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Thu May 16, 2013, 12:51 PM

If your mortgage was transferred to Green Tree Servicing, see this:

Many many complaints all over the Internet about this company, which purchases mostly sub-prime loans, but also now has prime loans, from not only BOA, but GMAC, Wells Fargo, other mortgage holders who sold to Green Tree.
If you want more info on all the problems people have had with this company, just google "Green Tree complaints".

Written on every piece of paper from Green Tree is " This letter/notice/statement is from a Debt Collector".

For now, here is notice of a Class action lawsuit:

Class Action Against Green Tree Servicing, LLC & Ongoing Investigation into GTS’s Business Practices
http://theleonardlawoffice.com/tag/green-tree-servicing-class-action/

On April 3, 2013, a class action lawsuit was brought against Green Tree Servicing on behalf of a national class seeking redress for alleged violations of the Telephone Consumer Protection Act (“TCPA”). The complaint alleges that Green Tree Servicing autodialled the plaintiff’s cellular phone as many as 100 times about a debt which he did not owe. The case is the result of a ten month investigation by the Leonard Law Office LLP, a consumer protection law firm.

A copy of our class action complaint against Green Tree Servicing, filed in a Massachusetts federal court, is here.

http://attorneyprestonleonard.files.wordpress.com/2013/04/green-tree-servicing-class-action-complaint-filed1.pdf

Green Tree is owned by Walter Investment Management Corp.
http://www.walterinvestment.com/

A leading business solutions provider focused on generating recurring, fee-based revenues from an "asset-light" platform. We specialize in offering creative, structured solutions to owners of less-than-prime, non-conforming and other credit-challenged mortgage assets.

Over our 50-plus-year history, we have pioneered a disciplined approach to underwriting, coupled with a high-touch servicing platform.


Translation...we make money by squeezing mortgages for every penny we can get.
One of the common complaints is "forced" insurance, whereby they take the monthly mortgage payment you send in, apply it to purchase of THEIR insurance, then declare you are deliquent on your mortgage.
Forced place insurance is illegal, btw...

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Arrow 32 replies Author Time Post
Reply If your mortgage was transferred to Green Tree Servicing, see this: (Original post)
dixiegrrrrl May 2013 OP
Ckangel999 Dec 2013 #1
dixiegrrrrl Dec 2013 #2
azurnoir Dec 2013 #3
kpatte1 Jan 2014 #4
mills40 Oct 2014 #5
dixiegrrrrl Oct 2014 #6
Buddy1969 Nov 2014 #7
lula3 Jan 2015 #8
dixiegrrrrl Jan 2015 #9
DDavis5136 Jan 2015 #11
dixiegrrrrl Jan 2015 #12
DDavis5136 Jan 2015 #13
marble falls Jan 2015 #10
Ladyb56 Feb 2015 #14
dixiegrrrrl Feb 2015 #15
Maryedel7 Mar 2015 #22
John1956PA Feb 2015 #16
jimev2again Mar 2015 #17
jimev2again Mar 2015 #18
dixiegrrrrl Mar 2015 #19
jimev2again Mar 2015 #20
jimev2again Mar 2015 #21
7910sandy Mar 2015 #23
NvrsayNvr Jun 9 #29
Lokifan Jun 26 #32
DDavis5136 Jun 10 #31
JDPriestly Jun 10 #30
What to do Jun 1 #24
dixiegrrrrl Jun 1 #25
What to do Jun 1 #26
dixiegrrrrl Jun 1 #27
gopiscrap Jun 2 #28

Response to dixiegrrrrl (Original post)

Thu Dec 12, 2013, 10:50 AM

1. Also a victim!

I've been dealing with them for over a year since they bought my existing mortgage. They are terrible!!! They harass me with non stop phone calls before the 14 day grace period. I'm a police officer and they called my dispatch when I was at work. I immediately called and asked them not to and the man I spoke with, who refused to tell me his name, started screaming at me asking why haven't I made my payment...at that point I had my mortgage 6 years and was never 30 days late. This company is horrible and should be stopped!

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Response to Ckangel999 (Reply #1)

Thu Dec 12, 2013, 12:36 PM

2. Check your consumer laws..calling the job is illegal.

They boldly state they are a collection agency,on their letters to you and on the mortgage bill.
Therefore they have to abide by collection agency laws.
Hope your state is one that enforces them. If so, you can write a letter of complaint to the AG Consumer Protection Office.
That office might be slow, but will respond.
Hell, even Ala. responded to my complaint about robo sales calls.

You can also add your complaint to one of several good on line consumer sites, which you can find by searching
"Green Tree mortgage complaints"
That should bring up one or two reputable sites. The Consumerist is one of them.
Keep copies of everything.

Here is another tactic you can use: in some states, you can legally record phone calls to you.
In Ala. all I have to do is tell the other party I am recording the call..check out your state law.
Amazing things happen when an asshole calling you thinks they are being recorded.
Even more wonderful things happen when the asshole you are talking to thinks you are typing the conversation onto
"one of the national consumer web sites I belong to...have you ever heard of The Consumerist?"

