National City Mortgage

by George Velten From Frisco, TX on September 04, 2008

They are trying to help, but they raised our payments and want us to pay $4300 in closing costs to refi our house. We want to get back in good standing with them, but if we had that type of money, we would have never fallen out of good standings.

by Stephen Schimmel From Newport Coast, CA on September 01, 2008

Very hard to communicate with; does not respond in good faith or promptly and is not reasonable in the way they deal with minimal late payments.

by Jeffrey Stiebeling From Barberton, OH on August 21, 2008

by Brian Null From Eleanor, WV on August 14, 2008

by Anonymous From Brentwood, CA on August 07, 2008

We have been working with National City with a Short Sale. All 41 pages of our hardship packet were overnighted to a “Short Sale Specialist”, on April 29th. We gave them 3 years of tax returns, 6 months of bank statements, purchase contract, listing agreement, HUD-1 etc . . . The hardship was based on my Husband’s layoff and subsequent new job with 30% of his prior pay. We got confirmation that all paperwork was complete and would be submitted for review. Even our Realtor got confirmation. Our first lender, Wells Fargo, offered $3,000 for a settlement. NC said they would accept nothing less that 10% of the balance owed, which is $6,800. Our first mortgage lender approved our short sale beginning July and even agreed to the 10% settlement to NC. Upon faxing Wells Fargo’s approval to NC, they informed me that they had no hardship / short sale review with them and they charged off our loan. I re-sent all hardship paperwork and they provided a letter that they would only release the lien if we pay the $6,800 in certified funds and agree to make payment arrangement for the balance. Do they even know what a SHORT SALE is?? The $6,800 is coming from the sale of the home, but, the letter states that the $6,800 must be received before they will release the lien. They are going to kill this deal and our home will go into Foreclosure. They know nothing about the short sale process. They do not even have a loss mitigation department. Come to find out this whole time while working with them, we were only speaking to collectors who misleadingly use other titles such as “Short Sale Specialist”, “Account Specialist, “Loss Mitigation Negotiator” I am so with the former NC bank employee above who said we should get together with a Class Action Lawsuit for their misrepresentation, and lack of compliance with the government’s New Mortgage Rescue Plan. They are part of the cause of the collapse by refusing to work with us !!!!!

by Cher Hire From Allerton, IL on July 31, 2008

National City seemed like a good bank for a first time mortgae. We had a checking account through them and went with a counseler that orks to get people with not the highst credit into a home. I was told our payments would be around 450 a month when I went to sign the loan papers it was 675 a month. no worries I could squeeze that out. However after a few months my daughter developed an overactive immune system and broke out constantly in hives. No daycare would keep her and I kept having to leave work early. They also started a new attendence policy where you get 2 hours of sick time a month but you have to have coverage for the full day you take off our else you loose your job. So basically it was quit or be fired. With gas prices going up and my long commute quitting was the sane option. I then worked twoards opening a home day care. It is now Augast and I have been trying to work with nantional city to get a small repreave on our loan since April. They say they have hardship help yet if you are not making enough money to pay your loan amount you cannot get help. But you need the help when you can not afford to pay. They keep telling me to increase my income and lower my expenses. Well let's see when i don't have internet or cable or any other unecessary expense how can I lower them? I have my license but every one is set for summer daycare. hopefully I get some calls for School time day care. I get the same run around every time i call. I saw a HUD certified credit counseler who told us the game is played by lying on your applications. She stripped everything down and lied about our expenses and then sent it in. That scares me. If they would take partial payments i would be close to paid in full. But it's hard for us to get that much together at one time right now. These people stink and are very lousy to deal with. If your looking at this lender RUN AWAY!!!!!

by eva hill From Rockford, IL on July 24, 2008

by Anonymous From Delaware, OH on July 22, 2008

National City has a great website and good customer service when you are current. We fell behind on payments and no one wanted to really help us. That was tough.

