866-235-5088
Seattle
Seattle
2011-06-06 21:01:12
Unknown
Scamming telemarketing scheme.
Ellen
Ellen
2011-06-06 21:01:12
Unknown
These guys are SCUZZBALLS.  They left a message that sounds as if something has been reported specifically about me. They say, "I'm with the Loan Document Compliance Department. It looks as if you may have been a victim of what's called predatory lending." ... "the lender is obligated to reduce your monthly mortgage payment by reducing ..."

SCUZZBALLS! What happens when some naive person bites? There oughta be a law!

E
Greg
Greg
2011-06-06 21:01:12
Unknown
Same bit, thanks Ellen it sounded too... bland - no real business name 2% interest rate... beware
AliKelSea
AliKelSea
2011-06-06 21:01:12
Unknown
Same as above.  What's interesting about this scam is rather than go with an official-sounding statement, the guy's - "Michael" - message was very casual as if he were just some guy in the compliance dept looking out for us, as if his "company" had made a mistake that they had to make right.  Yuck.
Becky
Becky
2011-06-06 21:01:12
Unknown
This company just left me a message. Same name as above and exact same wording. The first thing that clued me in that it was a scam is the 2% interest rate. I have just started the process of a refinance and was quoted between 4% and 5% depending on the life of the loan.

I immediately called my lender to ask if she had heard of this type of scam. She said there are a ton of them out there right now.

It's ironic that "Michael" used the phrase "predatory lending." He is the predator.

I'm going to warn my family and friends about scams like this.
T.B., Seattle, WA
T.B., Seattle, WA
2011-06-06 21:01:12
Unknown
Got a call from them today and was on the phone with them when I found this website. Thanks for posting this. 2% sounded a bit odd to me too as my understanding is that it just doesn't go below 4% either for economic or regulatory reasons (can't remember which at the moment).
Sharon
Sharon
2011-06-06 21:01:12
Unknown
Glad to discover this website.  Just reinforced my intuition about "Michael's" concern for me.
Sharon
Sharon
2011-06-06 21:01:12
Unknown
We received the phone call from "Michael"  last night.  2% interest - No way!  I was researching to see if this was a scan when I found this web site.  I gotta say, with the exception of the 2% interest, he sounded ligitimate and concerned for our welfare.  BEWARE!
Karen
Karen
2011-06-06 21:01:12
Unknown
same call, word for word

Glad this site is up -
Terri
Terri
2011-06-06 21:01:12
Unknown
Same call here in Seattle. Wow, that Michael gets around. Thank goodness for this site.
sabrina
sabrina
2011-06-06 21:01:12
Unknown
Same as everyone above, what a creepy phone message.

Seattle
Elgee
Elgee
2011-06-06 21:01:12
Unknown
I got the same message, and I'm in the Seattle area.  It's like someone converted a spam email into a voicemail.  There were 50 things about the message that screamed, "not legit".  Not the least of which was its claim that I'm paying too much on my mortgage, when in reality, I don't have a mortgage.  I wonder what happens if someone tries returning the call?
Katie
Katie
2011-06-06 21:01:12
Unknown
He called (Seattle) and left a message yesterday. I was certain that it was not legit but wanted to check it out.  He does make it sound as if he is calling from the lenders office in the loan document compliance department. I was not concerned about being preyed on by the mortgage lender as it was a great price when I refinanced.  Thanks for all the comments as it confirmed my thoughts.
Keiran
Keiran
2011-06-06 21:01:12
Unknown
Had a v/m from "Michael" when I got home last night. The spiel was exactly as noted above. What jumped out at me was that he never identified the company. I called the number 866 235 5088 about 8pm, the message on the machine gave info on accessing the "company directory" - again without ever identifying who they were. Lastly, as noted in previous comments I got a great (fixed) rate on my re-finance, so how could this be predatory lending?
Andrew
Andrew
2011-06-06 21:01:12
Unknown
Just got the same deal on 1/29/10. I have not called back but agree the "tone" sounded very innocuosly like "just some guy named Michael in the Compliance Dept...." I definitely smelled a rat, though.
gatekeeper50
gatekeeper50
2011-06-06 21:01:12
Unknown
I received the same message (ie Michael --- predatory lending --- 2% loan) and what is most disturbing is that only two hours prior to the call I was on the phone with my lending company talking about the renegotiation process I am going through with our mortgage.  It's as if someone has a caller id tapped into my lending company.  The # in the caller id is not the same as the 1-866# "Michael" told me to call.
steve
steve
2011-06-06 21:01:12
Unknown
a**holes, just got the message hours ago.
Rebecca
Rebecca
2011-06-06 21:01:12
Unknown
I came home to a VM with this same message. I called and spoke with "Amber", and asked her pointed questions, like who are yo, what company, etc. She denied that it is a private company, and got very insulated & huffy when I suggested that perhaps her company was in fact predatory. I told her to immediately put me on their Do Not Call list. She said she was "proud of how their investors help people" & I could look up her website. After a few more comments & my attempts to get information from her, she hung up on me. I called back 10 minutes later, and she again said I was being mean. She hung up on me again. She is clearly not interested in giving out actual information, though I suspect she's a minimum wage worker who has very little actual information, and is simply answering phones. It's sad.
I am going to report them to our state Attorney General & the BBB. Also, am posting on Facebook for folks to ignore their calls. Someone out there will be vulnerable to this type of phishing, adn will lose their home or worse. Scalawags!
Rebecca (again)
Rebecca (again)
2011-06-06 21:01:12
Unknown
Also in Seattle. I suggest we all call them back, asking these questions:
1. What is the name of your company?
2. Who owns it?
3. What is the website?
4. What is your business license number to do business in my state?
~Tell them you plan to verify this information with the state Dept. of Commerce
5. How did you get my number?
6. IMMEDIATELY get me off your call list. Put me ON your Do Not Call list!

