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Greentree Finance

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Greentree's troubled portfolio of mobile-home loans was sold to Conseco a few years ago, leading to the third-largest bankruptcy in U.S. history. Conseco has rid itself of Greentree as part of the bankruptcy proceeding, leaving customers in a fog, as these consumer reports show.

Sylvia of Humboldt, TN October 1, 2009

I have tried to reason with Green Tree. At the beginning when I was employed I had no problems after losing my job there was no compromise. I have received harassing calls and threatning letters. After sending a payment I received not 1 but 2 letters (same day) stating they received payment but still had taken Necessary steps to gain property.

After notifying Green Tree to ask for assistance (Payment) I was told to borrow money from relatives after borrowing money to try to update payment. I still had no one at Green Tree to help me instead I was given the run around along with "Payment Default." I suppose to be geeting a deferral for Aug and Sept. But i will believe it when i see it. By the way this nightmare started with me June of 2009.

After visiting site I realized so many other have gone / going through same situation. I really would like to settle this matter without losing my home. Or instead of sending our money to Green Tree. We should all get together in send it to a Attorney.

agena of indianapolis , IN September 23, 2009

Green Tree bought my loan for my house (not a moble home)from Ocwen and I was on a fixed rate, but when Green Tree bought it in April of 08 I cont. to send in my 553. that Oct I was sent a letter by Green Tree saying I was 1300 behind. I called them up and spoke with George and he said when they bought my mortgage from Ocwen my payment went up but couldn't tell me why. I money gramed them the 1300 I then received another letter the next month saying I was 2 mnths behind and this has gone on since then. I called the Homes made affordable # and spoke with someone who said I qualified for a loan modification and for me to call my lender so I did and Green Tree keeps telling me they don't have that packet yet so you will just have to keep making your payments. I am right now 2 months behind (because they have raised my payment and I am on disablility), I called to make arrangments and was overtalked and told I had to get them the money in now. I told them I couldn't send them anything until the 3rd and was told by Shanna (who said she was a supervisor) that after midnight the deal was off the table and they would start to forclose. I told her "Well good luck selling my house because house in my neighborhood were not sell" She then said we would do a shortsell and come after you for the differance. I asked her how if I am on a fixed rate could you raise my payment over 100?

She said the reason your payments are not the same every month is because the value of your house changes each month. I just told her that was BS because my payment has never changed with any other mortgage company. They do call over 20 times a day and they are calling my parents 10 times a day. My parents have told them I don't live with them and they have nothing to do with my mortgage (not a co-signer or anything) and are on the no call list, but they don't listen and they are still calling them. I told my parents to sue them for harrasment. I have tried to refi. but because I am behind 2 months I can't find anyone who will refi. I don't want to take out any extra money I just want away from Green Tree and back to paying the amount I originally refi'd for. I spoke with several different companies that said they don't know how Green Tree raised my payment if I was on a fixed rate and they don't understand why Green Tree has my loan anyway because they do just moble home and double wides.

Hilary of Morriston, FL September 21, 2009

Hi I am submitting this on behalf of my mother. She has been dealing with Green Tree harrassing her about late payments and such since my fathers death in 2007. Their home was financed solely in my fathers name but my mom is the owner of the property. My mother immediately after his death submitted his death certificate but still 2 years later is receiving calls from them asking for my dad.

Recently she received a phone call stating that she could continue to live in the home and they would take her payments but she would never own it so she asked them to come and get it off her property and she was not making any more payments. She has recently purchased a new mobile home that is waiting to be delivered. Greentree also filed a lawsuit against my mother for nonpayment and illegally detaining the home. When she appeared in court it was thrown out of court.

My mom was told that someone would be there to pick up this mobile home last monday so we emptyed it and mom is living in a camper trailor in her back yard with her 11 year old grand daughter that she has custody of. No one has come to do anything to move this mobile home and are now telling me that it will be mid October until they can move it. They are willing to let us have someone else move it to the side of her property but we have to pay for that out of pocket.

