Taylor Bean & Whitaker

by Anonymous From Clifton, CO on July 03, 2009

by Paul From Cedar Grove, TN on July 01, 2009

Made offer on house June 13 and closed June 30. On July 1, TB&W stated they could not wire the funds until after July 13. Now all stakeholders are at a loss.

by Anonymous From Huntington, TX on June 30, 2009

by Anonymous From Sardis, GA on June 30, 2009

by Anonymous From Phoenix, AZ on June 29, 2009

This company is completely unethical! I have fallen behind due to working for a state that mandated furloughs (unpaid leave) in February. I completed all of the necessary hardship paperwork and sent it to TBW in May and have had no response. Every time you call "Customer Service," you are on hold for at least an hour. You usually speak to someone rude (I got Ingrid -total jerk) who is not helpful. My most recent complaint pertains to a payment. I made a payment by phone with Sparta Servicing, a third party company TBW hired to handle payments. Sparta staff has been awesome, by the way. I made a payment on June 4th and received a confirmation number. I was told my payment would go through in 24-48 hours. After one week, it still had not processed. I called Sparta and was told they were told the day before by TBW that they would not accept phone payments from anyone who was one month or more late on their mortgage (did any of you know that)? I was told I had to make my payment by cashier's check and that the phone payment would not and could not be processed. I sent the cashier's check via Fed Ex. Two weeks later, TBW decided to put through the phone payment! My bank account was overdrawn by $900, including $350 in overdraft fees (I had made several purchases/paid bills, thinking I had the money and not thinking TBW would process the phone payment). Thankfully, my bank realized this was fraud (that is what they called it) and refunded the money to my account. Trying to get help from TBW is futile! They sent me an e-mail response to my complaint and said I would have to access their response by going to my account and clicking on "Statements," which I did. It then told me my password needed to be changed so I changed it. It then said that my account was not recognized. If this weren't pertaining to me and my life, it would be comical. DO NOT DO BUSINESS WITH TAYLOR, BEAN and Whitaker! EVER!

by Dave From Charlestown, MA on June 26, 2009

Worst company EVER! They insisted that they didn't have a copy of my homeowners policy after I faxed it to them three times! Then placed their own policy on my mortgage. When I called to demand my money back, still insisted they didn't have a copy of my policy but if I fax it to them they can refund the money. I faxed SEVERAL more times and still have yet to get the money back. This has been almost two years!! Unbelievable.

by Mike From Gallipolis Ferry, WV on June 25, 2009

What are they doing with all the properties in foreclosure?

by bob allen From Des Moines, IA on June 25, 2009

omg you people who say this is a good company are liars! believe the hundreds who write about not being able to reach anybody to help you, and how they won't even take payments when you are behind, they just want to foreclose on you!

by christopher doyle, Santa fe NM From Santa Fe, NM on June 25, 2009

Enter at your own risk...The only way they are given high ratings is A. they sleep together. B. and/or their family C.they are just plain rotten

by Anonymous From New River, AZ on June 25, 2009

TBW just settled with 14 states investigating their lending practices for loans issued in 2006. CEO, Farkas has the gall to state they did nothing wrong and can't keep tabs on 14,000 brokers. They have agreed to initiate loan modifications for eligible homeowners under Making Home Affordable Program. States they will contact you if you are eligible. I wouldn't count on it. For more info see Patrick Administration Announces Multi-State Agreement with Taylor, Bean & Whitaker Mortgage Corp. Good luck!

by Cynthia Gause From Clinton, MD on June 25, 2009

Only because of the wait time on the phone. More than an hour.

by No Surprise From Ocala, FL on June 24, 2009

I am not surprised by all of this. The only comments on here that are good consist of "1" lined comments. So are these employees of the company just trying to put some good comments so it doesn't look so bad. I am familar with this company and also the area and this company is run off the good ole boy system. To become an employee you must know someone and that someone has to like you if they don't forget it you will never get your foot in the door. Problem here is that your employees are not hired due to experiance but do to who you know. So is it really surprising to see the type of service you are getting. I know some people that work in the Ocala office (THE GLOBAL HEADQUARTERS) and they are as FAKE as the company. Good luck to all of you who are stuck with thier mortgages, your going to need it.

by Robin From Sandy, UT on June 24, 2009

I am living most of the complaints already mentioned by others. TB&W is terrible to work with. They have led me along telling me they would work with me after I was 90 days behind. I was not behind on my mortgage when they told me this. I followed what they told me to do. Their loan modification is now a monthly increase of $200 per month because of missed payments. I am not asking TB&W to lower what I owe. I have only asked them to work with me and my situation for one year. They said they could not modify my loan because they were only the servicer of the loan and not the beneficiary. That I was told for six months only to have confirmed from their foreclosure attorney that they are indeed the beneficiary and not the servicer. If they thought they were only the servicer why did they tell me to get behind? The many hours on hold week after week only to never get anywhere with them and now face foreclosure. For those of you who were told to do one thing by TB&W only then to have TB&W use what they told you to do against you is called DETRIMENTAL RELIANCE. You relied on them in good faith only now to your detriment. What we all need to do is be complaining to our stat Attorney General and to the media. If you are able, get an attorney. Let's file a class action suit. Who will join me? My attorney is ready to go.

by Paul From Lakeland, FL on June 23, 2009

TBW gets caught http://www.banking.state.pa.us/banking/lib/banking/consumer_information/2009_enforcement_actions/tbw_final_settlement.pdf

by David From Niceville, FL on June 23, 2009

TBW settles for $9 Million wioth 14 states http://www.wxii12.com/money/19828719/detail.html

by Jon Drury From Sterling Heights, MI on June 23, 2009

I know first hand how lousy Taylor, Bean, and Whitaker are as a mortgage servicer. I am a loan officer and unfortunately did business with them for a few years. Regretfully most of my clients are friends and family, and when a company such as Taylor, Bean, and Whitaker service their loans unprofessionaly and illegaly as they have it makes me look and feel horrible. I decided a couple of years ago to never send another loan to this company once I discovered first hand how they treat their customers. It's actually sad that our government after all the trouble with mortage banks would still allow this company to operate. T,B&W blows!!!!

by Keith From Phoenix, AZ on June 19, 2009

I am current on my loan. I applied for Refi. My application was received and process in April. No call backs. I called and have been put on perpetual hold. I have spoke to reps but they have been no help. My application is still sitting in limbo somewhere. P.S. I have a job and all of my bills are current. You would think that they would want a good loan on their books.

by Anonymous From Trafford, AL on June 19, 2009

by Richard Wiley From Brunswick, ME on June 16, 2009

I have been trying to reach customer service at TB&W for weeks now, they never answer the phone. I gave up trying to call them and sent them an e-mail, again no response. I filled out an assistance form that I printed off their web site and filled it out and sent it in, again no response. I sent a letter along with my payment last month begging someone to get in contact with me, again no response. I tried calling again and asked for another hardship assistance form. (Not from a live person of course) I filled the form out again and sent it in, again no response. Has anyone thought of contacting the show " 60 Minutes".

by Paul From Saint Petersburg, FL on June 12, 2009

by Anonymous From Fort Myers, FL on June 12, 2009

by Maureen Patterson From Pickerington, OH on June 11, 2009

This company is absolutely horrific. There isn't any "customer service". That department is simply a group of very young girls who are trained to move you to collections. We have had our loan for our new home since September 2008. They were incapable of processing a direct payment from our new checking account because it was a transfer from our old account in our former town - any other mortgage company would not find this too difficult. We have set up autodraw on line, over the phone, by fax, etc. They still cannot process it. WE have had a collector come to our door with the wrong account number. We have had a collections agent accidentally set up TWO accounts under our name in trying to help us make a payment and now we are told that there is nothing they can do about it. The wait time to speak to anyone is always an hour at the minimum. I can only pray that this company goes out of business. They have no right to be a part of the mortgage industry. I am wanting to organize a listing of disgruntled customers to present to my Congressman because I am furious with the fact that this company is ruining peoples credit rating due to their ineptitude. Anyone who would like to add their name to a growing list is welcome to contact me at gmpatterson@insight.rr.com

by Anonymous From Suffolk, VA on June 11, 2009

I have been trying to refinance with TBW for 3 months now (my original loan is with them) and the interest rate has risen so now it is useless. I have been in processing for 2.5 months. You can't talk to anyone or get anyone on the phone. Do not deal with this company.

by Marty From Saint Clair Shores, MI on June 10, 2009

This company is a joke. TB&W mortgages are backed by Freddie Mac so if you want to take advantage of the Obama Home Affordability Plan, you have to do it through you current mortgage holder. I filled out all the paperwork on line, by phone and still no reply. After 2 months I still can not speak to a single living person. If I hear that stupid Saxophone music again I am going to jump off a cliff. 4 hours on hold today and still no answer. And by the way, after every hour the phone will ring and you will think your finally connected but it just re-loops to the previous recording and the whole process starts over.

by anonymous from MA From Middleboro, MA on June 10, 2009

This company is awful. As you can see there are numerous complaints about them. I have been trying for 4 months now to have someone return my call. I have been on hold for over an hour a few times. Then they end up giving me another telphone number to call and no one answers.... If anyone out there has a Freddie Mac or Fannie May Loan contact them to file a complaint. The Freddie Mac's telephone # is 1-800-373-3343. They already have complaints in their database - so why not add some more. Also try calling the AG's Office. The people on here who wrote good things probably work there. It is nice to see that I'm not alone with the aggrevating process of trying to just refiance.- Keep up the good work with your PATIENCE...

by Anonymous From Augusta, GA on June 07, 2009

They will not call me back, accept my payments or help me in anyway. I did everything required by them, and still have not heard anything...

by Sandy From Tampa, FL on June 07, 2009

LOL. Taylor Bean and Whitaker started this post for public relations...looked how it turned. You theives are DONE! Email ALL Your local governement agency for mortage and insurance fraud for this nasty aweful company.

by Drew From Houston, TX on June 05, 2009

Glad to know that I'm not alone. While my story is not as bad as others (my heart goes out to you!), I still can't believe what a crappy customer service job TBW does. I have tried their phone maze to no avail, because I need them to co-sign on an insurance check that was made out to myself and TBW!! The only hope I have of getting the check signed is to visit one of their offices which is quite a ways from my home. Fun times!! If you need my support on anything, especially those of you who are in extremely difficult situations, please count me in for support!

by Anonymous From Gainesville, GA on June 04, 2009

We did a loan modification at the end of last year due to salary cuts that caused us to run a month behind. I called TBW and asked for help and they told me we could do the loan modification and that my loan would start over jan and so we did it. Well six months later after making all my payments we got a notice from another company to refinance and we decided to do it so we could lower our monthly payment. We got all our paperwork done paid for an appraisal and sent it to underwriting only to find out that after six months TBW still had not correctly updated our account and was showing us a month behind. After three days and emails messages and hours on hold, I was finally told that they were still working on updating and that I couldn't refinance and they couldn't give me my principal payoff and that it still would be a few weeks. My question to them was how could it take six to seven months to update an account and yet I still have not got any answers. So as it stands right now my refinance sits in the hands of TBW and I have spent money that I did not have on an appraisal that I don't know if I will be able to use. Does anyone have any suggestions on what to do? Or isn't there some time frame that they have to give you payoff when requested???

by Luke From Saint Paul, MN on June 03, 2009

This company tops the list of the worst companies I have dealt with. My wife and I have had our mortgage with TBW for about 7 months now and it has been a nightmare when it comes to paying the loan. The majority of the time, the website doesn't work- as in the username and passwords no longer working. After sitting on hold for over 30 minutes I am finally able to get to a supervisor who tells me that I should just mail a check- I told her that I either wanted to pay online or over the phone. I would then be charged $18 for paying over the phone- which I told her was crap because if the website is down, the fee should be waived- OR- they should not offer the webpay as an option. I told her about the long wait times (like she didn't know) and she said that if it weren't for people like me, the phone lines wouldn't be jammed-....I can pay online (NOT) or with a check (true, but this is the 21st century). I was also told that the website and phone help would not be getting any better (I.E. don't expect jack from Customer Service). All that was a couple months ago. This month a tried again to pay online- website didn't work even after creating a new account. I called customer disservice again and of course sat on hold- and was informed that "the webpay option is a 'priviledge' and a 'courtesy' for customers." SO, basically if it doesn't work - it isn't TBW's fault - it is our fault for trying to use it. I am sick of this company- this is my first mortgage and I never realized what a hassle this would be. Now, all I want to do is refinance with another company. DON'T EVER USE THIS COMPANY.

by Anonymous From Blue Springs, MO on June 01, 2009

by Anonymous From Gulfport, MS on June 01, 2009

This company's idea of customer service is wonderful smiles and sunshine when taking your business but upturn noses and smelly backsides once they have you locked into a loan. Totally impossible to talk to anyone in any department other than the general customer service number for which there is a 45 to 75 minute wait time. If you decide to hold that long, you are then told they can't help you and refer you to another dept that doesn't help you at all or will NOT return messages (left approximate 20-25 and NONE RETURNED!) Go to Italian mob loan sharks before doing business with Taylor Bean and Whitaker!!!!!!!!! At least the mob will get in contact with you.

by Susan From Seffner, FL on June 01, 2009

OMG! I am hold for the second time today. I have spent most of today on hold. I just want to make a payment!!!!!!!!!!!!

by Anonymous From Brooklyn, NY on June 01, 2009

by Anonymous From Banner, KY on June 01, 2009

by Anonymous From Plant City, FL on June 01, 2009

by Anthony Calarco From Palm Coast, FL on June 01, 2009

by Anonymous From Magazine, AR on May 31, 2009

We have not received a bill since we bought our home. They don't want to discuss it. You can never get through to customer service; I have about 5 hours of being on hold on my phone bill. When you can get someone, they tell you they are calling to help, and when you try to get it straightened out they don't want to discuss it.

by Andrew Mcpherson From Cuba, MO on May 28, 2009

by Anthony Hannah From Covington, GA on May 24, 2009

Me and my wife has faxed papers to taylor,bean & whitaker trying to obtain a modification they act as if they did not receive anything. Telephone calls seem impossible. That company needs to be investigated. If anyone has started a class action law suit against them contact me please at www.anthonyhannah@rocketmail.com.

by Randy Bell From Bailey, NC on May 22, 2009

by Anonymous From Plant City, FL on May 20, 2009

by Anonymous From Fort Walton Beach, FL on May 20, 2009

I have been trying to buy a house in foreclosure for over 18 months. The house has been abandoned by the owners 4 years ago. To do a short sale, TBW wants the owners who abandoned the house to submit hardship letter, financial statements and basically reapply for the loan, so that TBW will "consider" a short sale. Mr Rito in loss mitigation must be lost.

by anonymous from Calimesa, CA From Calimesa, CA on May 19, 2009

this mortgage company sucks!!! my husband is self employed and we recently defaulted on payments due to business being slow. they did not want to help us save our home at all. i made several attemtps and they would not budge. there customer service sucks. you cannot get through to anyone!!!

by Anonymous From Lone Tree, CO on May 19, 2009

This company has absolutely the worst customer service I have evern experienced. I am not in trouble on default but have been trying to contact them sicne December to refinance. Phone lines are either busy, voice mail full or you are placed on eternal hold. There are no responses to email. Even the phone line which directs your to their rep for your area is full. This has gone on for 5 months. My patience is gone with them and they have lost another customer.

by Don Reed From Kingman, AZ on May 18, 2009

All the complaints from clients and "class action" lawsuits against Taylor Bean & Whitaker.."There is a clue something stinks in Florida!".."Oh yes it is those lying, no good, rotten, worthless, yellow bellied cowards, such as Lee Farkas; his suck asses Ray Bowman & Craig Weitzel, etc. etc. suck ass employees.. Not to mention they are "parasites" BUT the great news is, "without a doubt TBW is going down!!"..So all of you (suck asses) devoted employees of TBW that phases your company, just remember this.."Life Isn't Like A Box Of Chocolates..More Like A Jar Of Jalapanos..What You Do Today, Could Burn Your Ass Tomorrow!!!".. :o)~~

by Anonymous From Chestnut Hill, MA on May 15, 2009

These people are horrible. I wish there could be a class action lawsuit against them. They have the worst customer service organization I have ever dealt with, and are impossible to reach on their phone. Check out their website, it is an example of a user HOSTILE website, I can not find a way to make my payment online. They do everything possible to CAUSE late payment. Avoid the TBW scam at all cost. Caveat Emptor. Mortagee BEWARE! Does anyone in customer service at TBW have any interest in making this right. I agree with the minority person who liked TBW.

by Anonymous From Lafayette, IN on May 14, 2009

Lost my job and ended up having to do a deed in lieu on a VA backed loan. When I was called about a job interview the rep said they would need to do a credit check. Goverment contract job. No more than 5,000.00 debt. I said no problem my credit is good. Wrong, TB&W reported on my credit reports 10,000.00 plus debt. The deed in lieu clearly states that all debts are cancelled after the house goes back. I called three times and yes waited for ever to talk to someone and they told me they are reporting it correctly. I am now in the process of contacting the credit companies to dispute the reports. This is, I can't believe I found one worse than Verizon, the WORST company I have had the displeasure of dealing with. I hope that they are put out of business. They cost me a job through their actions and don't try to call anyone in that department. They told me they don't have a phone! What #$%^! If someone goes off the deep end and does something real bad it would not shock me. They should not be in business

by R & C From Freeport, PA on May 11, 2009

TBW is the worst mortgage company EVER! My husband was self-employed when we bought our home and our mortgage was previously through a finance company at a much higher rate. TBW solicited US, not the other way around, and offered a much lower interest rate. BUT, they have the worst customer service EVER (45-75 minutes on hold? INSANE!) and what company is unwilling to work with people who have been laid off and want to 'redistribute" one payment across the next few to stay caught up? Who turns that down? I have contacted an attorney about my issue with them, and what I have now learned are apparently TBW's predatory lending practices (apparently they are very good at giving loans to people knowing they cannot afford them to begin with?). Even my attorney can't believe they won't rework one late payment. I just feel really bad for the people who they scammed and are in even worse shape then we are! At least we can recoup from it, but I am certain others cannot. THEY SUCK! By the way, if anyone posting the positive comments really thinks the rest -I mean, "majority" - of us believe it, you must be working "undercover" for TBW or living a fantasy.

