Americas Servicing Company

by steven adams From Newark, NJ on February 07, 2012

by Angelia Johnson From Moreno Valley, CA on February 01, 2012

They have been totally unsympathetic to our current plight in keeping our home as we have 17 years invested in our home

by IMELDA GARCIA From Whittier, CA on January 14, 2012

by Anonymous From Tallahassee, FL on January 11, 2012

by ANONYMOUS From Festus, MO on January 05, 2012

GOOD LUCK WITH THIS MORTGAGE COMPANY!!!!!!!!!THEY SUCK!!!!!!!! THANKS NOW I AM GETTING READY TO LOSE MY HOUSE AFTER THEY KEPT ME HANGING ON WITH ALL THE PAPERWORK I HAD TO GATHER AND PROVIDE AND NOW 5 MONTHS LATER THEY SAY THAT THEY CAN'T HELP ME?#@! I WAS DENIED FOR THE MAKING HOMES MORE AFFORDABLE & I AM A SINGLE MOM OF 3...SO GO FIGURE!!!!!!!! I DO QUALIFY - BUT THEY WOULDN'T TELL ME WHY!!!!!!

by Anonymous From Gaithersburg, MD on December 28, 2011

by John From Huntley, IL on November 23, 2011

Aaron Durand and Wells Fargo are the most incompetent finance rep and mortgage company. Refinance a primary property at 40% to loan value and going on 120 days to get it done? Full appraisal was done. The government should shut them down. No wait we gave them a 25 Billion bailout. Anyone for a class action suit against Wells?

by SELMA BROWN From Hamden, CT on November 20, 2011

THEY ARE HEARTLESS AND THEY DO NOT TRY TO WORK WITH YOU. AS I SAID THEY RETURNED ALL CHECKS TO CHFA THAT HAS BEEN PAID AND AN AGREEMENT WAS MADE. PLEASE SEE THE WEBSITES OF PEOPLE THAT HAS COMPLAINED THEY ARE SIMILAR AND WORST THAN MINE. GO TO: http://www.afscanhelp.com/companies/mortgage-companies/americas-servicing-company.cfm ALSO THERE ARE OTHER SITES AVAILABLE.

by John Harris From Vallejo, CA on November 11, 2011

by Bao Quach From Philadelphia, PA on November 09, 2011

by Anonymous From Palm Bay, FL on October 28, 2011

by YVONNE PEMBERTON From Palm Bay, FL on October 28, 2011

by Anonymous From Brookwood, AL on October 11, 2011

by Anonymous From Albany, GA on October 10, 2011

by Anonymous From Corpus Christi, TX on September 20, 2011

by Don Harris From Rockford, IL on September 14, 2011

ASC is nothing but Liars & thieves. They lied to me about having a insurance plan on my loan that would cover my payments if something was to happen to me. Well after 8 years of on time payments I got hurt on the job & they told me 2 times to not make any payments that the ins. plan would pickup the difference as soon as the paperwork was processed, after 8/9 weeks they finally told me that I had NO such plan and that I was to pay them in full on my back payments which came to about $5000.00. It was hard to come up with that much cash that quick but I did & you know those IDIOTS had the nerve to send my check back & put my home in foreclose. THANK YOU Very much ASC, I hope every last one of you REAP what you have done to the American dream.

by Anonymous From Ponder, TX on September 13, 2011

You can never get a straight answer from anyone. The right hand does not know what the left hand is doing. One minute you think you are okay and the next minute they are taking your home after you have sent them copies and copies of all the stuff they ask for and then they tell you that you didn't send in the time frame they ask for. When you call and tell them that you did everything in the time frame and sent everything they ask for, you are informed that oh that is just a generic letter they send to everyone. God help me I am not a generic person and my needs are not generic.

by Andrea Kaminski From Wilkes Barre, PA on August 28, 2011

by Anonymous From Houston, TX on August 19, 2011

by Anonymous From San Diego, CA on August 10, 2011

by Sandra Henry From Bloomfield, CT on July 28, 2011

they are getting away with illegal practices ... please investigate ASC.

by Joshua Allen From Oologah, OK on June 30, 2011

by Edna Cortez From Lynnwood, WA on June 30, 2011

by mely cordova From Kent, WA on May 24, 2011

by Anonymous From Delray Beach, FL on May 19, 2011

so many stories and I agree with all, because before reading all here, the last straw for me was after getting an agreement, sent in 1 agreement payment IT GOT SENT BACK TO ME. ????? on and on.

by Anonymous From Columbus, NE on May 15, 2011

by Brian DoBucki From Azle, TX on April 16, 2011

by Anonymous From Marshfield, MA on April 06, 2011

by Lee Ann Napierskie From Lanagan, MO on April 05, 2011

by Anonymous From Richmond, VA on March 25, 2011

THANK YOU FOR YOUR ASSISTANCE.

by wilkins From Philadelphia, PA on March 15, 2011

by Al From Manheim, PA on March 10, 2011

Tried to get loan modification sent paper work FIVE times and they constantly " lost it " We finally lost our home in foreclosure! They didn't care at all. This company has to be the worst company out there. Thanks ASC!!!

by althea williams From West Haven, CT on March 04, 2011

by Cindi Ryan From Waukesha, WI on January 29, 2011

Terrible customer service!!! Given the runaround for months pretending to want to help us with a loan modification. Not sending us paper work as promised... Told different answers from each different phone rep. They are evil and cold hearted!!! I truly believe that...

by Gary Rauch From Milwaukee, WI on January 25, 2011

It first started when we tried to get our payment / interest rate lowered and got put on a special program to pay a certain amount of payments which they created and in a certain amount of time (six month trail they call it)and then we would qualify for the program. At the end of the six months, ASC told us that we didn't qualify due to us not paying a full amount payment. The funny thing is that before you go on the payment plans you have to set a payment amount and you also have to set up automatic withdraw before hand. From that point we have been lied to and through three loan modifications and they still are finding ways to foreclose our home. This is the worse experience in my life! It has taken a toll on my family and it seems like with all these laws out here none apply to us. Then trying to find a company to help deal with the problem is another story. The honest company's do not want to help out unless it is a slam dunk win for their company and keeps there win score high. All in all it is pretty sad that this government lets these banks keep doing this to the people of this country! All i ask is before you sign with ASC / Wells Fargo do due diligence and research how many people out here are being treated and robbed! Hopefully someone out there that with the experience and back bone to stand up against these people/banks that are doing wrong deeds, will lead the down trodden! God Bless all you who are going through this same situations. And I pray that God gets into the hearts of the ones that are caring out these malicious counts of attacks and make them see the way! "But I will punish you according to the results of your deeds," declares the LORD, "And I will kindle a fire in its forest That it may devour all its environs."'"

by michele wildie From Palm Bay, FL on January 25, 2011

one hand does not know what the other hand is doing. when you call you will never get the same answer. in my case we sent $5000 to get back on track with mortgage payments only to be told several days later we were in foreclosure status and not only that they (americas servicing company was returning my money to be because it was not the full payment required to take care of past mtg.payments. I feel we have been betrayed and lied to. Please help us. We waNT TO keep our home. God Bless. Michele

by Anonymous From Absecon, NJ on January 08, 2011

ASC is the worst mortgage company in the world. Two years ago when we got behind in our mortgage payments due to me having to work part-time to take care of my very ill 3 year old, we tried to modify the loan. ASC never told us we could do this, I found this out from another program. Every time I sent them information, they never found our paper work when we sent it. hey would say just pay higher amounts for a few months, we would pay more for months, causing us to not pay other pertinent bills. After trying to work with the company for months and paying more waiting for our modification to go through with no avail, they sent us foreclosure papers. We just could not keep up the payments. Next we filed Chapter 13 to keep our home. Because all the payments and a job loss, we switched to a Chapter 7 and will be losing our home. They have the nerve to send us a letter now that they have a new modification program. It's a joke, because we don't qualify because of the Chapter 7. They should of worked out our loan when we tried prior to the bankruptcies. Getting in bed with this company is like getting in bed with the devil himself. This program is a joke and way too late.

by Viviana Moo Meneses From Hackensack, NJ on January 03, 2011

by Anonymous From Springfield Gardens, NY on January 03, 2011

by Anonymous From Freeport, TX on December 21, 2010

by sal rivera From Orlando, FL on December 14, 2010

For nearly a year I tried to get a modification ,but all I got was the run around .First they said I did not fill out one small part of their numerous amount of papers they want you to fill out. when I got that back that information they requested was on the financial sheet .That was the beginning of the trail to hell ! From that time it was one call after another about paper work they had not received that was sent to them over and over in their return envelopes! On top of that I sent it certified mail which they signed for and also faxed it because they said it would go directly into their computers!Lies after lies that is what ASC has giving me thanks for nothing someday we"ll all have perfect wings some horns! God bless you if you going through this hell process they call help!

by Anonymous From Lexington, MA on November 26, 2010

The people who answer the calls are very nice and seem genuinely concerned. However, there is no resolution and I keep submitting forms again, and again, and again. When they're looked at everyone has a different take on the figures and there's never any closure.

by MTM From Windham, NH on November 10, 2010

I fell behind on my mortgage due to illness. In February ASC told me to pay an adjusted mortgage rate for three months and then I would be able to apply for a modification. This was done. On numerous occasions ASC personal told me I had been approved for modification only to have them come back a day or two later with a foreclosure notice containing an auction date. I have received what I believe is the final denial and have received nothing in writing from ASC other than denials and auction dates. None of the payment receipt statements have been mailed to me and they even told that one payment would be returned only to have them cash it and force my checking account to be overdrawn. The company employs idiots and is managed by crooks. This is the worst mortgage company I have ever dealt with!

by Jill From San Francisco, CA on October 15, 2010

My original GMAC mortgage. was sold twice and eventually landed with this co - and I have made automatic payments on line for 12 years. Never have had a problem. Course I read my mortgage papers before I signed them, understood them, bought what I could afford. Even during laid-off times - I tried to have a cushion to carry myself through. I was always too nervous to buy something I couldn't reasonably afford.

by Stephanie Riojas From Devine, TX on October 09, 2010

by Anonymous From Cincinnati Ohio on October 7, 2010 From Cincinnati, OH on October 07, 2010

It took me a year and five months to get a loan modification from ASC. It was the most stress time. ASC did not work with me at all. They also put the money that the felt they were owed back on my mortgage. This is the worst. And this is contributing to the down fall of America.

by Anonymous From Weatherford, TX on September 28, 2010

we have been begging for help now only option to stop the sale is chapter 13 Bankruptcy

by martha robles From Moreno Valley, CA on September 13, 2010

by Anonymous From Kansas City, MO on September 02, 2010

They are dragging out the process and continually asking for papers that they have received the day before because they can't find them. They penalize the client for their mistakes and I was told point blank that the chances of an in house modification were slim to none unless we had a surplus of income on the financial worksheet. Why on earth would I need a modification if I had enough cash to pay whatever they wanted? Never get the same answer twice, nor do they contact you to let you know you are in foreclosure unless you call them. They are well known on the internet for messing up the HAMP program to try and force an in house modification. The same problem with lost papers and dragging out the process and then tossing you out of the program is in so many areas of the internet that it becomes nauseous to know this is what you have to rely on.

by Belford James From Snellville, GA on August 31, 2010

by Anonymous From Snellville, GA on August 31, 2010

by Anonymous From Harvest, AL on August 28, 2010

by Pierre Jean From Malden, MA on August 17, 2010

by Yan From Banta, CA on August 13, 2010

ASC really doesn't care about people. they don't even accept complete and reasonable short sale package unless you are dead broke. So if they can foreclose on you and make you homeless, they will. They are that horrible. Oh, trust me, we did not choose ASC in the first place. Our loan was simply sold to them by another lender. There should be something done to this company so that they stop treating people like garbage.

by Vanna Heng From Litchfield Park, AZ on August 12, 2010

by Keith Forster From San Jose, CA on August 11, 2010

by Michael From Arlington, VA on August 03, 2010

My experience with ASC is very different that what is represented here. I have been with them for about 4 years now and have done two modifications in that time. I have always stayed current with my payments and while the modification process can be a little difficult I don't mind. I have found the people that work there to be helpful. I'm not doubting that all of these negative reviewers are being truthful about their experiences, but mine have been quite positive.

by Gland Singletary From Mount Pocono, PA on July 30, 2010

I haven't discussed this with them yet, but I know my house is upside down now.

by Anonymous From Lake Worth, FL on July 28, 2010

They are the worst ever to deal with. Their staff members do not have a clue. ASC simply want to turn people into homeless individuals. many banks have worked with families to the exception of ASC. I hope that a class action suit is brought against them soon...The government really needs to intervene. Most houses are upside down and ASC refuses to reduce the principal. They are using a lot of intimidation to bully people out of their homes.

by Lesze siedlecki From Brooklyn, NY on July 26, 2010

by Anonymous From Jacksonville, FL on July 09, 2010

by nadine daniels From Detroit, MI on July 03, 2010

by Anonymous From Phoenix, AZ on July 02, 2010

by usman mbah From Cincinnati, OH on July 02, 2010

by Martin Potter From Olympia, WA on June 30, 2010

by De'Vita Graves From Richmond, VA on June 23, 2010

by Matt Jensen From Peoria, AZ on June 22, 2010

by Anonymous From Naperville, IL on June 17, 2010

by caprice crosby From Irvington, NJ on June 15, 2010

by K. Johnson From Bothell, WA on June 03, 2010

I have read so many bad comments regarding ASC. I have had my problems with them as well and am really unhappy with the customer service. I have been searching for a phone number and an address because I lost my information. I had problems with them when we went through a loan modification, they kept giving us the run-around. We also got duplicate paperwork and it took months before we got anything done... and then we got a foreclosure notice ! We finally got everything done but now we have people stopping in front of our property taking photos of our home ! One person was polite enough to knock on our door to let us know she was taking photos but she couldn't tell us for who. Since the loan modification, we do not get statements/payment coupons and I can not seem to get a hold of anyone at ASC...I hope that mortgage that I pay to them online is safe and recorded.

by Anonymous From Desoto, TX on May 28, 2010

Customer Service reps are horrible and no one ever seems to know what is going on. We have been given the full run around for months now and we can never seem to get anything resolved.

by Glenn Liszner From Clifton, NJ on May 28, 2010

As I stated earlier , I believe that ASC is responsible for us falling behind in payments. They told us NOT to make monthly payments during a modification application that was later denied.

by Eldra Tatuem From Stockbridge, GA on May 27, 2010

ASC is full of it. The service people are so nice this year on the phone but they are not doing anything to help the people. Their approach is just be nice and don't get the people irate but they know they are not making any changes with these mortgages they are playing the public.,

by Anonymous From South San Francisco, CA on May 26, 2010

they are bad! i've requested a loan modification since may 2008. after a long wait of informing us they are still reviewing, still reviewing, i receive a trial period packet last quarter of 09 which was not modified. It was only less than a hundred difference!! However, we still paid for the trial period. So they send our re-modified loan with no changes are so they said, they added all the months unpaid for, but why should we pay for the months my loan was under review?? now they sent us the act of foreclosure notice??? ridiculous!!

by Anonymous From South San Francisco, CA on May 26, 2010

I was not sure about some documents and did not send them back in time before the deadline so their representative called and ask to have them send back anyway and that they would reconsider our loan modification. I called back the following day to give our update information and a different representative already concluded that our loan was no longer good and that the act of foreclosure will move forward. Three days after that, another representative calls and then tells me, "sorry this call was made in error. i see that someone already have contacted you on this day"? I took it as an offense!

by Barbara Bolyn From Stilwell, OK on May 25, 2010

When we first started struggling with our payment I called the mortgage company and told them the situation and they said they would work with us. I told them that as soon as we got our income tax we would get caught up...I was still making current payments..as soon as i got our refund I called to make the payment to bring us currant and they informed me they had foreclosed on our home the week before and would not accept my money and instead of owing 2800.00 they wanted 6000.00

by Anonymous From Stockton, CA on May 25, 2010

They appear to be out for themselves, which in and of itself is not wrong, but there are no human qualities to this company. They do not attempt to work with you to resolve issues or to get concerns handled. I applied with them about 6-8 months ago for a loan modification, and they did nothing until now by starting the foreclosure process.

by Anonymous From Carl Junction, MO on May 09, 2010

Very poor customer service. Has lied about "helping" us. Very poor attitude.

by kevin harrington From Bakersfield, CA on April 19, 2010

they lie about everything and anything, no ethics whatsoever

by Patricia Glover From O Fallon, IL on April 18, 2010

by r. mole From Las Vegas, NV on April 18, 2010

They are without a doubt the most unethical lowlife company in existence! Pimps have higher moral codes then these people! Don't have anything to do with them!

by Anonymous From Midlothian, VA on April 16, 2010

by Anonymous From Long Beach, CA on April 14, 2010

by Anonymous From Pemberton, NJ on April 13, 2010

by stacy ryan From Centereach, NY on April 12, 2010

by Anonymous From Huntington Station, NY on April 10, 2010

by Claudia McNeff From North Hollywood, CA on March 31, 2010

by aRICHARD From Yucca Valley, CA on March 28, 2010

WHAT IS THE FEDERAL STATUTE NUMBER THAT REGULATES A SUBSIDIARY OF NATIONAL BANKS?

by portia cox From Bronx, NY on March 21, 2010

by Anonymous From North Bangor, NY on March 17, 2010

by Richard Leon From Oakland, CA on March 11, 2010

This company, next to Countrywide & Washington Mutual, has to be one of the worst and should go the way of the two mentioned and not be in business. How are we still paying 10 + 12 % since 2005. Predatory lenders should be prosecuted to the fullest extent of the law. Please help our situation. Thanks You.

by Anonymous From Chicago, IL on March 11, 2010

They are unethical. They gave a workshop here in Chicago in December, 2009, under the disguise as Well Fargo Bank. Lots of false hope was given at the workshop. Very unreasonable to work with. I was in foreclosure in 2008 and pay up the entire arrearage of 29,513.00 on 8/13/08. However, I was not able to keep current, because the note is too high and I am unemployed. Nonetheless, I do have some income. But again they filed for foreclosure to take my home and refused to lower my payments. Stay away from them. Bad news.

