Complaint Review: Castle Point Mortgage - Elkridge Maryland

I received calls from Angela Jones from Castle Point Mortgage at my home, job, at all hours of the day and night, weekend including. Finally I decided let me see what can be done. I told Angela about my situation. I told her I had just come out of a bankruptcy and thought I could not get a loan so soon. She said no problem we have a program for you. I told her I need to cash out out of my home to make some repair she said no problem. Let me see what I can do. I told her I did not have good credit, "no problem" She asked me how much I wanted to cash out I told her the amount, she said not problem. I told her how much my home was worth with the house that are selling in my neighborhood.

So after talking to her she told me that the only out our pocket money they would need from me is for the appraisal she asked for a cc# I told her no. She said well can we have a bank account # they would not charge me until everything was complete. Silly me I gave her my bank information. Then she gets Lisa Wahl on the phone and Lisa tells me everything is going great.

Angela gets back on the phone and tells me that there is a problem and she will have to talk to someone about being able to help she (ANGELA) comes back within minutes to tell me that they said everything is okay and that it is a go. I was to have a closing day within in a week.

Well in the meantime I got sick and called her to tell her I did not want the appraiser to come to my house because i had not been able to get it in order angela said it's not problem they will not stay long. Well lo and behold the take the money out of my bank account put me in the hold because of checks that I had out there that had not cleared then the deduct the money.

I called her and told her I did not give her permission to do that and she said I told you we would need the out of pocket cost. I continue to tell her that I had not authorized it . Well after not hearing from them for a few days. Mind you they use to call at least 3 times a day all week long and now we are unable to reach them. Then I get this voice mail telling me that they were unable to help me because my home had appraised lower that we had discussed. What a crock.

To this day I am still waiting for Angela Jones or Lisa Wahl to call me back. After many calls no answer I reciieve a notice telling me that they were unable to help me because of my house not being the value they though it would be. Did I get screwed. Most definitely and they sad thing about this is that they are probably doing to many other innocent people. I have reported them to the BBB and the Attorney General hopefully something can be done to put these people out of business. Some of them must of worked for ERON.

Rose Anne

Chicago Heights, Illinois

U.S.A.

EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!

DO NOT TAKE NO FOR AN ANSWER!

Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.

CHARGES TO YOUR CREDIT CARD

If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com

[email protected]

badbusinessbureau.com

www.ripoffreport.com

Don't let them get away with it.

Make sure they make the Rip-off Report!

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...the victims' advocate

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...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.