondence we received from this party, and they would investigate.  

My concern is this was a total scam, and these two individuals have every piece of information they need to ruin my life; personal pertinent information, my driver's license number, photo, social security, my mortgage holder information, house note, address, phone number, copies of legal documents disclosing every step of my home closing procedures.    I have made this report, will protect myself by filing a police report, freezing my credit reports, closing my bank accounts, and although these things may present an inconvenience, I'm hoping my cause of action will prevent further damage.  Talk about identity theft, the movie was pretty funny but this situation is far from it!

And now the cherry on the pretty stack of lies, my daughter found a "ripoff report/Remedy Law/ online, reports made with the mention and phone number of one Steve Kelly, the very same who have been ripping people off since 2012.  I was not the first, don't allow these jerks to take you for a ride!  I hope they caught soon, and be stopped from hurting other people.