Sandra.....

I just read your note.  THE SAME EXACT THING has happened to my husband and myself.  This company has robbed us too of $3,000.00 and also went into our account and withdrew $700 also!!! They have told us our reimbursement check has been mailed and 4 weeks ago and we still have not seen anything and they will not return our calls.  We also want to file suit.  We need more and more victims to come forward and band together in a major lawsuit against this POS fraud and scam of a company.  Please call me at 252-814-7520    


Thank you!
Cat

BE CAREFUL!!

I've looked all over their website and couldn't find their real estate license number. And so I called the San Diego Department of Real Estate at (619) 525-4192
to verify that they were licensed and they're not and was advised to be careful before sending them or an attorney any funds for a loan modiciation. This is what I found the following on the www.dre.ca.gov website..

ADVANCE FEES FOR LOAN MODIFICATIONS NOW PROHIBITTED

Governor Arnold Schwarzenegger signed Senate Bill 94 (Calderon) which prohibits any person, including real estate licensees and lawyers, from demanding, charging, or collecting an advance fee from a consumer for loan modification or mortgage loan forbearance services. IF YOU ARE APPROACHED BY ANY PERSON REQUIRING UP FRONT FEES FOR THESE SERVICES DO NOT PAY THEM.

When I checked the BBB, they are listed as Advance Fees Brokers and take a look at their site.This information is directly from the BBB site.. http://www.la.bbb.org/business-reviews/Loan-M ... es-CA-100111159

Complaint Resolution LogBBB Closure Definitions    
BBB did not receive a response from business (7)  

04/17/2012  Problems with Product/Service View Details
Additional Notes
Complaint: 04/17/2012: Christian would not answer my questions, just said to trust him and send in the money.. How can anyone just trust someone they have never met and send over the money like that with all the scams happening in todays world in this industry especially! I do need their help if they are real, not willing to just send over a couple grand to find out. Also, California has a law that mortgage modification companies can NOT require payment upfront.. Why can Advocates for Consumer Affairs break that law? When these questions were asked by me to Christian, he would not reply in a logical manor. When I wrote the questions in an e-mail, he did not answer them, he said to forget the whole thing and that was the last I have heard from him.
 
04/06/2012  Problems with Product/Service View Details
Additional Notes
Complaint: 04/06/2012: I was told this was a loan modification company. They said I had to pay $1950.00 for them to process. I was to send three checks two for 750 and one for 450. After they cashed first one they began giving me the run around. When I started checking I found it was alleging to charge for service up front. When I called to talk to them I was told I was a Fu....... Idiot his words (Scott O'Brien). And they were going to enjoy my 750 dollars that I would not get back. Now I am further in debt than when I started. They need to be stopped. Please help.
 
03/30/2012  Problems with Product/Service View Details
Additional Notes
Complaint: 03/30/2012: Consumer states company failed to provide proper services. After the company claimed to be referred by a program set up by the President, she paid $2,250 to assist her with a loan modification. The company failed to provide services and she is about to lose her home. She has tried to contact the company to no avail.
 
03/20/2012  Problems with Product/Service View Details
Additional Notes
Complaint: 03/20/2012: Consumer states, We were lead to believe that we be getting a loan modification from this company. But found this company to not offer what they implied. Miss representation of services offered. We wanted a loan modification and what they finally offered was Mortgage Resolution agreement and asked for a fee of $1,875.00.
 
02/28/2012  Advertising/Sales Issues View Details
Additional Notes
Complaint: 02/28/2012: I contacted Advocates for Consumer Affairs regarding a loan modification. I sent them the information on my lender and personal financial information. They called me and told me that they had a confirmed loan modification from my lender (Saxon Mortgage). They sent me a letter outlining the new loan that they said my lender had agreed to. The terms of the new loan were: 40 year fixed at 2.125% interest, fixed and fully amortized with monthly payments of $1840.67 beginning May 01, 2012. They confirmed that the February 02, 2012 sale date on my home had been postponed until April 24, 2012 and that they were getting the new loan docs prepared. Christian Hart of ACA requested a payment of $1225.00 with an electric transfer from my bank account on January 27, 2012. He stated that this was not a "Loan Modification Fee". He stated that my new loan was guaranteed by my lender and that this was a "Processing Fee" required to draw up and process the new approved loan. On January 31, 2012 I called my lender (Saxon) to confirm this. Saxon denied ever speaking with Advocates for Consumer Affairs regarding a modification and that no new loan was ever discussed or agreed to by them. They told me that no one from ACA spoke to them about postponing the sale date on my home. My home went to auction on February 02,2012 and was foreclosed on and reposed by Saxon. I called ACA on February 07, 2012 and was told by Eric Knox of ACA that they were sorry and would refund my money.

I am a client and I have been robbed of nearly $4000.  First, I authorized payment of $1,875.  Two weeks later, they withdrew a duplicate amount.  My bank has taken responsibility, but Christian Hart promised a refund, never sent it, and now will not respond to my phone calls.  As far as I can tell, this is a total scam and I intend to file suit.  Please, if anyone out there has more info, I need your help.
Thanks.

ACA is a total scam.  They have nearly $4000 of my money and are doing NOTHING, won't return phone calls, etcd.

