Got the same Re: MORTGAGE AUDIT NOTICE letter in the mail yesterday. Good that I checked 888-407-7179 from online and there it is a whole list of scam reports. Thanks for posting all of these scams.

Mortgage Fraud Examiners exposed this problem of bogus forensic loan audits over two years ago in a press release: "Beware of the Latest Foreclosure Rescue Scam??Forensic Loan Audits."  http://www.prurgent.com/2011-04-21/pressrelease165977.htm

I didn't get a phone call, but received a letter.  Mortgage Auditing Program Division of A.M.T. Thanks for the information!  I hope others are able to find this and benefit.  888-407-7179 was the phone number.

I received a letter in the mail, and it gave "instructions" to call (888)-407-7179. Since I always go by the rule that if it is too good to be true, it most likely is, I decided to go on-line to investigate. The company is called Mortgage Auditing Program, and they describe a mortgage analysis and refund review. Upon investigating their telephone number and company name, it very quickly became clear that this is fraudulent. These are hucksters pretending to refund people's mortgage money; however, the scams attempt to collect information from people, including credit card and other account information. Certainly such information can be used for nefarious, devious, and fraudulent purposes, with the intent to rip off people's money, under the cloak of doing a "public service" of refunding mortgage money. Beware and avoid! [I also intend to contact the Better Business Bureau about this letter.] This appears phony!

I came to this thread from http://800notes.com/Phone.aspx/1-888-681-9902/7 where Wary posted on 25 Jan 2012 that 888-407-7177 is the number from his/her letter (if you don't see it on page 7, it may have been pushed down to page 8 or 9 by new reply posts). Letters typically offer a mortgage audit for $149/$199/$249 (price has varied over time) with full or partial refund if nothing's found. Also, the company may be changing marketing tactics and are calling victims instead of mass mailing letters. "Refund" is deceptive because it's really a rebate, not a refund, where you have to APPLY for a rebate of your own money if nothing's found on the audit. You'll also be signed up, possibly behind your back, for a negative-option, 30-day free trial, $49.95/month accounting software that has NOTHING to do with the audit. If you don't take positive action to cancel the free trial, it will turn into a live subscription and you will be billed with NO REFUNDS.

The company is AMT Auditing Services, LLC but doing business as CRM Ventures LP, Enlightened, LLC, and Mortgage Auditing Program. BBB listing http://www.bbb.org/utah/business-reviews/loan ... ork-ut-22302183 (scroll down all the way down to the bottom for Alternate Business Names) with F=FAIL rating and 13 complaints, 7 of which were not responded to. At one time, AMT's websites (amtdivision.org, deadpanham.com) displayed the Wells Fargo bank logo along with 5 other banks', and the BBB report states "Wells Fargo has stated to the BBB: "Wells Fargo has no affiliation with this company. In addition, this company is not allowed to use the Wells Fargo logo without our express permission. Doing so is a violation of our intellectual property rights."" The bank logos then vanished from AMT's websites.

amtdivision.org http://www.who.is/whois/amtdivision.org/ was registered 03/07/2011 to a domain proxy by an owner who does not want to be found.

deadpanham.com http://www.who.is/whois/deadpanham.com/ is registered to a David Scheuneman, 702-555-1212, 2006 Hollywell St, Las Vegas, NV 89135. While the address is legit, 702-555-1212 is simply Directory Assistance for area code 702. It's unclear whether David Scheuneman is a willing participant in or unwitting victim of this scam. David Scheuneman does not have a publicly-listed number or has no phone and calling 702-555-1212 for his unlisted number will get you nowhere. David Scheuneman and/or AMT does not want you to call David Scheuneman. And what sort of a website name is deadpanham anyway for a professional business offering mortgage audits?

AMT Auditing Services, LLC's Utah business license https://secure.utah.gov/bes/action/details?entity=7968758-0151 is registered to Mark Sullivan 826 EAST STATE RD STE 210 AMERICAN FORK UT 84003. See that "Company Type: DBA" on the second line? AMT Auditing Services is really a DBA despite having "LLC" in its registered company name. What legit DBA company uses "LLC" in its business name? This actually fooled the BBB into listing AMT as a LLC for many months but it's been corrected now.

