Evergreen Note Servicing

As the borrower the thing I didn't realize was this company does not report to credit bureaus and will charge you for the documentation to self report. The credit bureaus don't have to accept that self reporting so I am looking at paying $$$ and it may be a waste.
My credit reports and scores are missing the advantage of having a mortgage on my reports. This means doing business with Evergreen is a disadvantage to me. Their flat refusal to do this basic function that their competitors do is a reason that I will never do business with them again and you shouldn't either.
After reading reviews here and elsewhere it looks like their whole customer service model is based on how to charge more fees. It looks like it is a large part of their revenue stream to charge for every document and customer interaction.
They also offer to buy my loan from my family member who loaned the money for my mortgage at a huge loss. This a retired person's last income beyond Social Security and you are going to manipulate and frighten an 83 year old into losing tens of thousands of dollars! So disgusting!

Evergreen is bad! Always late...never on time. I will not use them again!

Slow unresponsive company. If you are an impatient person do not use their escrow service. If you make a payment with a little extra principal you have to give them a transaction number separate email and hope they get it. Why don't they have a space on payment form for that gees 2021?. . Talked to a county agent they didn't like them either. Stay away!

Since 2003 I've had used "Auto Pay," with Noteworld and then Meracord and have had no challenges with them. But, recently, with Evergreen, who has taken over Meracord's accounts, I am being charged an "Accrued Late Charge" of $20, through my "Auto Pay" because the day the agreed pull date of my auto payment, of the 9th day of every month, happened to have been on a Saturday, in November. Following this particular Saturday, came a holiday on Monday, which since it was a holiday, Evergreen claimed they couldn't draw my payment, (auto pay) then either. So, I am being punished because, even though all banks, including mine is open on Saturdays, when Evergreen can draw my payment, they chose not to and then because the following Monday is a holiday and they can't draw it then, either, they chose to charge me a late fee. On top of this, when I contacted them, through email, asking for an explanation, this is when I learned of the reason why the late fee is being billed to my account. When I responded, saying how can a late fee be charged when payments are automatically taken by Evergreen, through their auto pay system, I get a copy of an agreement, I supposedly signed, (electronically?), which I have never seen or signed! It was done by someone in customer service at Evergreen! The only thing I did, back in 2018 was call Evergreen and talked to a customer service rep, telling them I changed my bank account to a new bank and gave them the new account number from where my auto payment would be taken. Not one word was mentioned how Evergreen would charge me a late fee, if my agreed auto paid date would fall on a Saturday with a holiday following on a Monday.
In all the 16 years, until now, I am certain there has been auto payments, of mine, that fell on a Saturday with a holiday following the next Monday and I have never been charged a supposed late fee because of this. But, now, with Evergreen taking over Noteworld and Meracord, they can arbitrarily decide to do this and once more, not tell the clients plus make up documents which supposedly the client had received, signed and sent back! I believe there is a scam being done to people who are making payments through Evergreen and I for one will not tolerate it. Especially since for the last 16 years, all my payments were taken on the original, agreed date and never once was it ever mentioned about the auto payment date falling on a weekend with a holiday weekday that immediately followed. I have never been told this, never signed any agreement to this and will not be forced to pay the late fee when my payments were set up for auto so I wouldn't have to worry about forgetting to make my payments, on time and for the convenience of Evergreen! Not only this, Evergreen is now refusing to correct this supposed "Late fee" stating I have to get the permission from the party whom is financing me, when I purchased my home. It is impossible to contact that party, for I have tried, in the past with no response at all. Evergreen has made this "Late Fee" charge and they can reverse it, since it isn't my fault the auto payment date falls on a Saturday and a holiday follows. None of my other creditors' "Auto Payment" systems charges "late fees" because the auto pay date happens to fall on a weekend, including one that has a holiday immediately after. They simply take the auto payment out the next business day or the day prior to the weekend/holiday. Evergreen is the only creditor/service company that has done this and I am going to report this injustice to myself and possibly to other Evergreen clients! I am thoroughly disgusted with this firm, especially since my payments have always been on the "auto pay" system for 16 years, to avoid late fees! If Evergreen decided to make it their policy to do this, "Late Fee," then Evergreen should contact their clients, if an auto payment can't be withdrawn, by Evergreen, on a weekend when there is a holiday following. So the client can then be aware of Evergreen's challenge and make arrangements to pay on an earlier day, so a late fee isn't accrued. It would be a simple courtesy of Evergreen, instead of just charging a late fee automatically to the client. But, I guess Evergreen is out to make money and doesn't care about the clients they have, especially when the client ends up paying for the servicing of the account!

