Infinity Group Services reviews and complaints

Same as above. Paid $995, plus $2, 000 up front for closing fees. We filled out all paper work, even had a meeting with them at their offices. Since then we were told we did not fit the molds of the programs because we were current on our loans, and they were still working on our profile. We were told that the closing fees would be refunded if they could not close are loan. It's been a year, no loan, no refund.

After paying $995 up front to avoid forclosure nothing happened for 4 months. I was told to NOT make my mortgage payment, as a result the bank set a sale date for my house. I was told all alone to "Not worry about it". If I wouldn't have taken matters into my own hands and went directly to the bank, my house would have been auctioned off. IGS did nothing but take my money!

I just want to know one thing! How did Jaime Ruiz get thrown into the mix that guy was a janator at IGS

I started with Mark Baltes back in Dec 09, then to Brian Mackey and Christina (Brian's Assistant) finally Kelly Jennings. They started with the Hope to Homeowner program, which I believe NO ONE QUALIFIES. That is their way of switching to their Loan Modification crap. It just so happens the cost of $995 to start and $2995 to close is the same cost for both. What they could not do in 6 months, I did in 2 months ON MY OWN.

The Law firm of Nicholas and Butler has filed a class action suit against IGS, If they have scammed you jump on board! They scammed me out of $995 Mark Baltes was the name I dealt with, I am sure it is not real. Stay away !

They are a Complete fraud. Just like everyone else they told us we would be locked in at 4.85% with zero points. Only pay $995 and get your house appraised and it is all done. Of course they told me that the rate changed and I can no longer get that rate. They have now been leading us on saying just wait until it goes down and we will lock it in. Tried to call Jay Lee and no phone calls back. Tried the operator and it just rings. They are ### of people. Who could walk around doing this to people. I too, missed the all time low rate of 4.85%

Another educated american... darthvadorpoop?

I agree, Kirk told me the same thing that I was locked in at a specific rate but Kahram told me that IGS does not lock rates and wanted to know which employee had told me that I was locked. I was deceived like many others.

let me share a quick abservation... the person who started the post has to be a ### for a couple reasons

1 they listed internet crime complain center? Obviously only a ### would take that route already knowing who did it.
2 only males are listed on the roll call?... maybe not kahram zamani for sure is a ### and chris santa"maria" is a ### name.
3 only a ### would take you to court (attorney general) and get you for everything cause you ###ed her over.

Kirk,
you knew what you were doing. you have lied to us and cheated us in my opinion. There is a lot of anger out there and it's not surprising that you are taking some well deserved heat. Giving us back our $995. does not put an end to this. because of your deceitful and perhaps illegal business practices, we missed out on historic low rates that will cost us tens of thousands of dollars each over the life of this loan. I can think of many things to call you, but I know you and people like you will reap what they sow. The Lord will deal with you if the criminal and civil justice system doesn't. I you were so interested in making an honest living and providing for your family, you wouldn't be working for the likes of Zamani. Hopefully he too will get what coming to him from the authorities.

if you think we are just going to forget about this, you're sadly mistaken. There are a lot of us that IGS screwed over and from what I've read, none of us are going to be satisfied until you guys are held accountable for what you've done.

Sorry Kirk,
Manny55 is right. If you are did not outright lie to me, you were certainly deceitful. You knew when we spoke 2 weeks after our loan docs were signed that IGS had no intention of funding our loan. You never locked our rate or put us into escrow did you? First and foremost, you are a liar and a cheat in my opinion.

At best, I hope you are put into another line of work. At worst, you may have some criminal charges to defend which I believe you guys are justly deserving of. If this puts a strain on y0u and your family, I would suggest you ask the Lord for forgiveness and help. What goes around comes around, Kirk, and justice will be delt to you and your ilk when the time comes.

It is a scam! Do not do it! I went thru a Hope to Homeowners company thru a radio station website that charged $995 up front. Then I would pay the remaining balance of their $3500 fee once the refinance/modification went thru. Their offer was very appealing: You new mortgage loan would be 90% of the CURRENT market value and the excess of your mortgage would be forgiven. The 10% below current market value would then be a shared equity with FHA.

