888-659-2077

Got a letter from:

Mortgage Auditing Program
Division of A.M.T.

It says that I may be owed a refund of sevaral thousand dollars" from my mortgage lender due to overcharges. It says further that I am "eligible for a mortgage analysis and refund review" and to call 888-659-2077 and reference my case number to begin the review process.

It all smacks of B.S. so I thought I would post it here.

Has anyone else seen this?

We just received one of these letters through the United States Postal Service.  This is a scam.  Take my advice throw it away and save yourself.  We live in Missouri.  I wish I knew what government agency is responsible for stopping this fraudulent mail.

just got one today.  Not responding to it.  phone number is not a found match on reverse phone lookup

just got one today.  Not responding to it.  phone number is not a found match on reverse phone lookup

Just got mine today, (letter, not call).  I live in Missouri.  When my wife brought me the mail, I immediately looked up the number here....and I will be taking the advice of the other posters...It's already in the shredder.

I came to this thread from https://800notes.com/Phone.aspx/1-888-681-9902/4 where Rebecca Benz posted on 11 Oct 2011 that 888-659-2077 is the number on her letter (if you don't see it on page 4, it may have been pushed down to page 5 or 6 by new reply posts). They offer a mortgage audit for $149/$199/$249 (price has varied over time) with full or partial refund if nothing's found as a lure to induce potential victims to call up so they can up-sell victims their real money-making scam called the 30to8 Debt Software (accounting software to "reduce your scheduled mortgage interest").

The company is AMT Auditing Services, LLC but doing business as Mortgage Auditing Program (scroll down all the way down to the bottom of the BBB listing for Alternate Business Names). BBB listing http://www.bbb.org/utah/business-reviews/fore ... ork-ut-22302183 that states "Wells Fargo has stated to the BBB: "Wells Fargo has no affiliation with this company. In addition, this company is not allowed to use the Wells Fargo logo without our express permission. Doing so is a violation of our intellectual property rights."" in apparent response to the use of Wells Fargo's logo on AMT's websites consumerservicing.org and deadpanham.com.

amtdivision.org was registered 03/07/2011 to a domain proxy by an owner who does not want to be found.

deadpanham.com is registered to a David Scheuneman, 2006 Hollywell St, Las vegas, NV 89135. While the address is legit, 702-555-1212 is simply Directory Assistance for area code 702. It's unclear whether David Scheuneman is a willing participant in or unwitting victim of this scam. David Scheuneman does not have a publicly-listed number or has no phone and calling 702-555-1212 for his unlisted number will get you nowhere. David Scheuneman and/or the scammers do not want you to call David Scheuneman. And what sort of a website name is deadpanham anyway for a professional business offering mortgage audits?

AMT Auditing Services, LLC's Utah business license https://secure.utah.gov/bes/action/details?entity=7968758-0151 is registered to Colton Moody. See that "Company Type: DBA" on the second line? AMT Auditing Services is really a DBA despite having "LLC" in its registered company name. Colton Moody appears to want the world to think it's a LLC when it's in fact only a DBA.

No Utah business license appears to exist for Mortgage Auditing Program in apparent violation of Utah state law that requires all businesses including DBAs to be registered http://corporations.utah.gov/pdf/buslicguide.pdf
"Who Must Register Their Business?
All businesses in Utah are required by law to register with the Utah Department of Commerce either as a "DBA" (Doing Business As), corporation, limited liability company or limited partnership. Businesses are also required to obtain a business license from the city or county in which they are located."

AMT Auditing Services, LLC's phone number 888-681-9902 is also used by CRM Ventures LP.
BBB listing http://www.bbb.org/utah/business-reviews/cred ... ork-ut-22301453  CRM Ventures LP also does not have a Utah business license in apparent violation of Utah state law. There is a license for CRM Ventures LLC https://secure.utah.gov/bes/action/details?entity=7325828-0160 but not CRM Ventures LP and the two cannot be considered to be the same. LLC=Limited Loss Corporation while LP=Limited Partnership.

AMT Auditing Services LLC doing business as AMT Division has sent out similar letters offer mortgage audits as reported here https://800notes.com/Phone.aspx/1-888-681-9902  AMT Division does not have a Utah business license in apparent violation of Utah state law.

Colton Moody is also a principal in The Summit Group of Utah LLC http://www.bbb.org/utah/business-reviews/trai ... ehi-ut-13002802 with 1 settled and 1 pending Government Action against it. It has an "F" rating, the Gov Actions are well worth reading. TSGOULLC's business license is registered to Colton Moody as well https://secure.utah.gov/bes/action/details?entity=5394161-0160 

Anyone is welcome to search here https://secure.utah.gov/bes/action for Utah business licenses.

If you buy the audit, you'll get a piece of paper that may say you are owed a refund on your mortgage. However, converting this piece of paper into cash is quite another matter. Patrick says here https://800notes.com/Phone.aspx/1-888-656-9964 on a similar scam operation that "When I asked what is the likelihood of them finding some mistake and me getting a refund from the bank, he indicated that "honestly" very rarely does it happen" and that's because lending papers are pretty much standardized, even ARMs. Lenders know what they can get away with and what they can't. Think your lender will refund money just because you have a piece of paper from an unlicensed fake company you gave $149/$199/$249 to? Lenders have signed mortgage notes in hand and will fight you tooth and claw in court (if one homeowner wins a refund, others will follow). One huge difference is your mortgage note is already legally enforceable in court; your piece of paper is not and you'll have to hire an attorney at $hundreds/hour for months/years to try to convince a court that you have a valid refund. Think it's worth the risk?

