CIT BANK, NATIONAL ASSOCIATION

2015-04-27

Aliso Viejo, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

Flanders, NY

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

Los Angeles, CA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-23

Greenbelt, MD

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-23

Oxford, GA

Loan servicing, payments, escrow account

Mortgage: Reverse mortgage

Complaint: For more than XXXX days, the family of XXXX XXXX, through the Administrator of the estate, has been trying to get the HUD Redemption payoff for her home. Freedom Financial is the lender is intentionally stalling in order to avoid or stop the estate from purchasing the home.
Company Response: Closed with explanation

Disputed: No Untimely Response

2015-04-23

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-17

Hampton, VA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

Patterson, MD

Settlement process and costs

Mortgage: FHA mortgage

Complaint: During my Mortgage signing process in 2007 at my home, the only people in attendance was the Title Company Representative and myself. I am the only person who signed the original documents. The Title Company Representative said that she would sign her section when she returned to the office. I questioned that process, she stated that it was normal to do it this way. A Notary was not present to witness/verify signatures. She also stated that was normal also. She said that a Notary could verify documents after the Mortgage signing process. I have requested original signed documents from Indy Mac/One West Bank, they refused to send the original signed documents. Stated they they were stored in a vault and it would be difficult and take too long to retrieve. Can my home be foreclosed if the original signed documents can not be presented? Also, should a Notary have been present to witness signatures? Therefore, are notarized documents pertaining to my Mortgage signing fraudulent documents since a Notary was not present?
Company Response: Closed with explanation

Disputed: No Untimely Response

2015-04-15

Agnew, WA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Lafayette Hl, PA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-14

Allenwood, NJ

Loan servicing, payments, escrow account

Mortgage: Reverse mortgage

Complaint: Actually this is more info on Case number : XXXX. I do not see a way to give more information. I received a document in the mail. When I spoke with XXXX several weeks ago, he mentioned the net Principle Limit could be accessed and used. After doing my own research previously and making previous calls to Financial Freedom/One West, I doubted this was true, so I decided to test it. I tried to withdraw {$1000.00}. If he was correct, I would just withdraw the money I did n't know was mine for the asking, and pay the commission and closing fees. But, I was correct and XXXX was not. In the mail I received documents requiring my signature to adjust my mortgage so I could get my {$1000.00} check and then only receive approx {$300.00} per month, which would then not cover my living expenses on the home should it a ) not sell or b ) HUD does not approve the short sale. So, I did not sign the papers and again, I am right back where I started. I do n't have money for the commission and legal fees to sell the home and FF/One West is still pushing foreclosure and deed-in-lieu since they will not help with the closing costs. Again, this would have only cost them $ 5K last year if I sold to the first buyer ( RE commission and legal fees ), and now they have paid me {$7500.00}, which means they could have saved {$2500.00}. How could the US bail out banks when this is what they do to elderly homeowners?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

