CIT BANK, NATIONAL ASSOCIATION

2015-10-09

California Mens Colony Slo, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2015-10-08

Wildomar, CA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-04

Wailuku, HI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed

Disputed: No Timely Response

2015-10-01

Great Neck, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2015-10-01

Brooklyn, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have discovered and notified OneWest Bank pursuant to XXXX XXXX XXXX, that the Assignment of Mortgage on my loan was was robo-signed by serial robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. I also requested OneWest Bank to investigate pursuant to XXXX XXXX XXXX. OneWest Bank has failed to respond and acknowledge the robo-signed Assignment of Mortgage that they are attempting to use in a foreclosure proceeding.
Company Response: Closed

Disputed: Yes Timely Response

2015-10-01

Groton, MA

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Complaint: My father ( deceased ) had a reverse mortgage on my childhood home. After he died the mortgage company ( Financial Freedom ) said that I, as legal heir, would be allowed to purchase my father 's home for 95 % of its fair market value. They sent an appraiser who took a photo of the front and rear of the house and added a {$450.00} appraisal fee to my father 's account with Financial Freedom. The appraiser never even came inside ( my family and I were living in the home at the time of appraisal and were in fact living with my father before he died ). The appraisal came in at $ XXXX. The $ XXXX was very near the assessed value posted by the board of assessors. I suspect that some percentage of the assessed value was used in lieu of a real inspection and appraisal. This phony appraisal meant {$120000.00} to me using the 95 % figure. I told Financial Freedom that the property was not worth {$120000.00}. This was confirmed by a real estate agent, and friend, who lived next door. I told Financial Freedom that I wanted to get my own appraisal and they said only their appraiser could be used. In XXXX 2015, my father 's property was sold for $ XXXX to a total stranger. I feel completely cheated by this dishonest appraiser, Financial Freedom and XXXX XXXX ( the buyer at auction ). My real estate neighbor predicted that they would be very lucky to get $ XXXX for the house. How right she was. My husband is a veteran and has access to a VA Loan. We would have gladly purchased my father 's property for the $ XXXX ( real fair market value ) but were never even notified that they would sell it for $ XXXX less than they originally told us. Completely unfair and immoral and criminal in my opinion.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-30

Rock Hill, MO

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed

Disputed: No Timely Response

2015-09-29

Dortches, NC

Settlement process and costs

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2015-09-28

Botts, PA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed

Disputed: No Timely Response

2015-09-24

Carson, MS

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Complaint: My mom passed in XX/XX/XXXX and we discovered that she 'd done a reverse mortgage on her home with Financial Freedom. After her passing we contacted them and started to try to get information on how to keep my moms home. From the first phone call we were told they needed to have someone that was authorized from the estate to talk to them. At that point we began sending documentations, XXXX form which they provided that indicated authorized person to speak to about my mother 's property. Every phone call after submission to them, they consistently demanding getting proof of this authorization. We mailed, faxed, and certified mailed them the necessary documentation and they NEVER acknowledged getting it. The steps that they did advise us to take, we did. When I say we, I mean, me, my sisters, and my brother ... we 've ALL been trying to deal with this situation with financial freedom. My sister even had her attorney try and help in this situation to know avail. Two months after my mom passed they sent us a package referencing foreclosure procedures. Still NEVER would Financial Freedom Speak to us. Once those papers came, my sister had her Banking Representative call Financial Freedom trying to get information on the debt to assist in the payoff..they would n't give him any information. Next, we get a letter with the date the house was going to be auctioned for sale! Still have n't spoken to anyone from financial freedom! Now we are in the midst of still trying to figure out how to and who to contact that the house has been foreclosed on and here 's what we got : '' You will need to contact XXXX XXXX XXXX, they have the loan '' XXXX XXXX XXXX says : '' Sorry we do n't have any information on that property. You may need to call One West Bank : Called One West Bank, they say : '' You need to call XXXX XXXX XXXX '' Now ... after this, we called the attorney office that was hired by One West Bank to try and get the information we need of who to contact to submit a bid to purchase the house. He emails a copy of the foreclosure papers to me that has a number to call. I call the number ... Its Financial Freedom. What does Financial Freedom say : '' We need a person authorized on this account to talk to ... It 's been six months of being tossed back and fourth from Financial Freedom to XXXX XXXX XXXX to One West Bank to CIT Bank, and now back to the people who will NOT talk to ANYONE. A representative at One West Bank advised me to contact you. He told me of situations where people property in 'reverse mortgage ' situations houses end up going to HUD and that if that happened, we probably would not know what was going on until the house had been sold to someone. ALL we want to do is keep our MOTHERS home. All we need is someone to tell us, who has the deed now to purchase the property from. We are running out of time. The foreclosure was done on XXXX XXXX, XXXX. We initially were told to wait two weeks before calling XXXX..now we 're going into three weeks and we do n't know who has the deed, or who and where to submit a bid to keep the home our mom literally sketched out and had her dream home build. Please help us before its too late. Financial Freedom is a Financial Nightmare! Six months talking to people and still no results! NEVER DO A REVERSE MORTGAGE!!!!!!! It 's not worth it!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-24