We are pleased that Evergreen Escrow is now in a position to fully respond to this complaint regarding its refusal to release the $2,it has been holding in its Account No [redacted] [redacted] is the payee on this account At the time [redacted] , Mr [redacted] 's daughter, informed Evergreen that her father had passed away, Evergreen sent her an estate package explaining what was needed to transfer his beneficial interest to his heirs and advised her that it would have to hold the incoming payments until it received that paperworkIn spite of repeated requests, the parties have never delivered any estate paperwork to EvergreenEvergreen is holding $2,in reserves Once we received enough information to determine the name of the account payee, research revealed that Evergreen had provided a payoff demand statement to Lewis County Title on September 1, We contacted the title company to see if by chance they had any records concerning Mr [redacted] ’s successors in interest The title company records showed that they had received enough documentation from the parties to satisfy themselves that [redacted] was his rightful heir, recorded a Full Reconveyance of the subject Deed of Trust and released $43,in payoff funds to [redacted] Based on the information received from the title company Evergreen will be sending a $2,check to Ms [redacted] As an accommodation to the parties Evergreen will also close this account waiving all fees that have accumulated Evergreen strives to provide excellent service to its customers and hopes the foregoing explanation fully satisfies the demands of the complaint

To Whom It May Concern: Evergreen Note Servicing appreciates the opportunity to address the issues raised by Ms [redacted] in her complaintAs mentioned in the complaint, this account was originally set up for servicing on December 5, with NoteWorldNoteWorld changed its name to Meracord in January, Evergreen Note Servicing acquired Meracord's servicing rights effective November 25, Any actions taken and/or records created prior to that time were carried out by the prior servicer [redacted] and her sister [redacted] ***, as buyers, entered into an Installment Purchase Land Contract dated December 5, with Sierra Palms Properties, LLC as sellerThe seller's LLC is managed by Best Own HomesAfter application of the $1,down payment the principal balance due under the contract was $48,077.89, plus interest at 10.5% per annum, with monthly payments of $due on the first of each month commencing January 1, The contract calls for a late charge of 10% of the installment ($48.00) if the payment is not received within calendar days of its due dateInitially, NoteWorld was impounding funds for taxes and/or insuranceThe impound account was closed in January and funds are being sent to the seller, who pays them directlyCurrently, the monthly payment obligation is calculated as follows: Installment Amount $480.00Monthly insurance premium passed through to seller 132.34Payer servicing fees 8.99TOTAL $ The records show that the servicer charged a $records change fee to take [redacted] off of the account on 7/30/(see attached payment history) to make that change, not a $fee as the complaint allegesWe have attached a complete payment history showing when payments were received and how they have been appliedNotes have been added to help explain the transactionsWhen the payment posted 5/8/was received the prior servicer noted that the payer was consistently making payments that are a few dollars shortThe seller instructed the servicer to only process the payment once the full amount was received, so any short payments were entered as partial payments that would be applied as a full payment once the amount received made a complete paymentMs [redacted] made the payment due on 2/1/on 5/31/and the next payment we received was on 7/25/We have accumulated $as a partial payment balance which can be applied to the April payment as soon as we receive an additional $So she is currently due for April, May, June and JulyEvergreen strives to provide excellent service to its customersWe regret the difficulties Ms [redacted] has encountered in looking at our recordsEach monthly statement we send out contains information about the status of the accountOur year end statements provide a detailed accounting of that year's payments and their applicationEvery customer can determine the current status of his or her account by logging onto our website at www.notecollection.comAfter reviewing this letter and its attachment, if she still has questions Ms [redacted] is invited to call us at 800-473-for a detailed verbal explanation of the status of her loan payments

