MARYVILLE, TENNESSEE -- Please read all reviews on this site and other sites and stay away from them. Our nightmare started in 2007 when we purchased a home from them. They are the most rude people I have ever come into contact with. Back in 2008 I lost my job twice due to a layoff and on the VMF website they do have a section that is called "Foreclosure prevention" so we asked for a deferment and a loan modification due to my financial situation which were denied yet we were asked to pay more each month to get caught up again.
I went from about $3000 per month to 1150 per month as income and the mortgage is $1190 per month. So go figure how I would be able to pay more? I do not want to go through a foreclosure yet these people do not help you out at all. Anyway I was able to get caught up and pay the monies that were owed. Now I did find work yet my income is less than half from what I was making and I had some major bills to pay.
So I asked them to just defer 1 month and of course the answer was NO and I had gotten rude remarks to the extent that my home should be more important than any medical or car issues. Yet if I don't have a car I can not get to work and won't be able to pay anything. I was told to go and find the money somehow to go borrow it.
Just very rude and unprofessional. I know a few people in my neighborhood that have not made payments for close to 1 year on their homes and I don not want to go that route at all but these animals at VMF are driving me crazy. They need to be stopped and they need to be willing to help people out
TENNESSEE -- My family and I were only 10 days late with a payment. First time ever late. We both got called twice a day every day for a week until we made payment then charged double late fee... They harassed us asking if we can borrow from friend or family, and get a payday loan even! They call from their house and can hear his wife yelling at kids that are screaming!
Really? Why don't you see if you people can borrow some respect and honor! A 125,000 loan and they trapped us as first time buyers, and we are paying 300,000 back. We are disabled and have a fixed income with two small children. They gave us hope and a dream that came true, but took it all away with the aggressive loan and harassment!
OKLAHOMA CITY, OKLAHOMA -- My husband and I are purchasing a foreclosed home under Vanderbilt Mortgage. Our loan IS NOT through them but they own the home. We signed an agreement and received a closing date. Fourteen days before we are scheduled to close, my husband and I turned in our 30 day notice to our landlords. We paid for April's full month of rent so we had time to fix a few boo boos the home encountered during our four year NEVER A DAY LATE on rent house. (Holes dug due to our dogs and painting the base boards we nicked with furniture and our toddlers toys).
Apparently Vanderbilt is too stupid to check their titles to the homes they purchase (God forbid they actually read things) and due to THEIR negligence we have to wait for the title to be fixed. We had a signed contract stating we will be moved in on a certain date but could possibly be 5 days earlier or 5 days later than the listed closing date which was okay with us.
However, now we are 8 days past and still no luck with the title being fixed. I thought things were hopeless UNTIL I faxed, emailed, and forwarded texts and the contract to a Real Estate Attorney. Let's just say whether we get that home or another it will be at THEIR expense.
I have never been a "sue happy" person but after being treated like crap this will be extremely gratifying. I also received permission from my attorney to forward all listed above info to our local news stations. Maybe now dealerships will think twice before using these jack wagons for loans!
My husband and I purchased a mobile home 4 years ago. Little did we know that this company was so unprofessional. I work for Bank of America short sales and I know how all the modifications and deed in lieu and foreclosure process works. These people are the rudest people you will ever come in contact with. You never hear them emphasize with you when you tell them the trouble you are having.
I called them today to see about a modifications. The representative told me that they did not send us a letter offering any type of assistance and told me I was lying. I then faxed the letter to her and then called her back. Her response was...she never got it! Imagine that! Well needless to say I have the letter and I am going to pursue this to the highest I can get.
They need a class action lawsuit brought against them and I'm just the one to get it started! ** from VMF hung up on me when I called back for the 3rd time. Said he didn't have time for games. Not sure of what games I was playing when I was trying to get help on my mortgage. My home where my children lay their heads at night. Maybe ** doesn't have kids just a dog that he keeps tied up out back. Who's with me?
THORNTON -- Do not take a loan out with Vanderbilt mortgage! I have a had loan with Oakwood, then Vanderbilt for 12 yrs. The balance of the loan is going nowhere after 12 yrs. I get paid on the 5th and I have told this to the rude customer service reps at Vanderbilt for years, yet they still keep calling numerous times also calling in under unknown numbers and sometimes not even leaving a message.
Their calls are harassing! I don't understand why we as manufactured homes owners are treated differently when trying to refinance our homes. We go to work, pay our bill, and put our pants on the same way as every other mortgage paying American but we can refinance. I'm so sick of hearing the president saying to refinance. Has he ever tried refinancing a manufactured home?