I have done that a few times and boy, people do not like it, esp. when I add I am taping the call to be sure I get everything correct.

The worse thing you can do is show them you will not stand up for yourself.
and be warned about late payments...they can and will declare your payment arrived AFTER the grace period.
If you live in an area where they can quickly sell an foreclosed home, they will foreclose, because they make money by foreclosing.

read up on them and on your consumer protection laws. Your house is worth the time to do so.



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Response to Ckangel999 (Reply #1)

Thu Dec 12, 2013, 05:02 PM

3. I don't know what state you're in but in mine MN it is illegal to call a persons

job once you have requested they do not-also you're police officer it would seem calling the dispatcher for such a purpose (personal business not pertaining to police work) could also be breaking some law

part of the problem is that Green Tree at least here handles mostly 'mobile' homes and those fall under different laws than a fixed home -mobile homes are considered personal property like a car and none of the protections that are in place for fixed dwellings apply

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Response to Ckangel999 (Reply #1)

Thu Jan 16, 2014, 05:39 PM

4. My experience with Green Tree and my suggestions. Facing Foreclosure due to their lying and stealing

I apologize for the length but i am trying to deal with this and help others. I have included samples of letter to send, federal and stated suggestions, better business bureau as well. it is imperative you take action and contact every possible local, state and federal agency about Green Tree.


I have never been late or delinquent. My mortgage was transferred to green tree (Greed Tree..I just made that up right now) transferred from Bank of America not too long ago. I am going to post what has happened and what I did and what you should do. I will fuck them up....just kidding ha ha ha. you should tooo..They fucked with the wrong person. I would never condone violence however if people are that pissed just remember the workers are not the problem, they are just trying to make a living and not lose a job, despite there bullshit too. The leaders are the problem...They are organized crime with what they do. No they are worse at least with the Mob you know what the fuck to expect, well they won't know what to expect after they get their teeth knocked down their throats by someone that has that lost it all to those fucking vultures. So here we go. MY state attorney read my complaint and took immediate action to assist. The Federal trade commission has taken immediate action to assist.

1- Stop answering any phone calls from the SOBs, Keep their messages and re-record them with dates so you have copy. Android apps have a number of free recording apps. Make sure you are covered by knowing that you have checked to make sure your payments and other financial issues are in order and Greed Tree is wrong. Start a simple journal of events, who, what where, when and how, and inform Greed tree you are recording there statements, "I would tell them "This conversation is also being recorded for quality purposes and record the mother fuckers. Put your phone on speaker phone too record.
2-Note all financial transactions. contact any agency that may be sending money to Greed Tree and get names, dates, routing and tracking number. Believe me they have tracking and routing numbers. if you have a hard time tell them the truth and that your home and financial future rely upon this information for legal purposes.
3-If possible have any agency that send money to Greed Tree perform a 3 way conversation and have the agency inform greed tree about any payments made. Again tell them you are recording for quality....whatever. fuck it record the mother fuckers anyways. some states allow one party approval, that you fuck Greed Tree and their approval.Fight fire with fire, no use nitro.
4-If you are certain you are not wrong begin the more serious legal issues.
A-Send a Dispute to Validate Debt......registered, certified mail.
___________________________________________________________________________________________________________
SAMPLE dispute letter.
Your Name
Current Phone: (###) ###-####
Your Mailing Address
City, CA ZIP Code
Certified mail, return receipt requested
Names of Each Debt Collector Employee Involved
Name of Debt Collection Agency
Address on Agency Letterhead
City, State ZIP Code
RE: File No. ###
Account No. ###
Creditor's Account No. ###
NOTICE OF DISPUTE AND REQUEST FOR VERIFICATION

To the Management of this Collection Agency and the above-noted employees:

Please show in your records that I dispute this account. Please verify this account by providing me with copies of the following documents: credit applications, contracts, account statements, . . . .

Your reporting of this account shows a $______ balance has been overdue and is now delinquent since ________ . This is not complete or accurate, because I do not owe this balance, because it is was ________ . A copy of _______ showing this is attached

If you refuse to report this account accurately and completely, then please notify each credit reporting agency that the reported information is disputed by the consumer.

Sincerely,
/sign/
YOUR NAME
____________________________________________________________________________________________________________

Next Send a cease and desist letter about a week later.
Sample: Check it carefully i may have missed a couple things but it is close and worked for my use.