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meSincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted] ***

Thank you for the opportunity to respond to Mr***’s complaint concerning Evergreen account number [redacted] Mr***’s complaint involves fees charged at the time his loan was paid off Evergreen has completed an audit of the account to address Mr***’s concerns and has provided details in response to each of his concerns following: Mr [redacted] states that he was charged a late payment fee after his loan had been fully paid off The late payment fees collected from Mr [redacted] and passed on to his lienholder were assessed in accordance with his Note which requires a $late charge if the payment is received more than ten (10) days after the due date The Note required payments on the 17th day of each month, meaning payments received after the 27th of each month would incur a late payment fee Mr [redacted] provided funds for the payoff of his loan on January 3, However, interest was not current on the date of payoff and was paid to 11/17/ The late payment fees assessed at payoff were for the months of November and December as interest for each month was not paid until January 3, Mr [redacted] also states that Evergreen charged vague fees like reconveyance fees, buyer fee, payoff quote fee and fee adjustment Evergreen regrets that these fees were not clearly defined for Mr [redacted] and wishes to provide clarification for each feeA Reconveyance Fee was not charged to Mr [redacted] but a Close Out Fee was assessed The Close Out Fee is the fee Evergreen charges for closing its servicing account and processing the release of original loan documentsThe Buyer Fee is the servicing fee Evergreen charges monthly for the 3rd party processing of payments In Mr***’s case, months’ worth of Buyer Fees were assessed at the time of payoff as the payoff made in January paid fees due from November, December and January (as discussed in the previous paragraph)The Payoff Quote fee is the fee Evergreen charges to calculate a Payoff Quote in accordance with Mr***’s requestThe Fee Adjustment was actually a fee credit to Mr [redacted] for the January Buyer Fee previously discussed Since Mr [redacted] paid off his account on January 3rd, Evergreen credited him the monthly Buyer Fee for the month of January since it only serviced his account for business days All of Evergreen’s fees were assessed in accordance with its fee schedule and Servicing Terms & ConditionsMr [redacted] also expressed concern over the fact that he, as the buyer, was responsible for fees at all and suggested that the issuer of the Note should pay all fees rather than the buyer The agreement as to whom will pay servicing fees is negotiated between the issuer of the note (Evergreen’s Payee) and the buyer (Evergreen’s Payer) without Evergreen’s participation Evergreen can only confirm that the arrangement for the buyer to pay fees was agreed to by the parties outside of Evergreen and established at the time the Note was set up with the previous servicer The agreement for the buyer to pay fees remained in effect when the Note was transferred to Evergreen for servicingFinally, Mr [redacted] shared his frustration with unreasonable call wait times and disconnections suggesting that Evergreen simply does not want to talk to its customers Unfortunately, Evergreen’s call wait times became exaggerated beginning in the month of January due to a combination of increased call volume for questions about year-end interest statements, and calls regarding a servicing system conversion, which occurred on January 1, The system conversion affected a large percentage of Evergreen’s customers who called the Customer Service Center for information despite Evergreen’s proactive efforts to answer questions about the conversion through written correspondence beginning in November For this inconvenience, Evergreen sincerely apologizes to Mr [redacted] and assures him that it is our is pleasure to assist each and every one of our customers Evergreen did not expect the influx in call traffic in January and February and is currently working to address all customer questions and reduce call hold times We hope that this explanation fully answers Mr***’s questions Should he require additional information, he may contact Evergreen’s General Manager, Jake W***, by telephone at (866) 358-or by email at ***@notecollection.comRespectfully, Dori M [redacted] Director of Compliance

