Complain about a product or service

Litton Loan Services

Kara of Altamonte Springs FL (07/07/08)
I got a notice of defaul and intent to accelerate for failure to pay amounds due. The amount necessary to bring your loan current is 3937.50. Or they will accelerate the mortgage.

I have never been late on my mortgage. Not even 5 minutes late. I dont know what they are trying to pull but I dont want to be a victim of these people.

May of South Gate CA (07/06/08)
Our Loan was sold to Litton Loan Services on June 1st of 2008. I immediately looked up this company and found many complaints against this them. So I called the company to ask when and how to send my payment. They stated they couldn't speak to me regarding the loan because it was still with Fremont. I had to wait until they had all the paperwork on June 1st.

I called on June 1st and they said that I couldn't make my payment online until all the information was in their system. I told them I didn't want to be charged any late fees, although in my loan agreement I have a 15 day grace period plus Respa regulations does not permit them to add late fees the first 60 days. She told me not to worry and no fees would be charge.

I went online July 4th to make my second payment and I was charged 2 late fees on my first loan. My second loan was charged a 1 late fee. I emailed them my concern and they replied with another email stating someone will properly search and respond in 60 days. I'm afraid they will ruin our credit, and try to foreclose on our home we've had 9 years. I did not pay the late fees because I don't have extra money to do so. Someone please advise. It doesn't seem right that company can cause so much pain by breaking contracts or agreements.

If they continue to add late fees I will not be able to keep paying my house.

Barbara of Anacortes WA (07/04/08)
I had filed a bankruptcy in 2005 due to a medical problem that I have. My loan was with Wash. Mutual...the loan was discharged on my bankruptcy (Chapter 7). About a year later up pops this company LITTON LOAN SVC and they are trashing my credit even more now...saying that I owe them for an account that was discharged on my bankruptcy.

I do not understand how a company can make you pay for something that was discharged and in the first place, I do not and never had a loan with Litton Loan. I think what has happened is that they must have purchased my account from Washington Mutual AFTER my bankrupty was discharged....and now they say that I HAVE to give them $80,000. We all need to get together and form a Class A law suit. 

They do not return calls, they refuse to take the wrong reports off of my credit report. They show me as having an open account with them, which I do not have and have never had. They continue to report late payments.....

They have trashed my credit much more than when I filed my bankruptcy. My credit score was just coming back up when they stepped into the picture and created my nightmare. They are rude, uncaring, and when confronted with the law in black and white....they choose to ignore it. They don't recognize the bankruptcy laws...they don't care...they are going to try and collect anyway.  I am not a loser, and I pay my bills. I had a medical problem....this was beyond my control...so I filed banktruptcy....that should have been the end of this....but is is not with Litton.

N of Kansas City MO (06/27/08)
Litton bought our loan on April 1st 2008. I called at the beginning of April and was told I was not in their system yet and to call back. I called back and talked to a representative and let them know my husband was in between employers, we had gotten behind and that we were on a pay arrangment with our prior mortgage co. They did not care anything about a payment plan. They refused to work with me and started telling me what they were going to do if I didn't pay. During this time I spoke to about 5 to 6 different reps and got 5 to 6 different answers.

I found a realtor who suggested I do a short sale because my home is very upside down and after 3 other prio attempts at selling it, we weren't successful. Anyway, I received an offer for $100,000.00 We owe 129,000. My realtor faxed the paperwork about 5 different times to 5 different numbers and we're still told, it was never received. Basically, I came to the conclusion that they want my home and want to foreclose. This went on for 6 weeks. Finally, the buyer we thought we had, backed out. Our home is going up for a sheriffs sale on 08/14/08. I don't know what else to do. They refuse to call me back and I can't get anyone to help. My credit is ruined. Litton should be stopped.

Linda of Johnstown OH (06/26/08)
This is a really long problem that started in 2005. So I will shorten it as much as possible. My loan was with Ameriquist and then transfer to Countrywide when I went into foreclosure. I set up a payment plan with Countrywide and then they sold my mortgage to Litton Loan. Then the nightmare begins. There is more but I need to get to now. I caught up my loan payments when I sent over 22,000 dollars to pay lawyer, back payments, forbearance etc. Anyway I caught up the loan.

Now the company is charging me late fees, coorporate fees, placed insurance which when I caught them they took it off my payment but only paid me back half the fee. I refused to pay any Forbearance fees because I am not behind and since the beginning of this year they were reporting to the three credit barues that I was late on payments thus hurting my credit. I have also paid them fee overages because they continue to say I am behind and they keep on sending threatening letters of foreclosure. They also have not answered any of my RESPA letters and no one is doing anything about it. I have so much proof of everything they are doing but no one helps those who can not afford a lawyer. I contacted the AG department of Ohio but they are in crises because of sexual allegations, FTC who just ignored and turned it over to the Ag and did nothing, Hud and many other people.

This resulted in me no being able to get a private loan for college, physical distress, and the monetary damage is termendous as you can believe. They have never once tried to help me modified (that is another story in itself). I want to sell the home at one point but they never once sent me the payoff value. They have not once answered my requests. I sent through email and through mail and certified mail.

Donna of Shoreline WA (06/25/08)
I am a home buyer trying to purchase a home that Litton holds the title on. Today is 06/25/08 our offer went in on 04/22/08 were had written in our paper work to close on 06/23/08 and here we are with still no word from them. We are currently renting and had to beg to get just one more month to stay here. Now we have no place to move to and of course only our earnest money left and that's not enough to get you into another rental. I just want to buy a house, and now they will foreclose on it and wont even get what we offered them..

Stress and anxiety. Strain on my marriage. More headache and heartache than I ever could have imagined

Shana of Newark DE (06/19/08)
I called Litton to find out why they were not keeping my original payment due date which was with my original mortgage company: Freemont. Freemont sold my mortgage to Litton. (thanks alot Freemont)

First of all, they never sent me a statement, I received a little note card saying welcome to Litton were your new mortgage provider. So, I called on 05/30/08 to find out when my payment was due and to possibly arrange autopayment (to ensure that my money is taken out by the due date and no one can say they did not receive it or received it late.) They told me they did not have my information yet and it would be due on 06/01/08 and did not recommend me setting up autopayment yet because they usually sell the loans anyway. What!

OK, so I called back on 06/02/08 as I was told to inquire again and as I said to find out why my due date was not on the 15th of every month. Well, the lady tells they cannot change the due date and Plus she told me I have 60days to make the first payment before it is reported as being late.OK. So I informed them that I would be making a payment on 06/15/08 as I normally due. She also told me there would not be a fee for the first payment made.

I called on 06/17/08 and made the payment over the phone. Prior to making this payment the rep-Monica who would not give me her last name told me there was a fee and after arguing about that said she would not charge me a fee. Then this woman asks my with attitude of course why I am late and I told her I am not and explained they just purchased this mortgage. I also once again explained to her that my payment has been due on the 15th and if my next payment is due on the 1st being less than 15 days for my next payment it will make me late and I have not been late since obtaining this mortgage! And don't plan to be!

I asked to speak to a supervisor and Rosalyn aswered the phone with, She just told you there is nothing we can do about your due date, we can mail you a automatic payment form to complete which takes up to 60days. I was furious! So I asked for her supervisors name and contact number. She told me she did not have to give me that information and could transfer me. She transferred me back to there automatic customer service line!

My loan information states that if I am late on even one payment my rate will almost triple! If this happens and I am unable to afford my loan and unable to refinance to get a lower rate I am going to loose my home that my husband and I have worked to hard to get! I understand that loans can be sold but to a company who is trying to make you late? I don't know what to do! I have been searching all over the place online to find out if what they are doing is illegal. I have some contacts who have told me that it is. However, I need my info in writing. I plan to contact our lawyer who handled our settlement at this point! If anyone else can help with this matter I am more than happy to accept. I do not have any money! I also need to know if there is a lawsuit going on currently against this company and I plan to write letters to them regarding this matter!

Kristina of Woodstock IL (06/18/08)
Litton Loan is has recked our credit for life. It all started back in 2003. We purchased our home and had Fremont Investment as our holder. We had a low interest rate with a arm. Our payment was $1700 a month. They sold our mortgage to Litton in 2004. When it transfered, we were not having our taxes and insurance escrowed. When we signed the papers with Fremont, somehow we signed for escrow. Because of this, Litton decided we owed back escrow and we were immediately 2 months backed up.

So, we decided to refiance with a different company because Litton was so hard to deal with. We did and guess what, Litton got it again. Our mortgage payment went up when we refianced to $2480.00 and was at 6.5% on a 3 yr arm. In a two year time frame, I had alot of misapplied payments and therefor got behind with them again. They never could give me a anwser to where the monies went. Because of the issues of the misapplied payments, our credit went down the toliet. Everytime we got caught back up, payments got misapplied. So, when our arm came due, we could not refiance.