by Don & Wanda Reed From Kingman, AZ on May 11, 2009

Good People A Must Read Http://www.Google.com/search?sourceid=navclient&gfns=1&i.e.=UTF-8&rls=GFRD,GFRD:2009-12,GFRD:en&q=Obama+orders+congressional+investigation+into+Taylor+bean+%26+whitaker

by Rebecca Garcia From Rio Rancho, NM on May 08, 2009

by Heather From Seymour, IN on May 06, 2009

We are trying to assemble a master list of those affected by TB&W and willing to fight back in a lawsuit. Please visit http://ataylorbeanwhitakernightmare.aimoo.com

by Don & Wanda Reed From Kingman, AZ on May 04, 2009

Government Cracking Down On Mortgage Scams.. http://news.yahoo.com/s/ap/20090406/ap_on_bi_ge/housing_scams

by Tammy Karzun From Chesapeake, VA on May 04, 2009

We have been treated extremely unfair and we believe we might have a case of fraud against TB&W and we need help because we are facing an eviction court date of May 18, 2009.

by Anonymous From Exeter, NH on May 02, 2009

Here is our story with TBW. http://www.foxnews.com/story/0,2933,518649,00.html Fight them if they are jerking you around. You can make them bend if you do it with some force.

by Don Reed From Kingman, AZ on May 01, 2009

To Stephanie Smith..In your reply about TBW with a good repore; while as your negative reply as to the complaints/blogs you have read.."Well news flash, I can tell you for a fact, that TBW has many class action law suits pending from their clients they "frauded" in one way or another..The ones that are doing the truthful complaints against TBW..There are thousands and thousands TBW has "frauded".."That is a fact!!"..So consider yourself lucky TBW did you and a few other clients right, but those of "US" TBW frauded out way you.."We all can't be wrong, now can we?"..Also there wouldn't be lawsuits pending against TBW if they were kosher, not to mention TBW has already been going to court, plus will face a "Congressional Investigation/Panel".."Hmmm, so maybe next time when you read so many complaints, "there should be a clue something smells rotten".."Oh yeah it is the lowlife, greedy, lieing, no good rotten thieving cowards at TBW!!".."Did I mention they are also "parasites?".."TBW is going down; that is a "bonified fact!!"..

by Josh Maye From Tinley Park, IL on May 01, 2009

I hope they get whats coming to them. Nothin but scam artists

by Ricardo Perazza From Duluth, GA on May 01, 2009

by Stephanie Smith From Largo, FL on May 01, 2009

TB&W is an amazing company. Maybe they need help with there Customer Service. . . . But, let's be honest EVERY company out there is always trying to improve there customer service. For those of you that are familiar with what is going on in the mortgage industry right now would agree that TB&W is doing all they can to help home owners. TB&W is a solid company who not only have a thriving business in this tough economy let alone Mortgage Industry but they also do a lot for the community with the TB&W Foundation. I suggest that every person who made a comment on this page becomes more educated about this company prior to making comments like what I’ve seen.

by Anonymous From Colorado Springs, CO on April 29, 2009

by Anonymous From Tempe, AZ on April 28, 2009

Just refinanced with another lender and am so glad to be rid of them. Had problems with insurance (including the threat by them to take out their policy) and screwing up my property tax payments on time (they have two months in AZ).

by Grant Guensler From Rocklin, CA on April 28, 2009

Copy of what I sent to them. They are a horrible company To whoever gives a darn? I have had one of the worst experiences lately with your mortgage company. My wife made a mistake on the payment of our loan. Your internet web site has been very hard to log on to and so she decided to pay thru the email you send out. She scheduled a payment for May 1st she thought and when she clicked send in posted immediately. Every other online payment we pay we can schedule the date for the funds to be withdrawn. She realized her mistake, but could not rectify it online so she sent you and email immediately. With no response we both spent over 6 hours trying to call you with no avail. Busy every time. When she did finally get thru your operator said sorry nothing can be done. My wife and I work really hard to make our payments on time every month. Your response to our needs has been totally unacceptable. It is obvious that if you are a good customer you could care less about us. The stress you put on my family is huge and the fact that your company could care less irritates me deeply. Now you are going to draw money out of an account before our pay day and it will affect our very good credit. This is just another reason that mortgage companies see us as bank accounts instead of people. I had hoped that we could rectify this situation, but I have yet to get any satisfaction from you. Maybe we should stop being good customers then maybe you will care about it. Shame on you and your company. Your customer service is deplorable and I will let every person I know hear about it. We are teachers and work very hard to make ends meet no thanks to you.

by HeatherP From Seymour, IN on April 27, 2009

I have put together a forum for those of us that are sick and tired of T,B&W and want to be a part of a Class Action Lawsuit that is now in the works. Please come on by and sign up...strength is in numbers and T,B&W will be made to pay in the end. You are more than welcome to email me at thenoobster@ymail.com before joining if you have any questions. Forum address is http://sickoftbw.freeforums.org/

by JJ From Hudson, MA on April 27, 2009

I've attempted to contact them countless times over the past few months on a variety of issues. The most recent issue was accessing messages in my online account. I repeat to them that I am unable to access said messages, and they reply back that they've posted a new response to my account. After screenshots, web browser changes...everything else that shouldn't be an issue...they still fire back with the same canned response. This is not only the worst mortgage company I've ever had the displeasure of dealing with, they're actually the worst company I've ever dealt with period. I can't wait to see these jerks burn.

by Anonymous From Morris, IL on April 27, 2009

I had the worst possible service from TBW! For the 2 years before we refinanced with another company, getting my taxes paid was always difficult and required numerous phone calls (with at least an hour on hold each time). Sinc the loan was retired (paid off) 14 months ago, I was surprised to get a notice that I was in the Grace Period before forclosure proceedings would be instituted. Amazing on a loan that has been paid off for that amount of time! When I finally got through to a person (2-1/2 hours later on the phone), it was laughted off as "another error". I'll be watching my credit rating carefully after this experience!

by Anonymous From Bethlehem, GA on April 24, 2009

by Noobster From Seymour, IN on April 23, 2009

If you are either considering or already involved with a Class Action Lawsuit against Taylor, Bean & Whitaker could you please contact me at thenoobster@ymail.com. Even if you just have a horror story about them to share. Thanks.....Noobster

by Anonymous From Orlando, FL on April 23, 2009

I see I am not the only one with TBW

by Anonymous From Clearwater, FL on April 23, 2009

by Anonymous From Buford, GA on April 23, 2009

They should be in bankruptcy

by Anonymous From Chicago, IL on April 23, 2009

Worst customer service

by Anonymous From Magna, UT on April 23, 2009

We have been with TBW for 3 years. We have never been late on a payment until the past 6 months. Even then it was never more than 30 days until this month. Things got tough last fall and I tried to nip it in the bud by contacting them and being honest and proactive. They had me fill out a bunch of financial info and submit it and then supposedly never actually received the paperwork. I have a copy of the fax report that says the transmission was successful. I am on hold right now, trying to make a payment. I call usually monthly and have for the past 6 months and I hold for an average of 2 hours. I get hung up on. Their website wont let me access my account when I have had the same login info for 3 years. I just want to pay my mortgage! It shouldnt be this difficult. When I actually get through to someone they are usually nice even though there are obviously some bad apples like in all call centers. My main complaint is the difficulty in actually speaking to another human being. I wont ever willingly deal with this company again. My time is valuable too.

by Mike from Georgia From Snellville, GA on April 22, 2009

Wow!, I feel good after reading your comments. I will contact my Congressman as I will meet him next week.TBW are absolutely the worst lender. I have three other mortgages with other lenders, they are good. As one writer stated, they love email but never a call back. I think they are in trouble, and we all need to find another lender that can jump in.. I have been on time with my mortgage and I am receiving the NO Customer Service. Call you consumer advocate groups, In Atlanta Clark Howard can provide some info. Sump this Lender guys..

by Conor From Bertram, TX on April 22, 2009

I'm enjoying all the coments on this site. Glad to know I'm not the only one having problems. My wife and I have hit a financial brick wall and have gone from from arond 9k a month to about 300 to 500 a month. Needless to say we haven't paid the mortagage in a few months. We filled out paper work for loan modification in Oct. of 08. It is now April 09 and I have heard not a peep from these shisters. So, I'm living on 6 acres in a 2000 sqft house rent free. Last week we got a letter that said they didn't have paperwork for insurance so they bought a policy for 4k just for fire protection. We have had coverage since we moved in, it covered everything, flood, fire, personal belongings, if someone fell and broke their neck on our property they would be covered and it only cost us 1200a year. To me it is all laughable. We recived a letter in Dec. threatening forclosure but it was from our original mortagage company so now I wonder who actually owns the property. I guess I do, Posetion is nine thenths of the law. Not that law means anything to these scumbags. I also really enjoyed the few snippets thrown in (I'm sure by TB&W CEO) about how great they are to work with and all that rot. My wife is really worried but I say bring it on, who cares that the ship is on fire, it's sinking. Buy the ticket, take the ride. If anyone out there wants to piss some more about these rotten bastards I'd like to hear from you. ckillins@huhges.net *to moderator* feel free to remove my expletives.

by Dag From Austin, TX on April 22, 2009

Having had the dubious pleasure of speaking to TBW personnel on more than one occasion, I have concluded that their company standard for stupidity must be very high. I called Marie Landacre (513-612-4427) repeatedly but she ignores her phone favoring to send e-mails instead. The e-mails are worthless since she simply says that providing information about my mortgage is against company policy. Her solution is for me to start back at square zero and call customer "service." Never ask to speak to a supervisor - that too is against company policy. If there was ever a company that deserved liquidation and all employees placed on permanent welfare, TBW is the one.

by Baronica Killins From Bertram, TX on April 22, 2009

The worst company ever I only wish that we could get away from them..........

by Anonymous From Studio City, CA on April 21, 2009

Guys...lets band together! There is power in numbers!! IAM STARTING A CLASS ACTION LAWSUIT BUT I NEED FOLKS TO COMMIT! lad446@gmail.com. It is time that we the people take it back from the corporations!! In the meantime, send letters to your congressmen, senators, media outlets, the US Dept of Justice that is investigating the company...then send tcopies to TB&W

by Me From Farmington, MO on April 21, 2009

Have tried since last August for a modification, sent me the the paperwork, now 8 months later they state they don't do modifications on fha loans. Hope for Homeowners is worthless....Stephanie is the underwritter that supposedly has so many files hasn't got to mine, since August??? Different answer depending on who answers the phone.

by Anonymous From Fort Walton Beach, FL on April 20, 2009

by wes From Archie, MO on April 18, 2009

Wow, I have yet to get a hold of anyone. I have tried for months. What do I have to do; quit paying? join the club it is!

by Brad From Vallejo, CA on April 17, 2009

2nd posting (important to read first below) Regarding why loan servicing co. like TBW have little interest in modifying loan. Here's an excerpt from a study. Professor White's study found that servicing contracts encourage loan servicing companies to foreclose. “Mortgage servicer compensation (for securitized mortgages) is governed by pooling and servicing agreements (“PSAs”). Servicers receive income from a fixed portion of monthly interest payments actually received, from late fees and other default charges, and from the interest on funds held for investors or escrow.” “On the other hand they typically must advance interest to investors when the borrower doesn't make a payment. They also advance funds to third parties, like lawyers, during the foreclosure process. The servicer recovers its advances only when the borrower eventually brings payments current, or when a foreclosure sale is completed. However, if a delinquent mortgage is modified, the servicer will not recover the advances made to investors on that account until the borrower repays the servicer. This is particularly problematic for the servicer when the advances are deferred in a balloon payment due in thirty years.” So, these contracts misdirect actions toward destructive foreclosures. Dumping more houses on the market then drives down neighborhood market values even further, creating a “death spiral.”

by Anonymous From Hudsonville, MI on April 16, 2009

Has anyone ever closed a short sale with TBW? Seems like we have been waiting forever...4 months to be exact!

by Brad From Vallejo, CA on April 16, 2009

RE the complaints against TBE, here's what you might not know. Like all of you, we got our mortgage with TBW. However, they have since sold it to Freddie Mac. TBW are only servicing our loan. (it took me several demanding letters to get this info as to who actually owns our mgte now.) Point being, TBW has no interest in modfiying your loan. They're after your money, hence their unpleasant demands for payments in arrears, of which they presumably get a commission. Their efforts to thwart modifications is on purpose. Oh, and their customer service people are on commission to, hence their rudeness and agression in retrieving as much money as possible. Just got off the phone asking for my 'negotiator's' direct number. Got bombarded by harassing demands to pay arrears that shock me to the core (which is not easy). Horrible people, horrible situation. As for the Obama bailout, so close yet so far, because you have to get past the servicing company, who have no interest in letting you go until you pay up some dollars! How ironic, giving the last of our cash to an organization who had a hand in the market downfall; To give it up cash in no guarantees thereafter of your loan being modified. Join the class action suit against them. Email this person at lad446@gmail.com

by Doc From Oak Park, MI on April 16, 2009

TBW IS THE WORST COMPANY TO WORK WITH EVEN AFTER THE OBAMA STIMULUS PACKAGE. EVEN THOUGH I QUALIFIED FOR IT, NO ONE WILL CALL ME OR YOU ARE ON THE PHONE FOR HOURS ON HOLD. I AM ABOUT TO LOOSE MY HOME AND THEY DON'T HAVE THE DECENCY TO HELP. THEY WOULD RATHER SEE HOMES SIT VACANT IN A WELL GROOMED NEIGHBORHOOD. WORKING WITH THIS COMPANY, YOU WILL BE HOMELESS!!!

by Anonymous From Oak Park, MI on April 16, 2009

by Brandon Evans From Arlington, TX on April 15, 2009

I have been on a payment restructure since February since I lost my job in September. I then put in a cash-out refinance application on March 3, and have spent the last full month e-mailing and calling the company. When I filed a formal complaint with the BBB, they sent the BBB a letter saying my issue was resolved and that they had talked to me. But the name on the letter wasn't even mine! It was some other person that they are giving the run around to. I am so angry at this company. I have left a voice message for the CEO, Executive Vice President, Director of Default Management, and the Chairman of the Board of Directors, but doubt I will get a call back from any of them. They are rated a top 10 company because of their volume alone. If their consumer's viewpoints were considered, they would be very low on the totem pole. I hate this company, but cannot refinance anywhere else because my credit has been shot. It's like a loveless marriage.

by Gina from Miami From Miami, FL on April 14, 2009

I am glad to see I am not the only one. Please do not do business with this bank.

by Concerned Client From Belleville, IL on April 13, 2009

I just do not understand why TB&W do not allow you to defer one loan payment if you are behind one month. You might not want to go through the hassle of loan modification or streamline refinancing just for one payment. I know of other companies that will allow their clients to defer. Do anyone know if this is something TB&W will look into. I do agree about being on hold for more than 1 hour to speak with a representative. I think because TB&W originally started out with commercial loans, than once they started giving loans to residential services that they did not gear their customer service up to handle this types of customers.

by Anonymous From Studio City, CA on April 12, 2009

I too have had the same appalling service with Taylor Bean and Whitaker! I am trying to refinance my mortgage (and for all of you who keep saying responsibility and accountability, guess what, THIS IS! ) But try calling the 800 number they give you. I try it at least three times a week since my first hardship letter and supporting documents in December. In all that time I have only ONCE gotten a representative on the phone. Otherwise I am on hold for at least 1 hour and fifteen minutes. But try saying you want a new mortgage…they will pick up in five minutes. I actually have a case worker assigned to my case. I asked for her direct number and was told that they couldn’t give it to me. So how exactly am I supposed to fix the situation if I cannot speak to anyone or am not given the number of the person to speak with. Since I have seen so many of the same complaints, I am starting a class action lawsuit! If you are interested please email me at lad446@gmail.com. It is time we come together and put a stop to these kind of predatory practices. In the meantime, I suggest you all write your congressman, and send letters to every media outlet you know as I am. The more documentation you have, the better!

by Gwendolyn Davis-Webb From Lakeland, FL on April 11, 2009

It appears they really don't want to see you keep your home. Even after losing a job, husband in the hospital and out of work for two months, then finding a job and husband back to work, and means to make the mortagage payment again, TBW are unwilling to assist. Very cold and heartless company.

by Anonymous From Saint Joseph, MI on April 10, 2009

The most horrible bank I have ever delt with. They sent other's mortgage paperwork to my house and mine to them. Waiting for customer service for 45 minutes, etc. Where do I stop with the poor quality complaints!!!

by Nick From Phoenix, AZ on April 08, 2009

For those who have said "I can't find an email for them" ...here: http://www.taylorbean.com/ContactUs.aspx or the direct email is: info@taylorbean.com My issues with them are: 1) you call and are on hold FOREVER ...so maybe email is a better way. 2) They have been sending me letters that I need send them proof of Fire Insurance. Really ...after 2½ years now they need this. They never got this from the Title company which has copies of all that stuff from the H.O.A/Property Management? So they want to add $1,443.93 a year to my Escrow Account and I assume that will be divided by 12 months and added into my Monthly payment, making it even higher? For a One Bedroom/One Bath 625 sq ft Condo? My Homeowners Insurance Alone is only $300 a year to cover it on this unit. Whatever ...what a bunch of crap. Anyway I really don't like this company as far as Customer Service goes. I've got a few other minor gripes about them but they're so petty I won't bother mentioning them, especially when my point of posting this was to put Taylor Bean's email for anyone who might find it useful.

by Anonymous From Spartanburg, SC on April 07, 2009

by Anonymous From Spartanburg, SC on April 07, 2009

We have been with TBW since Nov 2005. Right after we bought our house, my husband lost his job. We were able to keep up with our mortgage but not our other bills and in Feb 2007 we had to file for Chapter 11. when we filed, our attorney told us not to pay our mortgage until bankruptcy was confirmed. This put us 2 months behind on our mortgage. In Jan. 2008 our mortgage went up from 7.5% to 10.5%. We were never notified. In fact, we called them in Dec and January and they said that they had no record of our mortgage going up. In June 2008 our mortgage went down to 9.25%. Again we were never notified. We called and were that is was not scheduled to change. Then we decide to refi. We got our payoff statement and we owed 4,000 more than we purchased the house for. the principal had been paid down by 5,000 but the had added 9,000 in interest and penalties to our payoff. When we called them, they said that the 2 months we were behind (that was rolled into bankruptcy) was accruing interest and late fees. Was told by an attorney this is illegal but that is will cost us thousands to fight it and we don't have the money. Our house has been on the market for 2 years with one offer that was 14,000 less than the total payoff but only 5,000 less than the principal due and the bankruptcy specialist at TBW told us that they would not accept a short sale. My husband told him that we had to move out of town for work and could not afford two house payments. My husband told them we would have to give the house up. The TBW rep told us "you want be the first and you want be the last". Where do we go. We have had to stop paying our mortgage because we can't afford two house payments (we are renting a house in our new town). TBW is the worst. They commit illegal acts counting on the fact that their clients cannot find or afford an attorney that can take them on when they have attorneys around the clock working for them. (I know this for a fact as I have spoken to the law firm they have on retainer in our state). Any good class action suits and my husband and I are on board.

