Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/21/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was contacted by a representative of FreeMortgage Modification Counseling Services in regards to a mortgage that due to the death of my husband from ***** we were running late. It was indicated that this organization was working with *** and the State of Oklahoma for Homeowners Assistance. After several lengthy conversations with a man ************* *****, he indicated that FreeMortgage Modification Counseling Services were authorized to help and requested information. I had reached out to Oklahoma Homeowners Assistance Program and was awaiting a call from someone, "Mr **** *****" stated he was the contact. After an application process, disclosing personal, financial and government social services information I was asked the Trust him to complete the Loan Modification, send payments in for $1200 each month which were going to put in ****** to be paid upon completion to the mortgage holder. There were three payments totaling $3600. made before foreclosure was filed. Mr ***** stated he was in communications with the mortgage company, as well as the State of ********, and ***. After the foreclosure was filed I contacted MR **** *****, he stated he stopped the foreclosure and remedied the situation which was not true. I requested the funds back as no loan modification was done and my calls were not returned. We have not received the funds back and we directed by the courts to file fraud charges. Mr **** *****, ***** **** and others were directly involved in thisatter claiming to work with the State of Oklahoma, the *** and the ***** Assistance Program. None of this information is factual.I have emails, text messages and phone conversations available. I request that the funds be returned and this business be shut down from fraudulent activity as they have done this in other states as well.

  Business Response

  Date: 04/10/2025

  Hello Ms. ************** understand sometimes modification process can be difficult to understand but through out the process we made sure that you are guided and updated at every step of whats happening with the modification assistance request. We were able to pull out an approval of partial claim so that your house can be out of foreclosure, we have helped many homeowners and received appreciation in writing and through ****** reviews, they all can vouch for our services and what we have done for them however unfortunately we were not able to meet your expectations and we sincerely apologise for that.
  Our company policy to to issue a full refund to anyone who wishes to cancel our services, we hereby confirm that full refund of $3600 has been issued to you and sent via paper check ( mail overnight, tracking ER186029298US ). You should already have received it. For any further clarification please feel free to contact us.

• Initial Complaint

  Date:01/30/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a complaint about a company called Free Mortgage Modification Counseling I was told by ******* they help me get a Forbarence on my Mortgage I sent paper work then a person named *** ***** took over he could get everything done I would have to pay my mortgage for 3 months I said ok. Sent all this paperwork to them then they had a fee I stated once I give you this fee everything would done with the bank and I wont have to pay for 3 months so I called the checked on everything they said it wasnt going through because the bank does the Forbarence for free I confronted *** ***** he stated that I had talk to the bank with him on the phone is strange but to make a long story short I didnt get asked for my money back *** ***** said they did the job but I never received the service

  Business Response

  Date: 01/30/2025

  Hi,

  thanks for reaching out to us, as you were approved for the forbearance plan, you should have known that no plan can be given by the mortgage company without the paperwork being submitted. We did the paperwork on your behalf which took us days to get you approved. If you still have any doubts pls feel free to reach out to us at ************

• Initial Complaint

  Date:11/19/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid Free Mortgage Modification ******** I have been calling for months for a refund I spoke to Max 3-4 times already now when you call they don't answer. I'm done working with the mortgage company they refuse to help us. This is wrong for get a person's money and say you are returning and never do now no phone to talk to anyone please send me my money ASAP I must move

  Business Response

  Date: 11/29/2024

  Hi,

  we are processing the refund and will reach out to make payment arrangements.

• Initial Complaint

  Date:11/07/2024

  Type:Product Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a response from the BBB which included a reply from stated company on October 17, 2024. I was unable to respond within the alloted 10 days. This is my response. I sent over $8000 to the above company over a time period of September 2022 - May 2023. In June 2023, I cancelled my association with this company for lack of progress with my modification and increasing unprofessionalism of Mr. **** *****. I have multiple emails from him assuring me that I would be refunded my "escrow" account. As of this date, I have received ONE payment of $1200 and that was last February, 2024. I have more emails after that date but no money ! My initial complaint was assigned ID: ********. Thank you for any assistance you can give.

• Initial Complaint

  Date:10/24/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They have took 3200 hundred of my money thought they was helping now no answer and Im about to lose my home I have no place to go Im disable and retired Ive got two daughters thats disabled also Im widow I was just trying to get a lower rent payment and they got me I feel like such a fool where will I go Ive tried for over ***************************************************************************** everything

  Business Response

  Date: 11/03/2024

  Hi,

  we already have discussed this with Ms. ******* we have resolved it and still working with Ms. ****** to get her the final outcome of modification.

• Initial Complaint

  Date:10/16/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I deposited 4 transactions March 9th ******* April 27th ******* May 29th ******* and June 30th. I spoke to Max 4 times and others at least 3 times they claim they was returning my money back to the bank it's not there yet. I need my money ASAP I have to move I didn't get the help and the mortgage is a problem also. Please return my ******* back to my bank I'm told I may have to get a lawyer I hope not. When people trust you you should keep your word and help them or return their funds honestly. I'm not sure why the phone is not being answered but they are not calling back please return my money I'm a single elderly lady that needs her money ASAP.THIS IS NOT RIGHT PLEASE CALL ME AND LET ME K IW MY MONEY IS BACK IN MY BANK ASAP THANKS.

