Vanderbilt Mortgage

by Anonymous From Lake Charles, LA on August 27, 2008

I agree with every single one of these comments.. they have the worst staff i have ever had to deal with...

by Thomas Coyne From Oklahoma City, OK on August 22, 2008

lost three money orders and never lifted a finger to help.

by Anonymous From Grand Rapids, MI on August 21, 2008

by Andy From Mount Clemens, MI on August 21, 2008

Everyone will love this one...the top advertiser for this site (Mobile Home Financing or refimymobile.com) is actually Vanderbilt offering refinances! Call the number if you don't believe me.

by goodguy From Cumberland Gap, TN on August 20, 2008

vanderbuilt mortgage is one of the worst there is they messed up i am trying to fix up my credit what they put on it didnt help none it made things worser for me

by sandra layne From Dickinson, TX on August 13, 2008

i tried to get on the website"mortgage.com" to try to look into being apart of the lawsuit, but you have to pay a lot to get on. you have to buy a subscription to the site. can anyone tell me how i can get to these people?

by Carolyn Murphy From Camden, SC on August 12, 2008

by Anonymous From Claremont, NC on August 08, 2008

VERY RUDE PEOPLE ,LETS YOU KNOW PEOPLE WILL DO ANYTHING FOR MONEY.DO THE EMPLOYEES THINK THE CEO GIVES ADAMN ABOUT THEM. NOT!!!!!! THE ASS----ARE JUST MAKING THEM RICH. THE BIG SHOTS KEEP THERE HANDS CLEAN.

by Anonymous From Leander, TX on August 06, 2008

Collection Harassment Class Action Two class action lawsuits have been filed against Vanderbilt Mortgage and Finance Inc. Among the abuse the plaintiffs allege were phone calls which were made as many as eight times a day, their attorney told MortgageDaily.com. A spokesman for Vanderbilt told MortgageDaily.com the charges were "unfounded." http://www.mortgagechronicle.com/home111706.asp

by Anonymous From Abilene, TX on August 06, 2008

After a decade of putting up with their legalized robbery and well practiced customer disservice, I dumped them. My only regret is that I didn't do it sooner. The next time you're looking at one of those pretty new Mobile Homes being financed by VMF take a good whiff of the underlying scent of formaldehyde underneath that pretty facade -- that's the scent of VMF pickling you and picking your pockets for years to come.

by Anonymous From Panama City, FL on August 06, 2008

by josephine From Maury City, TN on August 04, 2008

I have a loan with vanderbilt, when i first bought my mobile home it was with associates housing finance and then vanderbilt mortgage bought it probably 3 yrs ago and they r nothing like associates my payment had a grace period of 15 days and vanderbilt doesn't like if my payment is due July 15th, I always send them a payment by money gram on the 13th, or 14th, but I never pay a month behnind and i always let them know like on the 15 or 16 when my next payment will be and they will put it down then the next day or so they go with this calling, i have about 3500 to pay so when January comes i'm taking my taxes and be done with these rude people i have never and i mean never worked with a company that's so rude and advise anyone not to fool with these people!

by crystal odom From Reevesville, SC on July 28, 2008

by NA From Nickelsville, VA on July 25, 2008

They suck....

by Adrian From Muskogee, OK on July 21, 2008

Vanderbilt is the worst company ever. I am a christian and hardtimes and bad things do happen to good people and Vanderbilt does not care and yes there employees are very very rude but what goes around comes around. All Vanderbilt does is take your land, they do no type of negotiating to help anyone God bless us all who have gone thru this nightmare with vanderbilt but VENGENCE belongs to God may God lift all the burdens off of us victims of Vanderbilt may God bless Vanderbilt that they have a change of heart and help people in need if not may the wrath of God have mercy on Vanderbilt AMEN!!!!

by Anonymous From Chandler, AZ on July 19, 2008

They are always rude and pushy. They talk down to you when you are already having hard times. They keep telling us we can't make the payments we can afford. Within two months, we would have not only been on time with our payments, but we would have been early with the last one. They don't want to help at all, only keep tying our hands behind our backs. Now we are losing our home of 10 years and all they say is to ask churches etc for the money or find someplace else to live because the sheriff is going to escort us out.

by mad as #%^%$ From Pine Hill, AL on July 19, 2008

vanderbilt bought our mortgage from oakwood.I think they are evil,verbally abusive,and unhumane.This is for the office in birmingham al.Currently trying to find a lawyer who will sue their #@%$%!

by Anonymous From Lyles, TN on July 10, 2008

monthluy payment went from $438.00 to $608.00 in a 9 month period. I had a fixed rate. Vandy stated that insurance cost increased, which was a lie, but they own the insurance company tool. Lost my home. Run from this mortg. co.

by Anonymous From Moores Hill, IN on July 01, 2008

I have never dealt with them yet but I sent an email for information. I think I will not deal with them after reading the terrible things they do to people.

by Anonymous From Flagstaff, AZ on July 01, 2008

THIS IS EXACTLY WHAT HAPPENED TO US!! THEY WOULD NOT TAKE PARTIAL PAYMENTS AND I JUST IGNORED THEM BECAUSE THEY WERE A@@HOLES!!I TOLD THEM TO TAKE THEIR SH@%%Y HOME BACK AND STUFF IT....."I called and talked to a lady named Diane and set up a payment date for that following Tuesday to pay $1,200 of the $1,800 we were behind. Before that Tuesday came, another rep called, of course to inform us we were in default, and I told her that we had already scheduled to pay $1,200 that coming Tuesday. She refused and said we were $1,800 (don't remember exact amount) behind and that anything other than that exact amount was unacceptable. She said she could take my $1,200 but couldn't guarantee that it would be applied towards the delinquency and that we could still be facing foreclosure. So naturally, I wasn't going to go through with the $1,200 payment if it was a 50/50 chance. She basically told me to start looking elsewhere to live. I just couldn't understand as to why they were calling and harassing the hell out of us if 'payments weren't an option' anymore. They continued to call and I continued to ignore them. Who wants to answer the phone to reps on a power trip who want to verbally abuse and degrade them? Not me.. The rep had told me they were going to start foreclosing since I didn't have the exact amount that was past due. My hands were tied so I told her ok, whatever. The following week I got a certified letter that I didn't sign for because I wasn't about to make their foreclosing process easy. They continued to call and literally EVERY phone call was verbal abuse. We were told to get our 'asses out' and we were also told by a male rep that HE would physically remove us if he had to. About a month after I talked to the rep about offering the $1,200, a Sheriff served us papers stating that we had been sent a certified letter (the one I didn't sign for) that gave us 30 days to get the payments caught up or they would proceed with foreclosing. What the HELL?! The rep TOLD me that payments weren't an option weeks before that point, which was why I didn't sign for the damn letter!! So payments WERE an option but I was lied to. Simply put, I was set up to fail. Good job Vanderbilt assholes."