Certified mail, return receipt requested
To: Green Tree Servicing, LLC Walter Investment Management Corp.
PO Box 6176 3000 Bayport Drive Suite 1100
Rapid City, SD 57709-6176 Tampa, FL 33607
Phone: (813) 421-7600

Account No:
Date
RE: Cease and desist from harassing/stalking calls to my home phone or any other phone I may own. In addition you are ordered by me to not contact any person or place about me (Your Name) from Green Tree Services, and any representative of Green Tree.
Dear Green Tree Services LLC,
This CEASE AND DESIST ORDER is to inform you that your persistent actions including but not limited to calling me daily and sending me a letter of delinquency have become unbearable. Green Tree calls my home (Whatever is correct-daily and at times more than 1 time daily regarding my mortgage. I have indicated to Green Tree in the past that ____Name of who paid__________ has submitted payment. I was also informed that there is a grace period for mortgage transfer (if appropriate). I began receiving harassing phone calls shortly after my mortgage was transferred to Green Tree. I informed Green Tree numerous times to stop calling me or contacting me in any form, that payments have been sent and on what day sent. Your refusal to stop calling me despite my numerous requests for you to stop is not tolerable any longer.
On __Date__________ (representative from agency submitting your fund or you), contacted Green Tree and spoke to your representative, (Name, try to get full name and id). I indicated to all parties I was recording the phone conversations. All parties indicated approval of recording. (i.e we will use Bank of America) representative instructed Green Tree representative, (name of rep), regarding payments submitted to Green Tree for my (what dates) payment and my upcoming Dates payment, including the dates wired, the amount of funds wired, (and the amount of a pending submission if is the case) to be sent to Green Tree. (I and who ever was confirming payment or listening) confirmed payment to Green Tree and my request for Green tree to stop phoning me. (The rep may have indicated they will not stop so document this her) and stated so with Bank of America or whoever representive acknowledging hearing the representative statement. You, Green Tree and any representative of your agency, or agency representing you are ORDERED TO STOP such activities immediately as they are being done in violation of the law.
I have the right to remain free from these activities as they constitute harassment/stalking, and I will pursue any legal remedies available to me against you if these activities continue. These remedies include but are not limited to: contacting law enforcement to obtain criminal sanctions against you, and suing you civilly for damages I have incurred as a result of your actions.
Again, you must IMMEDIATELY STOP calling my home or any other phone I may own. In addition you are ordered by me to not contact any person or place about me. You must also not report any adverse credit score to any credit reporting service. You must send me written confirmation that you will stop such activities. You risk incurring some very severe legal consequences if you fail to comply with this demand.
This letter acts as your final warning to discontinue this unwanted conduct before I pursue legal actions against you. At this time, I am not contacting the authorities or filing civil suit against you, as I hope we can resolve this matter without authoritative involvement. I am not under any circumstances, however, waiving any legal rights I have presently, or future legal remedies against you by sending you this letter. This order acts as ONE FINAL CHANCE for you to cease your illegal activities before I exercise my rights.
To ensure compliance with this letter, and to halt any legal action I may take against you, I require you to fill in and sign the attached form and mail it back to me within 10 days of your receipt of U.S. Postal service return receipt signature of this letter. Failure to do so will act as evidence of your infringement upon my legal rights, and I will immediately seek legal avenues to remedy the situation.

Sincerely,

_Signature________________________
Your Name typed here










From:

Account No: 822014528
To: Green Tree Servicing, LLC Copy to: Walter Investment Management Corp. Copy-1-Federal Trade Commission
PO Box 6176 3000 Bayport Drive Suite 1100 2-Consumer Financial
Rapid City, SD 57709-6176 Tampa, FL 33607 Protection Bureau.
Phone: (813) 421-7600 3-Florida state's Attorney
General's office.
CEASE AND DESIST COMPLIANCE AGREEMENT
I, Green Tree Services and any other representative do hereby agree to stop Harassing/Stalking contact including phone calls to Your name and address (Fuck the phone number they already have i) or any other phone, person, place or agency which are in violation of Your name’s rights. I understand that this is my final chance to cease these activities. I understand that Your name potentially has the right to pursue legal action against Green Tree Servicing LLC relating to Green Tree Servicing LLC engagement in these activities, but Your name will not pursue those rights in contemplation of Green Tree Servicing LLC compliance with this written demand. Green Tree Servicing LLC further understands that Kevin Patterson has not waived his rights and may pursue legal remedies against Green Tree Servicing LLC if Green Tree Servicing LLC fails to abide by this agreement. Green Tree Servicing LLC understands that this agreement is not specifically limited to the activities named herein. Green Tree Servicing LLC will not engage in any activity now or in the future done for the purpose of stalking/harassing phone calls or any other phone, person, place or agency to Your name. Green Tree Servicing LLC furthermore agrees not to engage in any activity, regardless of its official title, that is done in violation of Your name’s legal rights. If Green Tree Servicing LLC fails to cease performing these activities, Your name may pursue legal action against Green Tree Servicing LLC in accordance his legal rights. This agreement acts as a contract between Green Tree Services LLC and Kevin Your name and address. Forbearing enforcement of legally enforceable remedies is sufficient consideration to support this agreement. This agreement represents the entire agreement between the parties. Any statements made orally, written, or otherwise which are not contained herein shall have no impact on either parties’ rights or obligations elaborated in this agreement.

