Accredited Home Lenders Complaint
February 16th, 2011

I tried repeatedly to have them adjust my loan to what the house was worth with no results. They said the new Obama laws did not apply to them. the house was appraised at 110,000.oo dollars and when the housing market fell it was only worth about 60,000.00. I could have gotten a loan for 65,000.00 to buy my house from them, but they would not take it. They forclosed and sold it thru a realtor fo 59,000.00. They would not even talk to me about selling it to me. They used their own appraisel people to set the original value but when the housing market fell they refused to adjust the fair market value for the house

Posted in Accredited Home Lenders

Bank of America Complaint
April 22nd, 2011

Bank of America has caused me stress and anxiety attacks, high blood pressure and suicidal thoughts!

Posted in Bank of America

Countrywide Complaint
February 16th, 2011

I FIND IT VERY CONFUSING AS TO EACH ENTITY NAMED AS: LENDER, TRUSTEE, BENEFICIARY,ETC. BANK OF AMERICA WHO TOOK OVER THE LOAN FROM COUNTRYWIDE HAS PURPOSELY LOST OUR APPLICATION FOR MODIFICATION, THEN IT WAS BEING REVIEWED BY UNDERWRITERS, AND SO ON AND SO ON NOW WE HAVE 2 WKS. TO GET OUT OR THEY WILL LOCK US OUT WITH KIDS, PETS AND ALL.

Posted in Countrywide

HSBC Mortgage Corp. Complaint
February 16th, 2011

I have written many letters, made many calls about a short sale of the properties and the bank has turned down 2 offers and stated that they wanted more money and we got an offer for the amount the bank stated and the bank did not respond in 9 mos. so the buyers have backed away because that saw that the property is being offered at the SHERIF\'S SALE and feel that they can purchase it for less.I believe the bank has been deliberate in not acting in good faith.

Posted in HSBC Mortgage Corp.

Alabama Bank of America Complaint
July 22nd, 2012

Bank of America, Has been hard to work with, They sent us to case worker that you can\"t get intouch with to fix your problem they just push off like no problem, and your the that gettes the noties of foreclosure,Expenses. They don\'t try to work with you at all,all they want is your house so they can sell it. The heck with you

Posted in Bank of America

Alabama Flagstar Bank Complaint
December 20th, 2012

My original loan was closed in 2007. I was approved for a loan modification in 2012. In late November 2012 I was sent modification papers listing not only my home and lot the original mortgage was placed on (in the original legal description), but also an adjoining piece of property I own. On 12/04/2012, I was informed by Flagstar that my mortgage had been refiled in 2010 (without my knowledge or any notice whatsoever), encumbering adjoining property that was NEVER a part of the original application, appraisal or mortgage. It appears that in 2010, the bank altered the original legal description, striking the original description from the mortgage, adding my other property and refiling the mortgage. I cannot emphasize strongly enough that at no time was my adjoining property ever a part of the original loan process in any way, shape or form. The home (which I personally built from the ground up), even with the downturn in the economy has always been more than adequate collateral and value to secure this 1st mortgage. This deceptive action by the bank was done behind my back without any notice, approval or consideration to me. I believe this was a deceptive and fraudulent act and wish to persue a claim against the bank immediately.

Posted in Flagstar Bank

Arizona Countrywide Complaint
September 18th, 2011

They auctioned the property while I was a prolonged MHA trial mod.

Posted in Countrywide

Arizona Indymac Bank Complaint
February 24th, 2011

Is there any type of class action law suit that could brought against the banks for the drop in home values that they have created. I am one of the homeowners who put down 20% and qualified for the loan through proof of income and all the necessary documents. When I lost my job I called the folks at Wells Fargo for help. They told us that we needed to default on the loan before they could help. Loan Modifications do not work the program is a dismal failure. I will not elaborate I am sure you have heard all the stories. However, the banks made bad loans and then have foreclosed in mass on these loans. The results an over supply of homes and a corresponding drop in values (40-60%). Here is the rub, I cannot get a loan mod, they refuse to drop the principle, they put the home in foreclosure. Selling the home (one of my best assets) short is the only option. Net result--after 40 years of excellent credit my credit is destroyed, I have lost around $400,000 in equity and the banks got bailed out by the White House administration. At some point our judicial system should have to hold them accountable for the true breach of their fiduciary responsibility.

Posted in Indymac Bank

Arizona Ocwen Federal Bank Complaint
December 17th, 2011

Ocwen is very tough to deal with ~ if you are the battling them alone. Ocwen needs to be pressured with imminent BK threats or mediation law procedures. They are basically a giant collection agency. They purchase the distressed mortgages at extreme discounts and collect aggressively. They do not play by the rules and need to be pressed hard. We have completed many successful loan work out cases with Ocwen ~ they are all long run & brutal battles. Feel free to visit our website for further details on avoiding a Pending Sale Date. www.FreshStart-MortgageSolutions.com or call 1.877.297.7011

Posted in Ocwen Federal Bank

Arkansas Chase Home Finance Complaint
April 5th, 2011

We have been trying to get a loan modification since July 2009. We have been running circles w/ Chase ever since. They always say \"send more info\" or \"we can\'t find your docs\" or \"yes, we have everything we need, your modification is in process\" Then when I call to see how things are going, they come up w/ some crazy excuse as to why they can\'t go through w/ the modification. Just recently, I was informed that they denied our modification b/c they didn\'t receive they info they needed on time. I sent everything to them within a cpl days of their asking for it. Now, they tell us that we have to pay $12,000 down and almost $1600 a month to get caught back up. That\'s almost twice our original monthly payment! How can they expect us to make those payments? I feel like they\'ve put us in a whole that we can\'t get out of. And all b/c I asked for a lower interest rate and more affordable payments.

Posted in Chase Home Finance

California Accredited Home Lenders Complaint
December 21st, 2011

My lender is bank of America

Posted in Accredited Home Lenders

California American Home Mortgage Corp. Complaint
April 29th, 2011

deceitful, lied to me, led me on.

Posted in American Home Mortgage Corp.

California Aurora Loan Services Complaint
July 26th, 2011

I\'ve done all the communicating.When they say that they will call,they don\'t. Aurora does everything in their power to not qualify you for a Loan Modification.I\'m at the end of a temporary trial payment (6 mo.)(FB), in which I have made every payment,and still no word. They have a complete package that is in review,but you get the sense that they are just prolonging everything so that you fall deeper behind.They denied me the HAMP(and did not even notify me,(and are seemingly on their way to denying me a Traditional). They are not helping ANYONE.I\'ve not heard of ONE PERSON that has had Aurora help them in any shape ,form or fashion .

Posted in Aurora Loan Services

California Bank of America Complaint
March 13th, 2011

I have made all payments on time on both the old amount and the new modified amount. Not one time late. I qualified for modification and met all terms. B of A cant explain why they posted money to reserve account. Im getting nowhere with B of A. They are going to start forclosing very soon

Posted in Bank of America

California Beneficial Complaint
August 31st, 2012

Asked for a modification they said maybe then they asked for paystubs etc and gave a 6 month mod then decided they did not or have to continue because they did not receive TARP. Said they were going to foreclose causing us to file bk. First chp 13 and one yr later went to chp 7 because income was reduced.

Posted in Beneficial

California Chase Complaint
March 1st, 2011

I have been trying for more than 24 months & was in process for modification on my home loan w/wash.bank .. but after chase bought wash.bank we had to start the modification process all over again. Have completed all request of paper work making sure to take paper work to the bank for processing and they still seem to loose paper. unable to talk with the same person regaurding this matter no one seems to know whats going on and unable to give answers to my questions my home has been placed in forecloser these problems are beyond belief so the process seems to be a never ending story from Chase ..this last time of my attempt i received a letter informing me that my income was the problem infact my income was fine looking over the paper work whom ever processed my claim stated that my income was $900.00 less than it really was i was given 30 days to reply to this letter and i have done so. my lawyer cant even understand whats going on as they look over the hundreds of form that have been processed w/ chase now i have a sale date 03/23/2011 on my home and having to file bankruptcy trying to save my home there seems to be no accountability for chase here our gov. us the pepole tax payers are paying the banks to help w/ modifications and yet this really just seems a way the bank are able to gain without completion of helping the home owner with modification.

Posted in Chase

California Chase Home Finance Complaint
March 7th, 2011

I was served a Notice of Default today. I have never missed a payment. They adjusted the escrow acct up $900 a month and are forclosing because they can\'t get it straighted out. The escrow account should be $200. They have been applying our payment to this mystery escrow acct

Posted in Chase Home Finance

California Citimortgage Complaint
July 28th, 2012

Attepting to have Citibank place me on th e \"Save your home California\" program for six months, now the person assigned by Citibank is unreachable. I have submitted all documentation (twice), and have never heard back, I\'ve sold everything to cover my mortgage, and get a call (from Citi) what are these deposits to your account? Which was the last I heard from them, constant e-mails are left unanswered, calls are placed in a round-about. I qualify under all laws regarding this relief, is CitiMortgage?

Posted in Citimortgage

California Countrywide Complaint
February 23rd, 2011

It would take far too long. It has been one of the worst experiences of my life.

Posted in Countrywide

California EMC Complaint
July 10th, 2011

Awful horrible .

Posted in EMC

California GMAC Mortgage Complaint
August 22nd, 2011

My loan problems is with the modification they gave me. The payment on my first statement was different from the amount on the modification agreement. The new payment ended up being more than the payment before the modification

Posted in GMAC Mortgage

California HSBC Mortgage Corp. Complaint
May 20th, 2011

As you will see I tried to suit my lender on my own an because I did not know all about the law my case was dismissed due to non responsive demera

Posted in HSBC Mortgage Corp.

California Indymac Bank Complaint
December 29th, 2011

I have attached information regarding this loan. It was a fradulent loan that should have never happened

Posted in Indymac Bank

California Litton Loan Servicing Complaint
March 22nd, 2011

In 2003 I obtained from Fremont Investment & Loan a refinance loan for my property located in Ca. Fremont is listed as Trustee. MERS was listed as a separate corporation acting solely as a nominee for lender as well beneficiary.In November of 2003, transferred or acquired by Litton Loan Servicing. In August of 09, I became 91 days delinquent on my mortgage payment. Friday July 31 2009 was the 90th day late. On July 27, 2009 I spoke to a Litton representative regarding my upcoming pmt. I asked specifically that if payment was received late would foreclosure be automatic. She answered no, that it depended how quickly the foreclosure dept processed it. I made an online pmt to Litton on (Saturday) Aug 1, 2009. Although payment was acknowledged, received and accepted Litton Loan began foreclosure proceedings.Due to these circumstances I immediately began the loan modification process as instructed by Litton. On Sept 3, 2009 I received a check from Litton in the amount of my last payment along with a letter instructing me to save this for my loan modification pmts. In Sept of 2009 I engaged the services of Financial Hope for America to help me with the loan modification criteria and documentation submittal process to Litton Loan, as I felt they were not to be trusted. In Feb 2010 I received from Litton Loan a “Loan Workout Plan”. The agreement stated that among other things, I was to make 3 trial payments of $1756.01 commencing on 3-1-2010 and continuing until 5-1-2010. I went on to make 7 trial payments. As recently as 8-31-10, the date of my most recent payment, it was communicated personally to me by the Litton representative that no documents were required at that time and that my modification was still under review. As I did each time I called Litton, I expressed my concern as to the length of time the review process was taking, especially in light of the fact that it was only supposed to take 3 months. Also during the time of this ongoing process Financial Hope for America helped me comply with Litton’s requests for documents and a log was kept of all communications with Litton Loan Servicing. As stated in their loan workout plan to me, if I completed the necessary steps and met the criteria, the lender would provide me with a Modification Agreement. The fact that I advanced thru their system to the point that I was allowed to make trial payments is in itself evidence that I met the criteria. I provided all requested and required documents in a timely manner. Never did I miss 3 straight monthly payments. The late pays accumulated over time. The events that led to this are documented in the “Hardship Letter” that was sent along with other requested information to Litton Loan. In June of 2010, Litton Loan sent Chandler Kapoor from Titanium Solutions (google this company to my home to collect needed documents. It appeared to me that his real purpose was to gain access to my home and to persuade me to short sale. The documents he collected, IRS form 4506-T and Hardship Affidavit, were previously supplied to Litton.On September 14, 2010 ClearVue Opportunity XV, LLC, purchased or otherwise acquired my loan from Litton Loan.My last conversation with Litton Loan was on Sept 13, 2010. At that time I was told that the new servicing company, FCI Lender Services, would continue the modification process that was already begun. I believed that I was working in good faith with Litton Loan to obtain a loan modification in order save my home. In speaking with the FCI representative on September 16, 2010 I was told that ClearVue does not do loan modifications and my sale date of September 20, 2010 would not be delayed. Subsequently they postponed the sale date of my home for 7 days to further review my situation.In a letter dated Sept 22, 2010 Waterfall Victoria Master Fund claims that they have acquired my loan and are the new creditor. On or about Sept 24 I spoke to ClearVue. Opportunity, LLC. He said that the letter from Waterfall Victoria Master Fund was a mistake and they had done this before on some Litton loans. He conveyed that his company was the true owner with authority to negotiate. He explained to me that his company purchased a block (about 350) of distressed loans from Litton. He confirmed that there was not a set price paid for my loan because the loans were bundled and purchased as a block. He further stated that ClearVue was not set up to service loans or do loan modifications. He offered to sell me my note for $210,000.00 - $219,000. range (according to him my balance is $259,000.00). I have since been forced to file for bankruptcy and hire an attorney.It is my belief that I was defrauded by Litton Loan, ClearVue Opportunity XV, LLC , MERS and Waterfall Victoria Master Fund. Litton certainly knew that my loan was being sold while they continued to accept my trial payments. Litton fraudulently led me to believe that they would modify my loan as stated in their “Loan Workout Plan”. ClearVue Opportunity, thru it’s servicer FCI Loan Servicing, state that the terms and conditions of my loan would not change. My back payments went from $7,000.00 in August 2009 to more than $29,000.00 to date because Litton would not accept my payments. I have been waiting for an answer from Litton for a permanent modification for over a year. They did not grant nor deny me a permanent modification. They simply sold my loan while I was in “review”. The false hope of a loan modification was a ploy used by Litton Loan to inflate my bill to such an amount that I could not pay and thereby effectually steal my home. I contend that Litton Loan, MERS, Waterfall Victoria Master Fund and ClearVue Opportunity acted in collusion to defraud me and possibly others for financial gain. The fact that my loan was sold for less than owed leads me to believe that it has been paid in full through some insurance, Federal bailout or other scheme used by Litton and it’s investors. Litton Loan violated the FDCPA by telling Titanium Solutions about my debt and by using deceptive means (hiring Titanium) to obtain personal information. If Litton would have kept their word and acted in a timely manner, other options would have been available to me (i.e.: forbearance plan). This was clearly not their intent.