by Anonymous from fl. From Okeechobee, FL on July 22, 2008

Natioal City called me to offer me refinace to catch up my payment no credit check all but a garrentee I fell for and now my house is in foreclosure , if there is any one out there that help withoutcosting me a fortune please let me know

by david sutherland From Ravenna, MI on July 21, 2008

BUYER BEWARE.NATIONL CITY IS THE WORST BANK TO WORK WITH. WE HAD SOME TROULBE AND THEY SAID THAT THEY WOULD HELP US BY CUTTING OUR HOUSE PAYMENT IN HALF THEN THEY TURNED AROUND AND PUT US INTO FORECLOUSER. IF YOU HAVE A CHOICE DO NOT GO WITH NATIONAL CITY.

by Anonymous From Gilbert, MN on July 16, 2008

They have never allowed us to make any type of partial payments on our account. It has always been either pay the full amount or nothing. If we were abe to make payments we wouldn't be in this sitaution now. We were sent foreclosure notices after 2 months behind. They would only except 2 months payment. No less.

by Lawrence Ortega From Santa Fe, NM on July 15, 2008

by GEORGE SUMMERS From Greensboro, NC on July 13, 2008

by Jeffrey Conway From Leominster, MA on July 10, 2008

by Chao yang From Saint Paul, MN on July 08, 2008

by UYEN NGUYEN From Portland, OR on June 26, 2008

I have only 2 month behind of the payment and they already sending me to trustee department and set for the date of for closure.... I call to reinstatement and the fee they charging me close to $5,0000.00 just because I behind 2 month... I do need someone to help me....

by seer1 From Akron, OH on June 23, 2008

I beleive National City is hiring in people to recoup as much money from it's mortgage portfolios that they can recoup before a takeover coming soon. It's all numbers thats why they are hard collecting and litigation.

by Tara B From Anza, CA on June 13, 2008

National City Mortgage needs to be held accountible for what they are doing. They seem to WANT homeowners to forclose! We were never late for over 6 years. Then we had a death in the family, had to take custody of a minor child and related legal expenses, so for the past year and a half we have struggled. I contacted NCM(national city mortgage) and let them know what was going on. I was paying marches payment in april, april in may....you get the idea. They seemed happy as long as I was making the hefty late payment as well(70 bucks a month!) Well, a few months back, I was late as usual, and the second month was more than 15 days, they slapped a default notice on us. I admit, we were in error being late, but we were in constant contact and letting them know what was going on, when we expect to get caught up ect... Well, I tried to pay the last months payment, they wouldn't take it! They wanted both months or nothing. They suggested I fill out the hardship packet and make arrangesmnts. They told me to hold on to my payment until a decision was made. I waited and waited, no answer from them. I left messages, no answer. Now, because of no answer it lapses into the third month. I call and offer two months payment while they work on the hardship packet. Nope, they wont do it. I keep calling, no answer. Leave messages, nothing. I call and now get a full voice mailbox. Was told by another worker this worker had till the 14th to answer us. Sorry, I am not waiting that long, as if her answer is no, and the 16th rolls around, they could forclose! I borrow money from a family member, call and make WHOLE three months payment, get confirmation number. Done deal, no more worries, right?? WRONG!!! After a week of DAILY checking my bank account and noticing the money hadn't been taken out, and DAILY checking my mortgate statemnet online which was showing my account was credited, I wrongly assumed perhaps they were just waiting for some reason to do the bank transaction. Well, today, still no money withdrawn from my account, and now it shows on my NCM account returned check!! What? I call, and am told it was returned with no explanation why. Now they want to charge me another 189.00 in fees! I am angry, fuming mad, but want this taken care of and agree to pay. My husband in even madder, and calls them and they say I gave the wrong account number. They are reviewing the recording from my call on the 6th to see if it was my error or theirs and if theirs ,they will return the fees. I am NOT holding my breath. First I don't expect they will return my money, and secondly I seriously doubt they will take this payment either. They are claiming I gave them a 4-5 digit bank account #. Why would they even accept that and how could they error as it is the same account I have been paying from for over 6 years! They are intentionally witholding my payment!! They WANT me to be late. It sure feels that way. I have done everything right from the get-go. As I said, I accept responsibilty for my late payement even though it was a result of outside circumstances, I did everything financial counslers, and Dave Ramsey and others suggest when behind. I have communicated, filled out papers, stayed in touch and even made FULL payment, and yet my payment never gets credited. What is going on??

