THIS BUSINESS IS NOT BBB ACCREDITED

National Improvement Center, Inc.

(888) 818-7483 P.O. Box 16182, Newport Beach, CA 92659

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Description

This company's business is providing loan modification services.

BBB Accreditation

This business is not BBB Accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that lowered this business's rating include:

BBB concerns with the industry in which this business operatesLength of time business has been operating45 complaint(s) filed against businessFailure to respond to 2 complaint(s) filed against business15 complaint(s) filed against business that were not resolved23 serious complaint(s) filed against businessOverall complaint history with BBBBusiness has failed to resolve underlying cause(s) of a pattern of complaints

Customer Complaints Summary

44 complaints closed with BBB in last 3 years | 1 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising / Sales Issues 7
Billing / Collection Issues 4
Problems with Product / Service 29
Delivery Issues 2
Guarantee / Warranty Issues 2
Total Closed Complaints 44

Additional Complaint Information

Complainants allege a pattern of allegations relating to loan modification services, including, misrepresentation, unfullfied contracts and inability to obtain refunds. Customers complain that the company offered services with a money back guarantee, however loans are not modified as agreed, they are unable to obtain refunds, and some report the company is no longer in business. The company responds to some complaints by denying responsibility for the complainant, stating that they did obtain a modification agreement on behalf of the client, or by advising the BBB as of 9/21/2009 that they are no longer in business. One or more complaints are unresolved meaning the company failed to properly address the complaint allegations, the response was disputed, or, their response was inadequate.

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  • Government Actions

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  • Advertising Review

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Additional Information

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100079244
BBB file opened: 2/12/2009 Business started: 7/26/2006
Contact Information
James Barker - Owner
Business Category

Loan Modifications Advance Fee

Alternate Business Names
National Improvement Center, Inc.Central Law Group
Alternate Web Sites
Industry Tips
Effective October, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All modification services must be fully completed before any money can be collected. It is also illegal to divide fees or services into components for the purpose of avoiding this law.

HUD approved housing counseling agencies are exempt from this law.