by MARY COCHRANE From Andover, NJ on March 08, 2010

AMERICAS SERVICING COMPANY was a fictitious name (another name) for a registered business entity called Norwest Mortgage. You can find in OH Secretary of State Business Entity Search in 2000 the Americas Servicing Company was dissolved involuntarily for noncompliance. A few states may have a fictitious entry that Americas Servicing Company was recorded as the other name that Wells Fargo Home Mortgage Inc. (Norwest purchased Wells Fargo 2000 and changed Norwest Mortgage in Des Moines to a California Corporation. In May 2003 Wells Fargo & Co/MN 'WFC' WFC HOLDINGS Corps Wells Fargo Bank NA Wells Fargo & Co. 10% CHUNK SHAREHOLDERS you can see WFC HOLDINGS CORP on Edgar SEC Online Corporation search Well in May 2003 the OCC approved Wells Fargo Home MOrtgage Inc being merged out of existence into Wells Fargo Bank, National Association. Wells Fargo chose to do business as usual and sell loan originations to consumers using the Americas Servicing Company now on the internet showing they may have registered the name as a SERVICE Mark. ASC here is lying to you don't do the workout package. Wells Fargo & Co/MN are responsible for deceptive fraudulent advertising and I can't wait to send flowers to John Stumpf, Richard Kovacevach, Mark Oman, Carrie Toslstedt, James Strother, David Hoyt, Pete Wissinger on their first anniversary following lets say accountability for taking property by deception in a pyramid scheme laundering money and antitrust violations.

by Josephine Papucci From Cicero, IL on February 28, 2010

They did not handle this properly nor did they notify me until it was to late and the company that they recommended and took my money went out of business. They took advantage of an elderly lady who has no money and has caused me a lot more stress which has caused my illness to decline more.

by esleider garcia From Tampa, FL on February 26, 2010

they are con artists and do not I repeat do not want to work with anyone its all a lye we have trying for a loan modification since 2008 and nothing in this is the first time that we are late on payments n 2 days ago i got a letter saying that they still need more info when its been sent in a day after their attorney sent me the paperwork for foreclosure the liars told me the loan modification was being accepted and even one of their reps suggested don't buy so much diapers and milk for your kids and you'll be able to afford it or rent a room of the house unbelievable I hope god forgives the Individual for having no conscious or heart!!! PLEASE HELP DESPERATELY IN NEED

by Anonymous From Charlotte, NC on February 23, 2010

I am interested in information concerning stopping the foreclosure of my home. My bank is Americas Servicing Company/Wells Fargo. My payments are behind because of job loss, but at this time I can make the monthly payment. I would like to keep my home, this is my main goal. The bank is not willing to work with me concerning the past due payments. They want them in full. ASC gives no options.

by Anonymous From Laguna Niguel, CA on February 22, 2010

I DON'T REALLY THINK THIS COMPANY REALLY CARES ABOUT CUSTOMERS OR CUSTOMER SERVICE OR WORSE, THAT THEY SEEM TO PREFER TO FORECLOSE. I OFFERED TO MAKE PAYMENTS TO KEEP MORTGAGE FROM SLIPPING OUT FURTHER BUT REFUSED! I HAVE FRIENDS IN SIMILAR TROUBLE BUT THEIR COMPANIES ACCEPTED THE PAYMENTS TO AVOID THE SITUATION FROM GETTING WORSE.

by Anonymous From Massapequa, NY on February 16, 2010

by Anonymous From Saint Matthews, SC on February 15, 2010

by Anonymous From Bassfield, MS on February 15, 2010

ASC has sent me papers about foreclosing on my home and have not offered a modification plan.

by tamara barnett From Dallas, TX on February 13, 2010

Until now I'd have said average. However, since the day I called to ask for assistance and information about loan modifications etc... trying to get the packet they were supposed to send me, telling me not to pay, telling me things are fine and then the next thing I know they are foreclosing without any notice!!! That makes me feel like I am fighting a losing battle because they tell me not to pay, then tell me I'm in foreclosure and that they won't take payment from me to get my account current in order to avoid it. The communication between all the people I've talked to there and document means nothing. VERY SCARY AND FRUSTRATING

by Fran Worth From Egg Harbor Township, NJ on February 13, 2010

by Anonymous From Saint Albans, VT on February 10, 2010

I am not happy with ASC, I did not pick them they bought my mortgage after the fact. Now I have to deal with them. Every tine I call I have to talk to a different rep. Each rep tells me something else. Its not easy.

by Anonymous From Ness City, KS on February 06, 2010

by ruth larkin From Warren, TX on February 06, 2010

by tasha jones From Fresno, CA on February 04, 2010

do not i repeat do not do business with ASC. They are horrible and reps are young uneducated misinformed employees who do not value our calls. ASC no they cannot do direct business so often loans are sold to them. do not waste your time

by anonymous From Hagerstown, MD on February 03, 2010

To the person who stated that they were in a mediation against ASC and that the mediator "sided with them". Well. That would be an outright lie. Mediators never take ANY position and only report directly to the court what their perception of the case is. They may have an opinion that they share with the Court but that opinion cannot and is not used in any lawsuit. If there is no resolution during mediation, then the lawsuit moves forward for a hearing in front of the Judge. So. As usual. Just another deadbeat idiot coming onto a website to complain about a ASC being the big bad bully when the truth is they stopped paying their mortgage payments and a foreclosure proceeding was started.

by Anonymous From Snellville, GA on February 01, 2010

by Mleissa Adam From Topton, PA on February 01, 2010

by Anonymous From Portola, CA on January 31, 2010

by David Raines From Las Vegas, NV on January 25, 2010

As many of the above I agree ASC is by far the biggest group of no good, uncaring worthless creeps to walk the earth. Had a mediation last week and there lawyer offered a higher payment as a modification. Even the mediator was shocked AND RULED IN FAVOR OF US. But at this point we want to distance ourselves from these scum. I had a 700 plus credit score and 100k plus a year job. My wife had cancer and I also lost my job. We paid the whole time and I tried to get a modification, after many attempts on the phone to no avail was forced into getting a lawyer. Even our Lawyers are speechless at there offers, behavior and general way of doing business. ASC must make money somehow when people ar forced into foreclosure. (insured loans at many times the price of the mortgage.) Just wait someday this will be shown as fact.

by Tim Inocente From Cambridge, MA on January 17, 2010

by Anonymous From Acworth, GA on January 12, 2010

I've been trying for months to work with them about the situations that I won't be able to make the payments. Then after behind on payments for several months, came the foreclosure letter. Now I'm afraid to even pick up the phone to try and reason with them.

by Adam Drach From Mobile, AL on January 12, 2010

by anonymous From Hagerstown, MD on July 31, 2008 There are several errors in the evaluation of ASC. First, there is no one person assigned to any loan until it is approved for a repayment plan or loan modification with the loss mitigation department. There is also no requirement that the debtor has to have an open account for at least a year before someone will work with them. ASC is not a lender, so therefore, they did not set your interest rate nor can they change it. ASC does not refinance loans either. If you were stupid enough to sign an Adjustable Mortgage Rate note, you will have to hope some other lender will take another chance on you considering you have already defaulted on the loan you have. Most of these complaints state they had "good credit" before ASC; let me assure you, they did not. ASC is a servicer of sub prime and non prime mortgages. That means the average credit score of these debtors is between the mid 500s to low 600s. This is considered POOR CREDIT. Also, no lender or mortgage servicer is required to provide any type of retention plans. You signed a contract stating you would pay back funds you were given to purchase a piece of property. If you default on that obligation, that property can be taken from you. ASC is not your mother and does not have to "help you out". This is where the real problem is. If you really read these complaints, you can tell these are uneducated people who think everyone owes them something and if something goes wrong, it's also someone else's fault. If your loan is past due and ASC helps you with a forbearance agreement, why do you think it shouldn't be reported to the credit agencies? First there is the Fair Credit Reporting Act which states that a creditor MUST accurately report the status of the loan. It doesn't matter that you might be making payments on the agreement, you're still behind in your payments and it has to be reported that way. Maybe if you could manage your money better and understood what an obligation is, you wouldn't be having any problems making your mortgage payment. Again, if you're loan is being serviced by ASC it's because you are a BAD CREDIT RISK and have proven you do not know how to live on a budget or to prioritize your mortgage payment as being the first thing paid each month. Oh, and one last thing. There is NO GRACE PERIOD IN A MORTGAGE PAYMENT. Your payments are due on the first of the month and are considered in default on the second of the month. You assess a late fee after 15 days but this isn't a grace period. In fact, read your Note. The late fee assessment is explained under the paragraph entitled "Failure to Pay as Required". Stop whining people and grow up. If you can't afford your mortgage, sell your house, work two jobs, do whatever you have to do to keep your home. But stop blaming the servicing company for your problems. TAKE SOME RESPONSIBILITY. This is in response to the jackass above. I guess you work for these scum, I mean who else would defend these loan sharks. Actually the loan shark would be easier to deal with, instead of these inept, and incompetent bozo's. There is a special place in the 9th circle of HELL for you. I want to know if there is a way to get a class action lawsuit against these schills. They are absolutely the worst company to deal with. Since we have been with them our payment went from 795.00 to 889.00 to 930.00 a month!!!!! And what is worse, they give you the runaround when you ask them why rates are falling, yet your payment are going up?!! To Anonymous from MD, I hope you get testicle cancer and rectal cancer as well!!!!!! You deserve it, as well as everyone working for this evil ass company!!!!!!

by Anonymous From Bay Shore, NY on January 07, 2010

11.450% and 7.60% not fair

by mason meneses From Gaithersburg, MD on January 05, 2010

Their trying to foreclose on me while I'm in active bankruptcy. I have been trying to get rid of these jokers for the past 10 years. They tried to foreclose on me years. ago, and I had tried to work with them because I had lost my job, well they foreclosed, I found out through my attorney. that my house had been sold and was facing eviction. We went to court and we won because my lawyer used their evidence against them, like improper notification, them failing to work with me, and a score of other things. That co. is the ULTIMATE Predatory LENDER. They need to be put out of business!!!!!!!!!

by douglas argueta From Islandia, NY on January 05, 2010

by Anonymous From Springfield, IL on January 04, 2010

by Leobardo Alvaez From Denver, CO on January 01, 2010

as a bank you should stay more connected with the customers to know what's going on with peoples lives and income situations

by Anonymous From Antioch, IL on December 30, 2009

don't bother!!!!

by ASC / hater From Murfreesboro, TN on December 28, 2009

The nightmare continues as ASC continues to lie/misrepresent or just pain old misinform there customers. I have a daughter with Muscular Dystrophy and shortly after her diagnosis began seeking a modification. I was told on three separate occasions that because I was current I would not qualify . Horse hockey!! The overpaid under trained idiot should have said unless I was in eminent delinquency it would not be eligible for review. I asked the rep what should I do ? " Skip" this next payment so you will qualify. We followed her "expert advice", after all they are in the loan servicing business as well as set up for modifications. We did as she told us and asked now what? Send in your financials,hardship,POI and we will review it . Did that several follow up phone calls of being told it was in the process of being reviewed. I called after sending the latest pay stub to check the status."Oh are you calling about the foreclosure?" No I am calling about the modification we are being reviewed for. "Must be a mistake on our part I see everything here, don't worry I will put it back in for review." Following day called Nope no mistake you are in foreclosure.... You broke the agreement when you missed August payment. No I paid that ...Oh I see here you did ...but you paid it "too" early. Since when is early a bad thing or not on time. No I did not have bad credit. I have a 5% loan on my home but I have fooled with these idiots enough. By the way you can record the conversations with them too. If they are going to make it a practice to give out bad information in regards to lending you should document it. There is something called truth in lending laws and fair credit act.... The violate this like most people breath. I will have my day in court, bring on the lawyers I will sue them over and over again in small claims until they get sick of me . No recourse as long as you feel like you have a legitimate dispute. They can't counter sue you because you feel like you were wronged. Good luck to anyone who has to deal with these idiots with "finance for beginners handbook with half the pages missing "

by Anonymous From Nashville, TN on December 19, 2009

by Anonymous From Staten Island, NY on December 10, 2009

by Michele Webb From Knoxville, TN on December 09, 2009

We have never had any issues with this company.

by anonymous From Hagerstown, MD on December 06, 2009

First. If my comments were hurtful it's because they hit RIGHT ON THE MONEY. Everything I said was true. Again. For you idiots who can't read. ASC IS A LOAN SERVICER. THEY SERVICE LOANS THAT ARE OWNED BY OUTSIDE LENDERS. THEY DO NOT SERVICE LOANS THAT ORIGINATED BY WELLS FARGO. WELLS FARGO DOES THEIR OWN SERVICING OF THEIR LOANS. ASC does NOT refinance because THEY DON'T OWN THE LOAN YOU (Obscenity deleted). If you want your loan refinanced you have to go to an outside lender. The problem is YOU CAN'T QUALIFY BECAUSE YOU'VE DEFAULTED ON YOUR EXISTING LOAN! WHO WOULD REFINANCE YOU??? As for the "grace period". Let me say this again. THERE IS NO GRACE PERIOD IN A MORTGAGE AGREEMENT. IT HAS NOTHING TO DO WITH EXCEPTIONAL CREDIT. IT'S WRITTEN INTO THE NOTE UNDER THE PARAGRAPH ENTITLED "FAILURE TO PAY AS REQUIRED". That should tell you something huh? You FAILED to make your payment as required, on the FIRST day of the month. You waited until the last minute and then tried to make your payment. Too bad. You were late and a late fee was assessed. Pay your mortgage on time and then go back and read what I wrote the other 2 times. ASC DOES NOT OWE YOU ANYTHING. ASC DOES NOT MAKE ANY MONEY OFF OF YOU. THEY WORK FOR THEIR INVESTORS BY COLLECTING PAYMENT, ANALYZING ESCROW ACCOUNTS, PAYING THE TAXES AND INSURANCE, AND FORECLOSING ON THE PROPERTY IF YOU DEFAULTED ON YOUR PAYMENTS. It doesn't do ASC any good to *take* your little house away from you. They don't own it. You just want someone to blame because you're a bunch of deadbeats.

by Jan Corbett From Springfield, OR on November 30, 2009

After complying with a forbearance agreement and making a little extra payment, I was informed by ASC that I would go for a loan mod review and not to worry as there were several options available. I was denied without a reason and was told I was in active foreclosure. I then receive 5 letters with the same info telling me that ASC wants to work with me and to fill out a financial worksheet. I have done this seven times. ASC should be the first company Obama's ADMINISTRATION should slap a fine on for not working with their clients. The rep I spoke with at ASC was laughing as I was crying over the denial. ASC SHOULD BE HELD ACCOUNTABLE FOR THEIR ACTIONS.

by derrick holloway From North Little Rock, AR on November 29, 2009

by Leslie From Palmdale, CA on November 28, 2009

ASC is by far the worse company to help assist homeowners I they have not assisted my with my mortgage payments at all but for a fact i have proof that asc has assisted a homeowner with there mortgage and the person has no income at all how is this fair. they advised me that they person was assisted because they have a government backed loan The news media really need to uncover the damage that Asc has done THERE ARE Absolutely NO Media COVERAGE ON ASC. they are destroying homeowners lives. even the ones that are trying to pay but fell in to financial hardship.

by Lisa Riley From White, GA on November 25, 2009

by D Ventura From Ventura, CA on November 23, 2009

By far the worst company I have ever had to do business with.

by Andrew Green From Chicago, IL on November 18, 2009

I never applied for the 54,000 mortgage on my house. Andrew Green

by Anonymous From Lahaina, HI on November 18, 2009

this loan was bought, and i ended up with ASC. I have been trying to get a loan assumption and modification, at no avail..... 10 months, they did not state they started Foreclose, i found out before i was going to be served... we are now in a wait position.... i get computer generated letters weekly, they all contradicted each other...

by troy quick From Lawrenceville, GA on November 16, 2009

by norma sosa From Las Vegas, NV on November 14, 2009

by Anonymous From Johnston, RI on November 13, 2009

They act like they want to help but they really want to take your home.

by Karen Davis From Atlanta, GA on November 03, 2009

by Anonymous From Sidney, OH on November 02, 2009

by Anonymous From Spring, TX on October 31, 2009

ASC, Inc opened an escrow account. which I was not aware of and found out after Hurricane Ike hit. I keep getting the round and round with the company without any success. PLEASE I AM BEGGING YOU TO HELP ME STOP FORECLOSURE on my home. Please call me asap if you can help me resolve this important/Urgent situation. Sincerely Lydia Fucile

by KATHRYN CASELLO From Billerica, MA on October 30, 2009

Don't respond to you at all. No contact people with any knowledge.

by Anonymous From Wahiawa, HI on October 28, 2009

Some of your call representatives are very rude and nasty. However, I've come across one who was very polite.

by caroline quair From Hanford, CA on October 23, 2009

by Saul Zuniga From Covina, CA on October 14, 2009

by Sean Nothdurft From Westminster, CO on October 12, 2009

by Robert Clements From Woodstock, GA on October 12, 2009

by antoinette castro From La Puente, CA on October 11, 2009

This organization should be put out of business; to me they are thieves.

by HIGINIO RODRIGUEZ From Palmdale, CA on October 10, 2009

n/a

by cathy From Island Lake, IL on October 09, 2009

This is a very bad company to deal with. I have been experiencing several of the same problem that everyone else has been having. I think we should go after ASC, they need to be investigated into.

by anonymous From Winter Haven, FL on September 30, 2009

this company is awful they don't help you when you need it.

by Ranjit Bhatti From Crawfordsville, IN on September 30, 2009

by Anonymous From Conyers, GA on September 25, 2009

by Anonymous From Mission Viejo, CA on September 14, 2009

by Anonymous From West Palm Beach, FL on September 10, 2009

by Mrs. Jones Williams From New York, NY on September 08, 2009

I am Mrs. Jones; I am widow with 3 kids and was stuck in a financial situation that I needed to refinance to pay bills. I tried seeking loan from various loan firms both private and corporate but couldn't but as God would have it, I was introduced to a man of God a private loan lender, by the name Travis Harrop, who gave me a loan of $28,000 USD and today I'm a business owner and my kids are doing well the last one is in college. So dear, if you must contact any firm with reference to securing a loan with low interest rate and better repayment plans and schedule, please contact Travis Harrop.

by Anonymous From Manhattan, MT on September 07, 2009

Very poor response times

by rose dvojacki From Merrillville, IN on September 05, 2009

by JOSE RAMIREZ From El Paso, TX on August 31, 2009

by Ramiro Cruz From Dearborn, MI on August 31, 2009

I submitted loan modification paper work to them and a month later I got a letter telling me that it was not in there best interest to help me at this time. What a joke of a company.

by Karen Morse From Sicklerville, NJ on August 31, 2009

by teresa cosley From Redford, MI on August 29, 2009

by Anonymous From Cape Coral, FL on August 24, 2009

we have been trying to do a loan modification for 6 months and they keep telling us they need the same paper work.