Our original papers said that our interest rate could not go up more than 1 point in the first 6 months. Litton went from 6.5% to 9.5% and jacked our payment to $3800.00. They said, In the small print. I immediately put the house on the market and within three months, had a pretty good offer. Litton then said I had a $10,000 prepayment fee. My loan papers state a 1 year prepayment fee. Litton again said, In the small print. Behind 2 months in mortgage payments, Litton would not wave the bogus prepayment fee, and the deal was lost. My offer at that time was $428,000.00.

We continued to struggle trying to sell. Last January, Litton decided to offer us a fixed interest rate of 7.5% and bring the loan current. They said to send them $3300 and that would be the first payment of the new loan. We sent the money. When our first statement came, it said we owed our first payment. When I called Litton, they said the $3300 was closing costs. I still have never gotten any papers on the refiance, but that is water under the bridge.

In the continuing months, we had more misapplied payments and went into forclosure. We moved out, but still had it for sale. The furnace gave out this winter and the pipes froze, doing $80,000 worth of damage. The insurance paid out and Litton said that I needed to sign the check to them and they would notify me as to if it was in their best interest to fix the property.

After talking to 10 different people, I was told that it would not be in their best interest and to try to sell the home AS IS and that I had till August before the auction. Luckly, I got a buyer for the property. The offer was lower because the damage to the property. The offer was $250,000 plus the insurance check for a total of almost $300,000. It has to be done as a short sale though. Four days after the offer came in and I notified Litton, our sale date was moved up from August 7th to July 19th. Litton told us all the information we needed to send them to get the sale done and holt the auction. This was three weeks ago.

I sent them all the information three weeks ago. I had called over 30 times and never got a phone call back. Last Friday, I was told by a forclosure rep, they had no record of a short sale. My lawyer faxed the papers again on Friday. Today is Tuesday, and I finally got a call back who told me, they have no papers on a short sale. Told me to fax again. I am going to get my home forclosed because of Litton and their practices. I have done everything in my power to make my payments and stay in my home, but this company doesn't care about anything. I have tried to sell the property, but they do not care.

My home was 3600 sq ft and we had to sell everything we had to move into a little house, because our credit was so shot, we could not move into anything that required a credit check. We will have to claim bankruptcy.

Nicholas of Mililani HI (06/17/08)
This company has an automated message and calls our home every day at 800AM in the morning. The message asks for a christy and obviously there is no one at our home with that name. I have asked them to remove us from their calling list but they have not done so.

The calls wake my family up on a daily basis - it is draining.

Karen of San Jose CA (05/28/08)
Was qualified to re-finance my mortgage 2 and 1/2 years ago. The payment was $3700.00 a month. I was shocked that I qualified to make the payment. I did not take any money at escrow, it was to recover from being behind.

Well I lasted 2 and 1/2 years of making the payment to who else LITTON LOAN. i HAVE GONE THROUGH MY SAVINGS TO MAKE THE PAYMENT. I tried to get help from Litton but I could not get anyone to call me back. I did get put through one time and I was told I could save my home if I sent Litton $40,000.00 and then made my payments on time. Yea I have $40,000.00 sitting around to send to you. This Thursday at 9:00am my house will be sold at Auction. I have had this house since 1982.... Now I have nothing. Let's thank Litton kids, thanks Litton

CREDIT DESTROYED LOST MY HOME AGED 20 YEARS AT ONE POINT THOUGHT ABOUT SUICIDE.

Steve of Irondale AL (05/04/08)
Litton Lending bought our mortgage in early 2008 from Citi Financial. The first of April and informed us that we owed them $3000 in late payments, and that they had tacked on an escrow account. They said that our homeowners insurance had lapsed and that they paid our propertytaxes, neither of which is true. They never bothered to call to verify that in fact the insurance is indeed current and that we paid our property taxes late last year. We have proof that the esrow is not necessary and that we indeed paid both accounts in full and are not delinquent. We were told that they would not remove the escrow eventhough we have sent them proof of payment.They always tell that the information is not in the system.

They also refuse to try to settle things peacefully. Every customer service rep that we have spoken to are both condescending and extremely rude.

As a result our credit is ruined, and pou payments sre so high now that we are not able to make the full payment and are therefor behind. I have tried everthing I know save to hire legal counsel to reolve the matter. Thanks to Litton Lending we are deeply in debt and are unable at this time to get out of it on our own.

Lisa of Southgate MI (05/01/08)
Litton was great with us when it came to 'modifying' our Home Loan when we got behind last year. BUT, when we had to file an insurance claim with our Insurance Co, Litton has been absolutely incompetent and uncooperative with the process. We had to sign over the insurance check to Litton and then they would disperse it to us in two halves. We were waiting for Litton to send the 1st half after many numerous faxes and re-faxes. We eventually had to use our own money to fix the water damage in our home because it was in shambles and we couldn't live that way any more. We were 95% complete and had to call them for the inspector-which took TWO WEEKS to get one to the house.

Then it took another TWO WEEKS to send the money. Then, we had to send over the depreciation check to Litton and it has been going on a MONTH now, trying to get our money. They claim that they didn't get the fax, then say it takes 72 hrs to get the fax, then someone else says that they get faxes within two hours and then back to not getting the fax, back to it takes 72 hrs to get faxes...over & over & over. Differnet person, different answers every single time. Because we used our own money to repair the damage. We would get behind on our other bills, including the Mortgage. So they would want yet another fax to authorize them to take the payments from the check that they were holding.

They deliberately hold that money until were are behind so that they can take it from the insurance check. Each time, the money dwindles away before we even get it. It's ridiculous! This ins. claim was opened in January and we still have yet to recieve all of our money. Litton should be ashamed at how they conduct business and there should be some kind of consequences. I am refinancing the first chance I can get! Which, in this economy, won't be soon enough!

Gary of Yuma AZ (04/30/08)
My loan was sold to Litton by Ameriaquest at about 20 cents on the dollar at first everything was ok but then we started getting hit with late fees and when I called Litton to see why this was going on they said because you must be sending your payment out late so my next one I sent reg. mail and they had to sign for it , it took two(2) days they called me wanting to know what I was trying to prove I told them this way I know it don't take 16 days for mail to go from Yuma, Az. to Houston,Tx. but after that every payment I sent was late they even put on the computer read out (copy of payment history) that we even had checks returned

I have turned Litton in to the Better Business Bureau,U.S.Distrect Court,Attorney General and the Consumer of Finance but was told by all of them that there wasn't anything they could do but they would keep a watch on them well big deal like thats going to scare them into doing things right one of them places should go in there and shut Litton down and go through all the records but not let them know they are going to do that I'd bet more than half the office people would go to jail and if the BBB,Attorney General, Consumer of Finance and the U.S.Distrect court can't help people out when they are getting ripped off by a place like Litton why are they there who do they help is it the companys like Litton who knows just maybe all 4 of them are being paid by places like Litton to just say there is nothing we can do

Litton has us right now at about $1500.00 behind but the payment we got late on was for $592.00 and has been paid up two times but never hit the books and Litton says they know nothing about it we have been turned down around 200 times on trying to get a refinance, there are two other places that have pulled shady stuff on us one is a car dealership here in Yuma, Az. the other one is Wells Fargo Financial Auto

both were proved to be fraud on the contracts they did on us and once again on these two places the BBB,Attorney General,Consumer of Finance and the U.S.Distrect court says they can see it is a case of fraud but there isn't a thing they can do but keep a eye on them I say thank you vary much thast helps a lot

J of Steilacoom WA (04/25/08)
Our Mortgage was sold by Chase Home finance, to Litton Loan Services, without notice, back in July of 2007. We didn't find out until March of 2008, when trying to gain our information for taxes. Come to find out, all of our payments that were paid, in full (sometimes over) and on time, have yet to be credited to our loan. We are being charged late fees, exessive insurance fees that we were never notified about and derogatory credit ratings have financially damaged us.

Litton refuses to acknowledge the payments that our bank continues to supply them and the dates that they have CLEARED my checking account. They currently have me over $9000 delinquent and are threatening with foreclosure on an account that has been paid ON TIME, each and every month. Their condescending attittudes and derogatory communication over the phone is more than any human being should ever have to put up with. Without notice, they have increased my escrow insurance and tax amount by 4 times and have me delinquent on my escrow fund.

I am currently paying HUGE finance charges on a vehicle that I purchased, due to the remarks on my credit report from Litton. I have been denied a refinance on my mortgage due to Littons derogatory negative remarks on my credit report and in getting insurance quotes, my premiums doubled as soon as they were given my SS #. This false information on my credit file is a violation of the Fair Credit Reporting Act and they refuse to address it. They are also telling me that I'm wasting my time fighting it as they have not received any payments that my bank has proven to them WERE made AND ON TIME.