Rncho Domingz, CA

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: From the Desk of XXXX XXXXPrivate Attorney General42 U.S.C XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXConsumer : XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX, CA XXXXPENDING CRIMINAL INVESTIGATIONLAST UPDATE XXXX XXXX, XXXXFEDERAL CONSUMER LAWS CIVIL CODE SECTION 1567. An apparent consent is not real or free when obtained through 1. Duress 2. Menace 3. Fraud 4. Undue Influence or 5. MistakeFEDERAL CONSUMER LAWS CIVIL CODE 1571. 1572. 1573. 1574. 1575. 1576. 1577. AND 157812 USC Sec. 503. Liability of directors and officers of member banks ; 12 USC Sec. 504. Civil money penalty ; 12 USC Sec. 541. Tax on circulating notes generally ; 12 USC Sec. 582. Receipt of United States or bank notes as collateral ; 12 USC Sec. 629. Conversion of banking corporation into Federal corporations ; procedure 12 USC Sec. 630. Offenses by officers of corporation ; punishment ; 12 USC Sec. 631. False representations as to liability of Unites States for acts of corporation ; punishment ; 12 USC Sec. 632. Jurisdiction of United States courts ; disposition by banks of foreign owned property ; 15 USC Sec. 1692. Congressional findings and declaration of purpose ; 15 USC Sec. 1692g. Validation of Debts ; 15 USC Sec. 1692j. Furnishing certain deceptive forms ; 15 USC Sec. 1693n Criminal liabilities ; 15 USC Sec. 1693o. Administrative enforcement ; 18 USC Sec. 479. Uttering counterfeit foreign obligation or securities ; 18 USC Sec. 480. Possessing counterfeit foreign obligations or securities ; 18 USC Sec. 1962. Prohibited activities ; 18 USC Sec. 986. Subpoenas for bank records ; 31 USC Sec. 5316. Reports on exporting and importing monetary instruments ; 42 USC Sec. 1986 Action for neglect to prevent ; FORGERY CALIFORNIA CODE OF CIVIL PROCEDURE 749 AND 749.5PENAL CODE115.5 FALSE DOCUMENTS RECORED IN THE COUNTY RECORDERS OFFICE PENAL CODE 182 CRIMINAL CONSPIRACIES PENAL CODE 470 ( a ) ( b ) ( c ) ( d ) INTENT TO COMMIT FORGERYVIOLATION OF GOVERNMENT CODE SECTION8214.1 ( d ) Failure to Discharge the Duties or Responsibilities of a Notary PublicVIOLATION OF GOVERNMENT CODE SECTION8214.1 ( e ) Adjudged Liable for Damages in Any Suit Grounded in Fraud, Misrepresentation, Violation of State Regulatory Laws or Failure toDischarge Fully and Faithfully the Duties of a Notary PublicVIOLATION OF GOVERNMENT CODE SECTION8214.1 ( i ) Act Involving Dishonesty, Fraud, or Deceit with the Intent to SubstantiallyBenefit the Notary Public or Another, or Substantially Injure AnotherVIOLATION OF GOVERNMENT CODE SECTION8214.1 ( l ) Execution of any Certificate as a Notary Public Containing a StatementKnown to the Notary Public to be FalseExecution of a certificate that the notary public knew contained false information. VIOLATION OF GOVERNMENT CODE SECTION8214.1 ( o ) Failure to Secure Journal or OfficialRESCISSION OF SUBJECT PROPERTY UNDER CALIFORNIA CIVIL CODE 1688, 1689 ( a ) ( b ) ( c ) ( 1 ) ( 2 ) ( 3 ) 1689.2 NOTICE OF ERROR UNDER 12 C.F.R. 1024.35-1024.36PreparationPlanning Checklist Items Yes No Not Required CommentsGRANT DEEDXX/XX/XXXXDOCUMENT # XXXX XXXX XXXX HEREBY GRANTS TO : XXXX XXXXXXXXACKNOWLEDGED AND NOTARIZEDDEED OF TRUSTXXXXDOCUMENT # XXXX REPUBLIC TITLELOAN # XXXX # XXXXBORROWER- XXXX XXXXLENDER-XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMPANYMERS IS BENEFICIARY $ 420,000.00***XXXX WAS SUSPENDED IN XXXX XXXX, XXXX BY THE SECRETARY OF STATE OF CALIFORNIA AND FRANCHISE TAX BOARD IN XXXX. SEE ATTACHED INTER-AGENCY INQUIRY******ON XXXX XXXX, XXXX XXXX, INCAMENDED UNDER ARTICLE 1 : THE NAME OF THE CORPORATION IS " XXXX, XXXX, INC COMMITTED CRIMINAL CONSPIRACY WITH XXXX XXXX XXXX XXXX XXXX DOCUMENTS INCLUDING NOTARY PUBLIC COMMISSION
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-11

Napa, CA

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Company Response: Closed with non-monetary relief

Disputed: Yes Untimely Response

2015-04-10

Van Nuys, CA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Untimely Response