by Anonymous From Carson, CA on August 24, 2009

I'm involved in a loan mod with this company for over 8 months and now I'm in foreclosure with very little time, total ripoff and scammers forcing people into foreclosure by using every delaying tactic in the book, shame on you and wells fargo, hope you get sued and investigated.

by Elena Tobiash From Urbandale, IA on August 23, 2009

by Anonymous From Perryville, MD on August 22, 2009

by Anonymous From Laona, WI on August 20, 2009

by Anonymous From Katy, TX on August 20, 2009

Absolutely the worst servicing company known. For the thousands of you that are having problems with ASC such as I am, get a hold of NACA They are consumer advocates for people in trouble with their homes. Wells Fargo is considered a "Predatory Lender". We all have rights.

by mad in milwaukee From Milwaukee, WI on August 20, 2009

for the posting stating asc only deals with cases of poor credit-BS! My credit prior to their purchase of my loan was in the high 7 hundreds. Not behind in payments yet but can get zero cooperation to re-fi.ASC is not in business to help people finance and stay in their homes--they are in business to wait for you to fail and take over the property. As far as Wels Fargo--this little side company they have fronting for them is quite the little scam. I only hope investigations prove to be detrimental to the bank. They accepted stimulus money from the government and are backed by Freddie Mac so must eventually participate in re-fi's to people who were "awarded" sub-prime loans. Don't think the realtor and original mortgage company weren't all in on this when you bought your home. What goes around comes around--remember that. Put your faith in God that these people will answer for their crooked business ways and that all of us trying to save our homes will get the appropriate action-finally.

by Gregory Archunde From Englewood, CO on August 19, 2009

by melissa zeske From Plymouth, PA on August 18, 2009

i tried to explain to the company what i was told and they will not listen to anything i have to say they are not caring at all,i need help somehow i don't know what I'm going to do i have six children but four still at home. please help. thank you.

by Angel L. Martino From Lake Worth, FL on August 13, 2009

by Patricia Hill From Palm Harbor, FL on August 13, 2009

by Rosa Rivera From Lakewood, CA on August 10, 2009

by Jacqueline Almonte From Orlando, FL on August 10, 2009

by Nancy Lopez From Riverview, FL on August 07, 2009

by Anonymous From Sayreville, NJ on August 05, 2009

really are not customer service focused

by Anonymous From Mesquite, TX on August 05, 2009

by Anonymous From Westland, MI on August 04, 2009

by Anonymous From Wayne, NJ on August 02, 2009

by DENIS ordonez From Hollywood, FL on August 01, 2009

by Ratko & Marcela Panich From Hemet, CA on July 31, 2009

by ylonda phillips From Harvey, IL on July 28, 2009

by Anonymous From Ringgold, GA on July 22, 2009

I was told that to modify our loan we had to be 3 months behind and then they sent us into foreclosure while they were trying to modify our loan. After we filed chapter 13 to keep our house they said the process had to begin all over. We have been trying to re modify our loan for 7 months and still have nothing.They charged attorneys fees of 12,000 that is why we had to file chapter 13. All our bills were paid up until they said we had to be 3 months behind and then refused to accept payments on our house. They are crooked and seem to be getting away with it. We did not use this company from the first our loan was sold to this company. I would not recommend them to my worst enemy. i am still fighting them and now have an attorney working on the modification.

by Anonymous From Richmond, VA on July 22, 2009

by Anonymous From McKeesport, PA on July 20, 2009

by Todd Lunardoni From Cape Coral, FL on July 20, 2009

Never missed a payment till Feb.2009

by Anonymous From Waterford, MI on July 18, 2009

It seems like A.S.C. does not really want to help.

by Byron Whisler From Denver, CO on July 14, 2009

by Patricia Gonzalez From Miami, FL on July 14, 2009

They never get back to us and months go by before they respond to any part of our modification. Its almost as if they want us to fail on purpose.

by Byron Whisler From Denver, CO on July 11, 2009

by been there From Savannah, GA on July 08, 2009

you guys are so right i would mail my payment in and they would return them,i would receive letter from wells fargo on foreclosure because they said they didn't receive payments,i then have to send it back, luckily i had someone to take over my mortgage,they were no help to me,i show them every receipt i had, still wasn't good enough,i wish you guys luck, between the foreclosure and the calls -MAN KEEP UP WITH YOUR RECEIPTS

by Anonymous From Eugene, OR on July 08, 2009

Anonymous From Hagerstown, MD on March 12, 2009 provided some very hurtful and untrue comments. This place is a collection agency for Wells Fargo and I'm sure they may handle some sub prime mortgages but I'm offended by the comments that everyone has bad credit because we certainly don't. If you say it's a sub prime company, you must hold a sub prime loan, too. They have never bothered us but we just don't care for them because of your unfounded comments that are unprofessional and inappropriate. Incidentally, the grace period is only extended to those with exceptional credit. And have a little empathy for those less fortunate. Thank you.

by Giovana Joseph From Gonzales, LA on June 30, 2009

by Anonymous From Hazel Crest, IL on June 28, 2009

by Anonymous From Mesa, AZ on June 25, 2009

ASC is one BIG JOKE One department does not know what the other department is doing. I received paperwork 2 weeks ago from the H4H program to sign and return and I returned them right away and I received a call from loss mitigation that they closed my file without even advising me at now its going to be up for a Trustee sale? They have no clue what they are doing?

by Marshall Dohoney From San Diego, CA on June 25, 2009

I have been paying the mortgage from day one however my ex girlfriend is on the loan with me and she is demanding I sell the home at a loss or refinance it immediately. I have invested tens of thousands of dollars into this property however the loan to value is still not even. I want to refinance the property in my name ASAP or I will be forced to stop making payments and walk away or go to a short sale and loose all my hard work and money I have invested into my home. Please help me...

by LEONARDO MANCERO From Boston, MA on June 25, 2009

NOT PROBLEM WITH THEM YET. I THINK IF ASC TAKES YOUR MONTHLY PAYMENT FROM YOUR BANK ON LINE,THERE WILL NOT BE DARK INTENTIONS FROM THIS GIANT MORTGAGE CO.

by navindar kaur From Elk Grove, CA on June 24, 2009

ASC IS NOT WILLING TO HELP. THEY TOLD ME THEY WILL ONLY MODIFY MY LOAN IF I AM BEHIND IN MY PYMTS. NOW WHEN I AM 3 MONTHS BEHIND STILL NO MODIFICATION BUT INSTEAD THEY WANT TO AGREE FOR REPAYMENT PLAN WITH 100.00 LESS THEN MY REG PYMT. I DECLINE AND NOW I WANT TO GO FOR DEED IN LIEU.

by Not Given From Palmdale, CA on June 20, 2009

I have an ASC Loan and trying to get a modification. ASC preys on the ignorant. ASC cannot foreclose unless they have offered you a loan modification. That is the new law. Also, if you write a letter to ASC, make sure you write a letter to the office of the president. Ask for this number. If the office of the President does not answer that letter, you can literally nail ASC. They have to respond to all corespondents. Hope this helps.

by juan rosales From New Ulm, MN on June 17, 2009

by Lonnie Koehler From Northampton, PA on June 17, 2009

by Anonymous From Kissimmee, FL on June 17, 2009

I have been w/ ASC for at least 3 yrs. My partner lost his job and we weren't able to keep making the payments. Therefore, I contacted ASC about a loan modification and it's almost been a year and the modification is still going through the process. My house did get appraised through ASC for a loan modifation and it appraised at 59k. They are trying to work w/ me to get my loan at this amount. In the mean time my home insurance was due but I didn't have any funds in escrow and ASC still make the payment for it. Yes, it has been almost a year that I have not paid my home or gotten my modification complete but I'm still in my home and my house is not up for foreclosure. The only downfall is that my credit has got a hit due to this. I find myself blessed because my kids still have a home and I am able to feed them and go to work every day. So far I have not had any problems w/ ASC. Hopefully the outcome will be just the same. I'm sorry that you guys have had such a bad experience w/ them. Good Luck!

by Anonymous From Riverside, CA on June 12, 2009

ASC has been giving me the run around for about 8 months now. I have supplied them with the information they request 3 times and they always say they didn't get it and they don't ever get back to me. The one offer they gave me would have made me pay hight payments than my regular house payment...Thanks for nothing.

by Anonymous From Snellville, GA on June 08, 2009

by Justin From Puyallup, WA on June 08, 2009

For 3 months I have been trying to get a short pay re-fi agreement with ASC. All I get is the big runaround!! These people don't deal in good faith in any manner! Wells Fargo needs to correct this companies operations!!

by bert bess From Riverside, CA on June 06, 2009

by theron dobson From Hayward, CA on June 03, 2009

very difficult, any modifications they have offered have been higher than the original note, and they send paperwork that is due via mail, after the due date.

by Alica Rios From Salinas, CA on June 03, 2009

by Anonymous From Knoxville, TN on June 02, 2009

by Jennifer Wilson From Gulf Breeze, FL on June 02, 2009

i don't think anything bad about them from what i have been involved about them but that isn't much

by Anonymous From Missouri City, TX on June 01, 2009

After doing everything they asked of us, ie paying 2047.00 per month for 4 months, they were supposed to work out a loan modification with us - instead they turned us over to a group of lawyers for forecloursure -

by Anonymous From Missouri City, TX on June 01, 2009

by Christopher Whaling From Corinth, TX on June 01, 2009

I would say that their credit report is not completely accurate.

by don davern From Huntington, WV on May 30, 2009

I get up to date and next month I owe over $3000

by Cathy Padgett From Locust Grove, GA on May 29, 2009

by mike From Granite City, IL on May 29, 2009

bad company they do not tell the truth and take all your money and steal your home out from under you .They don't care to work with you as in good faith. I think we lost our Home we bought in 1987 to this bad company stay away if possible.

by Anonymous From Auburndale, FL on May 27, 2009

they are the worst mortgage company. The more I talk to them the harder they get. I have to get a lawyer to help me after I lost my sister my mortgage started to get behind. They are not a good company. Please keep away from them they are bad bad bad.

by richard mcdonaugh From Newark, DE on May 27, 2009

by Anonymous From Grantsburg, WI on May 25, 2009

They have never been willing to work with us.

by Anonymous From Baltimore, MD on May 22, 2009

by adrian gonzalez From Lake Worth, FL on May 21, 2009

by Edward Smith From Brighton, CO on May 21, 2009

They will not talk to me about my mortgage

by Anonymous From Saint Anthony, ID on May 18, 2009

Hard to get a hold of them. I was able to talk to a person today who transferred me, then got transferred again and then the last person said they would send paperwork out to me to assist me in a program if I qualify.

by timmothy byrd From Keystone Heights, FL on May 18, 2009

by Anonymous From Palmdale, CA on May 15, 2009

by Anonymous From Garrett, IN on May 15, 2009

They are horrible at helping people when they fall behind, and rude most of the time. They wont take partial payments if you fall behind!!! They want it paid in full, or they will send payments back.

by Anonymous From Milwaukee, WI on May 14, 2009

Help soon

by Anonymous From Cleveland, OH on May 14, 2009

by Steven Jones From Detroit, MI on May 12, 2009

They are not willing to work with you.....

by DENISE From Milton, MA on May 12, 2009

BAD SERVICES.

by Anonymous From Farmington, NM on May 11, 2009

rude to me when I'd call them. when I got behind I sent pmts in and got caught up or so I thought they sent them back. found out that wells fargo bank is the co. behind asc

by Lennie Brice From Englewood, NJ on May 11, 2009

They are the worst. I really would like to get out of this mortgage with this company. How can I do that?

by mindy allen From Mesa, AZ on May 10, 2009

they are not willing to help you or work with you it is impossible to get a hold of anyone that knows anything about your account

by Anonymous From Versailles, KY on May 05, 2009

by kal From Enumclaw, WA on May 04, 2009

It is impossible to find the website to view my ASC mortgage!!! The only website that pops up is this one which is not affiliated with my mortgage company.

by luz bobino From Sacramento, CA on May 03, 2009

very difficult for someone to return your call or even speak to a loan mod specialist. Paper work are not tracked when submitted CS Rep will say they never rec'd paperwork fax or sent when we rec'd letter conf they've rec'd them.

by Zafar Kureshi From Houston, TX on May 01, 2009

by Shauna Bohan From Phoenix, AZ on April 30, 2009

by Anonymous From Lithonia, GA on April 30, 2009

by stan From Marlborough, MA on April 29, 2009

I am presently in the waiting for modification mode. I have never been late at a morgage payment. I got a call at work yesterday from ASC asking me what I was going to do about my morgage debt. I couldn't believe what I was hearing. After a few minutes explaining to the person on the phone that this could not be the case, she put me on hold for 10 minutes. When she came back on, she informed me that my morgage payment went to a suspence account where it will sit until the modification goes through. Now I'm concerned about what is going to happen to me. She said it was etirely up to me to send in the morgage payment for May. As it will also go into the suspence account. I think I may be being set-up for late charges and penalties and eventually forclosure.

by Brian Brath From Beaver Dam, WI on April 27, 2009

asc is the company that holds my mortgage

by Jin Young Kim From Palisades Park, NJ on April 27, 2009

by Anonymous From Indio, CA on April 24, 2009

by Rhonda Hicks From Lithia, FL on April 22, 2009

by Anonymous From Missouri City, TX on April 20, 2009

We were told they would assist us in modifying our loan so that we could keep our house. Now we get a notice that our note has more than doubled. That is not the kind of help that we need. I would not want anyone to go through the stress and constant upset that we have with our mortage company.

by Anonymous From Wynnewood, PA on April 20, 2009

THE WORST THE WORST THE WORST, they lie, they tell you one thing and then say that's wrong and they never said it. They charge you for payments you made but they say you didn't. They ignore all requests for modification but instead raise the rates higher and higher and then want to "help" you. My mortgage was sold to them, the worst company ever in the world...they have destroyed my credit and I can't refinance anywhere else.

by Fernando Reyes From Orlando, FL on April 19, 2009

Terrible customer service, only calls during working hours, unwilling to negotiate.

by Shanna Rivers From High Point, NC on April 16, 2009

They are so computerized to ask the same verifying questions each time you call to only do nothing with the information. I received paperwork to make me think my modification was set for my new payment to kick in only for an officer to show up in my upper middle class neighborhood to serve me foreclosure papers. I still to this day have not received a notice in reference to my request for modification. This was not my original lender and I didn't have any contact with them until after I lost hours on my job in July and got behind.

by Anonymous From Holly, MI on April 14, 2009

Sorry My posting is geared to what Cave Creek AZ

by Anonymous From Holly, MI on April 14, 2009

Norfolk WV, I agree with you Hagerstown MD needs to stop and think about what they say. We also did not start our loan with ASC we were sold. Also my husband and I both have over 700 credit scorss. So to Hagerstown MD see not everyone is a dead beat or uneducated. Please stop and think before you speak.

by Tonya Sorenson From Portland, OR on April 14, 2009

by Wilberto Pena From College Park, MD on April 13, 2009

by Jill From Cave Creek, AZ on April 10, 2009

To the poster from Hagerstown, MD: You are SO mistaken in much of what you had to say. I did NOT have a subprime mortgage, nor did I, or do I, have bad credit. My credit score is over 800, I have over 100k in the bank, and my home is worth more today than I bought it for. I did not end up with ASC managing my loan because I was a bad credit risk. My bank went under who previously held my note, and ALL their mortgages were sent over to this company. SO, before you go ranting about how every customer of ASC is a deadbeat, do your homework.

by ssmith From Norfolk, VA on April 09, 2009

mortgageaccountonline.com and yes their customer service does suck big ones!

by Anonymous From Hallandale, FL on April 08, 2009

by Anonymous From Tulare, CA on April 07, 2009

Not interested in helping us--I guess it is easier to just do nothing on their part and foreclose. I stopped talking to them after the last time I attempted to get things changed.

by Bethel Schneider From Lexington, TN on April 05, 2009

They like to call every few days to keep contact with you but when it comes down to really helping you you don't get it.Attorney fees and late charges are helping more and more people lose their homes.

by Anonymous From San Jose, CA on April 04, 2009

by scott hartel From Wausau, WI on April 03, 2009

Can anyone tell me if they have been able to work out a modification with ASC in the last few months. or if they know of any good modification company can help us. Thanks Lisa

by cheryl marion From Colonial Heights, VA on April 02, 2009

by henry mack From Gaston, SC on April 02, 2009

by Ingrid Blakeman From Lexington, KY on April 01, 2009

They want me to pay attorney fees to keep this out of foreclosure. Not sure if I have to do this or not. I would like to get my payment an insurance an taxes added together in on payment.

by Joel From Santa Barbara, CA on March 31, 2009

I had lost my job and told them I needed help before my loan reset and there would be no way to pay. Their advice to me was "get to 90 days late and then we can give you options". I did this and they never gave me any options. I had a buyer that was interested in short sale and they forced me into forclosure.

by Anonymous From El Mirage, AZ on March 30, 2009

by Sandra Whitmore From Missouri City, TX on March 30, 2009

I was always sent to several departments even if I asked for a specific one. If I asked a specific question,ie; why did my monthly rate change if my loan is a fixed rate? I have never received an answer. In my request for a loan modification, I was not offered less interest, a reduced principal,to put outstanding amount at the end of my loan, etc. I was told I could not start to ray again unless approved with a repayment plan. They asked for the same info as the loan modification people; and they tried for 3 months. I DON'T UNDERSTAND. I luckily have an individual that is willing to loan me the outstanding balance to restart my payments but I run the risk of losing a friend. I can't pay a mortgage note and a loan too.

by Tania Smith From Evanston, IL on March 30, 2009

They will not work with their customers to keep them in their homes.

by Amanda & Sadrick Terrell From Spring, TX on March 27, 2009

Run from this WELLS FARGO/ASC...they give no straight answers and tend to lose any faxed documentation.

by ChristyAnne Ford From Vancouver, WA on March 27, 2009

There is no web-site!

by Anonymous From Saint Cloud, FL on March 27, 2009

ASC America Servicing Company behaves like a foreclosure only company and not a traditional lender. Originally I signed up with New Century Mortgages they then transferred the subprime loan to ASC without notification. There are servicing companies out there with a mission to extract as much as possible in repayments while they wait for the inevitable foreclosure where they cash in on what they can sell the house for when the borrower gives up. Anon

by joseph meisel From Hightstown, NJ on March 26, 2009

by Wayne LaBeau From Albuquerque, NM on March 26, 2009

Most all agents have be courteous and helpful.

by cheri sweat From Henryetta, OK on March 25, 2009

Have been trying to make payment since Dec. 2008 and they would not accept our payments.

