;
  • Report:  #155182

Complaint Review: Saxon Mortgage Service - J.P. Chase - Meritech Mortgage - America's Moneyline - Fort Worth Texas

Reported By:
- Crestview, Florida,
Submitted:
Updated:

Saxon Mortgage Service - J.P. Chase - Meritech Mortgage - America's Moneyline
4708 Mercantile Drive North Fort Worth, 76137-3605 Texas, U.S.A.
Phone:
800-594-8422
Web:
N/A
Categories:
Tell us has your experience with this business or person been good? What's this?
Glad to see I am not the only one. My nightmare began last year after Hurricane Ivan. Got behind and tried to make arrangements, Saxononly has one arrangement....payment plans. I agreed to a 6 month payment plan they were to send me documentation to sign. Instead two days later I received foreclosure paperwork. I called and was told they had to file this first and now I would receive my papers to sign and IF I kept up my payment plan (forebearance plan) they would dismiss the foreclosure.

I did eventually receive the paperwork paid over 2,000 initially with 5 more payments of almost 1000.00 due for the next 5 months. WHne asked why it was so much when I was only 2500.00 behind, I was told 4000+ was attorney fees. I asked how attorney fees could be so much when the attorney only had it for one day! No plausible explaination was forthcoming and at this point it wasn't like I had a choice. So I paid and paid and paid....3 months into the plan I called to ask the payoff of the plan and was given an amount (after several transfers and inaccurate information)I was told they'd have to check for attorney fees and call back in 24 hours. I stated I had paid attorney fees already at this point the man became very rude and hateful..I called back in 24 hours and was given an amount which I immediately went and paid via western union (NOTE: be sure to make your payments via western union so you have documentation of when you paid costs 2.50 over the phone and is well worth it)

I Called the next day to make sure payment had been received low and behold I get the same rude man...fortunately I was on my cell with speaker on and had a co-worker with me to witness this mans hateful attitude...I asked if I would get a statement for my February payment he informed me "MA'AM, we are not legally obligated to send you a statement but you are legally obligated to pay your bill!" I told him that I would pay the bill but I needed a statement, he interrupted and stated "AGAIN MA'AM we are not legally obligated......) I said okay but if I don't get a statement, he interrupted me here and said "MA'AM FOR THE THIRD TIME" I interrupted him and said "SIR, I need to know how much I need to pay for February, therefore I need some kind of statement!" Oh, MA'AM I can give you that information. He then told me what I owed for February which I went home and tried to paid via Western Union, it would not take my payment as it was "NOT A SUFFICIENT AMOUNT TO BRING YOUR ACCOUNT CURRENT" I called Saxon and found that the payment I made in January had been placed in a SUSPENSE account and not credited. It would be taken care of in 24 - 48 hours. On Feb 2nd I made my payment via Western Union. In March when I called to make my payment I again got "NOT A SUFFICIENT AMOUNT TO BRING YOUR ACCOUNT CURRENT" Called Saxon again....the January payment was still in the suspense account..."we'll correct it give us 24 - 48 hours. I made the March payment on the 7th.

I got a bill for April and it showed 180.00 late fess. I called Saxon and explained I shouldn't have late fees, person #1....you were on a payment plan it is standard practice ME: my contract says: no fees accrue as long as agreement is kept...transferred call

Person #2...It is standard practice to charge late fees on payment plan accounts...ME: my contract says no late fees....transfer call Person #3(incredibly enough Mr. RUDE) MA'AM it is Saxon policy you are paying late payments while on the plan therefore you are charged late fees ME: I don't have my contract in hand but I know it says(MR. RUDE INTERRUPTS) MA'AM this is the way we do it. I hang up, find my contract call back...Expalin to person #1 she transfers me..explain to person #2 she transfers me HOLY COW person #3 MR RUDE "MA'AM we went over this yesterday (I INTERRUPT) SIR! I have a contract in my hand paragraph 4 section c towards the bottom says (HE INTERRUPTS ME...PUTS ME ON HOLD) 5 minutes later...MA'AM your account has been credited subtract the fees from your payments and you shold owe XXX.XX for April.