by sandra layne From Dickinson, TX on July 01, 2008

to james from mount pleaant,tx. can you please include me in any tawsuite or complant invalving vanderbilt.just let me know what i need to do.

by James From Mount Pleasant, TX on June 30, 2008

I am calling the Texas State Attorney General Office regarding the bad dealings that my family is going through with Vanderbilt. Enough complaints to the Attorney General's office will spark interest into an invertigation. Also this can possibly be a target by a Mortgage scam effort trying to make it look legit. They use unfair intimidation and verbal force to get people to pay. There are Texas laws in place to protect you and Morgtage companies like this can and are being fined. They take advantgage of your ignorance to martgage loans documents and once they have you over a barrelthey are in for your land which can be worth more then the home. Be careful and ask questions. If they won't answer or explain any parts of the paperwork, walk away. They are out to cheat you in one form or another

by Anonymous From Mount Pleasant, TX on June 30, 2008

by Steve From Birmingham, AL on June 27, 2008

I will pray for Mr. Clayton when he prays to god for all the hardworking people he has taken advantage of. I wonder if the democrats go into office if the mortgage industry will change its ways. I have dealt with Vanderbilt from customer service to collections and they are the most ruthless ompany I have ever had to deal with. Their customer service will tell you one thing and then their collections another. I am in my home current on payments but for real when will companies learn especially the struggling ones that Customer Service is number 1. Oh well. I have filed a complaint with the Federal website.

by wn From Burgaw, NC on June 26, 2008

The people there are very rude. We just had our mh sold about 2 months ago. We have had a time with them. At one time one of the head ladies told me to go out on the street and make some money. I have spoke with the president of the company and his assistance. Everyone needs to get a lawsuit going also maybe one for claytons Mobile Home since Vanderbilt owns them. Will keep watching. WN from NC

by Anonymous From Kenly, NC on June 25, 2008

after buying our mobilehome from vanderbilt fixed rate we were sent a notice they did'nt add insurance in our payment raised 100 extra we were lucky and found someone to buy it but lost our land because we used it for collateral it was paid for i hope there is a lawsuit i was talked to terrible to by this company and after i found a buyer they did;nt want to give info needed to but it.we are older and half to start all over.

by sandra layne From Dickinson, TX on June 20, 2008

i just got off the phone with Vanderbilt. i told them once again to come get the house. i'm not messing with these people any more, now..after telling me for years that they are going to take it....thay said if i dont pay they will garnish my wages.and she also said "we have ways of finding people"

by Anonymous From Jacksonville, FL on June 19, 2008

by Constance Williams From Deer Lodge, TN on June 19, 2008

after reading the comments of others, it is the same story as ours. They talk to you like your stupid and trash. I have been told to not pay my electric bill and others to send them money, go to church and beg for money to send to them,If there is a lawsuir against them we would gladly sign it.

by Melinda,TN From Newport, TN on June 17, 2008

I have had to deal with Vanderbuilt for nearly 13 years.I have had the same bad experiences as everyone else.There should be a law against the harrassing phone calls.I think they want you to fail.Someday they will reap what they sow.Hang in there.If a lawsuit comes about I need to know where to sign up.

by sandra layne From Dickinson, TX on June 13, 2008

i sent may comment before i read everyone elses. i would just like to say i am shocked to see so many people have been going through the same things i have goen through for the last 6 years. there is atleast one thing in every story that matches mine, and for those of you that have not had to endure the worst of vandrbilt, i am happy for you. no one should ever have to feel the way these people make you feel.brandy from columbie,mo. said just becouse i live in a moble home does not make me trash. I AM NOT AND NEVER WILL BE TRACH.just a hard working person trying to make it on my owen. thank you all for not having to go through this alone and for giving me some place to vent, becouse lord knows vanderbilt wont lison.

by Tanya Beatty From Rose Hill, NC on June 13, 2008

by sandra layne From Dickinson, TX on June 12, 2008

i woudl also like to know how to sign up for the lawsuit.

by sandra layne From Dickinson, TX on June 12, 2008

4 years ago i owed 2300.00.last month i owed 2600.00. you doent even have to know how to add to know this is wrong.and paig is the worst purson i have ever had to deal with.she always get really bad when i need help the most.i have given up, thay can have it back.

by Anonymous From Farmington, NM on June 11, 2008

to all the vanderbilt employees that harass people in time of great need go to that place you fear and put all yuor heads where the sun does not shine I paid $64800 but they still want more I hope the ceo of this company see because you suck

by gayle clah From Farmington, NM on June 11, 2008

by Anonymous From Irwin, PA on June 10, 2008

by Anonymous From Wichita, KS on June 07, 2008

These guys suck. Period.

by happytoleaveinlouisiana From Ponchatoula, LA on June 05, 2008

Vanderbilt has been a nightmare. My husband and I have been in the mobile home for 6 years. He has recently lost his job and we were two months behind. "Robin" called saturday morning at 9 am to tell me that unless I paid that day they would repossess. After a hysterical search, my mom was ready to pay for me and called Robin to pay. She had left for the day, at 11 am. She told me that morning that she could not wait until monday, it had to be that day. So on Monday my husband and I found a huge house 150 miles away and we are moving next week. Big surprise now Vanderbilt keeps calling me to say that they can now accept our money. Sorry Vanderbilt, I have had enough. We are moving. They can have this sh**y home. Like the others here payoff is still 30,000 dollars after 36,000 already paid. I have never delt with any company that has been this nasty over the phone. I work in the accounting industry and have done collections. I am disgusted with how this company does business. These people have called my home, cell phone to leave ugly messages. I have had hang up calls from these people. They have called me and HUNG UP when I answered. I will always warn people about this company and never do business with them again. Where do I sign up for that law suit?

by sorita dunnell From Perry, FL on June 02, 2008

by Mike From Georgetown, SC on June 01, 2008

I'm was two month behind My 31 2008 I sent a payment Western Union that same mring before I got a message from the company telling me to give them a call before noon it will be in my best interest I'm now just 12 days over due just for the month of May can they reposses my home.

by william From Hodges, SC on May 28, 2008

this company is the worst to deal with. they lied and said that i have to have land in my name in order to pur chase a home. my friends mother deed 2 acres to me and when the papers came back they show that she mortagae the land and the land wasn't deeded to me. now they want to foreclosure and tale the land also. how canthat be possible, because i don't care about the house just give her land back.