by Joyce Newgen From Bend, OR on March 25, 2009

Have never had any issues and have always been treated great!

by Anonymous From Sullivans Island, SC on March 24, 2009

by sarah pelta From San Francisco, CA on March 23, 2009

by maritza ford From Palm Bay, FL on March 21, 2009

by Anonymous From Decatur, GA on March 21, 2009

by Anonymous From Highland, CA on March 21, 2009

I just wish they would have called me before I recieve a default letter, I have given them permission to call at any time. I want this to be know this is my fault, not the mortgage companies. I am in sales of trucks and business has slowed, but I look to a bright future. Thank you, Ron HELP Note: agin, I did try to maker a payment on the 16th of $ 1500.00 but would not accept.

by Anonymous From Highland, CA on March 21, 2009

I just wish they would have called me before I recieve a default letter, I have given them permission to call at any time. I want this to be know this is my fault, not the mortgage companies. I am in sales of trucks and business has slowed, but I look to a bright future. Thank you, Ron HELP Note: agin, I did try to maker a payment on the 16th of $ 1500.00 but would not accept.

by Anonymous From Aurora, CO on March 20, 2009

by THOMAS RENFROW From Springfield, OR on March 20, 2009

A couple of years ago I got behind and they were much more reasonable with getting me back on track by resetting my loan

by Peter Johnson From Tomball, TX on March 20, 2009

Harassment calls and letters from the start. Further I have never been late on any payments.

by SHIRLEY BROWN From Hollywood, FL on March 19, 2009

by Phyllis Mundy From Denver, NC on March 19, 2009

We have a buyer for our home and can not get a response from ASC. The buyers are frustrated at this point and are backing out in 24 hours. I just hung up with Wells Fargo and she told me that WF was just the "collection agency" for ASC. They should be ashamed. Where is the justice!

by Anonymous From La Mesa, CA on March 18, 2009

by Dbed From Attleboro, MA on March 18, 2009

For those of us that didn't have a choice to end up with ASC We need explanation on how they can be allowed to treat us like this-especially the ones have have made payments on time Also to anonymous from Hagerstown, md I can fully understand why you chose anonymous-you working for them????

by NIGHTMARE!!!!!!!!!! From Florissant, MO on March 17, 2009

My nightmare started when my loan was sold to ASC from Option One Mortgage. It was the worst two years of my life dealing with ASC. They were very unprofessional. From the very first payment every thing was screwed up and when you finally got someone on the phone they would all tell you something different. We eventually ended up losing our home because we refused to pay them any more money. My suggestion to anyone with a mortgage with them is to refinance or something, but don't trust them with your payments. They didn't even pay my esrcowed taxes and insurance on time. Does anyone know about a class action lawsuit? I'm in

by wayne johns From Baltimore, MD on March 17, 2009

by Jerome & Jeanette Isreal From Hamilton, OH on March 17, 2009

by joni west From Waynesville, NC on March 17, 2009

You say call us but do not provide a phone number. lilchich02@yahoo.com

by Anonymous From Hagerstown, MD on March 12, 2009

First, there is no one person assigned to any loan until it is approved for a repayment plan or loan modification with the loss mitigation department. ASC is not a lender, so therefore, they did not set your interst rate nor can they change it. ASC does not refinance loans either. If you were stupid enough to sign an Adjustable Mortgage Rate note, you will have to hope some other lender will take another chance on you considering you have already defaulted on the loan you have. Most of these complaints state they had "good credit" before ASC; let me assure you, they did not. ASC is a servicer of sub prime and non prime mortgages. That means the average credit score of these debtors is between the mid 500s to low 600s. This is considered POOR CREDIT. Also, no lender or mortgage servicer is required to provide any type of retention plans. You signed a contract stating you would pay back funds you were given to purchase a piece of property. If you default on that obligation, that property can be taken from you. ASC is not your mother and does not have to "help you out". This is where the real problem is. If you really read these complaints, you can tell these are uneducated people who think everyone owes them something and if something goes wrong, it's also someone else's fault. If your loan is past due and ASC helps you with a forbearance agreement, why do you think it shouldn't be reported to the credit agencies? First there is the Fair Credit Reporting Act which states that a creditor MUST accurately report the status of the loan. It doesn't matter that you might be making payments on the agreement, you're still behind in your payments and it has to be reported that way. Maybe if you could manage your money better and understood what an obligation is, you wouldn't be having any problems making your mortgage payment. Again, if you're loan is being serviced by ASC it's because you are a BAD CREDIT RISK and have proven you do not know how to live on a budget or to prioritize your mortgage payment as being the first thing paid each month. Oh, and one last thing. There is NO GRACE PERIOD IN A MORTGAGE PAYMENT. Your payments are due on the first of the month and are considered in default on the second of the month. You assess a late fee after 15 days but this isn't a grace period. In fact, read your Note. The late fee assessment is explained under the paragraph entitled "Failure to Pay as Required". Stop whining people and grow up. If you can't afford your mortgage, sell your house, work two jobs, do whatever you have to do to keep your home. But stop blaming the servicing company for your problems. TAKE SOME RESPONSIBILITY.

by Anonymous From Thousand Palms, CA on March 11, 2009

by Maxine Pepper From Sacramento, CA on March 11, 2009

ASC! This bunch of ninny's are just hell to deal with! I want to be part of any "Class Action" lawsuit that anyone (3 people) are willing to be adjoined to . . . This crap has got to be exposed. How the heck can these flea-ridden mammals just keep doing business? I mean I am ready to find any lawyer that is willing to do the paperwork, I know I can take it from there. I want to be on CNN and every other "N" (network)in the land. This is just to much, dammed shisty-bastards. Hell no! I want them skunks to know how I fell! I don't want to anonymously do a dammed thing!!!

by Nathaniel Gudger From Frisco, TX on March 11, 2009

ASC Sucks

by Nate / Lynn From Frisco, TX on March 11, 2009

American Servicing company took over our loan from Sebring Capital.We were told that if we made our payments on time,for the first (2)years we stood a very good chance to get off of the A.R.M.mortgage and on to a fixed rate. This has not happened. Instead our rate which was 10.35% has now increased to over 11.375%making our payments over $1,800.00 a month to enclude the property tax.We have a two part loan and both intrest rates are over 11%.We have made every payment within their guide lines, understanding that payments are due on the first of each month and we have until the 16th of the month before we are considered late.We have not missed a payment in (3)years.As of Dec 3rd 2008 the co owner of this loan passed away. This also represents a lost of income.I called ASC on several occassions to ask for help in keeping our home, and all I have gottened is a form letter stating they mat offer me a workout program.I sent several packets with a letter of hardship death certificate pay stubs bank statements financial worksheet with all my bills.I was told a negotiator will look over my account in about 30 to 65 days.I was told it was not in the best intrest of the company to render a workout program for me at this time.I have been through this process at least (4)to (5)times without any resolve.Please understand we had less than perfect credit when got this house.Oh yes! we went through H.M.S. Home Marketing Service who qualified us enough to get our home.We have done every thing we can to keep our home, and we are not going to just give it up.They even offered me to take a short sale can you imagen that!!! A class action suite may raise some eyebrows. someone please help. G Family

by Anonymous From Ontonagon, MI on March 11, 2009

The rich get richer; the working man has to borrow a shovel to dig his own grave.

by jacqueline owings From Louisville, KY on March 11, 2009

Very unprofessional!!!!

by Maria moya From Houston, TX on March 09, 2009

by William Unkovich From Flagstaff, AZ on March 09, 2009

want and need a lower monthly payment, no cash out.

by marilu flores From Lorton, VA on March 07, 2009

by Anonymous From Appleton, WI on March 07, 2009

If you are having a problem, they will take their good natured time to get back to you. Sometimes it's too late. If they do get back to you and let's say you work out a payment plan with them They set it up with repayments so high you can't make them no matter how hard you try. I know it happened to us. They are setting you up to crash.

by Erika Ortega From La Mesa, CA on March 07, 2009

by Anonymous From Colonial Heights, VA on March 06, 2009

by Trina Brower From Jackson, MI on March 06, 2009

We called to get help with our mortgage payment several time without any help. They wanted us to pay more when we were having a hard time paying the lower payment, to catch up. Our loan payment kept going up and we did not choose to be with American Servicing Co. and would not recommend them ever for any loans.

by mercia garnett From Willingboro, NJ on March 06, 2009

they have been giving me the run around for months now, they are really setting me up for failure.

by Tracy Isaman From Monroe, NC on March 05, 2009

Very Hard to get a hold of someone to speak with

by Daniel Schwartz From Albany, WI on March 05, 2009

They are horrible. Not interested in anything you have to say. We offered to pay more than half of our mortgage payment and the rep laughed at me and said we needed it all that the amount we were offering to put toward the payment wasnt good enough

by vaughn patterson From Waldorf, MD on March 04, 2009

they worked with me except the fact they raised my mortgage sky high

by tracey landers From Decatur, GA on March 04, 2009

rude and not really easy to communicate with

by becky simmons From Rockmart, GA on March 02, 2009

by Anonymous From West Palm Beach, FL on March 02, 2009

by Anonymous From Castaic, CA on February 28, 2009

Horrible to deal with. A nightmare, very frustrating!!!

by Suzanne Mitchell From Temecula, CA on February 27, 2009

by Eva Brown From Fredericksburg, VA on February 26, 2009

by Santiago Arellano From Morgan Hill, CA on February 25, 2009

This company is a lair! They do everything in their power to STEAL your house right from underneath our noses! They make it seem like they want to help you but the don't! Well listen people I e-mailed my local and state congressman and reps. I even e-mail the white house. I refuse to just complain about my troubles with this mortgage company I'm taking some action. I talked to someone at Barbara Boxer's office and they gave me an address to send a detailed letter so they can have the Dept. of Treasury investigate them. They will even assign a case worker to my case. I may not be able to get my house back but at least I will expose them. In my area there is a news station that investigates things like this and then they air it during the news I contacted them too. It's call 7 on your side, with ABC. I have to do something if I don't then who will Obama?! He wants to give banks like this one more money! NO WAY!!! I have to at least help others know what this bank did to me..... I think we should all do this in our states and if we make a big enough fuss then we may get something done. I rather try than sit at home and wonder what if........

by Anonymous From Salem, AL on February 25, 2009

by Anonymous From Deland, FL on February 24, 2009

by GILLIAN CAMERON From Yemassee, SC on February 24, 2009

by santiago Arellano From Morgan Hill, CA on February 24, 2009

They paid our taxes late even though we had an impound loan then they tried to tell me I was responsible for the 800.00 they didn't pay the county. They also paid my flood insurance to someone else and when I called them 3way with my flood insurance agent on the phone with us they didn't want to help us. After 3 hours on the phone with them I gave up. They started charging us they're insurance because our agent canceled us after we couldn't afford to re-new it. They are not willing to help out their customers, they are an awful company without any morals! The answers to all the questions is either I have no knowledge of that or I'm not authorized to answer that but yet they won't or "don't" have managers on duty! They denied my payment even though I had it complete, they distroyed my credit and now are trying to evict me and my family out of our home!

by Anonymous From Fort Collins, CO on February 24, 2009

They were never willing to help me!

by Macedonia, OH From Independence, OH on February 24, 2009

It is unbelievable to me to see that people have gone through what I have with ASC. ASC told me on 2 separate times within a year my loan was being modified and to not make any additional payments until we received the new re-mod paperwork. My husband and I listened. We could make our payments but knew that after 2 years we were going to an adjustable rate so we wanted to re-mod our loan. We listened to ASC and NOW I HAVE NO HOME!!!! Even with all the documentation of the re-mod that we had ASC wanted 24k to stop foreclosure and I didn’t have it. I asked if they take 5k but that was not good enough. These people knew what they were doing. I have even called them after the foreclosure to tell them I wanted my home back and that my husband and I both work and are willing to take it back at the price we owed on it…. And nothing.

by Ronald Paris From Toledo, OH on February 23, 2009

None of the customer service reps are on the same page. Everyone gives different instructions regarding payments and paperwork.

by Richard Nicolaus From New River, AZ on February 23, 2009

My troubles started with ASC when I was late with a payment and they told me they would accept it and the current months. They sent both payments back and started foreclosure.

by william crisp From Bradenton, FL on February 23, 2009

by Anonymous From Canton, MI on February 22, 2009

by Anonymous From Saint Louis, MO on February 21, 2009

by EVELYN BERNARD From Suncook, NH on February 21, 2009

This is company (ASC) is one who will set you up to FAIL, You are unable to get any type of help for ANY reason. MANY COMPLAINTS Do a WEB search and see for yourselves.WARNING WARNING, WARNING

by eddie Martinez From Greeley, CO on February 20, 2009

yeah id have to agree... i too was forced into this lender. the reps have no respect and i just sent a fax that they claim they have not recieved. i gotta bad feeling about this. not sure if anyone has more info about the stimulus plan but i am under the impression that asc will not bailout foreclosures unless they benefit some how... must be nice to get incentives while the "real" working family cant even get a salary increase or bonus. hours have been cut with the slow impact of demand and gas is going back up.

by willie T From Seattle, WA on February 20, 2009

fellow homeowner lets file class action lawsuit with this ASC where the victime of fraud.

by willie T From Seattle, WA on February 20, 2009

fellow homeowner lets file class action lawsuit with this ASC where the victime of fraud.

by markus estes From Fayetteville, NC on February 19, 2009

by sandra and ramchandar rattan From Bristow, VA on February 19, 2009

we have worked very hard for a home, since i cannot get the property refinanced, i have tried to get a loan mod. with my lenders ASC AND GREENTREE. this process seems to be impossible. we are getting nice letters how they are willing to work with us but in reality it is all a big run around game and in the end the result FAILURE. I HAVE RUN OUT OF FAITH. THANKS FRUSTRATED.

by florence kelly From Patchogue, NY on February 18, 2009

by t From Englewood, NJ on February 17, 2009

asc put us in forecl and we call and got this person. She work with us to lower the payment put the balance on the backend of the loan.They were good to us.But after a year we talk to wells fargo to refi they did not to deal with us

by Anonymous From Brooklyn, NY on February 16, 2009

by Anonymous From Brownsville, TX on February 16, 2009

by carmen agosto From Livermore, CA on February 15, 2009

by Anonymous From Livermore, CA on February 15, 2009

when ask for some kind of solution on having the loan modified always they got mad knowing that this is a fraudulent loanand we was asking for help and get a lower payment because 4000.00dlls a month is alot of money just intrest

by Scott From Mesa, AZ on February 13, 2009

Worst customer service anywhere.

by wayne johns From Baltimore, MD on February 13, 2009

by Anita Buchanan From Lees Summit, MO on February 13, 2009

by Anonymous From Frederick, MD on February 11, 2009

The video is an congresswoman calling loan servicers looking to help some of her constituents obtain Loan Modifications. You can see the frustration that she is going through and the inability of the servicers trying to assist her. check it out: http://abcnews.go.com/search?searchtext=maxine%20waters%20mortgage%20servicers&type=

by genaro garcia From Silver Spring, MD on February 11, 2009

where are my form 1098

by Fua Atoafa From Huntington Beach, CA on February 11, 2009

They always make your statements sound different from what you said. They never want to transfer you to the right people. They just dont care.

by Pulido From San Fernando, CA on February 10, 2009

This is the worst company I have ever made business with! I hired a third party to help me with a loan modification and the first thing that ASC told me to do was to stop making payments towards my mortgage. Shortly after, I received a letter from ASC telling me that they had placed me on a payment plan which basically turned out to be that I had to pay the full amount of what I owed for the couple of months I hadn't paid. What kind of a payment plan is that??? Then I get a letter telling me that they weren't able to process my loan modification because my income is less than my expenses. That's the entire reason why I needed the loan modification. I don't recommend anyone to use their services. I think that they are thieves who are trying to keep other people's property and get people out of their homes. Whenever you try to get in touch with them they suggest things to you like short sales or to just lose your house. They don't give you options to try to salvage your home. They are idiots and I hope somebody audits them for the wrong business transactions they are making!! If someone is willing to write a letter to our congressmen or senators requesting that companies like this do not receive stimulus money PLEASE DO SO. It is not fair that these companies are getting money by the millions while they are stealing from folks who are struggling to make ends meet.

by ANGIE MONTES From Montebello, CA on February 10, 2009

WHY WON'T YOU HELP THE PEOPLE WHO ARE CURRENT WITH THEIR MORTGAGE?

by ANGIE MONTES From Montebello, CA on February 10, 2009

WHY WON'T YOU HELP THE PEOPLE WHO ARE CURRENT WITH THEIR MORTGAGE?

by Anonymous From Temple City, CA on February 09, 2009

by Laura From Dayton, OH on February 09, 2009

I had them a few years ago, not by choice, they bought my loan. I was behind a payment so i went into a payment plan. as of that date they stopped reporting payments to the credit bureaus so it looked like a missed a payment then didnt make any more payements for the next 18 months, when I refinanced my loan to get away from them. By then my credit had taken a huge dip due to the non reported payments. when i complained they told me for 3 months it would be fixed and never was. They reported my last payment as on time just before the pay off, then they have yet to report to equifax that my loan was paid off in march of 2007. I have called them twice about this newest problem. get a different story every time. If you have a choice do not deal with them, and if they buy your loan, refinance as soon as you are able with someone who doesnt sell them to servicers.

by Janet Parker From Brooklyn, NY on February 09, 2009

by Deborah Matheny From Cedar Rapids, IA on February 09, 2009

Poor customer service, every time you call, 3 times in 1 day, you get a different answer.

by C. From Tampa, FL on February 08, 2009

My story is similar to all. We both lost our jobs 2 years ago, Within 3 months I found another with a big payvut. This caused 2/3 of my income gone. I cut out all excess, changed phone companies, etc. all to decrease what money was going out. Like many, I tried a modification. The end results, my interest jumped 3%, and my mortgage doubled! In addition, since july 2007, they have been told by the insurance company that I have structural issues with the house. In January of 08, the insurance company released the funds to ASC. There are STILL refusing til this day to release the funds. In addition, I've received 3 different letters from ASC all within 1 week of each other, one to short sale, one to reinstate the loan, and the 3rd tells me what my new mortgage payment will be, which shows an excess in my escrow account. What the hell is giong on? No one seems to know. You never get the same answer twice. I am now in a position where I can pay this outrgaeous mortgage, not that I feel is right, but they prefer to take this house, leave me stranded. I don't understand the thought process. Actually I think I do: they want their cake AND they want to eat it too!

by Anonymous From New Port Richey, FL on February 05, 2009

They need training in customer service

by A & A From Mesa, AZ on February 04, 2009

This company and Wells Fargo are a joke! I hope Washington realizes and is not "helping" them screw families.