by Anonymous From Spartanburg, SC on April 07, 2009

We have been with TBW since Nov 2005. Right after we bought our house, my husband lost his job. We were able to keep up with our mortgage but not our other bills and in Feb 2007 we had to file for Chapter 11. when we filed, our attorney told us not to pay our mortgage until bankruptcy was confirmed. This put us 2 months behind on our mortgage. In Jan. 2008 our mortgage went up from 7.5% to 10.5%. We were never notified. In fact, we called them in Dec and January and they said that they had no record of our mortgage going up. In June 2008 our mortgage went down to 9.25%. Again we were never notified. We called and were that is was not scheduled to change. Then we decide to refi. We got our payoff statement and we owed 4,000 more than we purchased the house for. the principal had been paid down by 5,000 but the had added 9,000 in interest and penalties to our payoff. When we called them, they said that the 2 months we were behind (that was rolled into bankruptcy) was accruing interest and late fees. Was told by an attorney this is illegal but that is will cost us thousands to fight it and we don't have the money. Our house has been on the market for 2 years with one offer that was 14,000 less than the total payoff but only 5,000 less than the principal due and the bankruptcy specialist at TBW told us that they would not accept a short sale. My husband told him that we had to move out of town for work and could not afford two house payments. My husband told them we would have to give the house up. The TBW rep told us "you want be the first and you want be the last". Where do we go. We have had to stop paying our mortgage because we can't afford two house payments (we are renting a house in our new town). TBW is the worst. They commit illegal acts counting on the fact that their clients cannot find or afford an attorney that can take them on when they have attorneys around the clock working for them. (I know this for a fact as I have spoken to the law firm they have on retainer in our state). Any good class action suits and my husband and I are on board.

by Anonymous From Kismet, KS on April 02, 2009

We are trying to buy a home and our broker ended up giving TBW as our lender. We have been trying to close but no can do dealing with underwritters, and this and that! After reading comments I am shaking in my boots about going with this bank!!!!! I am now wondering if we should pull and go else where!!! TBW seems to be messing with people lives, and thats not fair!!!!

by Misty From Tucson, AZ on March 30, 2009

So, I just spent 45 minutes waiting on the phone to speak with a rep in regards to being behind a month on my payments, she was extremely rude to me. I have already submitted all my paperwork for a loan modification and no one will return my calls. The rep hung up on me after I asked who was I suppose to follow up with. I am now back on hold..... This is the 5th call I have made to them trying to see if they can help me. I am going through a hardship and was told to contact my mortgage company for help but I have yet to have anyone actually Help me??? Is calling them my only option? I thought laws were passed that required the mortgage companies to help those who are in jeopardy of forclosure.... I have beena month behing since March of 2008 and because I am in Arizona, my house is worth 75% of what I bought it for.... who can help me since TB&W isn't?

by Anonymous From Boise, ID on March 30, 2009

Unbelievable customer service. Trying to sell my home as short sale. Excellent offer, etc. Service said about 18 weeks wait for an answer. Who in their right mind is going to wait 5 months for an answer. What is wrong with these yo-yo's. Looks like foreclosure is the only way. Blah!

by Don & Wanda From Golden Valley, AZ on March 29, 2009

Received notice today that there is going to be a Congressional Investigation into Taylor, Bean & Whitaker for conducting business illegally and shut them down..President Obama released $900 million dollars (stimulous plan) for them to restructor and make good on loans that were bad..TBW has also been reported to the State Representative, Inspector General and etc. etc. agencies..If you as thousands of other TBW clients have fell victim of 'fraud' to them, weather be 'illegally foreclosing, tax, insurance, mortgage fraud, etc.' contact: U.S. Dept of Justice Investigations Division 950 Pennsylvania Ave. NW Washington, DC 20530 Voice mail # 202-514-3435 202-616-4633 202-616-4760 Fraud Dept 202-353-2975 fax 202-305-8447 Miami Fl office 954-370-8300 fax 954-577-1867 Inspector General Washington DC fax hot line 202-616-9881 President Obama..www.whitehouse.gov

by Don & Wanda Reed From Kingman, AZ on March 26, 2009

Nathan From Ocala, Florida.."Thanks for the great laugh!"..Sounds like someone either pissed on your "cornflakes" or you got a hold of some "bad drugs".."Poor baby!"..Now listen up..You are entitled to your opinion, "BUT" until you know "your asshole from a hole in the ground with all the complaints against TBW, then one would suggest you shut the hell up.."There are thousands of clients that TBW has "frauded" either through insurance, tax, mortgage, etc. fraud!!".."That is a bonified fact!"..Just because you have had good repore with them (clap clap for you) doesn't mean we all can be wrong, and lawsuits pending against TBW..You are probably an employee of TBW in Ocala, Florida.."If so, enjoy your paycheck while you can, because once TBW has to pay out to "frauded clients and attorneys" I do believe "cutbacks" or "bankruptcy" will be TBW's alternative..Now take a couple of deep breaths, and remember next time to take your daily meds..Okie Dokie.."Good!"..

by Anonymous From Indianapolis, IN on March 25, 2009

by Nathan From Ocala, FL on March 25, 2009

SURE CALL YOUR ATTORNEYS THEY WILL BE MORE THAN HAPPY TO TAKE YOUR MONEY..YOU ALL COMPLAIN YOU CAN'T MAKE YOUR PAYMENTS AND AUTOMATICALLY YOU BLAIM TBW FOR YOUR PROBLEMS, IF YOU WOULD SPEND MORE TIME WORKING OR TRYING TO FIND A JOB VS BLAMING EVERYONE ELSE FOR YOU PROBLEMS,, MAYBE YOU WOULD GET SOMEWHERE IN LIFE STOP BLAINMING EVERYONE ELSE FOR YOUR PROBLEMS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

by Anonymous From Tempe, AZ on March 23, 2009

I've filed a complaint with the BBB - hopefully that will get some notice/action. I needed to make a principal payment in addition to my monthly payment since I am re-finacing with another company. Was told I could not do this electronically since mortgage payment is automatically paid. Was told to send payment by mail. I called 12 days later to check and was told after spending an hour plus on hold, that my payment would be returned, that they did not process principal payments at the address I was given. Told I could make a payment electronically. Tried, could not and gave up after spending an hour on the phone. I really needed to make a payment to conclude my loan, so I agreed to pay the phone fee. Get a letter and my returned check that day - they now tell me they won't accept the payment because I hadn't paid for the month yet - can't they see it is automatically debited and I still owe a large portion of the principal. Filed a complaint by email to TBW. I get a letter back stating that yes they will accept payments of principal if the account is current, which mine was. Thanks for the additional ammo for my complaint with the BBB.

by Dawn From Chicopee, MA on March 23, 2009

I have nothing new to add to the long list of negatives. Same issues here and I am fed up! For those of you who always get a busy signal when you call, I have another number you can try, still long wait times but it's better than nothing. 1-866-699-2265

by Anonymous From Cave City, KY on March 22, 2009

by Anonymous From Saint Helena Island, SC on March 22, 2009

Problems with TBW's payment of our insurance and tax bills from escrow for the last 3 years. Am paying them an exorbitant amount of money now for them to allow me to pay my own bills directly. I am thinking about looking to refinance. Customer service is non-existent. Too long being on phone hold. No phone calls returned when you leave messages with the Escrow Dept (Ann). Too long in answering emails on line and not very helpful information when you do finally get an answer. I would have lost my job 0f 38 years if I had but once given the poor customer service that I have received from them.

by Anonymous From Avenel, NJ on March 22, 2009

by Diane From Deland, FL on March 21, 2009

Horrible customer service. On hold at least 20 minutes anytime you call. I tried to close my escrow account and they told me I would have to pay 25% fee to close it. I never signed anything in my contract stating that so I think maybe its time to contact my lawyer

by Anonymous From Denver, NC on March 20, 2009

by Anonymous From Niceville, FL on March 19, 2009

by J Cox From Midland, TX on March 18, 2009

Sandy, as requested here is my information regarding TB&W. Our home was purchased in Aug 07. In November, due to a medical reason was told by my physician to resign from my position, dr. order. We got behind and of course our income decreased by 38,000.00 per year. We tried to make payments online after we were three months late and they were blocked. Any other payment was returned. We finally contacted loss mitigation, the only option we had was a repayment plan which began in June with the first payment being 3500.00 and a payment increased from 1700.00 per month to 2537.26 for the next 11 months. We tried to continue, but could not keep up with a doubled payment, with less income, thus were contacted by a Company called USA Mortgage Aid. We ended up paying them 1500.00 to get us a loan modification, which the company would not originally accept prior to USA Mortgage Aid contacting them. We were told by a rep from USA mortgage aid, they could lower our montly payments to 1200.00 per month which we could have afforded. I have contacted TB&W regarding assistance again with the new H4H program which has just been released. They stated they would send us paperwork to give us a two month forebearance, would not accept partial payments, etc. We cannot get any assistance with the new program at this time due to none of our payments we have made posting on our FHA account. They are showing us as 11 months behind, which means none of our payments over the past year have been applied. We cannot find any payments on TB&W's website for our online account as well. We spoke with Roxanne at 352-671-0342 (loss mitigation supervisor) and she stated all of our payments we wired through Western Union as well as bank wires were put in a suspense account and have not been applied to our account. She will be sending us a letter of intent for those monies to be added to our payment history, but cannot give a specific date when that information will be available. I have gone through a wonderful HUD approved counseling service called novadebt, the rep and I sat on hold for over 20 minutes today when calling TB&W and she explained she could not wait for that length of time. Over the past week, I have spent over 8 hours on hold trying to get through to TB&W. All the FHA numbers given today to contact for assistance were recordings stating they are currently training their reps and it might take up to three weeks before anyone can assist the public. As discussed, please feel free to add my information to your list. e-mail: jonicox31@yahoo.com or cell phone: 432-349-3006.

by terry draughn From Harvey, LA on March 18, 2009

by Anonymous From Austin, TX on March 18, 2009

NEVER USE THIS COMPANY. THEY ARE A SCAM. They overpaid on my taxes by over $3000 and even though tax office has returned the money to them they have been sitting on it for months and not refunding it back to me. I am planning to get legal help. They are crooks and cheaters.

by Wanda Reed From Kingman, AZ on March 16, 2009

My self and others are in a law suite with TBW at this time please contact me we need more people. Phone 254-977-4731 They are illegally foreclosing on people. please call ASAP Posted By sandy smith on May 21, 2008 at 12:49 PM Reposted on 3-16-09 sandyssmith123@yahoo.com

by Anonymous From Beaufort, SC on March 15, 2009

TB&W authorized a 1 time payment last March. In April they contacted me saying that they had no documentation of the authorization, and subsequently reported my account to the credit bureau and charged me a $15 late fee. I sent them a copy of the email confirmation authorizing the transaction. They replied that there was nothing they could do about it. They provided no contact person or division that I could appeal to, and their customer service rep just stammered trying to apologize for the inconvenience. I just submitted a complaint to the BBB.

by Jean From Chino Valley, AZ on March 14, 2009

TBW'ers: Go to MERS.com (Mortgage Electronic Registration Service Get your MIN number - an 18 digit number that is attached to your loan for the life of your loan. "MERS" advises that Homeowners negotiate with the Servicer attached to that MIN number NOT the Lender. Our Servicer is NETBANK Corp, Dallas TX.and I'm still looking for them! TBW has yet to disclose what I owe them, who my servicer is and they have not given me a copy of the Note we have with them. (If they only own a part of our loan - they can't foreclose on the whole loan!) I have no access to an attorney, funds have gone for life saving medicals, but if others can get info I can help in other ways i.e. calls, research etc. Obviously we all face a rotten company and the TX Corporate Commission has no record of NETBANK Corp, Dallas - either active or inactive. I just got a Notice of Trustee Sale and I still don't know what amount I owe them! Sale date is June 3! I am now permanently disabled frantic! Mike is right; they are probably at DFW now waiting for a flight to Bahrain! Let's get together on this - I'm a good researcher & will help in any way I can!

by Jean From Chino Valley, AZ on March 14, 2009

Looks like we're in the same boat!We just found out that our "Servicer" NETBANK Dallas,TX is non-existant. I had serious medical problems & fell behind- now because they do not respond with figures we are threatened with foreclosure. I am wheel-chair bound & have special needs & can't live just anyplace.

by Wanda/Sandy From Kingman, AZ on March 13, 2009

Sandy tried to post this copy/paste but she said it wouldn't appear..So I (Wanda) am trying for her.. I need to get this information ot to everyone. Every one who has had a problem with TBW neeed to email the president at president@whitehouse.gov The president has approved TBW to modify peoples loans to stop forecloser TBW will receive a huge sum of money, when they can't even manage what they have now We have to get the true story out about TBW. Also contact Glenn Bec out of New York,, www.glenbeck.com, Also contact Lou Dobbs, Mark Davis, and Rus Limbough I will get emails for them soon. Thank you for your help. I tried to post this info on AFS blog but it would not let me. Thank you for your time and every thing you do Have a Blessed Week end Sandy Smith 254-977-4731

by Home owner From Hope, AR on March 13, 2009

Like many of you I'm sitting here with my cell on speaker phone trying to give these people the money they are owed this month. When are they going to start paying for phone bills from waiting time?? This is ridiculous every month! So I guess I'll continue spending my friday evening listening to this recording over and over maybe today someone will answer the phone!

by Wanda Reed From Kingman, AZ on March 10, 2009

Mike From Grand Prairie, TX on March 03, 2009 "I read your blog, and "cracked up about the part where you said TBW probably took the cash and running to the airport for Rio."LMAO!!!"..Good one Mike..My motto to TBW is: "Life Isn't Like A Box Of Chocolates; More Like A Jar Of Jalapenos..What You Do Today, Could Burn Your A** Tomorrow!!".. :o)

by Anonymous From Pensacola, FL on March 10, 2009

by Anonymous From Saint Petersburg, FL on March 09, 2009

by D Driscoll From Lexington, MA on March 06, 2009

I checked my bank statement early this eve to see that my mortgage deduction (auto pay) had gone from 1611 to 2174 !! I then did some quick digging and found out that this taylor Bean company had bought my mortgage and when I called them ( 30 minutes on hold) the rep told me that I owed this money due to CLOSING costs from Taylor bean and my old mortgage (original lendor) company I can't afford to get an attorney so I did call sandy ( posted above) who was very helpfull but still not sure how I can get this quickly resolved without paying them an extra 600 every month

by Julie From Deridder, LA on March 06, 2009

I too have had problems with TBW. Especially now since I got a delinquent tax notice from my tax collector today saying that $632.06 is due within 20 days (originally due 31 Dec) or my house will be sold. I looked at my mortgage statement and $515.76 was paid by TBW. The tax collector sent the check back because it was not correct (bad on them too!) in January. Now I'm hold with TBW for 26 minutes already! This is not the first problem I've had (my insurance company never got their premium from when I closed on the house!).

by Anonymous From Naperville, IL on March 06, 2009

i have the money to bring my account current but I dont have enough to pay the additional attorney fees.

by Mike From Grand Prairie, TX on March 05, 2009

TAKE A BREATH AND WAIT. This is my 2nd post. My first was a complaint like the others. It hasn't been accepted at the time I write this. I just got off the phone with a TBW rep. The rep, Glen, was very helpful and I got what I wanted corrected. I waited 17 minutes for him at 8:30EST after waiting 65 min at an incorrect CSR number. They absolutely need help over there and at the very least need to post why there is such a long wait, but hang on the phone. They close at 8pm EST. Try calling during the last half hour and hanging on. I'd think they would answer the phones until the calls before 8 were finished. I don't work for TBW and I'm still contacting my attorney, because if I can't reach them when it really counts, how will I prevent a small problem from becoming a huge problem.

by Anonymous From Asheville, NC on March 05, 2009

Very suspicious of any of the positive comments on this site. Why would thses people even look up a site like this if they were positive on the company. Most of their comments are even too hostile to be coming from a legit source. It doesn't make sense if you really think about it. I have been trying to contact them by phone for the last 4 days and have been unsuccessful getting a person to answer. Keep getting into a loop that ends back at the beginning. Today I sat on hold for 1 1/2 hours and finally gave up. AFTER I had this bad experience I looked for feedback on the company and found this website....again only a person with a bad experience would even look for it. Now I am scared to death about my next 30 years dealing with TB&W.

by Wanda Reed From Kingman, AZ on March 04, 2009

To:Anonymous From Atlanta, GA First of all, you are entitled to your opinion and your 4 star rating for TBW, "BUT" also until you know your a** hole from a hole in the ground, "don't go judging/lecturing anyone else; putting blame upon clients of TBW for TBW's irresponsible actions against their clients!"..The complaints against TBW for some form of "fraud" is valid and the truth..Can be backed up by documentation..As one former (high position) employee stated to me via e-mail and I quote: "TBW/Lee Farkas and their management make millions preying off of the public and their clients"..This ex-employee also stated; "That is why the founder/chairman Lee Farkas fired me, because I was doing customers/clients right, and TBW didn't want that"."You haven't walked in "our" shoes..Those that TBW "frauded"..Consider yourself very "lucky" too.."We all can't be wrong about TBW, and sure in the heck won't take responsibility for TBW's irresponsible/illegal actions!!!"..Why do you think there are lawsuits/class actions suits pending against TBW by their own clients?..For the courts to hold TBW responsible for conducting illegal business.."Plain and simple!"..BTW, if you was so sure of yourself, you wouldn't have used an alias name..You would have used your real name..Could it be you work for TBW or just afraid?..Hmmmm maybe both, huh?.."TBW gets a big "0" rating..

by Wanda Reed From Kingman, AZ on March 04, 2009

To:Anonymous From Atlanta, GA First of all you are entitled to your opinion, because "opinions are like a**holes; everyone has them"..Do you really think all the client complaints against TBW, makes "those responsible" for what TBW has subjected them to?.."Absolutely Not!!!"..Do you really think that the majority of clients/complaints against TBW are wrong about their claims?.."Absolutely Not!"..Do you really think that the lawsuits/class actions "pending" against TBW are the clients fault?.."Absolutely Not!".."I can tell you here and now, "our sell contract was sold to TBW" knowing my husband and I purchased a home by "mortgage fraud"..Now you can shake your head and even laugh, but you see TBW isn't laughing, because "we can back up our claim by beyond 100%"..Like one former high position employee stated to me via e-mail, "TBW/Lee Farkas make millions preying off of others; their clients"..This employee also stated that is why he was fired, because we tried to do clients right, while Mr. Farkas and management didn't want that..So again, you are entitled to your opinion, and be thankful TBW hasn't committed illegal activity such as "fraud" against you..Just remember this.."We all can't be wrong about TBW"..Oh, and BTW if you are so sure of yourself, why use an alias name instead of your own name?.."Afraid?"..TBW rates a "0"..