Mary of Las Vegas` NV (03/26/08)
When my loan was sold to Litton Loan Servicing maybe 07/2007, I sent my payment in on one check. I have two interest only loans and I paid both loans on one check. Well they applied both payments to one loan and my second loan went into default. After I called and thought I had gotten it straighten out they did indeed apply the money to the default one but they continued to report to my creditors that we were pass due on that particular loan. In October 2007, I submitted a letter for modification of my loan. In January I received a letter stating that the modification has been approved and they also gave us our modified amount effective 01/2008 for $1,413.64. We also received a voice message saying that it had been approved. We have been paying the modified amount every month. Now when I go to make my payment in March they tell me that we are in default for over $2,000.00 because we should be paying $1,962.00 the amount that our mortgage adjusted to.

Every time I call I can never speak to a person that will be able to clear this up for us. The reps always give me a hard time and say that the litigation department does not take phone calls, and that my modification is not complete. Well we submitted the necessary documents ask of us to sign and returned and we paid the $350.00 fee. They are now telling us they can't help us and thier reporting us to the creditors as not having paid our mortgage since 12/2007. We honestly do not know what to do, we can't refinance because they are ruining our credit. Reprentatives also will say they will email the modification office and have someone calls us within 24hrs but it never happens. So we have no idea what to do or if we are going to lose our home.

I have had to go on anxiety medication in order to perform my job at work. It has caused great stress in our marriage and it is bringing our credit scores down tremendously. We are suffering financially. For starters we were mislead in purchasing this loan in the first place, not by litton, but they are just as much contributing to our stressful life by not cooperating to get this problem solved, they don't care. My husband does not sleep at night and neither do I and a lack of sleep causes more anxiety and we are in a state of dismay.

Sylvia of Stockton CA (03/25/08)
First they are always claiming late payments, they are always late on the impound payments to the insurance and property taxes. I have made several attempts to have this current loan modified as it has gone up dramatically and is going to go up again. They chose to ignore my calls to see if the modification is going to happen or not. They are going out of their way to see that the foreclosure happen. They refuse to call me back or work with me to keep my home that I have worked my whole life for.

I put down $58,000 dollars on this home to lose it like this. I sold my car to catch up and then this interest rate went up so dramatically, I am behind AGAIN!! I am so stressed out I do not know what I am going to do. They make sure to not communicate with us so they can foreclose. I worked very hard for this money to buy this house to lose it over the unfair practices that have been happening to consumers.

Alex of Los Angeles CA (03/21/08)
Litton Loan attempted to make me purchase their insurance when I was already covered. They said that I accepted their loan policy, something that I would NEVER do, and then they added additional money to my monthly mortgage. One operator said that they took care of it, so I continued to pay my regular mortgage, but by chance I got a copy of my credit report and Litton Loan has been reporting my mortgage payment 30 days late, and 60 days late, and in 19 years I never had a late on my credit report.

Litton Loan's reckless handling of my account has made it impossible for me to secure loans and other finances because they falsely have reported that I paid my mortgage late when that is not true.

Rick of Casper WY (03/20/08)
They got a payment and did not enter it for two weeks. Then they said we were late. Then the late charges started and keep going. Then we were in default, so we had to come with more money or they will foreclose. But they will not take payment until it is straight, so more late charges - a never ending game. And no one will help because credit is bad, so how do you fight them?

Got behind on everything, no one will talk to me. I am losing my house and have no where to go. I have no credit and have four people I have to worry about plus a baby coming and don't know what I can do.

I of Pearland TX (03/17/08)
Everybody that Mr. Larry Litton has messed over, why don't you go to hcad.org (Harris County Appraisal District) and get his address in Pearland, TX, and personally let him know you want your money back and/or your paperwork straightened out?

Annettia of Maywood IL (03/17/08)
I filed a Chapter 13 on 8/29/08 Litton. They had stated foreclosed on 8/2/08. All mail was sent to another lawyer, not the one I hired. In the month of January, I received a letter stating that I was over $6000 behind. I called, and no one never returned my call. So in January again I received another letter stating that they were going to court on January 28. I received a letter from the trustee of my Chapter 13 stating that my biweekly payment was going up, so I just assumed that the $6000 was placed in the Chapter 13.

On Feb 5, I received a letter from Litton stating I have 14 days left to save my home, so I filled out all the paperwork, submitted it, called and faxed the information along with $1,300.00. On the day of the sale I called and was told that the sale was postponed until 4/9/08. I waited for the papers to come so I could sign; there have been no papers thus far.

Joyce of Womelsdorf PA (03/15/08)
My bankruptcy was discharged in December 2007. In which $10,728.00 was forwarded to Litton Loan. January 30, 2008 I received a statement that I owed them $7,170.92. I spoke with my BC attorney who informed me that the monies were forwarded to them. Keep in mind, during my chapter 13 I made my regular mortgage payment of $498.00 to them every month. In February, I received another statement that I owed them $4,426.08. Of course with many calls to them, they don't know where my monies are, keep telling me it's getting audited. I have late charges accruing of $920.00, a corporate advance fee due of $2700.

I emailed the VP & executive resolution, to find out today they have me in default. They are showing on my credit report, and statements that I'm 6 months behind on my mortgage. This company needs to be shut down. Customer service reps are not polite. They keep asking me when I'm going to make a payment and I'm up to date. No one can find the BC monies. My pay off request is unreal, Original loan amount $64,800- Principal balance $55,288.46, Payoff amount $68,401.25. I can't get to the bototm of this and am awaiting a letter of foreclosure.

Frank of Mint Hill NC (03/11/08)
I am in the Real Estate business, enought said. I have been taking a beating for about 6 months now. I have fallen behind on my home payment about $8,029.00. I just learned today that the homes is in foreclosure. I have not received any letter from Litton or the attorney they are using stating that the is in forclosure or how much is owed to bring the home current. I did not know they could forclose on a home with out informing the home owner.

North Carolina is a deed state and I have the right to redeem the property right up to 10 days after the date of sale. Litton is trying to pull a fast one and obtain this home from under my feet without giving me a chance to bring the loan current. I have made serveral calls to the person handling my account and of course she has not returned any of my calls.

My wife is on the heart transplant list and it is making her illness worse by her worring about losing her home. It got so bad that her defibulator shocked her because of the strees this is putting her through.

Jennifer of Gulf Shores AL (03/04/08)
We started having trouble making payments in fall of 2007. My husband had had 2 surgeries and then was laid off, and I was not working at the time. I spoke with Litton Loan several times a week keeping them up to date and making payments the best that we could manage, trying to avoid foreclosure. In November they told us that we had to be caught up, or the foreclosure process would begin. They would not talk about any options with us; it was just the same conversation over and over: Why are you behind....Please pay us money. On the last day before the foreclosure process was to begin they told us that we could apply for a deed in lieu or possibly short sale the house if we could find a buyer. EITHER way we should go ahead and leave the property ASAP because GA has the fastest foreclosure in the country.

So we moved at the beginning of December and still have the multiple phone calls a week, but now it is me and my realtor calling trying to see if all of our paper work is in order. It is almost impossible to get a return phone call from these people. If you do get a person, they tell you that things are being processed and that it is normal to not receive any correspondence. On February 11 we got an offer on the house that is $17,000 short of the original loan price from 2004. The offer was never accepted or rejected by Litton Loan--not even a counter offer.

Fast Forward to March 3, 2008: My house may or may not have been foreclosed on today, but I do not know because I cannot for the life of me get anyone on the phone. AND had I known that it would take this long, I would not have moved in December and paid 3 extra months of rent. Plus, I feel bad for the potential buyers who have been just sitting around waiting to hear from Litton all this time. What a giant waste of my and the realtor's time. We have gotten so many papers and documents together it is ridiculous. And to get no response at all is infuriating. A 'No' would have been better than just never getting any answers for almost HALF A YEAR.

I wasted money on rent, and I could have still been in the house. I wasted many hours compiling paperwork, forms, etc. to try and sell the house via short sale, deed in lieu, or other--lus the realtor's time. AND ultimately the house looks like it is still going to foreclose due to my non-payments, yes; but also Litton's refusal to assist us in alternative options that they pretend to offer.

Regina of Kingman AZ (02/26/08)
WMC Mortgage sold my loan to Litton -- this is interest only. Loan went from $697 to $983 per month. I made the new payment but was offered a loan modification if I was having trouble with the new payment. I'd been unemployed for 2 years and living on savings. On 9/24/07 I submitted, per Eric Galvin's request, a letter from my new employer, bank statements and personal letter explaining my hardship. I called back on 10/10/07 and was told he was waiting for docs. I called several other times, but he's never at his desk.

Finally, on 1/7/08 I reached him. He said the loan modification had been approved. I was locked in at the $697 payments for 2 years, and the only caveat was I must refi within that 2-year period. Since I am now working, I told him that would be fine. He said to continue making the payments at the $983 rate until I received the proper documents. On 2/8 I rec'd a form letter stating my new payment would be $990.17 effective 4/1/08. I sent numerous emails saying some thing's wrong here. They sent form emails back saying my file was under review. No one ever returned calls. Today I got a Fed-Ex letter from Deborah Kennedy saying my loan's in DEFAULT, I owe $474.95 for their attorney fees; and if I don't sign the agreement form, I will be placed in foreclosure. My loan has never been in default. I had a late notice once because THEY changed my payment date without telling me. My 9/21/07 to 2/15/08 payments have been $983. (I have the bank statements to prove it.)