Date ____________________

________________________
Printed Name
Green Tree Services, LLC representative

________________________
Green Representative Signature

Indicate you are also contacting the following and if sending by mail registered receipt
______________________________________________________________________________________________________
Next contact all the following
Copy sent: Regarding formal complaint against Green Tree Servicing, LLC and its parent company Mark J. O'Brien, Chairman of the Board of Green Tree's parent company, Walter Investment Management.

Copy sent: Regarding formal complaint against Green Tree Servicing, LLC and its parent company Mark J. O'Brien, Chairman of the Board of Green Tree's parent company, Walter Investment Management with the Federal Trade Commission.

Copy sent: Regarding formal complaint against Green Tree Servicing, LLC and its parent company Mark J. O'Brien, Chairman of the Board of Green Tree's parent company, Walter Investment Management with the Consumer Financial Protection Bureau.

Copy sent: Regarding formal complaint against Green Tree Servicing, LLC and its parent company Mark J. O'Brien, Chairman of the Board of Green Tree's parent company, Walter Investment Management with the Your state's Attorney General's office.

Contact the area better business bureau in this case was South Dakota.
https://nebraskasouthdakotasouthwestiowa.app.bbb.org/complaint/new/120000069?bbbID=0714

Contact LSC Legal service corporation
http://www.lsc.gov/

go to website for Leonard Law Office, LLP, 139 Charles Street Suite A121 Boston, MA 02114. Look at the recommendations.

contact lawyers that Leonard law office recommends

Good luck

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Response to dixiegrrrrl (Original post)

Tue Oct 14, 2014, 03:35 PM

5. Deed in Lieu with GreenTree

I have just been discharged chap 7 bankruptcy in CA.GT was included in BK. Greentree is the servicer. My atty said they would do a deed in lieu. Has anyone had a similar experience deed in lieu with G.T? I don't know what to expect and how long it will take for a DIL?

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Response to mills40 (Reply #5)

Tue Oct 14, 2014, 04:04 PM

6. Ask your attorney and ...

google the deed in lieu question for your state..you would be surprised what you might find, usually there be a link to the law or statute that applies.

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Response to mills40 (Reply #5)

Mon Nov 24, 2014, 09:03 PM

7. Hope this helps

mills40- I don't know what atty you have but this is common sense. if you filed chapter7 on a debt then that is saying you cannot pay and never will and makes you not responsible for that debt. So how could you ask your mortgage company for a deed in lieu which is designed to release the title a back and relief you of the responsibility of the debt when bankruptcy did that for you. I am a mortgage server. So no you cannot do a deed in lieu . You are already released of the responsibility Hope this helps

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Response to dixiegrrrrl (Original post)

Tue Jan 20, 2015, 06:42 PM

8. Do not allow Green Tree to abuse you

Last edited Tue Jan 20, 2015, 07:53 PM - Edit history (2)

File a compliant at: http://www.consumerfinance.gov/complaint/#mortgage This is a government entity which will help you file a complaint over the phone or you can get the forms at their site and submit a mortgage complaint right now to the CFPB. You can attach documents to your complaint, such as statements, receipts, etc.

You should also call Freddie Mac at 1(800)373-3343 or Fannie Mae at 1(800)732-6643. Tell them to open a formal case.

File a complaint with your state representative. For those who live in California go here
https://www.boxer.senate.gov/assistance/federal/agencyform.html

File a complaint with the OCC (Office of the Comptroller of the Currency) at http://www.helpwithmybank.gov/index.html

Also file a complaint with your state Attorney General to raise awareness about this predatory mortgage servicer!

Please do not allow Green Tree to abuse you, they are bullies and everyone needs to stand up to them. There are laws and regulations that protect you.

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Response to lula3 (Reply #8)

Tue Jan 20, 2015, 10:23 PM

9. Thank you for that info.

I am happily watching Green Tree's parent company, Walter Investment, lose stock value over the fact they are being accused of fraud.
And Warren's new Consumer agency is also a key watchdog.

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Response to dixiegrrrrl (Reply #9)

Fri Jan 23, 2015, 03:17 PM

11. DDavis5136

Since Oct. 2014, I have filed complaints with the CFPB (7), Fannie Mae, SIGTARP, Inspector General office (HUD), and sent a letter with supporting documents with a QWR and so far nothing has worked to resolve issues. I have been on the phone with so many representatives and it seems the situation is getting worse. Every time I file a complaint, Green Tree comes back at me, even though I am current I paid Feb. 2015 payment yesterday. I have spoken with a consumer protection attorney, and she said unless my credit report shows I am late or my monthly statement, there is nothing she can do. Everything except credit report and statements are incorrect. Received threat today that I owe $8484.--have no idea where this came from. Although, the fraudulent practices of Green Tree are well know, no agency will enforce all of the violated consumer protection laws and RESPA regulations. I do not know what else to do.