by doris From Summerville, SC on May 25, 2008

there is no way these people can take your home if you are only ten days late. They are full of bull you know what! There are laws forbidding them to do what they are trying to tell you things they are going to do and I think they get some kind of sick high in being mean to the people that actually pay their pitiful salaries. They probably don't sleep well at night and they have miserable lives and they want everybody else to feel the way they do. If they are happy in their jobs then the devil is doing a good job rounding up his army for the day of judgement.

by GALE Williams From Nacogdoches, TX on May 17, 2008

They have been ok just putting major pressure on me non stop and refused any partial payments that I have offered, I have really been trying very hard to stop this. I do not want to loose my home!! I wish I could just give them all the money I owe and i have tried to give them some and work out getting the rest but they refuse.

by Anonymous From Goldsboro, NC on May 12, 2008

by Anonymous From Goldsboro, NC on May 12, 2008

by anonymous From Knoxville, TN on May 08, 2008

I want to start by saying that I did not put my name because I still have family working at Vanderbilt and I know what will happen to them if I give my name. I worked with Vanderbilt for over a year and decided to leave because I didn't want a dismissal on my work history. What I'm about to tell you is truth and anyone who has left will tell you the same or even more horror stories. I was in need of a job and heard Vanderbilt Mortgage and Finance advertising on 97.5 for employees. I was not sure exactly what they did there but I needed a job to support my 2 children and keep a roof over our head and food in our mouth. I went and filled out an application and was hired in 3 days. I began a training class which consisted of 12 people who were asked if we ever had any experience in collections. Several of the people raised their hand and were quickly told to forget what the knew. The training was very intense and we were all brain dead by 5:30 pm when we were let go. We were taught the basics but not the reality of what we were getting ready to face.. The trainers Blossom and Sandra were fun and tried to make our training interesting but I believe that they were as anxious as we were to get out of that dark little training room. Somebody with traing experience needs to inform them that after afew hours the brain cannot absorb and the rest taught is not retained..Doesn't matter anyway because the training changes once on the floor. Little did we know that the fun ended after 2 weeks and we were placed in the groups we were to work in. The first month was ok because we only had to call accounts who were under 30 days, but, after that, we were expected to know everything about collections. With each manager, there were a different set of rules. Hell, one never knew what to do from one day to the next. People were quitting and new people being trained to replace them. This amazed me because only 4 people were still there that I had trained with. Clayton Rule: 1. You had better stay on the phone for 6:45 min 2. You better make at least 100 calls a day.. 3. You better ask the customer why they are behind, update their net income and list everything they pay, contact numbers, work numbers, hours in their work week, how many in the home and their ages, do you get child support or do you pay child support, do you get food stamps.. 4. You better make a score of at least 95% on mercom (mercom is a phone recoding of inbound and out bound calls to make sure you do what you are supposed to do) 5. Read off a list of charities and tell them to go ask for money to help them make their payments because their home will default. 6. Anything else they decide you should have done that comes in their heads. Mercome is a telephone recording system that will only count as a contact if someone answers or you get a recording so be prepared to dial that phone 2-300 times a day. Do whatever you have to do to make contact with that customer. Vanderbilt will do an Accurient on you and find neighbors, family and associates and will call every number until they find you, so don't think you can get by without paying them. The will do a field chase on your address and that is when someone shows up at your door. All this happens if you go over 30 days and if 2 months pass you will either pay up or repossession will take place. They do go by state laws and regulations so if you do not pay this is what to expect. You either pay or get out. No free ride with Vanderbilt, but again, there is no free ride with any other lending institution either. Goals are set for each of the collectors and those goals had better be met or you are out of there. One day you are told how good you are doing and the next week they are taking you into a room and accusing you of not doing your work. Many complaints are on reps for talking mean but actully the majority of mean reps turn out to be the managers or senior acct reps. Some have said that Vanderbilt denies this, but remember all conversations are recorded and kept for any law suit that might arise against them so be careful what you say also when you call. Managers and Senior Acct Reps are the worst. They are like dog eat dog and each one of them are intimidated if a new person comes in and they feel threatened by their job. The WILL write you up over the least little thing or make something up one so beware of both your manager and senior acct rep. I will close by saying this. Vanderbilt is the only company with over 2,000 employees in Maryville who ask their employees who have been there 5 years to stand up and there is 10 at the most..10 yrs maybe 5..15 yrs possibly 3 over 15..lucky if they have 2. Now with a company of about 45% turn over rate this should tell you just how great a place Vanderbilt is to work. They get voted the top because the survey is contolled and top mgt gets to do the survey as well..Just takes a couple hundred people to vote.. They do provide a nice gym and weight room but the peons are to busy calling their customers to use it. This was for the sole purpose of managers and above. If you want them, go to the gym. I'm not a disgruntled employee, just a ex-employee who is glad to get the hell out of that forbidden place. God have mercy on Kevin Clayton when he gets in front of everybody and thanks his god for such a good quarter and gives his employees their 2% raise each year for cost of living. He needs to try it sometime.

by rebecca From Moncks Corner, SC on May 07, 2008

These are the most rude people in the world. I purposely pay late every month just to get them pissed off at me. They call every day on my cell phone and I am not even on the loan with my husband. They think they are slick. but I think its fun getting them riled up! I pay the bills in this house and I pay all of them on time except this one. When I ask a question about the loan I amm tols that my name is not on the mortgage and they can't give me any information. When it comes to taking my money that doesn't maatter if my names on the loan or not, they gladly take it. I only owe about 11 months on this house and I am going to be late on every payment. Afterall they can't ruin your credit if your not over thirty days late. We just bought a brand new boat and that payment will be made on time every month. Vanderbilt can waste their money calling me as many times as they like. I will not pay until the 29th of each month just to make them mad, and they can't do a damned thing about it. Have a good day all you people who work for a bunch of good for nothing theives.

by Asshat From Las Vegas, NV on May 06, 2008

To all the Asshats that say Vandy id Nice and Sweet, go F yourselves with a baseball bat. How the Hell could a company even think about screwing with people after Katrina. I can't stand what they've been doing to Me and I'm sad to see that I'm not alone. And oh Yeah to the Douch's I AM NOT OR EVER WAS BEHIND GET IT.....So post somewhere like employee's at Vandy suck.com

by Alan From Caldwell, NJ on May 05, 2008

My brother was diagnosed with cancer about 3 months ago and called Vanderbilt and ask if they could work something out with him until he started drawing his short-term disability. He talked with his rep and she was so kind and sympathetic. She sd she was sure that possibly he would qualify for an extension since his payment history was excellent. She took some financial information from him so she could do a request for him. He told her he would be able to make at least 2 more payments before he needed the extension. My brother and I was helping him plus he had money saved also. A few days later a manager by the name of Melinda called him and started asking him questions and wanted him to have us write a guarantee that we would be making his payments for him. She told him since he would not have any income that she could not give him the extension. He ask her more questions and she told him that's just the way it is and there was nothing else to discuss about it. Mybrother was so sick and started crying. I never in my life wanted to slap somebody as much as I did that woman. Not all reps are ugly. His rep called him a couple days later and told him she was sorry and that she would work with him. When she calls she always ask him first about how he is doing and hopes everything goes food for him. Without her having to ask Rodney tells her when he can make his payment and she has been so kind to him. Maybe we need to stop and think that maybe the reps are forced to do what they are told or they will loose their job. They could use more like the one Rodney has...