I gave it a few days called to make payment "NOT A SUFFICIENT AMOUNT TO BRING YOUR ACCOUNT CURRENT" called Saxon explained this SUSPENSE ACCOUNT had supposedly been cleared up in Feb, then again in March, now it is April and still not corrected...I will make payment when it is corrected. On the 19th of April I made payment. I missed May and called in June to make all of May & 1/2 of June..we don't accept partial payments, I'll put you on a payment plan...paid the 1000.00 I offered to begin with financed 400.00 over next 4 payments. Never got paperwork called in July to find out payment amount was told 1400.20...WHAT!!!!! Researched and found person had set up account wrong, could I pay 1100 by the end of July..yes! Called in July to make payment...guess what 1000.00 payment never credited but placed in SUSPENSE ACCOUNT! "MA'AM we don't know when payments go into Suspense account!" I paid over phone with rep who supposedly corrected account. called and emailed saxon to complain tha they had me listed as 90 days past due on my credit bureau report and still had the foreclosure action pending in court that had been taken care of in January.

They would look into my credit report and "I" needed to contact "Their" attorney to have the foreclosure dismissed! I did and it was! Credit bureau report still has never been corrected. Despite Saxon trying to ruin me I finally found another company to refi with. Low and behold when they pulled my title, it shows a pending foreclosure, but the foreclosure doesn't show up anywhere else. They send the dismissal paperwork to the title company. Title company wants paperwork showing bamkruptcy dismissal as this is how the attorney is telling them it was dismissed..after many, many phone calls they finally get it through their thick heads there IS NO BANKRUPTCY...then they won't remove the foreclosure off the title because it was filed by J.P. Chase, not Saxon, although they admit they know it is one and the same. I call Saxon and am told, it is part of my title history and will never be removed, I state I understand it is that "HISTORY" but they have it listed as pending foreclosure on the title, sorry MA'AM it will remain....Maybe Saxon should familiarize themselves with Florida Statute 702.08!

Thank God despite Saxon ruining my credit report and Mortgage score I was able to finance with another company, although at a less than attractive rate. I figure one year at a crappy rate and I can refi for better! and now that I am no longer under Saxon's ARBITRATION RIDER I have filed a complaint with FTC and plan on taking all documentation to an attorney. I printed out their info about my account from their website. Of course, when you quote anything from their website they are quick to tell you, Oh, that information is not accurate! Hate it for them, cause, that is exactly what happened, it clearly shows my payments being made on time BUT...being placed into a suspense account by Saxon, it also shows multiple "PROPERTY INSPECTION FEES" in a single month, a couple of months which payments were on time and charges should not have been applied! This is just the highlights of what they have done/tried to do over the last 6 months! Feel free to contact me if you would like to know who I refinanced with, maybe they can help you too!

Toby

Crestview, Florida
U.S.A.


6 Updates & Rebuttals

Sarah Shepard

Jacksonville,
Florida,
USA
Perhaps We Can Help

#2Consumer Suggestion

Tue, December 06, 2016

Hello,



My name is Sarah Shepard,I am replying to you because saw your comment reply aboutSaxon Mortgage Service involvement with your mortgage. I work for a company that deals with these types Saxon Mortgage Service have been one of the names that has been coming up a whole lot lately. It seems they are involved with a ton of fraudulent loans.

We will be able to advise,consult and educate you. You may be able to receive the compensation you deserve due to the negligence of the lenders involved. It is your obligation to yourself to use your last means of defense to get to the truth of this matter. Once you provide evidence that they have been collecting on your property illegally you can take it to court and petition to void the deed of trust.

 

When and/if your property is being foreclosed on one of the things we do offer is a packet for a Stay of Execution which has stopped at least two of our clients from losing their homes until we were able to finish the investigation for them.



Please get into contact with myself or the company as soon as possible to see what we can do to help you with this. Trust me it's worth it. I would encourage you and anyone who has contacted you to get in touch with us ASAP.



Below I will leave a brief explanation of what we do and all the contact numbers along with the facebook page and website. I also have an email newsletter and PDF for you to review if you wish to review them send me an email and I will get them both to you. Attached to this reply is a copy of my buisness card will our contact information on it as well.



Sincerely

Sarah Shepard.

All Lenders are must produce the Documents required by Law to prove ownership of the loan. This is called Validation.

We at Ameri Docs Process prepare the Documents you need to gather evidence showing the loan is invalid.

This means you the homeowner cannot get a clear Title. You have the right to challenge the Mortgage note to Quiet the Title in the court of Law.



Here are the website and Facebook links:

https://www.facebook.com/ameridocsprocess?ref=hl

http://ameridocsprocess.com/



Business Number:

1-800-296-1477

(904) 229-8150

Our Toll Free Fax Number

1-800-296-1477



Feel Free to email me @:

[email protected]

 

 

 


Maxviren

Pana,
Illinois,
U.S.A.
Who did you refinance with?

#3Consumer Comment

Tue, November 06, 2007

I would like to know who you refinanced with, maybe they could help me too!