by Mel Ross From Temecula, CA on June 10, 2008

by Anonymous From Largo, FL on June 10, 2008

National City told us 2 years ago when we got our loan that the payments would be 1700.00 month and after we purchased the home and got our payment book the payments were actually 2200.00 month and then in October they raised our payments to 2600.00 month because they didn't calculate the taxes properly they based them on the current owner. We are struggling horribly and the best part is we own a home in another state that won't sell so we have 2 mortgages with NCM and they wont do a thing to help. Phone call after phone call. They basically said we are not a hardship because we both have jobs and the 2 house payments have never been late. THEY WILL NOT HELP YOU NO MATTER WHAT!!!!!

by Carolyn From Andover, MN on June 05, 2008

They are calling and harassing us (at both home and work) when our payments are not late. Yes, NOT YET DUE. Payments are due on the 15th of the month for our home loan, and I am being called on the 2nd or 4th of the month by NCMC Debt Collection office demanding payment.. of a payment they ALREADY HAVE. (They do electronic check processing - I can see the payment has already cleared from my bank account.) I am lodging complaints with my state's AG and the FTC because it can't be legal to call BEFORE PAYMENT IS DUE at my place of business disturbing me during a meeting with colleagues. I regret endlessly that we have ever done business with these people. We are seeking a different lender. I heartily recommend CitiMortgage - they've been wonderful.

by Anonymous From Fort Lauderdale, FL on June 04, 2008

by RENEE SCOTT From Cleveland, OH on June 04, 2008

I FEEL THAT NATIONAL CITY SHOULD BE MORE WILLING TO HELP SOMEONE WHO HAS BECOME ILL AND UNABLE TO MAKE THEIR MORTGAGE PAYMENTS DUE TO THE FACT THAT THEY ARE NOT WORKING BECAUSE OF ILLNESS. THEY SHOULD HAVE MORE UNDERSTANDING AND CONTACT PEOPLE WHO ARE WILLING TO PAY BUT DO NOT HAVE ALL THE MONEY TO GET CURRENT. THEY SHOULD HAVE A WORKOUT PLAN FOR THE PEOPLE WHO HAVE SERIOUS ILLNESS. ALSO BE WILLING TO TALK TO PEOPLE ABOUT THEIR MORTGAGES AND WHAT THEY CAN DO TO GET CURRENT.

by Dawn Leonard From Rochester, NH on June 03, 2008

by Anonymous From Fairborn, OH on June 03, 2008

As a former negotiator in the Loss Mitigation Dept I can tell you our supervisors really never cared to get our customer truly taken care of. They were always about the numbers. They would rather the negotiators reviewed a package poorly but fast, as opposed to taking your time to make sure our customers received a fair evaluation and a quality remedy. We didn't return phone calls, because too many people would call in and the managers didn't really care unless a customer actually elevated the call to a senior manager. National City preferred to forward accounts to foreclosure as quickly as possible because in the long run they wanted you the customer out of the Loss Mit Dept arena and unto somebody else's plate. Trust me when I tell you there was a reason so many things (payments, packages, letters, pay stubs, etc) were lost and calls were not returned. The managers and supervisors knew that when people called in to say a payment was made but not properly recorded or a call was made by the customer but never returned by NCM, or dicumentation submitted but claimed never received by NCM, that the customer was usually telling the truth but they didn't care. I know I was one of the people you would call for help until my health failed and I was forced to leave. There isn't a day that doesn't go by when I don't worry about the many customers who did the right thing who will never the less lose their homes. The only thing I am always amazed about is that you the borrowers haven't come together and challenged National City Mortgage in court under a class action suit. God Bless you all, as long as you remain National City customers you will need God's blessings.

by jennifer tubbs From Boise, ID on June 02, 2008

by Anonymous From Kokomo, IN on May 19, 2008

I feel the foreclosure proceedings were performed way too quickly for only a couple of months behind. As far as I know, the payment track record prior to the last few months has been impeccable.

