Home Warranty Letter Reports & Reviews – Page 3 (44)
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SCAMPULSE
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SCAMPULSE
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1. That the homeowner's former home warranty "may have" expired.
2. That the home warranty is a requirement of the homeowner's reverse mortgage, and
3. That the homeowner's mortgage may be adversely affected by failing to obtain a home warranty.
Inside of mailer included what looks like a check in the amount of $199.00 labeled as "Allocated Waiver" and "Record ID: CH70975611", made out to myself and my spouse, with our full address listed.
Letter states "IMMEDIATE RESPONSE TO THIS NOTICE REQUESTED... FINAL NOTICE... Lender Info: LOCAL MORTGAGE INC... Notice Date: 10/6/2023... Contact Phone: 1-800-260-6828... Record ID: CH70975611... ATTENTION: [names printed here] This letter is to inform you about an important matter regarding the property at [address printed here] secured by LOCAL MORTGAGE INC. We reserve the right to revoke allocated waiver after 7 days of receiving this notice... Please Call IMMEDIATELY as this will be our FINAL ATTEMPT TO NOTIFY YOU 1-800-260-6828."
Called the 800 number listed same day as receipt of notice (10/11/2023), spoke with a "Russell", who explained this was concerning an existing home warranty and stated he would be asking for information specific to our property to "continue" our "home warranty". I explained this was concerning as I do not recall who "LOCAL MORTGAGE INC" was (it later occurred to me this was probably the originating mortgage company back in 2016 when we first bought the property... mortgage was since sold to another servicing company, then we refinanced, then mortgage was sold to another servicing company, then we completely paid off the mortgage in March 2023).
I asked how long the existing "policy" was in effect, to which he said he didn't know. I asked for details on said "policy", and again he did not have this information. I expressed my concern that this sounded like possible fraud... he still could not help me, I asked to speak with a manager. "Russell" verified my phone number (they either had the info already on file or were looking at Caller ID) and said someone would call me back, to which I said I'd remain on hold, thank you... after waiting about 5 minutes, a "Laithe Owens" picked up on the other end, becoming very apologetic and frankly a bit defensive when I stated my concerns, asking what other specific information they had about our family, property, etc. "Laithe" stated they only have publicly available information on file, to which I asked, "I thought you said there was an existing policy for our address?"
Ultimately the call went nowhere and I stated for the record that I feel this is a deceptive practice, also stating their company name was nowhere to be found on this letter (he told me they were with Home Shield), also no website or email details, no originating address, etc.
I found this to be very disturbing and unsettling and would like to know what recourse we may have with respect to what I consider to be a privacy event (possible stolen personal data), also would like to know if this company has been cited previously and whether any class action lawsuits, etc. have been filed.
Thank you for your time.