SFR US Certified Processing
Complaint 167695 Details

SFR US Certified Processing

Seeking Refund of $995.00 from SFR US Certified due to Fraud. Misrepresentation, Bad Advice, and False Promises. I was told by SFR not to make anymore Mortgage Payments. SFR US Certified will contact GMAC on my behalf to work out and Qualify me to be approved for a HAMP Modification.

I was currently approved by GMAC for a Trial Inhouse Modification Program and had been scheduled to start a Three month trial Period effective August 01, 2012. I did not qualify for the HAMP Program with GMAC because I fell short Five Days on the 60 Days Delinquency Requirement in July 2012. August 10, 2012 Bruce from SFR US Certified contacted me by Phone. After taking my Income and Debt information over the phone, Bruce stated that I qualified for the Government HAMP Program with an Interest Rate of 2% with payments less than $500.00 per month which included Escrow. SFR (Bruce) also advised me that I need to stop making my trial Payments, and no other Mortgage Payments will be Due until January 2013. Bruce from SFR asked for a $595.00 payment to process the necessary Documents. This will allow SFR to work on my behalf with GMAC Mortgage Company. SFR will negotiate with GMAC Litigation to Qualify me for HAMP which would reduce my Payments much lower than the INHOUSE Modification Program. I deposited $595.00 into their Chase Bank Account on August 15, 2012. The Bank Deposit made me feel more Secure. SFR US Certified Agent Laura Avila initiated the processing Documents for me to sign on 08/21/12.
Richard from SFR Certified.US was responsible for Faxing my HAMP Documents to GMAC.

August 30, 2012 Adam Kennedy from SFR Certified.US requested more Money. He needed $400.00 for a NPV Report to complete the processing of my HAMP Loan. He stated that it was requested by GMAC Mortgage Company. September 7, 2012, $400.00 was deposited into Bank of America Bank. On September 7, 2012, I called GMAC to verify if the Third Party Authorization and Release Form were filed. No Third Party Authorization Form had been filed with GMAC. I called and Emailed Bruce, Richard, Adam Kennedy and Daniel White to resend ASAP.

September 20, 2012 Adam Kennedy from SFR Certified.US requested more Money. He needed $1495.00 to cover more processing Fees. On September 24, I again notified GMAC to verify if the Third Party Authorization and Release Form had been filed. NO Third Party Authorization and Release Form had been filed. I called and sent Emails out to everyone at SFR again, to resend the Third Party Authorization and Release Form to GMAC.

After completing my INHOUSE trial Payments, on September 26, 2012, I was notified by GMAC that my Permanent INHOUSE Modification had been approved. Still, my Third Party Authorization and Release Form was still NOT on file.
After 60 Days, SFR US Certified Processing never filed a Third Party Authorization and Release Form with GMAC. Adam Kennedy did nothing but take my money, and claimed he ran an NPV Report.