Utah state law requires all businesses including DBAs to be registered http://corporations.utah.gov/pdf/buslicguide.pdf "Who Must Register Their Business?  All businesses in Utah are required by law to register with the Utah Department of Commerce either as a "DBA" (Doing Business As), corporation, limited liability company or limited partnership. Businesses are also required to obtain a business license from the city or county in which they are located." but only AMT Auditing Services LLC (and it's a DBA, not a LLC) and Enlightened LLC https://secure.utah.gov/bes/action/details?entity=7807703-0160 have Utah business licenses. Therefore the remaining 2 DBAs without business licenses -- CRM Ventures LP and Mortgage Auditing Program -- must be considered to be fake businesses. CRM Ventures LP used to have a separate BBB listing with an A rating and I'm glad the BBB has removed that listing and now CRM Ventures LP must share the same F=FAIL rating with AMT. Mark Sullivan was also listed as the business contact on the old BBB listing for CRM Ventures LP (he may still be), is the registered agent on the Utah business license for Enlightened LLC, and is the Company Contact on the BBB listing for AMT Auditing Services LLC.

AMT Auditing Services LLC doing business as AMT Division has sent out similar letters offer mortgage audits as reported by posters here http://800notes.com/Phone.aspx/1-888-681-9902  Poster "Zipty" at the bottom of page 1 seems to know a lot about this operation. AMT Division also does not have a Utah business license in apparent violation of Utah state law.

Colton Moody is listed on AMT's BBB report as Manager and a principal in The Summit Group of Utah LLC http://www.bbb.org/utah/business-reviews/trai ... ehi-ut-13002802 with a F=FAIL rating, 99 complaints, 1 settled and 1 pending Government Action against it (well worth reading). TSGOULLC's business license is registered to Colton Moody as well https://secure.utah.gov/bes/action/details?entity=5394161-0160 but which is expired as of 12/27/2011. If you google, you'll find many complaints by victims who paid TSGOULLC and its DBAs many $thousands up front for coaching seminars on how to start web businesses and TSGOULLC allegedly failing to deliver on them.

Anyone is welcome to search here https://secure.utah.gov/bes/action for Utah business licenses.

If you buy the audit, you'll get a piece of paper that may say you are owed a refund on your mortgage. However, converting this piece of paper into cash is quite another matter. Patrick says here http://800notes.com/Phone.aspx/1-888-656-9964 on a similar audit offer that "When I asked what is the likelihood of them finding some mistake and me getting a refund from the bank, he indicated that "honestly" very rarely does it happen" and that's because lending papers are pretty much standardized, even ARMs. Lenders know what they can get away with and what they can't. Think your lender will refund money just because you have a piece sof paper from an unlicensed fake company you gave $149/$199/$249 to? Lenders have signed mortgage notes in hand and will fight you tooth and claw in court (if one homeowner wins a refund, others will follow). One huge difference is your mortgage note is already legally enforceable in court; your piece of paper is not and you'll have to hire an attorney at $hundreds/hour for months/years to try to convince a court that you have a valid refund. Think it's worth the risk?

Beware the "refund" offer is actually a rebate and not a refund http://www.differencebetween.com/difference-between-refund-and-vs-rebate/  To get your money back, you have to find the rebate form on amtdivision.org, fill it out and send it in within a 45-day time window allegedly starting from when you receive audit results. AMT has also tried to hide the form by moving it around on their website so posting a link for it here is unreliable, try googling "amtdivision.org rebate form". Beware any or all the rebate terms (45-day window, etc.) can change anytime so the best thing to do is to get the form and follow the instructions on it. Do not wait passively for your "refund," it will never show up, you must take positive action to find the rebate form and APPLY for it.

If you buy the audit, you will also be signed up for a negative-option, 30-day free trial of $49.95/month accounting software called the 30to8 Debt Software designed to save you $thousands in scheduled mortgage interest (you can also use it for all sorts of debts). DON'T BUY IT! There is nothing magic about the software, it uses the well-known method of principal prepayment and you can get the same or BETTER results if you prepay your loans yourself without the software. The 30to8DS is a recent version of United First Financial's Money Merge Account that has been thoroughly debunked here http://www.fatwallet.com/forums/finance/741118/ with a Quick Summary on page 1. In fact, mikef07 states at the top of http://www.fatwallet.com/forums/finance/741118/?start=914 that "The results do show that by using the MMA software it would cost me $5070.29 extra" than doing it on his own and that was when the MMA was $3,500. The present value of $49.95/month for 8 years (assumes you can pay your 30-year mortgage in 8 years as suggested by the website name 30to8 and it's not easy) at 1% APR (what savings accounts are giving) is $4,600 so mikef07 would lose 5070.29-3500+4600=$6,170.29 today. If you take longer than 8 years and continue to use the 30to8DS, you will continued to be charged $49.95/month. The 30to8DS is potentially a much bigger money maker for AMT than the audit and why AMT is so eager to cram this down your throat.

