EVER SINCE 07/08 OPTION ONE /AMSHI, HAS CHARGED ME A LATE FEE EVERY MONTH. I CALL AND COMPLAIN AND IT TAKES ALMOST 1 TO 1.5 HOURS ON TH PHONE FOR THEM TO REMOVE LATE FEE. i APPLIED FOR A LOAN MOD. AND THE REP (DESIREE FORD, ) DIDN'T RETURN MY CALLS SO I CALLED HER SUPERVISOR, (ALMA R. )TO LET HER KNOW THAT I HAD LEFT 3 MSGS. WITH REP. AND NO ONE RETURNED MY CALLS TO LET ME KNOW WHAT WAS GOING ON WITH MY LOAN MOD.. THE REP. (DESIREE FORD, ) THEN RETURNED MY CALL AND WAS RUDE AND DENIED MY CLAIM FOR A LOAN MOD. TIS IS TERRIBLE SERVICE!!! NO ONE IS PROFFESSIONAL IN THIS COMPANY!!! read full review »