I am in no position to lose my house. I will continue to make my payments, but I am adamant about not paying attorney fees for this blatant misrepresentation. I am faxing them the 16 pages of complaints I just downloaded from this site and a copy of my last 6 month payments. I cannot understand how they can legally do this. With this city I'm in and the market bogging so desperately down, I do not believe I can refi. Am I just cheated, or do I have recourse? I refuse to sign their demand letter. I make $13.50 an hour -- not a rich lady and truly unable to legally fight these people.

Marc of Rialto CA (02/18/08)
Well our problem started when 9 years ago we took out a 2nd on our home. and Litton bought our loan. It took time for them to get our loan documents and we were still making payment to the original lender. So all of a sudden we were behind. A few years after catching that up they said we missed 7 payments. At that time we were not keeping good records and really could not figure it out.

Paid the $7000 they said we were behind. This drove us into bankruptcy where we pay back the debts. We paid it off all in full, but since then we have been keeping track of our statements and have noticed several disturbing things, like we borrowed only 50,000 have paid in 9 years over 60,000 and still owe 50,000 found out I got an simple interest loan (what ever that is) and have paid nothing in principal and even when I include more money indicating on the check Principal Payment they apply it to Interest.

We paid a late fee that they said we owed but did not pay late. We sent a seperate check with late Fee they applied it to interest. When we get the statement they don't apper on the statment. Some statments show up with nothing on them,even when a payment has been made. Heck, at one time we were paying the loan 2 months early and still nothing. When called and questions asked they don't know how to answer any question. I actually got one Rep in the BK dept. that tried to help, but all of a sudden she no longer worked there!

Marc of Rialto CA (02/18/08)
Our problem started when 9 years ago we took out a 2nd on our home. and Litton bought our loan. It took time for them to get our loan documents and we were still making payment to the original lender. So all of a sudden we were behind. A few years after catching that up they said we missed 7 payments. At that time we were not keeping good records and really could not figure it out. Paid the $7000 they said we were behind. This drove us into bankruptcy where we paid back the debts.

We paid it off all in full, but since then we have been keeping track of our statements and have noticed several disturbing things, like we borrowed only $50,000 have paid in 9 years over $60,000 and still owe $50,000. I found out I got a simple interest loan (whatever that is) and have paid nothing in principal and even when I include more money indicating on the check Principal Payment they apply it to Intrest. We paid a late fee that they said we owed but did not pay late. We sent a seperate check with late Fee and they applied it to interest. When we get the statement they don't appear on the statement. Some statements show up with nothing on them, even when a payment has been made. At one time we were paying the loan 2 months early and still nothing. When called and questioned why, they don't know how to answer any questions. I actually got one Rep in the BK dept. that tried to help, but all of a sudden she no longer worked there! I, for one, am going to refi, and get a good lawyer!

Tonya of Bellevue OH (02/15/08)
My parents have actually lost their house due to Litton Loans. Several times they received letters that their house was in foreclosure. Every month, their payment was never the same; one month it'd be $1061, then up to $2000 the next. This last time they got a lawyer because they didn't know what else to do. The lawyer told them to make their payments in an escrow account until it was settled. However, yesterday, they received a phone call that Litton had sold their house to themselves. Mom and Dad are distraught. Litton would never even call Mom back--or her attorney, for that matter. So the attorney resigned, thinking that he didn't want to take all their money for something he couldn't ever really get started or finish. How can these people do this? How can they refuse to take money for a loan and then turn around and foreclose on your house? Didn't Bush just sign some law about decreasing the amount of foreclosure happening? This house was my grandma's. She and her husband designed and built this house. This company needs to be put out of business, and an example needs to be set with severe consequences that would stop any other company from doing the same. We as blue collar working folks need to band together and stop these people. There is strength in numbers. I will be forwarding these complaints to Congress.

My dad is a heart patient and has had several heart attacks. I was so afraid that something would happen to him as soon as he heard that he lost the house his mother gave him. I'm still not sure that he won't. It only happened yesterday that Mom and Dad got the call that the house was sold without them even knowing. My mother is 50 years old and not in the best health, and she is slowly giving up. I don't know exactly how much money they have paid unduly--not to mention the insurance that Litton has purchased when the house was already covered with mom's own insurance.

Angela of Sullivan IL (02/11/08)
They tell us our payments are behind and it seems we are never caught up because they hold our payment and always charge a late fee which is their fault. I want to sue them.

They are ruining our credit and we are paying out hard earned money and we cannot get a new loan because they make us look late.

Angela of Sullivan IL (02/11/08)
They tell us our payments are behind, and it seems we are never caught up because they hold our payment and always charge a late fee.

This is ruining our credit and paying out hard earned money. We cannot get new loan because they make us look late.

Louis of Kenner LA (01/18/08)
Litton Loan Svc. has taken money from us that our insurance company says is our content money ($46753.35) and have yet to release them to us. They will not return our phone calls and they hang up on us. They have also been rude. We have asked them to put the money they are holding towards the payoff and that we would then pay the rest in full and have even tried to pay the rest but they sent us our money back and said that it was not enough and that they do not take personal checks. They will not even take a bank transfer. So how are they staying in business if they don't take your money? They have all kinds of excuses and our attorney says they refuse to sign the checks that they have for them as well. So how are we supposed to get something done?

I believe that they need to give us our money.

Scott of Lexington SC (01/17/08)
My home loan was bought out by Litton Loan. Prior to this I had never been late. I was notified that my loan was purchased, then it took 6 weeks for any information for payment to them. From that time onward I was being charged late fees. Even when I sent in my payment on time, after the first payment they still managed to add a late fee somehow. I refinanced asap and have not had any problems since, but I still have on my credit: late payments to Litton loan. I tried to get it corrected and sent them a letter, but still they would not remove them.

This has effected my credit in that I have 3 lates from Litton loan. I managed to get refinanced and now will never go with anyone but a real bank.

Kimberly of South Hadley MA (01/17/08)
We refinanced our house about 3 years ago through AFS Financial. Then our loan was purchased by Litton. About a year after that, I was looking at my bill and noticed that my Escrow balance was over $500.00 in the negative. When I called them about this, all they told me was that when the tax assessor assessed the taxes for my area, he came up with $1100.00. I told them that we had been living in the house for two years (at that time) and that we had NEVER paid that little for our taxes. When we bought the house, we were paying $1700.00, and at this particular time we were paying $2000.00. They said they could do nothing to help us.

Skip forward 2 years and a monthly payment that was now up to $1402.08 until a couple of months ago. I had to call to make my payment over the phone, at the very end of my grace period. I gave the woman all of the information she asked for and was told the payment would be through in a day or two. I received a call the following week, and the gentleman was wondering if I was going to pay my mortgage for that month. Already disliking the company for the past problem, I explained what had happened the previous week. He put me on hold to check it out. He came back a few minutes later and said the lady had keyed in the wrong information, and we ended up paying someone else's mortgage. I was furious. He said he would fix the problem and that we would not get any late charges. Well, the next two weeks we received 3 letters, 2 of which were looking for us to pay the mortgage. Calls of frustration went to them again. They said we were all set. The third was a letter stating that we had made the payment and that they were thankful for our business

This company has left both my husband and myself on edge with them ever since we got them. With the mortgage payment jumping up twice, it has not been easy to pay some other bills.

Lora of Pensacola FL (01/16/08)
My problems with Litton Loan started in January of 2000. They purchased my mortgage loan from my previous lender and the problems started immediately. I had been out of work for over two years and got behind in my payments to my original lender. When Litton got into the picture there was no getting out of the hole. They continually placed their own insurance when I had insurance, and faxing the policy to them did not change the outcome. And their rate was three times what I was paying for insurance. I received a notice in July of 2000 that my mortgage payment had increased in May of 2000, and that I was seriously in arrears. When I talked with anyone at Litton they never gave me any specifics about the amount, how could I clear this up, no cooperation of any kind. I did find one gentleman who said that things indeed did not look right and that I should call him back in two days to give him some time to figure out what was happening. Well, I called back and was told that I could not ask for anyone in particular--that everyone and anyone could handle the account because all conversations were noted in my account folder. However, the conversation I had with the helpful gentleman was not recorded anywhere. When I asked how much I owed I was told by MS. Garcia, that I was being ignorant and that I knew how much I owed.

I finally filed bankruptcy to avoid further loss. The payments made via the bankruptcy were never recorded as being received by Litton. My bankruptcy attorney could not find out how much I owed. Every time he got a figure it was different and never in a logical, incremental amount. I sold and had a hard time getting a final payoff from them, and then it was not itemized--just a number, and I could not determine how it was figured. Yes, my credit, health and life were all negatively impacted for the three years of dealing with Litton. Their insurance company and legal firm are as crooked as they are. Wouldn't be the least bit surprised if they are all under the same ownership umbrella. Something needs to be done to stop all of us innocent, hardworking, middle-class people from being ripped off by big business. These people are unscrupulous and totally dishonest in their dealings with home owners.