by Anonymous From Cascade, CO on March 04, 2009

Online payments either don't go through or double-charge. Customer Service one-hour or greater holds. Can't get past the front desk, won't let you speak to anyone, won't provide the name of someone to contact.

by Nick Leo, Jr From Northport, AL on March 03, 2009

We never had a problem till a guy would not let me refrase refused to help with my payment and did not provide information that would help me. Now because of his incompetence, my house is in foreclosure. They worked with us in the past, why not now?

by Mike From Grand Prairie, TX on March 03, 2009

Yesterday I contacted my attorney, but I'd be happy to participate in a class-action against Taylor Bean. I take internet complaints with a grain of salt, but there isn't enough salt for Taylor Bean. I refi'd my loan in Dec 08 that was held by Chase.com. There were a few glitches, but now that I'm suffering with Taylor Bean, Chase.com is the pinnacle of money management. My first month with Taylor Bean was difficult, since I tried to pay online, but had technical problems. I tried to call, but just like many people here, the phones were always busy. I got a busy signal, not a wait message during the first two months. I finally thought my payment went through, but when it wasn't pulled from my bank on scheduled, I noticed my account number at Taylor Bean website was truncated. That created an NSF and a charge that included a phone charge. I never heard from these boneheads. I emailed them asking for help, but heard nothing in return. I kept calling, but couldn't get past the busy signals and now the 'all circuits busy' messages. I tried the online payment again. I tried the website again and set the date, but had a problem again. The Taylor Bean system now has locked me out of online payment and they say I'm required to pay by cashier's check or money order for a year. I found their local Florida number that helped me enter into the phone system, but after a 45 min wait I hung up. They say call back later, because of heavy call volume, but they don't state their hours. I might be online for hours just to discovery that everyone at Taylor Bean finally took the cash at is at the airport running for a plan to Rio.

by Anonymous From Atlanta, GA on March 03, 2009

To the borrower that was 1 day late, you cannot be 1 day late and receive a late fee. All mortgage companies have a grace period. So if you received a late fee, then you were 1 day late past the grace period. The GRACE period is not the actual date your payment is due. To borrowers that say that TBW did not respond to your broker in a timely fashion about documents, I hate to break it to you, but your broker should know his/her business and know what documents are needed. Each loan is different, but for the most part, it's the same set of documents over and over. Underwriters review new documents daily so within 24 hours they would have reviewed any documents sent in. Guess what, no documents, no review. To those who are behind on your mortgage, there is a new program out there designed to help you out of a tough spot. You should keep track of the industry and contact a "good" broker about refinancing. Take responsibility for your actions and quit trying to blame the mortgage company. Do you actually think that TBW is attempting to commit fraud against its borrowers? Mortgage Companies make money from business and repeat business, not scamming. When I got my mortgage through TBW, I had no problems whatsoever. Since then, my mortgage was sold. The new company has given me some problems, but if you know your rights and you know what you signed, then you shouldn't have any trouble getting what you need from them.

by Michael Yankelevich From Columbus, OH on March 03, 2009

Taylor Bean is absolute disaster to anyone who got their mortgage sold to them. One hour holds when trying to get to their customer service lines, lying and incompetent service reps, inferior online access system that they outsource from someone else. This company is not suited even for the third world, it is surprising to see them still operate above the bankruptcy level here, in the US.

by Inez Petersen From Seattle, WA on March 01, 2009

Absolutely the worst mortgage company imaginable. They charged me $3951.23 for insurance on my condo when I had purchased insurance effective on the day I closed the loan. A simple phone call could have solved the matter, but they chose to charge me for insurance at HUGE mark-up.

by Anonymous From Columbia, MD on February 26, 2009

Taylor Bean & Whitaker is the worst company I've ever come across with. I have had a fixed mortgage with them for 2 years paying $1715, all of a sudden they sent me a bill stating that my mortgage is $2,715.54 a month. When I called to get clarification, i COULD NOT GET A REPRESENTATIVE...I had to wait for 61 minutes before one came, they stated they didn't get any insurance information. I called my insurance company, they told me every year at the end of February, they provide this information to TBW. They are just crooks who are trying to rip off people. The government needs to investigate them and intervene on behalf of the people. They are just like the CitiGroup mortgage Corp...the worst of the worse. Horrible! They have no clues about serving people. They need to be shut down by the Federal government.

by Steph S From Chardon, OH on February 26, 2009

This is the worst company in the world. I would rather give another company 1-2% more APR than to deal with Taylor Bean & WHitaker. I spent a total of 4-5 hours on hold this month with them. When I finally realized my pay by phone didn't go thru, I called them and they were NO help. They said I now have to pay by certified funds and that is ridiculous! I have made all my payments on-time and I really need a new mortgage company. I will join a class action!

by Wanda Reed From Kingman, AZ on February 25, 2009

Stacy..Please e-mail me about "class action lawsuit" against TBW..Thanks.. :o)

by Don & Wanda Reed From Kingman, AZ on February 25, 2009

"Oops I mean Stacy"..Contact me via e-mail.. Don_Wanda@hotmail.com "TBW gets a big "0" rating..

by Don & Wanda Reed From Kingman, AZ on February 25, 2009

Elizabeth..About "class action lawsuit"..Please e-mail me.. Don_Wanda@hotmail.com "I give TBW a 0 "rating"..

by Stacy Koellner From New Cumberland, PA on February 24, 2009

I can't even get their fax # to fax my property tax bill that they never paid for 2008. I've contacted an attorney that is willing to take on a class-action suit against Taylor Bean. Anyone interested?????

by Elizabeth From Vero Beach, FL on February 22, 2009

TBW has been our lender since 2005. We never missed a payment. We pay our own insurance, because they couldn't get the math right. I called back in June 2008 because I knew things were going to get rough. They were not willing to help. There solution was try to sell the property. Here we are 3 months behind. Because my husband and I are still employed there is no help for us. I work in construction my checks are smaller and I can't count on my next one. Why would they not want to help someone out that in todays market does have a job. We are behind so they want to raise the payment by 200.00 a month so we can be current. Instead of a 30 year loan it will be a 40 year now. If I can't pay the monthly bill now how do you expect me to pay 200.00 more. DO THE MATH!! So, being late by 3 months allows them to prision me by another 10 years!! It's a house that will only age. You would think that they would want something compared to nothing. I will share numbers and e-mails. If you e-mail their customer service a lady by the name of Linda will call. Joanna Niehaus Jniehaus@Taylorbean.com She was nice and she responds by e-mail and she called me on a Saturday. Victor Cedeno 513-612-4400 ext. 21209. He is a jerk and not helpful at all. But the number is the Loss Mitigation Dept. It's funny he told me that TBW isn't in the business of owning houses. Because I said I didn't have a choice but to walk away. I guess he didn't get the memo that they are in the business of owning houses, because they are not in the business of customer care. Their moto is "Perfecting the art of mortgage Lending" I say it should be "Perfecting the art of the run around" I hope this helps! Remember they can't eat you!!

by Ellen From Havre, MT on February 21, 2009

This company is a nightmare in every aspect; their service reps range from very sweet yet 100% incompetent and ineffective to rude, nasty, sassy and disrespectful. This is, of course, if you are willing to wait the MINIMUM of one hour to get a rep. Seriously, I have never gotten one that quickly. And do NOT bother to try and accomplish anything via email. They have posted funds late, then refused to accept my next months' payment unless I agree to pay the fee. Oh Well, I can write a letter and appeal the late fee. YEAH RIGHT!! And anyway, no one knew to whom the letter would be written. My lament is that as consumers we have TOTALLY no say in who our mortgage company is!!! Perhaps we can all unite and get rid of this hideous entity which has control over us and our money --- and we did not chose them. Seems ridiculous to me. Should we not all have some say in who we owe money to? I get baffled when I think of this. Are there any other "services" which we use that suddenly own our "something" and for the next $40 - $400,000.00 we are owing unto them. I've noticed there are 3 positives in this rant site. They must be the 3 Beans themselves.

by steve From Apple Valley, CA on February 20, 2009

norm at least 45 min wait to talk to any body been trying too get help since oct 1 08 one word they suck

by Don & Wanda From Kingman, AZ on February 19, 2009

I have to laugh, because I had a strong feeling AFS wouldn't post my message about TBW..Beyond a shadow of a doubt, "we" (husband & wife) can prove that TBW was part of a conspiracy of "mortgage fraud" against us.."THAT IS A FACT!!!"..First of all "we" didn't sign squat with TBW..Our original lender (Oakstar Bank) one of the co-conspirators involved sold our sell contract to TBW..Now maybe some of ya'll had good vibes with TBW..That is because they "can't rip off all of their clients"..So that is just a front they put up..TBW are no good, rotten, lieing, yellow bellied cowards..Not to mention "parasites".."It is a shame that the "almighty dollar" supercedes, the truth, honesty, dignity, intregity and more important "PEOPLE"..AFS has another portion of their site, where there are more complaints against them, including "lawsuits" for "FRAUD".. :o)

by Don & Wanda From Kingman, AZ on February 19, 2009

People Please call or email me about TBW I have news for you Every one please please contact me Sandy Smith 254-977-4731 sandyssmith123@yahoo.com ___________________________________ "Good people, "let's stick together" Sandy has been in contact with attorneys and public officials about TBW"..I would suggest ya'll that haven't yet contacted Sandy via e-mail about your situation with TBW, "please do so!!"..TBW and it's founder/chairman Lee Farkas have been exposed beyond a shadow of a doubt by conducting "fraudulent" business.."WITHOUT A DOUBT!!!".."Hang in there everyone".."United We Stand & Kick TBW's Asses!!".. :o) Also, file a complaint with ripoffreport.com It is free and your complaint will appear on all search engines.."Fantastic site!!".. :o)

by Diana From Bel Air, MD on February 19, 2009

Have had an FHA loan with TBW in Ocala, FL since May 08. No problems contacting them, having payments applied, working through an escrow problem--when I mentioned the increase in my payment due to property taxes would be tough, they were ready to send me to a refi specialist. I have never had a problem with them.

by Anonymous From Middleburg, FL on February 18, 2009

We got behind back in July of 2008. Wife found out she was pregnant. We had numerous things we had to get taken care of bill wise, we got 2 months behind sent in the payment with late fees, it was returned to us saying they needed 3. This happened more than once. They kept puttin us off until we couldnt catch up. Well back in Dec.2008 we receive a foreclosure notice. We contacted them they are not willing to work with us. We sent in paperwork to the loan mod dept. still havent heard from them after they said they recieved it and we would hear from a negotiator soon. Still havent heard from them almost 2 and a half months later. we are getting farther behind. We can even send in 3 payments now and they wont take them. We cant lose our home we now have 4 kids and dont have a place to go. but we can afford our home but they wont work with us. what can we do?

by Anonymous From Middleburg, FL on February 18, 2009

very hard to get ahold of. not willing to work with me at all. been on hold for over 50 minutes before and still didnt talk to anyone.

by Bill D From Paradise, CA on February 18, 2009

I can't even get a phone to ring with this company. The customer service line is continually busy. Anyone who gives more than one star to this company must work for them. TERRIBLE!

by Matthew Dotson From West Lafayette, OH on February 17, 2009

I believe this whole process could have been avoided without the constant runaround and shuffling of our calls to voicemail calls that are not returned.

by anonymous From North Bergen, NJ on February 17, 2009

I have been on the phone with these people several times and there are no help at all. I am trying to reach someone that can help with my brother's mortgage and they are the most rude people I have ever deal with. I just don't understand how the Better Business Companies work with this company, It's a shame.

by Mad Woman From Bowie, MD on February 17, 2009

I just wish someone would pick up the damn phone! How can you keep a customer on hold for 45 minutes or a hour? WTF?! I hate TBW! I'm angry my loan was sold to them. Does more than one person work in the customer service office or what? Why are they still in business? Looking at the comments on this post, something needs to be done now!

by Anonymous From Bettendorf, IA on February 17, 2009

We have been trying to get a written payoff statement from TB&W for weeks now with no response by email or fax and their phone goes to a busy signal. Terrible customer service

by Mike Vaughan From Montgomery, TX on February 13, 2009

TB&W is reporting people who are paying their house payment on-time to the credit bureas as being 30 days late. TB$W took 2 weeks to post my payment from Bank of America Bill Pay. They agree the report to the credit bureau was wrong and they will correct it, even sent me a letter stating that, But still it will take them 60 days to fix it and until then my credit which was over 700 is now below 650 due to their error. The wait on the phone to talk with someone is 30 minutes. If they don't fix my credit soon, my attorney will have some fun.

by Marcelina fernandes From Brockton, MA on February 12, 2009

TLB is the worst costomer service i have dealt with they are so unhelpful.we are ready to just walk away

by Anonymous From Shawnee, OK on February 11, 2009

Had my mortgage woth them for several years, finally paid it off and cannot get my escrow refund from them. Spent approx 15 hours on hold with customer service last week with no answers. Worst service ever!!!

by Anonymous From Tampa, FL on February 10, 2009

Taylor Bean & Whitaker are crooks. They were about to go under and now they are cheating the public to survive.

by Anonymous From Tampa, FL on February 10, 2009

Taylor Bean & Whitaker are crooks. They were about to go under and now they are cheating the public to survive.

by Anonymous From Miami, FL on February 05, 2009

The worst customer service ever! They play around with your loan payments by misapplying then, and then they destroy your life by ruining your credit, even though you pay on time.

by CONNIE FUENTES From Orlando, FL on January 30, 2009

WE ALWAYS BEEN ON TIME AND FINALLY WHEN WE NEED ASSIST THEY CANT HELP US

by Anonymous From Buckeye, AZ on January 29, 2009

TBW is the worst company. We called them to tell them we'd be late on the payment and they were so rude and so unhelpful to work with. It like they want to foreclose on us. We've been struggling to make the house payment and now we get a letter saying there raising our payment by 70 bucks a month!! We are so fustrated we them we are ready to just walk away and let them take the house!!

by Anonymous From Kure Beach, NC on January 29, 2009

WORST CUSTOMER service ever been associated with,no one has any names and no e-mail address,or phone number to speak to someone after holding after 3 calls that had a wait time of excess of 20 minutes each time.I guess thet hope you will hang up.

by keith From Brookline, MA on January 29, 2009

This company is an absolute joke.

by B.A. From Harrisburg, NC on January 29, 2009

My loan was sold to this so call company and one of the first things they did was charge me a late fee for one day late on a loan,next they charged me with a pay off fee,which was not part of my original agreement,then charged me 10.00 to generate a payoff statement that I never received and then said they would credit it but would charge me 10.00 to generate another statement which was their fault.Paid them off,Absolute worst finanicial company I have ever had any dealings with.NEVER USE THIS COMPANY, If I could give it a rating lower than a 1 they deserve a O

by Anonymous From New Lebanon, OH on January 28, 2009

by Yeah From Orlando, FL on January 27, 2009

I know what you mean I have been calling everyday to be put on hold for 45min-3 hours then get disconnected. When I did get some one for help they told me to go find some local churches to get money. I am a prefect payment person that was trying to get help before it was to late. they would direct me to another number to get an answer machine that s says we will call you back in 24 hours. Its been over a month now. Thanks There is no Help out there Thats why people are now taking there lifes now?? As seen on tv news networks.

by Yeah From Orlando, FL on January 27, 2009

I know what you mean I have been calling everyday to be put on hold for 45min-3 hours then get disconnected. When I did get some one for help they told me to go find some local churches to get money. I am a prefect payment person that was trying to get help before it was to late. they would direct me to another number to get an answer machine that s says we will call you back in 24 hours. Its been over a month now. Thanks There is no Help out there Thats why people are now taking there lifes now?? As seen on tv news networks.

by leota sowers From Deland, FL on January 26, 2009

I need to see if I can do this asap Thanks

by Anonymous From Lawrenceville, GA on January 26, 2009

I made a mistake on my payment date and tried to get it corrected. In over a month, no one has helped me. So, my payment is going to come out of my account two weeks before I really have the money. I called and was kept on hold for over 45 minutes, talk to a person who said I needed to go to Customer Service, and they looped me right back to the same automated message I was already on. I then didn't have my loan # in front of me but it kept asking me for it, with no other options to look up my loan. I then tried to call back and got a busy signal. I then called again and pushed the option for refinacing and someone picked up within 1 minute! He said he'd try to get me to the right person. So far, no help. If I was late paying my mortgage, I would've heard from them already! I HATE them!

by Anonymous From Ocala, FL on January 26, 2009

I am always placed on hold for longer than 20 minutes each time I try to call. This is my first time home buying experience and it has been a nightmare trying to get help with preventing foreclosure. I would think they'd be willing to work with me to try to start getting caught up. But, it's a very rude all or nothing.

by jason lax From Orrville, OH on January 23, 2009

by Seng From Saint Paul, MN on January 23, 2009

Well guys I've read a few comments and see that most of you are dissatisfied. I too feel the same way. I gave them a 3 because my problem was resolved. The waiting time is actually really long they told me it would be about 10 minutes and it took 35 minutes. I just hope that they can improve on their customer satisfication and time. Overall my issue was resolved and that's what count. I hope that Taylor, Bean and Whitaker take these comment seriously and use it to improve their company. It all comes down to common sense. -------"Don't do it to me if you would not want it done to you!"-------

by Robbie Beamon From Wilson, NC on January 22, 2009

Glad to see that my January payment was not the only one that was not posted. I can't get anyone to talk to me or respond to an e-mail.

by mike s From Port Saint Lucie, FL on January 20, 2009

We have bought and sold 3 houses. We have delt with WAMU, GMAC and TBW. Our first home was with TBW. Dealing with TBW was always a hassle. When WAMU bought our mortgage it was like being saved from mortgage hell. TBW customer service is very poor. They DO NOT properly input data or they just don't do it at all. When we found out our new mortgage was with TBW it was like an bad dream come true. Bellsouth used to treat customers that same way until comcast and vonage came along. Its time for a change.

