Constant phone calls up to 10 times or more daily. Even if you already talked to someone that day. Unwilling to drop false charges, such as: Property inspections (when no one ever comes to the said property). Waste of paper: Sends paperwork through regular mail and also sends the same thing certified mail. Sends 2 copies of everything 1 of each one on the loan. such a waste! Hires non speaking or broken speaking English. Sometimes the people aren’t even located in the United States. We need to keep the jobs in the United States and maybe we wouldn’t be in the shape that we are in. Give those call positions to people who live in the United States. Appointments made with a gentleman named Mr. Winters and yet have ever talked to this said person. When you call in you have to talk to whom ever answers and will not transfer you to a person whom you can understand and is willing to really help you out. Just a very rude company to work with and no options to help you get back on track when you have had a decrease in income.