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Response to DDavis5136 (Reply #11)

Fri Jan 23, 2015, 03:26 PM

12. You need a good real estate attorney.

Are you in a non-judicial state? One where they can foreclose without going to court?

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Response to dixiegrrrrl (Reply #12)

Fri Jan 23, 2015, 03:33 PM

13. DDavis5136

Yes

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Response to lula3 (Reply #8)

Wed Jan 21, 2015, 08:47 AM

10. Very strong and amazing first post! Welcome to DU!

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Response to dixiegrrrrl (Original post)

Tue Feb 17, 2015, 03:44 PM

14. Green Tree Scam

This company needs shut down. I lost my job and am unable to maintain the mortgage. I tried for over a year to get a loan modification, I repeatedly submitted the paperwork, always being told, "incomplete." So I finally sent them a certified letter stating that I am unable to stay in the home and that I would like to do deed in lieu. Well guess what, now they can do a modification, but it is too late. I actually sold everything I had just to live. I am living out of my car and was actually just sleeping in the house to stay warm. That is until last week. They came and broke into my house, and changed the locks. I never received any notification from them, never signed any papers. I called the local sheriff's office and was informed unless I actually signed papers, they are not permitted by PA law to enter. What can I do now?

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Response to Ladyb56 (Reply #14)

Tue Feb 17, 2015, 04:21 PM

15. Some suggestions

none of which address your immediate needs:

sue them...try to find an attorney with experience in suing mortgage companies.

Elixabeth Warren created this agency to help consumer, it has been big on dealing with illegal mortgage behavior:
there is a form here to file your complaint, scroll down to the Submit a complaint section
http://www.consumerfinance.gov/

see if your local tv news does ripped off consumer stories, and contact them. This often can be quite and quickly helpful plus they would have resources to suggest.

send a copy of your complaint at the consumer finance site to The Consumerist, often they get involved:
http://consumerist.com/

What they did is illegal, there are Federal lawsuits against it. Find out which Fed office is suing them and file a complaint.

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Response to dixiegrrrrl (Reply #15)

Wed Mar 18, 2015, 08:28 AM

22. and the banks got the bail outs....wow

my loan was transferred to GT and i dont like how that Jennifer lady talks to me...shes rude...let gt take my house i have so many liens on it they will get zilch from it.

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Response to Ladyb56 (Reply #14)

Tue Feb 17, 2015, 09:10 PM

16. If you live in Pittsburgh, the local ACLU legal office might be interested in your case.

I hope that you find an attorney to sue the company.

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Response to dixiegrrrrl (Original post)

Sun Mar 1, 2015, 12:32 PM

17. we need help 12 years plus with Green Tree

Help..... Been dealing with Green tree for over 12 years. When you think they are done and all is good they start back. They usually just get mean until you see what they are doing and you call them on it, then it starts getting nasty.
This last mess we has was, we made a payment over a 2 week span, but it was paid BEFORE the due date. A couple day after the due date the calls started. When my wife talked with Judy at the KY office Judy just said "we can't take split payments". My wife explained that I had a really good check and wanted to get the money to them while we had it. Judy understand, or so she said. But cautioned my wife not to do it again.
Next day more calls and my wife talked with someone else well they were hateful as they could be. Told her we could not make the split payment. My wife asked if they wanted to mail the payments back and we would send it to them in one check. Of course they said no. Now they also stated we owe $100 according to our account. Now at this point me, my wife, my kids, my parents, my brother were all receiving foreclosure threats 4 or so times a day every day with no explanation of why. When my wife ask what it was for she said for late fees. Then my wife got out all the receipts from the past 15 months. They went thru all of them and we showed we only had 2 late fees of a total of $10 and showed where we paid them. Well the women now said she did not know where it came from. My wife said we would gladly pay it if they can show where we incurred it. The women told my wife she would get back with us on this issue and hung up. Well the calls kept on. We finally got hold of a new person she assured us the KY office was closed and Judy no longer worked for Green Tree. . Well now we own $300 which had to be paid NOW in order to stop the foreclosure pending. This was Friday February 27, 2015. We of course paid it and she said this will take care of the situation. Now the full explanation was after we filled bankruptcy (over a year ago) they just now decided to tack on a $35 per month added charge to our payment, but never told us about. It was not on the billing statement we went thru all of them. The women acted surprised and acted upset that her company had acted in such an unprofessional manor. But we still owe $500 on top of the $300 we just paid for a total of $800 for their attorney and we are to remember to add the $35 every month. WTF? it really took over a year to decide to tell us we owe them? Yeah right. The truth is we caught them STEELING again and this was our punishment for not just saying yes mam and just sending them money. This is only 1 of over a hundred issues we have had. All the attorneys we talked to that did not run from us, laugh at us, or just tell us good luck, said we had a case the problem would be getting it to court and us being able to afford to stay in court long enough to win it.
Can't anyone help. Not just me but the 146 people in Logan and Todd County ky. We are all in it up to our necks with no way out. Everyone here that has had the misfortune to have felt with Green Tree whether the we're perfect on payment or not have very similar stories to ours. HELP, HELP, HELP...........

