Excellent research my friend. Thank you!

I came to this thread from http://800notes.com/Phone.aspx/1-888-681-9902/7 where From Texas posted on 12 Jan 2012 that 888-407-7178 is the number from his/her letter (if you don't see it on page 2, 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 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) that also 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."" in apparent response to the use of Wells Fargo's logo on AMT's websites amtdivision.org and deadpanham.com at one time. A total of 6 bank logos were displayed at one time but I don't know if they are still there given Wells Fargo's statement (their attorneys can't be far behind).

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 used to be registered to Colton Moody some weeks ago but is now registered to Mark Sullivan 819 N 1570 W PLEASANT GROVE UT 84062. See that "Company Type: DBA" on the second line? AMT Auditing Services is really a DBA despite having "LLC" in its registered company name. This actually fooled the BBB into listing AMT as a LLC for many months but it's been corrected now.

No Utah business license appears to exist for Mortgage Auditing Program in apparent violation of Utah state law that 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."

AMT Auditing Services, LLC's phone number 888-681-9902 is also used by CRM Ventures LP. BBB listing http://www.bbb.org/utah/business-reviews/cred ... ork-ut-22301453 which, by golly, has a A rating and Company Contact Mark Sullivan. Whoa! Could it be the *same* Mark Sullivan who is the Registered Agent on AMT's business license? Same phone number, same Mark Sullivan?

CRM Ventures LP also does not have a Utah business license in apparent violation of Utah state law. There is a license for CRM Ventures LLC https://secure.utah.gov/bes/action/details?entity=7325828-0160 but not CRM Ventures LP and the two cannot be considered to be the same. LLC=Limited Liability Company while LP=Limited Partnership.

AMT Auditing Services LLC doing business as AMT Division and Mortgage Auditing Program 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 Primary Contact. Colton Moody is also a principal in The Summit Group of Utah LLC http://www.bbb.org/utah/business-reviews/trai ... ehi-ut-13002802 with 1 settled and 1 pending Government Action against it. It has an "F" rating, the Gov Actions are 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 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?

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.

This is a negative option deal -- if you fail to take positive action to cancel the free trial, it will turn into a live subscription and you will be billed $49.95/month with NO REFUNDS. You 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 also registered to a domain proxy by an owner who doesn't want to be found. 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.?

The last time I looked (but they may have been moved elsewhere):
1. Rebate form for $149/$199/$249 audit was on the FAQ page of AMT's website amtdivision.org.
2. Cancel instructions for $49.95/month 30to8 Debt Software was on Cancellation Policy page of 30to8's website 30to8.com.

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

Got a letter in the mail.   It's a scam.

Got a letter:

"MORTGAGE AUDITING PROGRAM
DIVISION OF ----------------------------------->   A.M.T.  
RECIPIENT CASE # ...xxxxxx

yadda yadda yadda "Government studies" and "FDIC" research yadda yadda

refund average is $1497.32 and one third range from $3000 to $7500

you are eligible for yadda yadda

MORTGAGE AUDIT NOTICE.....CALL  ----->   888-716-9582
reference your case # xxxxxx"

I got the same letter as you recieived. As far as personal info everything they have is all public information. Couple of points are One, they do not state who your mortgage lender is. Two,the words of may have and maybe. Red flags for me !

they must be  a scam - asking for your credit card up front! I called the lady back and she was indignant saying they've been in business for 6 yrs. I asked her why there wasn't a letter head. She said it was on the envelope. She said she'd temove my file. She shouldn't have my info in the first place! I'm angry about snoopers.
Martha ext # 1456 everyone should call HER~!

im going to send this in my payment too, like u said mayb they can do something about it. im mad that they have this much of my personal info.

i also got a letter, saying the same thing. glad i looked it up before calling. thank u!!

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 am glad I do a search on this phone # to confirm that it's a scam. It's too good to be true. Anything that's too good to be true is not true. So many greedy people out there always find a way to scam others.

I got the same letter for the 888-407-9450 number.  I knew it was a scam so I called to find out what the deal was.  I didn't give them any info but when I kept asking them questions about their company they hung up. This letter says a division of A.M.T with no address.

I received the same letter. Thought I would mail it  to the with my morgage payment this month.
Maybe the bank can do something , like put them out of business.#888-407-9450


Thank you for posting this site

[This post has been removed]

I received the same letter.  Being from NY I don't trust anyone.  Thank you for the info, although I was going to trash it anyway.  Lots of scams out there.

I received a letter with the phone number to call of 888-407-9450 referencing a case number and quoting average mortgage refunds.  I was happy to find the number on this site as a scam being busted.  They didn't call, but they are now sending out letters with the 888 number.  Beware!

MORTGAGE AUDITING PROGRAM
DIVISION OF ----------------------------------->   A.M.T.  
RECIPIENT CASE # ...xxxxxx

yadda yadda yadda "Government studies" and "FDIC" research yadda yadda

refund average is $1497.32 and one third range from $3000 to $7500

you are eligible for yadda yadda

MORTGAGE AUDIT NOTICE.....CALL  ----->   888-716-9582
reference your case # xxxxxx

Simply put, they want anywhere from $100 to $300 to audit your mortgage as long as your purchase falls within the "7 red flags" that everyone will fall under. They promise a refund if they do not find anything, and that the entire refund check will go to you. Even if this was believable, you could simply avoid most issues by mailing out an official looking check for $20, so you just wasted the money on an audit that was never done, and they make out with a cool $80-280 (assuming they even bothered to mail a refund of any sort.  
They ALSO state that their parent company is CRM Ventures LP, who after some basic research has no affiliation with AMC, ACT, or any of the other three names others have stated.  I added this notation with the new number because there have been three numbers already posted, this one would be the fourth.
Just hang up, dont give them anything.