Carver, MA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: we have lived in our home for 30 yrs. We are XXXX & XXXX yrs old. We have a son that is XXXX old who is a XXXX individual of XXXX. We have been scammed by our mortgage co as they have altered the income information greatly. Took my wife off the mortgage when she was the main source on income. Have a XXXX mortgage and we never took any money out of the house. My income was {$800.00}. per month from my part time job. The bank altered it to {$8.00}, ooo. per month. I did have an attorney look at the original loan documents and she has told us that it does most certainly appear to be fraudulent and it would take thousands of dollars to proceed. we do n't have the money we are broke. We would like the bank to make good on their error asap before foreclosure as the pressure and the stress at our age and XXXX are too much to bear any longer. We tried for a loan modification XXXX times with and without help with no success. They always needed more info or the info expired it was a two year process. I hired a group of lawyers to help us and they scammed us and also made us enter into a credit card program that was also a part of their scam. They are all under arrest and have been indicted by the XXXX XXXX XXXX 's office. that was over {$21000.00}. we lost. we have been in contact with that XXXX 'S office XXXX times after all their assets are seized some monies could be refunded to their victims. This has been going on since XX/XX/XXXX. We have no money to get a mobile home in a XXXX community, and we can not get any financing because our credit scores are not high enough and that is what I want to do. I am not looking to get rich over this but some money to buy a mobile home outright and some money for the anguish my wife and I have suffered would be satisfactory as this mortgage company has not helped us at all of even shown us some compassion from the beginning. They sold us a mortgage they knew we could not afford and would eventually foreclose on us. They know they are wrong we had an attorney put a cease and desist order on them as they were calling XXXX times a day and having me explain it over and over again. They have called some XXXX times since the cease & desist order was placed on XX/XX/XXXX. I am really at the end of my endurance financially, emotionally, and self worth their is nothing else for us to do. Soon we will be homeless I never thought my life would end this way after all the years of hard work this is what we have come to in our lives Thanks
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

KS

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Complaint: I am an XXXX year old lady who took our a Financial Freedom loan XX/XX/XXXX. I have had a lot of trouble and feel like the loan was misrepresented. I receive {$1100.00} in Social Security each month. Their rules have changed they say as of XXXX. I have trouble paying the RE taxes, but keep up my insurance. On XX/XX/XXXX they chanced my loan to matured status and say I have 90 days from there to be put in foreclosure. On XX/XX/XXXX they received my request for extension. as of XXXX they have not yet sent it to hud. Say they are too busy, but they have time to call and send all kinds of other harassing stuff. I have been in my home 60 years and am not fit to move. It is tearing me up. I do n't know what to do. They are driving me crazy. I went to a lawyer but I ca n't afford to pay them. I called the counseling places and they do n't return my calls. My banker has tried to help me also with forms. I am helpless as to how to live. Please assist me as you can. Thank you for your consideration.. I sent them XXXX payments that they requested and they returned XXXX and said they did not receive the other. Said they are no longer accepting payments, but they did not send the XXXX on back. Received the XX/XX/XXXX XXXX back for {$250.00}. I have no money for needed items. Sincerely.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