ou also do not get the 30to8 software on a CD, you have to go to 30to8.com, login, and enter all your financial details into the website. 30to8.com is registered to a domain proxy by an owner who doesn't want to be found http://www.who.is/whois/30to8.com/  The last time I looked, your login is on an *INSECURE* http connection and who knows if your financial info is stored in plain text or encrypted. BEWARE! Do you want the whole world to know how $much you make, what your $mortgage is, what your card $payments are, etc.? And do you want to give away your info to a website owner who doesn't want to be found?

This is a negative option deal -- if you fail to take positive action to cancel the free software trial, you will be automatically billed $49.95/month with NO REFUNDS. Cancel instructions were on the Cancellation Policy page of 30to8's website 30to8.com but AMT has shown a propensity to hide things by moving them around so try googling "30to8.com cancellation policy".

STAY FAR, FAR AWAY FROM THE $149/$199/$249 AUDIT AND $4,600 30to8 DEBT SOFTWARE AND BEWARE OF SHILLS ON THIS THREAD.

CRM Ventures LP no longer has a separate BBB listing but has been folded as a DBA company into BBB's listing for AMT Auditing Services LLC (and it's really a DBA, not a LLC) at the bottom of the BBB listing http://www.bbb.org/utah/business-reviews/loan ... ork-ut-22302183
If you gave them your card info, you are considered to have authorized payment though if you immediately tell the charging party you've changed your mind, decent companies will respect your decision and not charge. Scammers, however, WILL charge.
Beware that when you "bought" the audit, you were also signed up for a negative-option, 30-day free trial of $49.95/month, 30to8 Debt Software (accounting software) behind your back. They hide cancellation instructions on 30to8.com by moving it around so try googling "30to8.com cancellation policy". Credit card cancellation may have neutralized this threat but I'd keep an eye on your new card account because old-card charges sometimes auto-transfer onto the new card.

I came to this thread from http://800notes.com/Phone.aspx/1-888-681-9902/7 where Wary posted on 25 Jan 2012 that 888-407-7177 is the number from his/her letter (if you don't see it on page 7, it may have been pushed down to page 8 or 9 by new reply posts). Letters typically offer a mortgage audit for $149/$199/$249 (price has varied over time) with full or partial refund if nothing's found. Also, the company may be changing marketing tactics and are calling victims instead of mass mailing letters. "Refund" is deceptive because it's really a rebate, not a refund, where you have to APPLY for a rebate of your own money if nothing's found on the audit. You'll also be signed up, possibly behind your back, for a negative-option, 30-day free trial, $49.95/month accounting software that has NOTHING to do with the audit. If you don't take positive action to cancel the free trial, it will turn into a live subscription and you will be billed with NO REFUNDS.

The company is AMT Auditing Services, LLC but doing business as CRM Ventures LP, Enlightened, LLC, and Mortgage Auditing Program. BBB listing http://www.bbb.org/utah/business-reviews/loan ... ork-ut-22302183 (scroll down all the way down to the bottom for Alternate Business Names) with F=FAIL rating and 13 complaints, 7 of which were not responded to. At one time, AMT's websites (amtdivision.org, deadpanham.com) displayed the Wells Fargo bank logo along with 5 other banks', and the BBB report states "Wells Fargo has stated to the BBB: "Wells Fargo has no affiliation with this company. In addition, this company is not allowed to use the Wells Fargo logo without our express permission. Doing so is a violation of our intellectual property rights."" The bank logos then vanished from AMT's websites.

amtdivision.org http://www.who.is/whois/amtdivision.org/ was registered 03/07/2011 to a domain proxy by an owner who does not want to be found.

deadpanham.com http://www.who.is/whois/deadpanham.com/ is registered to a David Scheuneman, 702-555-1212, 2006 Hollywell St, Las Vegas, NV 89135. While the address is legit, 702-555-1212 is simply Directory Assistance for area code 702. It's unclear whether David Scheuneman is a willing participant in or unwitting victim of this scam. David Scheuneman does not have a publicly-listed number or has no phone and calling 702-555-1212 for his unlisted number will get you nowhere. David Scheuneman and/or AMT does not want you to call David Scheuneman. And what sort of a website name is deadpanham anyway for a professional business offering mortgage audits?