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]

the name of seller on response was [redacted] the home was in Cinebar wa

Thank you for the opportunity to respond to Mr*** complaint concerning Evergreen account number ***. Mr*** complaint involves servicing fees charged to him for the month of January 2018, and the level of service he received in return when attempting to obtain his
year-end interest statement. Mr*** attempted to contact Evergreen’s Customer Service Center in the month of January and experienced excessive wait times for which he was unable to hold and obtain the information he required. Beginning in January, Evergreen’s call wait times became exaggerated due to a combination of increased call volume for questions about year-end interest statements, and calls regarding a servicing system conversion, which occurred on January 1, 2018. The system conversion affected a large percentage of Evergreen’s customers who called the Customer Service Center for information despite Evergreen’s proactive efforts to answer questions about the conversion through written correspondence beginning in November 2017. Evergreen did not expect the influx in call traffic and is currently working to address all customer questions and reduce call hold times. Evergreen has been in contact with Mr*** regarding his complaint and has confirmed that the year-end interest statement he required was delivered to his established mailing address via USPS mail on January 30, 2018. The year-end interest statement is also available to Mr*** through Evergreen’s online portal. In an effort to respond to Mr*** frustration with the call hold time he experienced and compensate him for his time, Evergreen has refunded the $charged to Mr*** for monthly servicing in January and the annual analysis statement. We hope our actions and this response fully resolve Mr*** concerns. Should Mr*** require any additional information, he may contact Evergreen’s General Manager, Jake Wild, by telephone at (866) 358-or by email at [email protected], Dori M*** Director of Compliance

Thank you for the opportunity to respond to Mr*** complaint and your patience in awaiting this response since the complaint was originally sent to a person no longer employed by our company and we did not actually receive it until 1/12/2016.
Mr*** complaint involves our
Account number and our request that he pay a fee to us for issuing a payoff demand statement. Since filing his complaint with you on 12/23/2015, we agreed to waive fees for him and issued a payoff statement for only the amount required to pay off the principal balance of $20,plus interest.
On 1/6/Mr*** remitted $20,194.00, which paid all but $of the principal and interest due from 12/15/through 1/6/in the amount of $Since the balance was not paid in full, the account has continued to accrue interest at $per day for a current outstanding balance of $with interest calculated through 1/15/2016. We will be sending Mr*** a low balance statement to inform him of the $outstanding and as soon as he has paid the $balance we will close out the account
We hope our actions and this this response have fully resolved his concerns. Should you or he need additional information, please contact me by telephone at 253.848.5678, Ext*** or by email to ***@notecollection.com
Respectfully,
Dori M***
Director of Operations

Thank you for the opportunity to respond to Mr*** complaint concerning Evergreen account number ***. Mr*** complaint involves the level of service he received recently when attempting to contact Evergreen’s Customer Service Center regarding his account, and concerns
for the accuracy of his account related to past payments to his Homeowner’s Association for dues. Upon receipt of Mr*** complaint, Evergreen reviewed a recording of the call on which the level of service provided to Mr*** was less than exceptional. The employee with whom Mr*** spoke received customer service coaching to ensure her future interactions with customers demonstrate Evergreen’s commitment to excellent service. Further, Evergreen initiated a full audit of MrWilliam’s account to address his concerns and proactively identify any issues or items that may impact his account closing scheduled for July. Evergreen’s General Manager, Jake W***, has been in contact with Mr*** regarding his complaint to apologize for his dissatisfactory experience and to confirm Evergreen’s audit undertaking. Evergreen will remain in contact with Mr*** until the audit has been completed and Mr*** is assured of the accurate status of his account. We hope our actions and this response fully resolve Mr*** concerns. Should Mr*** require any additional information, he may contact Evergreen’s General Manager, Jake W***, by telephone at (866) 358-or by email at [email protected], Dori M***Director of Compliance

I am unable to find an account listing *** *** as our buyer. I would appreciate the name of the account seller or an account number. Upon receipt of this additional information we will immediately respond to Mr***'s concerns.
Respectfully, Gloria
G***, Compliance Manager 5678, Ext ***

We cannot locate the specific account Ms. [redacted] is talking about without an account number or at least the legal name of her uncle.  We will respond as soon as we have enough information to identify the account.   Thank you for your assistance!    Gloria G[redacted] 253.848.5678 X...

