Call your state atty general, the FTC and the BBB and file complaints.
Karen - HAMP Specialist
All that was done was simply the mailing of forms to my bank, which I could have done myself.
Your negotiator, Mrs. Jacqueline Zenon was extremely unprofessional and rude. She had no knowledge of modification laws. During the phone conversation with my bank, she hung up on Wells Fargo representative Mrs. Sheri Smith.
I am appalled by the blatant incompetence, negligence, and mistreatment that your firm has shown. I am demanding a complete and full refund of all costs for this companyâ€™s failure to provide me the services that it promised.
Should you refuse my demand, I will take this to court. I will submit claims against this firm to the State Attorneyâ€™s office, the Florida Bar Association, and the Better Business Bureau. I will also contact the local media and expose others to the wrongdoings of this firm throughout internet sites and social media.
They also collect up-front fees from consumers in which is illegal. Don't give these guys a dime. Call a reputable company if you need help. Don't make the mistake I did.
If you feel you have been Ripped-Off by Franklin Law Group of Miami please call your State regulator.
Tre required I immediately send them $1,950 by wire transfer that same day (essentially the last cash I had to my name) to start the process, which I did, as well as send all my financial statements for the past 6 months and all other tax return information required. All my documentation was in the mail the next morning.
Thereafter, I called on several occasions to track the progress of the application and no one returned my phone calls for two months. My case file was then transferred from the initial person (I believe her name was Erica) to Kelly Pinada. Kelly requested the same financial information to be sent to her all over again, because she said it was now stale, which I did that very same day.
Several more months went by, with many unreturned phone calls and emails to Kelly Pinada and Erica, who was now her supervisor. Then one day, I received in the mail an unsigned, unauthorized by me, Request of Loan Modification submitted by the Franklin Law Group to both the first and second mortgage holders, with financial statements attached, stating I had $6,000 per month in income. The banks naturally requested proof of income to proceed with the process. I told both banks I had no such income, and never represented to the Franklin Law Group any such fact. I told them I had never even seen these applications, no less signed off on them, and could not produce the required proof of income. Needless to say, both banks subsequently denied my loan modification request.
Thereafter, Kelly never returned my calls or emails, which were becoming increasingly agitated. The file was then referred to Eddie Gomez to try to resolve my complaints, which were mounting at this time. I never actually spoke to Eddie, although I left at least 20 messages for him. When I finally got Kelly on the phone again, she said the matter was out of her hands, since she put the file on Eddie's desk. I have called Eddie, as recently as yesterday, confirmed with a receptionist that he still worked there, left another message, which of course was not returned.
I am now defaulting on both my mortgages, and will probably ultimately go into foreclosure unless I can accomplish a short sale. I continued to pay these excessively high mortgages from May through October in hopes of keeping my credit rating intact until I could modify the loans. I borrowed money from friends and family. I no longer have any resources left, and have spent thousands of dollars unnecessarily on these mortgages, in addition to the $1,950 fee to the Franklin Law Group.
The Franklin Law Group is a fraudulent operation and should immediately refund the money I paid them to initiate a process they knew from the start would be unsuccessful.
Although, in my first conversation with Tre Radcliff, I made it perfectly clear I could not produce any form of proof of income, he still encouraged me to continue to make my mortgage payments while pursuing the loan modification applications. He requested I immediately wire transfer The Franklin Law Group $1,950 to get started. He was so optimistic about my chances of success, and I believed him.
Further, The Franklin Law Group should reimburse me the useless mortgage payments I made for the past 6 months, totaling $15,631.14 ($2,605.19 per month x 6). Had I known at the start that there was no hope to receive consideration for a mortgage modification without proof of income, I would have stopped making the mortgage payments in May, and immediately listed the house for a short sale. I am now in exactly the same position I was in May, but having thrown away $17,581.14. I will now have to default on my mortgages, ruin my credit in the process, and still have to list the house for a short sale, which could take many months.