Patricia of Brooklet, GA September 21, 2009

My father purchased a mobile home for me in 1996. This stayed in his name, well he died in 2006 and since then Greentree has made my life as well as my family's life a living hell. They do not want to work with you on anything, they have called repeatedly and harrassed myself, cussed out my children, called my mother, who is the administrator of his estate, my sister, who has nothing to do with this loan, they talk about the account, totally breaking client confidentiality.

I have been making all payments on the home for over 13 years. I lost my job and have had problems making the payments, I am NO WHERE on this loan, my name appears no where but they continue to call and harass me and my children, my mom and sister.

At this point, they can come get the house, I am not legally responsible for it and can walk away. If anyone is considering purcasing a home and needs financing, please do not use Greentree. they are heartless and rude. Cant something be done about the harassment they are inflicting on my family?

Liz of Kinston, NC September 12, 2009

I called and found we owe 318.00 for September 2009. The lady I spoke with asked for our debit card # (my husband's) he authorized the 318.00 but then she stated there was a 12.00 processing fee so he said we would send a certified check and she said this matter has to be taken care of now. So I went back in the yard -he was cutting grass and asked about the processing fee of 12.00 and he said no.

I went back to the phone where she was waiting and told her that he agreed to the 318.00 but not the add'l fee. She became angry and said she would report this to Regional-so I asked what that meant and she said it meant "Refusal to Pay" and hung up on me. We have paid for this 31,000.00 mobile home (1300 square feet) for 15 yrs. That means we have paid 56,100.60 including the interest and it is on a brick foundation.

We plan on sending a money order or certified check today for the 318.00. if they refuse my husband said he will get a lawyer. I don't know what will happen I guess the next knock on the door will be from the sheriff -will keep you posted but I would not suggest using Greentree to finance your home -the calls are relentless if you are 2 days late -or as in our case my husband unemployed for 2 months. They are trained to take the human element out of an given situation & they keep a car on the track with Greentree plastered on the front of it-so apparently they are doing well.

Christopher of Phillipsburg, NJ September 10, 2009

I previously held a second mortgage on my home with National City Bank. I never had a late payment and even sent extra to chip away on the balance. My loan was bought by Green Tree a few months ago, apparently my payment went to National City just prior to Green Tree taking over the loan.

Green Tree collections called threatening to forclose on our home, I explained the situation which they didnt want to hear about. I am sending the pament to them to make up for a thirty day late payment do to the error, they stated if they couldnt have me pay by phone for a twenty dollar chardge they would send my loan to forclosure ? I owe them no money at all and am current, can they still threaten me with forclosure? Thank you

Raymond of Sedalia, MO September 9, 2009

Green Tree sent me the alleged requisite verfication, in what looks like either a scanned or faxed copy of the alleged contract along with payment breakdown information from when greenpoint had it and while green tree has it, showing the amounts applied to principle and what was applied to interest, as requested and required within one of the 5 page debt collector disclosure statements they had received. however i have yet to receive a completed debt collector disclosure statement, completed in writing, with all the other required documents as requested, required and specified therein.

Completion of one of these as well as supplying all other documents would greatly be appreciated. They sent the forms, I received on september 8, 2009, on september 4, 2009. I do really appreciate their correspondence, however i still would like to have all the other documentation as requested, required and specified herein.

They are going to be receiving another 5 page debt collector disclosure statement, that was mailed on September 5, 2009, here very shortly. They can disregard this one if they complete and return one of the others with all other requested, required and specified documentation therein.

Stacy of Brandon, MS September 9, 2009

My husband & I bought a doublewide trailor in 1996 that was custom made with 6" walls, double pane windows, tounge & grove flooring. We put down a large down payment & even traded in our old single wide trailor. We had 3 years & our trailor would be paid for. The total owed to pay off was 11,000.00. We fell on hard times. We informed GreenTree of our finacial problems but they didn't care. We fell behind on our payments. I hired a company, Lifeline to help communicate with GreenTree and they assured me that GreenTree had agreed to work with us since we had been such good customers over the years.