by Tracey Tiller From Cincinnati, OH on February 03, 2009

They do not tell you the truth upfront and take your money that you jump through hoops to get to them and still proceed with foreclosure so that you stress and lose your property.

by Anonymous From Plant City, FL on February 03, 2009

They have really been working with me, but I think that they could have done better, too assist me when I couldn't keep the 1st agreement due to me being put in the hospital. Therefore, that cause me to miss a payment and then they put me back in foreclosure status.

by Anonymous From Newington, CT on February 03, 2009

Had a workout program with them, paid on time then I had a realtor knock on my door telling me that my house was for sale.

by nila From Gaithersburg, MD on February 02, 2009

I work for ASC and I must say that we try our best to help. sometimes we are unable to do so because there is no income. You signed a contract saying *you will pay* no one forced you to place your signature there or to initial it. And if you didn’t read all of your closing documents that’s not our fault. All of our modifications are based on those closing doc IE: the investor guidelines* @@@@key rules@@@@ If the home is already in fcl we do not take funds from you until we are sure you can afford to keep the home. If you are pass due for more then 3 months we have to get you on a plan to help bring account current. All of out plans are designed to bring accounts current* Most of our call centers are inbound which means your never going to get the same rep information is interpretive differently per person. We do not refinance here you have to go to an outside bank to do so.

by Stephanie From Frederick, MD on February 02, 2009

It is hard to get paper work to them and hard to get paper work back from them. However, if you lost your job that isn't there problem and as a bank they have to look out for getting there money back. There plans are not the best but if you stick to it and stop spending money on worthless junk you can and will make ends meet .Then you don't ever have to speak to them again. The problem here is ppl think that they "HAVE TO HELP" no they don't... this is why you never give money to family or friends... this is why you never go into buis with family or friends... what ASC has with you is a buis relationship were you pay and you get to keep your home. IT is a loan- its up to you to make ends meet to pay it off. Stop all this crying at the end of the day you have to PAY THEM or they get to keep your house. In other words stop trying to live a life that wasn't meant for you. and to top it off they have been around for a long time they can not be doing something illegal as you all want to make it seem. and if they bought Wachovia well that's why its a better buis because you don't hear its going under which for some of us is GREAT news.

by Anonymous From North Hampton, NH on February 02, 2009

After trying to work with this company since last June to avoid a rate increase, do a loan mod., etc. with no luck, I HAVE FINALLY HAD SOME LUCK. This has been a long, hard process and I have exhausted every option only to be told they couldn't help me. I decided what have I got to lose and called ASC one more time and actually spoke to someone named Darnell in Loss Mitigation at 866-248-5719. He was pleasant, helpful and we came to an agreement to avoid accelerating to foreclosure. I wanted to share this with anyone who may need help when it seems there isn't any. We came to a forebearance arrangement where he asked me when I could make another payment. I gave him a date and he said that we agree from that point on to make x amount for a payment on that same day every month for the next three months. If I pay them all on time, my loan automatically goes to review, they send out a terms and conditions letter rewriting the loan into a fixed rate to be determined. My credit report will show a forebearance arrangement and will still report 30 days late until the review in 3 months and the remaining past due balance gets added on to the principal of the loan but it stopped my loan from going to foreclosure at this point. My house has been on the market for 13 months.

by Anonymous From Stanwood, IA on January 29, 2009

by Scott Costanzo From North Bend, NE on January 28, 2009

by Anonymous From Rhinelander, WI on January 28, 2009

by Anonymous From Melbourne, FL on January 27, 2009

by scott weisen From Bend, OR on January 27, 2009

They manipulate people and direct them towards foreclure with the hoops they make you jump thru!!!

by Anonymous From Star, ID on January 27, 2009

I cannot believe they don't care about anyone. how can I find any help even if I have to short sale my home just to get away from them...

by Anonymous From Montgomery, AL on January 27, 2009

All I needed to refinance and get out of my difficult situation was for ASC to waive our prepayment penalty, in 6 months the prepayment penalty would be void, so what is the big deal ASC. However, in six month my credit will be shot from falling behind on the mortgage and I wont be able to finance a piece of gum. Thanks very much people of ASC, nothing like being an American.

by Anonymous From Perris, CA on January 27, 2009

by satpannha yang From Minneapolis, MN on January 26, 2009

by Sally From Las Vegas, NV on January 26, 2009

My original mortgage was not with ASC. I wish that my mortgage had never been sold to them. I have never worked with such an unscrupulous company. I've tried since January of 2008 to renogotiate or re-modify my mortgage. I've gotten little or no help from the. All their representatives have either pat answers, or it seems they are reading from a script from which they cannot deviate. I've kep records of the multitude of my call to them. Each time they give me different information and phone numbers. They've lost my faxes to them, and not surprisingly they have lost the record of some of my phone calls to them, They send me information which is time sensitive, and send it to me with barely enought time to provide them with the information in the time that they asked for. I've scanned and kep copies of their letters with the date of the letter, and the date on the envelope when it was mailed. Usually there's a six day difference. I've had it with this company, and their unethical ways of doing business.

by Brandi Farmer From Johnson City, TN on January 25, 2009

by Anonymous From Baltimore, MD on January 25, 2009

by Anonymous From Highland, CA on January 24, 2009

by las vegas From Las Vegas, NV on January 24, 2009

We are just going to stop paying our mortgage and see how long ASC takes to evict us. They are impossible to communicate with.

by Anonymous From Houston, TX on January 23, 2009

all, i can say is that i'm suing this compayny. The Government will be aware of this. They ripped off people.

by unhappy From Florissant, MO on January 22, 2009

ASC/Wells Fargo s"suck" They are horrible and are unwilling to help anyone. They are all about money and not trying to help anyone. They bleed you dry and then when they are done, they try everything they can to take your home. If I ever get the chance to switch mortgage companies, I will in a heart beat. They make you sign these stupid forbearance agreements that don't work for anyone and then they refuse to do a modification because they think people have surplus income...In this economy, what are they thinking??? MORONS!!!

by unhappy From Florissant, MO on January 22, 2009

ASC/Wells Fargo s"suck" They are horrible and are unwilling to help anyone. They are all about money and not trying to help anyone. They bleed you dry and then when they are done, they try everything they can to take your home. If I ever get the chance to switch mortgage companies, I will in a heart beat. They make you sign these stupid forbearance agreements that don't work for anyone and then they refuse to do a modification because they think people have surplus income...In this economy, what are they thinking??? MORONS!!!

by Mariya Gravatt From Paw Paw, MI on January 22, 2009

by Anonymous From Nazareth, PA on January 22, 2009

by Anonymous From Lancaster, TX on January 22, 2009

by Patrick Arellano From Fort Lauderdale, FL on January 22, 2009

Service is terrible and they do not care a thing about customer service. Unable to work with customers to find resolutions on Loans that jumped to 9.5% from 7%. Mortgage is robbery but I can not get my principle down enough to qualify for refinance. Equity is over 20% on today's resale so they have an interest in foreclosing. Please help!!!!

by Anonymous From Cape Coral, FL on January 20, 2009

I have been trying to modify my loan with this company for months prior to the rate increase and no one has been helpful. They have been rude and transfered me to different departments (even been hung up on only for asking for help). Do not ever deal with them. They have horrible work ethics and are extremely unprofessional.

by Jesse Cross From Indianapolis, IN on January 20, 2009

I, suprisingly, had a great experience with an ASC rep. Their main # is 800-662-3806, but they transfered me to a Wells Fargo # which was 866-903-1053. I hardly waited at all, and no one harrassed me on the phone! Good luck!

by JUAN GUTIERREZ From Parlier, CA on January 19, 2009

POR CUESTIONES DEL REFINANCIAMIENTO HEMOS DEJADO DE PAGAR, LLEVAMOS CINCO MESES, NO SE COMO CONSIDEREN EL CREDITO, QUEREMOSSEGUIR PAGANDO LA CASA, UNO DE LOS MOTIVOS A SIDO EL NO HABLAR INGLES, EL CUAL LES PIDO DE FAVOR QUE ME LLAMEN EN ESPAÑOL, O ME ESCRIBAN. GRACIAS

by omar/martenia mims From New Haven, CT on January 17, 2009

by Anonymous From Rochester, NY From Rochester, NY on January 17, 2009

I am having a lot of problem with this company as well. Due to my husband loosing his job we were 1 month behind and they called to tell me that my home was currently in foreclosure and that they would work out a payment arrangement. Well when I got the payment agreement it was 4X my normal mortgage. They were adding over 3,000 worth of fees on top of my mortgage payment of $726.00. I call them to let them know the letter was bogus and they told me that I had to pay it and to sign the agreement and mail it back in. I did not mail the payment arrangement in and they told me if I send in a regular payment they will probably not accept it. THIS COMPANY IS A SCAM and it should be illegal for them to do this to homeowners and we all have to do something PEOPLE. Are we filing a lawsuit against this company. Do we copy these commets and send them to the Attorney Generals office or do we email the WHITE HOUSE. Our sweet leaders are talking about help homeowners if we loose our home who are they helping. I am so sick of how we work for everything and then our homes are sold to someone without us having a say...I AM SO PISSED RIGHT NOW. SO someone needs to take a lead but we all have to be on board.....please respond

by Crystal From Hanover Park, IL on January 16, 2009

When our loan was first bought by ASC we had no issues. In the spring of 2008 we had some unfortunate family problems with my husband losing his job. For months I was the sole provider of our household, and continued to make our monthly mortgage payments. The end of September 2008 I spoke with someone at ASC and explained that I had fallen behind by 1.5 months. The woman on the phone told me I had to be over 3 months in default before they could help me. I was confused, but figured she knew what she was talking about. One month later I called back to get some help. This time the girl told me that I didn't have to wait. She gave me a great deal of information, and said that she would send out something that needed to be signed and returned with documents proving my hardship. I was told to call back in 10 business days if I hadn't received the package. Needless to say the package never arrived. I called back to be told that I was to fax over information and that they do not send any information out. I faxed over the documents need for a loan modifacation in November 2008. Every week I would call back to make sure they had received the information, and were following up on my modifacation. On December 19th the put the loan into foreclosure without properly letting me know. At this point my loan was still with a negotiater for a loan modifacation. Everytime I call these people I get a different story, I can't get anywhere. Now my load mod has been denied and have no real idea of where this leaves me and my family. It seems like this company just wants to take homes leaving people in the street. Avoid ASC if at all possible!!!

by Anonymous From Pompano Beach, FL on January 16, 2009

by jenifer klein From Frederick, CO on January 15, 2009

You can't talk to the negotiator. You twiddle your thumbs waiting for the answer sometimes you'll get a letter or sometimes just so happens when you call the person thatyou have never talked to has lloked over the notes and says something like oh they looked at your file! Well I just feel like a lost puppy and they will get around to us and never call you to update its against their policy

by Anonymous From Conyers, GA on January 15, 2009

by Anonymous From Lancaster, CA on January 15, 2009

this company suck's i been trying to midify my loan since june-2008 and as of know the only think i go was a fixed rate @ 7.9 and my payments are still going up.

by R W From Lindsay, CA on January 14, 2009

I have had no problem with them. I follow my balance with my own computer program every time I make a payment, and their numbers match mine. It may be because I am paying more every month than my monthly payment. I have been paying them for 2 years and probably will pay the loan off in 5 more years. I don't understand all of the complaints. They don't have to work with you. You signed the loan papers. It's not their fault that you can't pay.

by Richard and Janet Leigh From Kalispell, MT on January 14, 2009

by Anonymous From Kuna, ID on January 13, 2009

by Anonymous From Torrance, CA on January 13, 2009

It is hard to work with ASC and i agree that it feels that ASC is more than happy to lose your home rather than saving it.

by Karen Knott From Akron, OH on January 13, 2009

by Anonymous From Amityville, NY on January 12, 2009

by Kathleen Hurcomb From Shawnee Mission, KS on January 12, 2009

by Anonymous From Belleville, IL on January 11, 2009

by Anonymous From Britton, MI on January 11, 2009

by Anonymous From Chantilly, VA on January 10, 2009

Horrible! We are cattle to them.

by Anonymous From Forked River, NJ on January 10, 2009

by Bobby Griese From Chadron, NE on January 08, 2009

by nene From Garfield, NJ on January 08, 2009

I asked for a modification since October 2008. They have failed to return calls, claim they have not received package faxed over 10times. I wish my loan never got sold to them.

by Cassandra Terry From Jacksonville, FL on January 07, 2009

The phone number is 1-800-662-3806 and the web address is www.mortgageaccountonline.com

by Cassandra Terry From Jacksonville, FL on January 07, 2009

I've had ASC for my Mortgage provider for my Florida home for about 5 years and I've never encountered a problem. I've always received excellent service and I have automatic payments for the monthly mortgage, so, I've never had to deal with any conflicts regarding payments. My service experience has been great.

by Cassandra Terry From Jacksonville, FL on January 07, 2009

I've had ASC for my Mortgage provider for my Florida home for about 5 years and I've never encountered a problem. I've always received excellent service and I have automatic payments for the monthly mortgage, so, I've never had to deal with any conflicts regarding payments. My service experience has been great.

by Anonymous From Marietta, PA on January 07, 2009

by DEANA MELENDEZ From Zephyrhills, FL on January 06, 2009

by JOSE RENTERIA From Dayton, NV on January 05, 2009

I received a letter from ASC about wanting to help me suspen foreclosure and modify my payment plan. When I called they told me I needed to pay $3600 in fees, and they were not able to tell me waht my new monthtly payment would look like. Then they said that they could not help me because I had already had a loan modification last month. Very disappointed, all they want is our money. Don't want to help us at all!

by Gigi From Vernon Rockville, CT on January 05, 2009

My husband and I lost our jobs with the same company due to restructuring. We tried to pay the mortgage and finally decided to rent the property. We did so successfully for one year. After the one year the mortgage readjusted and it did not make financial sense for us to move back in since we were making 1/2 of what we used to make. We attempted for YEARS (2007-2008) to lower our payments with to help. We also attempted to list the property NUMEROUS times at loan price but due to the housing down turn failed. We then enlisted the help of a short sale attorney and recieved several very reasonable offers and ASC refused to accept any of them. Now 2 years later finally we have a date for foreclosure and some sense of closure. This company is horrible they make NO attempt to help people struggling with today economical issues. We were not irresponsible borrowers and did not live above our means. Our circumstnaces took a turn for the worst and this company kept shoveling the dirt to bury us.

by Wenceslao Aguirre From Miami, FL on January 03, 2009

by Anonymous From Orange, CA on January 03, 2009

by Anonymous From Willimantic, CT on January 02, 2009

by Elsie Berrocales From Willimantic, CT on January 02, 2009

by cy From Seminole, FL on January 01, 2009

I have been trying to get help with our loan modification for four or five months, and they keep sending me notices with amounts that are completly WRONG. Then they deny the modification because of it. They are not willing to help at all, do not use this company, rent if you have to, don't get mixed up with them.

by Phillip From Los Angeles, CA on December 30, 2008

I recently came to a HUGE realization. ASC and other mortgage companies are not interested in helping becouse of the government aid(bailout)! More profitable for them to WRITE-OFF forclosures at current HIGH prices, rather than negotiate lower prices with current homeowners. The bigger thier LOSS, the more money they get from the government!!! So, it's more PROFITABLE for them to ALLOW forclosures to accure! WOW!

by Jody Wheeler From Menifee, CA on December 29, 2008

by Shannon Karcher From Deerfield, WI on December 28, 2008

by Alphas Melton From Saint Marys, GA on December 28, 2008

They lie and set you up to loose your home.

by SHEMEKA O'NEAL From Grand Rapids, MI on December 27, 2008

They have help me with making arrengement but they are not lower then what I was already paying so I keep getting behind.

by Sonia Gradberg From Carol Stream, IL on December 27, 2008

by Anonymous From Tulare, CA on December 26, 2008

by Anonymous From Los Angeles, CA on December 23, 2008

by kelly bethea From Hackensack, NJ on December 22, 2008

I really have noone to compare them too. They are not very responsive. I completed forms to see what they could do for me in my current situation - I had to call them to find out they could do nothing. I am beginning to think this may not be accurate.

by Anonymous From Norcross, GA on December 19, 2008

by ROSA GONZALEZ From Miami, FL on December 19, 2008

by Anonymous From Vilonia, AR on December 19, 2008

by fran zak From Brecksville, OH on December 19, 2008

by Tanya Hitz From Lemoyne, PA on December 18, 2008

they have poor customer service reps they are very rude

by Anonymous From Chantilly, VA on December 18, 2008

ASC continues to stubbornly ignore us as my family and I go under. How many must finacially drown before they lift a finger to help us?

by jaichand rupram From South Ozone Park, NY on December 17, 2008

by Anonymous From Sayreville, NJ on December 17, 2008

by Anonymous From Sayreville, NJ on December 17, 2008

by Anonymous From Clyde, TX on December 16, 2008

by Michael Torres From El Sobrante, CA on December 15, 2008

by leonarda borjas-duran From Newnan, GA on December 15, 2008

by Darlene Harris From Paterson, NJ on December 15, 2008

Beacause we asent the late payments they said we could get forbarence in our files it was there but we never received it we want our home

by Charisse Scott From Capitol Heights, MD on December 15, 2008

I feel that they should be investigated for not returning phone calls or faxes. And, for not negotiating in good faith with their customers. I feel like I'm being financially "raped" by this company.

by Anonymous From Saint Petersburg, FL on December 14, 2008

Predatory Lenders- Banking and Finance should investigate them. Wells Fargo should be ashamed to be associated with the very mention of ASC.

by Norma Castillo From Escondido, CA on December 10, 2008

by Georgia Shiflett From Stockholm, NJ on December 10, 2008

not sure how to answer this question thank you

by Anonymous From Baltimore, MD on December 08, 2008

by Anonymous From Pompano Beach, FL on December 08, 2008

by Anonymous From Northridge, CA on December 08, 2008

by Constance Ashton From Pottstown, PA on December 08, 2008

by Jeffrey and Shelly Miller From Ecorse, MI on December 08, 2008

by Keith Johnson From Kailua Kona, HI on December 06, 2008

Service is fine and they are polite. However, the people helping with the "workout" plans do not seem well informed. They did reject the ShortSale offer, said it was below fair market value

by Marcia Jager From Kasson, MN on December 04, 2008

by Jonathan Robertson From Glen Allen, VA on December 04, 2008

by Anonymous From Pacoima, CA on December 03, 2008

by Anonymous From Bay Saint Louis, MS on December 03, 2008

Allowed an opportunity for a 'Short sale' to go away by taking more than 3 months to respond. The buyer got tired of waiting and moved on. In the meantime, destroying my credit.