If you sold your home during year 1, FHA would get 100% of that 10% equity amount.
If you sold your home during year 2, FHA would get 90% of that 10% equity amount.
If you sold your home during year 3, FHA would get 80% of that 10% equity amount.
If you sold your home during year 4, FHA would get 70% of that 10% equity amount.
If you sold your home during year 5, FHA would get 60% of that 10% equity amount.
After year 5, FHA would get 50% of that 10% equity amount.

Not a bad deal.

So I signed up. I filled out all the paperwork showing my hardship and they had you complete a hardship letter explaining why you needed assistance from this program to avoid foreclosure. I did all the work and all the calculations on their worksheet. Sent it in. My "case worker" went on vacation so they had another rep charge my credit card before my file had even been reviewed. The very next day after they charged my credit card, my "case worker" was back from vacation and I received a call from her stating that I did not qualify for the program because my debt was too high! Could not believe it! They did nothing on my case and charged $995 for nothing, then told me sorry, but you do not qualify for the hardship package because you are in too much of a hardship?!?!?!

Then they had the nerve to say, well we can try to negotiate with your bank to see if we can come to an agreement for a loan modification with them for the remainder of the $3500 fee, but again there is no guarantee. I asked them to stop everything and lose my file! They did not do anything at all on my case except charge my card before doing anything, then called me to tell me I did not qualify!

A few days later I found out this "Hope to Homeowners" program never really took off and in fact had not been in force for several months. So there was no chance of me being approved regardless of my financial situation when they took my application since the program did not exist at that time.

I have since been negotiating directly with my mortgage bank and have been able to come to a modification agreement with them directly. I am currently trying to resolve my second. It has been a long and stressful process, but the best way is to deal with your bank directly. They do not charge you a fee and you get the same results as if you went thru a broker from what I hear. If anyone asks you for money to modify your loan, I would definately take a large step back.

I will call Nicholas and Butler per the above recommendation. They need to be stopped!

Nyl-

I would strongly suggest you contact Nicholas and Butler in San Diego--[protected]. I have spoken with Mei-Ying there, and they are working a class action lawsuit which will hopefully include 1)the $995 if you haven't gotten it back 2)your appraisal fee (it's no good for a different lender) 3)any costs over the $995/$2995/$3995 you were to pay IGS for loan origination elsewhere 4)the life cost difference between the 30 year/15 year total cost for your new loan (I presume you'll still get one - rates are moving back down) and the one you were to get from IGS. They are also looking at false advertising, failure to perform in good faith, punitive damages, etc.

In the mean time, ask your credit card company to reverse the $995 charge based upon the fact IGS failed to deliver the 'goods' promised. Good Luck!

These people are rip off artists. I put up 995 to get the documentation that said I was to send in my 995 with the documentation. I knew then that this was a rip off. They told me my 995 was in escrow until the process went through. I declined to fill out the documents and all they ever said was we will refund you money. This never happened over 180 days. I am going to small claims court. I will also file with every agency I can. I should have been able to get the documents to fill out first, then make a decision if I wanted to. Based on what they told me they could do verses what a lawyer told me after seeing the documents was the difference between night and day. Actually I don't agree with this guy. They are far sleazier than he claims.

This website is not one sided... IGS has scammed too many people-- that's the problem. I have already started the process with the DRE... They recently sent me a letter notifying which agent/employee was assigned to investigate my claim and asking me for whatever other information I have regarding my experience with IGS. At least KFI-AM 640 has removed them from their advertising.

I agree 100%. Kirk Smith is a liar. I'm going to find out if he is licensed by the DRE as well and file a formal complaint about him. If he has a license, he should have it taken away so he can't continue to rip people off.

KIRK SMITH is part of the problem at IGS! He is one of their "LIARS" How can one employee tell you that you are locked into a rate, charge your credit card and then have the CEO Kahram Zamani tell you that you were never locked into a rate because we don't lock rates at IGS. You guys are worse than car salesman...all I know is when your lips are moving... lies lies lies. Misleading!