Posted in Litton Loan Servicing

California New Century Financial Now Carrington Mortgage Services Complaint
March 3rd, 2011

I recently discovered that when cms modified my loan that it wasn\'t a 30yr fixed, but a 40yr with a balloon payment at 30yrs. I also never received any paperwork from cms when they took over the loan from new century.

Posted in New Century Financial Now Carrington Mortgage Services

California Temecula Valley Bank Complaint
October 27th, 2012

TVB made this loan, and over $5,000,000 in additional loans, based primarily on a long term, 20 years plus, personal relationship between us. The bank is currently being sued for their part in creating a $3,800,000 loan where I used someone else’s property as collateral. There were no loan applications or other normal borrower documents that a bank would use in their due diligence. I paid an extremely high interest rate for their “special” services. I tried to get the same type of loans with other major banks. No other bank would even consider making these types of loans to me. The TVB loan was made with the same special understanding that the TVB bankers and I had been operating under for the past 20 years. This was not the typical “qualified” homeowner loan. This short term loan was made with the clear understanding that TVB would continue to renew this LOC each time it became due so they could collect more points and fees. TVB set my loans up to be an exceptional money maker for them. TVB gave away their solid, proven lending criteria so they could make more money.

Posted in Temecula Valley Bank

California US Bank Complaint
July 29th, 2012

US bank home mortgage is not granting me HAFA program that I qualify for, as advertised on their web site. They instead charged me lots of illegal fees and presented deceitful staements and falsified documents to BK13 court in order to gain power to foreclose on my property. I earn enough income to pay for my mortgage, if approved for the program below. Hardship Loan Modification This option allows you to roll interest and escrow shortage from delinquent payments into the existing loan. You may qualify for an interest-rate reduction to have the term of the loan extended. This option may work for you if: You can afford your regular monthly payment or a slight increase in your payment, plus other monthly expenses. You don’t have substantial funds left at the end of the month.

Posted in US Bank

California Wachovia Bank of Delaware Complaint
November 18th, 2011

Originally woodcarvings pickapayent tried to get mod for 3 1/2

Posted in Wachovia Bank of Delaware

California Wells Fargo Complaint
August 30th, 2011

They put a notice on my front door that my home was being foreclosed in January. I called Wells Fargo and talked to their manager. He said he would stop the foreclosure. He did not and my home was sold in January. WF took back the home and worked with me on a HAMP. They disapproved my application and resold my home to the original buyer in August. I am still living there and WF has never actually tried to work with me.

Posted in Wells Fargo

Colorado Bank of America Complaint
March 15th, 2011

To whom it may concern: 12-2-2010 My name is Greggory Reimer I have a home loan with Bank of America and I have been working with the loan modification department with the Bank of America since June of 2009 I have provided them with every document and all the information they ask for. BOA has given me to run around for almost 18 months, I talked to at least 20 different people. I have a list if you need it. BOA clams to have lost, misplaced or can’t find my paperwork on 3 different occasions. They have gone as fare as trying to foreclose on my family home. I had to hire a lawyer to stop that process or at least put it on hold. I feel BOA has lied to me about my paper work and they have caused more stress on me and my family than you can ever imagine, I was never late on a payment. Finally I got BOA all the paper work they needed and they set up a escrow account at that time BOA told me that I was preapproved for the loan modification, BOA told me my new payment would be $1736.00 this amount would include principle, interest, taxes and insurance. BOA told me to start making trial payments that for some reason were not applied as payments, they told me to pay $1500.00 per month until I received a trail payment packet, this packet would include three trial payments for $1736.00. BOA told me at that time I was preapproved for the loan modification, and if I made the trial payments on time for the next three months, I would be approved for the loan modification. I called BOA every day about the packet. BOA kept telling me they had received so many applications that they were just behind, I should be receiving the packet by FedEx any day, I never received that packet. Then from BOA, I received a loan modification agreement for $1833.49 that I signed and returned, and I started making the new payment on March 1st 2010 and the next payment on April 1st 2010, BOA sent my checks back and said they needed to be certified funds so they couldn’t except them, I said there is know were in this agreement that states that I had to send certified funds. They had no comment, so I asked for a manager and then she said I didn’t qualify for this program. I said read the agreement I signed, there is no question about qualifying. This is a modification Agreement sent to me by BOA, this agreement states that if I agree to the terms of the agreement I need to sign and return by March 1, 2010 witch I over knighted two days before. At that time BOA told me once again I had to start over, they no longer had my paper work. So I faxed every thing again. I called several times and I was told I should be hearing something soon. After 6 months I was finally contacted. BOA once again can’t find my paper work, I can’t believe this!!! I started complaining about all BOA has put us through I told about the modification agreement I signed and returned, see put me on hold to look for this document see returned to the line and said she had found it in your file, see then emailed it to me. And then see said make sure you received that signed agreement in your email this is in your benefit to have and you should dispute this with BOA, I also find this very hard to believe this was the only thing she found in my file when I had sent at least 40 pages before I signed that agreement and at least 10 after? So my lawyer advised me to send you this letter. What can we do about this. It’s so wrong what BOA is putting us through, all of this can’t be legal, and I’m sure, I’m not the only one. Thank you for your time, Gregg Reimer

Posted in Bank of America

Colorado Citimortgage Complaint
April 26th, 2011

When I contacted Citimortgage I was told I was approved for mortgage assistance even after Citimortgage purchased my property on October 22, 2010. I still get calls from Citimortgage saying I\'m elegible for loan motifications.

Posted in Citimortgage

Colorado Countrywide Complaint
December 22nd, 2011

Filed bankruptcy to avoid forclosure. Countrywide initiaed a bad unfair loan loaded with fees, PMI and more excuses to get the price up. My payment was $2323.23 with Countrywide. 6 months after I got that loan, I refinanced (costing me $10K) and got my payment lowered to $1650. I wrote Countrywide to layout how I was discriminated against. They ignored me for a year until I wrote the Attorney General. Then then wrote back and denied any wrongdoing. However, their response acknowledges all of the discriminatory practices such as raising my interst rate from 8.5 to 9.4% due to fees - and more.

Posted in Countrywide

Colorado GMAC Mortgage Complaint
December 22nd, 2011

their a pain in my ass. disorganized. different story from each operator.

Posted in GMAC Mortgage

Colorado NationStar Mortgage Complaint
April 16th, 2011

VERIFIED COMPLAINT FOR WRONGFUL FORECLOSURE AND JURY DEMAND Introduction: This complaint alleges inter alia that Nationstar Mortgage wrongfully foreclosed on real property commonly known as 81 Greystone Trial, Black Hawk, Colorado, 80422. Specifically, Nationstar repeatedly and falsely told Plaintiff that his loan modification was either in-process or had been approved, failed to inform plaintiff that his loan-modification application had been denied, and that this failure prevents plaintiff from exercising legal rights, including but not limited to, Chapter 13 bankruptcy, that would have allowed him to retain title to his home, which he largely built with his own hands. Plaintiff, Keith Cabaniss, pro se, for his complaint against Nationstar Mortgage, swears and affirms that: 1. Defendant, Nationstar Mortgage, is a national mortgage lender that has transacted business in the state of Colorado. 2. Plaintiff, Keith Cabaniss, is an individual who resides in, and previously owned and occupied real property located in Gilpin County, Colorado. 3. The real property that Cabaniss previously owned has a common street address of 81 Greystone Trail, Black Hawk, Colorado, 80422 (the “Home”). 21. Thereafter, Nationstar called Cabaniss and informed him that SMP had been cancelled, and Cabaniss would instead enter a Trial Period Plan under the Home Affordable Modification Program (“HAMP”). 22. Cabaniss entered HAMP in August 2009. 23. HAMP requires that applicants complete a three month trial period by making the payments that would be required under a proposed modified loan terms. If a HAMP participant makes these required trial-period payments, the participant’s loan may be modified to reflect the trial-period’s payment terms. 24. Cabaniss timely made his August and September payments under HAMP. 25. Cabaniss pre-paid his October HAMP payment with his September payment. 26. In September of 2009, Cabaniss called Nationstar to ensure that it had received his August, September, and October HAMP payments. 27. By timely making his August, September, and October payments to Nationstar, Cabaniss successfully completed the HAMP trial period. 29. Nationstar confirmed to Cabainss that (a) it had received his August, September, and October HAMP payments; and (b) it was sending his plan to another Nationstar department to draft new loan documents for Cabaniss’ new and modified HAMP loan. 30. Cabaniss’ HAMP loan-modification application was denied on or about Septmber 28, 2009. 31. On or shortly after Cabaniss’ HAMP application was denied, Nationstar knew that Cabaniss’ HAMP application had been denied. 32. Nationstar did not notify Cabaniss that his HAMP application had been denied. 33. Nationstar was required to notify Cabaniss that his Hamp application had been denied. 34. Cabaniss did not receive new HAMP loan documents from Nationstar. 35. Cabaniss did not make further payments to Nationstar while he was waiting to receive his new HAMP loan documents. 36. Nationstar consistently told Cabaniss that his new, modified, HAMP loan documents were in progress. The communications between Cabaniss and Nationstar, include, but are not limited to the following communications: a. Cabaniss called Nationstar on December 10, 2009, and informed it that he had not yet received any new, modified, HAMP loan documents. Nationstar informed Cabaniss that it was \"still working to prepare new loan documents, could take another month.\" b. Cabaniss called Nationstar again on January 26, 2010. He informed Nationstar that he still had not received the new, new, modified HAMP loan documents. Nationstar told Cabaniss that “everything is ok.” c. At the time Nationstar made the statements in the immediately preceding paragraphs (a) and (b) to Cabaniss, Nationstar knew that these statements were false. 37. On or about four days after the January, 26, 2010, telephone conversation in which Nationstar told Cabaniss that “everything is OK,” Nationstar set a sale date for the Foreclosure. 38. The Gilpin County Public Trustee held a Public Trustee’s sale of the Home on February 25, 2010 (the “Foreclosure Sale”). 39. February 26, 2010, was the last date on which Nationstar could schedule the Foreclose Sale without having to file a new action to request a Public Trustee Sale of the Home. 40. At the time of the Foreclosure Sale, Cabaniss had no notice that Nationstar intended to continue with the Foreclosure. 41. Prior to the Foreclosure Sale, Nationstar provided no notice to Cabaniss that Nationstar had set the Foreclosure Sale, or that Nationstar otherwise intended to proceed with the Foreclosure. 42. Cabaniss learned of the Foreclosure Sale on March 3, 2010, when he discovered a notice that Phil Heter, a Denver-based repossession/eviction processor and REO broker, that Fannie Mae now owned the Home. 43. If Cabaniss had had notice of the Foreclosure Sale, he would have been able to exercise legal rights, filing a chapter 13 bankruptcy petition, which would have allowed Cabaniss to prevent the Foreclosure Sale and keep the Home by restructuring his debts and becoming current on the restructured Note over time. 44. After Cabaniss learned of the Foreclosure sale, he again called Nationstar. On March 9, 2010, Cabaniss spoke with Thomas Brown of Nationstar. Cabaniss asked Mr. Brown to have Nationstar rescind the Foreclosure Sale because Nationstar had (a) failed to provide Cabaniss with any notice that it was proceeding with the Foreclosure Sale and (b) had made multiple misrepresentations to Cabaniss regarding the status of his HAMP modification and of his Note to Nationstar. 45. Brown and Cabaniss went through Nationstar’s records of the communications between Cabaniss and Nationstar. 46. Brown stated that Nationstar’s records of its communications with Cabaniss comported with Cabaniss’ own records of these communications, which are reflected in the preceding paragraphs of this Complaint. Brown also confirmed that Nationstar had not notified Cabaniss of the Foreclosure Sale or of that Cabaniss’ HAMP application had been denied. 47. Despite his concurrence with the facts as Cabaniss presented them, Brown and Nationstar refused to rescind the Foreclosure Sale. More specifically: a. Cabaniss asked Brown, “What Happened?” b. Brown responded, \"Something transpired.\" c. In response to further questions from Cabaniss, Brown would not reveal what transpired, refused to rescind the Foreclosure Sale, stated that he was going to terminate the telephone call, and then hung up. 48. On May 17th, Cabaniss held a conference call with Geraldo Hernandez of Nationstar and Jeff Plaine of Money Management (a HUD-certified loan counselor). 49. During this May 17th conference call, Hernandez again affirmed that: a. Nationstar’s records of its communications comported with Cabaniss’ own records of these communications, which are reflected in the preceding paragraphs of this Complaint; b. Nationstar did not notify Cabaniss that his HAMP loan-modification application had been denied. c. Nationstar did not notify Cabaniss of the Foreclosure Sale date or that Nationstar was proceeding with the Foreclosure Sale. 50. On May 20, 2010, Cabaniss spoke via telephone with Chelsea of Nationstar Mortgage’s legal compliance department in Dallas, TX. He asked why Nationstar proceeded with the Foreclosure Sale despite having informed Cabaniss that “everything is OK.” a. Chelsea responded that there had been a \"miscommunication between [Nationstar’s] Loss Mitigation and HAMP department[s].\" b. Thereafter, Cabaniss asked Chelsea \"Why am I being held accountable for miscommunication within Nationstar?\" c. Chelsea responded, “There is no explanation.\"

Posted in NationStar Mortgage

Colorado Wells Fargo Complaint
March 8th, 2011

We fought in federal court for RESPA, RICO & TILA and fraud about them selling our loan and getting paid off a number of times. The did not possess the original note and the judge didn\'t care. Forced out of our home. Now Bank owned and under contract for $444,900

Posted in Wells Fargo

Connecticut Option One Complaint
October 23rd, 2011

After the Closing it was switched to several servicers and we never heard from them again.AHMSI gave us a modify agreement then breeched it .Our taxes were not paid that was in escroll from the start and we were given a runarround.We were forced to have them add over $10,000. to our loan or lose our home.When the higher payment became to high and my husband went in for 3 heart surgerys they refuse to adjust the payment.I was told to get a payment in & they would help.In stead they filed for foreclosure.After reciving the funds. They would Harrass us every day .some times 3 to 10 calls a day every day.After they filed to forclose they transferred it to Saxon Mortgage -servicing.Saxon claims Stanley Mortgage Capital owens the mortgage.Saxon sends people to our home 3 times a week.HSBC US NA. Association has filed to forclose that they are the holder of the note.This was by the request of AHMS Inc. Wellsfargo sent us a release of lean and mortgage after the closing signed by Linda Green as vice pres. in GA. We have been abused and robbed of our home investment and now they are trying to take the home .This is nothing but Racketeering .Our credit has been distroyied over what was done to us.We bought our home in 1993. There are many involved here in CT. and covering up.We went to HUD approved counseling at Catholic Charties to find out that the counsler was related to one of the people involved.He then gave us a different loan form to make out and did not even look at the ones he had us already fill out .Then he played a disappering act. PLEASE

Posted in Option One

Connecticut PHH Mortgage Complaint
May 29th, 2011

over 9 months delaying a Hamp application

Posted in PHH Mortgage

Florida American Home Mortgage Corp. Complaint
October 10th, 2011

I had numerous calls from California stating in order to reduce my monthly paymenst I had NO choice other than to use American Home Loans, when I decided to use my credit union to change mortage companies I had to pay off a large amount of prepayment funds which the title company told me was wrong to do. This happened many years ago until I recently was told about the pratices of Am. Home Loans and lawsuits against company

Posted in American Home Mortgage Corp.