I sold my home for far less than its value, my credit is ruined, and I pay a higher interest rate for any financed purchases because of it; my health declined a great deal during this time. I had come out of my deep depression from being unemployed, and Litton put me right back into depression again with their total lack of cooperation. To do anything about this is a full time job, and I do not have the time; but I sure would like to see them stopped from doing business. Others need to be protected.

Michelle of Whittier CA (01/15/08)
Litton Mortgage's company website indicates that they provide the highest level of customer service. However, I have yet to see that. We're currently waiting to purchase a home, and because of them it's been on hold for a month because they don't want to provide the payoff amount for our lender to transfer funds. Closing date had been set back in December 2007, and they came back and said to wait because they were not ready to receive funds. What company wants to continue to lose money on a home that's been sold due to foreclosure? Then when the broker tries to get an answer from them to see when they'll be providing us with an amount, the customer service rep gets mad because he calls everyday. What do they expect?

If they say they're going to let us know in 12 hours, then they say that the file has been transferred to another rep; then after that they say we're still working on it, or better yet a machine answers, and no one ever calls back. The last we heard was that they would let us know in 10 days; we didn't even get a call on the 10th day. I would not recommend them at all, and would hope that other mortgage companies stop transferring mortgage accounts to them.

They have put our move on hold and have caused us to rent a storage and to redraw loan documents, which means paying fees on that again. Mentally - very stressful, especially when their customer service representatives are upset because we're only seeking an answer.

Moxy of San Antonio TX (01/13/08)
Litton Loan Servicing has ruined my credit, I am not able to refinance nor take out a home equity loan. They started by claiming my payments did not arrive on time, adding fees to my account. I solved that by sending my payments through Western Union, which cost me extra. Then in 2004, 2006 and 2007, they took my mortgage payments and applied them to a Lender Placed Insurance, even though I paid my own insurance and taxes. The first time, after many months, I finally proved to them without a doubt that I had indeed renewed my home insurance within time. (Even if I did have an escrow account, don't I get to choose my own insurance company. Why did they not forward the money they took from my mortgage to my current insurance company?) Anyway, they finally admitted that I was right and had money coming back to me. Foolish me, I told them to just place my refund towards my mortgage payment. So, I thought my payment was paid for that month.

But the following month I received a letter saying I was late and that my payment was not received and I faced foreclosure. I called them up and tried to explained the situation and gave them the name of the person I spoke with and the date. It did not help. I faced foreclosure unless I came up with 2 payments plus fees and I got reported to the credit bureaus.

In 2006, I went through a repeat, I was reported as being late for three months, that's how long it took me to dispute. This time I just asked that my money be sent back to me.

In 2007, they did it again, three more times to the credit bureaus. In May, I actually sent them 3 payments. Again they sent me back my money after months of disputing them. By this time, of course, I wanted out of Litton Loan Servicing, so I applied for a refinance loan. This is actually when I found out that Litton had been reporting me as not paying on time. Litton failed to correct my credit report as being current and now 7 months later, I still cannot get them to correct my credit report. This is how they keep me at their mercy, I'm stuck with them. No mortgage company will finance me since my credit report states that I do not pay my mortgage on time. So to all the Litton customers that were a month or two behind on your payments, do not feel bad, they probably would have gotten to you anyway. I have documentation for all the payments I have made and I have documentation of the money they refunded me in case an attorney can help me. I would also like to mention that dealing with Litton is time consuming and mentally stressful which is the weapon they use. I would have given up a long time ago but I have family members that pitch in when I am ready to give up. I am almost worn out, please help.

Litton Loan Servicing had ruined my reputation and cause me and my mother emotional distrees. I have $200,000.00 in equity in a home but cannot borrow against it because of my credit. I wanted the money to make repairs on the house and sell it. Now I am forced to sell the house as is at a much lower price. Also, I am currently paying 9% interest on both properties and need to refinace but I cannot because of the damage. What mortgage company is going to finance me when my credit reports claim I do not make my mortgage payment on time? Worst damage that Litton has done is to my mother that has cancer and is worried sick that we may lose the properties. Litton likes to mail foreclosure notices. We know that at any time Litton can claim we owe them extra money and if we cannot come up with the money while we dispute their claim we may lose our property.

Nicole of Kewaskum WI (01/08/08)
We have been with Litton Loans for over a year and faced forclosure also but came up with over $14,000.00 to keep our home and then they were calling here daily to talk to my husband and wouldn't tell me anything about the loan that I signed for in the first place. It was a home we inheirited and was only in my name in the beginning and now they will not talk to me directly. We are the ones suffering and losing homes that we struggle to be able to pay for. Someone needs to be able to sue the socks off this company for all the mental anguish they are causing in our lives.

We cannot even think in a normal pattern because these people harass me daily and I am not on the loan documents(we faxed an authorization form 3 times) and I did indeed sign.

Samantha of Wytheville VA (01/08/08)
On January 2, 2008 I called Litton to make a payment arrangement for my already late December payment. The gentleman on the line said, let's go ahead and set this arrangement up for you. I took that as I'll make note of this and you can call in by the date promised. Much to my surprise, he actually took my payment on that promised day (which was a Saturday). I thought I needed to call it in so I did on that following Friday night, January 4. Today (January 8) I checked my bank statement and it shows two payments for Litton Loan for nearly $800.00 each. I called Litton to clarify the situation and have the latter transaction reversed. Well, Verna Smith simply said there was nothing she could do about it because appearently I am a dumb person who made the duplicate payment so too bad.

On top of this, they are charging me over $1400 in what they call corporate fees which they will not tell me what they are, they just keep saying that I can request a copy of them which I never receive.

R. of Williamston NC (01/07/08)
My parents are seniors and have lived in their home for 27 years. In 2005 my parents ended up refinancing their home. Their loan was sold to Litton Loan Service. Their payment has increased several times over the course of this loan. They have gone from payments of $600 to $1000 per month. One of my parents passed away in Nov. 2007. Prior to this death, a third party agency has made several attempts to get them out of this loan. Litton applies payments in a manner where it is beneficial for them--the lender.

Loan modification seems to be a foreign language for Litton. Customer service consists of people taking orders but do not solve anything. This nightmare has been going on for approximately 2 years now. My parents dealt with this problem for as long as they could before it mentally and physically drained them. I am not surprised to find these comments regarding Litton business practices. What I do not understand is that they keep doing the same thing over and over again.

The payments have caused financial hardship, which I believed did not help during the illness of my parent.

E of Elverson PA (12/31/07)
After refinancing with E-Loans, our mortage was sold to Litton, and within in weeks they wouldn't accept payments or discuss any reasonable payment to let us catch up. We ended up selling our home and paying them 38K in interest on a loan we had only signed for 6 mths prior, we had no choice but to sell and lose.

Kay of Spokane Valley WA (12/28/07)
Our home mortgage was purchased by Litton from Chase in May of 2007. According to Litton, Chase failed to forward our payment history to them. So, we were placed in foreclosure. After several months of trying to straighten out their mess, Litton, told us there was nothing we could do and that it was our fault. O.K. I can live with that, even though we have every receipt of payment. I mentally couldn't continue to argue with them. We were placed on a repayment plan to pay back late payments Litton said we owed, from when Chase had the mortgage. Every payday, I went to Western Union and made the $1392.50 payment. We started calling our rep. from Litton on Dec. 6, 2007, and everyday after that up to Dec. 27, when finally my husband reached a real person. He was informed that our house is in foreclosure proceedings AGAIN. Because and I quote: "You are two months behind on your payment."

I have completely had it with Litton. I don't understand how this company can treat people like they do. We make our payments. We purchased this house for $90,000.00; when we had it unofficially appraised to refinance awhile back, it was $134,000. We have cleaned it up and put down new floors through out. If any one has an idea of how to put Litton out of business for their BAD business practices, let everyone know.

As school employee's we are paid once a month--the last working day of the month. We as a family we don't do the extras. For Christmas, my children received three gifts each. As a parent I feel like a failure. I am on anti- depressants; and the old saying of you're worth more dead then alive, is true. I don't want to lose this house, but I seriously don't want to fight with Litton anymore either. Our credit is trash, there is no way to refinance, and I am done.

Martin of Santa Clara CA (12/26/07)
I am suing them in court for their dealing unfairly.