by L. Wainwright From Roberta, GA on May 02, 2008

To the very few supporting Vanderbuilt, YOU CANNOT READ! The whole point a lot of these people are trying to make (including myself) is that finance/mortgage companies do not have the right to arbitrarily increase your payment amount on a fixed rate loan without written notification including details of the charges they are posting to your account. The company is not reputable. BOTTOM LINE!

by Anonymous From Sumiton, AL on April 30, 2008

I was wondering, how do we band together and file a lawsuit against this company, I've been harassed and had my children harassed long enough. I didn't think it was legal to demand a payment that wasn't due yet?

by Anonymous From West Liberty, KY on April 29, 2008

by Glenda Watts From Mountain Pine, AR on April 25, 2008

My son is financed with Vanderbilt. He has had some back luck and got behind. I called to make a payment for him and received horrible treatment because I was not bringing him up to date. Prior to me calling them, they called me at home continuously and called me at work and I don't even owe them any money. My name was just on the mortgage contract as next of kin. They also called my son's aunts, uncles and even great aunts. They have no concept of what federal law stipulates regarding making harrassing calls. I am not finaned with them, but would not recommend them to anyone. During the conversation I was told that my son's case was not unique that most of their customers were having trouble and that they could not allow them to keep something they had not paid for. I suggested that they try to work with the people because the majority of homes they repossess are not worth what the people owe on them. That suggesion was meet with extreme negativity.

by Mo From Rock Hill, SC on April 23, 2008

We bought our mobile home in 1998 and it was $35,000. We have lived here for 10 years and the payoff is $28,000...we have paid them over $40,000 already! We are letting this house go and buying a beautiful $140,000 home before the creditors find out! SCREW YOU VANDERBILT!! Thank God we live in a state where it is illegal for them to garnish our wages!!!

by Pissed On, then Puked On by Vanderbilt From Pocatello, ID on April 22, 2008

I have read through these comments, and I can relate to almost each of them--except for those who have written in, IN FAVOR OF Vanderbilt. In fact, I wouldn't doubt that it was an employee that actually wrote it--trying to defend their actions. I am currently ahead on my house payments, but am still receiving calls from them regarding my "Failure to Pay." Apparently, they are ready to repossess on mortgages that also current. I have had to file Bankruptcy (a few years ago) because of them. I've had everything thrown at me by them--including being dragged into court for their "Proper Accounting Figures." I even tried to turn the house back in, but they suddently wanted to "Work" with me--so sadly I kept the house. I have taken the stance though, that whatever happens, happens, and there are more important things in life than worrying about them. When I tried to give the house back, they didn't want it--so I figure I'm safe--for now. During my 'scraping rock bottom' times, I even considered suicide so that my life insurance could pay off the morgage. That way, at least my small children would have their "Home" if nothing else. I know everyone's pain regarding Vanderbilt, and would gladly stand behind a Law Suit. I hope Vanderbilt & it's ASSociates expect the same treatment that they provide (as a "service" to all of us), when they end up in some of our situation(s).

by Anonymous From Sumiton, AL on April 17, 2008

when my husband had 2 heart attacks and open heart surgery, we got behind, they called my house and told my then 14 yr. old child that he would be homeless because his daddy didn't care enough about him not to get sick, they also called my employer and told them that I wasn't trustworthy, maybe they should replace me before I stole from them. I hope this company gets their just rewards, you just can't treat customers this way and survive.

by Pissed Off!! From Proctorville, OH on April 13, 2008

I am so sick of these people, do they not realize it's a Federal Offense to have their local sales office leave notes in your mailbox and place signs on private property which we own outright??? I'd love to see this company reap what they sow......looking to refinance with a local bank to get away from these nuts!!! I will NEVER recommend Vanderbilt to anyone I know or even my worst enemy.

by Anonymous From Beaverton, OR on April 10, 2008

WOW IS RIGHT! I don't have a loan with Vanderbilt Mrtg. but can't really believe the crying and moaning that goes on when we don't get our way. Guess what, I am a single mom of two and work my butt of to give them everything I can. I have had to file bankruptcy due to things out of my control but then again were they really? Most things that happen in our lives (outside of death) are our choices. If you lose a job go find another, just because you don't want to flip burgers or pump gas doesn't mean that it doesn't pay and if you still can't afford your house payments then stop drinking, smoking, eating out, driving (take the bus) or whatever to make it work. Until you have exhausted every resource quit complaining about someone else doing their job and trying to make a living. They are a national lender, you decided to buy if you didin't think paying them back was important then you shouldn't have bought in the first place nor should you ever buy again. I would hate to be Vanderbilt having to call so many people that default. Some have "just" reasons, others not so much i'm sure. Good luck with your drama and how about thank God that you had the chance to have more than most in your life. SHEEEESH.

by Anonymous From Albuquerque, NM on April 09, 2008

I have been paying on my mortgage for 6 years now. The original loan was $30,000 and was told I owe $28,000!!!! Blew my mind... My monthly payment is $465 x 72 months = $33,480 !!!!! So, I've only paid $2,000 towards my original loan.. sickening... just 150% SICKENING!! That's all i have to say!!

by Anonymous From Cadiz, KY on April 06, 2008

they won't even work with me I called them soon as I found out my husband had cancer hey told me they would not give me an extension or lower my payments,the intrest is 12.99% they wouldn't even consider lowering. we have lived here 10 years .we financecd 55000. and we still owe 42,560.56 this is good till April 30 th.

by Anonymous From Morganton, NC on April 01, 2008

vanderblit mortage company and the people that work for them need too feel and be put in the same postion they have evertone else. My husand on disababled and i lost my job trying too raise 3 kids. Got behind on payments and now we owe more than we borrowed. Paying for 10 years paid 78000 already still owe 101000 were do they get all of this.