[redacted]

Thank you for the opportunity to respond to Mr. [redacted]’s complaint concerning Evergreen account number [redacted].  Mr. [redacted]’s complaint involves fees charged at the time his loan was paid off.  Evergreen has completed an audit of the account to address Mr. [redacted]’s concerns and has...

provided details in response to each of his concerns following: Mr. [redacted] states that he was charged a late payment fee after his loan had been fully paid off.  The late payment fees collected from Mr. [redacted] and passed on to his lienholder were assessed in accordance with his Note which requires a $50.00 late charge if the payment is received more than ten (10) days after the due date.  The Note required payments on the 17th day of each month, meaning payments received after the 27th of each month would incur a late payment fee.  Mr. [redacted] provided funds for the payoff of his loan on January 3, 2018.  However, interest was not current on the date of payoff and was paid to 11/17/2017.  The late payment fees assessed at payoff were for the months of November and December as interest for each month was not paid until January 3, 2018. Mr. [redacted] also states that Evergreen charged vague fees like reconveyance fees, buyer fee, payoff quote fee and fee adjustment.  Evergreen regrets that these fees were not clearly defined for Mr. [redacted] and wishes to provide clarification for each fee.1. A Reconveyance Fee was not charged to Mr. [redacted] but a Close Out Fee was assessed.  The Close Out Fee is the fee Evergreen charges for closing its servicing account and processing the release of original loan documents.2. The Buyer Fee is the servicing fee Evergreen charges monthly for the 3rd party processing of payments.  In Mr. [redacted]’s case, 3 months’ worth of Buyer Fees were assessed at the time of payoff as the payoff made in January paid fees due from November, December and January (as discussed in the previous paragraph).3. The Payoff Quote fee is the fee Evergreen charges to calculate a Payoff Quote in accordance with Mr. [redacted]’s request.4. The Fee Adjustment was actually a fee credit to Mr. [redacted] for the January Buyer Fee previously discussed.  Since Mr. [redacted] paid off his account on January 3rd, Evergreen credited him the monthly Buyer Fee for the month of January since it only serviced his account for 2 business days.  All of Evergreen’s fees were assessed in accordance with its fee schedule and Servicing Terms & Conditions. Mr. [redacted] also expressed concern over the fact that he, as the buyer, was responsible for fees at all and suggested that the issuer of the Note should pay all fees rather than the buyer.  The agreement as to whom will pay servicing fees is negotiated between the issuer of the note (Evergreen’s Payee) and the buyer (Evergreen’s Payer) without Evergreen’s participation.  Evergreen can only confirm that the arrangement for the buyer to pay fees was agreed to by the parties outside of Evergreen and established at the time the Note was set up with the previous servicer.  The agreement for the buyer to pay fees remained in effect when the Note was transferred to Evergreen for servicing. Finally, Mr. [redacted] shared his frustration with unreasonable call wait times and disconnections suggesting that Evergreen simply does not want to talk to its customers.  Unfortunately, Evergreen’s call wait times became exaggerated beginning in the month of January 2018 due to a combination of increased call volume for questions about year-end interest statements, and calls regarding a servicing system conversion, which occurred on January 1, 2018.  The system conversion affected a large percentage of Evergreen’s customers who called the Customer Service Center for information despite Evergreen’s proactive efforts to answer questions about the conversion through written correspondence beginning in November 2017.  For this inconvenience, Evergreen sincerely apologizes to Mr. [redacted] and assures him that it is our is pleasure to assist each and every one of our customers.  Evergreen did not expect the influx in call traffic in January and February and is currently working to address all customer questions and reduce call hold times.     We hope that this explanation fully answers Mr. [redacted]’s questions.  Should he require additional information, he may contact Evergreen’s General Manager, Jake W[redacted], by telephone at (866) 358-6683 or by email at [redacted]@notecollection.com. Respectfully,   Dori M[redacted] Director of Compliance

To Whom It May Concern: Evergreen Note Servicing appreciates the opportunity to address the issues raised by Ms. [redacted] in her complaint. As mentioned in the complaint, this account was originally set up for servicing on December 5, 2011 with NoteWorld. NoteWorld changed its name to Meracord in...

