888-721-0371

I received a letter listing 888-721-0371 (not a call) dated 9/21/11, with a Notice Expiration date of 10/12/11, from Mortgage Auditing Program, Division of A.M.T. and a reference number informing me that I may be owed a refund of several thousand dollars from my mortgage lender because my monthly mortgage payment may have been miscalculated, with the average refund between 1,497 and one third of the refunds $3,000-$7,500.  They offer a mortgage analysis and refund review.  I'm sure its only an attempt to obtain my personal financial information and also rack up fees for the so called "analysis."  If you get something like this, just throw it in the trash because it's a scam.  

If anyone gets scammed by this outfit, you can report it to the Fereral Trade Commission, Attorney General's Office and the new Consumer Protection Financial Bureau.

I received this letter too.  I called the number, they checked their database, so they say and wanted to email me details on how much I was owed.  Oh for a charge of $199 and proceeded to ask me for a visa or mastercard number...are they crazy???  Recycle is exactly where my letter went.

I'm so glad to find your comments on the same letter from A.M.T.  that my husband and I received 10/1/11.  I told him not to beleive it but he wanted me to call the 888-721-0371 number anyway.  I will throw the letter in the trash where it belongs and certainly not call them.  Thanks for letting others know.

BIG SCAM!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!  BBB has several complaints - no business license, etc.  SCAM SCAM SCAM

I couldn't locate this company or phone # on BBB?

I recieved a notice  in the  mail too...I called and they told me  for  249.00 they  would check my  mortgage for  any  over charges..They  said  on a  avg.   the  return is  1500.00 and a  third  of the refunds  equal 3,000 to 7,000........Sounds good  hah?  thats  why  I  googled  it~

Thanks  for  your  help!!!

I came to this thread from https://800notes.com/Phone.aspx/1-888-681-9902 (if you don't see it on page 1, it may have been pushed down to page 2 or 3 by new reply posts) where CinciCat posted on 6 Oct 2011 that 888-721-0371 is the number on his/her letter. 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.

wow, ty. I am a super busy mom ... blah blah blah .. single...work my ass off ....5 kids, ty immensly for all of your super valuable information. youve really done your home work and then some. acts such as this truly help your community. again ty

They are on the BB, but they are called AMT Auditing Sercives---The BBB says it has no complaints about this company at all??!!!?
Maybe nobody has gone thru with it to really see if it's legit so therefore, no complaints??

Gailean Troutman posted on 19 Sep 2011 here https://800notes.com/Phone.aspx/1-888-681-9902 (it's in the middle of the page) the following statement "he/they are trying to swindle you in.  They already got me.  Don't do it.  I wish I had taken my time, should of known." The BBB thinks AMT Auditing Services LLC is a real LLC but their Utah business license https://secure.utah.gov/bes/action/details?entity=7968758-0151 shows that it's really a DBA (see that second line "Company Type: DBA"?). Why would a legit company want people to think it's a real LLC instead of a DBA? Read my long post above for all the juicy details. I wish shills would stop trying to look for the faintest bright spot in Colton Moody's horribly dark business history. You saw AMT had no complaints with the BBB but did you miss the part where Wells Fargo told the BBB that "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?"

I got the letter and called the number, they wanted 199.00, then I used the best thing ever, internet search, I'll keep my 199.00, thx

Rcv'd this letter yesterday, so glad I googled and found this page!

Thank you!!!

I am so...glad I am doing my homework before making this huge mistake.  I called them 3 weeks ago after I got the letter and I told him them that I was going to think about. So they call me back today to offer a reduce fee of $199.00 instead of $249.00 so I asked them question how this auditing works and I asked them for their company's full name.  Since I was at work I had him on hold cause I had to take care of work stuff, then I decided to google them and I am glad I found this, during this time they had called me 4 times in which I keep putting them on hold until I completed my investigation.  Thanks a lot for all your help. So you the newest number is 888-852-0568

the other number  that i recieved was a 8777620725 this was also from amt division go figure that they got 150 out of me,were u able to get your money back and if so how do i go about it! i recieved more info on you than i did them!!!

I got the same letter last year with an expiration date 12/21/11 I just called the today (2/28/2012) just to find out more info.  This guy name mitch Brice told me exacly the samething as the comments above.. I asked him for a web site he gave me this one (amtdivision.org) he told me that they charge $269 but if there is not refund I will get my money back ...yeah Right!!! I told him that I was going to call better bussiness bureau to find out more info about his company  & wanted me to enroll like ASAP I told him That I was going to call him back tomorrow wich of course after reading all the comments above he will have to wait for a long time.. lol
thanks for your help.. I hope they get arrested for fraud...

Received the same letter this weekend.   Thank you for giving me the information of who to report this too.  We knew it was a scam as soon as we opened the letter.  Did not look official at all. And, we had never heard of a Mortgage Review.  Thanks for the heads up.

I just received a rather unofficial looking letter today from "Mortgage Auditing Program", Division of Consumer Services. "This notice is to inform you that you may be owed a refund of several thousand dollars from your mortgage lender... average refund is $1,497.32 and one third of the refunds equal $3,000 to $7,500... Please call 888-251-6057."

I called my attorney. He said it was a scam.

You can register a complaint with the Attorney General's Office.