Sincerely
sick and tired of being sick and tired
James M Valentine Jr
Jimev2again@hotmail.com

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Response to jimev2again (Reply #17)

Sun Mar 1, 2015, 01:14 PM

18. if anyone has anything useful don't hesitate

If anyone has anything useful don't hesitate to email me. I can usually be reached most every day. If it's late I'll caught up with you the next day. Please only constructive comments only.

My wife and I believe we were placed with Green Tree to help others. We are trying but so far all we do is get in on discussions but that is it. While it is therapeutic to talk with others going through the same thing which makes it easier to deal with. Also gives us peace of mind that we are not crazy or bad people. We want to find a LEGAL useful way to deal, contribute, and stop what they are doing. It is not legal, ethical, or professional. The stealing, the lying, the way they talk to you.
I actually had Charles from Green Tree ask me if I had a good life insurance policy? I said yes, why? He said and I quote, "you should kill yourself so at least that way you can finally be of some good to your wife and family." Now what can I do? This is my word against his. While my wife could here him cause he was screaming at me. We have read many stories, most likely hundreds with similar stories and even worse. We should not have to deal with this, being a working class we have enough to deal with.

Jimev2again@hotmail.com

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Response to jimev2again (Reply #18)

Sun Mar 1, 2015, 04:51 PM

19. go here:

http://www.consumerfinance.gov/complaint/

There are places to click, on that page, to submit a complaint re: mortgage
and
re: debt collection.

This is the Consumer Bureau that Eliz Warren helped create.

btw...find out what the phone taping laws are in your state, and see if that law will allow you to tape any phone conversations with Green Tree.
altho...they are supposed to be dealing with you by letter only if you have requested that.

You need to brush up on debt collection laws, and mortgage laws, because if THEY violate the law, it gives you recourse to fight and even sue them.

Google " Green Tree Class Action lawsuits" which will provide names of attorneys who have sued them or are suing them, you might be able to join as a class member.

The very first step anyone with a mortgage problem should take is to use the net to find what rights you have.

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Response to dixiegrrrrl (Reply #19)

Sun Mar 1, 2015, 07:08 PM

20. thanks

I am checking out this website as we speak. No matter what I ask of them they tell me THEY ARE GOD. As far as taps the last time we checked as the detour not the collector we can tap our own lines, but there are no attorneys that we can get to look at. I have Googled lawsuit against Green tree, class action lawsuit, attorneys that have won against Green Tree, no luck so far. Still against the wall. But thank you for a reply glad you read this. They think and have said they will and can do whatever they want. So far they are right they constantly steal by lying added charges without telling us then adding late fees cause we did not pay the added fees. I mean it's nuts.

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Response to jimev2again (Reply #20)

Sun Mar 1, 2015, 07:49 PM

21. education is the key

I don't mean 2 3 or 4 years of college. I mean know what's up, check internet, check attorneys, check local banks. Now my question alone with several of my friends is nothing we do seams to get us anywhere then what we are facing now. Attorneys won't touch them (they know that too by the way) can't to seam to get the bbb on board, consumer bureau won't touch it. Or they say the are swamped. Again does that solve what we are going through, nope. My wife and I get on line looking, we spent almost 2 month going to attorneys from ky to TN to find what we are scared of we are stuck. We are not alone as for people they are racking over the coals. We feel alone when no one want to help or even says stupid things like, well you have to see it from their point of view. No they have to treat me and mine with respect. Again we is a person to turn. All the open class action lawsuits have one or two stipulations that kick us out of it or it is not about what our issue is.

I don't mean to sound negative it's just we have been mentally beat down by people trying to help and this darn green tree. Been fighting this fight for over 12 years. The 1st 2 years we were with Green point and life was great. The here comes Green Tree and all Heck broke loose.

I keep post on our progress, hopefully things will get better. Thanks again for the ear and the response.

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Response to jimev2again (Reply #18)