Toby

Crestview,
Florida,
U.S.A.
Oh it is so nice to not have to deal with Saxon any more. final chapter

#4Author of original report

Thu, November 03, 2005

But I must tell you the final (I hope) chapter. After closing my new loan, I received paperwork from Saxon showing what my refund would be (990.++ escrow account refunded to me) it, of course, was inaccurate. I called and explained they were charging me interest for July 1 through Sept 6 when July payment had already been paid and the loan would have closed in October had it not been for their attorney not filing the paperwork in January to dismiss the foreclosure that never happened. (the paperwork was not filed until I called and raised sand in July.) While my current mortgage lender was trying to get the attorney to file the paperwork, they were told the foreclosure was dismissed in bankruptcy proceedings, it took us two weeks to convince them I NEVER had a bankruptcy! Anyway, Saxon had their stock reply, "we'll investigate" three weeks later I received a check from Saxon for over 2000.00, no break down, nothing. I figure it was the corrected escrow amount (which was over 1000.00 to begin with) plus all the inaccurately charged fees I had raised so much cain about! A week later I got another check for about 40.00 again no explaination. But Saxon did get their last dig in, any time I've paid off a mortgage in the past the paid off mortgagor filed all necessary paperwork to release the lein. Last week I got a letter from Saxon with the release of Lein attached saying "I" needed to file it at the courthouse. So now I have to go pay the filing fee. Of course the previously mentioned credit report errors have never been corrected as a matter of fact, they verified, the inaccurate information recently! But I'm done with them and couldn't be happier, I see the attorney next week to see what I can do to stop them from doing his to others and I do plan on having him look at this site to see I am not the only one they have done this too! Keep tryng to get away from Saxon if you can, trust me, you can even with crappy credit (like I have) first obtain and scrutinize your credit report, dispute anything you can (double reported items, incorrect info, expired accounts, refinanced accounts where oldand new account is showing) the more you have deleted the better you score will be. It took me three months to get my credit barely over 500 by having items removed, some I had to dispute two or three times. Get your score to at least 500 and you can get refinanced with someone else. Your rate may not be attractive and your payment may even be a little higher but you'll be rid of the Saxon monkey and in 6 months to a year, if you keep the account current, you can refi for a better rate! Keep up the good fight and good luck!!!!


Toby

Crestview,
Florida,
U.S.A.
Oh it is so nice to not have to deal with Saxon any more. final chapter

#5Author of original report

Thu, November 03, 2005

But I must tell you the final (I hope) chapter. After closing my new loan, I received paperwork from Saxon showing what my refund would be (990.++ escrow account refunded to me) it, of course, was inaccurate. I called and explained they were charging me interest for July 1 through Sept 6 when July payment had already been paid and the loan would have closed in October had it not been for their attorney not filing the paperwork in January to dismiss the foreclosure that never happened. (the paperwork was not filed until I called and raised sand in July.) While my current mortgage lender was trying to get the attorney to file the paperwork, they were told the foreclosure was dismissed in bankruptcy proceedings, it took us two weeks to convince them I NEVER had a bankruptcy! Anyway, Saxon had their stock reply, "we'll investigate" three weeks later I received a check from Saxon for over 2000.00, no break down, nothing. I figure it was the corrected escrow amount (which was over 1000.00 to begin with) plus all the inaccurately charged fees I had raised so much cain about! A week later I got another check for about 40.00 again no explaination. But Saxon did get their last dig in, any time I've paid off a mortgage in the past the paid off mortgagor filed all necessary paperwork to release the lein. Last week I got a letter from Saxon with the release of Lein attached saying "I" needed to file it at the courthouse. So now I have to go pay the filing fee. Of course the previously mentioned credit report errors have never been corrected as a matter of fact, they verified, the inaccurate information recently! But I'm done with them and couldn't be happier, I see the attorney next week to see what I can do to stop them from doing his to others and I do plan on having him look at this site to see I am not the only one they have done this too! Keep tryng to get away from Saxon if you can, trust me, you can even with crappy credit (like I have) first obtain and scrutinize your credit report, dispute anything you can (double reported items, incorrect info, expired accounts, refinanced accounts where oldand new account is showing) the more you have deleted the better you score will be. It took me three months to get my credit barely over 500 by having items removed, some I had to dispute two or three times. Get your score to at least 500 and you can get refinanced with someone else. Your rate may not be attractive and your payment may even be a little higher but you'll be rid of the Saxon monkey and in 6 months to a year, if you keep the account current, you can refi for a better rate! Keep up the good fight and good luck!!!!