Downey, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2015-09-21

Sierra Madre, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2015-09-17

Cheverly, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) Work ( XXXX ) XXXX ( XXXX ) Cell ( XXXX ) XXXX ( XXXX ) Work ( XXXX ) XXXX ( XXXX ) Email : XXXXXXXXXXXX & XXXXXXXXXXXX XXXX, XXXXConsumer Financial Protection BureauXXXX XXXX XXXX, XXXX, DC XXXXDear Madam/Sir, We need your help regarding our loan with OneWest Bank/IndyMac Mortgage Service. The bank contact us regarding getting a loan modification back in XX/XX/XXXX and XXXX. I spoke with a XXXX XXXX regarding our loan and the problems we had with making the last trial period with our loan modification that was approved. We had only XXXX more payment to make. We contact the bank every week on the status on when we will make the payment. The bank informed us just make it before the XXXX of the month. When we went to make the payment the bank said no, we ca n't accept the payment. We informed that we spoke with customer service a couple of time, customer service informed that was fine. On XX/XX/XXXX I received a loan modification package from XXXX XXXX, I spoke with him he informed me to fill out the package as soon as possible for the 12 months period. We emailed the package with all documents on XX/XX/XXXX twice to the bank once at XXXX and then at XXXX ( Please see attachments ) with a message to inform that we are waiting for tax person to email us our XX/XX/XXXX years. And we also called once or XXXX a week to update them on the status of XX/XX/XXXX tax returns. The bank contact us again to inform us had to make some corrections on XX/XX/XXXX, on XXXX XXXX we email ( XXXX ) and fax the corrections. No one from the bank help us fill out the loan modification package to make sure that everything Is correct or brief us on loan modification programs. The bank said loan modification department did not received package and document, to them yes you did I have the emails to show and fax. The customer service person to email package again to his manager and we did. The customer service never informed to email the package to an manager just to the email address that you received application. On our letter bank did not ask questions or go over the information with us. On Tuesday, XX/XX/XXXX I called the bank ID # XXXX informed us that we did not get a loan modification approved and that our home is in foreclosure status. I ask why, she did n't tell me. I asked her for all of the documents from the loan modification so we take it to Consumer Financial Protection Bureau to review documents and the approval steps, she NO, that bank will not release ANY documents. I told her that on yourapplications and letter, it does n't say that all documents that are submitted to OneWest/IndyMac bank will not return or release. We feel that bank was not helpful with us and is not trying to help keep our home. I think the bank is playing games with us. Every time I speak with someone it 's something different. Can you do the following : A forensic Audit on my Loan and Loan Modification application Request all documents from OneWest/IndyMac Bank Open an investigations on this request Policy on all loan modification programsI hope you can help keep our home. Thank you, XXXX XXXX and XXXX XXXX XXXX XXXXAttached XXXX emails to OneWest Bank All documents Loan Modification Applications
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-17

