Our mortgage was held by Bank of America and transferred to Greentree. We received a letter from Bank of Amer. re this, but no bill for the March payment from Greentree. INSTEAD Bank of Amer sent their bill for March 1st, so of course we paid to them. Greentree began their calls--They refused to call Bank of America tostraighten this out. They said Bank of Amer had to transfer the March payment to them. When this did not happen in March, I had to spend 45 minutes at the Bank of Amer branch and they told me I had to send aq fax with copy of the March check payment to Bank of America, so Bank of America could transfer the payment to Greentree. Now I'm dealing with TWO lending companies that do not know how to conduct business or transfer a mortgage. Bank of America could not find my March payment and Greentree was calling me every day in regard to a late payment. Bank of America transferred the March payment to Greentree in April, finally after my fax, but sent the wrong amount (20 cents short), so then Greentree said they could not process the payment until I sent the 20 cents to them.

I would tell everyone never to do business with Greentree or Bank of America. Greentree should have sent a bill for the March payment and after not doing so, refused to contact Bank of Amer to resolve the situation. It is like dealing with incompetent idiots!! They are making tons of money off consumers, but I had to make all the phone calls, go to the bank, Fax, etc to facilitate this transfer. In past years we have had mortgages transferred between banks and never had a problem.

The bank did all the work in a timely manner. If this goes on our credit rating, we then have more work to straighten that out.

The mortgage has a grace period of 15 days before a payment is considered late and accrues late fees. Every month, I pay my mortgage on the 10th of the month via my personal bill payment schedule. Every month I receive at least 6- 8 calls per day from the 3rd of the month until the payment is cashed by Green Tree on the 12th or 13th of the month depending on the weekend. Every month I explain to rude, pushy collection agents explaining this scenario and that I've never incurred a late fee in the life of the loan. I've spoken with at least 20 representatives from this company including managers and none of them claim to have access to my account history proving this fact. They talk over you when you're speaking, they don't acknowledge any questions that I ask and they are poor communicators. I wish they would sell my mortgage, so I don't have to deal with them ever again.

This is a horrible company to be associated with and I would like to sue them for harassment via the phone. They don't acknowledge the grace period that is set up in the mortgage conditions and add stress to my day. When I'm using my handsfree device while driving, I absolutely detest speaking to anyone associated with their company. How do I get legal protection from harassing companies like Green Tree Servicing? Why should I receive up to 60 phone calls in a 10 day period EVERY MONTH when I've never missed a payment or incurred $1 of late fees?

This company (Green Tree Serv) has been calling our house repeatedly for the last three months, starting in July. They ask to speak to a person called Emilio Hernandez, usually via a pre-recorded message. When I finally got a live person, and said who we are, they were very rude and would not tell me their company name. I have told them repeatedly that they have a wrong number, to no avail. So finally, when those calls exceeded 3 per day, I bought a phone with caller ID. Before this purchase, I also did repeatedly ask them (Green Tree) to stop their calls and check their information. This did not work. I have never had any business with this company, nor do I intend to. Lately, 2 days ago, I got bombarded with "toll free calls", again with pre-recorded messages and the odd comment on the answering machine that Hernandez is supposed to return this call. I have also received messages on my answering machine from Conn's. They are also asking for Hernandez. It is very tiresome to answer the phone and hear that you are supposed to have this person in your house when you do not.