Enough of these consumer fighting back return calls & questions, and perhaps they will think twice about their nefarious practices! Legit companies do not use these practices.
Be Awarie
Be Awarie
2011-06-06 21:01:12
Unknown
Received this exact call from 'Michael' - the BUM!!  Played it back several time and then thought I would just put the telephone # in the browser and see what happens - And there you go, many others had gotten the same call.  Definitely one of the many benefits of the internet.  Really glad I checked!!  Remember, if it sounds too good to be True, it probably isn't.
Gerry
Gerry
2011-06-06 21:01:12
Unknown
Same message all of the other complainant's have report.
Kay
Kay
2011-06-06 21:01:12
Unknown
I actually called the number (from a line they can't get back to) to tell "Michael" that the message was misleading and I would report them. I was hung up on twice for asking to speak to a manager, then when I got connected to "Paul," he told me that I was twisting their words because the message says "appears" and "may have" been a victim of predatory lending and to "go ahead honey."

Sounds like trouble! I pray no one takes their bait!
Robert
Robert
2011-06-06 21:01:12
Unknown
Same Michael as above exact verbatim
Ann
Ann
2011-06-06 21:01:12
Unknown
Just got a call today, from "Michael."  I'm in Seattle.  We do have a loan but we went through regular channels, not through someone we got a phone call from, like this.  Yes, I agree...thank goodness for the internet.  Wrote down the number, and found out what's really going on!
Sera
Sera
2011-06-06 21:01:12
Unknown
Got this call today. I called the number and a woman said she was with Financial Solutions in Southern California. When I told her to take me off the list she kept pushing: Are you upside down on your mortgage? I said I certainly am not. Then she hung up on me.
Kim
Kim
2011-06-06 21:01:12
Unknown
We just got this call here in Honolulu. "Michael" left a message on our phone. Total loser!

Thanks to everyone who posted here! It answered our questions right away!!!
Jane
Jane
2011-06-06 21:01:12
Unknown
Got a VM from "Michael" at 1:52pm today.  "Loan Document Compliance Department," WAAAAY too generic sounding.  Glad I found this site (so I won't call back), because I believe I really might be a victim of predatory lending!  I'll discuss this issue directly with my bank, not some scammer.  Thanks for posting this.
Danielle
Danielle
2011-06-06 21:01:12
Unknown
Me too! I got it yesterday in Seattle.
Laura
Laura
2011-06-06 21:01:12
Unknown
We got the call tonight with the exact same message as everyone else.  "Michael" ended his call by saying it was really impotant that we contact him about this very important matter.  We knew it was phishy from the start.  Glad we found this website!
hawaii50
hawaii50
2011-06-06 21:01:12
Unknown
Same call, same message. This is just awful, how can they get away with this. I am on the do not call list too. Even as a scammer he is a telemarketer and it is illegal for him to make these cold calls to people on the do not call list. But he seems to get away with it.
People please BEWARE OF THIS SCAMMER!!!! DO NOT FALL PREY TO THEM, THEY ARE THE PREDATORS!!!!!!
He is calling people in Hawaii now. What can we do about people like this???????
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