Like many people here, got sucked into this compan...

Like many people here, got sucked into this company not by any choice of my own. I financed through TIAA-CREF, thinking this would be a good thing because they are so great to work with for my retirement account. MISTAKE! TIAA direct is a separate for profit company. They immediately sold my mortgage to this sham of a company. Immediately problems ensued. Every few months my payment changes, because of some kind "escrow shortage" or some other non-sense. When I try to get an explanation of where the discrepancy is coming from, they customer support in the Philippines is clueless, and just keep saying 'escrow shortage' over and over again. I tried to explain to them I live on something called a "budget" and need to have a consistent payment each month so that I can make sure there is enough money available for everything and can't have my bill changing by hundreds of dollars unexpectedly every few months. Like talking to a brick wall.

I have NEVER been able to access my account online, because it only shows me my old closed TIAA mortgage that was payed off and closed when it was sold. I spent 30 minutes on hold with another person in the Philippines to try to fix this, and all they did was change my password (which didn't need to be changed, I had no problem logging in) and then told me they couldn't fix the other issue because 'all of their servers were down.' Like another person who reviewed, I have seriously looked into refinancing and paying $5000 in fees just to get away from this horrible company.

Rating is actually NEGATIVE 5 STARS.