by Julie Sutlive From Tybee Island, GA on May 16, 2008

by JOHNEDA MONEE IVORY From Denver, CO on May 14, 2008

I THINK THIS IS UNFAIR AND WOULD LIKE FOR SOMEONE WITH JUST A LITTLE COMPASSION AND UNDERSTANDING FOR THE WHOLE STORY TO GIVE ME CHANCE TO MEET THE MODIFICATION APPROVAL. Around the 1st of March I had conversations with a wonderful lady in your Loss Mitigation area who offered me a modification work out and indicated to me that I would receive this information in writing from the Attorney , at that time expressed the importance of receiving this information in writing because I would be obtain a HARD MONEY LOAN and the want complete disclosure of the facts. (and are still willing to lend the money) On March 15th or so I complete the intent to cure, while still awaiting the modification information I just wanted to be sure that I didn't miss any dates. In April I was informed after contacting NCM that the sale had taken place and that I had defaulted on the modification that never received I was outraged, there was on way I would have let my entire life fall to the waste side for less that $15,000. I got further confused when I contact NCM and was told that my loan was already in the REO Department and was provided a phone number, after a day or so I got a call from a lady that to me that I needed to contact FANNIE MAE directly and provided me with DO numbers for all my loans and a phone number to Fannie Mae , as you can imagine this turned into a roller coaster rider, finally after a few day I spoke with a person who LISTEN to my complete story and knew what to do and who to contact in the REO Department at NCM (MIKE, who was been wonderful) Mike I explained the information I had gotten previously and Mike ask if he could call me back later once the source of misinformation was worked out. He called me back and directly me to Mr. Gordon, I had made several attempts to reach Mr. Gordon but he was busy, one the the customer service reps in that department Mrs. Greene took a moment to LISTEN to my story, she sent a e-mail to Mr. Gordon and he respond by requesting a new workout package on all loan, I tough that it was possible that we were all working on the same page now.... But I was wrong ....when I contacted NCM within the next two days (allowing time for my workout package to be reviewed) I was informed that the proceeding where still in foreclosure ??? I was pissed I requested to speak with a supervisor, I told the supervisor what the issue was and that I never received that figures in writing from the Attorney and that there was NO WAY I WOULD HAVE RISK LOSING 3 PROPERTIES FOR LESS THAN $15,000 IN DEFAULT. She told me that see need to look into the matter and would call me back. She called me back at my home #(not the number I gave her) and left a message for me to call her back "No Details" there is a 2 hour difference from the to here in Colorado, so I called her back 1st thing the next morning and got v/m , waited about an hour or so and called back and refused to go to v/m. The supervisor questions as to why I did not call back many more times to assure that the modifications figures were sent out , I explained that I was unsure as to the time line or of the procedures, in short I trusted that I was successful with my request for modification and that it could be maybe 7-10 days to receive via mail. The supervisor informed me that it was too late and now my only chance to save what I have worked my entire life for was at basically gone. I THINK THIS IS UNFAIR AND WOULD LIKE FOR SOMEONE WITH JUST A LITTLE COMPASSION AND UNDERSTANDING FOR THE WHOLE STORY TO GIVE ME CHANCE TO MEET THE MODIFICATION APPROVAL. I have been though every web site for HARD MONEY LENDERS that lend in COLORADO and most of then really don't have any money to lend they are lined up to place bids and acquired my properties. I have talked to every one I could and I not getting anywhere. This is not fair please see that, I would think that a company the size of NCM there has to be more that one way to skin a cat. You can call me at 720-363-0190 and leave a detailed message or e-mail me at jaymoneeivory@msn.com

by Anonymous From Mooresville, NC on May 12, 2008

by JUDY POPIELARZ From King William, VA on May 08, 2008

by Employee From Enon, OH on April 29, 2008

It's funny to read these comments, because the fact of the matter is everyone here is upset they were denied hardship assistance. The real truth is not everyone will qualify. There are calculations taken into account that complete a total assessment of all of your financial assets and liability. If you can't afford the home; help won't be granted. That's common sense. If you can prove through income verification you can afford it, help will be granted. In reference to repayment plans: this option is only offered when your financials indicate it's affordable. This calculation actual accounts for an additional amount of money in your pocket after making the repayment plan payment. If you feel you can't afford the repayment plan payment, why did you accept it? You really need to be honest. And further more, if you can't afford it - why? What expenses aren't you disclosing to your negotiator? Your ability to qualify is only as good as the information you provide the lender.