Toby

Crestview,
Florida,
U.S.A.
Oh it is so nice to not have to deal with Saxon any more. final chapter

#6Author of original report

Thu, November 03, 2005

But I must tell you the final (I hope) chapter. After closing my new loan, I received paperwork from Saxon showing what my refund would be (990.++ escrow account refunded to me) it, of course, was inaccurate. I called and explained they were charging me interest for July 1 through Sept 6 when July payment had already been paid and the loan would have closed in October had it not been for their attorney not filing the paperwork in January to dismiss the foreclosure that never happened. (the paperwork was not filed until I called and raised sand in July.) While my current mortgage lender was trying to get the attorney to file the paperwork, they were told the foreclosure was dismissed in bankruptcy proceedings, it took us two weeks to convince them I NEVER had a bankruptcy! Anyway, Saxon had their stock reply, "we'll investigate" three weeks later I received a check from Saxon for over 2000.00, no break down, nothing. I figure it was the corrected escrow amount (which was over 1000.00 to begin with) plus all the inaccurately charged fees I had raised so much cain about! A week later I got another check for about 40.00 again no explaination. But Saxon did get their last dig in, any time I've paid off a mortgage in the past the paid off mortgagor filed all necessary paperwork to release the lein. Last week I got a letter from Saxon with the release of Lein attached saying "I" needed to file it at the courthouse. So now I have to go pay the filing fee. Of course the previously mentioned credit report errors have never been corrected as a matter of fact, they verified, the inaccurate information recently! But I'm done with them and couldn't be happier, I see the attorney next week to see what I can do to stop them from doing his to others and I do plan on having him look at this site to see I am not the only one they have done this too! Keep tryng to get away from Saxon if you can, trust me, you can even with crappy credit (like I have) first obtain and scrutinize your credit report, dispute anything you can (double reported items, incorrect info, expired accounts, refinanced accounts where oldand new account is showing) the more you have deleted the better you score will be. It took me three months to get my credit barely over 500 by having items removed, some I had to dispute two or three times. Get your score to at least 500 and you can get refinanced with someone else. Your rate may not be attractive and your payment may even be a little higher but you'll be rid of the Saxon monkey and in 6 months to a year, if you keep the account current, you can refi for a better rate! Keep up the good fight and good luck!!!!


Toby

Crestview,
Florida,
U.S.A.
Oh it is so nice to not have to deal with Saxon any more. final chapter

#7Author of original report

Thu, November 03, 2005

But I must tell you the final (I hope) chapter. After closing my new loan, I received paperwork from Saxon showing what my refund would be (990.++ escrow account refunded to me) it, of course, was inaccurate. I called and explained they were charging me interest for July 1 through Sept 6 when July payment had already been paid and the loan would have closed in October had it not been for their attorney not filing the paperwork in January to dismiss the foreclosure that never happened. (the paperwork was not filed until I called and raised sand in July.) While my current mortgage lender was trying to get the attorney to file the paperwork, they were told the foreclosure was dismissed in bankruptcy proceedings, it took us two weeks to convince them I NEVER had a bankruptcy! Anyway, Saxon had their stock reply, "we'll investigate" three weeks later I received a check from Saxon for over 2000.00, no break down, nothing. I figure it was the corrected escrow amount (which was over 1000.00 to begin with) plus all the inaccurately charged fees I had raised so much cain about! A week later I got another check for about 40.00 again no explaination. But Saxon did get their last dig in, any time I've paid off a mortgage in the past the paid off mortgagor filed all necessary paperwork to release the lein. Last week I got a letter from Saxon with the release of Lein attached saying "I" needed to file it at the courthouse. So now I have to go pay the filing fee. Of course the previously mentioned credit report errors have never been corrected as a matter of fact, they verified, the inaccurate information recently! But I'm done with them and couldn't be happier, I see the attorney next week to see what I can do to stop them from doing his to others and I do plan on having him look at this site to see I am not the only one they have done this too! Keep tryng to get away from Saxon if you can, trust me, you can even with crappy credit (like I have) first obtain and scrutinize your credit report, dispute anything you can (double reported items, incorrect info, expired accounts, refinanced accounts where oldand new account is showing) the more you have deleted the better you score will be. It took me three months to get my credit barely over 500 by having items removed, some I had to dispute two or three times. Get your score to at least 500 and you can get refinanced with someone else. Your rate may not be attractive and your payment may even be a little higher but you'll be rid of the Saxon monkey and in 6 months to a year, if you keep the account current, you can refi for a better rate! Keep up the good fight and good luck!!!!

Reports & Rebuttal
Respond to this report!
Also a victim?
Repair Your Reputation!
//