If you buy the audit, you will also be signed up for a negative-option, 30-day free trial of $49.95/month accounting software called the 30to8 Debt Software designed to save you $thousands in scheduled mortgage interest (you can also use it for other debts). DON'T BUY IT! There is nothing magic about the software, it uses the well-known method of principal prepayment and you can get the same or BETTER results if you prepay your loans yourself without the software. The 30to8DS is a recent version of United First Financial's Money Merge Account that has been thoroughly debunked here http://www.fatwallet.com/forums/finance/741118/ with a Quick Summary on page 1. In fact, mikef07 states at the top of http://www.fatwallet.com/forums/finance/741118/?start=914 that "The results do show that by using the MMA software it would cost me $5070.29 extra" than doing it on his own and that was when the MMA was $3,500. The present value of $49.95/month for 8 years (assumes you can pay your 30-year mortgage in 8 years and it's not easy) at 1% APR (what savings accounts are giving) is $4,600 so mikef07 would lose 5070.29-3500+4600=$6,170.29 today. If you take longer than 8 years, you will continued to be charged $49.95/month. The 30to8DS is potentially a much bigger money maker for AMT than the audit.

This is a negative option deal -- if you fail to take positive action to cancel the free trial, you will be billed $49.95/month and why AMT Auditing Services LLC wants to cram this down your throat. You do not get the 30to8 software on a CD, you have to go to 30to8.com, login, and enter all your financial details into the website. 30to8.com is also registered to to a domain proxy by an owner who doesn't want to be found. Your login is on an *INSECURE* HTTP connection and who knows if your financial info is stored in plain text or encrypted. BEWARE! Do you want the whole world to know how $much you make, what your $mortgage is, what your card $payments are, etc.?

STAY FAR, FAR AWAY FROM THE $149/$199/$249 AUDIT AND $4,600 30to8 DEBT SOFTWARE AND BEWARE OF SHILLS ON THIS THREAD.

We got the letter yesterday, I called today and spoke to a man named Robert at extension 1925.  This all sounded 'too good to be true' so here I am checking into it just as I told Robert I would.  He told me that A.M.T. stands for Auditing Mortgage Technology and the so called parent company is C.R.M. Ventures.  The price the man quoted me was $250.00 and yes, part of the money would be refunded if they don't find the Mortgage company owes me anything.  I was also told about the website amtdivision.org which sent me to the website 30to8 with the 800-681-9902 number.  Thanks to everyone who posted before me and saved me from this scam.

We got the letter yesterday, I called today and spoke to a man named Robert at extension 1925.  This all sounded 'too good to be true' so here I am checking into it just as I told Robert I would.  He told me that A.M.T. stands for Auditing Mortgage Technology and the so called parent company is C.R.M. Ventures.  The price the man quoted me was $250.00 and yes, part of the money would be refunded if they don't find the Mortgage company owes me anything.  I was also told about the website amtdivision.org which sent me to the website 30to8 with the 800-681-9902 number.  Thanks to everyone who posted before me and saved me from this scam.

We got the letter yesterday, I called today and spoke to a man named Robert at extension 1925.  This all sounded 'too good to be true' so here I am checking into it just as I told Robert I would.  He told me that A.M.T. stands for Auditing Mortgage Technology and the so called parent company is C.R.M. Ventures.  The price the man quoted me was $250.00 and yes, part of the money would be refunded if they don't find the Mortgage company owes me anything.  I was also told about the website amtdivision.org which sent me to the website 30to8 with the 800-681-9902 number.  Thanks to everyone who posted before me and saved me from this scam.

Got one today in Florida. Taking advice from other people and ignoring. Tx.

Mortgage Fraud Examiners exposed this problem of bogus forensic loan audits over two years ago in a press release: "Beware of the Latest Foreclosure Rescue Scam—“Forensic Loan Audits."  http://www.prurgent.com/2011-04-21/pressrelease165977.htm

I just also got the letter in the mail today. Sounded to good to be true..so I checked here on the internet!  Wouldnt you know it...I was right!!  They will try anything to get your money!! I also live in Kansas City, Missouri.

I work at a savings and loan, and we have been getting calls.  I can't believe people would fall for something like that.  I got one at home and promptly shredded it.

Got mine today.  I live in Michigan.  Thanks.

Yep, we here in IL got one too. Thanks for the info. it was to 'generic' a letter to convince me that this was legit. and really? any time the expiration date is so short, it's always a scam to pressure people into making hasty decisions. Thanks to all the info above everyone!!

Yep, got one today. It has  a case # and phone # to call. (Mortgage Auditing Program). You would think if they were legit they would at least have the Lender involved if it was a real audit. Just trashed it!

I also received a notice from A.M.T.  This has SCAM written all over it...as the saying goes "if it sounds to good to be true, it usually is".  Take the other postings advice and throw it away.

Just got one in the mail today. Then started reseraching the internet and run across this site. Next step is trashing it!  Thanks for sites like this!!

I received the letter today. Glad I googled the phone number. Thanks for all the great info. I hope everyone googles it and finds this site.

....and one here today in Ohio. Adding to the shred stack.