by Audra Pascoe From Norcross, GA on December 03, 2008

by brian MCMASTER From Lowell, AR on December 02, 2008

ASC put money that we sent them into a "frozen account" and when I ask them to use it for my contribution and to call me to confirm. Never heard from them. My negotiator WILL NOT call me back.

by Anonymous From Mesa, AZ on December 02, 2008

I had similar issues to others. My loan was sold to ASC. Fell behind on payments due to being a first-year teacher. Rather than working out a plan that was manageable, they put me on a plan with a balloon payment 4 days before Christmas.

by debra dickson grant From Marysville, WA on December 01, 2008

by Anonymous From Santa Fe, TX on December 01, 2008

America's Servicing Company would rather foreclose than work out a repayment plan that we can actually afford. Their idea of a repayment plan is to double our monthly payment for a while. If we had the money to do that, we wouldn't be having a hard time financially! It's ridiculous and I cannot beleive this company is still in business.

by Anonymous From Naples, FL on November 30, 2008

I would like to know if anyone has been successful getting a deed in lieu of foreclosure from ASC. I bought in June 2006, mortgage was sold to ASC and my inflated home value plummeted from 650 K to 300 K in Naples Florida in less than a year after buying. In Florida you can be sued for a deficincy judgement for 10 years and then the debt can be sold for another 10 years to someone else. A deficiency judgement can not be assessed for a deed in lieu of foreclosure. I lost my job and the new job salary is 2/3 of my previous salary.My mortgage/ins/taxes comprise 67% of my take home income.My original mortgage includes a second mortgage on value that no longer exists!Athough we have a fixed interest rate, this is very stressful , and I would rather lose my investment and lose less money by renting rather than pay for a house that will never be worth 650K again. But there is no hope unless we can get a deed in lieu. Any experiences on getting a deed in lieu of foreclosure approved from ASC rather than a foreclosure and deficiency judgement?

by Anonymous From Sandwich, IL on November 29, 2008

Both companies do not care if you plan on repaying the mortgage, they seem more interrested in foreclosing. Although, if you try to work with them all that I have received are lies. Select Portfolio calls all the time, day evening, weekend, holidays, Sundays - very annoying. They were even calling when my loan wasn't in default. It would be nice if the Attorney General would actually take charge and go after companies that conduct business this way.

by Felicia Simms From Brandywine, MD on November 28, 2008

I have tried every way possible at trying to work things out with this company. My loan was brought out by this company from People's Choice.My financial hardship was brought on by an unscrupulous contractor.This contractor has forced my family and I to live outside of our home which has given us more financial responsibilities. We honestly need help.

by Anonymous From Jacksonville, FL on November 27, 2008

by Tiesha Mason From Louisville, KY on November 26, 2008

by Anonymous From Portsmouth, VA on November 24, 2008

by Anonymous From Philadelphia, PA on November 24, 2008

by C From Corona, CA on November 24, 2008

Everything everyone has said negative about this company is TRUE. Do not get a loan thru this bank!!!!

by Stasha From Des Moines, IA on November 21, 2008

First of all Let me just start off by saying that fact that this company is charging money for the same services home owneres can do on there own is just plan sad. Do you honestly think you are going to get any further with the process being a thrid party that you are the home owner...WRONG! People are out there charging money on peoples hard ship when they them self can do it for FREE.....they can barley afford there mortage let alone to pay for services that will get them no further that they themselfs could do. You people should be ashamed of yourself taking advantage of people @ a a time like this

by Travis Render From Atlanta, GA on November 20, 2008

by Louise Castagna From Burlington, NC on November 20, 2008

by claudia GONZALEZ From North Las Vegas, NV on November 18, 2008

This people in the customer service phone line were rude and were not help full at all. I sent them all the info to try and work out a payment plan and they never gave me an answer they always said i had paperwork missing so finally i gave up. They finally sent me an answer they said i don't qualify for any of their programs. THIS IS THE WORST COMPANY THAT I HAVE BEEN WITH. THEY ARE NOT WILLING TO HELP THE CUSTOMERS THEY RATHER MAKE THEM LOSE THEIR HOME AND PUT PEOPLE IN THE STREET EVEN THEY LOSE MORE THAT WAY.

by Steven Higgins From Colorado Springs, CO on November 18, 2008

I have tried working with them and they refuse to help me.

by Mh Reeder From Asheboro, NC on November 16, 2008

Cannot get anyone on the phone with ASC who knows more than the standard answer to give. They cannot offer any help.

by Anonymous From Spring Valley, CA on November 16, 2008

Unable to contact them and the last time I spoke with them they were unwilling to help at all.

by Jamar Turner From Cleveland, OH on November 16, 2008

America's Servicing Company does no give options to avoid foreclosure. They won't renegoiate interest rates/etc. It has gotten to the point where I simply can't afford the home anymore.

by Goldia Coldon From Saint Louis, MO on November 14, 2008

We had no choice about being assigned to ASC. Our mortgage was sold to them. They don't seem to "play fair" in light of the world economic situation. Last week we received a letter from ASC indicating that our mortgage rate and payment would go up again in January. Their loan modication process and decision, in our case, do not seem to be helpful at all.

by derek holgate From Troutdale, OR on November 13, 2008

i cant stand them

by Anonymous From Sun Valley, NV on November 13, 2008

when asking for help they said they already helped us and thats all they can do. even though our payment still went up even after our loan modification.

by James Thurber From Fredericksburg, VA on November 13, 2008

We have not experienced anything near what other persons have experienced with ASC. What I don't understand is why they would rather have a mess of vacant houses that probably aren't worth what was borrowed on them. Why not work with people to help them salvage their homes. After all taking less in interest payments is far superior than getting another house just to put it on drydock.

by Michael Dills From South Holland, IL on November 13, 2008

by Anonymous From Hemet, CA on November 12, 2008

by nanci hughes From Deer Lodge, MT on November 12, 2008

by adelina & william acosta From Peoria, AZ on November 11, 2008

by UPSET CITIZEN From Riverside, CA on November 11, 2008

ASC ID THE BY FAR WORSE COMPANY I EVER HAD TO DEAL WITH I KNOW SOME PEOPLE THAT ARE SUEING THEM. YOU NEED TO WATCH YOUR STATEMENTS THEY TRY AND PULL A FAST ONE OVER ON YOU AND YOU DONT ALL WAYS TELL THAT THEY ARE CAHRGING YOU MORE THAN AGREED AND THE AMOUNT WILL CHANGE ON YOU EVERY COUPLE OF MONTHS IT WILL BE A DIFFRENT AMOUNTAND THE NEXT STATEMENT WILL BE THE NORMAL AMOUNT REGARDLESS IF YOU ARE COUGHT UP ON PAYMENTS THEY WILL STILL TRY AND RIP YOU OFF AND IT IS HARD TO GET THROUGH TO SOMEONE TO TALK TO ITS LIKE IF YOU DINT HAVE MONEY FOR THEM THEN THEY DONT WANT TO TALK TO YOU

by america montero From Tampa, FL on November 11, 2008

EVERYTIME I CALL THEY COME WITH A DIFFERENT STORY AND NOTHING THAT HAS BEEN SAID BEFORE IS TYPE ON THE REPORT TO REFLECT EVERYTHING THAT WAS SAID ON THE PHONE CALL, THEY HAVE A BAD CUSTOMER SERVICE.

by joe carter From Spring Hill, FL on November 11, 2008

i also inherted asc,and they suck!they keep telling me that we are going to modify your loan,but nothing,i go in circles!someone help!i wrote charlie crist,and gus bilarakis,waiting to hear,but they have several complaints!! they are not doing what the goverment has passed in law.if an attorney wants to take them on,i am in!! joe carter 1316 medford ave spring hill fla 34606

by rosa sanchez From Hamden, CT on November 11, 2008

Hi My Nane is Rosa Sanchez My money promblems came 21/2 years ago when I took in my sister's three kids(DCF) I now have my two girls and My nephew only I have since made a payment plan with my lender starting 9/12/08 2536.00 In October I got a Bill for 2100.00 so I sent that in and on 11/8 a reator came to my door to inform me that my home has been sold. I would like the oppertunity to keep my home for my kids sake I mean rents are just as much as a mortage,however my fiannaces has become much more available since my car has been paid off and I don't have credit cards debt or any personal loans. I making more oney that I wa tow years ago plus I receive state subsdity for my nephew. What can I do if anything?. PS. excuse any typos I am just typing away I am very anxious.

by Alphas Melton From Saint Marys, GA on November 10, 2008

by Anonymous From Salem, OR on November 10, 2008

by Anonymous From Pemberton, NJ on November 10, 2008

We have been dealing with them for over a year trying to work out a new mortgage so our home wouldn't go into forclosure. you can never get a hold of them. They can never give you any answers if you do get a hold of them. My laywer even has problems contacting them and getting a response from them. They are not trying to help anybody.

by william kelly From Erie, MI on November 09, 2008

by Anonymous From Kokomo, IN on November 08, 2008

by Anonymous From Grants Pass, OR on November 06, 2008

by Bethany Johnson From Bakersfield, CA on November 04, 2008

I've been trying to make a payment for the last month but they wouldn't take any money claiming it was in default, yet the default department had no record of it.

by Anonymous From Las Vegas, NV on November 04, 2008

They will not work with me at all.

by M From Simi Valley, CA on November 03, 2008

this is the worst company. my loan was sold to asc in 2004. i lost my house this year. they refused to help me at all.i started contacting them in august of 07. i wanted to give myself and asc plenty of time to set me up with a loan modification. i spent hours and hours on the phone with them. after talking to literaly a hundred different people that told me a hundred different things they denied me for any loan modification, refinance, even a re payment plan. they gave me no option. my mortage reset in november of 07 and jumped $1,600.00 MORE overnight. they reviewed my financial worksheet and came up with the reason that we make too much????? and could not do ANYTHING. so we moved out in april of this year. the house did not sell at auction,and in may asc sold the house to a propery management company. we owed asc about 529k, they sold it for 360k. if they would have worked with me they wouldn't have lost anything but some interest. i don't get it. i owe on a second, i have no write offs come tax time, i am spending more on rent than i was on my mortage before it reset. i am at a loss . i hate asc with everything i have. i wonder how many companies such as asc that the government is bailing out. does the government know these companies are doing to help the situation, taking no advise from the president to "work with the home owners." we the people need the bail out, Not horrible companies like this.

by Anonymous From Camden, TN on November 03, 2008

by Peter Stetz From Ghent, NY on November 03, 2008

by Anonymous From Matteson, IL on November 03, 2008

I have been trying consistently over the past four months to reach a solution with ASC but have been unable to do so. They will admit my finances are ok, but the growing arrearage is what's throwing the modification off. They will not write down the arrearage or add it to the end of the loan and allow me to start fresh. I am willing to start again and get back on track. Please help.

by Stephen B From Boca Raton, FL on November 01, 2008

I have reviewed all of the post and I have not seen anyone post exactly who filing the forclosure as the lender? Who is listed on the forclosure as the holder of the note? I am very curious if anyone posting here could respond to the holder in due course. Thanks

by Ines Varela-Cabrera From Houston, TX on October 29, 2008

The representative of this company don't have a soul, when I speak with them i feel like a trash

by Anonymous From Eden Prairie, MN on October 28, 2008

Client had hail damage to home. Insurance Company sent check for repairs w/ ASC listed on check. Because home in foreclosure ASC refused to endorse check had client endorse check and sent back to ASC and holding funds Contractor told to send in required paperwork signed and nortarized by both client and Contractor, ASC required complete paperwork to get funds to do repairs. Contractor and client submitted paperwork. ASC has taken 2 months of deciding what to do w/ funds allocated for repairs. Ok'ed repairs and released 1/3 of funds, sent check to client who has disappeared. The check ASC sent out to client lists contractor and client. Contractor can't get ASC to reissue check w/o client even though all paperwork authorizes this. ASC also wants 50% of roof done (You can't re-roof a home only 1/2 way and wait for an inspection - This is MN.) and then will order inspection before releasing another 1/3 check (listing client again - whereabouts unknown) to finish all work. Final check w/ client and contractor listed will be sent to client again. Theses people are nuts, They have no common sense and are very condesending. They have so many insular layers of BS, it is completely insane, not to mention it is insurance fraud for them to cash an insurance company check on a insurance claim and to not pay to have damages to home repaired. Each call to ASC takes about 1 hour and each time the CSR will apoligize for the lies and mistakes of the previous rep. Any request for a return call from a supervisor or a person in a higher position goes unreturned and each request for any type of action is quoted as to take 2-3 days, then 3-5 days then 5-7 days and finally the original request is resubmitted after 2 weeks at which point the process starts over again. No wonder the mortgage industry is in such disarray. I equate this service even lower than HSBC's Customer service that is located in India. ASC's customer service people are Americans and can speak english but they must be required to have a frontal lobotomy. Maybe the United Way can start a foundation to help all these mentally challenged individuals employed at ASC! We should havethe CDC check to see if this might be some sort of contagious disease. I pitty these poor fools! Are they just that F'in Stupid

by yenis erazo From Saint Petersburg, FL on October 28, 2008

by Anonymous From Jupiter, FL on October 27, 2008

by heather habaqe From Manassas, VA on October 27, 2008

by Lamia - Global Mitigation Trust From La Verne, CA on October 27, 2008

************Anyone looking for help with a loan modification or short sale of their home please contact us at (951) 324-0078. We can help you!!!!

by Anita Motard From Dallas, TX on October 24, 2008

So, here’s my sad tale about ASC. I wanted to help my son buy a house in March 2006. His credit was poor so the mortgage broker suggested that I get a 2 year arm with a 2 year prepayment penalty mortgage AND after the 2 years get the loan refinanced in my son’s name. Good idea… So early 2008 comes around and the mortgage guy calls telling me that we need to start the process of refinancing in my son’s name. We start the paperwork and when the guy gets the payoff amount, he finds that there is an additional year prepayment penalty! Yes, I signed that at closing even though it was not the loan we discussed. Of course the original mortgage company is out of business but we track down the manager of the funding company (also out of business) and he says that the loan was definitely supposed to have been a 2 yr arm w/ a 2 yr prepayment penalty - not a 3 yr prepayment penalty. So I started calling ASC and they offered absolutely no help - telling me that I signed the paperwork and tough luck. Back to the manager of the funding company, he gets copies of all the closing documents including his handwritten notes to the mortgage company confirming the 2yr/2yr - he sends that to ASC and they still say tough luck. The payment has gone up by almost $600 per month and the kid can’t afford anymore money so Mom (me) gets to pay the extra plus all the taxes and insurance. I can not afford the extra expense - if the creeps at ASC would just refinance the loan to a 30 year at current rates, my son could afford it and ASC could keep the loan. As it is, we are considering letting the house go back to the mortgage company. So many big banks getting bailed out and all I’m asking for is to have a good loan refinanced at current interest rates - without a prepayment penalty of $18,000.00.

by Anonymous From Beaumont, CA on October 24, 2008

by PAM From San Antonio, TX on October 23, 2008

ASC/Wells Fargo or what ever the company want to be called, are the worst company in AMERICA right now, they are situated to become one of the most powerful insitutions in the world. We need to have some help, they are the evil taking over america's families

by jeffrey frolich From Glendale, AZ on October 23, 2008

by Anonymous From Brooklyn, NY on October 22, 2008

they seem to be willing to negotiate.

by Roger Dike From Sacramento, CA on October 21, 2008

by Sharon Teresi From Jacksonville, FL on October 20, 2008

by Anonymous From Sugarloaf, CA on October 20, 2008

by Elizabeth Pile From Rockton, PA on October 20, 2008

by william l. compton From Frankfort, IL on October 19, 2008

They don't send documents we want and the documents they do send are conflicting. One yes one no on the same day!

by janice winfield From Houston, TX on October 18, 2008

by Anonymous From Kissimmee, FL on October 17, 2008

by Anonymous From Sumter, SC on October 16, 2008

I lost my mother in May of 2008. It took weeks for me to actually get through and talk to someone at ASC. He informed me of the paper work that would be needed. After I received and sent the papers to the company, no one returned my phone calls for weeks. Finally I got through to someone who told me the fax number given to me was for the wrong department and the faxed papers were listed on the account as unreadable. When I faxed these papers I also faxed in my own information. But instead of them giving me a courtesy call, they opt to place the account into foreclosure for non-payment. How in the world could that be. No one would give me a bit of information as to what was going to happen to the home, whether I could just take over payments, or if she had insured her account. Now I am in an agreement to pay more that a thousand dollars each month for a total of five months. Because of the company's negligence not my own. All the extra charges are the so called fees to stop foreclosure on the home. As far as getting to my account online, there is no such thing. I have been trying for months. I'm really fed up. At present I have decided to seek legal help. Something with this company is not right.

by anonymous From Buttonwillow, CA on October 16, 2008

My property was in foreclosure and went to auction but did not sale(all bids too low) so property resorted or was bought by wells fargo. I was then told that I had nothing else to do with that property. Within a month of the sale's date, I receive a statement from the insurance company that had been assigned to my property stating that I had filed a claim on this property that I did not own anymore. It also stated that the insurance company ok'd the claim in the amount 0f around 25,000 and also stated that it was to be payed to a third party who was to do the repairs on property that I did no longer own or have incurance on. I swear something sounds and is wrong. And how come my insurance wasn't cancelled at the time of the auction sale and any remainder sent to my bank account. I was told that this is a common practice in circumstances such as this. I wonder who sign that ins. claim form? I didn't. you can believe that i'm still checking into this matter....Help!

by Anonymous From Miami, FL on October 15, 2008

by Anonymous From Berlin, NJ on October 15, 2008

did my best to modify my loan- stuck by my part of the agreement- was denied for income to debt ratio- ASC had a much higher amount of depts that I really have- feel this was a made up reason to deny- want to walk away from this house- I'm working 60+ hrs a week to keep it- was hoping the modification would lower my payment (I have an adj rate)

by sharon From Minneapolis, MN on October 14, 2008

We had five of our properties sold to ASC. Working with them has been the worst nightmare I have ever faced financially. My credit is ruined because at first they said we owed a payment we did not owe and now we really are behind. They will not talk to you. You cannot get anyone competent on the phone to work with and if you do get a manager, they tell you how horrible you are and they twist your words and use them against you in lawsuits. Best advice: do not try to work with them on your own. You have to get a third party involved to work on your behalf if you have any problem and even then you may not get anywhere with it.