Patti of Laguna Niguel CA (12/26/07)
Litton bought out my loan with Sebring in Jan. 2007. Since then they have ruined my credit. How? I send a payment on the first of the month, and it shows up as arriving 3 weeks late. I decided if they were going to play the "let's hold her check and charge her late fees" game, I would do an automatic payment through my bank. I did this only to have Litton return the payment and then claim it wasn't paid. They charge all kinds of unwarranted fees and then hold my payment in what they call an escrow account, not crediting it to my mortgage until it would be way over due. I feel this company is extremely unscrupulous, dishonest, and nothing but run by a bunch of crooks. They stuck my payments in an escrow account charging me for insurance and taxes that I had already paid! The list goes on and on. Nobody in his or her right mind would purposely do business with Litton. That must be why Litton has to buy out other company's loans.

They have destroyed my credit. Litton claims I am behind on payments, when in fact I am current. I have wasted way too much time even dealing with these crooks.

Susan of Methuen MA (12/21/07)
I purchased a home in 2003 through Ameriquest. In May 2006 my loan was sold to Litton Loan Servicing. The nightmare soon began. They have returned payments and have misapplied or failed to credit payments received on a timely manner, charging unwarranted fees. Litton Loan and their attorneys are the worst to deal with; they do not return calls, you are constantly hung up on, and issues are ignored. The duress experienced is unexplainable when your home is at stake with a loan service that just doesn't care and attempts to underhandedly defy FDIC regulations. On Dec 31, 2007, my 4 children and myself will be homeless because no one will rent an apartment to me because my credit has been tarnished for no reason.

James of Kilgore TX (12/14/07)
My wife and I refinanced our house . We were not aware that our mortgage could be sold (our stupidity). Litton Loan Svc. ended up with our mortgage. When we first refinanced we ask to have an escrow account for the property taxes and the original company that refinanced our home set up an escrow (Fieldstone). They then sold our note to Chase who then sold it to Litton. We got a locked in interest rate. For some reason that Litton will not disclose they raised our payment from $571.00 to over $800.00 a month.

Well after hours and hours on the phone with Litton we discover that they are escrowing more than what the property taxes are! Litton also escrowed our home owners insurance which we were already paying! So to sum it up, Litton is double charging us for property tax and insurance. We have documented proof that Litton escrowed more property tax than we owed and proof from our insurance company that we were already paying home owners insurance . My wife got a letter from Litton stating that they had figured out their mistake and we thought everything was fine. Less than two weeks after receiving said letter we get a registered letter from Litton threatening to foreclose on us if we did not pay them $1700.00. We cannot get a straight answer from Litton even when we put the evidence in their hands!

Because of Litton's mistake it has caused us to get behind on the payments of two autos, and it's having an adverse effect on our credit. I draw social security disability for depression and anxiety, and my health is being affected by the stress this mess which Litton has caused.

Niccole of Racine WI (12/11/07)
Shortly after my husband died, Litton Loan Services bought my mortgage and it has been a nightmare ever since. Immediately they raised my interest rate on my arm and have done so several times. I have called them at least 100 times (no exageration) and every once in a while I will get to speak to someone who is unable to assist me. In October, they told me that they had a program for people like me who fall behind. They said they don't do refinancing but they will freeze my interest rate and add the difference onto the end of my loan. The requested ALL kinds of personal and financial info and in Nov. I still hadn't heard anything. After calling several several times, I finally got in contact with someone who said they now need to come into my home and take pictures of each room, sort of like an appraisal. I told her I had never heard of that during a refi but that it would be fine. They got someone out the next day (imagine that). When the person came to appraise my house I asked what they thought it would appraise for and she replied, "oh, I'm not an assesor, I just see if it's in good selling condition- I'm a real estate agent." Sure enough the following week I received a notice of Default and Intent to accelerate on my loan. I feel totally tricked by them. I felt the whole time their intent was to allow my home to foreclose. When I did actually speak to a person when I called, I always asked if I should be making payments in the mean time. Each time they said it was not neccessary, that it would just be sent back or put on hold until the process was done. My husband was an attorney before he passed away, I am definately going to be contacting some of his freinds and see if there is any legal way to hold them accountable for their deceptive practices.

My home is currently in foreclosure and I cannot reach anyone at there place of business.

Russell of Oxford GA (11/29/07)
I purchased a home in 2005 through a local mortgage broker. Eventually the loan was transferred to Litton Loan Servicing. The nightmare soon began. I would typically pay additional money as additional principal so that I could get the loan paid off early and save the extra interest. I kept seeing an entry on my statement named Forebearance Suspense. I have never received a satisfactory explanation of how Forebearance Suspense is defined by Litton Loan.

By doing simple math I determined that the additional payment is defined as Forbearance Suspense rather that being applied as directed. Needless to say this causes additional interest charges on the account, which defeats the purpose of prepaying the principal.

Additionally, as others have recounted here, I had a problem with my liablity insurance, which is escrowed, not being paid. This caused the carrier to cancel the policy (rightfully) and Litton installing their own insurance at, literally, four times the cost of my private liability insurance. After several months of attempting to deal with that mess the company agreed that they did, in fact, escrow the insurance money and finally paid my carrier. However, they would not refund the difference between the cost of my private insurance and their own policy. Fortunately there were no losses sustained during that time at my home. In speaking with my insurance agent, who contacted Litton religiously during this time, this company is infamous for these tactics.

Further, the payment seems to change at the will of Litton with transparent explanations regarding the increase. Looking behind the increases it seems that the shortages claimed by Litton are caused by their actions, either negligent or intentional. Their actions in causing increased fees and additional interest all benefit the bottom line of Litton so one has to wonder if the actions may be intentional rather than negligent or brought about by incompetence.

Customer Care is a joke, for the most part, at this company. Occassionally I would speak with a professional and courteous representative but that was the exception rather than the rule. Unfortunately I do not have the names in front of me of all the people I have spoken with regarding this account. I had no idea that there were so many complaints against this company. Unfortunately, as the customer, we have no choice in who services our loans after we have signed all the mortgage papers and closed on the loan.

Luis of Ocala FL (11/28/07)
My loan was sold to this company in August 2007, I called in October to get a payoff letter as I am approching the end of my 2 year fixed and it will become an ARM. (12-19-2007) When they found out I was refinancing they raised the date of the pre-payment penalty to Jan-8-2008 and I told them I had paperwork to prove that it was not in Jan, but rather in Dec-2007. They told me they would check on it and they would mail the payoff letter.

After 3 weeks and not receiving it, I called them again to request it once more, and after telling them the whole story again and he stuck to the fact that it said it was due on Jan-2008 I repeated the fact that I had paperwork showing it otherwise. So he put me on hold while he checked records and in fact when he came back on the line admitted that it was due on Dec-19-2007, so he went and told me it was going to be mailed in a couple of days. Two weeks later I had not received the payoff.

Bruce of Charles City VA (11/14/07)
Last year, I had to sell my business and money has been tight. Last year my loan was sold to Litton Loan Services. I have since then tried to do my best to make my payments. I was caught up in July, but then received a notice that the adjustable rate went up causing a late payment. I lost my job in Aug, and sent in a payment of 800.00 which they excepted and I explained I didn't have a job and was told to call back when I had a job along with filling out a form to assist with possible repayment options. Since Oct. 1 I have tried to call litton loan services and no one has called me back. I have received notice from an attorney for litton and when I called them they said I needed to call Litton Loan services. All I get is an answering service.

Kathie of Alexandria VA (11/09/07)
My loan was also sold to Litton Loan. I am a realtor and my sales this year went from 15 million last year to absolutely ZERO this year. I have always told my clients to always communicate with their lender - the lender does NOT want to foreclose - they will do everything they can to help you - a lot of them wil lower payments, tack late fees to the end of the loan, etc.

Boy, do I feel like a fool now. It is not Litton's fault that I am in this position - it is mine, however, they have not worked with me AT ALL!! They won't consider doing ANYTHING to help me pull through. So, as of November 29th, 2007 they will be the proud owner of my home on the East Coast.

They don't have to tell you about the pre-payment penalty - it's in the note that you sign with whoever you get your mortgage through. However, holding your payments so they'll be late - tsk! tsk! Make your payment over the phone - yes, it's another $10 - but that's a lot less than the late fees.

Aric of Bowie MD (06/24/07)

I got a letter from Litton Saying that they wanted to help me get back on my feet so I faxed them my explanation letter along with my pay stubs and W-2, they said that my account rep handling my account was on vacation and she was the only one to help me. I explained that I was going into foreclosure soon and that they sent me a letter wanting to help me get back on my feet and I had no response in almost three weeks.

My house went to foreclosure. I called the banks attorney and they said that they would get back to me once they heard from Litton. I called Litton and left messages but no response.

Angel of Atlanta GA (06/07/07)
My loan was sold to Litton Loan Servicing in May 2007. I was not sent any correspondence or notified of the sale. I am not pleased with all that I have discovered about Litton. My loan was sold to them without me knowing about it until about 3 weeks after the date of sale.

I pray that every person and family that has a loan through Litton for any reason receives peace and justice. I pray for all demons to be cast out of this company.