Infinity has not funded thousands of loans! They havent even funded 500 loans. This Company is not able to fund loans because they have a 12 million dollar line of credit. IGS is a company that got started ripping people off by marketing Hope For Homeowners on KFI radio. They took over [protected] people's 995.00 upfront payment. They never closed one H4H loan nor could they because they were never set up to fund H4H loans. IGS used a bait and switch and told people who signed up for H4H that they would not qualify for H4H and that they would only qualify for a loan modification. After they had over [protected] borrowers money they stoped advertising for the H4H and started to advertise 4.375 30year fixed with a 995.00 upfront closing cost. They would take on as many refi's as possable and never lock the rate wich the borrower was promised. Instead they floated the rate in hopes that the market would work in there favor and the rates would get lower so they could make more money on the Refi. Once the market took a turn for the worse they had lost the game of making extra money on each and every deal. They told there loan agents to resell each person who had signed there loan documents at low rates and not refund there 995.00 because it was not there fault rates went up. It was there fault because the never had the money to fund these loans and they never even locked the rate. This was once again a bait and switch tactic used by IGS to benifit them as a company. The loan agents at IGS are not to blame it's the owner Kahram Zamani so contact him at [protected]

Same story here...signed loan docs on May 30th (4.75%, 30 yr fixed, 0.25pts)...was informed yesterday with the same story as everyone else. Will not refund my $995 and the estimate of ~ $300! I am game for anything to get back at these ### but my gut feeling is they'll be filing bankruptcy or just closing shop and then just change their name to something else? HOW DO WE FIND OUT WHO THE ### OWNERS ARE!? My contact info is: ndominick@gmail.com

I had a similar experience. I signed loan docs on 5-15-09 only to recieve a call today on 6-18-09 informing me that they will not fund my loan based on the original terms. they say my choices are to reset the rate to today's market, or just wait a few months to see if rates drop again. the $995 was supposed to be refunded if the loan didn't close at no fault of my own. Now I'm being told that they may refund part or not at all.
these guys are crooks.

I've also been cheated on two loans. Actually signed docs in May and found out today that both loans were never funded. Am furious.

I have had the same bate and switch experience. Started at 4.8% then was told 5.5% and went through the process including approval in August, and now no loan and no response. I will report to the agencies suggested in this email.
my email address is risesmail@gmail.com

Back in May "09 I started with the Infinity Group, paid my fee and appraisal fee. Only to find out the appraisal was too low and the loan would involve points and insurance. We decided to cancell and not proceed with the loan. I continually call about my refund, leaving messages daily. I have not heard back from them and dicided to try the computer, only to find out there are alot of us out there. I'm not real good at this type of thing but I guess I should contact the Better Business Buereau and possibly KFI640 radio, which is where I heard the ad. Thanks for listening.

Unbelievable how people can get away with this. I have all my email correspondances saved which clearly show their scam techniques. They already know you will not qualify for the modification because there was no H2H modification loan available. But they wait for your payment of $995 to go thru before they break the news to you. I received my invoice from Kahram Zamani I believe because the "case worker" I had was on vacation. His email address is bgoshert@gmail.com.

When my "case worker" came back from vacation, she sent me an email stating she will forward my credit card information to their accounting department. I can only assume she wanted to make sure the payment went thru before she told me anything because the very next day, she sent me an email stating that I was not approved because my dept was too high. Here is a copy of the exact email I received from her:

> I have received file back from our underwriter and
> unfortunately you are not eligible for the H4H program
> sponsored by FHA because your DTI (debt-to-income ratio)
> exceeds the one required by FHA.
> I can move on and request your lender(s) to consider
> granting a loan modification, but I would like to know if
> that is what you would like or have your lender(s) contacted
> you regarding this possibility?
>
> If you have been contacted about a loan mod, please forward
> any correspondence on this matter.
>
> Thank you,
>
> Laura Schwarzkopf
> Sr. Loan Processor
> IGS
> 163 Technology Drive W., Suite #100
> Irvine, Ca 92618
> [protected]
> Fax [protected]
> Laura.Schwarzkopf@askigs.com

Crooks!

Mkuo
I am sorry to hear that you where another victom of Kahram Zamani owner of the worlds worst company in the USA. Can you believe after 1500+ people like yourself he has managed to spend 1.5 plus million dollars of other peoples money and have nothing to show for it. WOW!