by Anonymous From Chillicothe, IL on April 29, 2008

by Anonymous From Carbon Cliff, IL on April 26, 2008

when trying to work several times with bank negotiator, Thea Dodge, from national city. I was very offended, when asking questions. like i was supposed to know her job! I want to compromise but she can't return phone calls.

by Anonymous From Springfield, IL on April 24, 2008

i wish i nver whent with national city

by heather harroff From Elkhart, IN on April 24, 2008

by Beth Middaugh From Leslie, MI on April 16, 2008

National City Mortgage Co. is the absolute worst group of people to try to deal with. They send out this beautiful little brochure telling you they understand unexpected, unforeseen things can happen, loss of job, divorce, illness, etc., and that they are here to help. To the contrary, they are the most rude, unworkable, and unprofessional group of people I have ever dealt with. I have been fighting with these people since 2006. I went through a divorce and was left with the marital home. I chose to try to keep it because of my young son. Soon I realized there was no way I could afford the home on a single income. So, because their beautiful brochure said to contact then in the event something happens that you are struggling with payments, I did. And it has been the most hellish nightmare ever since. I asked if they could do a remodification so that I could afford the monthly payments and be able to keep my home. They told me that because I had a deficit income, they couldn't help. I guess I just don't understand that concept. I don't have any other debt, I have a good job and HAD good credit. But nope, no help. Now, two years later after struggling, going into more debt trying to make my payments while trying to sell the home, I am at a loss and am faced with foreclosure. I again filled out a hardship assistance packet asking if they would negotiate a Deed in Lieu of Foreclosure, I was denied again. They call all the time, are rude, harassing, it's just been a horrible nightmare. I felt like I was trying so hard to keep my home and, as others have stated, they wanted me to fail. Why, with so many people going into foreclosure, would they want yet one more foreclosure added to the list? Unbelievable.

by andrea holmes From Ladson, SC on April 14, 2008

by Anonymous From Great Lakes, IL on April 12, 2008

by marcia hildreth From Oklahoma City, OK on April 11, 2008

by Anonymous From Ripon, WI on April 08, 2008

by Yvonne Scheiderer From Cincinnati, OH on April 08, 2008

by Josephine Pinder From Darby, PA on April 06, 2008

by paul From Costa Mesa, CA on April 03, 2008

I have a construction loan with them & they arbitrarily decided that they were not going to keep funding the house since we all know the florida market is bad. They would rather cut their losses up front & have default loan for $100k & not $300k. Well, I have great credit, never miss payments but now they are calling the note & forcing me to come up with cash I dont have. I made a bad decision investing in Florida, but unfortunately was willing to make good on my end of the deal. Now I am faced with either foreclosure or bankruptcy. Thanks NCM, your company motto is exactly opposite of what you promise. I worked 10 hard years to get great credit & just started to build a nest egg & you guys have backed me into a corner & left me with no other alternatives. No one wants to buy your company b/c you preyed upon the subprime loans & when things got bad, you turned your cheek on the borrower who needs you now more than ever.

by Anonymous From Sandwich, MA on March 17, 2008

Company is Bogus seven days late on equity loan because i was out of the country and they terminated my loan. the minimum due was 13 dollars. Company is a joke

by gary dunlap From Hubbard Lake, MI on March 16, 2008

by Tim Black From Atwater, OH on March 11, 2008

I am currently having the same problems. My wife and I were out of work for 2 months (keep in mind we were never late on a payment and have perfect credit) They began foreclosure on us and even after we have both gotten few jobs making what we were before, they still will not work with us. They dont return phone calls and are far less than compassionate. I did learn that if you call 1800-367-9305 and insist on speaking with a supervisor, you will eventually get to talk with a human. Dont take no for an answer, they say that you dont need to worry and they will be in contact with you, but every day that goes by they are charging you legal fees for the foreclosure process. One person told me that I would have to wait because my house isn't a priority yet because it's not sceduled for auction for another month! I said"What the Crap are you talking about" They wont let me make a payment or work things out but they still are sceduling an auction? She then told me that they were understaffd and needed to hire more help, like thats my fault? Just be persistent with them. Call everyday until tnhey will listen to you.

