Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANCFIRST CORPORATION
State: OK

Complaint narrative:
We received a green and white trifold document in mail, had request for immediate action time sensitive written on front, with US code stating it was fine and jail time to interfere with delivery. Letter stated that we were eligible to participate in a government backed home flex modification program. Told to contact them at XXXX with our benefits id number and spoke to a woman named XXXX on XX/XX/XXXX who said they could work with us it was a government based program to help homeowners retain their homes and reduce interest rate and monthly payments. They requested our income statements, bank statements, social security numbers, home mortgage banking information. We sent email making sure they received all they needed on XX/XX/XXXX They arranged a meeting for us to have a phone call with our bank to discuss the payment plan and they called us and called our bank and when we asked if our mortgage agent we deal with was in they said no, but we spoke with someone that said they could assist us and we gave them all our information over the phone social security number, mortgage id number with bank, date of birth, etc to verify account, and authorized them to negotiate on our behalf to reduce the interest rate, reducing monthly payments. When I questioned them about legitimacy since bank warns about fraudulent companies etc they sent us email with link to XXXX  stating they were A+ rated. On XX/XX/XXXX we had to fill out a form by hand we initially used XXXX but they wouldnt accept it and requested we resend. They sent us a form called XXXX borrowers authorization form to fill out for them to fax to our bank to get the information they needed. They then said we were approved for a reduced interest rate of 7 % and payments would be reduced to like {$1800.00} something, we would not need to make payment until XXXX, and then they said we would need to make payment for attorney retainer fee of {$1500.00}. They sent us a payment form with listed methods they accepted payment. There was a XXXX XXXX and chase account numbers listed wire transfers and a QR code link. The addresses on their bank account information matches the address I had found via google. They had XXXX by XXXX people reviews and again emphasized XXXX A+ rating. When I would google them I would see their website, the XXXX  rating, and there was reviews on their website. I did question about the email not matching the website or company name since company name was Consumer Debt Law Firm and email address stated specialized housing counselors and website was shcounselors.org. I had read about it could be scam website if the s was not at the end of http in web address but their web address was XXXX : XXXX The XXXX was showing an attorney named XXXXXXXX XXXX XXXX as XXXX XXXX the business had been in business since XXXX, had a few alternative name of businesses, and link to website https : XXXX again showed secure and was talking about ethical conduct. The address was California I did notice it was a XXXX and saw that the address went to a XXXX mail center. I kinda questioned that but when I googled more about XXXX  XXXX I found he was registered with bar association out of California with active bar registration number XXXX, and address of another mail center which since not from California seemed like maybe legit with all the issues with mail delivery service etc. more digging into XXXX Ira XXXX showed living debt free website, the XXXX website, and a case text case where XXXX XXXX was plaintiff in lawsuit against a defendant named XXXX. So all in all seemed legitimate. 
The case manager XXXX was with specialized housing counselors and said they work with various attorneys. Her email was XXXX, her email signature was XXXX Case Manager XXXX XXXX ID XXXX Direct : XXXX Fax : XXXX XXXX With logo and Lengthy paragraph as below See how much we saved previous homeowners who worked with us by clicking XXXX XXXX XXXX THIS COMMUNICATION, TOGETHER WITH ANY ATTACHMENTS, IS INTENDED ONLY FOR THE ADDRESSEE. IT MAY CONTAIN INFORMATION THAT IS LEGALLY PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE. IF YOU ARE NOT THE INTENDED RECIPIENT, YOU ARE HEREBY NOTIFIED THAT ANY REVIEW, DISSEMINATION, DISTRIBUTION, DISCLOSURE, DUPLICATION, USE, OR ANY ACTION OR RELIANCE ON THIS COMMUNICATION IS STRICTLY PROHIBITED. IF YOU HAVE RECEIVED THIS COMMUNICATION IN ERROR, PLEASE NOTIFY THE SENDER IMMEDIATELY BY RETURN EMAIL AND DESTROY ALL COPIES OF THE COMMUNICATION, ALONG WITH ANY ATTACHMENTS. THE CONTENTS OR ATTACHMENTS OF THIS ELECTRONIC MAIL DO NOT, AND SHALL NOT BE CONSTRUED TO CONSTITUTE LEGAL, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. THANK YOU. 

We did an electronic check thru our bank account received a receipt from them with the logo of consumer debt law firm on XX/XX/XXXX. Something just kept nagging and we called our mortgage company and spoke to our agent was told that there are services out there but they couldnt tell us if this particular company was legit or not. We called back spoke to our agent who said that were not legit if they were asking for payment and to file complaint. Our mortgage has now entered foreclosure and a demand letter has been issued, that we have yet to receive. We are completely devastated by all of this. This has been our home for over 10 years and only place my XXXX XXXX XXXX daughter knows as home.

Company response to consumer: Closed with explanation