I went thru a Hope to Homeowners company thru a radio station website that charged $995 up front. Hope to Homeowners transferred me to IGS. Their offer was that I would pay the $995 up front then I would pay the remaining balance of their $3500 fee once the refinance/modification went thru. Their offer was very appealing: You new mortgage loan would be 90% of the CURRENT market value and the excess of your mortgage would be forgiven. The 10% below current market value would then be a shared equity with FHA.

If you sold your home during year 1, FHA would get 100% of that 10% equity amount.
If you sold your home during year 2, FHA would get 90% of that 10% equity amount.
If you sold your home during year 3, FHA would get 80% of that 10% equity amount.
If you sold your home during year 4, FHA would get 70% of that 10% equity amount.
If you sold your home during year 5, FHA would get 60% of that 10% equity amount.
After year 5, FHA would get 50% of that 10% equity amount.

Not a bad deal.

So I signed up. I filled out all the paperwork showing my hardship and they had you complete a hardship letter explaining why you needed assistance from this program to avoid foreclosure. I did all the work and all the calculations on their worksheet. Sent it in. My "case worker" went on vacation so they had another rep charge my credit card before my file had even been reviewed. The very next day after they charged my credit card, my "case worker" was back from vacation and I received a call from her stating that I did not qualify for the program because my debt was too high! Could not believe it! They did nothing on my case and charged $995 for nothing, then told me sorry, but you do not qualify for the hardship package because you are in too much of a hardship?!?!?!

Then they had the nerve to say, well we can try to negotiate with your bank to see if we can come to an agreement for a loan modification with them for the remainder of the $3500 fee, but again there is no guarantee. I asked them to stop everything and lose my file! They did not do anything at all on my case except charge my card before doing anything, then called me to tell me I did not qualify!

A few days later I found out this "Hope to Homeowners" program never really took off and in fact had not been in force for several months. So there was no chance of me being approved regardless of my financial situation when they took my application since the program did not exist at that time.

I have since been negotiating directly with my mortgage bank and have been able to come to a modification agreement with them directly. I am currently trying to resolve my second.

I will call Nicholas and Butler per the above recommendation. They need to be stopped!

BTW, they are also looking toward false advertising, failure to perform in good faith, punitive damages (could be some real money?) etc.

For all those who haven't received any refund or offer of a refund-
Even though Matt Zurbach did finally state he would refund my $995, it didn't happen and I ended up dealing with it through my credit card company. I expect each company has a bit different rules, and I had thought that mine had only a 120 day window to dispute a charge. I was able to meet the the 120 day window, and found out it was for a VERBAL request to cancel the charge. They said they would STILL contest a charge for me AFTER 120 days, but I would have to submit it writing.
I would also strongly suggest everyone, even if you've received a refund, contact Nicholas and Butler in San Diego--[protected]. I have spoken with Mei-Ying there, and they are working a class action lawsuit which will hopefully include 1)the $995 if you haven't gotten it back 2)your appraisal fee (it's no good for a different lender) 3)any costs over the $995/$2995/$3995 you were to pay IGS for loan origination elsewhere 4)the life cost difference between the 30 year/15 year total cost for your new loan (I presume you'll still get one - rates are moving back down) and the one you were to get from IGS.
Good luck to all.

Back in February I contacted them because of a radio ad on KFI for the Hope for Homeowners program. They told me they could get started right away and all they needed was a credit card number for the $995 fee. I then received a pile of documents via pdf to fill out and I spent a week doing all the paperwork. I promptly sent off the paperwork and waited. I waited and waited. I knew that anything involving the government would be slow but after 3 months I contacted IGS and they told me they had no record of receiving any kind of paperwork from me and that the person originally handling my case was no longer with the company. Seeing as how I had already paid them the $995 I was coerced into resubmitting new documents which I promptly did. Almost two months have passed and have not even received a call from them. I contacted my mortgage holders and neither of them has had any kind of correspondence with them regarding my loan. Their web page, by the way, is gone. It says "down for maintenance." I called them today and all I could get were answering machines. Supposedly, someone named Matt Vurvach is supposed to contact me but he has not. At this point I just want my $995 back because from all accounts they have done NOTHING for me. They can't even find my paperwork. It has been a total of 5 months. JimH269567@aol.com