by Anonymous From Chicago, IL on March 08, 2008

They had been patient at first but when I told them that I stopped working because my 18 mo daughter needed home health care for a month and I wanted to be home with her. The first thing they said was, " So when can you get another job!"

by Tracy Potter From Springfield, IL on March 03, 2008

by Kathy Holmes From Clovis, NM on March 01, 2008

by Tracy Jerome From Allen Park, MI on February 29, 2008

by Frederick Griest From Ellwood City, PA on February 28, 2008

to tell me 3 weeks later after i get the 3000 that the offer is no longer good, is sad, why people want to take homes from families is beyond me.

by Robin From Galloway, OH on February 20, 2008

Why would a bank as large as National City want to increase the abandoned homes in the US? We were able to make a payment & promise of of 2 more in 2 weeks to catch up & the next thing I knew we had a foreclosure packet with an astronomical amount due to reinstate the loan. Why???? Citi mortgage has been wonderful to deal with. Honest, accommodating & fair.

by chelle From Brentwood, CA on February 11, 2008

We had the same issues with the bank. We once caught up once with them and we fell behind again due to medical issues . Now they will not work with us and you can't get answers or help. We had to choose to pay for medical over our house because my son needed heart surgery and my husband has had several surgery's. Now 6 mos later, they offer a Forbearance and in 3 to 4 months the house will go on the market. They said they would re-evaluate our income situation if I make the next 4 payments, but they can take my money and the house in 4months? I'm not sure I trust them. Has anyone else done a Forbearance with them? I'm so frustrated

by William Fisk From Yorktown, IN on February 04, 2008

by Anonymous From Taylor, MI on January 23, 2008

by Anonymous From Santa Ana, CA on January 18, 2008

We were pre-approved for a first time home buyer loan and was told are payment for a thirty year loan would only be $410 a month. Yeah right!!! After everything was all said and done and we signed papers on our house, we were told are payments had jumped to $585.00. Then i got hurt at work, and got behind on my payments, they offered me a re-payment plan to save my house but the monthly payments are going to go up an extra $200.00 so how do they figure they are helping me save my house. This is are first time attempt in owning our own home and National City hasn't done a whole lot to make it a pleasant experience!

by Anonymous From Milford, OH on November 16, 2007

I just wish you would work with us. I am disabled and am able to pay but not 2100. My house payment was 1500 and got behind because of brain surgery. They want 2100 for 2 years. Go figure.

by InACorner From Cape Coral, FL on September 29, 2007

National City is the worst Co. we have ever dealt with. They have forced us to take legal action. They are now violating state laws by harassing us on a daily basis with phone calls. It's never the same person that calls. We've started asking for their names and am keeping a log. We may not just have a bankruptcy case as our only case with our this terrible company. We tried working with them for months with a short sale offer. We submitted over 30 personal documents they requested. They lied about receiving them, yet we received confirmation that the faxes went through. They have lied to us on many different occasions. They were told we were advised by our attorney to no longer talk to them and they are to contact him. But they continue with the harassing and threatening calls. Their reps are un-businesslike and ignorant. My guess is they may have a GED at most!!!

by ananymous From Costa Mesa, CA on September 20, 2007

Never dealt with a company who refers you to another NC employee and you end up where you started and get even more frustrated. never worked with a company that didn't know what way was up. I would never recommend anyone doing business with them, I've had it

by BoLi From Cape Coral, FL on September 10, 2007

National City Stinks! They are rude and definitely predatory on decent people!

by Anonymous From Grove City, OH on August 25, 2007

National City Mortgage WANTS your house! They say they don't want it, but it they WILL NOT work with you! If you have an FHA insured loan they are required to accept partial payments, yet they refuse. They will not modify your loan, but will do a re-payment play which brings your payments up hundreds, which makes no sense in todays economy. People are getting behind because their payments are already to high, and they want to raise them more!! Great practices National City. Way to go! I am having their practices investigated, by government agencies as well as the attorney general. We bought a $140,000 home, making less than $40,000 a year and were easily approved. Now they are concerned with our income saying they can not help us because we don't make enough..What the hell! They take my house, they better be ready to stand in court for the next couple years!