  Business Response

  Date: 10/16/2024

  Hello *****,

  Your process for request to mortgage modification is still under process and often it takes time for final out come however if you would like to cancel the services you can call us back at ************ for the refund assistance.

• Initial Complaint

  Date:10/14/2024

  Type:Service or Repair Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  September 16, 2024, "******* *******"" (if that is her real name because she was of India decent) demanded me to send $2,100 to Free Modification Counseling LCC for partial payment of my mortgage. She wanted me to send a total of $2,800. I was going to send the remaining amount on that following Friday, but that day 9/27/2024, I cancel the services. She sent someone's else hard ship letter and wanted me to copy it. According to their website no money was due, however she began asking for money. She claims she can get my mortgage to $2,800 and I was to send the payments to her, and she will make the payment. She also told me not to make my payments. Instead, after I stopped services and asked for my money back, she began to bash me. I would get the calls asking for money, but when I asked her about paperwork she have sent over to the "Investors" she couldn't prove. Then another lady got on the phone and was rude stating about you don't think she should get paid? I explained to her she didn't do anything, I never received an Approval letter, and my outstanding bill was going up. Instead, she kept on sending me reviews from their site and sent me a bad review regarding my mortgage company and basically said rude and mean stuff about us not paying our mortgage. I also called *** and apparently, several people been concerned about their ethics. I sent serval emails requesting my money back since that was my mortgage payment she was holding, in which that was not an escrow account. She also told me that the investors will not speak to me. Now after requesting my money back their phones do accept calls, but she did respond to my email, talking about technique problems. Also, she talks about investigating and I will not get my money back. I never seen an approval letter from them. She wanted to secure my mortgage payment and I never seen anything. Money was all what she was speaking on, we send our financials and they that advantage of us. Not right.

  Business Response

  Date: 10/16/2024

  Hello Ms. ************************* style="font-size: *****rem; -webkit-text-size-adjust: 100%;"> for the delayed response as we were finding all the facts involved in getting you approved for a modification. Upon confirmation from your mortgage company, your request for a modification through us has been already approved and approval letter was mailed to your mailing address however as per our company policy, we refund the whole amount in case of client wants to withdraw. So here by confirm that you we receive your full refund in next 15 days. Please feel free to reach out to us if you have any doubts or concerns.

  Customer Answer

  Date: 10/22/2024

   
  Complaint: 22421007
  
  I am rejecting this response because: ******** ******** called me on the 10/16/2024 requesting two forms of repayment.  One was Zelle and the other one was my bank account in which the money was transferred from.   She said they will do a spilt payment and that the bank account payment will have to be deposited directly by them. (I didn't do a split payment, and I don't understand what is going on.   She also told me to call her Friday October18th or Monday, October 21 and she will give me a date, no answer on both days.  I called today as well October 22 no response.  At this point I was trying to build up the trust with this company, but by not answering my calls and stating that I will receive my full refund back within the 14 days, I cannot close this case out until I see my money back into my account.  Once again that was my mortgage payment that she took from me.   Please help.... Just imagine other people who have done the same thing and don't know where to begin in reporting the ethics of this company.  
  
  Sincerely,
  
  ****** ********-******

• Initial Complaint

  Date:07/09/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company with the person of ****** was helping me negotiate with my Mortgage Company ***************, they asked me to deposit $1250 for two months so they could negotiate better conditions in interest and fees, I naively sent them $625.00 to start, but their negotiation did not have success and they told me that I should deposit the money directly to **************** the problem is that they do not return the money that I sent them, I call them and write but they only tell me that they are going to do it but in reality they do not deposit anything and they do not They return the money sent.

• Initial Complaint

  Date:05/21/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was contacted by this company offering assistance to help me with my mortgage that was behind my house was almost going through foreclosure I gave them over a month or more to work on this and they said they wanted to start an escrow account for me to send the money I could send I sent them $1,000. But it turns out the mortgage company was not willing to deal with them or reconsolidate anything or help in any way so I had to take another avenue and went through my son who he took out a loan so that we could pay the mortgage up to date as of that time before I even received the loan from my son I advised the company that I needed my money back out of that escrow since I am going to correct this myself and we borrow money to pay off the delinquency of the mortgage now my mortgage is up to date and I told them this about a month now I think it is that I had to have the money back no later than the 15th of this month May in order for me to pay my mortgage and not fall behind again they said they would and now they said they got hacked or something like to that effect. I sent them the $1,000 on February 2nd of ******************************************************************************************************************************************* the refund it was not a purchase this was for an escrow account to be held in my behalf so that they can negotiate with the lender of my mortgage please any help would be severely appreciated I am going delinquent on my mortgage again because they won't return my money can you help? Sincerely ********* ****** ******

• Initial Complaint

  Date:01/09/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was contacted by ******* and I was told that they could get my mortgage payment and interest reduced and any late fees would be put on the end of the loan. I sent in the necessary documents and I spoke with ***** several times. Our last conversation she said she had asked for a payment of $1300 after I had already informed her that I would not be able to afford it. Then she told me she asked for $950. I caught her in several lies in the same call. Today she informed me that in fact a resolution could not be reached after I was promised that they could help me. I told the original caller every thing going on concerning my situation and he even called the mortgage company and verified everything I had told him. I believe this company does not keep their word. Fortunately for me I didn't send them any money.

  Business Response

  Date: 01/19/2024

  Sir, we DONT charge our clients any form fee before we get the our clients approved for a modification. If that answers everything or else Feel free to contact us.