AMT Auditing Services, LLC's Utah business license https://secure.utah.gov/bes/action/details?entity=7968758-0151 is registered to Mark Sullivan 826 EAST STATE RD STE 210 AMERICAN FORK UT 84003. See that "Company Type: DBA" on the second line? AMT Auditing Services is really a DBA despite having "LLC" in its registered company name. What legit DBA company uses "LLC" in its business name? This actually fooled the BBB into listing AMT as a LLC for many months but it's been corrected now.

Utah state law requires all businesses including DBAs to be registered http://corporations.utah.gov/pdf/buslicguide.pdf "Who Must Register Their Business?  All businesses in Utah are required by law to register with the Utah Department of Commerce either as a "DBA" (Doing Business As), corporation, limited liability company or limited partnership. Businesses are also required to obtain a business license from the city or county in which they are located." but only AMT Auditing Services LLC (and it's a DBA, not a LLC) and Enlightened LLC https://secure.utah.gov/bes/action/details?entity=7807703-0160 have Utah business licenses. Therefore the remaining 2 DBAs without business licenses -- CRM Ventures LP and Mortgage Auditing Program -- must be considered to be fake businesses. CRM Ventures LP used to have a separate BBB listing with an A rating and I'm glad the BBB has removed that listing and now CRM Ventures LP must share the same F=FAIL rating with AMT. Mark Sullivan was also listed as the business contact on the old BBB listing for CRM Ventures LP (he may still be), is the registered agent on the Utah business license for Enlightened LLC, and is the Company Contact on the BBB listing for AMT Auditing Services LLC.

AMT Auditing Services LLC doing business as AMT Division has sent out similar letters offer mortgage audits as reported by posters here http://800notes.com/Phone.aspx/1-888-681-9902  Poster "Zipty" at the bottom of page 1 seems to know a lot about this operation. AMT Division also does not have a Utah business license in apparent violation of Utah state law.

Colton Moody is listed on AMT's BBB report as Manager and a principal in The Summit Group of Utah LLC http://www.bbb.org/utah/business-reviews/trai ... hi-ut-130028022 with a F=FAIL rating, 99 complaints, 1 settled and 1 pending Government Action against it (well worth reading). TSGOULLC's business license is registered to Colton Moody as well https://secure.utah.gov/bes/action/details?entity=5394161-0160 but which is expired as of 12/27/2011. If you google, you'll find many complaints by victims who paid TSGOULLC and its DBAs many $thousands up front for coaching seminars on how to start web businesses and TSGOULLC allegedly failing to deliver on them.

Anyone is welcome to search here https://secure.utah.gov/bes/action for Utah business licenses.

If you buy the audit, you'll get a piece of paper that may say you are owed a refund on your mortgage. However, converting this piece of paper into cash is quite another matter. Patrick says here http://800notes.com/Phone.aspx/1-888-656-9964 on a similar audit offer that "When I asked what is the likelihood of them finding some mistake and me getting a refund from the bank, he indicated that "honestly" very rarely does it happen" and that's because lending papers are pretty much standardized, even ARMs. Lenders know what they can get away with and what they can't. Think your lender will refund money just because you have a piece sof paper from an unlicensed fake company you gave $149/$199/$249 to? Lenders have signed mortgage notes in hand and will fight you tooth and claw in court (if one homeowner wins a refund, others will follow). One huge difference is your mortgage note is already legally enforceable in court; your piece of paper is not and you'll have to hire an attorney at $hundreds/hour for months/years to try to convince a court that you have a valid refund. Think it's worth the risk?

Beware the "refund" offer is actually a rebate and not a refund http://www.differencebetween.com/difference-between-refund-and-vs-rebate/  To get your money back, you have to find the rebate form on amtdivision.org, fill it out and send it in within a 45-day time window allegedly starting from when you receive audit results. AMT has also tried to hide the form by moving it around on their website so posting a link for it here is unreliable, try googling "amtdivision.org rebate form". Beware any or all the rebate terms (45-day window, etc.) can change anytime so the best thing to do is to get the form and follow the instructions on it. Do not wait passively for your "refund," it will never show up, you must take positive action to find the rebate form and APPLY for it.

