I have complied in every way and been denied my loan modification. they mailed things to my home knowing full well that I didn't have mail going to my home. i have had a post office box since i had been with them. the service center that is stocked with illegals lost my package for 3 months, after threatening the owner with reporting him to the secret service they found it in 3 days. Parts of course now I find are missing out of the package, this is part of the denial by EMC. F'n Scam artists! rippoff read full review »