CIT BANK, NATIONAL ASSOCIATION

2015-07-31

Spfld, MA

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Company Response: Closed

Disputed: Yes Timely Response

2015-07-30

Aventura, FL

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Brick, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2015-07-27

Katonah, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Highland Mills, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-25

MI

Credit decision / Underwriting

Mortgage: Reverse mortgage

Complaint: My Reverse Mortgage is being Foreclosed on, because of no Property Insurance. The company sent me a Insurance policy XX/XX/XXXX and added it to my Line of Credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-24

Irvine, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-22

East Rockaway, NY

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-22

Sand City, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-21

Sandy Hook, CT

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-20

N Palm Beach, FL

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

Eden, PA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

Grangeville, LA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XXXX XXXX, 2015Complaint Number # XXXX Number # XXXX the Consumer Finance Protection Bureau : I have written letters to all of my congressmen. I only have the support of XXXX XXXX, who advised me to contact you since I do not agree with the findings of the bank that foreclosed on my home and file a FORMAL COMPLAINT. I have contacted One West Bank XXXX times and the last letter basically said " we decline to readdress these issues and reserve the right to not respond to overly-broad or unduly burdensome requests ''. The reality is in each letter I wrote, explaining my grievances ; OWB avoided the issues and only addressed the issue of MY INCOMPLETE HAMP applications, missing documents, and letters of denials. I did on several occasions send in complete applications, & yet there were always missing documents, as per One West Bank-their word against mine. We did save some fax confirmations though and hopefully they coincide with one of the many times they said we did not provide the proper documentation to meet the " Hamp government guidelines ''. The representative assigned to my case, XXXX XXXX, wrote a detailed letter telling me how many times I did not meet up to the GOVERNMENT guidelines & yet I happen to find a HAMP Servicers Handbook, which states clearly GOVERNMENT guidelines OWB must adhere to in order to remain an approved HAMP servicing bank. I also have a copy of the Consent Order that stated clearly GOVERNMENT rules that OWB must adhere to. This judgement was set up to protect the rights of borrowers, since banks had violated so many of the borrower 's rights prior to the courts setting up these rules. All of XXXX XXXX 's dates and issues are irrelevant to my grievances against this bank. I AM A BORROWER WHO WHOSE RIGHTS WERE VIOLATED. I WANT JUSTICE AND RESTITUTION!!! Why should I have to adhere to GOVERNMENT guidelines & yet OWB is above the law & DID NOT ADHERE TO THESE RULES AND GUIDELINES??? My grievances are all based on the XXXX documents that have in writing several key issues that OWB violated, which could have made a complete difference in the outcome of my case. 1 ) Not being assigned a single point of contact, who should have reached out to me throughout the process until an agreement was reached & the objection being to avoid foreclosure & be offered other solutions including an in house loan modification. XXXX XXXX listed the dates the letters were sent, yet failed to provide a name. IF she or he existed why not state their name? 2 ) Dual Tracking. XXXX XXXX listed the dates of applications and denial letters, and how many times Sheriff Sales were cancelled. Yet listed no dates of cancellation. IF any were overlapping this would be dual tracking. 3 ) Lies about missing documents, when in fact we faxed everything they asked for unless we could not provide it & wrote a letter of explanation pertaining to the reason it was not available. They drug this process out for years until they drained my equity with inflated legal fees, & back notes with late fees. 4 ) The courts require the holder of the original note be listed on the judgement. My loan was privately held by an investor, XXXX XXXX Bank, yet the last judgement listed OWB. 5 ) Improper service. The Sheriff Officer that served my paperwork for the eviction to a XXXX old child. I will NOT go into OVERLY BROAD or OVERLY BURDENSOME issues. I want a resolution that is fair to me. The banks have the upper hand. I signed paperwork that protects their interests & they know it. How dare OWB use legal terms to accuse me of bringing up issues that are excessive, unjustifiable, & burdensome. The XXXX XXXX states burdensome as difficult or worrying to bear or deal with. Each & every issue I brought up in my case is necessary to show their complete disregard for my rights as a troubled borrower in a poor economy. CONTINUED
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-14

Fort Lauderdale, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2015-07-14

Anaheim, CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: My property is in foreclose and the banks have not been cooperating with loan numbers or payoff information. I have lost at least XXXX sales and been threatened lawsuits against me for money damages because I could not get loan numbers in order to get payoff information so I could close. The bank wants my property and refuses to cooperate in the sale because I have equity in the property. It took me two years before I could find out the loan number on the XXXX. I now have another offer and the bank is now telling me that they can not find the file. They want it to go to sale so they can steal the equity even though they have already been paid for the loan.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

Amherst, NY

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

Maclean, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Key Biscayne, FL

Application, originator, mortgage broker

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Coronado, AZ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Santa Ysabel, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Coconut Grove, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

Lower Makefield, PA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

California Mens Colony Slo, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

Marlboro, MD

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-07

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Complaint: This is a Reverse Mortgage situation. My mother passed away on XXXX XXXX, 2014 and named me Executor. We notified Financial Freedom that our intent was to clear the home of personal property, to make repairs/renovations, and to market the property for sale by XX/XX/2015. We were granted a 90 day extension on XXXX XXXX. Due to miscommunication between Realtor and Trustee, the request for extension with Financial Freedom was sent on XXXX XXXX, 2015 ( due at Financial Freedom by XXXX XXXX, 2015 ) but the request was directed to OneWest Bank, parent company of Financial Freedom. Both OneWest Bank and Financial Freedom deny receiving request for extension and instituted Foreclosure Proceedings on the Estate property. We have provided all documents requested but Financial Freedom simply states they are strictly adhering to the HUD guidelines and will not deviate. Because of this we were forced to list the property without being able to make appropriate restorative action and to accept a below-market price. We now have a contract which shall close on XXXX XXXX, 2015, however Financial Freedom refuses to delay, defer, or stop foreclosure proceedings, with auction date set for XXXX XXXX, 2015. We feel that Financial Freedom has been unwilling to work with us ; we simply requested legal extensions in order to market the property at a fair price in line with local comps.
Company Response: Closed with explanation

Disputed: Yes Timely Response