Fri Mar 27, 2015, 02:37 PM

23. Green Tree ,what laws?

Green Tree took over our mortgage 2 years ago. At that time we owed less than $29,000 on our $180,000 home. We were in the process of refinancing at a very low interest rate for 10-15 years. our payments would be under $200 a month and we thought we could probably pay it off early. Green Tree took over and stopped the final steps of securing our new loan. They just refused the payoff amount and put us in foreclosure.(In the state of Georgia, you don't have to be late or behind on your payments) They stopped the foreclosure as soon as all efforts to pay off the loan was ceased. However they left it on a false credit report submitted to the credit bureaus to insure our account stayed within their control. They did offer us a harp modification which increased our payments to over $350.00 a month for 40 years, which we refused to sign. Soon after they repeatedly had many mistakes pop up with their accounting systems. We were given different problems to resolve for them to keep our account information correct. Even after contacting the BBB and the CFPB which have no authority over Green Tree, we still made our higher mortgage payments that GreenTree arranged and were never late. That was a joke to them since in the state of Georgia they have the right to foreclose and sell your house even with all payments current and over $5000.00 in prepayments made to the account. They claim our payments did not apply to our mortgage and those they admitted receiving were considered gifts. To shorten the story I'll go right to the foreclosure. We were notified by an attorneys office one day that our house was scheduled to be auctioned off at our county courthouse in 3 weeks. Their attorney was unable to get a payoff amount from Green Tree either. For almost 2 years they denied us the right to pay our loan off so this wasn't a surprise. We finally got an attorney who was finally able to get GreenTree to make up a payoff amount, which just happened to be the amount of our original note 10 years ago. We had been through so much the past 2years we borrowed money from friends and paid the loan a second time through our attorney to avoid it being considered another gift. We still have not received our deed. I have kept proof of forged documents and fraudulent credit reports. Also documented their harassment of several cell calls while trying to get to safety during a major ice storm that closed up businesses that day. I am very interested in knowing how many of their victims were over 50 years old and how many were disabled and handicapped. We had applied for a HomeSafe loan through the government so they are aware of Green Tree practices and disregard of the Laws in the US. We were even sent a booklet from one of their financial counseling agencies showing us how so many laws in affect were broken by Green Tree. But no advise on why they are not enforced on GreenTree. If we can get our deed, we will need an attorney brave enough to help us enforce federal laws and get our money back. I believe from my research, the state of Florida may have a few. I will post again if I find any, as I'm sure there are hundreds of victims that could benefit from that knowledge.

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Response to 7910sandy (Reply #23)

Tue Jun 9, 2015, 10:19 PM

29. Same Here

Green Tree took over our mortgage last September. Our first mortgage was sold to a company I cannot remember. The first loan was through Country Wide. The purchasing company serviced it for about 4 years, then we refinanced through CW again. Again they sold it. This time to Citimortgage. Fine, we had no issues, made all the payments on time made early payments if we could, then around 2008 we started to just make the required payments and still all was fine. Our original 30 year loan, based on paying extra, refinancing, etc was set to be paid off by mid 2016, a good 12 years earlier than the original 30 year loan. Yippee for hard work.

Then Citimortgage sold to Green Tree and while we still have never been late on a payment, that whole transaction of Green Tree taking over would have been a complete "Effing" disaster if we didn't stay on top of it. From the moment we received notice that GT would be servicing the loan things quickly seemed to get weird. I didn't realize at the time that GT was an evil company set on destroying us. But when there were immediate threats of late fees for NO REASON, as I have never been late on my mortgage, I immediately felt suspicious and reported them to the Consumer Financial Protection Bureau. GT proceeded to provide me with the history of my payments which simply proved that as I stated I was NEVER late on a payment. The invoked legalese to confuse and muddle their intent. I just dropped it recognizing that this company would happily tell lies and spin tales and that it would take a CLASS ACTION LAWSUIT to expose them. Additionally, I used to be able to schedule my payments monthly with no transaction fee or penalty. Green Tree would not allow this without each transaction that I wanted to schedule on line being charged a transaction fee. Sure they said it is not GT's fee it is the fee of the company making the transaction on my behalf. What B-S, GT is totally getting that fee, through a shell game. I thought fine I will schedule bi-monthly (every other week) auto pay, then it can pay down faster. Once again WRONG. GT is happily taking the bi-monthly payments, holding it until the first of each month and then crediting the account. How the "F" they can do this is beyond me, might as well charge me a prepayment penalty. In the meantime GT is using OUR money and earning interest.

Also, they screwed something up and sent me an apology on June 1st, 2015 about how "During a review of your account, GT determined that your billing statement dated 05/03/15 inaccurately indicated your account was in default and erroneously included a reinstatement and acceleration balance. Please disregard that information as it was included in error. All other information on that billing statement was accurate. The issue has been corrected and your next billing statement will accurately reflect your account status." Like an APOLOGY would ever work if WE were to screw something up like they did. NO you can be CERTAIN that we would be charged some fee and that it would have compounded in some manner that if we were living dollar to dollar (as so many people do) that our error would snowball and escalate thereby insuring that our "house of cards" would fall and somehow we would be in default. YOU can be CERTAIN that GT's entire business plan is predicated on their predatory practices. IT is OBVIOUS in the entire way in which they approach mortgage servicing. And WE haven't even made a payment late, and it is STILL OBVIOUS. I would be a freaking wreck if we had to deal with GT and we were late on a payment. GT IS EVIL.

Additionally, previously, when I checked on when our loan would be paid off, based on making the monthly payment, through Citimortage, it indicated May of 2016. Now when I check it through GT it has somehow stretched to April of 2017. Those Effers have somehow rigged it so that we now have almost another full year to pay. WHAT they are doing MUST be ILLEGAL.

