Complain about a product or service

Vanderbilt Mortgage

Selina of Kingsport, TN October 19, 2009

Vanderbilt mortgage company keeps calling me with harrassing calls for a mortgage account that belongs to my cousin. I do not have any affiliation with this loan, do not even live in the same state. I ask them how they got my cell phone number and they said maybe someone gave it to them. This is not possible. I have asked them to take me off the contact list and I still receive calls but it is just with different operators. I get a phone call about once a month!! Sometimes 2 to 3 times a day. This is ridiculous!! I really need some help on this matter!!

Marianna of North Olmsted, OH June 26, 2009

Approximately 10 years ago, our son Steve purchased a double wide permanent site "mobile" home. For the last several years if they are as much as two days late with their monthly payment not only have we been harrassed by their phone calls, but also our other two sons and now recently at least two of our neighbors. Steve and Kim's neighbors have received phone calls also.

I contacted them, and as of May 22, 2009 they removed our phone number from the case file. This still did not prevent them in again contacting another of our neighbors. I called again and was told there was no way to prevent them from continuing this practice. The supervisor "Diego" told me that each person contacted must in turn request that they not be called in the future. In my mind, this is pure harrassment!! We live in Ohio and our son and his family live in Michigan. Our neighbors don't even know Steve and his family!

Robin of Kodak, TN May 5, 2009

Many people call us for being 1 payment behind on our morgage. Ms. Amanda M has made suggestions to do a yard sale, go to a church for help, cancel our internet/land line/tv package and our cell phnoe and whatever that we have to sell to make our behind payment. We have tried to deferr our payment and they have denied it and we have also worked with a gentleman to pay extra for 4 months to catch up but someone said he wasn't in their department and couldn't do that.

We have tried to work with these people and they DO NOT WANT TO HELP US. They call 3 ot 6 times a day. We are to the point we don't want to answer the phone anymore. Maybe I should get rid of the phones so they can't call us, NOT. All this for just being one month behind and we have been one month behind before and have caught up. They don't give you chances or want to help. What kind of people are they if even they have options listed on their web site to avoid forclosures. This is phone harassment.

Kelly of Oxford, NC September 15, 2008

We purchased a mobile home in 2001, from Clayton Homes. The mortgage company is Vanderbilt. We financed the amount of 33.991.34. We agreed to do the biweekly payments. As of July 2008, the pay off was around 24,000.00. Something just don't add up. The interest rate was 10.99%. We have been paying for 7 years and have only paid about 10,000. I had an uncle that had taken this and was looking further into. They told him there was nothing that could be done. So he has advised me to turn it over to you all.

I feel as if we are owed some money back. We have since sold the mobile home, and had to pay 10,000 out of pocket to get it paid off. I would greatly appreciate anything that could be done.

Jennifer of Raleigh, NC June 24, 2008

In 2000 I purchased a repossessed trailer from Oakwood Mobile Homes, when it was delivered it was not in the condition I was told to expect. There were multiple issues with the condition of the trailer as well as the set up. I accepted and fixed those items even though Oakwood had breeched our contract. I was happy to have a place my daughter and I could call home! I was a 30 year old single mother; my hourly wage was 9.75. The Oakwood representative was fully aware of my situation and took advantage of my longing to have a home of my own. I was offered a 1st Time Buyer’s loan from Oakwood Homes for a repossessed mobile home at 52,000, and my grandfather allowed me to have it set up on his land.

Two months after the trailer was delivered I was laid off from my job. I had a 7 year old and no money coming in. A few months went by and I continued to get behind in my bills and I knew there was no way I could pay the mortgage on this trailer so I did what I thought was the right thing and called Oakwood. I explained to them that in my position I couldn’t afford to make the payments any longer and that they should come and pick up the trailer. I moved out immediately but Oakwood continued to rack up my charges (late fees & interest) and didn’t come and pick up the trailer until a year later.