Florida Aurora Loan Services Complaint
July 10th, 2012

LENDER WAS FIRST MANGUS none of the documents were witnessed nor notirized. the names of the so called attached notirizations are completely ilegibleattached page after the unwitnessed unnotarized unoriginal note had only one thing on the page...without recorse, pay to the order of First Magnus financial corporation an arizona corporation...First Mangus Financial corp Rochelle Livesay, Shipper the MERS NUMBER has been blacked out on the copies filed with the court, we didnt recieve any of it until it was all said and done, the recently they dismissed the summery and then amended it to ask the court to ban us from responding in any way and it was granted becuase we didnt get a chance to respond, we were told after the fact, by regular undated mail. Now arora has a recording stating there business no longer exists and servicing is being done by nationstar and they give this number which is just a busy signal no recording nothing so they are a dead end.8773720512 try it for yourself

Posted in Aurora Loan Services

Florida Bank of America Complaint
August 12th, 2011

I was forced into bankruptcy, which was completed earlier this year. I have already lost my home to foreclosure 2010. I wish to be included in a class action lawsuit, as I believe the original interest rate I was charges was much higher than it should have been. My credit score was above 700 before I lost my job. Interest Rate was 9%

Posted in Bank of America

Florida BB&T Mortgage Complaint
May 7th, 2012

Our original mortgage holder was Lendmark Financial,It was \"purchased\" By BB&T.At that pont over 3 years of misinformation, lack of communication, increased payment amounts,escrow account,over insured property cost,refusal to accept a payment or to give me a pay off of Loan amount they would accept, referred me to their attorneys, where all I ever spoke with was a receptionist who refused to transfer me to anyone,They never returned my calls or email.Did not contact me til foreclosure filing, BB&T has tried multiple attempts to force us to accept a short sale, But refused any attempts to reconcile the matter.

Posted in BB&T Mortgage

Florida Chase Complaint
July 11th, 2012

I was solicited by Chase to refinance my existing loan. they offered 0 cost 0 fees and low documentation close in 30 day loan for \"good customers\" as Chase Rate Reduction Program. I never received my executed loan docs at closing which ate up my 3 day recision right period and now they have added $700+ principal to my loan as a fee that no one can explain. My address that they had on file since 1993 (oringinal Wamu loan they took over) was changed and all my docs were sent to the wrong address. I have personal documents floating around Florida. No one knows where they are. Now my title papers are wrong and they want me to pay the fix thier mistake. I was told that if I want my loan balance lowered back to the original number I would have to get a lawyer and sue them. and on top of all that... it\'s a HARP loan...not advertised as HARP. I was told it was HARP after they got me hooked in. The HARP program said any lenders doing a HARP loan MUST advertise it clearly. I have contacted at least 5 people at Chase who said they would be my point of contact only to drop me in the wind and not return my calls.

Posted in Chase

Florida Chase Home Finance Complaint
August 31st, 2011

CHASE FORECLOSURE MY PROPERTY IN A MIDDLE OF A MODIFICATION PROCEDURE,AND WITHOUT THE NOTE.

Posted in Chase Home Finance

Florida Citimortgage Complaint
January 14th, 2012

Was never notified (other than a guy showing uo today and said that Fannie Mae now owns my house: here are your options). Buy iy/Move

Posted in Citimortgage

Florida Countrywide Complaint
December 21st, 2011

they have been doing something with the payment of $922.59 and showing me as sometimes up to 90 days, late. also when they first took over country wide, they turned me over to the credit and made my credit score drop so I can not possibly get a refinance with a lower finance rate. Even BOA that I tried to get a loan from, denied me.

Posted in Countrywide

Florida EMC Complaint
June 29th, 2011

My experience with EMC mortgage company is consistent with what you have stated on your website. We continue to struggle with achieving any assistance after several attempts at modification. EMC loses documents, passes calls to several different misinformed people, cannot properly identify my account infomation, sends threatenting letters and calls several times a day when I had been paying an extremely high amount per month as a \"pre modification arrangement\". I am paying for a home which is worth next to nothing now but the mortgage continues to increase. They have ruined my credit. Despite our diligent efforts, we have settled nothing. Home ownership is not worth the trouble of dealing with the criminals of EMC mortgage company.

Posted in EMC

Florida GMAC Mortgage Complaint
December 22nd, 2012

I CALLED TO ASK ABOUT A FOREBEARANCE BUT THEY SAID WE WERE NOT ELIGIBLE AT THE TIME. THEY SAID WE HAD TO BE BEHIND ON OUR PAYMENTS WE WERE TRYING NOT TO BE.

Posted in GMAC Mortgage

Florida Green Tree Complaint
January 22nd, 2012

Can not download files. Green Tree refuses to help me lower my monthly mtgg pymt. Been asking and complying with everything for the past 11 months. Their answers: for 4-5 \"we have not received documents\". Then \"you do not live in your own home\", then we can not help you with a \"forbearance\", then \"we can not help you with a modification, but if you send a check for $56000 then we\'ll see what we can do\", then we can not help you since there is no hardship in your life, you are up to date with your payments. I am borrowing money every month to pay my bills, have work very hard to raise my credit but I don\'t even have money to pay for my childre\'s school. Why can\'t they lower the rate so the monthly pmts go down. Is that too much to ask nowdays. The house is worth less than the loan. Please help!

Posted in Green Tree

Florida Homecomings Financial Complaint
March 24th, 2011

I am already involved in a state class action law suit,but would certainly need as much info as possible to better informed .Just look up my name and GAMC and it should show!

Posted in Homecomings Financial

Florida Household Finance Complaint
May 9th, 2012

Was threaten with foreclosure serveral years ago, has liquidated all of 401K to them from taken our house. Despite our effort to find a permanent loan modication resolution. As I am a disable vets,I do want a hands out, just chance to lower the interest rates. During our hardship, HFC keep tacking fees and penalties and labled it as defered interest in the amount of over 10K. Each time we kake a good faith payments less the mortgage amount, it would going to the black hole called un applied funds, this is fees and penalties would be asset until the fuul of mortgage payments. Out of the $1493.29 monthly payments, 1293.50 would be in interest and the rest are applied to principle. our home now worthless than when HFC appraised at 200K in 2006. All I ask HFC to grant me a permanent loan mods and lower the interest rates. For the record, we are not a dead beats, we just want be able pursue the American Dreams, I\'ve serverd faithfully 21 years to my beloved country and have lived in this home for 23 years, I do not want see it taken away. The bottom line is that I want to some behind for my spouse and my childrens, with a services connected disabilities and my days are numbered. I do not want sympathy or pitty just a chance to our homesand repay debt obligations. Thank you, Semper Fi

Posted in Household Finance

Florida Indymac Bank Complaint
March 14th, 2011

In 2008 I refinanced my mortgage to accomplish 2 things consolidate 2 into 1 and to get some extra cash out for a family emergency. I was able to pay my mortgage until escrow went up due to an error in the collection for taxes and insurance. I applied for a forbearance and made 2 of the 3 payments, but couldn\'t make the 3rd on time due to a payroll error and everyone in the company got paid late I explained this to them and they did not want to hear it. Since then I have been fighting to get a modification, but keep getting the run around.

Posted in Indymac Bank

Florida NationStar Mortgage Complaint
August 11th, 2012

I have been charged late charges and I have not been late. They have also set up an escrow account without telling me and put my last mortgage payment there and told me I never payed my mortgage. I am current on my property taxes and have always payed them on time every year. I am lied to, passed around, faxed papers get lost, I feel like they are trying to take my house.

Posted in NationStar Mortgage

Florida Ocwen Federal Bank Complaint
March 31st, 2012

Now paying on a modified loan through Ocwen Loan Servicing

Posted in Ocwen Federal Bank

Florida Option One Complaint
August 27th, 2011

Our Judge Dismissed the case WITH Prejudice because the bank did not follow court orders.

Posted in Option One

Florida Washington Mutual Complaint
August 26th, 2012

Original Note signed with Watson Mortgage and immediately transferred to Washington Mutual in 2003. Assignements recorded with county clerk. In 2009 our payments were directed to JP Morgan Chase. No assignments recorded. HELOC loan made in 2005 with AmSouth. I have ch 7 discharge in 2011.

Posted in Washington Mutual

Georgia Bank of America Complaint
October 26th, 2011

The bank suggested that we do a loan modification. After sending over 60 pages of documents and 5 months later they denied our request because: \" you are current on your mortgage and therefore, not qualified for loan modification\" We stopped paying our mortgage as of September 1. We cannot simply afford our mortgage anymore.

Posted in Bank of America

Georgia Citimortgage Complaint
May 18th, 2011

I have been trying to get a home mod. with Citimortgage for over a year since I lost my job in April 2010, and all I keep getting is the run around. I send in all the paperwork they ask for and they just keep asking or losing the paperwork that I have sent to them. I\'m close to foreclosure and don\'t know what else to do.

Posted in Citimortgage

Georgia Ocwen Federal Bank Complaint
July 28th, 2012

Even though I have an escrow, Ocwen will not pay my insurance. They keep saying my account is not setup for escrow even though their records state I have more than enough.

Posted in Ocwen Federal Bank

Georgia Saxon Complaint
October 19th, 2012

I\'m upside down my loan has been sold to Ocwen which denied HAMP through NACA then modified my loan twice and says I dont qualify for HAMP also my loan is with a Private invester and was part of the Electronic Signature. over the last 4 years I have face foreclosure several times. I currently have a ballon payment at the end of approximately $180,000. I\'m upside down by $220,000. The Current value of my home is $170,000.

Posted in Saxon

Georgia Wells Fargo Complaint
January 11th, 2013

My case was back in aug. 2010. I recieved a letter to a group about a case action. I can\'t find the letter and the due date is coming up. I need to know if you have the case file pertaining to 208 Angus blvd. Warner Robins, Ga 31088

Posted in Wells Fargo

Hawaii Bank of America Complaint
April 8th, 2011

1st I did Bankruptcy Chp& in 2008, Then I didd a Qualified Written Request in Jan.2010, Bank none response so I did a Notice of Default. In January 2011 they asked me to apply for a Loan Modification. I responded Loan was Cancelledd, Rescinded, Revoked for Fraud and Non-Disclosure. Promissory Note recoded as SETTLED in Hawaii. Resent a TILA Request, plus numerous others. Non-Response.

Posted in Bank of America

Hawaii Countrywide Complaint
September 9th, 2011

Tried to sell home in short sale. For 18 months B of A kept losing documents. Finally denied short sale when getting more than $50,000 more than approved short sales. Did 200 hours research. No NOTE. Wrote Qualified Written Request. B of A not responding. B of A in non-compliance with Real Estate Settlement Act. Attorney said I have a right to sue.

Posted in Countrywide

Idaho Bank of America Complaint
January 24th, 2012

Bank of America has continued to try to forclose on my house. Three times in the last two years. Once during a loan modification, and the other two times by refusing some or all of my payments, and secretly sending the money back to me months later. The money that was sent back to me was addressed in a envelope that said nothing about a check enclosed, and no where on the envelopes did it say anything about it coming from bank of america. The money was also sent to a PO box that isnt even my mailing address. I have paid thousands in fees because of all of this just to keep my house from being forclosed apon.

Posted in Bank of America

Illinois Bank of America Complaint
April 2nd, 2011

They\'ve had us \"apply\" 6 times for a modification over 1.5 years. Oct 2009 they said we qualified and to make 3 trial payments. No paperwork was received from them. They sent 2 of the payments back and told us by phone we didn\'t qualify. Now they have added 50K onto the end of our mtg and tell us we don\'t qualify again and are foreclosing on us that was dated Feb 15, 2011 but mailed to us last week. They kept us dangeling until they could tack enough on the end of our mtg to disqualify us. All the players have caused a loss of equity in all real estate, yet they are allowed to come after homeowners for any loss after they sell your house! How can this be??? They can have the house but must be stopped from taking anything else of ours...they can not have their cake and eat it too!

Posted in Bank of America

Illinois Citimortgage Complaint
April 16th, 2011

I was denied a mortgage modification, made many months of trial payments then had to quickly pay back the difference. I believe I was unfairly denied.

Posted in Citimortgage

Illinois Wells Fargo Complaint
September 9th, 2012

I was charged a very high interest rate greater than 10% my mortgage was $1200 a month! Not including taxes and insurances! I heard of the recent settlement and did received relief finally after pursuing soooo long to wells fargo to cut my interest which in return they stated I did not qualify! After the law suit and settlement which I did not know that took place! They finally gave some relief! I pay $734 now! But for all those years with high interests rates paying all that money to them! Am I entitled some monies as well as relief!

Posted in Wells Fargo

Iowa Chase Home Finance Complaint
May 24th, 2011

Attempting HAMP for almost 3 years. Received HAMP from lender after 14 months that was inccorect, payment amount was 38% of gross income, still waiting for corrected HAMP and received no communication in over a year.

Posted in Chase Home Finance

Maine Saxon Complaint
January 18th, 2013

hamp modification process began made all trial payments on time and 1 or 2 extra then notified they didnt get all paperwork or payments and we did not qualify and couldnt reapply for hamp modification. told us we had to do an in house modification while in the process of in house modification they transferred owner ship to Qcwen and while processing modification for us and attorney they also had foreclosure process continuing in their attorneys office and without notifing us foreclosed on our home in their attorneys office and sold the property to Ocwen without notifing us. we came home to a foresale sign and contacted Saxon and they informed us their attorney wasnt notified and their was nothing we could do since the sale had been processed. We did have an attorney involved and I am not sure how he let this happen but we lost our home becauseof the negligence of others not because we were not trying to make it right. We fell behind due to my fiance being out of work due to work injury and then health issue. Please help. I knwo we cant get our home back but we cant have a bright future due to the negative affects of a foreclosure on our credit. We wanted our home and tried to correct things Saxon failed to keep their good faith efforts with my family.

Posted in Saxon

Maryland American Home Mortgage Corp. Complaint
May 29th, 2011

AHMI blocked my phone calls. Had to use another phone. Waiting in disability, house sold to bank on nov 2 2010 courthouse closed election day. Now bierman geesling ward & wood trustee, offered c4k. I called amt realty, spoke, then never got back to me, then eviction papers expedited. Have severe mental health issue, bank knew, faxed letter to these attorneys before to stay a forclosure. My congressmans staff pretty sure I\'ll get disability this 2nd round of fight. Bank knew couldn\'t modify without disability. I told them everything including suicide attempt and many disorders. They couldn\'t foreclose once because missing deed. They used something with both mine and my ex- husbands name .2009 I filed deed in my name ALONE. I was Too tired n sick and overwhelmed to fight. They had my disability paperwork apps. Now just got writ of possession, but their affidavit is not up to date of me calling company. Presaged from contact . Claiming unknown living in house. I talked to someone months ago said I was still here, please don\'t knock hard as I have severe anxiety and PTSD, when u check on house. Young man I think, didn\'t get name. I don\'t know about these crooks. My house has equity, they want it. I have many judgements from divorce, loosing business, etc dating back to 2008 when got really sick. Emotionally distressed from telling honestly and openly that I\'m sick. Seems used against me, knowing I have agoraphobia, etc...