Carl & Susan of Kokomo IN (04/21/07)

We have gone thru a bankruptcy this last year. In 2/07, the trustee made a huge payment to our mortgage acct. of which most of the payment was consumed with interest. Since this time every payment that we make, they purposely wait to post to our mortgage acct after the check clears our bank. Of course, it's always posted after the due date, when in reality, the pmt was received many days prior. This now has happened to us 3 months in a row.

The 4/1/07 pmt has not even posted to our mortgage acct, however, our check cleared our bank on 4/2/07. I have sent e-mails to them regarding questions, now they have blocked any access to our acct online. When we call any phone number that is provided, after the automated service is thru & we wait to speak to a live person, they hang up on us. This has now happened 6 times. We now are forced to contact our atty & the trustees office with this matter.

This company held a check from our insurance company from storm damage to our garage roof for a year & a half because of our bankruptcy. The check was in reality cashed by them a month after they received it, but would not send us any money until our atty forced legal action. Just received a check for the full amt from Litton Loan on 4/14/07 and our insurance company sent the check, which was held by Litton in 9/05. Caused delay in repairing our garage roof, hope to fix in 6/07!

Jackie of Shreveport LA (04/19/07)
Litton loans never informed us about the court order to take our house -- my mother happened to see it in the newspaper. When I tried to contact them I was told it was too late. My loan was sold to litton, they were always so rude. They would put me on hold for anywhere from 15-min to an hour and they would just hang-up the phone.

Jed of Mccloud CA (04/15/07)
I have just lost my house to a Litton Loan forclosure. My wife and I purchased our home in november of 05. The loan was sold in january of 06 to litton loans. Immediatly the gave us notification of being behind on our payments for dec and jan.....because the payments had been made to our original loan carrier. The issue of those payments already being made was never cleared up. We argued with them about the payments and tried to straighten it out for months.....my credit was deystroyed and my initial goal of refinancing in 2 years was now impossible.

I spoke to a lawyer and he told me that there was nothing I could do about what had happend to my credit, and that my best option was to stop paying on the house and sell it before they forclosed. That is what my wife and I chose to do.

I spoke to Marcus R breifly after trying to contact him for a solid two weeks in january. He told my that I had until march 29 to sell my home.....I found a buyer in Late february. I decided to renegotiate my loan contract with litton to make sure that I would have enough time for escrow to close. They told me that I needed to send them a restructure payment of $4500 and he gave me a phone number of the person to contact about making the payment.

I called the number and they told me they would only accept payment in the form of a cashiers check and to send it to the address on my forclosure notice, I asked for specific instructions on how it was to be sent and they did not provide any instructions....I asked who it should be attention to? They said dont worry about any of that just send it to the address and then they hung up on me.....one of the hundred times that I called and was hung up on throughout the whole nightmare.

On february 22 I sent the payment. I contacted littons collection department and they said they had recieved it but it had not been processed yet on the 4th of march. On the 13 of march a woman from caldwell bankers came to our house and asked my wife for the keys because our house had been forclosed on and litton loans was the new owner of our house.

I couldnt belive it. I spent eight days trying to get in touch with someone at litton loans and finially when I was able to speak with someone....He told me that their was nothing I could do....they had accelerated the forclosure and my restructure payment had not been received on time. Then he attacked me about why had I waited so long to try to call and tried to insinuate that I was the one who was negligent.

Beth  of Chino Hills CA (04/12/07)

My loan was sold to Litton Loan Services. Escrow closed on 3/23/07. Both my husband & I signed all loan documents, & the funds were received with both our names on it. Now Litton is saying I am not on the loan, only my husband, & they are not authorized to speak to me. I found this out because they have called twice. My husband called them back, & they said our April 1st payment is late. All the paperwork we have received states that our 1st payment is not due until May 1st. After reading all the other complaints about this company, I am very concerned about what they will do to our credit etc.

Catherine of Cincinnati OH (04/09/07)
My loan was sold to Litton Loan Servicing. I paid my property taxes in January because I signed a paper with my original loan that the tax was not be be escrowed. I faxed them a copy of the check and followed up to make sure they received it. They are charging my account for the escrow of the tax and will not stop. No one will return my calls.

I have left messages pleading for help and get no response. They sent me a letter stating if I did not pay the extra tax amount - my payments will be reported as late.

My payments are being reported as late and I am constantly upset about this as I was rebuiling my credit.

John of Libertyville IL (03/04/07)

I had refinanced through Litton and sold the property about 1.5 years after. I was charged $10,000 in pre-payment penalties. They never told me of this at my closing. Also, I've tried to get copies of my closing statement showing the disbursement of the $10,000 on 5 different occasions, and they never send me the documents!

I can't claim the penalties on my income tax that would save me 20% of $2,000.

Debbie of Dennison, IL (02/21/07)
Our mortgage was sold to Litton Loan. Of course, we knew nothing about it being sold. What a nightmare dealing with Litton Loan.

They are always charging late fees because they hold onto our payment until after the due date. On our last statement it showed on a $783 payment, $700 was for interest and only $83 went on principal. What a rip off company!

Of course, we can't find anyone else to refinance us due to living in a manufactured home, not to mention our bad credit now. 

Annmarie of Mesa, AZ (01/25/07)
We refinanced our home Aug 2005. It has been a nightmare. Since day one we have been getting collection calls from this company saying we are late on our house payment. They have been misapplying or failing to credit payments received on a timely manner, charging us unwarranted fees, threatening and sending us certified foreclosure documents.

We recently sold our house, thinking we could move into a new build, but we are having trouble finding someone to finance us due to negative report from Litton to the credit bureau. 

Ivan of Winthrop MA (01/16/07)
South Star lending sold our loan in April of 06 litton has been scamming us since the recently put a false late charge which has dripped my credit score to the mid500 when I bought my score was mid 600 after 1 year of on time payments I should be in the mis 700 we can not re-fi we may lose our home we have 3 children in school they have put us in a horrible position and should be brought to justice!!

I work 2 jobs to make the payments we had to re-fi to afford to fix the property we now have to possible sell these companies MUST be stopped,it is not fair lower income people suffer .. PLEASE HELP ME>.. Because of the mental stress my family is falling apart,

I may be losing my home. My wife is filing for seperation, her diabetes is getting hard to control from the stress, my children can no longer play sports we had to go to the salvation army for christmas we can not afford food only the MTG.

Eddie of Jacksonville AL (01/16/07)
Litton bought my mortage from countrywide -- sent me a letter that was for foreclosure then sent me payment coupons. Called Litton for 3 days straight -no response.

Astra of Tarzana CA (12/12/06)
Unlawful Foreclosure. My home was sold to HSBC without me even knowing of a sale date. The only notice I received was informed an Unlawful Detainer notice that was mailed to me that indicated that my home was sold and HSBC was the lawful owner. Litton had been in the first position and HSBC was in the second position. I contacted HSBC's attorney and was informed that I was advised to pay rent or vacate. I went to court and the Commissioner would not hear my case, and he seemed to know the attorney that was representing HSBC, even though the attorney's firm was located in Northern California and my house and court was in Southern California.

My husband and I have had to live in hotels and finally we rented an apartment after 4 months of mental anguish. We made attempts to make payments however, the money wasn't enough to satisfy the delinquency. I have been so stressed out that I have had physical problems that I have never experienced before the incident. I have been unable to work efficiently due to the embarrassment and fraudulent nature of the Foreclosure. I didn't even mention the lack of Credit status now that I have been humiliated to no end.

Catherine of Pittsburgh, PA (12/11/06)
This is the second year that Litton is raising our mortgage due a supposed lack of escrow. I have found that they charged us for a city tax (and supposedly paid that tax to Pittsburgh) when we live in a suburb. Last year I had our tax collector talk with them and we thought it was all straightened out. 

We cannot afford to have our mortgage payments go up willy-nilly just because of incompetence, and I really do not have the time to be on hold for 20 minutes at a time to try and resolve this issue every year. 

Chad of Broussard, LA (11/13/06)
I'm living a nightmare since my loan was sold to Litton Loan service.  My home will be sold if i don't come up with $8,211.

I've been calling everyday trying to talk to someone and I never get a call back.  It's time that this company is dealt with. 

Steven of Sisseton SD (11/10/06)
Litton is one poor company to work with and would advise to avoid. They purchased a second morgage from another company i had a loan with and now am paying them with a high interest rate. I fell behind on a payment and now they are threating to to forclose on me. I talked to me and they stated if was to send them so much dollars it would be caught up. I did and now all of a sudden that maoney was not used for payment but for late charges that were accured in ther past, one I never knew I had. So now I,m supposedly behind again. Now I,m getting these threating letters and I can not get in touch with them. They do not answer there 800 number or I'm put on hold forever, or just get hung up on. They hold second morgage a bank holds first, can they forclose on me with out confronting the bank who holds first morgage. These guys are really a pain.