My husband and I have had a loan through Green Tree for a little over 6 years now. We have NEVER been behind. About 5 months ago, not sure when, we had gotten a month behind. I called and made payment arrangements with NO PROBLEM!! I was told that as long as I call them and tell them what is going on with us, that they will ALWAYS work with us...We have fallen into this economic land slide because my husband is in the construction industry. We have fallen 2 months behind and when I called to try to work a payment out with them, they refuse to talk to me unless I give them a check number and make payment arrangements. I have sent out one check for October just a little over 30 days late. I attempted to pay over he phone and it sent me through this loop and wouldn't let me and no one would pick up my call. So I just mailed it. All of the other checks I sent with the same batch to my credit cards have received theirs and cashed them. Then we are 9 days behind for November and they have already started foreclosure on our trailer, not the property, its not ours. They had a collector call me who called me pretty much a liar and said that I am 3 months behind, so they are preceding forward. Its not december 20th yet, so how do they get to do that? I think they are taking advantage of the economic crunch and they know that they ripped us off and this place isn't worth the money we financed, so they think they are going to jerk it out from under us and resale it and make some more money. The funny thing is that it cant be moved again, it fell apart when we moved it here...it took 15, 000 to get it fixed but we were told NEVER TO MOVE IT AGAIN! I would think they would be wanting to work with the people who usually pay their bills, not try discourage them into leaving it.

We bought our doublewide in July 1997, making this year 11 years we have had our home. It was financed through Green Tree at that time, payments were $448.80. In 1998, we refinanced at $68, 400, making the payment $679.97 through Southern Atlantic then sold to Conseco, then a few years later sold back to Green Tree. Now our payments are $705.60.

We have had our problems, same as everyone else. My husband became Diabetic and in the hospital for a while on and off since 2002. Just recently we have became 2 months behind on our home. Green Tree had called every day and I do not and ill not answer their calls, because I have been called a liar, they have literally called my husband a dog and I refuse to talk to them anymore. They have called our neighbors, people down the street that do not even know us, and our family members. They have even scared my 15 year old niece *at the time* one day when she was babysitting for me, they called and told her they were coming to this house to get it while she was in it. That was ridiculous. Who sounds childish?

My husband talked to them on the 30th of June and told them he would have the money on July 3rd, well, wasn't good enough. She took the bank info and told my husband she was taking it out on that day, June 30th and then july 24th. Needless to say it bounced on July 1st. The same day my husband talked to the company, they sent us a default letter dated the same day June 30th.

We received yet another letter from Green Tree of a 'Notice of receipt of partial payment' that was dated July 1st, *they didn't actually get that payment, it bounced* saying 'Thank you for your payment of $705.20, .40 cents less then they said they were taking out, which was received in our office on 06/30/2008. Please be advised that we have started to take the necessary steps required by law to gain possession of the creditor's collateral.( Does this mean they are already starting repossession?) We have already sent you a 'Notice of Default and right to Cure Default Notice' advising the amount of default. that notice is still in effect, and we will proceed as outlined in the Notice unless we receive $894.63 before the due date set forth in the Notice. This is simply to notify you of the terms acceptable to green tree to forbear from pursuing its rights to the collateral. YOU ARE UNDER NO PERSONAL OBLIGATION TO MAKE PAYMENT AND ANY AMOUNT YOU DO PAY GREEN TREE ARE AT YOUR DISCRETION.' But yet we have been paying on *their* home from Nov. 2005 to 2 months ago without any knowledge of the home being in the Bankruptcy. Not including the insurance we were paying to them for them, that we thought *WE* had.

Well, I just recently got my husbands credit report and it showed Green Tree 'Included in Bankruptcy', Secure Loan, closed account, with the same account number. $0.00 Balance. It wasn't listed once, but twice. I was in shock.

We did file Bankruptcy in August 2005 and wanted to keep the home. I called the US bankruptcy Court and found out that our home was filed bankruptcy on and that we DID NOT sign an re-affirmation. As soon as I heard this, it felt like a huge burden had been lifted. I quickly raced to the bank and took out all the money we did have. Green Tree has not mentioned anything about the bankruptcy on the home. I guess just a way to keep money rolling in.

We have gotten so tired of all the harassment they have given us over the past 11 years. We have decided to walk away from the home that will never be ours now. They are not worth it. And I don't think they will be getting what they want out of this place. Doors falling off hinges, bathroom floor is coming apart, light switches needs replacing. I guess thats what you get when you get a crappy home from a crappy company. I will miss the fact that the kids were raised in this home and we were secluded from the neighborhood, but thats about all I will miss. I would not recommend anyone to Green Tree.