Posted in American Home Mortgage Corp.

Maryland Bank of America Complaint
March 25th, 2011

They have been very slow (almost a year now) on approving my loan mod request It got thru underwriting and is in \'Quality Control and Investor Approval\' now. Countrywide is listed as the last owner or investor of my loan per the MERS site, but Countrywide was swallowed up by Bof A so B of A must be the owner now, right?

Posted in Bank of America

Maryland Chase Complaint
June 2nd, 2011

1. My home equity line of credit was cancelled in 2008 or there abouts. 2. I belive I was fooled into a quick/free refi in 2010 in order to lock me into chase and now prevents me from refinancing with the Make Home Affordable program.

Posted in Chase

Maryland Chase Home Finance Complaint
April 9th, 2011

As of the posting of this we are current on our mortgage but not after many many failed attempts to rectify this with their black hole of \"customer service\". Chase held us in default and was in the process of foreclosing on our home over late fees. This is just a small portion of what we went through with Chase all over an increase in our property tax.

Posted in Chase Home Finance

Maryland EMC Complaint
September 29th, 2011

I have been battling with EMC mortgage for years, throwing money at them only to make them richer and only for us to not benefit from it in anyway. They are constantly putting us on these bogus repayment plans, to be honest I feel as though we were on track and they are telling us no. They can\'t explain how they are using the money or where its going. They are no help at all.

Posted in EMC

Maryland GMAC Mortgage Complaint
December 11th, 2012

we had an escrow account to pay taxes and insurances, til last year gmac stated that we did not have one, Where did it go? never got an answer. they reconstructed our loan which included taxes.(But we had taxes every yr before last yr that came out) now we pay 500 dollars more than the original from GMAC. we cannot afford, and gmac will not remodify loan. help!

Posted in GMAC Mortgage

Maryland Wells Fargo Complaint
August 13th, 2012

The home was purchased in 2008 for about 400,000 and then it was refinanced and reduced by 100,000. Then the interest brought it back up when Wells Fargo took over and the home is now over 500,000. I have not been late but feel like I have paid more on the home and not recieve the proper credit to reduce the home value amount.

Posted in Wells Fargo

Maryland Wilimintgton finance r Complaint
April 20th, 2011

we refiance will wilmington bank 1/8/2007 the sold the loan to wilshire in 2009 the promissory note move butt the deed of trust in still recorded under wilmington bank wilshire filed foreclose in nov 2009 the case was drop jauaury 2011 wilshire then said they sold the loan an tranfer all the doucment to bac on march 1, 2011 i check the landrecords and nothing record for wilshire or bac bank of american said they will file forecloser on the house they mess up my wife credit who work for the fbi they no tranfer records recorded so why would we pay bac with no proof they owe this house they said were 22 payment behind. I want to file a classaction against bac for fraud.

Posted in Wilimintgton finance r

Massachusetts Bank of America Complaint
June 8th, 2012

this is an over view In 2009 BOA took over my mortgage. We sent letters disputing the amount of the loan it was almost 15K higher. (Last company bill was like we owed 86-87K)BOA put us at 103K this started the whole fiasco. I did not pay escrow for tax or insurance. My wife was complaining that the bill was sky high (1500) our mortgage payment is 839.00. We sent a letter and called they said they did an audit? And we are delinquent on our taxes. (Funny I have a receipt for all my taxes paid) and they can enforce payment for escrow. This took like 3 to 4 months and while we waiting to hear from them they are hitting us with lates on our credit report. I did not catch this till it was too late the report had us so far behind we could not get a pair of slippers on credit, let alone a refinance on my home. I have kept all correspondence and everyone’s name and ID number that I have spoken with. When I sent the letter with the copy of my paid taxes all I got for a response was WELL YOU NEED TO PAY IN A TIMELY MANER!. They paid my taxes after I had already paid them! I got a refund from the town. This has been going on long enough! This was done deliberately and with specific intent to foreclose on my home!. As my mortgage is not upside down and I can more than afford it and would have just refinanced and moved away from BOA if my credit was not destroyed by deliberate intent by the deceitful bank with under handed tactics they use. I would love to do this myself but I want this to actually HURT THE BANK and detour them from doing this to other people as I’m sure iam not alone I’ll bet this is wide spread and just not as in front as the straight forward foreclosures . I have already sent a Debit Validation letter and the only response is we are looking for the documents and the time is running out for them. If they do not hold the note and deed of trust can they hit my credit report legally?? As the server and not the trust holder I would think they would want to work with me on this and get it resolved… Not take the stand WE THE MIGHTY BANK. And we are never wrong. I feel this is and was done deceitfully by the bank. And hope you can help me.

Posted in Bank of America

Massachusetts Chase Home Finance Complaint
June 13th, 2011

I was granted a loan modification was told by the reg of deeds they never stopped the fc I made a payment to chase it was returned to me i was told i had to wait till the new paperwork came to me it would take 6-to a yr about a yr i got a letter sent to the wrong address saying that i did not submit a paper for modification even though i was told they had everything & i was good. they then locked me out of my house on 2 occassion changed the locks in may july even though forclosure was in AUG put my stuff on the curb. I then hired a auctioneer to auction off another piece of prop i had. asked harmon law & chase for 6-8 wks to do so & would pay the dept in full they told me to get a letter of proof & i could not even a wk later the auctioner called to let me know they auctioned my house anyways. i work out of the state 1/2 the yr & did know what they were doing i was not properly served also. they dump my calls don\'t return them &best they lie. it took 6 mo 3 people calling chase to get thru & get the modificaiton!! please help i want my house back lots more details!!!

Posted in Chase Home Finance

Michigan Bank of America Complaint
March 15th, 2011

put into the hemp program in 2009 not past due or late ever perfect credit score, made 9 months of partial payments only to be told did not qualify, they have added 15,000 to our loan, not applied any payments for 14 months, still no resolve more information will be given if needed

Posted in class actions

Michigan Chase Home Finance Complaint
February 18th, 2011

Foreclosure has been started because part of a payment (500$) was \"misapplied\". hundreds of attempts have been made to contact chase and resolve the issue, including many letters sent. Chase will not make any attempt to resolve the issue and let us keep paying our mortgage. Now they claim that we owe thousands in fees and costs. They will also not accept any payments until the account is made current.

Posted in Chase Home Finance

Michigan Wells Fargo Complaint
May 12th, 2011

I have had two loan mods. with wells fargo and the late payments were added to the mortgage, now I owe more than the original loan and I am underwater with the value of the house.

Posted in Wells Fargo

Minnesota Bank of America Complaint
September 30th, 2011

I am inforeclosure posponding date around 2 years with Bank of America. I will need help to keep my home since i am after bunkrupsy in dec 2009 I was not allow to pay to bank of america any payment. They did not accept any payment.Note is signed by Countrywide and by nBank (Wells Fargo) I do have MERS # and same note but not signed by anybody exept Me and my wife. This is tha NOTE we received at closing inapril 2004. mortgag is PAY OPTION ARM for 5 years than baloon. We did not qualify at that time but Ellis Mortgage Inc did get us loan with no doc program. We need help with our home to stay in it permanently.MERS stayted Deutche Bank as investor but BofA saying and we own money to Weels fargo bank. Any info in addition please contact us by Email or phone

Posted in Bank of America

Minnesota Ocwen Federal Bank Complaint
October 23rd, 2011

I have recieved letters that they will foreclose, and that I am in foreclosure. Don\'t have a foreclosure notice

Posted in Ocwen Federal Bank

Mississippi Bank of America Complaint
June 22nd, 2011

I am set for foreclosure sale on June 30, 2011 I need help!

Posted in Bank of America

Mississippi Central Pacific Bank Complaint
July 20th, 2011

It took two years to get a loan modification. When I did get a modification the bank: 1)Lowered interest rate to 3.5 percent from 9.5 percent for 5 years. 2)added the arrear payments of principal and interest to the existing principal causing the principal to increase by 40 thousand plus dollars. The principal went from 118,000.00 to 159,000.00. So with the loan modification my payments stayed the same. 3)In five years when the interest rate goes back to 9.5% my payments will increase drastically. my original mortgage was a forty year 9.5 interest ARM With an balloon payment of 80,000.00 after 40 years.I really though I was signing a 30 year mortgage. At the closing I was told that I would have no problem after 2 years in getting it refinanced.

Posted in Central Pacific Bank

Mississippi Chase Home Finance Complaint
August 1st, 2012

I have submitted a home modification request over 15 times, and have been denied for each one.

Posted in Chase Home Finance

Missourri Bank of America Complaint
April 15th, 2011

have been looking for someone to help me with BAC and their stone walling. I have been in limbo for 2 years now. I tstarted when I asked NACA to help me in Sept of 2009. I never heard anything from NACA ,after a few months I called BAC and they told me NACA had me on a hold with them for a loan Mod. I emailed NACA several times and no-one could find any info on me. So out of the blue I get called from Affordable Finance LLC out of New Jersy saying they could help me. 3000.00 and they could get me the loan mod. Well to make a long story shorter a little, I did the paper work for them, paid them, one and a half years later I found out the lawyer I was working with was replace by another one, and I had to fill out ANOTHER Power of Attorney paper for the new guy. I filed a complaint with the New Jersy ATT Gen, after several months they told me I was SOL on that gettin my money back. I have tried to work with BAC on my own to get the Loan Mod. Gave them the papers 2X and finally was told We make too much money. I live on Social Security Disability (BIG MONEY HUH?) My wife makes 9.50./hr. I have a interest only loan, I owe 121,000.00 on the loan. I was with Countrywide but got bought out by BAC. Ever since I have been in hell. They have ruined my credit, I have made EVERY single payment but BAC says I am thousands of dollars behind in payments. I have the canceled checks to prove this. I can\'t get BAC to make my credit current and post my payments on their accounts. My money seems to be dissapering over there. I want to file suit against BAC. I don\'t know who to get help from. Or even what to do. Can you gide me to someone that could help me? Rick Heim - rlheim@hotmail.com

Posted in Bank of America

Nevada Bank of America Complaint
October 2nd, 2011

for a year and a half my husband and i have been told by bank of america that our house in new mexico was going to be foreclosed becuase we couldn\'t make our mortgage payments due to my husband being unemployed. we received several phone calls harassing us to pay our back payments, and several letters threatening to take our home. however, every time we tried to work out a payment agreement the bank refused to help even though their website clearly states that bank of america will work with people who are unemployed so long as they have missed at least 3 consecutive payments. after my husband started to receive unemployment benefits, we contacted the bank and asked if we could start making payments again, and we were told no because we didnt have $5,000+ to catch up from the months we missed. which was a lie because we only owed about $2,000. its been almost 2 years now since my husband has sent them money because he\'s still unemployed. in february 2011, bank of america said our house was on the foreclosure list and that we were going to lose it. it forced us to move out of our home just after giving birth to our son, because we were told we had no choice but to surrender the home. 9 months later, we find out that our house is not on the foreclosure list, nor was it ever put up for foreclosure. yet the bank keeps telling us that we have no rights to a house thats still legally ours. 2 weeks ago we received a letter from the mortgage company stating that the home was going to be auctioned off, but according to the state of new mexico, it was never autioned off, and it was never put up for auction. my husband is now stuck with this debt from something we could\'ve been paying on for the last year and bank of america is refusing to cooperate with us. no one can give us any answers as to what is happening with our home, and we can\'t even start over somewhere else because of an existing loan with the mortgage company. we\'re at a loss, and we don\'t know what to do at this point. it seems as if this whole thing was a scam.

Posted in Bank of America

Nevada First Horizon Home Loans Complaint
April 26th, 2011

Wouldn\'t talk to us unless we were in default.Period

Posted in First Horizon Home Loans

New Jersey Cenlar or Crescent Mtg Complaint
June 8th, 2011

have been trying to do mod for over 2 years, they continually lie and stall and do nothing, had to file bankruptcy to stop sheriff sale, stillmay not get to keep house. this is an inv prop. have other props. also have other props likely qual for pred lending

Posted in Cenlar or Crescent Mtg

New Jersey Wachovia Bank of Delaware Complaint
March 22nd, 2011

Iwas told that my mortgage would never go into negatve if I was to go on a biweekly payment. 5 years later I owe 10,o00. more than what i originally started with.

Posted in Wachovia Bank of Delaware

New Jersey Washington Mutual Complaint
April 4th, 2011

We vacated the premises 6 months ago but the house is still in our name. We had an interest only option loan which was not explained to us correctly at all! Went bankrupt because of this, but somehow the house was put back in our name in court.