After Oakwood picked up the trailer they in turn sold it for 8500, and then in 2004 they offered to let me get out from under this loan by paying 13,500, sounds good however they gave me 22 days to come up with it. I had no way to come up with that kind of money and especially in that amount of time.

Here in lies my first question… If the trailer was valued at 52,000 in 2000 why did they sell for 8500 in 2002/2003? I know that I got over my head when I purchased the home, but I also believe that Oakwood knowingly sold me the trailer at a price too high for a person with my salary and responsibilities.

In 2006 5.07 acres of family’s land was transferred to me from my grandfather. My family has worked this land for years and my daughter and I are the beneficiaries. When Oakwood found out about the land they decided to come after me with both barrels. Now they want in the neighborhood of 100,000.00 to settle this issue when they only wanted 13,500.00 a few years ago. This land is my daughters birth right and I think it is criminal of Oakwood to get so greedy that they have threatened to keep this going another 10 years to make sure they get my families land. I make 11.20/hr, I am currently pregnant with my 2nd child and this land is all we have.

I expect to pay a reasonable amount for the trailer; if 13,500.00 was enough to close this in 2004 I believe I shouldn’t have to pay much more than that. When so many Americans are losing their homes at an alarming rate and some of us are holding on with all that we have, it sickens me to see a company like Oakwood not want to play fair but crooked and what I believe to be unethical.

Rose of Bethel Springs, TN February 29, 2008

I have always made my payment on time and added a little extra. When I recieved my new payment book. I noticed that my monthly payment had gone up. I was not given any notice about the changes in my monthly payments until I call to ask why my bill my new bill. They said they made a mistake on my escrow account, and that RESPA started a new law (2008)that required them to get an extra two month custion to cover the insurance. Which puts me almost 600.00 behind on my payments. It might not seem like much but it a big mistake the company made and now I have to pay or loose what I have. (I pay my own property taxes.) The escrow is only insurance. I know that this happened to someone else because I have talk to others. and the same think happened to them. How common is this practice, We the customer has more to loose, mortgage companies well benefit from our loss.

Jean of Roseburg, OR January 9, 2006

Vanderbilt carried my mortgage and I authorized payments to be deducted from my checking account. My house was sold closing on 12/6/05, with their balance due paid by title company. The balance they quoted was effective through 12/28/05. They deducted a December payment from my checking account and although I have written them they have not refunded this payment of 547.98 and did not return my calls.

Rosa of Austell, GA November 12, 2005

I lost my job in Oct/04, thats when I contacted customer service at Vanderbilt Mortgage to let them know; not to debited any more money from my bank account. Which that cost me 30.00

so from Nov 04 to August 05 no payment book, no letters, no calls, but 4 to 8 calls a day(NOT)! from Vanderbilt Mortgage, but a answer machine saying 1 to answer 3 to ingore, Whats That! no name, no company, just 1 or 3...

In July 18th they, debited 498.32 from my account WITHOUT my permission took the money, when a payment was mailed on 7/5/05 for 498.32, they won't appy this to my Oct/05 payment! so they won't use it as a credit or put the money back into my account; just asking for another Oct/05 payment for the same amount.

Dave of Lapeer, MI February 25, 2005

My daughter had a mortgage with Vanderbilt. They sold the mobile home which was on Egland Air force base. The sale was a take over payment situation. Vanderbilt did not inform them that they also were co-signers on the mortgage for the new owner, who walked away after a few years. Vanderbilt now is coming after my daughter and son in law who are trying to get their current home repaired after being ruined by Hurricane Ivan in Navarre, Florida; if that isn't enough.

Denise of Carrollton, OH January 24, 2005

Vanderbilt had told me that Ohio charges 10.00 to pay-by-phone. I had been paying my mortgage from Chase Manhattan (Louisville, KY) by phone without a charge. Vanderbilt bought my loan from them and tell me that Ohio charges 10.00 for calling in and telling them my routing number and bank account number. Is this true that Ohio charges to pay by phone?

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