If you buy the audit, you will also be signed up for a negative-option, 30-day free trial of $49.95/month accounting software called the 30to8 Debt Software designed to save you $thousands in scheduled mortgage interest (you can also use it for all sorts of debts). DON'T BUY IT! There is nothing magic about the software, it uses the well-known method of principal prepayment and you can get the same or BETTER results if you prepay your loans yourself without the software. The 30to8DS is a recent version of United First Financial's Money Merge Account that has been thoroughly debunked here http://www.fatwallet.com/forums/finance/741118/ with a Quick Summary on page 1. In fact, mikef07 states at the top of http://www.fatwallet.com/forums/finance/741118/?start=914 that "The results do show that by using the MMA software it would cost me $5070.29 extra" than doing it on his own and that was when the MMA was $3,500. The present value of $49.95/month for 8 years (assumes you can pay your 30-year mortgage in 8 years as suggested by the website name 30to8 and it's not easy) at 1% APR (what savings accounts are giving) is $4,600 so mikef07 would lose 5070.29-3500+4600=$6,170.29 today. If you take longer than 8 years and continue to use the 30to8DS, you will continued to be charged $49.95/month. The 30to8DS is potentially a much bigger money maker for AMT than the audit and why AMT is so eager to cram this down your throat.

ou also do not get the 30to8 software on a CD, you have to go to 30to8.com, login, and enter all your financial details into the website. 30to8.com is registered to a domain proxy by an owner who doesn't want to be found http://www.who.is/whois/30to8.com/  The last time I looked, your login is on an *INSECURE* http connection and who knows if your financial info is stored in plain text or encrypted. BEWARE! Do you want the whole world to know how $much you make, what your $mortgage is, what your card $payments are, etc.? And do you want to give away your info to a website owner who doesn't want to be found?

This is a negative option deal -- if you fail to take positive action to cancel the free software trial, you will be automatically billed $49.95/month with NO REFUNDS. Cancel instructions were on the Cancellation Policy page of 30to8's website 30to8.com but AMT has shown a propensity to hide things by moving them around so try googling "30to8.com cancellation policy".

STAY FAR, FAR AWAY FROM THE $149/$199/$249 AUDIT AND $4,600 30to8 DEBT SOFTWARE AND BEWARE OF SHILLS ON THIS THREAD.

Yup, it's a scam.  I called and spoke w/ "Spencer X1922" who assured me that I had been overcharged or that my payments had been misapplied.  Then he asked for my credit card number which I gave him (stupid of me) but I said I wanted him to wait to charge the card until I talked with my husband.  He said the card had already been authorized, but would not be charged for 3 days (?) and I could call Customer Service and cancel.  When I insisted that the card not be charged at all unless I called back, he became difficult and said I authorized it.  He said they were CRM Ventures working closely with the BBB and Housing and Urban Development section of the federal gov't.  He said he could not stop the charge, except that it wouldn't go through for three days, and that in order to cancel it I had to call Customer Service.  Then he transfered me to customer service where all reps were busy and I was told to leave a message.

When I looked it up, the first search return had an A rating from what looked like the BBB.  But the BBB's website doesn't work like that, you have to enter the address and company name to get a rating and only listed companies come up.  I have since called my credit card company and the charge was already processed (minutes later).  I canceled my card & disputed the charge.  Word to the wise, just check your statements yourself, this is a charge of $249 and identity theft scam.

Same here just got the letter and did research and sure enough it was a scam. Anytime its too godd to be truth I always check knowing this from expirience cuz i work at a bank and I see a lot of similar fraud and scams like this.

I just received this letter, did a bunch of research, looks like a scam, they ask a bunch of questions like if your loan was sold (yes) and if you had an adjustable rate...then they say for $$ they can research to find out if you are owed money.  Don't call.

Ya its gotta be a scam. Damn I was getting excided. Even began planning a vacation with the possible refund they promised. Glad I looked it up first. Watch out people!!! But they sent a letter in the mail with this number to call. So of course I didnt call it until I checked online.