by mike s From Port Saint Lucie, FL on January 20, 2009

We have bought and sold 3 houses. We have delt with WAMU, GMAC and TBW. Our first home was with TBW. Dealing with TBW was always a hassle. When WAMU bought our mortgage it was like being saved from mortgage hell. TBW customer service is very poor. They DO NOT properly input data or they just don't do it at all. When we found out our new mortgage was with TBW it was like an bad dream come true. Bellsouth used to treat customers that same way until comcast and vonage came along. Its time for a change.

by Anonymous From Carver, MA on January 20, 2009

by Georgina VanFossen From Logan, OH on January 20, 2009

I have been contacting them since my payment was 1 day late, they just didnt seem to care we were having difficulties.

by Anna Kaina-Mott From Hilliard, FL on January 19, 2009

I feel for each and everyone of you because you have entered the mortgage nightmare. I know nothing of this company but there are a few more I can tell you the same nioghtmare for. You don't want to use because they play the same games: National City Mortgage; Wells Fargo Bank and I would now be leary of Wachovia because they merged with Wells Fargo. We went thru a few of these mortgage wars trying to get our account straightened out and ended up bringing eveybody and his brother into it and we still lost our home. The only way what-so-ever that you can fight these people is to take it to a lwayer and turn it into a class action suit. Mortgage companies that do these kinds of things are committing mortgage fraud. Double check your mortgage loan and see if it is federal, because if it is the insurance they have with companies that back the loans, they pay off to them anytime they can force you into foreclosure. This is what makes them so willing to play these games with you. You also can call the Insurance Commission in your state and find out who insures your mortgage company and they will give that companies name and address to you. It would behoove you to file a complaint with them, the more complaints they get the more suspicious they become and they will investigate the mortgage company and it will put a mark on their record and they will become unisurable. If they can not get insurance to back them up it results in them having to sell your loan out to another company and it can put them out of business. In order for them to carry mortgage loans they must be bondable thru insurance companies, If they can not be insured they can not hold mortgages. I kept my foreclosure going for a long time because of the games they were playing. They don't like for you to fight back because it causes them to be penalized with hefty fines or the company itself can be closed and/or tied up in court for years which also becomes costly for them. Because my loan was a federal loan I contacted the Comptroller of Currency and got them involved and I contacted the Mortgage fraud agency in my state which was Utah they began an investigation. It is still under investigation, even tho I sold the home on the day of foreclosure for it to not go into full foreclosure. The mortgage company National City Mortgage went beyond the norn and when they filed the closed loan with the credit bureaus they made it a point to make sure they wrote home sold because it was under foreclosure just to make a hard it on us. Because it didn't go to full foreclosure. I have learned thru time and experience you get more attention if you start from the top of the chain of command and work your way down to the bottom. Once the overseers are let known about the problems you are having they have to do whatis right to correct it or they suffer hefty fines. And in some cases if there are enough complaints filed a full investigation is stated and they are shut down permanently. Problem solved. If you can get enough people to file complaints at the same time a class action suit can be started by a prominent law firm and you would be amazed at the things which get accomplished. In a class action suit you don't have to come up with money up front, becasue they are paid by the company that is being sued, so it becomes a contigency case. This is best for most of us because we can be financially strapped in these situations. Fight hard and reap the benefits, its your home not theirs.

by Anonymous From Ashtabula, OH on January 17, 2009

I have tbw to and they are the worst company ever been with and for the ppl that said they are good you can go suck a egg because you have to work for them i was laid off and could not make feb payment march can able to make febs payment but not march so they would not take payment i could not make it on time because i was laid off and called them and told them i was laid off and they said they would not work any thing out with me then in july they told me to send them 3 payments in july aug and sep so i did and they said they would do a loan mod and it would help me out of this mess so i did well i recieved the papers in november and they want me to sighn papers like iam refinacen my house but for 4000 over what house appairsed for a year ago and now the market is way worse and they raised my payment up 80 a month i did not sighn them because why would i re buy my house for more then what i bought it before the first time so now they said they are going ahead with forcloser i need help i have a wife a three kids and this is bull shit that i have a fha loan that is insured that i paid the insurance 5000 and does not help me at all i hate this company i would like to join the class action law suit that is getting filled against them

by Anonymous From Clayton, DE on January 15, 2009

Seriously, this company is the Worst. another unposted payment story....our mortgage was bought by TBW. They have no follow through at all. Don't care to reverse last charge that are their fault. Needless to say we are going to refi with another company. TBW workers~is your mortgage with TBW!NOT keep your unrealistic comments to yourself. We weren't born yesterday

by Thomas Fitton From Worcester, MA on January 15, 2009

My wife and I just bought a house that has been in the family for 60 years. And we've been trying to get caught up with our payments to them. Every time we call we sit on hold for more than 45 minutes. If we get through, its on hold for another 30 minutes plus. We've had no correspondence with them as far as statements and status on the litigation process, which was suppose to take 6-8 weeks. It's been 4 months. So I find out today through my wife that we have been foreclosed on. What kind of company does that to there clients? Stay away from this company. Thier service is lousey, thier employs dont have a clue on what's going on. Absolute NIGHTMARE!!!

by Lawanda Crawford From Covington, GA on January 13, 2009

by Stacey Wilson From Randallstown, MD on January 13, 2009

by Christy Long From Maynardville, TN on January 12, 2009

by Maquista Williams From Monroe, LA on January 08, 2009

by Anonymous From San Antonio, TX on January 07, 2009

Horrible customer service, attitude with all calls. I've never missed or been behind on a payment. They are not in any way proactive in working with their customers. It seems like you end up getting routed to an operator who has had no customer service training and is probably making minimum wage, and completely hates their job. I am in the process of refinancing, and I will not even consider TBW as a refinancing option. I had a similar issue as some of the others where a payment was automatically withdrawn that shouldn't have been, and getting my money back was such a pain in the butt that I gave up and left the money on the principle. I continue to regret being with TBW, and the lower interest rates is going to give me the opportunity to go with a more credible lender and at a much better rate!

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by K. Blondell From Macon, GA on December 21, 2008

We had been in our home for 1 year with no issues. Then we get a letter from TBW advising us that we have no insurance on the home. We paid for the first year's coverage at closing and we have an escrow. Needless to say, we have been unable to get a rep on the phone and, of course,TBW has advised us that they are getting a policy. I SMELL A RAT! And for the benefit of those TBW employees who want to get miffed about complaints, maybe you should spend less time on computer blogs and more time trying to assist your clients. Our payments are made early, we are not behind and we do not plan to be. Nor do we intend to let a mortgage company rob us blind with their underhanded practices. If anyone knows about this class action lawsuit please post the info. Thanks!

by GONZALO From Tucson, AZ on December 18, 2008

by pamela jackson From Ayden, NC on December 17, 2008

by Anonymous From Albuquerque, NM on December 16, 2008

by Anonymous From Albuquerque, NM on December 16, 2008

by Ray Herrera From Albuquerque, NM on December 16, 2008

by Anonymous From Albuquerque, NM on December 16, 2008

by Anonymous From Tinley Park, IL on December 15, 2008

HORRIBLE!!!!!!!!!!!!!!

by Anonymous From Lovelock, NV on December 14, 2008

I had the same issue as the lady who posted a comment. They rejected a payment I made on Dec. 1st. because it was not the right amount, now here it is Dec. 13th and that money is still not in my account. I have had to file a claim with my bank because no one can tell me where my money is. I am supposed to make two payments on the 15th but won't be able to until I have that money back in my account. Now TB&W won't accept only one payment, so what am I supposed to do? It is so stressful knowing that over a thousand dollars of mine is out there somewhere but no one knows where!

by Anonymous From Hermitage, TN on December 10, 2008

Please be a Christian Company with Christian values. so many stand in front of Christianty just to get into it and find out different. Everyone keeps telling me that GOD will find a way. I have alot of people praying right now, I pray that you are the answer. thank you

by Anonymous From Hermitage, TN on December 10, 2008

by sai lo From Winder, GA on December 09, 2008

by Anonymous From Tollesboro, KY on December 09, 2008

by Anonymous From Grottoes, VA on December 03, 2008

I've experienced a issue with TB&W this past week with them not wanting to post a payment that we made on 11/28/08 threw their phone pay check system bill matrix. Bill Matrix says that TB&W collected the payment and it was deducted from our checking account on 12/01/08. Now here it is several days later and they still have not posted our payment. I've contacted them numerous times with no response. I would like to know what legally can be done and for someone to check into their practices.

by Anonymous From Leesburg, OH on December 01, 2008

They have stacked late fees on top of late fees. they will not let me catch up because they say that the fees have been accruing until I was caught up but because they will not apply the late fees I will never be allowed to catch up. In Oct they charged me $32 in late fees I paid. In Nov. 64 that I paid and this month a whooping 96 in late fees. In 8 MONTHS TIME i WILL HAVE PAID OVER $1000 late fees and all they can tell me is that money is being put in a account and has not been applied to the late fees but won't tell me why and where and when the money will be applied. It is their way to keep me in the hole and paying the outrageuos fees. I never get a bill, they never answer the phone until after an hour hoping you will hang up an if you get through to them they are so rude you wish you would have hung up. I am at my wits end with these crazy loons.

by Anonymous From Henderson, CO on December 01, 2008

Just want some help regarding mortgage payments. We aren't late yet but will be soon and I can't get anyone on the phone. Have tried several times waiting on the phone forever. In fact because we are not late yet the automatic help line just hangs up on us. Guess once we are late they'll start trying to get a hold of us.

by Charles A Johnson From Atlanta, GA on December 01, 2008

We have just submitted a modification application and do not know what the outcome will be.

by Keithry Eppenger From Como, MS on November 26, 2008

by Lost From Cleveland, OH on November 25, 2008

Same story, same delays, only went with them because I needed 203k for cosmetics on home. Slow processing cost me fees, now they are saying that my home that is work 35k min over the loan amount will go into forclosure/loan default if the FHA inspector doesn't like the quality of the exterior paint job. Just stupid!...I'm a 1st time homebuyer who was sold on TBW when I didn't need them at all. I had a traditional loan that would have required me to spend another 8k in repairs so I wanted to save money in this climate. Wrong move to this point cause I was on hold for 30 mins before someone picked up and then put me back on hold. Construction Dept doesn't care that house can't be painted in the winter, they say it has to be done. This is crazy, I'll be refinancing with another company the 1st day that I could. This is supposed to be a happy time for me and my family and it's been a nightmare. Oh yeah, and I have good credit, made a nice downpayment and was approved for a traditional loan go figure. Same stuff with escrow and it's only been two weeks since closing. Everything is a delay with these people. Please go to another lender because it'll turn your happy days to sad ones if you don't.

by another Ex Employee From Ocala, FL on November 23, 2008

I too used to work under BETTE..what a moron...And for the guy who said that she was selling porn..are u f**cking kiddin me..she was sellin DVD's and Bette knew it but because she stands up for her self and takes NO shit from anyone..she was fired..she had been selling the DVD's since she started working there. I guess because BETTE son killed himself(speeding on a motorcycle with no helmet and ran into an earth mover) we were expected to kiss her ass...Im glad they fired me..being that the company is on its way out. and Im quite sure that the other girl ia grateful too...So Brian..get ya facts straight or maybe u kissin her ass too...And make sure u tell the other FHA Dept to go play in traffic...HAHA!!

by Thomas Mays From Fort Washington, MD on November 22, 2008

by James from Shallotte, NC From South Brunswick, NC on November 19, 2008

First of all, I have never been late on my mortgage payments. However, TB&W in March of 2008 failed to pay our insurance payment from escrow. In June I received a notice from a collection company stating I owed our insurance company money. When I took the notice to my insurance company, they stated I have not had insurance on my home for three months! My insurance company contacted TB&W in June 2008. My insurance company had to rewrite the policy because it was termanated for over 60 days. Thus, the insurance policy cost went up in price! Now TB&W says that my escrow account is in the red and my payment is going up $200.00. This was not at our doing! We have made our payments and now being we are being blamed for TB&W mistake. The sad part it was with our money!

by Kipton Pohlman From Peabody, KS on November 18, 2008

by Happy Employee From Ocala, FL on November 14, 2008

I have worked for TBW for 6 years and I must admit that I have heard both sides, good and bad. However, I must say in the defense of TBW & Lee Farkas, that they do push good customer service at ALL times. They do push as well as offer incentives to their employees to give such service to our customers as well. I feel that TBW will only increase in size and in popularity. It is one of the best companies that I have worked for and I do not intend on going elsewhere for a very long time! Kudos to you TBW!! Keep up the good work and continue to improve!

by Chrissy From Lexington, KY on November 12, 2008

Ditto! These people are the most incompetent that I have ever dealt with in my life and I, too, have complained to everyone that will listen. I have never been late on a payemnt in my life and for some unknown reason these idiots have my payment and refuse to post it, they continue to call me after I have talked to 4 different people that claim that they will fix it and have yet to. They continue to charge me late fees when they have my money! How illegal is that??? I have been dealing with this for 2 months and no one can figure out how to punch a few keystrokes and correct THEIR error. They admit to having my money! I keep asking, WHY? WHY? WHY? I have gotten nowhere with the people that I have talked to on the phone so I tried to e-mail and I get a generic, ridiculous response that says our notes indicate the issue is resolved. RESOLVED FOR WHO????? NOT ME! I am an honest, hard-working business owner and mother of four and I don't have time to deal with complete idiots hours a day. I also find the positive comments on here hilarious-you obviously have not had to deal with the mess that the rest of us have and I hope that you don't but if you are with these people chances are that you will run across the same thing some day. I have had several different mortgage companies throughout my life of buying property and have never had an issue until them. I also did not choose them...they bought out a loan from the bank that I did choose and unfortunately I didn't have a say in that. I hope that someone steps in and makes them accountable for all of the stress and time that they have caused me. I spent the first night trying to get this straightened out with 3 hours on the phone with a nasty "customer service" rep that refused to listen to what I was saying and refused to look up the information that I was telling her, after getting a supervisor they finally pulled up the proper info and said that they would immediately correct it...2 months later, several more phone calls, and several e-mails later it is still not fixed. I had my 1 year old son crying and tugging on me for the entire 3 hours while my 9 year old needed help with his homework, my other 2 needed me just as much and they all needed dinner. My husband was working and I was trying to deal with all of this. We are hard working, bill paying individuals trying to raise a family of responsible children and I am wasting 3 hours of my time fighting with complete ignorant "customer service" idiots...hardly seems fair to me. I just hope that the saying is right...what comes around goes around.

by B & J Kinney From Findlay, IL on November 09, 2008

My wife and I work 55-70hrs. a week each. We had some financial problems a couple of years ago and had to file bankruptcy. Since then I have fought to get my mortgage company to accept my payments and to talk to me. Last December, they finally talked to my lawyer, and worked out arrangements of double payments thru July. I made my payments, when July came, I sent payment in, and then I sent the August payment in. They never cashed the checks, when we inquired about it they wouldn't talk to us, until we received papers stating we were in default in our loan. So, our lawyer called and called, and finally got an amount to send. We had to cancel the other 2 checks and send 1 for $1400, which we did. They returned it to our lawyer, said it wasn't enough, after they are the ones that gave the amount to our lawyer. A few weeks go by, on Monday, we received a letter saying that we needed to pay $2,367 and change by 10/30/08. We got a money order and our lawyer sent it on 10/24/08. On 11/6/08, my wife called the mortgage co. to see if payment was posted, and which they told her that it was not, and that our house was scheduled to be sold on 12/08/08. That same day in the mail,we received the money order, along with a letter stating that it was not enough money. Now they say they need $3400. I consulted my lawyer, and was not happy with what he recommended, but can clearly see that is about the only option. I was told to give up my home that I have been paying on for 8 years. The reason he said this was that, the mortgage co. clearly just does not want us to get caught up, almost like they are eager to foreclose on us. Now, for the first time in my life I can actually say that I am ashamed to be an American. I have always believed in the American dream, only to have my home taken from my wife, our 3 children, and myself. Maybe the economy would be better if these places took payments instead of bailouts.

by Anonymous From Mansfield, OH on November 07, 2008

Taylor Bean and Whitaker have been the worst company that I have ever dealt with. I have been trying to close a house for over a two months with them. Every week they come up with something new that they need. They have changed the down payment required and the interest rate on the loan. They take on average over 3 days to respond to a question. I have had 5 scheduled closing dates and they are always delayed for some reason. I was supposed to close last night and they were having problems with there computers and couldn't send the closing documents to the title company. Supposed to close today at noon and I was called about a half hour ago and they messed up and attached someone elses appraisal to my file and now they are looking for my appraisal. They ask if I had the wrong home appraised?!!!! Not only would I not recommend them, I would help prevent anyone I know from ever dealing with this company.

by Anonymous From Mansfield, OH on November 07, 2008

Taylor Bean and Whitaker have been the worst company that I have ever dealt with. I have been trying to close a house for over a two months with them. Every week they come up with something new that they need. They have changed the down payment required and the interest rate on the loan. They take on average over 3 days to respond to a question. I have had 5 scheduled closing dates and they are always delayed for some reason. I was supposed to close last night and they were having problems with there computers and couldn't send the closing documents to the title company. Supposed to close today at noon and I was called about a half hour ago and they messed up and attached someone elses appraisal to my file and now they are looking for my appraisal. They ask if I had the wrong home appraised?!!!! Not only would I not recommend them, I would help prevent anyone I know from ever dealing with this company.

by disgruntled From Emmett, ID on November 05, 2008

I have never had such a rotten experience with this company and the preditory mortgage companies that use them I have had closing pushed back 3 times and am over in time to both the mortgage company and sellers. i have done everthing required by me to get this done. My mortgage won't return my calls and refused to provide paperwork and has told the sellers its my fault the loan hasn't closed because I refuse to lock interest. I have on 3 occaisions tried to lock and evertime the lender has refused first they stated they had insider info that the rate were going to tank rates didn't, then they said I didn't sign a lock document giving them the right to lock ( funny when I got to the office it mysterously reappeared) and still no lock the third time I went into the office again and demmanded a lock and missed out because the rates were the highest they had been in weeks, I just want the deal done. So I think finally it can go to underwriting and now find out the rate wasn't locked and tbw is waiting for the lock info to send docs. I got this info from the title company. If I wasn't in the situation I'm in I would walk, but I don't have the time or energy to find a rental and own large animals so I'm stuck and the mortgage company knows it. I have hears every day for the last month that the docs are on order and we'll sign. I have no idea what my paperworks says, the mortgage company refuses to provide any information and I'm getting no help from the realtor all I have ever gotten is a good faith estimate which they say is a good approximate, yea right the interest rate on that document lists 6.125 but that is only an estimate my rate is 7.50 because I didn't lock. I tried and tried and tried to lock when the rate were 6.12 but some how it never got done, funny how that good faith works but only to their advantage and when questioned after all its just an estimate. I hope with this bail out the money is spent in proicuting these theives starting with the mortgage companies and then the lenders. I have tried on many occasions to contact someone who can help but with no response. I haven't yet exhausted my options and am seeking legal advise in the morning.