Posted in Washington Mutual

New Jersey Wells Fargo Complaint
May 4th, 2012

2003..COMMERCE BANK, REFINANCED 232,000 THEY IMMEDIATELY STAMPED IT AND INDORSED THE NOTE \"PAY TO THE ORDER OF WASHINGTON MUTUAL BANK\".... PAID PYMTS TO WAMU .... MERS AS NOMINEE ... FANNIE MAE = INVESTOR YEARS LATER WELLS FARGO BECOMES SERVICER ... WE DEFAULT, WF FILES FORECLOSURE COMPLAINT, UNCONTESTED, DEFAULT JUDGEMENT ENTERED, FINAL JUDGEMENT ENTERED, SHERIFFS SALE SCHEDULED.. AND THEN WE FILED AN EMERGENCY MOTION TO VACATE THE JUDGEMENT AND DISMISS THE COMPLAINT DUE TO FRAUD AND LACK OF STANDING... ACTED PRO SE AND ARGUED THAT THE COMPLAINT WAS FILED AFTER THE MORTGAGE ASSIGNMENT DATE COMMERCE BANK ASSIGNING WELLS FARGO BANK THRU MERS AND LPS , ROBO-SIGNERS NAMES ON ASSIGNMENT, FRAUDULANT NOTORY SIGNITURE, ETC.... BROKEN CHAIN OF TITLE , COMMERCE BANK WAS ONLY BANK ON COUNTY RECORDS, NO TRANFER OF TITLE TO WAMU , MISSING FROM CHAIN, FANNIE MAE MOST LIKELY SOLD NOTE TO REMICS OR MORTGAGE BACKED SECURITIES INVESTMENTS, BREAKING S.E.C. LAWS , VIOLATING TILA LAWS, ETC. .. NOTE SHOWN AS EXHIBIT IN CERTIFICATIONS WAS A COPY OF THE ORIGINAL NOTE INDORSED FROM COMMERCE TO WAMU , NO CHAIN OR INDORSEMENT GOING TO WELLS FARGO, NO RECORD OF PROPER TRANSFERS, ETC ... NOTE WAS LATER DOCTORED UP AND FABRICATED AND BROUGHT TO COURT BUT WAS OBVIOUSLY JUST A DOWNLOADED COPY AND NOT THE TRUE ORIGINAL.. WELLS FARGO SUBSTITUTED LAWYERS AND BROUGHT IN THE HEAVY HITTERS FROM HARVARD AS THE JUDGE ASKED FOR WITNESSES TO TAKE THE STAND AND BE PUT UNDER OATH .. 2 DAYS BEFORE THE PLENARY HEARING WF ATTORNEYS SENT THE JUDGE AN ORDER DISMISSING THE COMPLAINT AND VACATING THE JUDGEMENT , THEY WANTED NO PART OF A HEARING REGARDING FRAUDULANT DOCUMENTS AND BROKEN CHAINS OF TITLE, ETC... THEY WALKED AWAY .. BUT THE JUDGE ALLOWED THEM TO WRITE THE ORDER OF DISMISSAL, WHERE THEY WROTE \"WITHOUT PREJUDICE\" , SCREWING US BY LEAVING THE DOOR OPEN FOR WF TO CONTINUE THE FRAUD AT A LATER DATE IF SO INCLINED, WE WANT TO SUE THEM FOR DAMAGES, QUIET TITLE, ETC ... THEY DESTROYED US IN THE PROCESS OF THIER FRAUD, EVEN AFTER THE NJ AG OFFICE, CHIEF JUSTICE RABNER , JUDGE MARY JACOBSON, JUDGE GRANT, ETC...IN NEW JERSEY TOOK STEPS TO PUT THE BANKS AND THE LAWYERS REPRESENTING THEM ON NOTICE .. MY CASE IS THE POSTER CHILD FOR WRONGFUL FORECLOSURE CASES...IT IS THE CASE THAT HAS WELLS FARGO ON THE RECORD, BRINGING THEIR FRAUD UPON THE COURT, SUBMITTING FRAUD DOCUMENTS AS EXHIBITS TO CERTIFICATIONS, ETC ... MY CASE HAS IT ALL ... EVEN THE JUDGE TRYING TO HELP THE BANK IN THE BEGINNING OF THE CASE WITH AN EX PARTE DEAL AFTER THEY HAD DESPERATELY ASKED FOR AN ADJOURNMENT BEFORE THE FIRST INITIAL HEARING .. THEY HAD NO NOTE, ETC ... MUST HAVE TOLD HIM WHAT THEIR PROBLEM WAS AND HE TOLD THEM HE\'D HANDLE THE PROBLEM IN COURT .. HE ATTACKED US PRO SE HOMEOWNERS ASKING IF WE THOUGHT WE COULD BORROW MONEY FROM WELLS FARGO AND NOT PAY THEM BACK? HE VERBALLY ASSAULTED US AND HUMILIATED US ... AND THEN HE MYSTERIOUSLY BLURTED OUT THAT THEY NEED TIME TO FIND THE NOTE , HE GAVE THEM 3 MONTHS TO TRY AND LOCATATE IT, BUT HE HAD NEVER ASKED THEM IN COURT ABOUT THE NOTE, SO HOW COULD HE HAVE KNOWN THEY DIDN\'T HAVE IT? IN THEIR REPLY TO OUR MOTION THEY CERTIFIED THAT THEY INDEED HAD THE NOTE AND SHOWED A COPY AS THE EXHIBIT \"C\" THE TRUE AND ACCURATE NOTE .. IT WAS A CLEAR EX PARTE COMMUNICATION BEFORE THE MOTION HEARING.. THEY HAD TRIED TO GET MY CONSENT FOR AN ADJOURNMENT...THEY THEN SENT A LETTER TO THE JUDGE SAYING THEY HAD OUR CONSENT , THE JUDGES SECRETARY CALLED US AT HOME AND ASKED IF WE HAD CONSENTED THE JUDGE WAS LIVID THAT THE PLAINTIFF HAD ASKED FOR AN ADJOURNMENT ON A MATTER WHERE THE FINAL JUDGEMENT HAD BEEN ENTERED AND A SHERIFFS SALE WAS SCHEDULED FOR 2 WEEKS LATER , HE MUST HAVE SPOKEN TO THE PLAINTIFFS AFTER CALLING ME AND THEY INFORMED HIM THEY HAD NO NOTE AND NEEDED TIME TO FABRICATE ONE.

Posted in Wells Fargo

New Mexico Citimortgage Complaint
May 19th, 2011

I have been working with NM AG\'s office for modification, have EXTENSIVE detailed files, CITI has acted in bad faith on modifying mortgage amount AFTER I paid for appraisal, can send further files. I don\'t WANT to sell my home, I want CITI to honor their proposal to modify the mortgage balance, First to CITI now up to 189K second to 1st community 30K appraisal (paid for by me as requested by CITI) 93.5K way upside down. CITI did not respond to 4/4/2011 letter other than Kimberly Zinn had re-located to Dallas, Thanks much! Laurafly4@msn.com

Posted in Citimortgage

New York Bank of America Complaint
June 27th, 2011

Application verbally completed with loan officer BOA Nov. 18, 2010. Locked in @ 3.75% $Aprox. $200,000 refinance. Living in existing home for past 15 yrs at higher interest rate. Credit - Fico scores in 800\'s Apprisal value - single family - $940,000. Reported income $8,000 monthly No credit card debt. Liquid assets of $800,000 + Estimated closing date Dec. 2010. Immediately complied with all paperwotk and docs. Was told I was well qualified. 3 loan processors later - repeated requests for more docs, either misplaced, lost...etc. January 25,2011 received phone message -loan denied. \"Debt to income too high\". Nobody returned calls and letters. Later contacted Chairmans office. 3 months later(April) it was identified that BOA mistakingly added $20,000 in taxes twice incresing debt and did not include $20,000 in 1099 income, which was substantiated in 2009, and 2008 tax returns. Applied for refinance with Emigrant Mortgage, approved and cloed 4 weekds later @ 4.25%. Have been writing letters to BOA for consideration of interest rate differnce loan 1/2% over 15yr loan amount. Chairmans office will not even honor wrongful denial. Would like to sue-for damages. Do I have anything that may be of interest?

Posted in Bank of America

New York Chase Complaint
February 25th, 2011

Hi, I need to preface the following by stating I did not know this section was only for Mortgages. I had sent the following Content in an E-Mail, and someone returned comment, strongly suggesting I register here. I do have a Mortgage related complaint regarding OCWEN, but I\'ll need to do that next week. For now, I\'m hoping someone will read the following issue I am having with Chase Bank: Dear BankClassAction: I\'m hoping someone from your firm would be interested in investigating a habit which seems to be developing with Chase Bank. In my area at least, Chase Bank has been multiplying in leaps and bounds, hoarding real estate and opening more branch offices than they know what to do with. Sometime in mid 2006, Chase Bank had acquired The Bank of New York in NYS. I had been a long time patron of the Bank of NY, even before my Company\'s Incorporation in August of 1991. With the Bank of NY, I had opened a $30K Line of Credit in April of 2002. With the acquisition of The Bank of NY, Chase was duty bound to honor the Contract I had with The BofNY, and had done so for several years w/o complaint. The Contract had a provision for the Bank to cancel the Credit Line with at least a 30 day notice before the anniversary date of the loan, but appeared to have no problem with my use of the money as long as I continued to pay at least the interest monthly with an auto-debit arrangement. During the first week of December \'10, I received a Chase letter dated November 16th, 2010, stating that, effective immediately, Chase would cancel my Credit Line, including its overdraft protection, and would require that begin making principle & interest payments. At December\'s end, and without further warning, Chase had auto-debited $600++ from my Checking account, thus causing a pile up of Bank Charges and bounced checks. Furious as I was by Chase\'s audacity, I demanded of my local Branch, the return of the $600.00 and the additional $170 in Bank Charges imposed for the overdrafts Chase\'s debit had caused. After a week or so, he Branch Manager was able to get permission to give back only $100.00 of Bank fees, but kept the rest. In my attempt to put a halt to Chase\'s monthly debits, In early January, I had to sign a document which should have severed the Auto-Debit feature of the Credit Line they cancelled in November, \'10. Just yesterday, (2/24/11) after skipping a month as to relax my guard, Chase made another $630+ debit from my checking account. Of course I complained to my Branch Manager, demanding the identity of the person making the decisions to treat me like dirt, but to no avail. In order to stop the hemorrhage of hard earned cash from my checking account, I must soon leave Chase once I find a suitable Bank to replace them, fore I see no compromise by Chase. My question to you, is if you had other Chase victims, particularly from NYS, whereby the former B of NY customers are now being abused by Chase. As mentioned, Chase Bank has had a huge growth rate in NYS over the past few years, and I think they feel invincible here. After doing some research, I see that class action suits against Chase Bank are nothing new, and they must have armies of Lawyers working on their behalf. I would like to get your opinion on whether Chase\'s blatant disregard for acquired Contracts would warrant a viable class action against Chase... especially here in NYS. I would certainly appreciate a response of any sort. Thank you, Ray R

Posted in Chase

New York Chase Home Finance Complaint
April 28th, 2011

I was charged an undisclosed $1,000 \"Misc Service\" at my closing which the bank claimed was a mandatory NYS fee. I later determined that is was a fee associated with CEMA but it was never disclosed to me and they lied about it when I questioned it.

Posted in Chase Home Finance

New York Chase Manhattan Mortgage Complaint
March 19th, 2011

I successfully completed one year of modified payments to Chase Bank here in NYC on my condo-after being told in 2009 I must be behind in payments to qualify for a modified mortgage. I was then denied in Sept. 2010 and Nov. 2010 twice after appealing permission for a permanent modified loan. Now they want 45k in back payments and penalties.

Posted in Chase Manhattan Mortgage

New York NationStar Mortgage Complaint
December 16th, 2013

They placed a complaint to foreclose, but there is no date - ( thank God) and there is no judge assigned at this time.

Posted in NationStar Mortgage

New York Option One Complaint
July 12th, 2014

I asked for an intro get orly. Was refused.

Posted in Option One

North Carolina Bank of America Complaint
February 20th, 2011

I started the mod process 14 months ago they would not let me pay my ins & taxes, sent my check back, started foreclosure in July 2010, postponed 4 times still trying to modify

Posted in Bank of America

North Carolina Chase Complaint
April 15th, 2011

THIS IS THE WORST MOST STRESSFUL THING I HAVE EVER BEEN THROUGH. IT ALL STARTED WITH SOUTHERN SHOWCASE HOUSING WHERE I GOT MY 4BD MODULAR HOME. I WAS FINANCED THROUGH F & T MORTGAGE. THEY ARE THE ONES WHO GOT ME APPROVRED AND THE CAUSE OF ALL THIS!!! THEY APPROVED ME ON MY OVERTIME INSTEAD OF A 40 HR WORK WEEK. WELL, I WAS MAKING THE PAYMENTS CUS I HAD A LIFE INSURANCE POLICY PUT BACK TO FALL ON. MY PAYMENTS WERE $1298.95 ESCROWED. I MADE THE PAYMENTS FOR A YEAR THEN I STARTED STRUGGLING CAUSE I USED ALL MY BANK ACCOUNTS TO MAKE THE PAYMENTS. THEN I COULDNT MAKE THE PAYMENTS CUS ALL I HAD LEFT WAS MY PAYCHECKS AND I HAD TO KEEP THE POWER,WATER, ECT ON.I HAD NO MONEY LEFT AFTER THAT TO MAKE THE PAYMENTS. I TURNED TO MODIFACATION. I CALLED THEY SENT ME TO A HUD COUNSELING AGENCY CALL ONTRAC. THEY HELPED ME GET STARTED FEB. 12 2010. A MAN NAMED VICTOR MOORE LOOKED OVER MY LOAN PAPERS AND TOLD ME I SHOULD HAVE NEVER BEEN APPROVED FOR THE LOAN!! IT WAS MORE THAN 30% OF MY INCOME. A 40HR WEEK BRINGS HOME $711.42 EVERY TWO WEEKS. HOW DID THEY APPROVE ME FOR A $200,000 LOAN? ANYWAY, WE FAXED CHASE THE DOCUMENTS THEY ASKED FOR AND FIRST THING THEY SAID IS THEY DID NOT RECIEVE ALL THE DOCUMENTS. VICTOR TOLD ME TO MAKE A PAYMENT AND SET A PAYMENT ASIDE UNTIL THE MODIFACATION COMES THROUGH IT SHOULD ONLY TAKE TWO MONTHS. IT TOOK OVER A YEAR!!!! THATS HOW FAR BEHIND I AM!! EVERYTIME I SENT CHASE DOCUMENTS, THEY SAID I DIDNT SEND SOMETHING. I TRIED TO EMAIL VICTOR AND ASK WHAT TO DO. I GOT NO RESPONSE. SO I TRIED TO DO IT ON MY OWN AND GOT NOWHERE. FINALLY, TO MAKE IT SHORT, IT TOOK OVER A YEAR FOR CHASE TO SAY I GAVE THEM ALL THE DOCUMENTS THEY NEED ONLY TO TURN ME DOWN FOR INADEQUATE INCOME. IT TOOK THE A YEAR TO TELL ME WHAT HUD TOLD ME IN ONE SITTING!!!! THEY TOLD ME MY HOUSE WENT INTO FORCLOSURE FEB 22 2011 BUT I HAVENT RECIEVED A LETTER SAYING THAT. ALL THEY DID WAS SIGN ME UP FOR HAFA WHICH ID $3000 TO HELP ME RELOCATE. MY HOUSE IS UP FOR SHORT SALE WHICH ISNT SELLING. SO I CANT GET THE $3000 TILL IT SELLS OR FORCLOSES. I HAVENT FOUND ANYWHERRE TO GO. ME AND MY KIDS ARE GOING TO BE HOMELESS WHEN IT SELLS OR FORCLOSES. THE RENT RUNS $800 TO OVER $1000 FOR A 3 BD APT OR HOUSE. WHY CANT I PAY THAT FOR MY HOUSE??????

Posted in Chase

North Carolina First Horizon Home Loans Complaint
October 1st, 2012

Biggest problem was with our loan changing hands from Countrywide to Bank of America. Never late on a single payment in 7+years however when BOA tookover for Countrywide they both withdrew the house payment from out account 3x\'s after we stopped it. In addition when we stopped the double payment, Countrywide refused to give us or BOA the $ and BOA reported us 30 day late even though they admitted fault, apologizing many times and promising not to punish our credit for their error. Now we\'re trying to refinance and finding out our credit has been dinged almost 100 points because of that same 30 day late we were promised would not be assessed. BOA is promising(bribing) us to stay with them but then trying to charge us points for their mistake saying there\'s really nothing they can do even though we have documentation of them admitting fault.