January, 2012. Evergreen Note Servicing acquired Meracord's servicing rights effective November 25, 2013. Any actions taken and/or records created prior to that time were carried out by the prior servicer. [redacted] and her sister [redacted], as buyers, entered into an Installment Purchase Land Contract dated December 5, 2011 with Sierra Palms Properties, LLC as seller. The seller's LLC is managed by Best 2 Own Homes. After application of the $1,000.00 down payment the principal balance due under the contract was $48,077.89, plus interest at 10.5% per annum, with monthly payments of $480.00 due on the first of each month commencing January 1, 2012. The contract calls for a late charge of 10% of the installment ($48.00) if the payment is not received within 10 calendar days of its due date. Initially, NoteWorld was impounding funds for taxes and/or insurance. The impound account was closed in January 2013 and funds are being sent to the seller, who pays them directly. Currently, the monthly payment obligation is calculated as follows: Installment Amount                                     ...⇄ $480.00Monthly insurance premium passed through to seller                             132.34Payer servicing fees                                      ...⇄ 8.99TOTAL                                   �...⇄ /> The records show that the servicer charged a $60.00 records change fee to take [redacted] off of the account on 7/30/2013 (see attached payment history) to make that change, not a $700.00 fee as the complaint alleges. We have attached a complete payment history showing when payments were received and how they have been applied. Notes have been added to help explain the transactions. When the payment posted 5/8/2012 was received the prior servicer noted that the payer was consistently making payments that are a few dollars short. The seller instructed the servicer to only process the payment once the full amount was received, so any short payments were entered as partial payments that would be applied as a full payment once the amount received made a complete payment. Ms. [redacted] made the payment due on 2/1/2016 on 5/31/2016 and the next payment we received was on 7/25/2016. We have accumulated $589.09 as a partial payment balance which can be applied to the April payment as soon as we receive an additional $32.24. So she is currently due for April, May, June and July. Evergreen strives to provide excellent service to its customers. We regret the difficulties Ms. [redacted] has encountered in looking at our records. Each monthly statement we send out contains information about the status of the account. Our year end statements provide a detailed accounting of that year's payments and their application. Every customer can determine the current status of his or her account by logging onto our website at www.notecollection.com. After reviewing this letter and its attachment, if she still has questions Ms. [redacted] is invited to call us at 800-473-3898 for a detailed verbal explanation of the status of her loan payments.

the name of seller on response was [redacted] the home was in Cinebar wa.

We are pleased that Evergreen Escrow is now in a position to fully respond to this complaint regarding its refusal to release the $2,600.00 it has been holding in its Account No. [redacted].  [redacted] is the payee on this account. 
At the time [redacted], Mr. [redacted]'s daughter, informed Evergreen that her father had passed away, Evergreen sent her an estate package explaining what was needed to transfer his beneficial interest to his heirs and advised her that it would have to hold the incoming payments until it received that paperwork. In spite of repeated requests, the parties have never delivered any estate paperwork to Evergreen. Evergreen is holding $2,600.00 in reserves.
Once we received enough information to determine the name of the account payee, research revealed that Evergreen had provided a payoff demand statement to Lewis County Title on September 1, 2015.  We contacted the title company to see if by chance they had any records concerning Mr. [redacted]’s successors in interest.    The title company records showed that they had received enough documentation from the parties to satisfy themselves that [redacted] was his rightful heir, recorded a Full Reconveyance of the subject Deed of Trust and released $43,977.03 in payoff funds to [redacted].
Based on the information received from the title company Evergreen will be sending a $2,600.00 check to Ms. [redacted].  As an  accommodation to the parties Evergreen will also close this account waiving all fees that have accumulated. 
Evergreen strives to provide excellent service to its customers and hopes the foregoing explanation fully satisfies the demands of the complaint.