by Winnemucca NV From Winnemucca, NV on March 31, 2008

Yes, they are the worst mortgage company I have ever dealt with. I have owned 3 homes - all different mortgages to start with some sold some not to different lenders. VANDERBILT IS THE WORST. My wife got ill and was not able to work - we called and talked to them and arranged payments. The next day a different person called and was nasty - told us we could not move payments to the end or defer payments or make partial payments - all up front or default and repossession. We actually started saving the money, and ignored them to the point they sent us a default letter, then a certified letter and then a lawyer. At that point we had the money and were able to catch up and become current - they did not make it easy and the worst of it was THEIR FIGURES KEPT CHANGING ON WHAT THE PAST DUE WAS, WHAT THE ATTORNEY FEES WERE - ONE PERSON DID NOT KNOW WHAT THE OTHER WAS DOING!!!! EVEN THE LAWYER - WHICH BY THE WAY USED A NUMBER THAT THEY DID NOT ANSWER AND A FAX NUMBER THEY DID NOT ANSWER - I WENT ON LINE LOOKING FOR THEIR NUMBER AND GUESS WHAT - IT WAS A DIFFERENT NUMBER - WHEN I QUESTIONED THE ATTOENY SHE TOLD ME THAT THAT THE NUMBER VANDERBILT AND THE ATTORNEY GAVE ME WAS AN OLD NUMBER AND IT HAD BEEN CHANGED AND THEIR ATTORNEY FORGOT TO CALL AND HAVE IT TURNED OFF. IT IS NOW 5 MONTHS LATER - OUT OF CUROSITY I CALLED THAT NUMBER AND GUESS WHAT? IT'S STILL A WORKING NUMBER - SOUNDS LIKE A SET UP TO ME TO GET OUR HOMES AND NOT WORK FOR US - BY THE WAY THIS COMPANY WORKS FOR VANDERBILT FOR YEARS- IT'S THE ONLY COMPANY IN NEVADA THEY USE - WONDER OF OTHER ATTORNEYS IN OTHER STATES USE THE SAME TACTICS - A WORKING NUMBER AND A WORKING FAX NUMBER THEY DON'T ANSWER? OH - I HAVE STILL YET TO GET A DETAILED ACCOUNTING - THEY DID CLAIM THAT SOME OF THE MONEY WENT TO PAY MY PROPERTY TAXES FOR THIS YEAR - BUT I GOT THE BILL FOR THAT TODAY? SO HOW DID THEY PAY IT AND WITH WHAT?

by Pamela Vasquez From San Benito, TX on March 23, 2008

In short!!! We have been paying our mortgage for 10 YEARS!!! Some late payments. Orginal loan $53,000. we still owe $48,000. there must be laws against this type of ripoff....

by Kristy-Thomasville From Thomasville, NC on March 23, 2008

I agree they are the worst company i have dealt with. I'm afraid i will have a default this month because it will be the 3rd next month. I'm trying to see if i can get this refinanced. most companies will try to help you get caught up if you are late they refuse. can they default if you are over 30 days past due.

by kristy sommerville From Thomasville, NC on March 22, 2008

i just started working with an credit advisor. it's been rough since my husband was laid off and making less money now. my car is about paid for so that will help alot. i just can't get any assistance with these people and i'm scare of losing my home

by Jerry From Morganton, NC on March 21, 2008

This company is greedy....I was attempting to buy a home/w property that they had forclosed on. I offered 10,000 grand more than what the propery sold for...6 months ago! They have it listed 44,000 more than the property sold for 6 months ago,,,,I think I just let them set on this and loose their arses

by No Name From Mount Pleasant, SC on March 19, 2008

Vanderbilt is the worst company that I have ever dealt with. I dread talking to them and after the conversation is done with I feel as though they stabbed me in the neck for calling them in the first place. I have been hanged up on by them multiple of times for just questioning the authenticy of some of the things they said that turn out to be false. They have called me during crazy hours of the day. We all go through hard times. At this point I have sent applications from 5 people to buy my home. All five has been charged too much interest to take the loan or considered a bad applicant. There is no reason why our mortgage should be this high and I am glad that there are people standing up to this company. I have never had customer service where I felt threatened and low.

by Anonymous From Summit, MS on March 17, 2008

NEVER HAVE HAD A PROBLEM WITH THEM FOR THE 2 YEARS I HAVE DEALT WITH THEM. I DID HAVE A MIX-UP WITH MY INSURANCE, WHICH TURNED OUT TO BE MY AGENTS FAULT, THAT THEY POLITELY WORKED OUT WITH MY AGENT. I HAVE AN AUTOMATIC WITHDRAWAL DONE FROM MY BANK EVERY TWO WEEKS, SO I HAVE NEVER MISSED A PAYMENT.

by Tricia Johnson From Americus, GA on March 04, 2008

To all the writers who say you should not buy if you cannot pay, I am sure that most people, like I, were in a position to buy when they initially bought their home. Fortunately, I had always been able to pay my debts although at times they did need to work with me on a payment or two (never a problem with anyone else). However, unforeseen problems arise sometimes and during those times you may need someone to work with you. I had to obtain custody of my granddaughter, something I never thought about happening when I bought my home. When I got behind 2 payments I was calling asking them to work with me and I would catch it up, I did not want to file bankruptcy. They would not work with me at all. So I had to file bankruptcy. My little granddaughter and I have had to move. They started calling me the day after my bankruptcy was filed to see when we would move and never stopped. They have to come get my home and lose thousands of dollars rather than work with me. I hope and pray I never have to deal with these heartless people again.

by Brandy From Columbia, MO on February 27, 2008

I have had the displeasure of having Vanderbilt as my mortgage company for about 5 years now. I tried to get my ex's name off the loan, they told my I would have to fill out a credit application. That was okay by me, I have great credit; but it would cost me $870 to do this! I told her forget it. I have sent a payment in by 6 days late and they started calling me. I told them it had been sent in. The next day I got another call from a different person, same thing. So I checked my bank and it had cleared. To make a long story short, after them calling me every other day on my cell and at work about it, even after I faxed them the draft that THEY had cleared it took almost a month for them to correct this mistake and apply my payment. No apologies nothing! This company sucks. Just because I live in a trailer doesn't make me trash and doesn't give you the right to treat people like this!

by Tammy Jones From Grover, NC on February 21, 2008

they are the worst people in the world, i couldn't take their harassment no more so they got their piece of shit repoed home back they are all about lies

by RDS From Chipley, FL on February 14, 2008

They break every rule in the fair credit laws. They refuse to stop calling my wife at work. They swear at you even question your religion for not paying. someones has got to stop these bastrds.

by Anonymous From Powell, TN on February 13, 2008

They do not care about the people living in these homes and they will harass you beyond belief. There is no way for us to save our home according to them. So I guess they can have it.

by Anonymous From Stokesdale, NC on February 11, 2008

I have a Vanderbilt Mortgage, and yes they can annoy you if you're late. The key phrase is "if you're late". Pay your bills on time and it won't be a problem. I fell behind when my wife had surgery on her knee. I called them when I was a day late and let them know what was going on and the deferred the next payment for me. So don't blame someone else for your misfortunes. If life gives you lemons make lemonade.

