E-Modifications ratings, reviews and complaints - Loan Modifications Advance Fee

Complaints and Resolutions

Complaint Experience

N/A

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Complainants allege verbal misrepresentation unfulfilled contracts inability to obtain refunds or contact the company. Most complainants allege the company fails to obtain loan modifications or otherwise provide foreclosure assistance services. Some clients report that their lenders had not been contacted by the company on their behalf despite what the company said. A few customers complain the company failed to refund monies after cancellation.~~The company generally responds to complaints by stating they provided the services as per their terms of the contract. The company also responds by stating they completed the loan modification and no refunds will be provided.

Our complaint services are free and our team of expert mediators will assist in resolving complaints with businesses.

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Complaint Closing Statistics

0 complaints against E-Modifications closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
0	Refuse to adjust, relying on terms of agreement
0	Unanswered

Other Information

Company Info

This company's business is providing advance fee loan modification and foreclosure services.

Primary Contact:	Sylvia Gonzales (President)
Business Started:	10/2/2006
Social:

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Licensing

California Department of Real Estate

Verified License

License Number: 01850944
Status: Revoked

Government Actions

BCA has no information regarding government actions at this time.

Comments and Analysis

Effective October, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All modification services must be fully completed before any money can be collected. It is also illegal to divide fees or services into components for the purpose of avoiding this law.

HUD approved housing counseling agencies are exempt from this law. For businesses outside of California, please check with the agency that regulates this industry.

Other Considerations

Mail sent to this company was returned by the post office as "moved; left no forward address," "forward order has expired," or "unable to locate." We cannot trace addresses of companies or principals. General information is available upon request which may assist you.

Industry Resources

Advertising Reviews

Additional Info

DBAs:

E Modifications

Excel Lending, Inc.

Emodifications

Websites:
There are no additional web sites.

Contacts:

Steve B. Streifel (President)

Tom N. Ghiran (Executive Vice President)

Reputation Report

E-Modifications

Complaints and Resolutions

Other Information