Posted in First Horizon Home Loans

North Carolina Homecomings Financial Complaint
June 29th, 2012

Lender changed the information on the loan. Income was exaggerated and there was no way that BEFORE the interest rate went up much less after the interest rate went up the payments could be made. The lender added fees to the payments. The lender agreed to accept payments to stop the foreclosure and after the payments were made the home was foreclosed anyway. The homeowner was a disabled adult who received the home from her parents estate. The homeowner was looking for a little money to do repairs on the home and was loaned way more than the home was worth at payments and an interest rate that was not what was originally discussed. Was informed that she would have to pay an outrageous \"loan application fee\" if she did not accept the loan as written. Her fixed income was approximately $800 and her mortgage payments ballooned to over $500 not including all the added fees.

Posted in Homecomings Financial

North Carolina Option One Complaint
April 7th, 2011

Disappointing, they added 30k to my loan for a modification. Stated if i didn\'t then they were moving forward with foreclosing on my property

Posted in Option One

North Carolina Wells Fargo Complaint
April 10th, 2011

refuses tomodify and will not accept me catching up my payments.and then modifiy. got a foreclosure hearing in a few weeks

Posted in Wells Fargo

Ohio Bank of America Complaint
May 15th, 2011

as of 05/05/2011 my case was dismissed by Cuyahoga county courts. still not sure what to do or how to do it.i have gone through many different oganizations to try to fix this and have come up empty. i have been given the run around since before BOA took over my home loan

Posted in Bank of America

Ohio Citimortgage Complaint
June 12th, 2011

have been bull---ited from day one cant get no satisfaction just spun around went through modification only to be deneied now behind because of citi mortage.found out house eas over valued in first place house worth 58,000 sold for 102,000 need help we were told it eas worth 102,000 but after investagating found we were dooped please help

Posted in Citimortgage

Oklahoma Bank of America Complaint
June 4th, 2011

The Note has never been filed with county, they forged my wife\'s signature on the mortgage, it is not on the note, BofA reported giving me three loans PRIOR to purported closing - these are on credit reports, received ltr fromm BofA stating they do NOT have mort & note, it suggest we doc from closing agent, all docs from closing were blank

Posted in Bank of America

Oklahoma Chase Manhattan Mortgage Complaint
June 25th, 2011

Applied for loan mod. 3/\'09 they lost paperwork/changed forms sevarl times, denied us 7/10 but as of 4/11 still showed us in process they\'ve reported late payments that are NOT late most recently may 2011 told we were getting credit 2 times 4/28/11 and 5/24/11 then told they showed no record of it as of 6/23/11 incorrect statements

Posted in Chase Manhattan Mortgage

Oklahoma Citimortgage Complaint
April 27th, 2011

I am in desperate need of your assistance. In February, I got sick. The increase in bills made it difficult to pay my mortgage and I got behind. On April 16th I paid Citimortgage online $2,748.48 witch was payment in full for Feb., March, and Aprils mortgage payments. I received e-mail confirmation of payment that said CitiE_ID:698887 “Thank you for your payment. Regarding Account: XXXXXX$%^& Your payment of $2,748.48 will be credited to your account on 4/18/2011, unless that date is a federal holiday or your payment was submitted after 5 p.m. ET, in which case, it will be credited the following business day. To view details of your payment, please visit www.payment.citi.com. If you have questions about this payment, please contact us at 1-866-675-5743. We cannot respond to individual messages through this email address. It is not secure and should not be used for account-related questions. For general account inquiries, please contact us at 1-800-283-7918 or visit www.citimortgage.com. Calls are randomly monitored and recorded to ensure quality service.” On April 19th Citimortgage turned my account over to an attorney for foreclosure. I received a letter today informing me that I am in foreclosure even though I am paid current. When I called Citimortgage I was told that there was nothing the agent could do. That I was responsible for attorney fees and that the only options I had were “payback” plans, even though, I am paid current and do not owe any outstanding mortgage payment. In order to reinstate my mortgage, the agent took some information from me that will be forwarded to the foreclosure department. I was told that within 15 to 30 I would be contacted with a new payment that would include a portion of the attorney fees until those are paid off and then my payment will return to the same amount as before. By the time I am contacted I will owe another mortgage payment, possibly 2, and the Citimortgage agent advised me not to make those payments until I had spoken to the foreclosure department. I am being billed attorneys fees for a foreclosure that even though I do not currently owe a mortgage payment. Any help you could be in this matter would be very much appreciated. Please Help Thank you so very much for any help you may be able to offer,

Posted in Citimortgage

Oregon Bank of America Complaint
April 19th, 2011

Our income was reduced back in 2007/2008. We then used HELOCs and savings to supplement the reduction in income, thinking things would turn around. When we were getting close to exhausting all of our resources, we contacted our lender (Bank of America) reguarding a modification. We jumped through many hoops over the next year trying to adhere to their programs. We were turned down for the HAMP program due to excessive forebearance. Turns out they had incomplete info. on our income. We appealed. We were unable to get the requested douments to them until a week later (sometimes it takes time to round things up- we also work and have children). When I called to verify receipt of documents we were told we did not send in the docs in a timely manner and were denied with no recourse except to be sent to an in house program (we were given no time frame). Due to the obvious innefficiencies of there system, we were convinced they were unwilling or unable to help. We then decided to stop paying our mortgage. Our thinking was that there was no hope of any change being made to our mortgage, and we were unable to continue much longer at the current terms- which would changed to a fully amortized loan in 4 years. We had just decided we would only be putting $ into something that had no hope of being successful. However, we did continue to comply with their requests for documentation. At one point they said they had all they needed and we would hear something within 30-45 days.Upon calling @ 45 days, I was completely frustrated to hear they had no record of us being involved with a program, and if we wanted to be, we would have to start over! At this point (Dec. of 2010) we had been at it for a complete 12 mos. We were done with them and began to consider our next move which would be having to move out of our house. Suprisingly, on Feb. 19th, 2011, we received a phone call from a real person at B of A telling us our modification was passed to the underwriting department and he was my \"negotiator\". All he needed was a few more documents. We couldn\'t help feeling just as tinge of hope. We faxed them in. They consisted of 21 pages- well marked with our loan # on every page. They then called to ask us to fax them my wife\'s paycheck stubs again (not different ones-the same ones). A week later they then called and requested us to sign our hardship letter (we had only typed our names). Another week goes by and they call and request us to sign and date our profit and loss statement. She would also need some additional documents. Of course, anyone who is reading this is thinking \"Gee, it would have saved a lot of time if they had requested all this at once\". Anyway, in the midst of our conversation, she had stated the sum of our incomes which were way too low. Upon asking her the sources, I found she was missing my income (page 3 of the 21 pages I had sent in before) This amount represented over half our income. Can you sense the frustration? Any way, OK, I had better get that to her and we agreed that\'s what I would do (but no timeframe was mentioned). This conversation took place on Friday, April 8th, 2011. As we were on our way out of town we would have to send in the docs. when we returned. On Wed., April 13th, we called to see if they had received the documents. This time we were told the case had been denied because they had not received the documents. (you know, the ones I had sent them) I was told this was done on Monday, April 11th. Wow, that was fast! Anyway, I emailed my personal contact to find out what was up and she assured me she would re-open the file once she received the documents that were requested. That sounded good. Monday, April 18th, I emailed to confirm she had received the documents. She has not so she asked me to send them directly to her through email. So that\'s where we are. I must say I am not feeling very hopeful again. We are responsible and hardworking people who so far have managed to keep a steady, documentable income. Our income reduction was by no means drastic. We have proof. The process to get a loan when the banks were modivated to lend money was about 30 days. I know they are overwhelmed and the employees who are part of their systems are not to blame and often try very hard to help you. There has been improvements over those 16 months I have been in contact with them. I usually talk to a US citizen now when I call. But I can\'t do this much longer. My wife is stressed and I feel as though I can\'t do this for much longer. It\'s very hard to do this in addition to my job and family life. I was encouraged by our bank and government, along with others to attempt a modification. Sometimes I hear it actually happens. A friend of mine was successful at it but his wife has real estate and lender connections. Other friends of mine, some pretty young are suffering unexplained and expensive health issues during a after attempting the process. This can\'t be worth it, but maybe, real high up in the banks, that\'s what they want us to think. But maybe I can get that modification...Signed, Tired.

Posted in Bank of America

Oregon Beneficial Complaint
March 28th, 2011

I got my first loan in 92 for $40,000 6.5% above prime. (604.04 payments)Had no credit history, went through broker. In 1996, I got a call from Beneficial to refinance my 1st and borrow $12,000 more. I would make 2 payments a month (1/2 every 2 weeks). This was supposed to pay my loan off sooner. I didn\'t know it was a second separate loan for 20 some days when I received the payment statements. I now was obligated to pay $1381 a month not $774. I am self employed. I thought it was funny that they didn\'t ask for Schedule C tax forms. She relied on my bank statements from business and personal accounts for income. I asked her twice if she needed the Schedule C and explained that the bank statements did not reflect my net income. She insisted she had all the numbers she needed. No problem, I qualified. I know I would not have qualified or agreed to a $1381/mo payment. I have not made a payment on the 1st since 2/3/09 and on my 2nd since 3/3/09. On 3/2/2011, HSBC owns my loan now,sent letter stating no completion of foreclosure and while I still owe the money, I will own the property and they will release the lien. 5 days later, now offering me a 85% discount deal on my 1st by March 31, 2011. They also said on phone they might be able to reduce the 2nd balance of $67,000( result of interest hike) in half with new payments. They want to help me. That is what the last deal maker said.I am suspicious. In Jan. 2003, chapter 7 discharge. In Nov. 2004 filed chapter 13, dismissed 7/2006. Did not reaffirm to Beneficial.

Posted in Beneficial

Oregon Saxon Complaint
November 22nd, 2012

I was forced to give the house back to Saxon because they would not offer me a loan modification or any other option, information that might help me, resources, etc... I am interested in being a part of a class action lawsuit if it is filed.

Posted in Saxon

Pennsylvania Bank of America Complaint
March 18th, 2012

They claim I was late on my taxes and added an escrow account. That changed my mortgage from 556 a month to 991 a month. I was not late on my taxes. I also applied for a home loan modification which I turned down and they used that as another excuse to create the escrow account.

Posted in Bank of America

Pennsylvania Indymac Bank Complaint
July 6th, 2011

2007 construction loan with missing draw lines,2008 did not release draws on timely basis, charges extension fees, 2009 permenate mortgage, sent in LPS to damage house. sabatoged 2 sales,forced us into chapt7 bankruptcy, took house during stay.still sends us ownership and insurance is due 6.15.2011

Posted in Indymac Bank

Pennsylvania lend america Complaint
December 20th, 2011

I refinanced my house with lend america oct. 2009.they sold my mortgage to gateway bank in nov. 2009.My first mortgage was never paid off, i contacted gateway bank in jan.2010 after making my first payment when i found out first loan wasn\'t paid off, they returned the payment.I\'ve been 2 years calling these banks, nobody ever returns calls.In nov.2009 lend america filed a mortgage on my property for loan i never received.lend america stopped doing business in dec.2009 so no contacts there.i have talked to gateway since they are the (mers)loan server. i need to know how to get this mortgage off my property.

Posted in lend america

Pennsylvania Mortgage Electronic Registration Systems Complaint
April 1st, 2011

we are in foreclosure, sale date change twice, late december receved stay letter

Posted in Mortgage Electronic Registration Systems

Rhode Island Flagstar Bank Complaint
May 2nd, 2011

very long wait time for responses. I feel I am being driven into foreclosure.

Posted in Flagstar Bank

South Carolina Wells Fargo Complaint
October 3rd, 2012

first forecloser was dismissed however, Wells fargo is at it again.

Posted in Wells Fargo

Tennessee Bank of America Complaint
June 7th, 2011

Thank you for your recent Internet inquiry addressed to the Customer Service Department. Unfortunately, I was unable to reach you by phone. Please accept this email as our reply to your issue. Please be advised that the insurance premium paid on March 12, 2010 in the amount of $727.00 was for a policy term from August 24, 2009 through August 24, 2010. Please be aware that we had initially purchased the insurance when the loan came over from Taylor Bean and Whitaker but it was not charged to your account until March 12, 2010. The insurance premium that was paid on August 31, 2010 in the amount of $727.00 is for a policy term of August 24, 2010 through August 24, 2011. Please be aware that these are not duplicate insurance payments and were for two separate policy terms. At Bank of America, we strive to provide our customers with prompt, courteous and accurate service. I apologize if you feel we fell short of our goal and your expectations. Your trust and your business are very important to us, and your positive experience is our first priority. If you have any other questions or concerns please contact a Customer Service Representative at 1.800.669.6607. Thank you for communicating with us electronically; we appreciate the opportunity to be of assistance. Original Message: Daytime Phone#: (615) 483-7582 ext. 0000 Evening Phone#: (615) 830-4446 Message text: Bank of America purchased my mortgage 0000000 in 10/ 09, in 12/ 09 they raised my payment from 825.33 to 973.66 claiming a escrow shortage. I had to personal find the shortage, witch turned out to be they insurance had already been payed and they had no records. after contacting the insurance company in 01/10, they refunded me $174.32 and lowered my payment to $845.87. the policy was good until 08/10. In 03/10 they removed $727.00 out of my escrow for lender placed insurance, and in 05/10 they raised my payment to 876.90. Then in 08/10 they removed $727.00 from my escrow for lender placed insurance. I contacted bank of America to question why they charged me for insurance twice. When they had been in contact with my insurance company in 01/10. they said that one charge was a mistake. they changed the payment $809.06 but never returned the extra money I payed in or the extra $727.00 they took out. When I recently informed them they had not returned this money,they informed me they contacted a insurance company I have no affiliation with. Really this insurance company said i did not have coverage, and the 03/10 withdraw was for the year of 09. I questioned how can you make the coverage retroactive , is someone with a time machine going to burn my house down. I kept trying to explain my insurance was with aegis they didn\'t even bother asking for the account # ooooooo. I demand this money be returned to my Bank account immediately! Every time I review my escrow analysis they have they have a different charge for things that are not in the terms of my loan. It is increasingly apparent with out help, I will not be returned my money and my payment will change every couple of months. I cannot be the only person this is happening to,please everyone I copy this email to send me a fax number. I can proved saved web pages and other documents from bank of America. I am sure these will demonstrate their ridiculous borderline criminal actions.

Posted in Bank of America

Tennessee Chase Complaint
March 21st, 2011

I have suffered 2 years of delays and lies in 4 modification applications with turn downs for totally non-valid reasons and now the NPV turn down for NO reason. Both myself and my property qualify 100% for HAMP. I am a single Hispanic mother of one and Chase has lied and shown that they don\'t care about what is legal or right. I have detailed records of the 4 modification applications and three disputes along with the over 500 pages sent to chase plus detailed records of all 200+ phone calls and written communications and recorded phone calls with the over 15 different Chase departments I have been shuffled to.