But unknowing to us GreenTree filed a court order to have us pay the full amount owed within 2 weeks or they would foreclose. I called Lifeline and asked is I need to start looking for a new place to live since I couldn't come up with 11,000. They told me no, they were still working with GreenTree & by law I had at least 6 months to get caught up on my payments then I could continue paying my regular payments until the mortgage was paid off.

Two weeks later a officer with the Rankin Co. sheriff's office showed up with court papers giving me 4 hours to get what I wanted out of the trailor because it would be locked & anything left would become GreenTree's property. We were all moving and grabbing not really paying attention because we didn't know when the officer was going to show back up and lock the doors.

I called GreenTree to explain our situation and ask for an exstention for a few more days to get our belongings out but they refused. When the officer arrived and told us to stop, everything in the house would stay. But we couldn't find my husband, finally we found him pasted out by the fireplace. We tried to wake him including the officer but he wouldn't respond so the officer called for an ambulance and my husband was taken to the hospital. The peramedics couldn't get him to respond to them. After arriving at the hospital they did a CAT scan and found the concussion had cause damage plus the stress of losing our house with such short notice had put his body in shut down mode. GreenTree care nothing about my husband disablity nor he damage that was caused due to their repossession of our home.

We've been out for 2 weeks now and they haven't done anything with the trailor. They have to put the axles, wheels and towing tougnes on it after they pull up the supports that are mounted into the ground. All they have done is gone in the trailor to see what all they were getting that we didn't get out and put a for sale sign on the window by the front door which can't be seen from the road. You have to walk up on the deck to the front door just to see it.

But since the property belongs to us the officer did say that GreenTree or anyone else couldn't move or touch anything on our property. I feel like putting no trespassing signs up because I don't want just anybody walking around our property taking things we haven't been able to move yet.GreenTree and Lifeline have left us without anything so we are struggling to try to make ends meet. We are trying to sell just about anything we can since we only have my husbands disability is out only income at this time.

I know the man from GreenTree that came to our trailor told our neighbors the are selling the trailor for 55,000 so do we get the difference since we only owed 11,000 or do they take everything we've paid plus get to keep the full amount they sell the trailor for? If anyone has any suggestions, please email so I can try to recope something. GreenTree is a fraud. They tell you they will work with you during hard financial times especially with someone disabled, but thats not true at all. The are only out to make and take peoples money and belongings.

The representative I talked to and her supervisor were very rude and said they didn't want to work with us in any way. So if anyone knows of any actions I can take against GreenTree, please notify me. Take my advice and find another financial company and stay away from GreenTree. They are only out for themselves and care nothing about their clients. Dont be their victim. Our family is left with nothing. We lost our home over 11,000 plus furniture, old family possessions that have been pasted down over the years not to mention the physical damage cause to my disabled husband.

Raymond of SEDALIA, MO September 5, 2009

ADDENDUM to recent previous complaint filed on september 5, 2009. Tried filing dispute on September 4, 2009 with EXPERIAN as pertaing to Green tree. They wouldn't let me! LOL! And it was the very first time i tried to! I did file other disputes with them though and the dispute file no. they gave is: 3999445730.

Raymond of Sedalia , MO September 5, 2009

UPDATE TO MY PREVIOUS POST: Green Tree has changed it's physical address in St. Paul Minnesota! Also i tried(And i do mean i tried tenaciously... LOL!) to file a dispute on my EXPERIAN report pertaining to Green Tree. Can't do it. They (i.e. EXPERIAN) keep claiming the information has been verified. Funny thing is, this is the first dispute i've tried to file pertaining to this matter. Everything i entered (including many off the wall things, like Mickey Mouse allegedly claims to have a small penis even has been verified by EXPERIAN as pertaining to GREEN TREE.) I did notice something very peculiar though. Their physical address changed! I'm going to file a complaint with the Attorney General's office here in the state of Missouri very soon.

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