by Tracey Cope From Chester, SC on February 08, 2008

by Christy From Tyler, TX on February 07, 2008

This damn company has been a nightmare for us. First of all, we paid $6500 down in 05 when we got the home. We got upside down with our payments last July.(07) Husband changed jobs and new baby came in August. We were a week shy of being 2 months behind at that point. I called and talked to a lady named Diane and set up a payment date for that following Tuesday to pay $1,200 of the $1,800 we were behind. Before that Tuesday came, another rep called, of course to inform us we were in default, and I told her that we had already scheduled to pay $1,200 that coming Tuesday. She refused and said we were $1,800 (don't remember exact amount) behind and that anything other than that exact amount was unacceptable. She said she could take my $1,200 but couldn't guarantee that it would be applied towards the delinquency and that we could still be facing foreclosure. So naturally, I wasn't going to go through with the $1,200 payment if it was a 50/50 chance. She basically told me to start looking elsewhere to live. I just couldn't understand as to why they were calling and harassing the hell out of us if 'payments weren't an option' anymore. They continued to call and I continued to ignore them. Who wants to answer the phone to reps on a power trip who want to verbally abuse and degrade them? Not me.. The rep had told me they were going to start foreclosing since I didn't have the exact amount that was past due. My hands were tied so I told her ok, whatever. The following week I got a certified letter that I didn't sign for because I wasn't about to make their foreclosing process easy. They continued to call and literally EVERY phone call was verbal abuse. We were told to get our 'asses out' and we were also told by a male rep that HE would physically remove us if he had to. About a month after I talked to the rep about offering the $1,200, a Sheriff served us papers stating that we had been sent a certified letter (the one I didn't sign for) that gave us 30 days to get the payments caught up or they would proceed with foreclosing. What the HELL?! The rep TOLD me that payments weren't an option weeks before that point, which was why I didn't sign for the damn letter!! So payments WERE an option but I was lied to. Simply put, I was set up to fail. Good job Vanderbilt assholes. I've read where they have changed some locks or taken peoples houses with their contents still in it. That's BS. If I come home and my locks are ever changed, I'll bust the damn window or pry the door open. Bastards ain't locking me out of MY home that they screwed me out of. I know the other 49 states here joke about us Texans and I have to admitt, it's entertainment and just to validate our stereotype, I'll go plum ass redneck on anyone that comes here trying to pull some shit like that. I understand that our mortgage payments are important but they aren't my ONLY responsibility and YES sometimes other things ARE more important than an 'on time' house payment. Vanderbilt reps DO NOT make note of what you've said to each individual that you speak to. I commend the guy that posted here that worked for them and chose to be a better person than to work for them. It's sad to have to choose between the two because it IS possible to be caring, yet work as a rep for collections. Just not Vanderbilt. This should be their job resume. Are you an asshole? Do you have the ability to make someone feel worthless and helpless? Do you enjoy threatening people and cussing them out? Do you know how to click a mouse? Typing isn't a requirement since we don't take notes anyways. If you've answered YES to all of these questions, your hired. I'm going to call Vanderbilt and talk shit to them like they did me for so long. I'm going to fight fire with fire. I will assure them that they'd rather work with me than come get it. Good luck to all of you dealing with these heartless bastards!

by Anonymous From Maury City, TN on February 03, 2008

Our problem isnt with vanderbilt its with the park manager. He is the biggest liar I have ever seen. They will tell you what ever it takes to get you to sign the paperwork. The tax on the lot went up $7.00 and the manager was at the door wanting that $7.00. pay up or quit? If he tells me its raining, I want it in writing. This house was supposed to be like new. It has so many problems we are selling and getting out of here.

by Anonymous From Pineville, KY on January 30, 2008

I have dealt with these people for 6 years. My payment increases every year. I lost my husband 3 years ago and half my income. They tell me they DO not refinance.I struggle every month to pay my mortgage. These people are the rudest business people I have ever had the displeasure of dealing with.

by Anonymous From Saint Helena Island, SC on January 29, 2008

Vanderbilt Mortgage is not a company that is willing to help you in a difficult time in your life. Our mortgage situation could have been taken care of a long time ago, but our mortgage company did nothing to help us.

by Anonymous From Martinsburg, WV on January 27, 2008

by Anonymous From Bristol, TN on January 27, 2008

The post from North Carolina -- people here can contact Action 9 and possibly get something done about Vanderbilt and their horrible condescending manner that they use with every one. Yes it is illegal but someone has to put forth more effort. Call Action 9 and have their reporters read these post and offer suggestions OR possibly go to Vanderbilt Higher ups and take care of these people. I have posted on this site how to contact Action 9. You NC residents may be the savior for all these poor people. Get with it!!!

by Anonymous From Jacksonville, AR on January 25, 2008

Constantly harassed. The phone calls never stop. I have never had to deal with people like this before. This cant be legal. I hope someone can do something soon. I feel like my hands a tied. I hope these posts keep other people from financing with this company in the future.

by w. james From Florence, SC on January 25, 2008

liars! went through a divorce tried to refinance, told me they did not refinance. once home went back sent a card in the mail days later about refinancing. i called rep said they had been refinancing approx 8 years

by Anonymous From Fayette, AL on January 24, 2008

they gave me a month of no payment when i had my back surgery but i still fell behind and now am being foreclosed on. the give me 2 weeks to pay 3 months worth or i will lose my home

by Former VMF Collection Agent From Greensboro, NC on January 21, 2008

Just to let you all know I worked for Vanderbilt here in Greensboro for several years. I had no prior experience in mortgages before this job I was actually a candy route driver. lol. I went thru 2 weeks of training in which I learned how to work Vanderbilt's intranet and called a few customers that were typically a little late. No big deal I thought I can do this. I handled a case load of accounts in LA, TX, NM and was managing the majority of the accounts in New Orleans when Hurricane Katrina hit. So here I am going to work calling these people in New Orleans really concerned, hoping they were okay and being told by my managers that I had to collect that past due money half of these people didn't even have homes left and the other half didn't know if they did or not and had all evacuated the area spending every dime they had to eat and have a place to stay. Berkshire did donate a lot to the victims but on the other hand we were still calling or attempting to call these people on a daily basis to try to collect house payments. I loved the money I made working there if you bully enough people into paying you money whether they had it or not you got a nice little bonus every month. Soon after I decided I liked people too much to be greedy and chose a different profession I may only make half of the money I made working there but I sleep well every night knowing I did my part to help mankind today.