Posted in Chase

Tennessee Countrywide Complaint
March 26th, 2011

mortgage was with chase,then sold to wash.mutual. then country wide, then bank of america.lots of $ was added to the end of my mortgage..:(

Posted in Countrywide

Texas American Home Mortgage Corp. Complaint
April 28th, 2011

I have a no escrow loan and pay my home owners taxes and insurance seperately. In december of 2009 before my taxes were ever even due, AHMSI paid them. Then this year again last month and now they are trying to force an escrow account on to my monthly payments which will more than double my payment amounts. I am also almost 90 days delinquent but will be able to get caught up in the next few weeks if the escrow issue can be resolved. PLEASE HELP!

Posted in American Home Mortgage Corp.

Texas Bank of America Complaint
March 17th, 2011

Requested mod inn 1/09, made temp mod pymts, kept getting told I was approved, but it never happened. I kept having to reapply over and over. Finaly I was told that it was a mistake the status should have been changed, and they would start foreclosure if I didn\'t make full payments. I kept applying through non profit orgs with no results,at the same time they began foreclosure. I applied for Bankruptcy to stop it. They denied a mod and began foreclosure again. 80,0000 into a house for nothing!

Posted in Bank of America

Texas Chase Home Finance Complaint
February 24th, 2011

I was laid-off February 2010 and did a loan modification in April 2010. I was told not to pay a couple months then western union my payments. I have done everything and now February 2011 after speaking to people at chase numerous times, my account is still in default and I do not know where my payments go and nobody can help me. I have documented phone calls, saved recipts etc.

Posted in Chase Home Finance

Texas Citimortgage Complaint
May 8th, 2011

CHARGED OFF ACCOUNT, BUT PENCRO ASSOCIATES HARASS ME WITH DIFFERENT PAYMENTS WANT GIVE ME CORRECT INFORMATION

Posted in Citimortgage

Texas Colonial Savings Complaint
December 3rd, 2011

I tried reverse mortgage and Colonial would not work with them. I tried Loan Modification and Colonial will not work with them. I tried working with Colonials Loss Mitigation Dept. and they tell me I\'m not qualified. I can\'t find a job. I\'m on Social Security, my wife is disabled. I guess I will lose my home because I can\'t find anyone that will help me.

Posted in Colonial Savings

Texas Countrywide Complaint
June 9th, 2011

they keep increasing payments, and cancelling my homeowners ins, to place theirs a triple of the regular cost

Posted in Countrywide

Texas EMC Complaint
October 19th, 2011

They had me dbl paying mortgage., charged excessive penalty & fees and over stated payoff which hindered me from refi my home. Applied for modification 10 times (8 times under HAMP), they would tell to submit docs for HAMP then lose docs., later I found out they never considered or submitted paperwork for HAMP. Finally submitted letter to Pres Obama & other government officials - finally received appl. for HAMP. Aft. completed paperwork & submitting while I was in last stages of review, acct was transferred to another servicer. SO MUCH ORE TO MY CASE (I HAVE BACK UP DOCS WITH RECORDED CONVERSATIONS) I have all info U R requesting I will have to upload them later.

Posted in EMC

Texas Key Bank Complaint
March 2nd, 2012

We had an agreed upon short sale after approx. 1 year of negotiations and Key Bank reneged 2 or so days before closing.

Posted in Key Bank

Texas Midland Mortgage Complaint
August 30th, 2011

I am at my wits end. My loan was sold to Midland and I filed an insurance claim for hail damage. Midland made me send them my check and they refuse to issue any money to me from that check. So right now, its been 4 months and I cant hire a contractor to fix the house cause my mortgage company refuses to give me the money to pay the contractors.

Posted in Midland Mortgage

Texas Option One Complaint
April 30th, 2011

default sent 9 mos. ago, husband continues to apply loan mod, we never get. I the spouse did not sign note, also had separate property warranty deed

Posted in Option One

Texas Wachovia Bank of Delaware Complaint
December 4th, 2011

I have had my loan, which began with World Savings, since 2001. At that time they didn\'t care if I was employed or not, I just had the money for the 20% Down Payment. I was unemployed and was put on the UP (Unemployment) Program. I had never missed a payment or been late with any payments until this. I never signed anything they just reduced the payments. As soon as this program ended, my lender told me I was in default on my mortgage and now I have a foreclosure sale date of 1/3/2012. I have been tyring for a loan modification, but do not qualify. I have faxed the same documents to my home preservation specialist many times. I recently received a letter informing me Wachovia was discontinuing my Automatic Payment withdrawals because they had made several attempts to make the withdrawal but the funds were not available. However, they were making the bi-weeekly withdrawals every month and I have proof of the withdrawals. I am at a lossas to what to do.

Posted in Wachovia Bank of Delaware

Texas Wells Fargo Complaint
February 29th, 2012

Came within 1 day. told to sign 40 year note at 7.5% or be foreclosed on.

Posted in Wells Fargo

Utah Wells Fargo Complaint
August 30th, 2012

Wells Fargo spokesman promised that we qualified for a new HAMP modification. He lied to us. Made us jump throw a bush of hoops and paperwork. Then he told us we were turned down!!!Now they want us to do a quick sale on the house? We want to stay in our house. We want WF to man up and help us? we were told that we make to much? They took our gross income to do there calculation on! the government says we have to pay our taxes and now we have to have health coverage too! About 32% of my pay check goes for mandated programs? that doesn\'t leave much to pay all of our other debts! Why can\'t someone figure the income rate on our net income (AFTER TAXES)????

Posted in Wells Fargo

Virginia Bank of America Complaint
February 3rd, 2012

I just want justice.

Posted in Bank of America

Virginia BB&T Mortgage Complaint
March 13th, 2011

they extended 10 years to my current mortgage and they are not modifing my mortgage based on obamas law

Posted in BB&T Mortgage

Virginia Chase Complaint
June 7th, 2011

Lost my job in June 2009. I started the \'Loan Modification\' process June 2010. My husband Passed away in Nov. 2010. The day after I buried him, Chase called me to tell me we were denied for insufficient income. Since then I have started the process over as I have gained employment and my wages should qualify me for the Hamp 31% of my income loan modification. I was denied again. I have started the process over with a firm named \'Save Your Home\'. It\'s just a matter of time, I am going to lose my home. Chase doesn\'t even read the docs I send. They call to ask dumb questions like they need my (dead) husbands recent payroll stubs. Mentally and physically TIRED!

Posted in Chase

Virginia Countrywide Complaint
December 21st, 2011

I liked Countrywide as our lender, but after we refinanced with another lender, they brough our loan from another lender, and then they gave us a modification more than what the mortgage payments was, then we couldn\'t afford the payments, and we forclosed in 2008. The address was 5941 Lockamy Lane, Norfolk, VA. I still like Country, I think they had good intentions at first.

Posted in Countrywide

Virginia Homecomings Financial Complaint
March 1st, 2013

Think of a kid who had their lollipop stolen except the lollipop was life

Posted in Homecomings Financial

Virginia Sun Trust Mortgage Complaint
June 5th, 2012

I am divorced and was awarded the home to refinance or sell. Because the loan uses my exhusband\'s VA benefits I was unable to refi, but I was able to place the home on the market. After several months of no offer, I decided to do a Deed-in-Lieu. It has been several months since I put all the paperwork in, and I would call to follow up each week if additional paperwork was needed, and they would always tell me that nothing is needed. Then just last week, when my exhusband called, they tell him they need an updated listing agreement and a VA appraisal. I called them back to ask what exactly they needed and if the house needed to be put back on the market. They told me it didn\'t, and I just needed to get in touch with my realtor for an update of the previous listing. Well, I spoke to my realtor and they told me that there is no update when the house is off the market, so there is no paper to provide. Also, there can be no appraisal unless I pay out of pocket, but that still takes time. My deadline is Friday I just found this out last week!

Posted in Sun Trust Mortgage

Virginia Wells Fargo Complaint
August 11th, 2011

We refinanced our mortgage loan with Wells Fargo in April 2008. We are an African-American family. We went through a mortgage broker by the name of LendAmerica. I am on disability. We came to them to get out of an ARM mortgage. Our mortgage loan balance was approx. $220,000. We had filed for Chapter 13 bankruptcy in 2003, we paid and completed the terms of it and it was discharged in 2005. While going through the process of refinancing for an FHA fixed rate 30 yr mortgage loan, we were pressured into believing that we had no choice but to add any remaining balances which had been discharged by the bankruptcy terms that still appeared on our credit report onto our mortgage loan. They also asked for extensive medical information about me and my family. They increased the amount of our income and greatly increased the amount of the value of our home on the loan documents. They never did an appraisal on our home. Right at the end, near closing, they came up with what they called a HUD settlement addendum with a bunch of additional charges. When all was done, our mortgage loan was then, approx. $302,000. Our monthly payments are now $2,189.68. We could no longer afford the payments,but were told we had no other options. I immediately started trying to work something out with Wells Fargo, explaining that we couldn\'t keep up the payments and was told repeatedly that they would not help us until our loan went into default. They played a cat and mouse game with us for over a year, telling us they would modify our loan, but dragging out the process. We were falling further and further behind until finally our home went into foreclosure in September of 2009. By the grace of God, our family raised over $20,000 for us to pay Wells Fargo and their lawyers just before they took our home. We have been current on our payments since Oct. of 2009, but only because our family is helping us to pay the bills until something can be done. We are upside down in our mortgage because of their deceptive practices now and everywhere we go, no one is able to help us. This is my family land and we\'ve had this land for hundreds of years. We are drained financially and this is draining our parents financially as well. Wells Fargo knew that I was on disability with a fixed income and I believe they approved our loan knowing that we would fall behind and they would get our land. Can anyone please help us?

Posted in Wells Fargo

Washington Bank of America Complaint
April 24th, 2011

We missed one payment to a morgage company that went out of buisness we were not notified that bank of ameriaca had taken over our loan we made our payment to the deceased morgage company we then recieved notice from bank of america that we owed 10,000 dollars in late fee,s we just recieved notice that bank of america has the option of not taking any of our payments I think this is under handed and vwery illegal

Posted in Bank of America

Washington Chase Home Finance Complaint
September 29th, 2012

short sale after 26 month effort toward loan mod. failed

Posted in Chase Home Finance

Washington Citimortgage Complaint
February 28th, 2011

Horrible and a bunch of liars. on my 2nd trial mod now. Nobody knows anything and they keep telling me different things. they have me in a 2 nd trail mod and my house up for auction on May 27th 20ll. I cannot write this up I AM SO MAD AT THEM |!!!!!

Posted in Citimortgage

Washington Countrywide Complaint
May 19th, 2011

My lender changed all documents after signing them. I was put onto an investor loan with negative amoritization. I did not sign with a closer it was justyt the agent and i.

Posted in Countrywide

Washington DC Chase Home Finance Complaint
April 21st, 2011

I was only 2 months behind and instead of being offered a repayment plan for about $3000, I was sent letters about a loan mod and told not to pay. Chase said it had all my docs and then said I was missing docs. They rejected my loan mod once and told me to reapply. I\'ve reapplied at least 3-4 times because they keep saying it\'s pending and there is no record of previous info. In late Jan/early Feb 2011, Chase said it went to underwriter with decision in 45 days. In mid April 2011, Chase said it went to underwriter earlier this month. They have no record of January. This has been going on for 2 yrs and no resolve. After trial payments, I am now more than a year behind in payments and my credit is ruined b/c Chase\'s Dept is in shambles. Please help so this doesn\'t happen to countless others, although it already has. Someone has to stop them.

Posted in Chase Home Finance

Washington EMC Complaint
March 31st, 2011

In 2/09 I started the modifying process with EMC/Chase. after jumping thru many hoops, they offered me a loan modification in 6/10 with 1st pmt due 8/1. I made 2 payments after I signed the documents and sent them back in. they accepted these payments. when I called to make my 3rd payment they said I owed 25,000 I said what I have the modification, he said he saw it in the records but for some reason it wasn\'t recorded. he told me to call the underwriter, I did and got no response. Now they say I have to pay 35k to stay in my house. over these past several months I did pay a variety of payment amounts (1550, 675, 1327.31) they show no record of these payments adds up to 24k. after I signed and sent back the loan modification they sent, they sent another with not as good a terms. and they were tacking on the full 35k to the loan balance. Help please. Jenny

Posted in EMC

Washington First Horizon Home Loans Complaint
May 19th, 2012

First Horizon is unwilling to accept a payment without a $15. fee or unless I make the next payment in advance of its due date. They have online payments and phone payments that are free, but they require advance payment for the following month and if I call to make a payment they will charge. Essentially this practice is forcing me to send a payment so that they can collect a $10 service fee. Their policies and practices are designed to force people who may to struggling to keep current pay additional fees.

Posted in First Horizon Home Loans

Washington Indymac Bank Complaint
April 5th, 2011

I am currently deployed oversees. I have an extensive file showing that they had committed contract altering, notary fraud, tampering with closing documents, altering dates, and forgery in our mortgage contracts. Also including incorrect legal descriptions. We have been trying to find an attorney that will represent us. We believe that their deed of trust is not binding.

Posted in Indymac Bank

Washington Washington Mutual Complaint
May 8th, 2011

This is an old mortgage and is not typical to your questions. The people /I speak with have no ineigrity--they tell blatant lies.

Posted in Washington Mutual

Wisconsin Chase Home Finance Complaint
April 7th, 2011

I was approved for a modification and set up the trial payments to be automatically deducted from my checking account. Chase only took one payment and then said that I did not make my payments and will not qualify for modification. Now htey started to foreclose.

Posted in Chase Home Finance

Wisconsin Household Finance Complaint
May 30th, 2011

HFC does \"private label\" mortgage loans, securitizes them, but keeps all the docs to pretend it is an old fashioned mortgage loan.

Posted in Household Finance

Wyoming GMAC Mortgage Complaint
March 31st, 2011

To whom it may concern; I believe I have been fraudulently foreclosed upon. I have spoke with numerous lawyers and they feel that I have a good case, but they are not taking on any more clients at this time. I was recently contacting GMAC prior to the foreclosure date to try to work out arrangements to pay back the delinquent amount. On Feb 24th I was contacted by GMAC and told that I was in review for a modification and that all foreclosure proceedings will be postponed. At this point I was relieved. The GMAC rep. told me to call the following week to get all the information on the modification, for it would take them a few days to figure out all the paperwork. On Feb. 28th they foreclosed on my home and sold it. I found this out after I called back to see what my new payments were. Till this day I have applied for the HAMP program and numerous “GMAC” in house programs. I was approved for a temporary loan modification prior to foreclosure, but was only given 2 days to make the $1250.00 payment. I tried to call GMAC to make arrangements on this to be paid after my payday, and they said no. therefore I was in default of a temporary loan modification. After I applied for the HAMP program they didn’t tell me for weeks that I was denied. I even hired US Doc Prep to prepare all my documents for GMAC, so there would be no confusion. US Doc Prep said that I would have no problem getting approved for this program. GMAC told me that I did not qualify. I think they just want to sweep this under the rug and collect the money for their pockets. They said in order for me to reinstate this loan I would need to come up with almost $25,000.00.not counting attorney fees. That is far from the $10,932.12 that is on my paperwork. I have done some extensive research in the last few months, and found out that I am not the only person in this situation. I do not know were else to turn. I have no other options. Please help. I can provide more information upon request.