by disgruntled From Emmett, ID on November 05, 2008

I have never had such a rotten experience with this company and the preditory lenders that use them I have had closing pushd back 3 times and am over in time to both the mortgage company and sellers. i have done everthing required by me to get this done. My lender won't return my calls and refused to provide paperwork and has told the sellers its my fault the loan hasn't closed because I refuse to lock interest. I have on 3 occaisions tried to lock and evertime the lender has refused first they stated they had insider info that the rate were going to tank they didn't then they said I didn't sign a lock document giving them the right to lock the third time I went into the office and demmanded a lock and missed out because the rates were the highest they had been in weeks, I just want the deal done. So I think finally it can go to underwriting and now find out the rate wasn't locked and tbw is waiting for the lock info to send docs. I got this info from the title company. If I wasn't in the situation I'm in I would walk, but I don't have the time or energy to find a rental and own large animals so I'm stuck and the mortgage company knows it. I have hears every day for the last month that the docs are on order and we'll sign. I have no idea what my paperworks says, the mortgage company refuses to provide any information and I'm getting no help from the realtor all I have ever gotten is a good faith estimate which they say is a good approximate, yea right the interest rate on that document lists 6.125 but that is only an estimate my rate is 7.50 because I didn't lock. I tried and tried and tried to lock when the rate were 6.12 but some how it never got done, funny how that good faith works but only to their advantage and when questioned after all its just an estimate. I hope with this bail out the money is spent in proicuting these theives starting with the mortgage lenders and then the lenders. I have tried on many occasions to contact someone who can help but with no response. I haven't yet exhausted my options and am seeking legal advise in the morning.

by tamica grogan From Powder Springs, GA on November 03, 2008

We have filed paperwork with our mortgage company and tehy have failed to help us. We never can get a straight answer from them and we have submitted paperwork on three time to ask for assistance because we were behind and they always missed place our paperwork. When we first got behind Taylor, Bean and Whitaker told us they were unable to help us at that time but never told us why. We are first time home owners and we were lost on what to do. They made the situation worse because they led us to beleive they were going to help but they didn't. Everytime we called to speak with a representative they never knew what was going on.

by fraud exposure From Lehi, UT on October 22, 2008

So they were so easy to use and had common sense underwritting. And you believed everythig they said to you? Well you are not alone, many people believed even underwritter and they are in BIG trouble now. Warning, if you did a ststed loan, you better have matching tax returns. Warning, those easy guidelines are from their mouth to your hears and they will not recall what they told you. Innocent trusting People are going to jail, because they thought TBW was so great and sensible and special. Taylor, Bean & Whitaker Mortgage Corp Taylor, Bean & Whitaker Mortgage Corp is NOT a Niche Portfolio Lender More like a super broker that sold your loans to Freddie Mac. It's time to bring this Giant Down, we are organizing now. BTW, TBW is suing brokers, processors, office help, loan officers, borrowers, and many others. If you have copies of guidelines, taped phone calls, emails, I'd save them and you are more than welcome to post them here. Join our mass tort lawsuit against TBW, Taylor Bean. Did TBW charge you for an appraisal review that was worthless? Did they mislead you about their niche products, stated loans, gifted money, no doc loans, job titles, occupancy requirements, job descriptions, loan criteria? Did they say their loans were not being sold to Freddie Mac? Did they say these were their loan criteria and rules and money? Beware Taylor Bean does not have their’ own Loan Products and Programs. Luckily for me I taped my calls Posted by Fraud Exposure http://fraudexposure.blogspot.com/

by ANONOMOUS From Phoenix, AZ on October 20, 2008

TBW messing up on escrow paymens. As a professional Certified Appraiser and an ex mortgage broker I watched as TBW has neglected to pay insurance premiums and taxes which were in escrow. I watch during the S & L collapse that the first thing that started hickuping prior to the collapse was the escrow payment. As soon as I was made aware that they had failed to pay I called and told them that this was a breach of contract and that if I had to pay I would sue them in civil court rendering the mortgage contract void. They waired the money taht day. I personally think TBW is in trouble and watch for them to bail causing me the opertunity to buy my mortgage wholesale.

by Chris Craft From Chandler, AZ on October 20, 2008

Company not very willing to offer other option besides a short term repayment plan over like 6 months.

by Anonymous From Greensboro, NC on October 14, 2008

by Kimberley Gillespie From Collins, GA on October 09, 2008

by Anonymous From Noblesville, IN on October 06, 2008

My closing date has been pushed back 3 TIMES now because of TBW's complete ineptitude. They've had my file for over a month and no one has even TOUCHED it. Their excuse was that since the Down Payment Assistance programs were ending, they needed to process those first. WTF?!!? Now it's been a week since that program was closed out and they STILL have not touched my file. I've had to pay $375 to extend my purchase agreement, and if I'm not closed by the end of the week, will have to pay another $375 to extend it further. Absolutely terrible. Don't go with them unless you HAVE to. My broker tells me they're the only ones who handle the type of loan I'm doing, I beginning to second guess that as well.

by happy homeowner From Charlottesville, VA on October 05, 2008

I have been paying my mortgage to TBW for over a year now and have had only minor issues, which were all resolved quickly and professionally. 1.) They were VERY strict about who they lend to and very particular about the procedures. They required our closing lawyer to 5x the cost of the property in liability insurance, which was strange, but not unduly difficult to arrange. 2.) They initially used the wrong account number for my bank account. I had faxed them my account number and the right number was on the form, so they refunded the NSF fee and did a free payment over the phone to keep me current. 3.) I live in a condo, and I have to have the insurance company fax them my insurance information every year. It always seems to go through just fine, unlike some of the other posters here. I think a lot of the negativity here comes from the fact that few people go on the internet to write about when everything goes right, but a lot of people want to vent when things go wrong....

by Wake Up People! From Ocala, FL on October 02, 2008

I HAVE WORKED IN COLLECTIONS AND THE MORTGAGE INDUSTRY FOR THE PAST 7 YEARS. TAYLOR BEAN AND WHITAKER IS ONE OF THE BEST AROUND, THE FACT THEY ARE STILL HERE SAYS ENOUGH! PEOPLE NEED TO STOP COMPLAINING AND WAITING FOR THE MORTGAGE COMPANIES TO "BAIL" THEM OUT. THEY ARE NOT THE ONES WHO PERSONALLY PUT THE INDIVIDUAL IN THEIR HARDSHIP SITUATION. WHAT DO YOU EXPECT. A PERSON HAS NO INCOME--SO WHAT TYPE OF ASSISTANCE ARE YOU LOOKING FOR? I UNDERSTAND NO ONE WANTS TO LOSE THEIR HOME AND I EMPATHIZE FOR THE ONES WHO HAVE WORKED ALL THEIR LIVES AND ARE PUT IN THIS TYPE OF SITUATION DUE TO THE ECONOMY. A PERSON SHOULD JUST TAKE THEIR LOSES AND FIND SOMETHING MORE AFFORDABLE. WHAT MORE IS THERE TO SAY. YOU DONT CALL YOUR CAR COMPANY AND ASK THEM TO LOWER YOU $500 MONTH PAYMENT TO $100?? WHAT SHOULD A MORTGAGE BE ANY DIFFERENT. THE MORTGAGE COMPANIES ALWAYS TAKE THE BLAME. IF PEOPLE WERE MORE PATIENT AND FOLLOW SIMPLE INSTRUCTION THE MAJORITY OF THEM COULD ACUTALLY KEEP THEIR PROPERTIES. PUT YOUR PRIDE ASIDE, FACE REALITY, STOP BLAMING OTHERS AND TRY TO MAKE THE BEST OUT OF THE HAND OF CARDS YOU WERE DEALT. THE MORTGAGE COMPANIES CAN NOT MAKE YOUR MORTGAGE PAYMENTS. YOU WERE MAKING 500K PER YEAR AND HAVE NO MONEY SAVED? WHOSE FAULT IS THAT? WAKE UP PEOPLE AND LOOK AT THE BIGGER PICTURE ON HOW YOU COULD HAVE EASED YOUR CURRENT SITUATION AND JUST DONT MAKE THE SAME MISTAKE TWICE. GOOD LUCK!

by Anonymous From Decatur, GA on October 01, 2008

I am scared to death

by Jon From Brighton, MA on October 01, 2008

TBW is the worst mortgage company I have ever dealt with. They should be closed down. To name a couple of the dumbest things these idiots have done with my mortgage, first I was sent a mortgage payment for the wrong house which happens to be 3,000 miles away. 2nd they have applied my equity payment to my primary mortgage 4 times. 3rd they put me in one of their ridiculous insurance policies after I showed proof of my own insurance about 5 times via fax. This list goes on and on, maybe they should pay the idiots that work there more than minimum wage and maybe they will get something done right there.

by mirela dumitrescu From Bensenville, IL on September 26, 2008

by ladara peer From Mabelvale, AR on September 23, 2008

i have not been late but recieveing late notices, i had arranged for my payments to come out of my checking account so how am i late, i can't get anyone to answer my calls or emails

by uw for TBW From Orlando, FL on September 23, 2008

wow do you all have alot to learn. i have uw for TBW for years. We do what our investors tell us and make every loan we possibly can. i am a very seasoned uw and i can tell you this place is awesome to work for, has awesome benefits, great people and i hope i can retire here. stop spreading trash about things you surely have NO clue about.

by Paul From Orlando, FL on September 23, 2008

World's worst customer service. If they had any customer service.

by Anonymous From Garden City, MI on September 23, 2008

by Sue From Decatur, GA on September 23, 2008

How does a "business" this inefficeint and corrupt stay in business. They do not honor their word or contractual obligations but will find ways to blame it on the customer so they get more fees. STAY AWAY FROM THEM.

by Anonymous From Somerville, OH on September 21, 2008

by Monica Verstraten From Temecula, CA on September 18, 2008

by steve wilcox From Portage, MI on September 17, 2008

I have had 16 mortgages in the last 5 years. TBW has been the easiest to work with over Countrywide, Wells Fargo, Towne, Flagstar, Washington Mutaual, etc. I did have a problem with my escrows with a TBW loan. When I called their customer service, they did an escrow anaysis and it was fixed by the time my next payment was due. If you have a "hardship" and can't pay your mortgage payment, then you over-extended yourself, period. My God, you can't make your payment, you get what you deserve: ACCOUNTABILITY!! You made payments online and screwed up: ACCOUNTABILITY You have a problem with their customer service: TELL YOUR BROKER OR BANK that sent the loan through them. DUH! Do you think that this company is unique in the market? Think again. You didn't use your online payment in time, OH Yeah, that's their fault???? As to written verification of verbal employment, that makes no sense, I think that's BS. Okay, you want them to lower your payment. Why the heck to you sign in the first place??? Freaking whiners. Own the debt you have or become a statistic, your choice. This crap makes me sick. Blame someone else for your bad decisions or bad luck. Freaking own it and move on people!!!

by j j From Charlotte, NC on September 17, 2008

by marc ingram From Danielsville, GA on September 17, 2008

by arlen From Layton, UT on September 11, 2008

I have no complaints. they have been fair and easy to work with. I did not choose themto buy my mortgage this taken care of by my roker here in utah. I am surprised by the many complaints in this website. But I have not been in trouble with my loan or have I had to deal with late payments or other types of problems.

by arlen From Layton, UT on September 11, 2008

I have no complaints. they have been fair and easy to work with. I did not choose themto buy my mortgage this taken care of by my roker here in utah. I am surprised by the many complaints in this website. But I have not been in trouble with my loan or have I had to deal with late payments or other types of problems.

by Roi Young From Lewistown, MT on September 09, 2008

Nightmare!!!if you want to deal with the dumbest mortgage company in the universe deal with these morons...I happened to call them last Mon, Labor Day and the recording said they were sorry but they were closed on Indepence day, they cant tell a zero from the letter O they refuse to make an address change, if you call their customer service linbe you are told they wait weill probably be much longer than you will want to spend on a long distance call....I think every one who has to deal with these odiots should report the difficulty to the FL attorney generals office it may not do any good but then who knows their stupidity is such that some must be contrived and if so thats fraud...we are contemplating filing a lawsuit against them here in MT for the time and aggravation they have caused...BEWARE DONT BORROW ANY MONEY FROM THESE FOLKS YOU WILL WISH YOU HAND NOT

by David From Jacksonville, FL on September 03, 2008

Well my first impressions are they are slow so far. Underwriting is going to delay our closing date. I hope we have a better results than alot of you folks!

by mirela dumitrescu From Bensenville, IL on September 02, 2008

by curtis mcnew From Delaware, OH on August 29, 2008

they are never willing to work with our payment was $919 we asked them to help us lower it and then they raised it to $960

by Anonymous From Ocala, FL on August 24, 2008

I'd like to say something about the former TBW employee who stated that her team lead in the FHA department was racist...this is probably the former employee who got fired for selling porn from her work computer...I'd try to make someone else look bad if that's the reason I got fired too...I currently work at TBW and work very closely with the FHA department team lead who is NO WHERE NEAR RACIST!!!!!! You should start taking responsibility for your own actions and not blame everyone else on your stupidity.

by Brian From Elmira, NY on August 22, 2008

I have been having the same problem about hazaed insurance. I bought my home in 07. Aftre 1 month TBW bought my morgage. I get a letter from them every other month that I need to prove I have insurance. My insurance company faxed them 4 times. TBW actually said over the phone "Oh I see your insured through Sterling insurance" Though it was a done deal. Then I get a letter from them saying we have bought a insurance policly for you because you have not provided proof. Then they took 2 grand from my escrow account to pay for it. Call them and again they said "Oh I see your insured through Sterling" Our mistake. You escrow will be credited back the money. Just went to make my payment online and guess what. They have now increased my mortgage be $200 because, guess what? They had to take $2000 from my escrow to buy insurance.

by DeAnna Parks-Jones From Fairburn, GA on August 21, 2008

Their attitude was always one of clerical/collection agency. They were not amenable to helping work out how I could pay the arrearage and keep the house.

by UNREAL From New Orleans, LA on August 19, 2008

My mortgage was sold to TBW a few months ago. Luckily my bank was able to give me some information about who bought my loan (and were absolutely appalled that the company had not contacted me), as I still 3 months later have never received a letter or any other correspondence from TBW. I have now called 4 times asking for my loan number, my loan information, internet access info and ways to be able to pay my mortgage without mailing a check each month, with a loan number that is not even entered into their system. They have told me to be expecting a Welcome package that will contain all my information. Today was the 4th call, as my next payment is again coming up, and still no welcome packet or any acknowledgement that I even exist to them (the only reason I know is because my checks clear the bank). So, today I call them...long story short, they tell me they cannot talk to me that I am not on the loan...(after she was absolutely the rudest person I have ever dealt with, and attempting to hang up on me) I argued politely for 45 minutes that I did not imagine in my head borrowing money, buying a house, signing closing documents, and sending mortgage payments to them...that I needed info on it, and if she could not talk to me then I needed to talk to someone that could tell me something about MY OWN MORTGAGE. Well, 45 minutes into it, she realizes that she has pulled up the wrong account...BECAUSE THEY STILL HAVE NOT PUT MY ACCOUNT IN THE SYSTEM; she must have just some random account pulled up. She proceeds to tell me that she was not wrong, that I, in fact, was not on that account. I didn’t find it too humorous, seeing I had spelled out my entire life for her to verify that I was on the loan, and if they would actually give me a real account number, then just maybe I wouldn’t have to tell her every bit of personal information I have to even locate me in their system. At that point she is a bit nicer…and asks ok, now what was your question. (I did mention that she might want to verify that she is looking at the correct information before she begins to treat her customers so rudely.) She has no idea what is going on with my account, and she will make a request for another department to call me back …that maybe they may know why they have not done anything with my loan. I asked her how long it would take for someone to call me back…she said verbatim, “it takes 3-4 days for me to process the request for someone to call you, so sometime in the near future.” And that is where it ended…oh, and she mentioned that I should go ahead and mail in another check also in the mean time. I will mail them another check…and I still have not the slightest idea anything about my mortgage, except what the previous bank that owned it has told me. Absolutely HORRIBLE. So, I decided to Google this company to see if this is what I would have to deal with for the next 30 years of my life, or if this incompetent, rude person was just a fluke. I am absolutely scared to death about what I have read here. I didn’t ask for TBW…unfortunately this is what I have to deal with. I must say that I have never made a late mortgage payment in my life. I have dealt with 4 other mortgage companies, and have never had problems (Wells Fargo was amazing). So, to all of you that think this is about people complaining that cannot take financial responsibility for themselves...that is not the case. After reading this site, I also feel confident that anyone that has posted a positive comment on here is with the company, since all are either simply just 5 stars or incredibly generic comments.

by Jorge W From Springville, UT on August 16, 2008

This company has been the worse nightmare you can imagine. My father in law owns a big mortgage company and he said that a letter went out that Taylor Bean is prohibited to close loans after June 1st in our county. We use the financed condo as an investment and have been never late with a payment. After the closing we got a letter stating that we have 60 days to do our first payment. Wrong we got a letter after 30 days that we were late and they requested much more information. I ignored most of the non sense stated in the letter and did the payment and they have not reported anything to the credit bureau. Ok we get a notice in the mail that they need prrof of insurance. I fax it back and uppps our account gets charged 2700 $, because they lost the fax somewhere. Customer Service told me that they did a mistake and that they will remove their insurance. Wrong nothing happens and I call and they say that the insurance they chose will refund the money. They could not tell me what insurance they insured it through. It was a dead end. So I wrote the owner a letter with the suggestion that if they dont get their act together I will use the BBB. 3 days after I got a phone call and a miracle happened the money was refunded. I called at least 8 times with the average holding time of 50 min. This year 2008 I got the same letter. I called the TBW insurance department and made sure that while I was on the phone they received the fax. I think it is a scam because TBW insurance is 10 times higher than my current provider. In my eyes this is robbery and this should be fined with millions. You have to deal with them like little children. Always reconfirm! So I am looking forward to 28 years of the worse customer experience possible. Note to all never give up. The other investment is financed through another mortgage bank all I can say is: TBW please sell my mortgage to them! Good luck to all and never ever ever give up!