Are you joking? Learn how to write a complete sentence and speak in one complete thought. Your post is not only sophomoric but an insult to the human race. "Happy Easter Obama A**Holes" Gross.  Listen unless you are client of this firm keep your BS nonsense two cents to yourself. Stay off this site and others  like it and get a job or do something productive with yourselves. We wonder why we have grown man in this country chasing teenagers down and  murdering them. Disgusting! Grow up and maybe get a hobby you ignorant moron. My guess is Birddog4848m will lose his house one day very soon because he is so far from right he would not now right if it slapped him upside the left side of his face.

i dealt with a"company" like this outfit in florida. only I showed up at their door and trust me it was a scam,boiler room,they take your money and you will never see it again ,Or a solution to your mortgage problems. get a real lawyer and research things .educate your self and do not expect miracles. you will have to fight it out,but YOU need to be informed A simple securitization audit should cost 500 plus/minus. so stop HOPING IT GOES AWAY,make it go away with an experienced LAWYER. shop around and go for it. good luck people. I have stalled f****ng chase/Citi for 5 1/2 years because I,am right. So happy Easter you chase bank OBAMA A** HOLES.

I did not deal with this company directly, but my imediate family member paid this company 2200 to handle saving their home, they just got kicked out of their home, last week and the last time the ring around the rosie game they played with my family member ended with a man telling my family member to F-OFF and hung up on her!! Dont trust these people, it is always suspicious that such a huge company that is supposedly in 26 states doesn't have a website?? Come on? And nothing can be found on the web about them? Never a good sign.

One word. DITTO. Listen, I am starring at a trash can and it is about as a savvy as you are when it comes to negotiating loans. If we are guessing with no proof then I would say you are a born loser and pathetic. Drink up skippy and keep posting on a site that is not verifiable or reliable. ANYONE who reads these non client posts and believes anything on here once again has MAJOR issues. Seek a shrink not a loan mod. Bye bye.

Really. How about a testimonial with a real name, address, phone number etc.

You can work with the bank better on your own.

I used Advocates for consumer affairs and they got me an incredible deal!  I literally saved over $1000 a month on my mortgage. I find it very disturbing the messages on here from people who are NOT clients. Is anyone commenting on here even a client...? I would bet they are not! Once again ,this is a great firm and they did everything they said they were going too. Does 800notes verify these comments or is this just another site with BS postings..? Anyone who reads these negative posts from non-clients and believes them has more issues then just their finances. Good luck and happy fishing.

I want me to give then 2250.00 not

it's a scam

Spoke with that jerk too. He thinks im going to send him $2250.00 because he can yell louder then me AHAHAHAHAHAHAHAHAH NOT!

I got a call from these people as well and i spoke with Chris HArt. He was so rude i cant believe people actually hired someoen like this. Ive contacted the local sheriff department and the district attorneys office. People like Chris Hart need to be put ourt of busines.

I also received a call from these people though the phone number was 866-730-5515.  The first person I talked with said they could do a forensic audit of my mortgage and use that as leverage to get a loan modification.  The second person said I qualified for a loan modification and he had a firm offer from my lender which would reduce my monthly mortgage payment in half.  He said Advocates for Consumer Affairs was the leading company which managed unperforming assets for my mortgage company.  He wanted $2,250 sent within 24-hrs and if I didn't send it my interest rate lock would be lost.  I told him I wanted to research his company and couldn't afford to pay the money until the first of the month and would call him back in March he said don't bother and hung up on me.  

Sounds like a scam company to me.

tom ;like bunny where is the legitimacy of this company please provide info in this website are they goverment approved for help- are they licensed, informed with new laws

dear bunny; please reply to this website and give me info regarding these company if its good , approved by goverment, what do they do

tom please let me know the legitimacy of this company, what do they offer, what do they help with are they goverment approved for homeoweners- what do they really help with

let it go to voice mail, no message

Received a call from this number at 4:23PM, didn't pick up but caller left no voicemail

This company is a complete SCAM!  I received a call from a number I don't use often and the person sounded like he was high on pills... can I speak with the person who holds the mortgage.  Obviously he didn't know he was calling a business.  Regardless, I called the number back and the lady answered the phone "Advocates for Consumer Affairs"... I asked, what exactly do you guys do there and was asked to hold.  This guy comes on the phone asking how he can help, I asked what exactly do you guys do there... he said, first let me ask do you have a mortgage... I said what does me having a mortgage have to do with what you guys do... I'm not into games, CLICK!  

Then I come on the web and try to research the company, and this was the only site I found.  You would think a company the advocates for consumers would train their salesman to be a little nicer and kinder to consumers they want to fight for.  

Stay far, far away!!!

They say they can help with my mortgage and want me to send them personal identifying information. As I can find ABSOLUTELY nothing online about the advocates for consumer affairs online, this makes me very nervous. Does anyone know  ANYTHING about them and if they are reputable????? I would love their help, but would hate for my identity to be stolen! They say they are government-funded and won't charge me any money. Does anyone know a way to check on them? Seeing as how they're a government-funded agency, there ought to be a way..

Advocates for Consumer Affairs-I called back and they qualified me for their program which, I am led to beleive, is an attempt to save my home from Chase-it is in foreclosure due to illness. I hope they not only save it-but reduce my monthly payment of PITI to something more affordable since after two years of no income I have disability which I am grateful for but falls short of the expectations of many...I'm glad to be alive and since I am I still have need of the only home I've ever had....

I said hello four times before a girl spoke up and asked for me but said my name wrong so I knew it wasn't anyone I knew. told them they had the wrong number and then blocked them through Verizon.

Advocates for Consumer Affairs is a national compliance management firm which provides professional, advisory, and consulting services to financial institutions, mortgage bankers, real estate attorneys, consumer lending entities, and homeowners.

I had been getting calls from this number & when I returned the call either no answer or hang ups.

I ANSWERED,  GOT NO RESPONSE. THE CALL DISCONNECTED.

who hell  this calling me dont no you

Received call at 6:30 PM today.  When I answered, the calling parety hung up.  Heward th click and then the dial tone started.   Repeated the same again about 7 PM, hung up when I answered.  Caller ID showed the number info was blocked.

Whomever this was hung up once our machine kicked on.  I would imagine its some sort of survey or political call, the phone has been crazy the last couple days with those calls