I wish some CLASS ACTION LAWSUIT would CONTACT ME to help bring that company DOWN.

GT is a prime example of a truly EVIL corporation out to kill hardworking upper lower class families (we can't even claim lower middle class.)

THIS IS EXACTLY THE KIND OF GREED THAT PROMPTED EARLY REVOLUTIONARY AMERICANS TO REVOLT AGAINST BRITAIN AND BECOME A FREE AND INDEPENDENT COUNTRY. THAT REVOLT KEPT THOSE EARLY AMERICANS FROM BEING IMPOVERISHED BY ROYAL GREED WHICH, AT THIS POINT, IS NO DIFFERENT THAN THE GREED OF EVIL CORPORATIONS LIKE GREEN TREE SERVICING.

May GT rot.

Sincerely
NvrsayNvr

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Response to NvrsayNvr (Reply #29)

Fri Jun 26, 2015, 12:00 AM

32. evil Green Tree

I agree with you 100% that GT is evil. I swear it is run by the devil himself to make sure all customers go through hell dealing with them.
We had a good relationship with CitiMortgage for many years. Ever since they sold it Green Tree, the nightmare started.
Even though they get paid before the grace period ends, they consider it late and tack on a late fee. Now, they are suddenly claiming we are 3 months behind in our payments and urging us to seek assistance and even telling us to sell our house in order to avoid foreclosure. Technically we are not behind in our payments at all.
They call a thousand times a day starting from 8am all the way through until 8pm. Sometimes later than that at night.
They are nothing but threatening and they try to scare you to death to try to get extra money out of you.
I sought advice from another bank in efforts to get a bank to rescue us from Green Tree. I just want to get away from Green Tree. Green Tree is bad news and they have a very bad reputation. Thousands of people know this. I'm upset to be one of their latest victims. I'm not going down without a fight.

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Response to jimev2again (Reply #18)

Wed Jun 10, 2015, 11:18 AM

31. Green Tree

go to National Association of Consumer Attorneys (NACA) website and contact an attorney.

Good one for your area: Barnette Law Offices
309 Hollow Tree Ct.
Nashville, TN 37221

615-585-2245

This firm practices in KY as well as TN. Consumer Protection attorney is the ONE to help you.

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Response to jimev2again (Reply #17)

Wed Jun 10, 2015, 03:19 AM

30. Years ago, mostly Republican members of Congress limited what government subsidized

non-profit firms of attorneys could do to help the public in handling many claims and lawsuits.

That is a a shame.

We need public interest attorneys who can address issues like unfair, fraudulent mortgage fees and collections.

Call your congressman about this and let him know you favor full funding for public interest attorneys' firms who challenge businesses about unfair and fraudulent practices even in case in which damage settlements that would cover the expense of private attorneys will not pay the attorneys' fees and costs.

Warren's Consumer Bureau is a great improvement, but we need to carry the concept of government assistance in protecting consumers' rights and informing consumers of their responsibilities and rights in commercial transactions a lot further. We need public interest attorneys who advise citizens on their rights and responsibilities without charge.

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Response to dixiegrrrrl (Original post)

Mon Jun 1, 2015, 12:55 PM

24. need help

I have been with Greentree for several several years. We Moved 6 years ago and rented out our home . Well for awhile I still got statements from Greentree and then they just stopped. Now after 5 years of not hearing anything from them they are calling me. I haven't picked up yet but here is my question? I am almost positive that Greentree was sending the monthly statement to the actual renters. I mean I check my credit yearly and these people were never late so obviously, they knew where to send payments. Finally my question, is it against the law for a mortgage.company to send that type info to someone who.isn't on the loan? I am almost positive it is but wAnted some feedback. Thank you

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Response to What to do (Reply #24)

Mon Jun 1, 2015, 02:07 PM

25. Sadly the only way to fight them is to sue them.

And to sue them, you have to find a savvy real estate attorney.

those attorneys are around, but you have to find them.

Green Tree has been fined by the new Consumer Protection Bureau that Warren helped set up.
But they are nation wide, and not everyone is aware of the fines.
They can pay a lot of fines and still make money ripping people off.

Try Googling "Green Tree class action lawsuit" and look for lawyers to contact.

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Response to dixiegrrrrl (Reply #25)

Mon Jun 1, 2015, 07:55 PM

26. thanks

Thank you for your information. I'm going to look into it. I'm curious though as to what you think about Greentree sharing our.personal information with.people who.aren't on the loan. Is this ethically wrong? What's your thoughts?

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Response to What to do (Reply #26)

Mon Jun 1, 2015, 08:43 PM

27. Somewhere in teh terms and conditions of them servicing the loan,

they claim the right to act as a collection agency, which is what they started out as, and so information gathering and sharing is part of what they do.

I don't like it, but again, short of a lawsuit that has legal legs, there is not much we can do.

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Response to What to do (Reply #24)

Tue Jun 2, 2015, 12:44 PM

28. Welcome to DU

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