by Anonymous From Saint Stephen, SC on January 19, 2008

I have had Vanderbilt for two year and have fell behind 2 times. After the first time of harassment I just ignore them and pay when I can. Count me in on any law suite this company sucks.There way of collecting is totally against the law.

by Justin Higbie From Delphos, OH on January 17, 2008

No trouble with vanderbilt yet!

by Anonymous From Santa Fe, NM on January 16, 2008

A GOOD DEFENSE; Vanderbilt Mortgage falls under the unmbrella of Berkshire Hathaway. Warren Buffet CEO worth billions...they will be holding their shareholders conference May 3, 2008 @ Q West Center, Omaha, Neb. call 800 799 6634 or call 402 697 5314. Time for a RALLY? TIME TO RETALIATE.

by Anonymous From Statesville, NC on January 16, 2008

To organize a class action suit, find an attorney. *FILE COMPLAINTS AND KEEP FILING...Squeeky wheel get the oil! *Find out who is the CEO of this company? Bombard him with paper complaints. *Make copies of all your dated letters for class action suit. *Find out who the board members are and BOMBARD them with letters of complaints. *File complaints with Washington and the Federal Bureau of Investigation for Mortgage fraud. *Contact the Federal Housing Authority (HUD). There are some leads, now get to work and quit griping and get these crooks underfire. *Post a blog where people can get on board for a class action suit. **Keep calling CBS, NBC, Dateline, etc. the time has never been better.

by n/a From Lebanon, TN on January 12, 2008

my husband and I have dealt with Vanderbilt mortgage for 5 or 6 years on our new house, Theses people are very good at what they do and never seem to get caught doing it and if they do they cover it all up... Vanderbilt mortgage has went as far as taking money out of my father in laws bank account that isn't even on our contract with Vanderbilt mortgage, tell us that we are late on payment that were not, and by looking at all of the posting we have has just about everything happen to us that others have posted about Vanderbilt. there rude as hell when you call them, and if you ask me there lacking a lot of brains as far as some of the reps go when you talk to them on the phone.

by Anonymous From Bristol, TN on January 12, 2008

In response to Knoxville, Jan. 10 post You would obviously make a top employee of Vanderbilt. You in your post did exactly what every one is talking about!! You have harassed, degraded and made fun of situations that I am certain that would not have happened intentionally. These people do not want to loose their homes! These post is an outrage that these people are expressing as to the way Vanderbilt is treating them as human beings. I am sure that if you were talked to in this manner and treated as they are you would be outraged also. And what is this about 'Government checks'. I don't believe i saw that post. Maybe you need to read these post again.

by Anonymous From Knoxville, TN on January 10, 2008

Wow. I don't work for, nor do I plan on working for Vanderbilt mortgage but all of this crying and bickering about how they do you wrong on something YOU KNEW YOU HAD TO PAY FOR has got me wanting to chime in. Maybe you should start giving away homes as your business and see how long you will last. I've got an idea.... DONT BUY UNLESS YOU CAN PAY!! The only reason any of you are even bad mouthing this company is because you obviously defaulted on your payments and the HAD to call you. Grow up and get a job that pays you money and quit trying to live off your government check. Good luck to all of you and your sappy stories.

by Anonymous From Bristol, TN on January 10, 2008

Since my last post on this site (Anonymous from Bristol, tn. Jan 06) I have e-mailed WSOC-TV Charlotte in North Carolina. I received a response immediately. They have what is called Action 9 that helps in situations where no one can get anything done! One problem tho, it has to be a complaint or problem from a resident of NC. You can call 704-335-4738 or e-mail to submit a request www.wsoctv.com, click on Action 9, click on contact 9 and complete the form. People in NC , good luck. Will post any further information that I may be able to get.

by angela From Vidor, TX on January 08, 2008

we are going through hell with Vanderbilt.i wished we all could sue them.they are pro's at harassing people.

by Anonymous From Bristol, TN on January 06, 2008

Vanderbilt Mortgage is the devil's advocate! There is no way you can deal with them. I have read all these post and I can say have had about fifty per cent of these same things happen to me also. They are the most non caring , non-compassionate, non-Christian, untouchables that I have ever encountered. I have tried to deal with them since o3 and cannot get anything resolved. No other lending institution will even talk to you once you mention their names. They are a bunch of leech sucking buzzards that live off the demise of many many homes. They are also the number one seller of REPOSSESSED mobile homes in the nation. I guess so. Repo today. Sell to another poor soul tomorrow, harass them for about three years, repo again and it goes on and on. That's why they are the largest!. I saw where someone posted Dateline or 48 Hours. I am going to try to reach someone at both. I am going to try a lawyer that was recommended to me also. Are you people behind me that have posted on this site? Please post if you are. I will be posting any information that I should receive. WE must stop them. In the mean time , get out the word about them. Talk to friends that are considering buying, write letters to the editor of your local newspaper, any commentaries that you may have access to. WE will get them. I have GOD on my side.

by single white femal From Vacherie, LA on January 03, 2008

If you call their legal department, not one person in that building have any legal training nor experience. I constantly get threatening phone calls, letters in the mail, and taped collection notices on my door. I have looked into legal actions and a Thibodaux LA lawyer said that I was wasting my time because they can't order you to be removed from the premises only because you are behind one payment. Their letters are threatening ones but they only show how terrible their customer services reps are. They are ruthless, spineless people who have no personal morales and they are not good Christians. I ignore every call and correspondence sent to me. I don't even pick up the registered mail sent to me at the post office. This company will be for sale soon and justice will be serviced when they hire new people. One afternoon, my whole entire block of neighbors where told about my standing with with company and when I went to the Thibodaux based company I bought my trailer from, the so called gentleman wasn't in at the moment---but it was ok for him to discuss highly confidential information about me but can't see me. His day is coming and this company will get a fat lawsuit soon.

by JS From Townsend, GA on December 29, 2007

Have been a customer for more than 11 years and always on time until this past year. These people have called everyone in our family and discussed the fact that we were past due, but when we tried to sell our home and had a willing and able buyer, they would not communicate w/his lender. If we sold it, they wouldn't get the outrageous interest they charge us. In addition to that, they sent a "field rep" to my house two days before a payment that would catch us up that we had discussed with them 3 weeks PRIOR to the "reps" arrival. The payment was APPROVED by the collections manager and they still sent a rep. When I called and asked why, I was told that 3 weeks was not enough time to call it off because the reps often come from another state. UMMM, I am in another state than Vanderbilt and it didn't take me 3 weeks to call them. I wonder how much they will charge for that? Our "account representative" has called our house so much over the last year that my child thinks she is a member of our family. I wonder if she just wants to hear my husbands voice. And to "Just Pay Your Mortgage" obviously you have never REALLY had a truly life-changing tragedy in your life. Yes, it is my responsibility to pay my mortgage, and I was a loyal and on time customer for 11 years...even pre-paying. One month behind is not enough to justify the harassment we have received from Vanderbilt Mortgage. It is their responsibility to provide good customer service. This was not provided when I tried to sell my home. In fact, if it had been, I would not have to leave this post.

