I'm not so sure why they offer any help if after 5 or 6 months of paperwork they tell you that they can't do anything. this is the worst company that I've ever dealt with.
by Anonymous From Bronx, NY on June 11, 2009

National City is unethical. I locked with them last November at 4.8% for a refinance. Since then they have jerked me around with constant re-checking of my credit, repeatedly telling me they lost things like my pay stubs and now on third appraisal of my home. Yes, values have been dropping so now they are telling me they can't give me loan amount. Nine months, I make plenty of money, stable income, excellent credit in high 700's. I am gooing to file every complaint I can agaianst this company that, yes, has taken tax-payor bail out money. Our money at work fellow citizens!!
by Anonymous From Pontiac, MI on June 10, 2009

I have been requesting help from National City since September 2008. They refused to help me when my mortgage payments were still current. So after months of trying to get help with them, I finally stopped paying my mortgage in February. After three additional workout packet submissions, they are stil "in review" of my application. Yet, they did not hesitate to report my delinquency to the credit agencies nor to schedule a sheriff's sale on my home. Luckily I have a Fannie Mae loan, which keeps them from foreclosing on me until they complete the review of my loan. I have spent so much money and time dealing with them and after nearly a year of asking for help, I have received none.
by Anonymous From Omaha, NE on June 09, 2009

by Anon From Seattle, WA on June 07, 2009

We have been communicating to NCM since Oct 2008. They have no rational process for reviewing claims, and give misleading and arbitrary info on the phone. If you expect to get a loan modification from them, you are fooling yourself. Take it up with your congressman.
by PT From Longmont, CO on June 05, 2009

This company convinced me to have my Chapter 13 bankruptcy dismissed so that they could re-negotiate my mortgage and then foreclosed us 9 days later. SIMPLY UNBELIEVABLE. Now my wife and 2 kids are looking for an apartment!!
by Gary Solomon From Virginia Beach, VA on June 02, 2009

Due to a lapse in my coverage... insurance bill was sent to the wrong address. I was in contact with NCMC during entire process. At no point was I informed they would charge me a "fee" of more than the actual policy until they started pulling it from my account. bad business practices. Do not deal with them. by Bill Marshall From Glenwood Springs, CO on May 11, 2009

I get the "poor service" comments. We are actually in good standing with NCM. When I called to do a re-fi with cash out, I got a GFE immediately, encouraging me to lock ASAP. However, when I tried to move forward, I did not hear back. Left two vm's and sent emails. Finally got a brief email explaining he was busy but would get back with me the next business afternoon. Next business afternoon came and went - late last night received another email telling me the re-fi would move forward ASAP. Asked for an updated GFE and have not heard back. I am so glad I found this website. After reading comments, we are going with another lender. NCM is losing our business and we have excellent dredit (by the grace of God) and an excellent payment history. The lack of communication is not acceptable - and I certainly don't want to risk the "cash out" payment to be held by NCM for 60m days! Thanks for all of your comments. Hopefully NCM won't read this and figure out who I am - sounds like they may lie about our payment history to discourage the next lender!
by alvin Hughes From South Holland, IL on May 05, 2009

I'm currently working on my 3rd Hardship Packet with NCM. I've been denied twice advising the investor doesn't agree with modifying the terms. I've only been offered a repayment plan which would result in a higher payment of over $4k. I haven't made a payment in 11 months. I was served with the NOD in 1/09 with no sale date yet. I believe NCM hasn't received it's share of bail out money and is holding it's customers hostage until Washington pays out more.
by Ana Arteaga From Melba, ID on April 21, 2009