Did my due dilligence!When we started this process in February they had an A rating under all of their names. I researched them under hud, BBB, and the hope 4 homeowners program as well. They cancelled us today (Kelly to be exact) because my husband "yelled" at her assistant on Monday and then "yelled" at her today. Both accusations are not true. He was just trying to find out why they still needed more paperwork when two weeks ago everything was fine and "in review." Every two weeks we were told that our loan was in process/in review or they needed someother missing paper work. They didn't even send our file to our lender until June 13 and the process was started Feb. 28. They waited the 90 days so that my I couldn't dispute the $995 through my credit card company. I was standing next to my husband the whole time he did raise his voice but never did he yell. They cancelled US and she told me "you will never get your money back!"

Before you shame people scramick quit making assumptions, you have no idea when people started the process!

DUE DILLIGENCE KIDS. There should be no complaints here if you guys did your due diligence.
The Better Business Bureau link will tell you stay away. You all seem to find a website to complain but never once looked at the BBB website. They have had an F rating for some time now. Shame on you all.
http://www.la.bbb.org/BusinessReport.aspx?CompanyID=100064220

This company is a fraud... do not give them 995.00 up front. You will never see that money again. If you have, hopefully you put it on a credit card and hopefully the credit card company will go after them. The people at IGS are a joke! They lie, cheat, and scam. DONT TRUST THEM WITH YOUR MONEY OR TIME! CALL KFI AM 640 AND TELL THEM TO STOP ADVERTISING THEM!

I was told my home apraisal fee would be refunded to me as soon as the loan funded. My loan funded and I can not reach the company to get my fees refunded. Please advise. I understand there is a pending class action lawsuit. Thanks

I guess the same as everyone else. They took my money and ran! Bill Handle could now give us all some real good advise instead of endorsing jerks like these. Thanks Bill and kfi!

IGS offered a 30 year fixed at 4.875% and when it came time to sign papers, they said the rates went up and could not honor the rate. I asked for my $995 back and now they dont return calls.

I believe they have either changed there phone number or they are temporarily out of business ! lol finally

There are several of these employees of this company staring to go to work for a New Bank that is opening in Southern California. There were many reasons for the failure and deception in this company. all of the previous management should be held accountable for they knew what was going on and kept lying to the public. The management lied to all and had there employees lye to the public. They are trying to start up again in the call center. same people different scam. Very dangerous to the public. Mortgage banking of old. Please file complaints with HUD and the S.E.C. on the previous management of this company. They all lied and deceived the public and should not be in business and the company wanting to get them in business should be held accountable also for they know what has happened.

I have the same problem. Paid them $995 back in February '09 for loan modification but the case doesn't go anywhere. They have no power for negotiation at all. They just live on $995 from each client. I stopped the contract a few months ago and asked for a refund but never get an answer. Last time I called them their numbers are no longer in service. I don't know if they closed the company or they just changed the numbers because they can't deal with complaint calls.

I work for a very reputable mortgage company in Foothill Ranch. We also advertise on KFI, and we've heard from a lot of people who were scammed. Please don't put us all in the same boat. We deal with our clients with honesty and integrity. Borrowers need honest mortgage brokers, because we shop the different lenders and find the best deal for our clients. If we didn't you, the borrower, would be at the complete mercy of what the banks want to charge you.

I work for a legitimate mortgage company in Foothill Ranch, so I know that the interest rate is locked before you get loan docs. So if there were docs to sign, there was a locked rate. There's no excuse for changing the rate after the docs are drawn.

I got trapped twice. Since, I had my loan process started, I thought that I shall give them a chance to deliver at the current rate. It started with Kirk Smith; offer: 4 7/8% at 1.5points and the loan will be delivdered by the July end. It never happened. These guys have collected $995 from thousands of us and lived lavish life, running the scam. It seems that they are gone for good. There are no one picking the phone and no one returning the emails.
Hahun Huntington Beach