by Jorge W From Springville, UT on August 16, 2008

This company has been the worse nightmare you can imagine. My father in law owns a big mortgage company and he said that a letter went out that Taylor Bean is prohibited to close loans after June 1st in our county. We use the financed condo as an investment and have been never late with a payment. After the closing we got a letter stating that we have 60 days to do our first payment. Wrong we got a letter after 30 days that we were late and they requested much more information. I ignored most of the non sense stated in the letter and did the payment and they have not reported anything to the credit bureau. Ok we get a notice in the mail that they need prrof of insurance. I fax it back and uppps our account gets charged 2700 $, because they lost the fax somewhere. Customer Service told me that they did a mistake and that they will remove their insurance. Wrong nothing happens and I call and they say that the insurance they chose will refund the money. They could not tell me what insurance they insured it through. It was a dead end. So I wrote the owner a letter with the suggestion that if they dont get their act together I will use the BBB. 3 days after I got a phone call and a miracle happened the money was refunded. I called at least 8 times with the average holding time of 50 min. This year 2008 I got the same letter. I called the TBW insurance department and made sure that while I was on the phone they received the fax. I think it is a scam because TBW insurance is 10 times higher than my current provider. In my eyes this is robbery and this should be fined with millions. You have to deal with them like little children. Always reconfirm! So I am looking forward to 28 years of the worse customer experience possible. Note to all never give up. The other investment is financed through another mortgage bank all I can say is: TBW please sell my mortgage to them! Good luck to all and never ever ever give up!

by Jeanette From Richlands, NC on August 06, 2008

We have problems with Taylor Bean and Whitaker! Besides the fact it was hard to get in contact with them or that they never would call us back and we would have to call and call to get sonething done they are shady! I have recently relocated to North Carolina because of being stationed there by the military. I and my husband decided it was time to buy a house. We went through the VA after finding a house we both loved! This was an exciting time for us. We had my husband’s mother send in a money order for the earnest money. We were told that was fine. We made sure we got there. We have kept in contact with everyone every step of the way. The sellers let us move in early with a fee. Soon we found out they put conditions on the loan without telling us. We had to pay off a debt. We did that! Then they wanted a bunch of letters and bank statements. We did that. They needed information from my command and I got them the information just fine. We really wanted the house so we have jumped through every hoop they put up for us. This is important to us. Well we were supposed to close on Monday after being rescheduled twice already and after sitting for over an hour at the attorneys office we were told they were just trying to work out some issues of where money was listed on the HUD statement and that we would come back in the morning to sign the HUD which was the last form we had to sign. Well, morning comes and we get a call saying the underwriter for Taylor Bean and Whitaker needs a gift letter for the $500 Ernest money my mother paid and her bank statement showing the withdrawal since it was paid by money order. We got the lender this information by 11AM and we finally got a call at 4:30 saying that the underwriter still didn't like it cause it was paid with a money order and she considers that to be the same as cash and therefore untraceable and she will not sign off on the HUD unless they take off that the $500 was paid which would mean that I lose 500 because it would then be added to the closing amount I have to pay. The worst part is in the beginning my mother asked if she could write a check out of her account and they said that a money order was better and now the underwriter is saying that a check is the only way she could count the earnest money. Our real estate agent is having trouble with the issue because in NC it is illegal to give the buyers money after closing because of the issues with sellers trying to give buyers incentives to buy there homes. So pretty much we have an underwriter saying to get our money back and take the earnest money off of the HUD report and just to pay that much more with the closing costs and our agent and the closing attorney saying that legally there not allowed to give the money back and that this shouldn't be an issue since they have already done 100's of closings where the earnest money was paid with money orders and they have not once had this issue. Were worried because the current owner can't afford both mortgages and they need the house to close by today otherwise there going to miss another payment and the house may go into foreclosure. What options do we have and has anyone else ever heard of a money order not being an acceptable form of payment for earnest money when buying a home. Even if we go ahead a pay $500 extra right now to try to make this right they may not accept it because it was not done from the beginning. We might lose our home today because of something that was not our fault. I am a true person and not a competitor! If I lose my home over this I will be forced to sue. My email is gijeanie1@gmail.com if anyone wants to talk to me about this!

by anonimous From Roslindale, MA on August 05, 2008

I fell behind on my Mortgage due market value and bad economy, I have an investment property, 3 family house for sale for about 3 years could not sell on time, I had a decent rental income from this property until, tenants find out about my hardship then they stopped paying rent and this property has been foreclosed. During this time piriod thinking I would sale investment property fast I bought a single family house near my job and son’s college, tenants were experiencing hardship themselves and stopped paying their rent. Had to issued an eviction process to one of the tenant for non payment and it cost me, my son who used to help me with the expenses suffered a severe spine injury, He was not able to work, walk or move like He used to for a year, he fracture his spine at C4-C5 level, l tried really hard to keep up with the payments, gave up my car, cancelled car insurance, heated my house partially, pay only over due amounts on all bills, cut food expenses, but it was hard because of lost of son’s and rental income. When I tried to find a work out solution TB&W I send every documents, hardship letter, doctor’s letter, medical records, copy of real estate contract and letter from other lender that they agreed to do a short sale on investment property. I finally got to speak to the loan modification department representative and She was making fun of me, She told me that I got me a too big of a house, that She would never stop paying her mortgage. I was begging her for help. told her about what happen to my sons and she said to me that I did not report that to them, then I told her that she did not take the time to read my hardship letter and look at enclosed document over, she called me with and answer, latter she send me a letter telling me that assistant was denied because I was not able to make payments, HELLO that’s why I was seeking for help!!!!!!!!!!!!, now I am trying with ACORN they are helping families keeping their houses. But Taylor, Been & Whitaker really don’t care about anything it will cost them so much to help people, help families in need in this bad economy, WELCOME TO AMERICA ALL!!! On July 29, 2008 they send me a letter, telling me if I do not pay the balance due by the end of that month, which already passed because the letter took 4 days to get to me they will start the foreclosure preceding. So I don't know whats going to happen to my family now.

by Jeremy From Cypress, TX on July 25, 2008

I am currently getting a home loan from TB&W. I gave ALL necessary documents to my broker and in return she gave them to TB&W. The seller gave me 30 days from contract to close on the house. Everything was going fast and smooth until this past week. My broker has sent SEVERAL emails asking what the status is to the underwriter and her account executive with NO RESPONSE! My closing date is scheduled for July 28. Today July 25 they just now responded back with a couple more things that they needed! WHAT THE $#%#. I asked my broker WHY on earth did they ignore all communications with you and now on the last day, decided that they needed some more information. Now in my contract with the seller, I am fined $300.00 the 1st day after closing and $100.00 each day after up to 10 days. Keep in mind the title company needs 48 hours in advance to prepare paperwork from TB&W. Needless to say I AM PISSED! I am also steering everyone I know from doing business with these guys. TB&W should at least have the balls to apologize and waive some fees to accommodate what I am NOW losing.

by Anonymous From Saint Louis, MO on July 20, 2008

I have been trying to get TBW to fix "THEIR" error on my account. 9 months later they still have not fixed the problem.

by Tim From Scottsboro, AL on July 17, 2008

This has nothing to do with back payments or foreclosures, my issue with this company is TRYING to get them disperse funds to rebuild my home from fire damage. I had to send my insurance check to them for their endorsement, which is completely normal for Mortgage companies to do. Problem is they are not wanting to send me payments for re-construction in a timely manner. I was told to expect 5-7 business days for them to process, that turned into 10 days before they even looked at my folder to inform me I needed more documentation before they would even START sending MY funds back to me. I sent licenses for all workers and sent them the 30 page order of work that was given to me from my Insurance. Now they want written estimates from each contractor even though all agreed to terms of the insurance payment. I had to talk to at least 10 talking heads (in 10 different days) before they even let me talk to someone who actually would be handling my case. VERY, VERY, unprofessional and nothing that I as the customer can do about it. Mortgage companies have all kinds of safeguards built to protect them but if the customer has an issue, YOU ARE SCREWED!! Another example of how peoples/individuals rights are second to big corporations!! Meanwhile my family is displaced while this company could care less, I only wish there were a negative rating for these people.

by Anonymous From Tampa, FL on July 14, 2008

Absolutely worst customer service.

by Anonymous From Lebanon, PA on July 10, 2008

by Anonymous From Atlanta, GA on July 09, 2008

Unable to contact via phone, do not return calls The worst was returning a payment that was sent Express mail. this is the worst company i have ever delt with

by Anonymous From Russellville, AL on July 08, 2008

i have had a loan with tbw for about a year . i have always found them to be very courteous and helpful any time i call. i have had good service with them and plan to do more buss.with them

by Anonymous From Acworth, GA on July 05, 2008

by Veronica From Newtown, CT on July 01, 2008

I think that the TBW Office in Crystal River has the best, most compassionate loan officers on the planet. Keep up the great work TBW!!!

by Anonymous From Eglin AFB, FL on July 01, 2008

by Lori Delfs From Fort Collins, CO on June 17, 2008

They were ok with our situation but offered us no help from them or program now, only after two months payments are made and then they want to increase our payment to get caught up, thats their program. ARE THEY KIDDING IN THIS ECONOMIC DEPRESSION!,to get back on track. They would not even sign a roof damage insurance claim from the previous tornado winds till our mortgage was caught up. Yesterday they sent a "third party" to check to see if we were still living in the house, that was creepy.

by Alese Pewitt From Cordova, TN on June 13, 2008

by Anonymous From Tampa, FL on June 12, 2008

the owner ,Lee Farkas is a homosexual. They have so many fags working for that company you would think they should be based out of San Francisco

by Anonymous From Aurora, CO on June 12, 2008

My son was having trouble making his payments so he asked for some help. TBW increased his payments on him by 1 1/2 times the amount - WHAT THE HELL ARE THEY THINKING! My son has since lost his job and I have tried repeatedly to talk with them to try to bring the loan current and work out a plan (I'm authorized to speak with them, but they never return my calls and have ignored my emails). They have now sent he home into foreclusre - WHAT ARE THEY THINKING!!! IS IT BECAUSE THEY WANT FANNIE MAE TO BAIL THEM OUT. THEIR ATTITUDE IS WHO CARES ABOUT THE CUSTOMER!!!

by Sharon Vereen From Longs, SC on June 10, 2008

by Virginia See From Jacksonville, FL on May 27, 2008

I have been trying to resolve my past mortgage issues since march of this year. I was put on a payment plan but never recieved the plan and was debited from my checking account without my approval and there for the amount was not there. It is now may and I am four months behind on my mortgage and I have to get some sort of help or I will loose my home soon.

by nicole gaskill From Smyrna, NC on May 22, 2008

by Anonymous From Joliet, IL on May 21, 2008

was working with me through a rough time, and then just gave up and wanted everything up front immediately.

by alycia tate From Avon Park, FL on May 12, 2008

by Tony From Edmond, OK on May 07, 2008

TBW took 2 and a half months to release our escrow after our home sold! There were no complications, they're just slow and unprofessional! If the shoe were on the other foot, they would have threatened to evict me! Who's on our side when lenders are slow to pay! Seems to me, there needs to a credit rating system for them, as well!

by NOYB From Homosassa, FL on May 06, 2008

TBW has to follow Specific policies and Guidelines. They cannot just give anyone a loan. If you pay attention to the news- brokers that just gave loans to anyone have put the housing market where it is today. TBW is a Wholesale Lender...if you have a complaint - take it up with your BROKER. The loan programs have changed drastically- TBW is not handing out loans to peolpe that cannot afford them and not refianacing loans if it is NOT WORTH IT. When you get sick or umwmployed do you call your credit card companies, utility companies or your auto lender and complain about your interest rates and payments with them?

by william dykes From Vancouver, WA on May 06, 2008

by robert crawford From Forsyth, GA on May 05, 2008

by Emad Mansour From Des Plaines, IL on May 03, 2008

Easy to deal with, no problems and nice staff to talk to!

by Emad Mansour From Des Plaines, IL on May 03, 2008

Easy to deal with, no problems and nice staff to talk to!

by Darell Hunt From Staten Island, NY on May 02, 2008

by Anonymous From Walpole, MA on April 30, 2008

I too have been receiving the proof if insurance requests. Everytime, I would send it over to the fax # specified. Well, yesterday, I received a letter stating that since I didn't respond, they were taking $2700 out of my escrow acct and getting a policy to cover the policy. My monthly billing statement even lists my insurance coverage so I am not sure why they think the property is uninsured.

by Anonymous From Dundalk, MD on April 29, 2008

I am being harassed about my hazard insurance by TBW. I think they have a scam going so that they can force 'their' preferred insurance carrier on you and the preferred insurance carrier gives TBW a kickback. I have provided information for every letter they have sent me and now I am in danger of having them force their insurance company down my throat even though I have had hazard and flood insurance on my property since I bought it. DO NOT CALL THIS COMPANY. EVERYTHING YOU DO WITH THEM, DO IT IN WRITING AND IF YOU MAIL THEM A LETTER, SEND IT CERTIFIED WITH RETURN RECEIPT REQUESTED - OTHERWISE IT IS YOUR WORD AGAINST THEIR WORD. THIS IS A COMPANY TO BE VERY WARY OF!!!!!!! I have only had my mortgage with them for five months and I have been harassed at least once a month on one issue or another.

by Anonymous From Macon, GA on April 26, 2008

TB&W was made aware of our hardship as soon as we were made aware of it. We've communicated with them twice a month or more for the last four months. We've saved our mortgage payments since they won't take them; we can bring our account current but they won't let us. They won't let us succeed - it seems they want us to fail. We wouldn't recommend them to anyone buying a home, first or fifth. This has been such a nightmare. My wife doesn't sleep or eat; we've gotten behind on other payments trying to give them what they wanted sooner - we just need to get caught up---on everything. I hope finding this sight was an answer to our prayers.

by John Smith From Tampa, FL on April 25, 2008

As I read these comments, I see a lot that deal with late payments (that's your fault), repeat requests for documentation (that's your broker's fault), and poor customer service (that's TBW's fault). TBW is a WHOLESALE lender which means the brokers supply TBW with the information that's needed so if a borrower is receiving repeat requests for documentation it means YOUR BROKER lost it...not TBW. In regards to your late payments, that is YOUR responsibility and no one else's. If you provide proof such as confirmation online that you made your payment, all you have to do is submit it to the credit agency as evidence you paid your mortgage on time. Honestly, I can't believe people don't have this type of common sense. We live in a society of just passing the buck. Grow up.

by Anonymous From Paoli, PA on April 23, 2008

great company- very pleasant to work with and they always get the job done!

by Brandy Gray From Phoenix, AZ on April 15, 2008

I am a mortgage broker and I used TBW on about 10,000,000 worth of construciton loans. TBW was set up to pay my initial Yield spread (aprox 1/3 of total ) at the time the loan closed and the remainder when the loan modified to a permanant loan. They have now decided to NOT pay the remaining 2/3 of my YSP. If this same thing has happened to you please let me know and I can help you get your money. I can be reached at wholesaleloans@cox.net

by Anonymous From Camp Verde, AZ on April 13, 2008

by Tim Manning From Grantville, GA on April 09, 2008

by Anonymous From Grantville, GA on April 09, 2008

my insurance company called they have not made the first payment. they say they will call you back and don,t, i,m trying to keep my home. but talking to a robot.i,m not asking for any pitty,just a litte attention. (this is my home)

by Anonymous From Macon, GA on April 04, 2008

by KAREN From West Palm Beach, FL on March 21, 2008

ESCROWED HOMEOWNERS INSURNACE NOT PAID BY DUE DATE 3 YEARS IN A ROW Every year it a different excuse and I spend up fretting for a week or so and worrying about getting cancelled. This is the worst experience I have ever had and they promise to call you back and they don't. They say they note your account and they don't. This company should be ashamed. Anyone else have escrowed moneys not being allocated on time?

by Kevin From Leesburg, VA on March 19, 2008

Notice to those with complaints vs TBW. I've written to the Better Business Bureaus of Ocala, FL (where TBW has its HQ)and my city, the Attorneys General of FL and my state, the Banking & Finance Dept of FL (regulators of TBW as a mortgage company)and my state, the US representative for Ocala as well as the FL senators, and the credit bureaus. If all of you will complain we can become expensive customers. A VP signed a letter in response to a complain with a credit bureau. If they won't correct their mistakes, at least make their vp's or somebody respond to complaints and be an expensive customer.

by Frustrated From Lilburn, GA on March 19, 2008

First off, I want to say that TBW bought my mortgage, I didn't choose them. I paid my Dec payment online however TBW did not withdraw funds nor did they inform me of this. when discovered, the pmt was 30 days late. they hit me with a late and nsf fee. When I called to resolve, When I called, they won't let me speak to a supervisor. Next I paid Jan 14th for Jan (this time it cleared my bank) and they are reporting me late for that month too. Incredible! What can you do to fight this? I tried complaining to the credit bureaus but they just take TBW's word. Frustrated with TBW!!

by sheldon From Augusta, GA on March 18, 2008

Worst company,sent 1098m to wrong address contacted company 2 wks ago, still have'nt gotten it.

by Thomas Mays From Fort Washington, MD on March 17, 2008

by stop sniveling From Monmouth, ME on March 14, 2008

For those sniffling about poor customer service...your probably in a lot of trouble...I've heard every story about I was sick, I was laid off, I couldn't find my mail box to mail you the check....you can't pay the mortgage, don't cry about poor customer service....stop blaming people because you got sick or lost your job...I bet you waited till you 90+ days late when the foreclosure notice came....too little too late...pack your bags...and for the wife who was on hold for an hour....you need a tissue? You want compassion go to church...Jesus is going to tell you to grow up and get in line with everyone else.

by Steelo From Charlotte, NC on March 13, 2008

I currently have a loan in processing with TBW and it is sickening that I've turned in ALL conditions over a week ago and they haven't signed off on a one of them. Brokers, get signed up with Freedom Mortgage as they have better customer service and their turnaround time is AWESOME!

by A Pissed Off Ex-Employee From Ocala, FL on March 12, 2008

TBW is the worst company to work. They treat their employees like crap and they pay even worse. I worked in the FHA Dept and had to work with a RACIST team leader, an ass kissing associate, and the dumbest supervisor known to man(BETTE). They suck big time...

by val draper From Fraser, MI on March 09, 2008

Taylor Bean & Whitaker has BEEN VERY GOOD TO ME VAL DRAPER FRASER better get the lie i did not say off your net

by dwight draper From Warren, MI on March 09, 2008

good job pete betty

by DALE LONG From Yale, MI on March 01, 2008

THERE NOT WILLING TO HELP NOBODY. THEY JUST WANT THERE MONEY. I TRIED TO TELL THEM I WAS OUT OF WORK DUE TO AN ILLNESS, THEY DONT CARE. WHAT CAN I DUE I CANT LOOSE MY HOME I HAVE 5 KIDS.