by david hampton From Okeechobee, FL on August 09, 2007

after reading the comments there is nothing more I can say...they have done the same thing to me...I tried to work out but they refused to help me in ANY way...they want you to fail...they want your house and that is just wrong...if I can get back on track I will say goodbye to National Crappy Mortgage

by Jorge Dambakli From Hollywood, FL on August 02, 2007

I had an agreement with counsel department and tell told me I can bring current my account no more than July 31, but I got the money in July 22 and I call them to make the payment, but they told me that my house is in the foreclosure department. they trying to take my house just for 1.400 $, which I already paid.

by Anonymous From Austin, TX on July 22, 2007

I have a construction loan with National City Mortgage. The original builder left the project. National City would not accept my new builder, and decided to place my loan in default for lack of construction activity.

by Paulette Evans From New Bedford, MA on July 09, 2007

National City Mortgage refuses to take partial payments.In today's economy that's a very bad practice.

by james young From Austin, TX on July 09, 2007

in mid of a construction loan... my builder walked off. I have sent National City Mortgage my new builder info for 90 days. no one there answers. last week; they sent me a DEFAULT notice because, get this---they say no work has been done for 90 days! I could scream. I have emailed;called and now filed complaints w/ my attorney general. I have a new lender ready to buy the note; but can't get anyone w/ authority at NCM on the phone! oh---NCM funded the fraudulent builder more than the draw budget allowed; and they take no responsibility.

by Anonymous From Springfield, OH on May 16, 2007

National City does seem to be a good company until you start to fall behind. They aren't willing to work with anyone to bring them payments current. When our house was just put into foreclosure, we were able to get over half of what their attorney told us we needed but when National City received the payment they sent it back to us saying that they couldn't accept a personal check (even though we have never bounced a check with them) and it wasn't for the full amount. My letter explained that we were more that willing to work out a repayment plan but I guess they need to drain the life out of anyone who is having problems and can't double their payments to catch up! At least when you get money from a loan shark, they let you know what you're getting into before you sign on the dotted line! I won't recommend NCM to anyone.

by Rebecca Kelly From Vida, OR on May 02, 2007

National City Mortgage set me up for failure and I don't appreciate it at all. I'm totally disabled becoming sick last Jan. That cut our income in half so I got behind on the house payment. I had asked this company before, twice a week at the least to work with a forbearance for us or a loan modification. After waiting six months I got the call this morning. They say all they can do is a repayment plan of 1350 dollars a month. My payment is normally 800 a month. I asked if I could make some form of payment with them while going through this process. Now they are saying that the house was not reaffirmed, what ever that means. I told them every call that I wanted to keep my house and National City Mortgage reassured me that I wouldn't, they could do a loan modification. They went as far as re-opening my bankruptcy. Then they let it go on for over six months stating it took that long to process the paperwork. BS They keep it open so they could set it up for them to get my house!!! Is this how they treat disabled people?? Why can't they do a loan modification?????????? I'd like to speak with someone from your office so as they can explain it to me. They kept it going just long enough, now two totally disabled people, myself and my son. SO why?????? Please call me or email me which ever you care to do. Matt Kick is the person that was working on my file. Why was I lied too??? I want this fixed ASAP, if not then I will be standing outside with a picket sign so other people don't get screwed like you have done us. Copy this to Peter Defazio's and one to Vicki Walker. I would like an explanation of why they do this to disabled people or the aged, or whomever..541-896-3446

by Michael Rawls From Indianapolis, IN on May 01, 2007

I submitted a total of three(3) hardship packets, and I was rejected by National City Mortgage for a partial Claim, and a forbearance type of payment arrangements.

by Anonymous From Southaven, MS on April 22, 2007

National City Mortgage will not return any phone call

by time for help From Colona, IL on April 20, 2007

National City Mortgage is fair,but when you fall behind they don't take a partial payment.i do agree that this is a bad policy.

by Anonymous From Trenton, NJ on March 25, 2007

Good Company No partial payments is a bad policy.