2015-04-09

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-05

Greenwood, CA

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Complaint: My Mother passed away on XXXX XXXX, 2015. She had a reverse Mortgage with Financial Freedom ( FF ). We were busy dealing with funerals services, bills etc, but contacted FF within 30 days to notify them of her death. They sent forms that asking our intent for the property. We checked the appropriate boxes that indicated our intent to purchase the property for the family. We also called them and had extensive conversation with a rep. She stated we could have XXXX extensions, 90 days each, totally XXXX year. This we felt would give us time to resolve all financial, billing and any probate issues with regard to her estate and seek out financing for the purchase of the home. The forms were mailed in. I called to confirm they had been received and never heard anything else. I assumed the extension had been granted. I am the executor on the estate and presently live in the home and travel substantially for my job. I discovered a foreclosure had been filed against the property in XXXX. I contacted FF on XXXX XXXX to discuss why they were filing foreclosure when I had turned in forms for the extension. At first they had no record of me ever speaking to anyone and could not locate any forms. I pushed until the gentleman " XXXX '' stated he did have the forms but no extension was granted. He said I need to show I had the funds to purchase the home and evidence I had applied for a mortgage. I asked why I had n't been informed of that in any previous conversations. He had no record of previous conversations. He said I needed to send in proof of funds to stop the foreclosure by XXXX XXXX, 2015 and a letter requesting and extension. I called back and got a different person " XXXX ''. I wanted to be clear about what to send in and what was expected of me. She was very detailed about sending in a request for an extension and proof of funds. She said once that was in they would give me an extension to XXXX XXXX, but that I would have to contact her by XXXX XXXX to request another extension. She also said once I signed a purchase agreement time would be added to the extension. So ... I sat down, typed the letter, included a copy of my account statement showing I had a down payment to purchase the home ... XXXX pages, and sent all through email to XXXX at her email address. She is the person listed as the person to contact regarding the account. I also faxed a copy to the number listed and went to the post office and send all copies through regular mail and certified mail with a returned receipt. This was all done on XXXX XXXX, 2015. Following the emailing, faxing and mailing I called back to confirm the email and fax had been received. I spoke to a different " XXXX ''. She confirmed the email had been receivedand that XXXX XXXX XXXX would be calling me back. I 'm still waiting. On XXXX XXXX, 2015 I received a call from a person named XXXX from FF. She stated FF could not give the extension because I needed to show that I had " all '' of the money to purchase the home. In other words I needed to have {$350000.00} before they would grant the extension. I told her I was n't stupid and I know darn well I do not need and extension if I have cash to pay for the house. This stupid conversation continued until I just hung up. I called back. Asked for XXXX XXXX. I was told she was not available and would call me back. On XXXX XXXX, 2015 I received another phone call from " XXXX ''. He said FF had received my emails but they could n't grant the extension because they could not open the file of XXXX pages because it was too large. I was just in disbelief. I told him I had also faxed a copy and knew they had received it and that copies were mailed certified with returned receipt ( that has already been sent back ) and to please have someone call me to discuss the extension. I 'm still waiting.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-02

Baltimore, MD

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Santa Monica, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-31

Rochdale, NY

Loan servicing, payments, escrow account

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

Matteson, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-27

Carson City, NV

Application, originator, mortgage broker

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-26

Southfield, MI

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Gloucester City, NJ

Application, originator, mortgage broker

Mortgage: Reverse mortgage

Complaint: I am very disappointed that the CFPB did not help to resolve this fraudulant loan. # XXXX between XXXX XXXX and XXXX, FF ( AKA ) One West. Case # XXXX with CFPB.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Columbus, OH

Loan modification,collection,foreclosure

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Jupiter, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I was charged a fee both when I spoke with XXXX XXXX, and XXXX XXXX, who overnight changed the mortgage number, and gave the file to IndyMac mortgage service, who after XXXX cleared the way for everybody to remain in their homes charged another modification fee. I agreed in order to keep a home whom was not built by these people but my mother.
Company Response: Closed with explanation

Disputed: Yes Timely Response