by tony mock From Jackson, GA on October 14, 2008

They are very rude and not willing to help in a time of financial crisis

by carolyn lyon From Albuquerque, NM on October 14, 2008

by Anonymous From Sparta, TN on October 14, 2008

by Anonymous From Marlborough, MA on October 14, 2008

by Anonymous From Hudson, CO on October 13, 2008

by JESSIE AVERY From Palmdale, CA on October 12, 2008

I WOULD ADVISE ANYONE TO MAKE SURE THEY DO NOT RECEIVE A LOAN FROM AMERICAN SERVICING CO. THEY ARE FORMERLY WELLS FARGO. THIS IS A HORRIBLE COMPANY.

by Anonymous From Glennville, GA on October 11, 2008

by Anonymous From Endicott, NY on October 10, 2008

by PATRICIA From Washington, DC on October 10, 2008

THEY SUCK SUCK SUCK. They are unprofessional, uninformed and nasty. They incorrectly sent the city FIVE TIMES what my property taxes were supposed to be, then told me my monthly payment was going to go way up because of the "shortage" in the escrow. even after the city sent them a refund, they told me it would take a month to reconfigure my correct payment. meanwhile they told me I was late and sending the incorrect payments, even though I told them it was all an error and it was in their records. they put my home in active foreclosure because I was supposedly way behind on payments that were much higher than usual and in error. I called one day and was told one thing by one person, then something compltely different by someone else. they are thoroughly incompetent. I suggest if you can to RECORD ALL YOUR CALLS WITH THEM. it wasn't until i was put on hold for a good half hour (i'm not kidding) did I finally talk to someone who supposedly knew what was going on. when I mentioned I had been on hold that long, the person said "we're busy." that's it. no apologizes no nothing. I finally got to a supervisor who said they would put a request in to speed the "reconfiguration" analysis so that I could have my correct monthly payment in a few days and not by the end of the month before it was too late to do anything about the foreclosure. they told me to call back in a couple of days and the system should be updated. of course that's what they told me a few days ago too. so who the hell knows. stay tuned!!! in the meantime, AVOID THEM LIKE THE PLAGUE! THEY SUCK SUCK SUCK. THEY ARE THE WORST.

by PATRICIA From Washington, DC on October 10, 2008

THEY SUCK SUCK SUCK. They are unprofessional, uninformed and nasty. They incorrectly sent the city FIVE TIMES what my property taxes were supposed to be, then told me my monthly payment was going to go way up because of the "shortage" in the escrow. even after the city sent them a refund, they told me it would take a month to reconfigure my correct payment. meanwhile they told me I was late and sending the incorrect payments, even though I told them it was all an error and it was in their records. they put my home in active foreclosure because I was supposedly way behind on payments that were much higher than usual and in error. I called one day and was told one thing by one person, then something compltely different by someone else. they are thoroughly incompetent. I suggest if you can to RECORD ALL YOUR CALLS WITH THEM. it wasn't until i was put on hold for a good half hour (i'm not kidding) did I finally talk to someone who supposedly knew what was going on. when I mentioned I had been on hold that long, the person said "we're busy." that's it. no apologizes no nothing. I finally got to a supervisor who said they would put a request in to speed the "reconfiguration" analysis so that I could have my correct monthly payment in a few days and not by the end of the month before it was too late to do anything about the foreclosure. they told me to call back in a couple of days and the system should be updated. of course that's what they told me a few days ago too. so who the hell knows. stay tuned!!! in the meantime, AVOID THEM LIKE THE PLAGUE! THEY SUCK SUCK SUCK. THEY ARE THE WORST.

by VJefferson From Fayetteville, GA on October 10, 2008

Lost my house last year due to ASC refusing to take three short sale offers of $520K, $510K and finally $490K. Owed approx. $580K. Day before foreclosure they called me and told me to send in three docs and they would halt sale so we could finalize short sale and pay them. They are absolutely disgusting. One rep told me to send in docs, which I did, and then the next day she claimed she didn't get them. Called another rep and he said docs were received. Hope they can sleep at night! Because of these people I have devoted myself to trying to help others in same boat. Got one now, they sold her house and she was still in bankruptcy. Looks like a reverse foreclosure to me! Good luck everyone.

by william Infield From Brandon, FL on October 10, 2008

by Frank Scott From Houston, TX on October 09, 2008

by Anonymous From Walkersville, MD on October 09, 2008

by mike vangen From Waconia, MN on October 09, 2008

i feel like they set me up for forclosure. i was 4 months behind when they said the would reschedule my payments and not to make any payments until they figured out my payments. meanwhile the collections dept told me they would put me in default if i didnt pay. i told them your co. is rescheduling my payments and told me not to make any more payments. i asked if i should start making payments again and they said no,you should not make any payments until they refigure you payments. i said will you stop calling then and they said no, that they will call until they reschedule your payments. day before sherrif sale they say they cant help im to far behind even though they told me not to make payments. now im in forclosure trying to save my home

by Anonymous From Brainerd, MN on October 08, 2008

I was one of the unfortunate souls who had never missed a payment and had my low rate fixed mortgage sold to these clowns. They will never help you after they screw up the reporting of things and the application of payments. It is the worst experience I've ever had with a mortgage company ever! I hope they are put out of business and ruined just like they have ruined so many people's lives here. Shocking...utterly shocking.

by Julian Godwin From Freeport, FL on October 08, 2008

by sm From La Habra, CA on October 08, 2008

This company took over my loan for my rental property. They had hidden property taxes they said i owed and instead of sending my payment to the mortgage they took it for the taxes and charged me a late fee. They in turn jacked my payment up to over $6,000 on a loan of $319,000. they do not call you back and offer no help just let you stress out while they sit back and do nothing. The operators that you get are kids that do not even own a mortgage and have little or no education on these types of lifes problems. This company wants you to end up missing payments before you get any help and then have to walk away from your mortgage. They need to offer people help that have been making their payments and re negotiate the loan to a low fixed interest rate. This infact will lower the mortgage payment and both parties will win. It is sad in these times americans can not get any assistance all you hear is that your loan to value is upside down and you have no equity. oh but they will help if come out of pocket with a sizable amount of cash. This company is very frustrating and should not be servicing loans. They make you feel as though you borrowed from a booky and send thugs to collect when they push up your interest rate and your payment. Why is the better business bureau not helping when there are all these complaints about this company.

by Anonymous From Brighton, MI on October 08, 2008

All other lenders are willing to help out with foreclosures. Asc is the worst. If at all possible, AVOID asc.

by Javier Sanchez From Springfield, VA on October 07, 2008

by Dawn Luepke From Fort Lauderdale, FL on October 07, 2008

They refuse to work with me while I am still in good standing.

by Jose Lazo From Middle River, MD on October 07, 2008

by Anonymous From Naples, FL on October 07, 2008

by Anonymous From Cambridge, MD on October 06, 2008

by Jason Williams From Long Beach, CA on October 03, 2008

by B Carman From Louisville, KY on October 03, 2008

Loan was assigned to ASC a couple years ago, have not had any problem with them, customer service has always been friendly and helpful.

by Anonymous From Macclesfield, NC on October 03, 2008

by randy henderson From Joplin, MO on October 02, 2008

by patrick burress From Davenport, FL on October 02, 2008

by Anonymous From San Dimas, CA on October 01, 2008

by Anonymous From Fort Lauderdale, FL on October 01, 2008

I have been calling since July 2008, no one is responding to my request for a modification on my monthly payments and I get furthur and furhter behind. I paid what I can afford $1,647.27 and it was returned. This is the original loan amount without taxes and insurance yet they return it

by NANCY BOUT From Lanoka Harbor, NJ on September 30, 2008

I'm not in foreclosure,and paymetns are made on time.TWICE we were 2 days late,and they forfieted our late payment.That was nice of them.They ARE a loaner for people with less than credible credit,I had bad credit,so did my husband.We are lucky we pay 6.123 % and Hoping that we can continue to pay or mortgage.yes,the times are hard.So many people are losing their homes.I do not blame ALL the people,but rather the loss of jobs all over the country.BAnks are Losing money by lending money out to people left & right with less than good credit(like us for example). We are just fortunate at this time. I'm in New Jersey,what KILLS us is not the mortgage payment but rather the HIGH TAXES of 500 a month.That is just APPALLING In my opinion! Sad.

by Pissed Off Rocker From Windom, MN on September 30, 2008

ASC's Website is: WWW.ACCOUNTSERVICESONLINE.COM Good Luck with this predatory lending institution. They suck bad!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

by Victoria McCray From Elizabethtown, KY on September 29, 2008

So far ASC has been very nice and helpful and compasionate towards my situation. However, my situation has not got out of hand so maybe thats why or maybe it's just God's favor.

by Christina Watson From Cincinnati, OH on September 29, 2008

I have now wasted one hour trying to find asc website that does not exist. Many companies have websites and are easily managed. If you call their customer service number, they give you the same bogus website that is printed on their statements. You would think doing business with them would be easier than all this!

by Natasha Kelly From Hollywood, FL on September 29, 2008

by Anonymous From Ontario, CA on September 28, 2008

This company does not want to work or correct mistakes that have been done to our loan.

by Your worst nightnmare From Hollywood, FL on September 26, 2008

Burn in HELL David Klass defender of ASC.Are they paying you well???? .It's smug little pricks aholes like you that are going down!ASC the government isn't going to bail you out. Have a nice day jerks.

by Anonymous From Mary Esther, FL on September 25, 2008

by Kelly F. From Prescott Valley, AZ on September 23, 2008

This morgage company if that is what you could call them,is the worst I have ever delt with.They would rather kick people when they are hurting,and not even for a moment think twice.How can people like them even sleep at night???I have 5 children and a disabled husband and I recently have gotten behind on my morgage but had a local charity willing to help some and all they needed was a (w-9) paper to be sent to them by my lazy morgage comp.They put me on hold of faxing this paper for over a month and guess what finally said that they can't sent those out and that now I am facing forcloser.I think that they are hinding something from the I.R.S. well guess what I am Going to fine out.I am not going to give up on finding out why this company can not help those that give them jobs.

by LAVERN LETMAN From Palm Bay, FL on September 23, 2008

by Anonymous From Southfield, MI on September 23, 2008

by AARON COSBY From Fort Lauderdale, FL on September 23, 2008

by Anonymous From Kiel, WI on September 23, 2008

I have never dealt with so many rude and unpleasent people all in the same place. They say they are willing to help but make it absolutely unable to be accomplished.

by Anonymous From Whittier, CA on September 21, 2008

by Gary Kraft From Marlborough, MA on September 20, 2008

by dennis or sandy atherton From Kittanning, PA on September 19, 2008

never get the same answer when calling always told a different story... not very friendly

by Anonymous From Brockton, MA on September 19, 2008

i have tried so hard to work with them,and i can't seem to get anything fare done,they prefer to foreclose on my house instead of geving me a confortable monthly payment that i be able to afford,please help me get this done.

by Anonymous From Hemet, CA on September 18, 2008

by Eileen Swift From Rancho Santa Margarita, CA on September 18, 2008

by Anonymous From Valley Stream, NY on September 18, 2008

I have tried in vain to help my friend who is almost one year behind in his mortgage payments. As an objective observer I have the following statements to make: 1) I have never had a problem (except maybe holding awhile) getting in touch with a customer service representative at ASC. 2) ASC has always been willing to work with my friend (and myself once I was put on the account as a representative for him) to get this resolved. My friend was NOT willing to work with them. He would not give them his phone number and would not call them. 3) ASC has raised his interest rate every 6 months. From other postings on this site, it sounds as if they cannot do this and that it is part of the original mortgage plan -- I don't know. I DO know that he refinanced the home, took the money out of the refinancing and now doesn't care as he has already "gotten" his money out of it. 4) Yes, my friend has NO credit so there is no arguing that he cannot afford this mortgage. 5) I filed a loan modification for him over a year ago which ASC denied (and I would have denied it too) and so a year later he is STILL in this house making no mortgage payments and spending money like he is upper class even though he works as a laborer. 6)I find it very distressing that this country is being financially compromised because people don't pay their bills. MY ADVICE: People, if you trust someone else to tell you that a loan is "ok" without reading your own contract or having a lawyer look it over, you are a fool and need to learn this lesson. AND if you sign a contract KNOWING you cannot make the payments or will be hard pressed to do so, then you are a fool and need to learn this lesson. If you blame others for your predicament, then you are a fool and need to learn this lesson. ADVICE: Get rid of the house (sell it at any price if possible) and LIVE ON A BUDGET BASED ON YOUR SALARY. If you have to live in a tent until you can afford or find an acceptable home, then do it. Why should the honest taxpayer who pays his bills pick up the mess an irresponsible, illiterate or ignorent person has incurred. NO -- nothing is free -- someone pays for it and YOU ARE NOT MY CHARITY OF CHOICE.

by Sally Stuckman From Fremont, OH on September 18, 2008

by Shannise Brown From Mahwah, NJ on September 16, 2008

There are the ones to cause me to default in the first place

by Shannise Brown From Mahwah, NJ on September 16, 2008

There are the ones to cause me to default in the first place

by yolanda embry From San Antonio, TX on September 15, 2008

by Ronald Coffey From Pineville, NC on September 15, 2008

they did "their" job and have discussed the details with us. However, it would be "life-saving" for us if they had given us more "dialogue" and compassion on our situation because we are extremely willing to do everything we can to stay in our 'Home." This is "home" and it would be devastating in many other areas of life if we could not stay put. The key word here is "LIFE."

by christine mcloughllin From Long Pond, PA on September 15, 2008

by Randy From Davidsonville, MD on September 15, 2008

Thanks ASC for your horrific handling of our loan. Your lack of interest to NOT loose everything was "underwhelming". Instead of lowering the interst rate and allowing us to put payments on the back side...you opted for foreclosure. Instead of taking a "certified contract for 10k less than the mortgage amount, you opted for forclosure. Instead of a deed in leau of...foreclosure. I hope your enjoying the still empty house...idiots.

by Francis Carino From Las Vegas, NV on September 14, 2008

Hard to talk to customer service.

by Anonymous From Saint George, UT on September 13, 2008

by tom allen From Upland, CA on September 13, 2008

by Antwan Nelson From Orlando, FL on September 12, 2008

by Antwan Nelson From Orlando, FL on September 12, 2008

by patricia coke From Decatur, GA on September 12, 2008

by Bill Ferguson From Indio, CA on September 11, 2008

by Anonymous From Youngstown, OH on September 11, 2008

Company is VERY difficult to work with, after going thru a period of repayment to catch up with them, we were advised that before we could go back to regular payments, we had 10 days to pay almost $4000 to get back in the program. This amount was never discussed, or presented in any documentation from them. the date that amount was due was on a wednesday, we asked for a 2 day extension, pushing the payment out to a day when both of us were paid, and they advised that was an unreasonable request, and it would not be granted.

by Steve Perry From Santa Maria, CA on September 10, 2008

by Kris Ghaza From Valencia, CA on September 08, 2008

by Anonymous From Plainville, CT on September 08, 2008

by Juan Piacquadio From Valencia, CA on September 08, 2008

It is the worst mortgage company that I have to dealt with.

by Anonymous From Colorado Springs, CO on September 08, 2008

by Anonymous From Farmingdale, ME on September 08, 2008

by Mayra From Miami, FL on September 06, 2008

by Anonymous From Center Rutland, VT on September 04, 2008

I never receive the same answer from anyone and they were not helpful when I called for help.

by angela dawson From Montgomery Village, MD on September 04, 2008

i have made attempts to contact this company and speak about my financial situation before it became a crisis, which it is today, back in the spring. they wouldn't even talk to me unless i was in default (loss mitigation). i finally just told them i needed to talk to loss mitigation and was able to get forms from them in may for a short-sale. i was told they wouldn't do a modification as well. i'm trying to push for something to happen to avoide foreclosure. i would love to just leave this property but i can't.

by Thomas Twingstrom From Anoka, MN on September 03, 2008

I will never refer this company to anyone. They are the worst company i have ever dealt with. they will not work with you. it is basically there way or no way.

by Fernando Diaz-Duran From Wilmington, CA on September 03, 2008

by Jennifer Brett From Reynoldsburg, OH on September 03, 2008

by Lorraine Gordon From Groveland, FL on September 03, 2008

by Jordan Johnston From Windsor Locks, CT on September 02, 2008

poor communication due to my hearing impaired so you can use my relay service to clear communicate 866-244-1924

by Jordan Johnston From Windsor Locks, CT on September 01, 2008

poor communicate because they did not realize that I am deaf.

by Adam Grossman From Avondale, AZ on August 31, 2008

Had medical issues and loss of income. Wanted to skip a couple payments and tack it onto the end of the loan. They said they would not do that and if we got three months behind, they would change the loan from interst only to a convential which would raise the payment and would not help. Principal is 354,000 and these homes are now coming in at 220,000. Would like to negoiatite down the principal. Have considered walking if they wont work with us.The cost of foreclosing and resale will cost them more than if they would just work with us.My sores have been as high as 850 until the last three months. My wife close to 800. Can you help?

by Rob Faulkner From Toms River, NJ on August 31, 2008

They have a website that says you can make a payment online when you go to make a payment, it doesn't allow you to make a payment nor does it give you options to make a payment by phone. It's bad enough to struggle to keep my home, when you to the people who say they will give options to keep it' they make it hard to pay on the mortgage. These are hard times and these people set you up to fail. I bet they don't lose any sleep.

by Anonymous From Cape May Court House, NJ on August 30, 2008

by Anonymous From Walnut, CA on August 28, 2008

by Anonymous From West Palm Beach, FL on August 28, 2008

by angie kersey From Littleton, CO on August 27, 2008

not helpful with the current situtaions going on in the economy to work with owners who wish to get help to have the american dream----

by Adleen Marshall From Houston, TX on August 27, 2008

by BONNIE NIX From Chicago, IL on August 27, 2008

THEY ARE A COMPANY WHO DOESN'T LISTEN NOR PROVIDE ANY ASSISTANCE TO THEIR CLIENTS.

by Disgusted From Barto, PA on August 26, 2008

My husband & I contact ASC a few weeks ago to renegotiate our mortgage. They said they would send out the paperwork to us to fill out. Well, when it came, it wasn't my information, it was someone from North Carolina's information. I know where she lives, phone number, SSN #, mortgage amount, even how much she makes & how much she pays in bills every month. Still haven't received my own package yet. Called ASC to inform them and they transferred me to about 10 different people, none of whom could answer a question. I filed a complaint with the BBC against them.