FL

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Complaint: NOTICE OF FILING CERTIFIED FRAUD EXAMINER AFFIDAVIT NOTICES IS GIVEN That XXXX XXXX XXXX, debtor hereby files a certified Fraud examiner Affidavit, with the propose to clarify Objection to Confirmation of Plan and Standing of creditors One West Bank Mortgage Servicing, a division of CIT Bank XXXX. FOR HIS CONCLUSION : One West Bank FSB does not have standing to foreclose on the subject property as it is not the holder in due course of the subject loan. According to PSA which created the trust which currently owns the loan, the only possible holder in due course is XXXX XXXX XXXX XXXX XXXX as trustee for the IndyMac XXXX XXXX. However, XXXX and IndyMac Bank, FSB violated their own securitization trust documents. Therefore, XXXX lost its interest in the subject property and its right to foreclose by violating its own PSA, giving both the homeowner and the REMIC investors a cause of action for fraud. I 'm victim of Robo Signer and all the proof are on this Certified Fraud Examiner Affidavit attach. THEREFORE, I respectfully request that this Honorable Court take this Notice in Consideration. I HEREBY CERTIFY That a true and correct copy of the foregoing has been furnished by U.S MAIL to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX FL XXXX and to XXXX XXXX Trustee XXXX XXXX XXXX at XXXX BOX XXXX, XXXX XXXX, Florida XXXX this XX/XX/2015
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Sacramento, CA

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Flushing, NY

Loan servicing, payments, escrow account

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-12

Wallington, NJ

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-11

Meskegon, MI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-11

San Geronimo, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: The loan modification I had expired in XX/XX/XXXX so my mortgage due was XXXX what I had been paying since shortly after my husband passed away XX/XX/XXXX. I could not afford the mortgage and had been negotiating with the bank for over a year. After filing a complaint here in XX/XX/XXXX, I was a contacted by a point person who said he would fast-track a modification. Five months later, I received a 3-month trial payment offer followed by a modification contract. The contract did not include debt forgiveness and stated that if I ever could not repay the loan, I would have to use other assets. As a XXXX widow, I can not afford the house my late husband left me with. I 've received notices that I 'm in severe default, followed by trustee corporation notice of foreclosure proceedings. On XXXX XXXX, I came home to find letters taped to my gate that said my house would be auctioned on XXXX XXXX. I have an attorney who contacted the bank on XXXX XXXX. At that time, the person he spoke with said the bank did not have a confirmed date to auction the house, and together filed an application to delay the auction. But yesterday, XXXX XXXX, my lawyer called the bank and the person he spoke with said he had no record of the application, the bank will auction my house on XXXX XXXX, and it 's too late to do anything other than foreclosure. I realized I can not stay here with the mortgage - way above the {$720000.00} maximum - that my late husband left me with. I just wish to have some better closure with this without having to file XXXX of documents to prove hardship. I wish to be able to have bank agree to a short sale or deed in lieu of foreclosure and give me up to 2-months to clear out of the house I 've lived in for 28 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Burbank, CA

Account opening, closing, or management

Bank account or service: Cashing a check without an account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-09

Manassas, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-06

Boston, MA

Settlement process and costs

Mortgage: Reverse mortgage

Complaint: My mom had a living trust. My brother who had control of trust quitclaimed home back to mom and had her sign fir a reverse mortgage. She wasXXXX years old. Although of sound mind very hard of hearing and to frail to leAve home. Financial freedom was lender. They never inspected home. She did not have a picture identification so they took her social security card had her hold it under neck and took a picture. She was prompted to just sign do n't worry. My mom willed the house to me. She passed in XX/XX/XXXX. Several times I faxed will death certificate etc. To o them. Reached to o several city iprograms to resolve issue so I could patwo years of due diligence y them off. I received forevlosyre notice on XX/XX/XXXX that home was foreclosed and auction was XXXX. Again trued to reach out no follow up calls but XXXX. Telling me yo call back nect day. Never available. Letters were sent yo my mom her spouse the estate of my mom and XXXX brothers. I received nothing. I have 8 days before home of 58 years in family which is worth XXXX the amount of mone owef and financial freefim is still not communicating with me.they sent a bank representntive yesterday looking for ky mom. Two years of worry and they still can not get it right. I believe i should have more time while they correct information. I the owner have never been addressed. They are unethical if not down right criminald.
Company Response: Closed with explanation

Disputed: No Timely Response