Zea of Wixom MI (11/06/06)
Litton Loan is the worst to deal with, they do not return calls, you are constantly hung up on, issues are ignored. Since my account has been with them payments have been put in Forebearance Suspense if they are more than the payment amount - even with detailed written instuctions of where funds should be appplied. Payments have been sent back or not receipted and late payment or Default Notices generated with threat of foreclosure for partial payment. Insurance forced on the account even though they have been provided with proof of coverage from outside source. Extra payments not accepted and increased ARM rate applied early.

The duress experienced is unexplainable when your home is at stake with a loan service that just doesn't care, and attempts to underhandedly defy FDIC regulations.

Kathryn of Rochester MN (10/06/06)
An application of restructure was submitted on line and Litton notified back in June of 2006 that I needed help. No reply or message was communicated. Several calls were made in July and August to which I was transferred six or seven times, hung up on, and when requesting a supervisor was told he was on vacation.

The name of the company holding the mortgage was requested from Litton and I was told that they did hold the mortgage and transferred me to that company which told me they had sold it. After contacting that company they could not find me in the system so I called Litton back and another lady told me that they, Litton, held the mortgage.

This has gone on for three months. They delay, don't respond, don't leave messages, don't offer alternatives as advertised on their web site and the customer reps are rude and have no knowledge of the information.

Robert of Zachary LA (10/02/06)
As with most of the complaints, we were affected by hurricanes Rita and Katrina. We entered into an agreement for a 2 month forebearance, and then they convienently forgot about it. This has led to nothing but misery, including a declining credit score, missed payments, and ultimately, foreclosure. As I scramble to find somebody to refinance me, I stumble across this site. Had I only known before...

Now, this will lead to me losing the house that I've been in for 9 years, and having to find a place for my myself, wife, 2 small kids, and disabled mother-in-law.

Catherine of Bellevue WA (10/02/06)
There are three main complaints that i have with Litton Loan.

1. They lie. I requested that they NOT auto deduct my payments as I am refiancing and will be paying the loan off today (the same day the payment was to come out of my account). They said that as long as i have the paperwork faxed to them by last Friday, there would be no issue. They still took the money out of my account.

2. customer service refused to assist me. The customer service representative would not credit the money back to my account. They refused to assist me in resolving this issue. They told me that there was nothing they could do, and IF there was money available after the payout, i MIGHT reveive it in MAYBE 30 days.

3. They steadfastly refused to allow me to speak with a representative.

Christina  of Wilmot NH (10/01/06)
I was running a month behind on my mortgage payment and made payment arrangements with Litton Loan Servicing to catch up. While I was only past due 30 days I received a notice of acceleration and foreclosure. I called back and reiterated the arrangements. Not only did they not take the payment out on the arranged day, I wasn't able to contact anyone in their office today who could help me and they have forced my account into being over 60 days late, although the cash was available for their withdrawal.

I had a similar experience with them a few months back, when they tried to take my mortgage payment out of my savings account instead of my checking account. They assured me that this would not be reflected on my credit report because it caused a payment to be late, but it did show up and now they say they can't do anything about it. I truly believe they try to steal peoples houses.

I will now have a mark on my credit of an account being over 60 days, because Litton did not take the payment from my account on the agreed day and have forced the account into delinquency of 60 days.

Edwin of Snoqualmie, WA (09/25/06)
We bought our home in May of 2006 and recieved an 80-20- loan. Our first payment was due on 7/1/06 to Washington Mutual Corp, which we paid in full 6/27/06.

Our loan was sold to Litton who failed to properly service our loan. They never mailed us statements and refused to give us our loan number over the phone or change our billing address so we could receive our statements. They proceeded to send us a default letter on the second mortgage and violate our rights under the Federal Credit Reporting Act by unfairly reporting us to the three credit bureaus claiming we were late on our payments for the 1st mortgage. We never knew that they had our 1st or second mortgage.

We found them to be rude and incompetent.

Darrin of Buffalo, NY (09/25/06)
I financed my home through Fleet bank 10 years ago. They sold it to Litton Loan. From that point on I have had nothing but problems. First of all, after taking over my loan they stated there was a miscalculation in escrow and they were increasing my payments to compensate.

They also didn't pay my homeowners insurance which was to be included with the mortgage payment. Because of this the insurance company canceled my policy and Litton put their own policy in place and increased my payment again! I re-instated the original policy twice and had the Insurance agent forward the policy data to Litton and in every case they didnt pay, the policy was canceled and the payment went up!

My payment was $320 and it went up to $540 monthly - all on a $37,000 home.  

Stefany of Kansas City KS (04/25/06)
There are many of us who are experiencing major problems with Litton. The complaints vary from fraud, mismanagement of funds, and accounts, innacurrate tax forms, lieing, emotional distress, and many other complaints. There have been civil suits against them.  This company preys on low-income, low credit individuals like us. And someone needs to check into their practices.

We, as many others, are currently in foreclosure, we have made arrangements twice only to be told there weren't any arrangements. It is causing stress, sleeplessness, emotional distress, my father, myself and my 2 children are going to be homeless due to their lies and rude customer service reps.

Ramona of Dubberly LA (03/31/06)
Litton Loan Servicing out of 4828 Central Dr Houston,Texas 77081 www.littonloan.com has scammed us since they ended up with our mortgage. They are very rude and dishonest.They lie and are very cruel people.They have added very high insurance rates to our mortgage and you never get to stay on the phone line with one represenative it is always let me put you through to someone else. Always a letter of threat of forecloser.

My now deceased mother and wife are on the mortgage. My mother battled over the phone with them two days before her death to lower our mortgage payments before her death and they agreed to $409.00 a month which they now deny. My wife called and she talked to 5 different people witch gave her 5 different stories.They were very,very rude.

Marilyn of Halethorpe MD (01/15/06)
Litton Loan Servicer, LP/US Bank NA, Trustee and Washington Mutual knew reason why my cousin, a homeowner in Baltimore City was not making his mortgage payments was because of his death and not refusal to pay his mortgage payment. Instead of appropriately notifying the probate court of his death, Washington Mutual sold his loan to Litton. Inappropriately, Litton filed a foreclosure action in circuit court circumventing the law by taking possession without a court order, illegal breaking and entering the home and took whole contents of household without the family’s permission.

More conduct that is reprehensible is attorneys for Litton were involved with bidder/purchaser that defaulted on their loan finance obligations and all argued over the deceased home for (6) six months. The defaulted purchasers may not even be U. S. Citizens that are involved in this real estate property flipping scam. I contacted Litton Loan Servicer and its attorney’ trying to recoup his home from foreclosure. However, Litton’s Attorney, Friedman Law firm, refused to speak to me and did nothing to return home back to family.

Susan of Clewiston FL (12/31/05)
Our loan was bought by Litton loan , it has been trouble from day one.This company holds loan payments 6 to 10 days to charge late fee's , then it takes 6 to 7 months to get the charges corrected and they still keep the over payment and put it to your loan? Once you get that taken care of they charge you for insurance that we already have, then the whole thing starts over -- letters telling us they are going to foreclose on your loan, they tell us now you pay the extra charges for them to file foreclosure. The loan gets bigger and bigger. This has gone on for two years, and we have asked for the pay off and as of yet no pay off.

Mon of Norwalk CA (10/04/05)
The mortgage impound account that I pay every month which includes property tax and insurance was not kept up by Lipton Loans. Because they did not keep up with the payments, my insurance got canceled. This occurred right before my house got robbed and consequently the insurance company would not cover the items that were stolen from my house because of Litton Loans lack to pay for the insurance. The loan company never called or returned my calls about this matter.

We lost approxiamately $10,000 worth of items due to the company's tardiness of payment.

Aaina of Hebron MD (09/26/04)
My husband and I purchased a home on 12/15/2003 thru First Horizon Home Loan. Our loan payment for January came out at settlement. I paid February loan payment on time. Then I paid March loan payment on time. After making the March payment, we received a letter from First Horizon saying our loan was to be transferred to Litton Loan on 2/17/2004. First Horizon issued a check to Litton containing our March 2004 payment. Ever since Litton says we never paid March. I have paid every month since on time to Litton. Our payments are in a freeze account.

I provided Tom Smith the front and back copies of the checks I used to pay February and March to First Horizon as he requested. In August I was told by a customer service rep that these items and additional items requested were received June 30, 2004 and that the company had 60 days to finish investigating. On September 22, 2004 I was told by Ricky Hubbard in collections dept. that these items were now lost and I needed to reissue them new copies. He also told me that my bill for October was sent our Sept. 15 and we still have not received it, so tomorrow I will make my October payment by phone. I have talked to a number of employees at Litton and no one can fix this problem. First Horizon told me on Sept. 23 that they will have someone contact Litton. I mailed a request letter Sept. 23 to Litton.

My husband's mortgage is a balloon rate loan, so we want to refinance in January for a fixed rate loan. My husband paid off all items on his credit when we purchased this home. We were told that all of our loan payments had to be on time for a year to refinance for the fixed rate. Since the loan transfer, Litton says we are a month behind every month and also imposes a late fee every month. We are afraid that this matter is going to prevent us from refinancing in January.

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