by CATHY BANKS From Gaston, SC on December 27, 2007

I TALK WITH A LAWYER IN MYRTLE BEACH SC NAME DAIVD BREEN I THINK HE`S GETTING A LAW SUIT TOGETHER HIS # IS (843 )445-9915

by cathy ellis From Gaston, SC on December 27, 2007

harassing calls tax escrow raised

by hisranch From New Boston, TX on December 26, 2007

After one year, Vanderbilt tried to raise insurance, so we began questioning and researching. We found after more than 6 researches on our account that they "misplaced" our tax escrow, the insurance wasn't going up, and that they are trying to increase our payment for next year to restore tax escrow that they "misplace" We have filed a complaint with Texas Department of Savings and Mortgage Lending, also have retained a lawyer. They have sent us paperwork telling us 2-3 different amounts for payment next year. Also, we purchased our own insurance, so they better refund the proper amount on that. We have a fixed rate on our loan, I don't know how they think they can get away with this. I would not use them again nor recommend them to anyone. Customer Service Reps have been nice to us but that really doesn't help us much.

by frank pimental From Oklahoma City, OK on December 15, 2007

lost job got behind and trying to catchup on house payments

by Anonymous From Ridge Spring, SC on December 10, 2007

I agree they are very rude people. I realize they have a job to do when they call, but; they go way over the limit. We got behind on our mortage payments also, but thank GOD are caught up now. My advice to anyone would be please pay your mortgage payment before anything else. You have to have a place to live. I'd rather work out my other bills out with the company than to ever have to deal with Vanderbilt Mortgage. It's next to impossible to get them to work with you. I hope everything works out for the best for those that are going through the difficult time with them.

by Brenda From Sapello, NM on December 06, 2007

My account was acquired from Associates Home Finance about three years ago by 21st Mortgage. These predators have increased my payments by more than $120.00 per month for insurance that they state was delinquent since Associates owned the account. I have been told to move out of my house, been awakened from sleep after a graveyard shift only to be yelled at, had my confidentiality violated, and been made to feel less than a person. There surely must be some remedy. For now, I have told them that I will only communicate through e-mail so that I will have proof of their harassment.

by teresa From Cape Girardeau, MO on December 04, 2007

BUYER BEWARE I have been dealing with this company for 14 years and out of those only the last 5 have been bad ever since my old company was bought out by these people. I hate to tell them I filed my house in bankruptcy in 02 and did not reaffirm my loan so they really should not be contacting me about missed payments, maybe I should begin a class action suit against them my lawyer would be more than happy to go after these thieves. This company and their reps have no compassion if they were any kind of reps they would no to be kind to people no matter what.. I am a rep for a company and we do not use those bully antics to collect money, in the long run it gets them no farther than when the call began. This company needs some training in the department of kindness, one of their reps pointed out they went to college to get a better job gee and now she is a rep with Vanderbilt why waste all that money on school to get a job that doesn't pay very well. If you went to college and make less than 45,000 a year you have wasted your time lady. I just hope this company changes its practices in the future especially with the housing market the way it is today or they wont be around much longer. This company should have a label on them BUYER BEWARE.....

by Anonymous From Belleville, MI on December 01, 2007

to Vanderbilt Rep. F?*& off, if we as customers can call and acknowledge that we know we owe the bill, its not your dam business as to WHY we can't pay it, we're calling to say hey i now i owe can i pay this now and catch it later, people do have emergencies and life happens. you don't have the best SECURE job yourself, and one day you won't have a job. KARMA happens too. Remember without people like "US" calling with questions, and making arrangements your dumb***** wouldn't have a job EITHER now would you. So start by saying thank-you to us as customers instead of having your heads so far up Vanderbilts **** you can't see straight. the CEO is living in a mansion however i know for a fact "YOU GUYS AREN"T

by Anonymous From Ypsilanti, MI on December 01, 2007

To everyone that deals with Vanderbilt, Set up a recording of how the reps. talk to you, when they call or when you call Vanderbilt. take it to an attorney, and file harassment charges, they under any law have NO RIGHT to verbally abuse you in any manner, they have to be professional, in their calls, you can have these reps. lose their jobs since they think its funny and then they'll be on the phone begging and trying to schedule payments with their mortgage co. these reps. act like the money is coming/going int her bank account when they only make min. wages too. you can have these people at least fired, they are hired to be of "CUSTOMER SERVICE REP" not being shitty, harassing, there company need a wake-up call, because if these are the kind of people they hire to represent Vanderbilt, then the Vanderbilt/Clayton Homes CEO. himself is a Jackass and needs to be sued.

by Anonymous From Greenville, GA on November 28, 2007

i like the idea of date line doing an investigation on Vanderbilt mortgage this SHOULD BE DONE!!! please some one make the phone call!! it can only help everyone involved.they are a ruthless and disease ridden company stay away or you will get something you dont want!!

by Faye from Seguin, Texas From Seguin, TX on November 28, 2007

Vanderbilt still has our over payment from last year. I have contacted them and contacted them and have gotten no response. They do not care about customers. We are paying what we can and we cannot pay over $700 a month as they chose. Our payment is too much and we cannot get a resolution. We are contacting the Texas state attorney general along with other entities in Texas and the state where Vanderbilt is based. I wish we - the responsible ones - could get results and make Vanderbilt wake up and be responsible! Thanks

by ANDREW From Reidsville, NC on November 25, 2007

I HAVE AN IDEA! WHY DON'T WE ALL CONTACT DATELINE NEWS OR SOME OTHER NEWS AGENCY, TO GET THE WORD OUT THERE ABOUT VANDERBILT. THIS WAY WE CAN GET THEM INVESTIGATED. ANY THOUGHTS?

by Anonymous From Winchester, VA on November 23, 2007

I HAVE NEVER READ SO MANY TRUE TO FACT POSTS IN MY LIFE. THEY ARE THE MOST INCREDIBLY RUDE PEOPLE I HAVE EVER MET. HOW CAN THEY HARASS YOU BEFORE YOUR PAYMENT BECOMES LATE? I WILL NEVER UNDERSTAND THAT

by sheri w From Lancaster, SC on November 21, 2007

this co sucks out loud i been trying to refi for years,they break every law they can on collections, then you call there hand they switch collections person and act like they have no notes and start all over again i am tired of fighting them, i have a cap on my arm and they still raised the rates it is rape.