TENNESSEE -- I received a call from a representative named ** who didn't say "Please call Vanderbilt"; he said, "I EXPECT you to call Vanderbilt Mortgage." He called 10 minutes later and asked for me. He asked me why my payment was late. I told him I would send it out at the end of the week. He demanded to know why it wasn't in on the 1st. I said I had other things to take care of. He demanded to know what I had to pay before the mortgage and I said it was none of his business, and I told him that I had already called and left a note with someone else saying when it would be paid.
He started yelling at me and then he put someone else on, who said, "Your mortgage is due on the 1st, not after. We don't give grace periods," which is funny, because I've always paid between the 1st and the 10th without any problems from them. I told them that if I was past the 15th, there'd be a late charge. She said, "Just because we don't charge a late fee until then doesn't mean there's a grace period."
She started to threaten me with, "You'd better have it in by the 1st of the month from now on or else." She was so rude and loud that I had to hang up on her. I called back immediately and asked for her supervisor. I told the supervisor that no one has the right to talk to me the way ** and this woman did. I don't know if they thought I was going to meekly give in to that kind of abuse, but if they did, they were sadly mistaken.
MARYVILLE, TENNESSEE -- Vanderbilt Mortgage truly has the worst customer service possible. I agree with the other complaints listed. They call and harass you even if your payment is one day late; even though the statement says you have 10 days. I paid my loan on time for almost 10 years, but when I suffered a lay off during the recession my payment got behind. Every company I owed, even the company who had my auto loan, has been more than helpful and understanding. Vanderbilt representatives, ** are all poor excuses for customer service and management.
I totally understand that they have a job to do; however, they really seem to enjoy getting an attitude and voicing smart remarks. I can see now from reading all the other complaints that they do this with everyone. At one point in time, I really wondered if it was just me. They call and make threats, they lie about being able to assist you if possible, and they lie about what legal action they can take at what time in order to scare you. This has been the worst experience ever. Before my layoff, I had never gotten behind on bills so I didn't know what to do or how to handle it. Needless to say, Vanderbilt made it unbearable.
MIAMI, FLORIDA -- This is a WARNING to any and everyone that is considering starting any transacting business with Vanderbilt Mortgage. If you purchase a home with them and use American Bankers Insurance Company of Florida for your homeowner's insurance company... they will never, ever help you with damages to your home. I mean NOTHING is covered under their so called plans. They are such rip-offs!!!
I have been paying anywhere from $340-$450 every year for the insurance and I started in 1997. I have damage to my master bathroom, and my main bath, and I've never used the insurance and they denied me both claims. Also my water heater went out a couple of years ago... They wouldn't cover that either. They left me in a holy mess.
First of all to be living in a mobile home is for people like myself that don't make a lot of money. I feel like they try to act like they want to help you, and then pull you in don't tell you everything at the time of purchase which is why you should make sure you do all of your research before dealing with them altogether. I did read the information given to me by them but I am just going to be honest. I didn't understand how the insurance worked. Please be careful when dealing with these folks, they are heartless big time!!!
MARYVILLE,, TENNESSEE -- I just had to respond to your other reviews... This is the worst company we have ever had to deal with. They get their monthly note, but when you have trouble and call them for extensions or help of any kind you are told in many ways they can't help you. My husband was laid off in Jan. and we have kept up with the notes but when we had trouble and called for an extension we was told no. This company has called us when a note was due, 2 days after and would continue to call everyday 3 to 4 times a day. They have gone as far as finding our home and locating our neighbor and calling him and asking him to give us a message.
I have been yelled at by them, called a liar, told that they didn't care about our problems, just pay it or get out. After a major hurricane hit us (Katrina) and almost took our mobile home this company sat on our insurance money and gave us what they thought we needed as we needed to repair our home. Didn't matter that we was living in the yard in a tent. Not once did they ever ask if we needed help or was there anything they could do... Their only concern was their payment. They call and they call and they call... There has to be something that can be done to companies like this one. DO NOT USE THIS COMPANY. YOU WILL REGRET IT IF YOU DO.
TENNESSEE -- Vanderbilt mortgage is a big joke. The reps are so rude. They have not once offered to help us in the last 6 yrs. They don't care about anyone falling on hard times unless of course it is one of them. They have been a nightmare to us. Do you know that if you are late but pay before end of month, they tack on the next month before it is actually due? That is how they get you at the 90 day period. I consulted any attorney, this is illegal, I have taken pics of my online statement from VMC website. I am not playing with these people anymore! Fight fire with fire.