by Anonymous From Wilkes Barre, PA on August 25, 2008

by Hurricane Katrina Victim From Meraux, LA on August 24, 2008

On Aug.29,2005 we lost everything in the hurricane and we finially was able to get in touch with ASC and explained to them what had happened and told them we were forced to relocate due to insurance problems with the hurricane and ASC was told directly that we couldn't pay to live in 2 places and we couldn't afford it ASC wouldn't work with us and we told them that we were waiting for a grant and we wanted to pay them "CHRIS " told my husband that they wouldn't take anything less and would rather foreclose it went from a loan of 110,000 to 160,000 we offered 89,000 they are very unsenisitive and rude and if they were in our shoes they would not like it

by daniel belanger From Agoura Hills, CA on August 24, 2008

by tim ambridge pa From Ambridge, PA on August 23, 2008

asc is the worst company out there they should not be in bussiness,what is wrong with this world in letting this happen to people trying to make a life of themselves asc is why people are in this situation of foreclosure because there bogus late fees,and charge for payment over the phone why cant something be done about it.all i can say about asc is buyer be ware on a mortgage from asc ripoff con company

by joseph vanderschaegen From Hartford, WI on August 22, 2008

by Anonymous From Neptune Beach, FL on August 22, 2008

by Anonymous From Hoyt, KS on August 22, 2008

We send our payments on time, they aren't debited out of our account until after th 15th! That's comepletely ridiculous. I agree that if one has a mortgage serviced through ASC, it's a risky credit situation to begin with. We were NEVER late with our first home's mortgage, so wanted to stay on track with this one, too. As far as many of the previous statements are concerned, I don't know how you can't get in touch with anyone at ASC. If a payment is received just a day late (even though they should have had it registered already), THEY call YOU. Are you avoiding your calls? That's one of the worst things you could do. Stay on top of everything. Answer the phone, log each call with time/date/CSR's name, keep records!

by kathleen mcneil From Brockton, MA on August 22, 2008

by jennifer simpson From Toledo, OH on August 21, 2008

Seem as if they don't want to help, eventhough more for them to foreclose. Different reps say different missleading things; payment plans are not plans at all.

by David Pena From San Jacinto, CA on August 21, 2008

So far they are working ASC is working with me. Also I had Very Good credit before I started to work at my company right now

by Anonymous From Dos Palos, CA on August 21, 2008

by Anonymous From Bridgeport, CT on August 21, 2008

by sam spade From Hagerstown, MD on August 21, 2008

once again, people whining about ASC yet they prove they know nothing about the company. Accusing ASC of inflating an appraisal for your refinance proves you're just uneducated and a high credit risk. ASC is a servicer of loans; not an originator. Therefore, they didn't refinance you. You needed money out of your home because you've overextended your unsecured debt and now can't pay it back. It seems to be a running theme with you. IF YOUR APPRAISAL WAS OVERINFLATED IT'S BECAUSE YOU ARE ATTEMPTING TO OBTAIN MONEY FROM YOUR HOUSE THAT YOU HAVEN'T INVESTED YET. You can't obtain equity when you didn't put any money down. The housing market is in a downturn. If you were stupid enough to attempt refinancing at this time, you deserve what you got. Maybe you should learn to live within your McDonald's income. TOO ALL OF YOU WHINERS.. YOU ARE BEING SERIVCED BY ASC BECAUSE YOU ARE A SUBPRIME OR NON PRIME BORROWER. YOU HAVE HORRIBLE CREDIT AND HAVE DEFAULTED ON YOUR OBLIGATIONS IN THE PAST. Why do you think any lender should have to suffer because you can't grow up and do the right thing??

by david klaas From Chicago, IL on August 20, 2008

by david klaas From Chicago, IL on August 20, 2008

by Anonymous From Hampton, VA on August 20, 2008

by dennis atherton From Kittanning, PA on August 19, 2008

very rude people...treat you like garbage.....get a different answer evr time you talk to someone different

by Anonymous From Brandon, MS on August 19, 2008

by venetia carter From Rockmart, GA on August 18, 2008

by Anonymous From Bradshaw, NE on August 17, 2008

by cheryl martin From Surprise, AZ on August 16, 2008

worst company I have ever dealt with.

by ken/julie gilliam From Levittown, PA on August 15, 2008

AMERICAS SERVICING COMPANY IS A BUNCH OF CROOKS. WE WERE SOLD TO THEM BY OPTION ONE WHO WERE ALSO CROOKS. WE REFINANCED TO GET SOME CASH OUT TO PAY DEBT THEY GAVE US A HUGELY INFLATED APPRAISAL. WE NOW OWE LESS THAN A YEAR AFTER REFINANCING NEARLY 19000 DOLLARS MORE THAN OUR PROPERTY IS WORTH. WE KNOW THIS BECAUSE THE FHA DID AN APPRAISSAL LESS THAN ONE MONTH AGO AND IT CAME BACK ALMOST 19000 LESS THAN WHAT WE OWE. THE FHA REPRESENTATIVE STATED THAT OUR HOME EVEN A YEAR AGO WOULD HAVE NOT APPRAISSED THAT HIGH. WE KNOW THE MARKET IS WEAK, BUT ACCORDING TO AREA REALATORS OUR VALUE WOULD IN KNOW WAY DROP THAT MUCH. WE WERE TOLD THAT ASC INFLATED THE APPRAISAL TO GET THE BEST POSSIBLE SCENARIO FOR THEM.THEY ARE LIARS AND CROOKS AND IF AND WHEN MY HOUSE GOES INTO FORECLOSURE LETS JUST SEE WHAT THEY SELL FOR. TO ANY AND ALL READING THIS IF YOU ARE IN THE MARKET FOR A HOME OR TO REFINANCE MAKE SURE TO GET AN INDEPENDANT APPRAISSAL SO YOU GET A SOMEWHAT HONEST OPINION AND CHECK AREA HOME SALES THAT CAN GIVE YOU A ROUGH ESTIMATE OF YOR APPROXIMATE VALUE. JUST STAY AWAY FROM AMERICAS SERVICING COMPANY THAY ARE DISHONEST AND THEY ARE THIEVES.

by Elly Peirson From Littleton, CO on August 14, 2008

by Anonymous From Dallas, TX on August 13, 2008

by Anonymous From Franklin, TN on August 12, 2008

by L McGee From Charlotte, NC on August 12, 2008

I love ASC, the overtime is plentiful, my bonus checks are huge when we hit our collection goals, wells Fargo Is great. I your home is in foreclosure its probably because you cant afford to pay your mortgage anymore.

by John Wilson From Milwaukee, WI on August 11, 2008

To date, they have been patient. I am behind and that's my fault, not the mortgage company's.

by Debra Lynn Atnip From Lodi, CA on August 11, 2008

My husand has refinaced with ASC an has nothing but problems since and they have sold our house gave us no notice at all about it. Then 3 days ago their was a notice taped to our house that said we have 3 days to quit, and atteched to it was a 30 day notice for us to be out of our home. To get all our thind an leave. What fuck! Can they do that ? WE need a lawert fast to please help us. We are not in the wrong they are.I have my mother inlaw and her other son that has down sym. 47 year old she is 84, then my husband an me. They have taken half of his retirement to save home. but some how they are going to take our home. Bullshit, How can they do this ? ANd they are going to come to our door in two weeks or so and tell us to walk out of our own home. and then they will change the locks to keep us out. What are we going to do? Live on the streets ? we need HELP GOD please someone Help us. WE just got married less then 2 years ago. We were not in the wrong with ASC, they are wrong. how cxn this happen ? what do we do ? I am flipping out to where I cant breatrh . well Im breathing but it fills like I cant get any air in. Some please HELP. call me at 209 712-6854. I need a lawer. God please someonre come tell us what to do or know a lawer to help now. we dont have any time. God please someonr help us. this is not right. please cvall or write me debraatnip@excite.com or 209 712-6854. this is LODI CA. 95240. PLEASE HELP. PLEASE THANK U DEBBIE ATNIP

by lajosha haynes From Jacksonville, FL on August 08, 2008

by Arthur Berger From Lilburn, GA on August 06, 2008

THIS COMPANY ASC IS HORRIBLE. TALKING ABOUT RIPPING OFF CUSTOMERS! They are the worst company we have ever tried to deal with. We get the run around from them every time we call. We beg them to return our calls but they never do.No employee seems to know what is going on and can never explain what they are doing on their accounts. I can't tell you had horrible we have been treated!!!

by Demetria Howard From Houston, TX on August 05, 2008

by Judith Velazquez From Bridgeport, CT on August 05, 2008

they really want me to loose the house..Well now I don't want it...Tehy can keep it...

by soon shin From Mercer Island, WA on August 01, 2008

by anonymous From Hagerstown, MD on July 31, 2008

There are several factual errors in AFS' evaluation of ASC. First, there is no one person assigned to any loan until it is approved for a repayment plan or loan modification with the loss mitigation department. There is also no requirement that the debtor has to have an open account for at least a year before someone will work with them. ASC is not a lender, so therefore, they did not set your interst rate nor can they change it. ASC does not refinance loans either. If you were stupid enough to sign an Adjustable Mortgage Rate note, you will have to hope some other lender will take another chance on you considering you have already defaulted on the loan you have. Most of these complaints state they had "good credit" before ASC; let me assure you, they did not. ASC is a servicer of sub prime and non prime mortgages. That means the average credit score of these debtors is between the mid 500s to low 600s. This is considered POOR CREDIT. Also, no lender or mortgage servicer is required to provide any type of retention plans. You signed a contract stating you would pay back funds you were given to purchase a piece of property. If you default on that obligation, that property can be taken from you. ASC is not your mother and does not have to "help you out". This is where the real problem is. If you really read these complaints, you can tell these are uneducated people who think everyone owes them something and if something goes wrong, it's also someone else's fault. If your loan is past due and ASC helps you with a forbearance agreement, why do you think it shouldn't be reported to the credit agencies? First there is the Fair Credit Reporting Act which states that a creditor MUST accurately report the status of the loan. It doesn't matter that you might be making payments on the agreement, you're still behind in your payments and it has to be reported that way. Maybe if you could manage your money better and understood what an obligation is, you wouldn't be having any problems making your mortgage payment. Again, if you're loan is being serviced by ASC it's because you are a BAD CREDIT RISK and have proven you do not know how to live on a budget or to prioritize your mortgage payment as being the first thing paid each month. Oh, and one last thing. There is NO GRACE PERIOD IN A MORTGAGE PAYMENT. Your payments are due on the first of the month and are considered in default on the second of the month. You assess a late fee after 15 days but this isn't a grace period. In fact, read your Note. The late fee assessment is explained under the paragraph entitled "Failure to Pay as Required". Stop whining people and grow up. If you can't afford your mortgage, sell your house, work two jobs, do whatever you have to do to keep your home. But stop blaming the servicing company for your problems. TAKE SOME RESPONSIBILITY.

by Anonymous From Shirley, NY on July 30, 2008

by Dustin From Canton, GA on July 29, 2008

ASC Paid our homeowners to a company that only insures homes in a state across the country. So I am left for 7 months waiting on my check to come back from ASC because they paid MY money to the wrong company, and they claim that they cannot pay with out being reimbursed in the first place. In the meantime, I have since had to pay my insurance company directly. Totally ridiculous.

by not happy From Stephens City, VA on July 28, 2008

got behind on our payments due to deaths in the family and not working. asc said we could make the payment up by adding to our regular payment and they would not reflect on our credit. we are in the process of refinancing because our interest rate keeps going up, and found out that they reported us 30 days late each month for the past 6 months. also, cant get in touch with anyone. not a good company and will never do business with them again.

by Kimberly kekahuna From Wailuku, HI on July 28, 2008

We have repeatedly tried to contact them in good faith and tried to resolve the situation in making sure we can make the payments and they never return any calls. We always have to call 3-5 times daily just to get them on the phone. TERRIBLE COMPANY, STAY AWAY FROM THEM, OUR MORTGAGE WAS SOLD TO THEM FROM GMAC AND WE REGRET EVERY MOMENT OF IT.

by albert Jonston From Santee, CA on July 27, 2008

by albert Jonston From Santee, CA on July 27, 2008

by Lauren Baker From Lucedale, MS on July 25, 2008

I haven't had any problems even though I am behind on my payments. They have always worked with me in the past and I just filed for a modification today. We will see. I am a little scared that they are just telling me what I want to hear and then bam!

by Kelly From West Kingston, RI on July 23, 2008

Maria, SOME of them can be very nice but the fact is behind those nice voices nothing is getting done, I put in for a modification in March just got a letter dated July 11, the auction was to take place in 7/22 and it said I had 10 days to file for an extention, the post office was holding our mail becasuse of the foreclosue and didnt get the letter till the 19th faxed over all the documents they required with in the 10 day period and they still sold my house... but they were very nice about it!

by al tedesco From Newtown Square, PA on July 22, 2008

by Anonymous From Rowland Heights, CA on July 22, 2008

There is never anyone there to respond to any calls or do they ever return phone calls. It is has been 8 months and still have never been able to talk to anyone about our account.

by kenneth marshall From Memphis, TN on July 22, 2008

by Anonymous From Clermont, FL on July 22, 2008

by Maria Maniotis From Skokie, IL on July 21, 2008

They have been absolutely positive and extremely helpful to try to work something out and avoid the property from going to judicial sale. I just wish things could be moved along a bit quicker because of the time limits we have.

by 2008 From Great Falls, SC on July 21, 2008

ASC is very rude,won't work with people,are not trueful,We are in foreclosure,Hope something can be about this company and wellsfargo also.Count my husband and i in on the class action suit.Sincerely Edward an Brenda Thomas.{Bunnyfluff@truvista.net}

by Diane Chavez From Belen, NM on July 20, 2008

by Anonymous From Surprise, AZ on July 18, 2008

Very unprofessional and VERY difficult to get any honest information from them. Wish we didn't have to deal with them.

by Tamara Perez From Fresno, CA on July 17, 2008

They are jokes every time. CSR are usually rude and belittle us. They also never reflect the actual loan activity. They never even had a website till just recently and when ever I ask to speak to a manager I get the run around.. Joke

by chaniell thomas From Moreno Valley, CA on July 16, 2008

They dont keep n contact with youand they dont return phone calls at all

by Anonymous From Lakeport, CA on July 16, 2008

The customer service guy lied to me. I was out of town and the money for the mortgage got put into the wrong account. The cs guy said that they would tap the account again to get the money and all would be ok- and they didn't and it wasn't.

by Anonymous From Eden Prairie, MN on July 14, 2008

by Starr Lumos From Saint Clair, MO on July 14, 2008

by Melenie Phillips From Brooklyn, CT on July 14, 2008

by santos aleman From Poughkeepsie, NY on July 13, 2008

they are awful. they do not listen to you and messed up a refinance that i had and returned the money to the refiance company after they held onto it for over 6 weeks.

by Bonnie Barnes From Jamaica, NY on July 13, 2008

by Gordon James From Pollock Pines, CA on July 12, 2008

They are generally disagreeable. They charge to make a payment online or by phone. We have had no contact for two months or more.

by Anonymous From Altoona, PA on July 12, 2008

They were to be working with us on 2 consecutive month late payments from May and June and seeing if I qaulified for a "forgiveness program" to lump late payments into the payoff amount of my home. Instead they send foreclosure notice without contacting me to resolve the situation!

by Anonymous From Ellsworth, ME on July 11, 2008

We have tried for over a year to work something out with ASC. They are not cooperative at all with anyone trying to be proactive.

by Yemane Gedde From Stockton, CA on July 11, 2008

by John Brewer From Blum, TX on July 10, 2008

They do not work with anyone. We were escrowed with NO escrow account.Now we are in foreclosure. We are appealing and fighting, anyone else FIGHT too..

by Tara Bethel From Fall River Mills, CA on July 09, 2008

by Anonymous From Standish, ME on July 09, 2008

by connie barrett From Santa Clarita, CA on July 08, 2008

by Julia Jenkins From Valrico, FL on July 07, 2008

ASC is awful and they will not work with you and would rather fore close on the home. I would think if you are trying to keep your home and times are as bad as they are right now they would do what ever it takes.A lower payment is better than nothing at all

by Anonymous From Krebs, OK on July 07, 2008

by Antonio Hernandez Jr. From Laredo, TX on July 07, 2008

They have very bad customer service representatives, and they do not even try to help or listen to you.

by Thomas Hopkins From Napa, CA on July 06, 2008

All the staff I have been speaking with have been very kind and professional and seem to be caring. However, I feel that there must be some kind of assistance that must be available. If I were able to defer a few payments I could get some head way.

by Omayra Santana From New Britain, CT on July 06, 2008

by joseph seavello From Ramona, CA on July 06, 2008

by Mike Dorman From Ridgefield, WA on July 04, 2008

by bridget perkins From Bakersfield, CA on July 03, 2008

by Anonymous From Syracuse, NY on July 03, 2008

have asked for help for over 6 months always get run around always need one more thing never a person you can talk to

by c, a, From Louisville, KY on July 03, 2008

we have been with asc for 10 years. purchased the home for 107, and the balance is now 103! Is that right? doesn't seem right to me???? worst company I have ever delat with!!!!!

by keith carter From Chesapeake, VA on July 02, 2008

by Roger Mastrantonio From Ocala, FL on July 02, 2008

This lender could care less what is happen with the mortgages they have acquired. We will find a way to find out what they have done wrong to get people in over there heads and let them fail. Many of the loans were given fraudjuntly and we will prove it. Them ignoring the fact will certaining not make any of us go away. Some government agencies are helping us. If they do get our home back thru a =n ignored forclosure. They will take a much larger loss than what they possibley would if they would work with us. We are professional people with good credit and should be helped. This may just be a oh well for both of us on this account. This home is a large nut for anyone, it will not be in our basket. Want a good deal appraised at 835000. Currently will take 650000.00 plus costs. Still a very eligant home in Bellechase Sub SE Ocala FL Good Luck Wells Farge, ASC and the one who wrot the mortage for us with false imfo added. Metrocities Mortgage LLC DBAm No Red Tape Mortgage Sherman Oaks CA

by Rizaldy Torres From San Diego, CA on June 30, 2008

by bonnie dantzler From Muskegon, MI on June 28, 2008

by Anonymous From Wilkes Barre, PA on June 27, 2008

my home was also sold to them about a year after we bought it, and four 4 years we have been getting pushed from one person to another. Now we finally lost our home. We are moving on but it will take us years to rebuild.

by Anonymous From Clementon, NJ on June 27, 2008

my loan with asc was sold to ubs on 10/5/2007 noted on my credit report asc continues to report my account open with $7002.00 balance past due, noted ubs is not on my credit report, but since selling to ubs I have sold my home and paid in full.

by Emmanuel Forbes From Buford, GA on June 27, 2008

by michelle collier From Mag