by Anthony From Odenton, MD on February 28, 2008

TBW's "customer service" is atrocious at best! Our average hold time is approx 17 minutes. Yesterday my wife was on hold FIFTY EIGHT MINUTES! She finally got tired and hung up! We didn't choose TBW, our mortgage was sold to them! I will make sure the next time we purchase a home, we will insist the lender divulge their plans to sell off our mortgage. If TBW is anywhere in the sentence, we'll look elsewhere!

by Valerie Draper From Fraser, MI on February 25, 2008

I did every think they told me to do they held Dec payment and would not take Jan payment sent my check back asking for more money now knowing I do not have that much money to give them , I feel they lied to me . iam a single mom we had some bad hart ship there just not willing to work with us ,not caring that I have young children I worked bvery hard to keep tis house , they just want my home . iwas told 30 more days

by andy center From Lake Arrowhead, CA on February 20, 2008

we usually make our payments early and often make payments toward principal reduction. tb&w posted our early payments as late which hurt our credit and caused us to not qualify for a loan with another bank. it has now been more than 10 months since they said they would correct it and it still is not. terrible operations and follow through.

by Anonymous From Stone Mountain, GA on February 01, 2008

There hold times to reach a customer service rep is terrible. I have held up to 45min, and still no help.

by Susan Ziebart-Roth From Burnsville, MN on February 01, 2008

Have been attempting to resolve a TBW related issue (posted my mortgage payment for December then reversed it and charged me a late fee) for the past month. We've encountered obstacle after obstacle with TBW, the most significant being the extremely long hold times to reach a customer service rep. I'm currently "on hold" and have been for 47 minutes. This is not unusual. Linda Thomas, CS, has been as helpful as possible, but admits hold times average one hour. This is unacceptable from a consumer standpoint. We'll be refinancing to obtain a better interest rate AND to escape any further dealings with Taylor, Bean and Whitaker. Absolutely the poorest customer service I've ever encountered with any company.

by dorline jordan From Panama City, FL on January 27, 2008

by Domenico Mammoliti From Sorrento, FL on January 25, 2008

I could no longer afford my home. I bought it two years ago with zero down. I called Taylor, Bean and Whitaker to discuss my options. I wanted to deed the house back to them to avoid the market here in Orlando. They suggested I try to sell it, and they would help by freezing the balance while I had it on the market. After three months I found a buyer. I priced to cover the balance,realtor fee and closing costs. At the closing, the Pay-off from Taylor, Bean and Whitaker included the three month of interest, costing me a fortune to sell my house. I called them to express my outrage at their underhanded tactics, and I was told that I signed a contract and was responsible for the charges.

by Dave G From Catonsville, MD on January 23, 2008

They suck. TBW sold my loan to another company after one year, and now i have to pay Wells fargo a $10.00 service fee per payment to pay online with my bank.

by Anonymous From Central City, KY on January 19, 2008

by P.O.ed From Katy, TX on January 13, 2008

I hope the feds get these people because they are the worst. I didn't like the terms of a loan I was approved for with another co. so we tries these idiots. They received my COMPLETE file the day after Thanksgiving and I still couldn't close until 1-10-08. NEVER AGAIN

by Metro Mortgage From Bonita Springs, FL on January 11, 2008

Been lending for almost 20 years and TBW's staff is one of the most helpful and "Southern" kind of folks I've ever met. I don't always think they are using their best "common sense" but I've had nothing but good treatment at their hands. A few clients have complained and I've asked them to send me their issues which I've always been able to resolve. My apologies to those of you who are suffering poorly - it may be the industry's "issues" that could be causing some of these problems. Terry - Bonita Springs

by looking to purchase From Trenton, SC on January 10, 2008

i have contacted this company over 50 times in an effort to PURCHASE one of their homes however i intend to use my own finance company and the problem is NO ONE EVER CALLS ME BACK. one person has called but has failed to arrange for a viewing of the property. YOU CAN'T MAKE MONEY IF YOU DON'T CALL INTERESTED AND POTENTIAL BUYERS BACK IN A TIMELY MANNER.

by Anonymous From North Attleboro, MA on January 08, 2008

Taylor Bean is really the bottom of the barrel as far as service goes. I am a retail broker and have used them for several transactions and they are really just horrid to work with. They are very uneducated and if anyone ever returned a call I would fall over dead of shock. Ask the same question of three different people and you get three totally different answers. The Braintree MA office should just be shut down or at a minimum the Manager should be fired. I would rather deal with just about any other lender.

by Anonymous From Lake Worth, FL on January 02, 2008

This company has the worse customer service concerning mortgages. I called them in January 07 advising them to do another cost analysis since my new property insurance doubled by being shoved over to Citizens in Florida. They advised there is no need to do that, they cannot because the analysis was already done and can only be done once a year. I think that's crap. I am now stuck with paying for more back into my escrow because of their failure to add it in 07. They claim there was no call ever made which is another crap. They keep giving me 4 different figures now on what I owe them. They also failed to pay my 2006 property taxes, I had to call them on this to have them pay it, a week later. I guess my only alternative is to file a complaint with my Governors Office. They have you on over 30 minute hold time. When you know and ask for a specific team to speak to, they ask you the security verification. Each team that connects you ask it all over again. Their CEO and below are incompetent people that are not seeing what the CS team is doing. I guess there is no monitoring for training purposes because everyone will have to go through retraining. Oh by the way, technology advances in a company systems means nothing unless the people know about the functions and how to answer correctly to a customer.

by Bill From Pikesville, MD on December 18, 2007

Not that happy with TBW. They pull a lot of crap.

by Anonymous From Bloomington, IL on December 17, 2007

I asked for a payoff request (to pay the remaining balance) and they told me they'd send me a bill with the amount by 5pm the following business day. I called two days after it should have arrived and they told me that I was wrong in waiting for the request and they couldn't send it to me that fast. In the mean time, they continued to charge me interest. I had them pull the recorded phone message and review it. When I called back, they acknowledged they were in the wrong but said that there was no way they could have gotten the request to me in two business days. I mentioned overnight mail and they said it was my fault for not knowing that they don't use overnight mail. Support is a joke and the people working the case are incompetent, telling me that I have to pay for their mistakes. I will never recommend nor use them ever again.

by Anonymous From Saint Louis, MO on December 12, 2007

I am hearing that TBW is having problems funding their loans. Any word on their solvency?

by Reader From Salt Lake City, UT on December 02, 2007

I feel bad for the people who were not treated right by TBW. I can see why the company is hiring Customer Service Reps out of Utah. Any company should know that pouring money into Customer Service, not only keep customers coming but happy and they would be returning for business. Having only a good rate but no Customer Service can be a downfall for any company. I hope this will straighten up Customer Service for TBW and finally not only show they can give you good rates on their loans but also take care of their customers. ;-)

by Ed From Yorba Linda, CA on November 27, 2007

We were referred to TBW by Kinder homes for a construction to perm loan for a new home (The ABATE) in Ocala, Fl . The loan process has been a NIGHTMARE. We just found out today 11/27/07 that they had placed us on default status in July 07. We were never notified of this and they did not have a problem taking a check for $1500 after the default supposedly took place. We kept our construction loan payments current and are still working on the perm loan but now we do not know where we stand. I called them today to find a resolution and they were less than professional. their Lawyer seems to be more of a people person then the people I spoke with at TBW. Would definitely love to hear from others in the same situation (Kinder Homes blames TBW and TBW blames Kinder Homes for this mess!!) Humintman@yahoo.com

by Sue From Mount Laurel, NJ on November 16, 2007

I worked for one of the Branches of TBW for 2 years and had the pleasure of working alongside of some of the most intelligent, informed and overall good people that I have ever come in contact with. I have worked in the mortgage/title industry for over 12 years and I must say that those who are commenting on how incapable they are, are the ones with the issues. You will not find a better group of people or company. If they'd only open a branch in NJ, I'd be PROUD to work for them again. To the rest of the people have commented...get a grip, stuff happens and no one is perfect. Have a little patience.

by Anonymous From Lexington, KY on November 06, 2007

90% of all the negative comments on this blog are either 1. From competitors who are getting blown away by all that TBW offers, or 2. From some incompetent bottom feeders that have been fired by TBW. This company is too busy closing loans to reply to this stuff. Kepp up the excellent work!

by l. Willis From Surprise, AZ on October 23, 2007

Stupid, stupid, stupid, stupid liars

by Anonymous From Plainfield, NJ on October 09, 2007

they are horrible in helping us with our problem. they wont take a partial payment, and their customer service is absurd!!

by Anonymous From Saint George, UT on October 04, 2007

I am a mortgage broker that does a high volume of loans. I only use TBW when I have too. True, they have put a lot of time and money into technology. This is there most attractive trait. However, when it comes to customer service they are among the worst. They have a cooperate culture that is very weird. As a mortgage broker that does business with them....they treat me as bad as the customers that make payments to them. I can not in my right mind put one of my borrower with this company. Country Wide is a great company that treats there customers right. TBW is satisfied with crappy service because they offer decent rates to there broker partners. But I would challenge any broker to tell me that they are the best company for there borrowers. The people that work for TBW are not educated in the laws, or in the mortgage industry. I often have problems with them getting there FHA loans insured by HUD. They have closed out cases with HUD that should not have been closed out. This has make it hard for several borrower to refi. This was all because they have uneducated people working there. This is not the only mistake they make, but an example. If you have a mortgage broker that is going to send your loan through TBW tell them there are many lenders out there with just as competitive rates. I would never recommend this company to anyone....and I wish management at TBW would start remembering who keeps them in business. It is the customer. Mortgage Broker from Utah

by Anonymous From Fernandina Beach, FL on October 04, 2007

I will like to first start out by saying that I have been in the business over 20yrs and have worked with numerous lender, and I have to say this is by far the worst. I obtained my mortgage thru Taylor Bean, made payment on time, 1 time it did not register, they decided to call me a day after the 30 day (not the 29th day) as to advise me that they did not receive a payment, I explained to them initially and gave a contact number for my cell, as I travel by air and sometime do not receive my mail right away, however I paid immediately on the phone, I ask them would this be considered a 30 day late on my credit report they stated, yes, well I found the printout showing where I made the payment, could you believe when I sent in the printout, they in turn sent me a letter stating no error has been made on their part, just make me wonder what happened to CUSTOMER SERVICE . and how much time do we have to continue to pick up the phone and stay on line a minimum of 40 min. each time for follow up., because as you know , someone else can help you, with no help at all??

by Anonymous From Albuquerque, NM on September 17, 2007

Customer service is almost non-existence. Phone calls result in at least a 45 minute wait.

by Anonymous From Tooele, UT on September 11, 2007

WHERE IS THE ACCOUNTABILITY? TBW DOESN'T FOLLOW MY STATE LAW REQUIRING MORTGAGE COMPANIES TO ACCEPT ANY PAYMENT FROM THE BORROWER. THEY SENT MY FIRST PAYMENT BACK TO ME BECAUSE IT WASN'T THE FULL AMOUNT. IT WAS A TEST PAYMENT THROUGH MY BANK BILL PAY ONLINE. ON HOLD FOR OVER 50 MINUTES IS NOT COURTEOUS! WHEN TRANSFERED AGAIN AND AGAIN BECAUSE THEIR CUE CARDS DON'T TELL ME WHY THEY CAN'T ACCEPT PARTIAL PAYMENTS. THEY HAVE DONE NOTHING TO GAIN MY RESPECT ACCEPT A GOOD RATE. THESE DAYS EVERYONE IS GETTING A GREAT RATE.

by Anonymous from Florida From Brooksville, FL on September 05, 2007

Taylor Bean & Whitaker is the worst experience we have ever had. We are borrowing $80000.00 less than the appraisal and they still want another comparison after we gave them two very good ones. This has been ongoing for almost two months, we are going to another lender. Thank GOD.

by john smith From Phoenix, AZ on September 01, 2007

Recently closed on a loan with TBW and discovered they don't know squat about FED & local banking laws or they simply choose to break and ignore them. flailed to follow RESPA and HUD requirements. Title person was not much help and really is like all the rest of them - dumb ass a rock when it comes to legal requirements. Based on above comments may move to a larger and stronger mortgage source (450 million is much of a base) if TBW is still around in 3 - 6 months.

by m. sparti From Glen, NH on August 31, 2007

So far, so good. I have a bi-saver that has worked well. Previous GMAC loan holder was a nightmare. No one could be as bad as that bunch.

by Nguyen From Lowell, MA on August 31, 2007

I had mortgage account with TB&W for 3 yrs. my escrow account had many mistakes. The tax amounts paid and reported on my statements did not match with history report as well as the tax bills I received from the city. The statements showed five tax payments paid to City but I only received four tax bills from the city. This mistake made my account every year had the shortage balance. and then I called them to figure out this mistake. They hang up.

by Terrell From Lawrenceville, GA on August 20, 2007

I have done business with Taylor Bean & Whitaker for 9 years. Despite some of the comments posted, they are a good company. They have some of the best technology on the market. The online site works well. I have made 11 payments and NEVER a problem. Setting up my online login was simple. I suggest some of their customers actually learn how to properly use online applications OR take more PERSONAL responsibility in their finances. If I did not believe in how they operate, WHY WOULD I CONTINUE TO SEND MORTGAGE TO THEM FOR 9 YEARS????? Being a small community bank, I would go elsewhere. KEEP DOING A GOOD JOB TBW!

by Jason From Morgan, UT on August 17, 2007

I originate loans with TBW and I personally have 4 loans with them. They use more common sense in decisions than anyone I have used. The loans I close in a small town result in very happy customers...or I would definitely hear about it and not get so much repeat business. Title companies, borrowers & brokers all LOVE TBW! Find a competent broker or community bank like ours (in Morgan, Utah) and you'll find the process amazing and you'll love the rates & fees!

by Anonymous From Andrews Air Force Base, MD on August 16, 2007

I had better and worse. but TBW's "true pay" sucks

by Shayne Rodriguez From Kennesaw, GA on August 07, 2007

I'm a new customer; erroneously set up 3 initial payments; received no assistance from the company to resolve the issue; had to pay $30 in fees, future pmts must be made in money orders for 1 year; trying to be a good customer, treated like one trying to pull a scam; company rep was determined not to provide customer satisfaction

by Anonymous From Brooks, GA on August 06, 2007

Your custemer no service is one of the best I would like to keep my morgage with you but you will not come to terms that other lenders will there fore I will take my loan some where else.

by Anonymous From Lexington, KY on August 06, 2007

This is the worst company I have ever dealt with. I was told I was approved, gave notice to my landlord, even given a closing date, now I am homeless. I spent money to pay off debts that were supposed to seal the deal and they still want more. I am getting an attorney involved. I should not be homeless with a fiance that suffered a stoke. Please go somewhere else!!!

by Dawn From Belleview, FL on August 06, 2007

I have had a loan with TB&W for the last five years, the only comlpaint I have is their customer service. Usually when I have to call for one reason or another, I have to sit on hold for at least 40 minutes!!! Then I get to speak to someone ho only passes me along to someone else and then even that person is unaware of how to answer my questions. I really believe that they are given a card to read from so as nt to give you any information at all! TERRIBLE CUSTOMER SERVICE...

by Frustrated From Seattle, WA on August 05, 2007

Applies for a loan, they have asked for the same paperwork 3 times! The have lost documents. although they deny it, I've asked why they need bank statements refaxed after 2 previous times, in which they acknowledge recipet, buta little more than 2 weeks later need the refaxed. Out of control, we are applying with another lender thats a bit more organized.

by Rik From Las Vegas, NV on August 05, 2007

Refinanced and unfortunately got this company bought the mortgage. Gave me a late fee for the 1st payment arriving one day late due to online banking. Would not budge on the fee. Sent letter and still would not give a courtesy one time forgiveness. No customer service.

by Brian Fischer from Saint Peters, MO From Saint Peters, MO on August 02, 2007

Company has great rates, easy to deal with Customer Service, online bill pay, very easy to work with from start to finish, loan was reviewed quickly and closed even quicker, I recommend this company to anyone

by Carrie From Roy, UT on July 31, 2007

Trying to get approved for a loan through this company has been a nightmare. There online tool went down and our applications was never received. My finance applied on his own and was "pre-approved" they then told us he should have never been pre-approved and made us apply again together. Now, they have come back saying we make too much money for the loan and they are now processing the application under just my income. It has been constant back and forth with them asking for redundant things like written verification of the verbal verification of my employment when they have already received a written verification in the first place. I highly suggest that anyone looking for a mortgage GO SOMEWHERE ELSE!!!!

by Anonymous From Las Vegas, NV on July 25, 2007

For the past 3 months every time I call the phone system hangs up on me saying there is a technical problem and I can't get through to anyone. I have to call and select "business partner" instead of "Consumer" to get through. I have complained numerous times and still the same problem for over 3 months.

by Jennifer From Loganville, GA on July 16, 2007

This mortgage company is ridiculous to deal with. Unfortunately my mortgage was sold to them for handling. I called because I was having problems logging in to their website to make a payment, I was pressured into making a payment by phone - after giving them all of the information that they pressed me for I hung up and thought nothing else about my mortgage payment. Two weeks later I got a letter in the mail saying that my mortgage payment was late, that I owed an NSF fee, a phone payment fee, and a late fee. When I called to see what in the world was going on I was told that I gave them the wrong account number. They would not tell me what number I had given them nor would they let me hear the recording - in other words it was their word against mine. I quickly sent in a check by mail with all fees they demanded, the late payment, and excess to go towards the principal. Four months later I was still getting letters saying that I owed an unpaid Late Fee. I called five times - and no one could fix the problem. In a nutshell - this company is a scam! I hate the fact that they have my mortgage and I will NEVER do business with them in the future - I suggest everyone else stay away.

by Shayne From Kennesaw, GA on July 06, 2007

New mortgage loan, erroneously made 2 additional online pmts. canceled pmts and contacted Taylor, Bean & Whitaker. They insisted I pay the $30 return fee even though I gave a heads up. This was a new loan, first time payment. Felt their customer satisfaction approach was much to be desired.

by DELICIA LOGGINS From Detroit, MI on July 03, 2007

I THINK THIS IS A VERY WELL MANAGED, AND ORGANIZED, PROFESSIONAL AND UNDERSTANDING MORTGAGE COMPANY. I ENJOY HAVING THEM AS MY MORTGAGE COMPANY - VERY PROFESSIONAL AND COURTEOUS.

by Anonymous From Burlington, MA on July 02, 2007

I have been very happy with TB&W. They have great rates and are a joy to work with.