Consumer reviews and reports on scam companies, bad products and services
1st Loan Modification
1st Loan Modification of America, LLC Paid for loan modification, company gave us the run around for over a year and now closed Las Vegas, Nevada
6th of Jul, 2011 by User515332
My parents began a loan modification process about a year and a half ago with this company. They paid $3,000 for a loan modification to lower our monthly mortgage payments. For about a year, the process didn't go anywhere because the company was not submitting complete paperwork to the bank (lender), which resulted in our case being closed twice. We kept insisting to the company to please submit complete paperwork, but they pointed the finger at the lender. I was not made aware of this by my parents until about two months ago. That's when I stepped in as the primary contact because I wanted to get this issue resolved as soon as possible. My parents had told me that the company had a very nice large office, but then soon after signing the contract, the company moved locations to a less appealing location and downsized. The company said this was due to another branch opening in another state, and some employees relocated to that new branch. This seemed very odd to us, but we proceeded anyway. As the primary contact, I quickly learned that this company was a joke. The representative we worked with was Marcie Lema (which was not our initial rep- as our initial rep relocated to the new office). I decided to keep in touch with Marcie via email as much as possible so that I have proof of our conversations in case we ever needed to go to court. She was very rude, and had very poor grammar. Often, I had to ask a few times to get an email clarified. Even after I was the primary contact, the case had not moved according to Marcie because the bank was not looking at the paperwork. However, the bank told us that they received the paperwork, but a new case needed to be opened, and not re-opening the past one. According to the bank, Marcie kept insisting the bank to re-open the past closed case, but our bank made it clear to her that it was not possible. This delayed our modification for weeks. At this point, I requested for an appointment with the General Manager. It has been about a month since I sent that request, and no response yet. So then Marcie agrees to open a new case, which required us to once again fax all paperwork to Marcie. At this point, we wait to get a response from the bank. Instead, two weeks later (yesterday), we get a letter from the company saying that it has closed, and a refund will be used for $250, for not finishing the last phase. Upon making a phone call to the business, we find out that the line has been disconnected. We don't want $250 back, we want the $3000. The company did not inform its customers of its closing until AFTER it closed. This is a highly unethical practice and fraud. The company has been giving us the run around and not completed anything, only waiting for the company to close so that they can keep our money. Upon searching the internet for information about the General Manager- Rafael Fernandez, I was able to get his cell phone number. Upon calling and telling him that we will seek legal action, he used offensive language. At this point, we are seeking a possible class action lawsuit. Please respond to this complain if you were scammed by this company, and lets search for the solution. Thanks.
3816 days ago by Anonymous
I all ready answer to your other scam report as an ex- employee, and I also contacted you in Facebook, I wish I can copy and paste the same answer but if anyone wants to see it go to
Marcie Lema

for the record, Rafael Fernandez is a douche-bag is the worst scumbag from the face of the earth that could not even face all borrowers or his employees and tell them hi was closing the Company .
He does owed me $4000.00 in payroll.

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