Posted in GMAC Mortgage

1464 Kelly Court California Wells Fargo Complaint
June 7th, 2011

Unpleasant customer service. They missed or lost paperwors and have said because of the transition between Wachovia to WF. They told me that they will postpone the NTS but the rep never did.

Posted in Wells Fargo

ABELL Maryland Wells Fargo Complaint
August 12th, 2011

we are in midigation

Posted in Wells Fargo

abingdon Virginia NationStar Mortgage Complaint
December 20th, 2011

Im not sure on all the points but we had an original loan with countrywide,we fell behind 90 days and sent them $1500 to catch up and they kept the money 6weeks, sent it back and said we were too late. they kept us going for over a year said they sold the house to deutche bank and kept going through several mortgage companies, we had no idea what was going on finally nationstar modified our loan and after the first payment my husband got hurt and was unable to work so we couldnt make the next payment. Our children had been put on the deed by my father (under age) and the bank sold the house, paid each child $12,000 without benefit of an attorney (they are over 18 now)and evicted us even though we could have and were more than trying to work with them. now the house has been empty since August 10,2011 and I have begged them to work with us to rent to own or help us obtain a loan.

Posted in NationStar Mortgage

Abita Springs Louisiana Saxon Complaint
April 13th, 2011

I have fought for 3 years to save my home and Saxon fought againt me. I tried to settle with Saxon directly; I hired a Remod company for $2,000. The remod offer for both tries were unaffordable. My daughter offer to buy the house to keep it in the family - Saxon refused. After being denied on the phone by Saxon for a Hamp my attorney helped me with Hamp application. Saxon offered me a lower adjuster rate however the principle is now higher than what my house is worth. There is nothing to do but walk away from the house which is what I am doing now.

Posted in Saxon

acampo California Indymac Bank Complaint
May 3rd, 2011

I am not sure how to answer some of these questions.i had a first and second on my home. The second was a private loan. I fell behind on mortgage pmt, going thru divorce. 6 months prior to forclosure. the lady in second position who was my title officer for my real estate transactions, I am a developer. The lady in second position came to me and said i am in first position you nee to pay me not the bank. So i called the ban numerous times 6 months prior to foreclosure to ask to modify my loan because my house is not worth what i owe and who is in first position? They never responded to me. I faxed. e-mailed them the guarantee that the lady in first gave me stating that she is in first postion. The bank never responded. I have a copy of all the e-mails and faxes. Without notice they forclosed on me in May 28, 2009. The lady in second took them to court and lost. I am still in my house but they have given me notice for possesion. Please help me.

Posted in Indymac Bank

Accord New York Bank of America Complaint
December 4th, 2012

In 2009 we were told we were eligible for a home retention modification as we could not afford the mortgage payment once the interest rate increased. We paid the reduced amount and was strung along for over 7 months when were were told we in fact did not qualify, and found ourselves thousands in arrears. Since then, we have been unsuccessful in our attempts to reach an agreement and they no longer accept my reduced check. Until recently, we were unable to speak with the same person twice. I respectfully request assistance with answering this summons and possibly be added to any class action suit with regards to this matter.

Posted in Bank of America

Acworth Georgia Bank of America Complaint
August 31st, 2012

Bank of America who apparently purchased our mortgage from Franklin First Financial LTD has the name on the paper work wrong, they have not been honest in their communications with me, I have been trying for 3 years to abtain a loan modification from them, they assign me new agents constantly and make me keep resubmitting, now I learn they are foreclosing on me and they did not warn me, I just got letters 8-30-2012 that my home is being sold out from under me on October 2, 2012

Posted in Bank of America

Acworth Georgia Citimortgage Complaint
June 10th, 2011

Dear Bank Class Actions, I would like to initiate a lawsuit against CitiMortgage. I am not looking to file bankruptcy. They systematically slowed me up in modifying my home by losing documents and not returning calls. I sent endless faxes of documents and each time, they were lost. I received an email three days before my foreclosure date sale and found out at the last minute, they had all documents, and I was wrongfully denied modification to save my home. I am seeking damages, please tell me where to start. Sincere thanks, Delores Riggie 770-529-4794

Posted in Citimortgage

Acworth Georgia Countrywide Complaint
July 27th, 2012

Sold to BOA, they refused a modification when lost job. Got behind, caught up and they sold me to another group Ocwen. Nasty group. They did not communcate except to tell me I was behind after they tol dme I had a grace period for THEM to get their records up to date. Terrifying.

Posted in Countrywide

Afton Wyoming Countrywide Complaint
April 7th, 2011

During our time with Countrywide, someone gave our personal information to outside sources and we paid them $1,000. each to modify our loan and didn\'t get anything in return!!! Countrywide then was purchased by BofA. Our information was given to so many sources, several years, ago they were contacting us all the time and at that time I was very ill.

Posted in Countrywide

Aguada, PR Florida Baxter Credit Union Complaint
August 28th, 2013

My experience with this bank and subservicer is awful. I\'ve been deceived, and even I have the proof and evidence of the wrongdoing, they keep harming my credit, and the right law process.

Posted in Baxter Credit Union

Aiken South Carolina Aiken Housing Center Complaint
June 17th, 2011

The lender was fine. the deler gave me a bad deal and wrong information and have caused my family a lot of heartache

Posted in Aiken Housing Center

Albany Georgia Bank of America Complaint
January 4th, 2012

I requested numerous modifications and sought other options since 2008 because there were problems with the roof that the previous owner never disclosed. Consequently water leaked throughout the home and formed mold and I had to move because I\'m allergic to 9 different types of mold. I contacted BOA with this information and wasn\'t able to come to a resolution for mold remediation of my home. BOA approved me for a Deed in Lieu of foreclosure in November 2011. Still waiting on final legal documents.

Posted in Bank of America

albany New York Citimortgage Complaint
May 30th, 2012

NEVER missed or was behind on mortgage pymts. i responded to modification solicitation from my lender. was offered a 6 month forebearance while modification was in review. 5 months later received a default/foreclosure notice. contacted lender and atty\'s now representing them w/proof of payment to no avail. hired a local atty to represent me vs the lender. 9 months and $5000 later my home was foreclosed upon. \"criminal\" would befit the situation.

Posted in Citimortgage

Albion Pennsylvania Ocwen Federal Bank Complaint
June 18th, 2012

My loan was at first owned by litton who for what ever reason decided to escrow my taxes at a level that i would have not paid them for 10 years the raised my payment to three times it original amount, not able to aford this late charges started to accumulate, after months of dealing with the local municipalitys the money was returned to Litton but they refused to remove all the penaltys imposed by them for the wrongfull escrow and inflated payments, they then sold the loan to Ocwen who now continues to say i am several months behind and the fees are now almost $5000 and they are threatening foreclosure

Posted in Ocwen Federal Bank

Albrightsville Pennsylvania Bank of America Complaint
September 9th, 2012

they encouraged me to fall behind to get a modification, than kept asking for the same info, many times, did not return calls for a year, kept changing case managers than at the one year date they began forclosure proceedings saying I don\'t qualify for any program.

Posted in Bank of America

Albuquerque New Mexico Bank of America Complaint
February 23rd, 2011

Me and my wife fell behind on our mortgage and for the past two years we have been tring to catch up but payments have been applied to miscellaneous payments. We have been told that our regular payments are several different amounts. Told not to make payments so we can qualify for the homes affordable plan, then turned down ect.

Posted in Bank of America

Albuquerque New Mexico Countrywide Complaint
February 28th, 2011

The \"lender\" First State Bank NM notified on approx. 6/2/2003 that Servicing Only was transferred to Countrywide Home Loans Servicing LP and 1st pmt on 7/1/2003 should be sent to them. Foreclosure file 9/17/2009-still in court

Posted in Countrywide

Albuquerque New Mexico Wells Fargo Complaint
March 27th, 2011

Presently receiving Social Security Retirement / Disability. Lost job in 2009 went on unemployment. Tried to refinance through HUD HAMP program was denied for insufficient income (unemployment not counted). Second try and rejection when began receiving Social Security in July 2010. Third try and rejection after credit counseling. Have written NMAG, OCC and FTC. On limited savings with negative balance each month. Wife and I are both handicapped and WF won\'t refinance to lower rate in-line with our current income.

Posted in Wells Fargo

Alburtis Pennsylvania Ameriquest Mortgage Complaint
July 26th, 2012

My home (that I am still occupying) was sold 7 months ago! About 1 month ago \"Deutsche Bank Trust Comp. as trustee of Ameriquest Mortgage Securities, Inc. asset-backed pass through certificates... under the pooling and servicing..\" blah, blah, blah... had gotten final approval (Order of Court) to eject me. I am currently having both a Forensic Mortgage Audit and a Securitization Audit run, which should be completed within a few days. I plan to sue the bank for wrongful foreclosure AS WELL AS fraud. I\'ve been studying constantly, as I plan to proceed Pro Se. Wish me luck!

Posted in Ameriquest Mortgage

Alexandria Louisiana Bank of America Complaint
April 26th, 2011

have jumped thru BofA\'s hoops for over 2 years, have just been told 2 weeks ago that they will not help me w/loan modification..they tell me that at this time there is no open foreclosure on my home but that\'s subject to change at any moment..i now also believe that my original loan w/countrywide was a predator loan

Posted in Bank of America

Alexandria Virginia Chase Home Finance Complaint
October 6th, 2011

Lender cannot show my Note or my Note assignment from previous lenders

Posted in Chase Home Finance

Alexandria Virginia Deutsche Bank National Trust Company, as Trustee for Fremont Home Loan Trust Complaint
May 10th, 2012

I was a Realtor and I generally made over $225,000.00 per year until the mortgage mess started in May 2007. I was never late on my payments. When I no longer could loans so that people could buy a home, I then was making no money other than my retirement income. I am 75 years old and I want to stay in my home until I die. I called the mortgage company, America Servicing Center and explained my situation to them and asked them to give me a loan modification with a payment that I could pay with my retirement income. I asked that the payment not exceed $2,500.00. They had me send them papers for a loan modification 17 different times. They wrote me numerous letters telling me that they wanted to work with me. They even told me to send them a short sale for my home and I did. They did not even process it. Even after the foreclosed on me Feb 14, 2011, they sent me a letter in March and ssid that they wanted to work with me for a loan modification. After they forclosed on me they went to Court for an Unlawful Detainer. I am still in my house. I got an attorney who filed a law suit against the bank and a Les Pendins against my home. In February 2012, the attorney that was supposed to be representing me agreed with the Lender to non suite my law suite and the Judge agreed and I was never even consulted that this was what my attorney was planning to do. I just want my home with a payment that I can pay until I die and I will even will my home to them. Just help me to get my home back.

Posted in Deutsche Bank National Trust Company, as Trustee for Fremont Home Loan Trust

Aliso Viejo California GMAC Mortgage Complaint
November 17th, 2011

Husband and wife hold title-wife the only trustor on deed of trust-wife unemployed since 2010-2 denials of mod OR refinance -working on third request under the HARP program,

Posted in GMAC Mortgage

Aliso Vieno California Countrywide Complaint
January 23rd, 2012

keep being denied on loan mods, loosing paper work, being gtransferedto department tom department no one knowing anything. beintg denied the day before foreclosure.

Posted in Countrywide

Allen Texas Litton Loan Servicing Complaint
August 23rd, 2011

I do not have the omitted information at this time, but will supply that information when requested.

Posted in Litton Loan Servicing

ALLENSTOWN New Hampshire Citimortgage Complaint
March 7th, 2011

We did a modification loan we payed all our payments for the six month period and on our sixth payment we were told to contact the bank (citi morgage) and find out how much our loan payment would be and were to send it thats were all the fun would begain no one would talk to us and when they did we got the run around this went on for about 6-8 months till the point were our lawyer got involved and threaghten to sue citi morgage a week later our house went up for auction ( this was after our lawer went to court with citi morgage and they were to get back to us on an amount to pay for our monthly payment ya... that never happened now we are foreclosed on and are in the process of being evicted from our home and no one seems to be able to do anything about it not even the courts !!! pretty sad that america has come to this

Posted in Citimortgage

Aloha Oregon Saxon Complaint
June 21st, 2011

They are reporting my mortgage to be part of my chapter 7 Bankruptcy, claiming the letter of reaffirmation was not filed.

Posted in Saxon

Altadena California Chase Complaint
March 17th, 2011

Chase has been giving not just me but the Better Business Bureau and Dept of Consumer\'s Affairs the run around with my mortgage.

Posted in Chase

Altadena California Chase Home Finance Complaint
April 20th, 2011

It took nine months during the transfer of Wamu to Chase bank to get a trial modification. After 9 months I was denied a permanent modification. I went to a forebearance but it was too expensive. I am presently back being considered for a modification again. I am still waiting. Its been 2 1/2 years.

Posted in Chase Home Finance

Altadena California Wells Fargo Complaint
December 31st, 2012

We are with Wells Fargo ? Americas Servicing Company. Have been ongoing in Loan Modification process for about three years and eventually filed BK then went to Siringoringo Law Firm for Loan Modification. Currently placed on a payment plan however Bank representative has not returned calls on status. Have no trust in this Lender.

Posted in Wells Fargo

altoona Pennsylvania Household Finance Complaint
June 30th, 2011

dont want to talk to me and they wont talk to me tell there is nothing they can do

Posted in Household Finance

Anacortes Washington Countrywide Complaint
May 27th, 2011

I was put in forclosure in 2008 I believe I sould be part of the class action lawsuit against CW now BOA I tried to get a loan modification and everytime I called CW 2 to 3 times a week they ran my credit. I also recieved letters from other morgtage companies with my exact amount of my loan and stating they could re fi which I find interesting as CW was involved in a class action lawsuit in the State of WA, I email the Atty General to ask for info and was told CW will dispirse funds...yea right I have recieved nothing but a credit score off below 500 and each month BOA dings my credit now as they have me in forclosure but have not moved forward.

Posted in Countrywide

ANAHEIM California Bank of America Complaint
July 29th, 2011

Started Loan Modification process October 2009 as we had medical expenses and the birth of twins. Have complete diary of people spoken with at Bank Of America including dates. Finally after complaining enough, was told we would get the loan modification - only to find out that Bank of America did not participate in the Obama Loan Mod - rather we would get a Bank Loan Mod. Was never given any options and morgage only went down about 100. Yes it now includes Property Taxes and Home Owners Insurance, but still cannot afford. Signed the Fedex documents and had them sent in by the date requested, even verified by email that they had received our first new payment in Nov 2010 only to find out that in March 2011 - the documents were never approved - because the notary signed in a spot she shouldn\'t have. B of A tried to change our morgage amount and now it\'s more than the signed amount we agreed to. We pay our morgage on the 15th and we get calls - from the 1st day of the month until we pay on the 15th. They will call at least 5x a day. Ridiculous - and we never signed any new documents.

Posted in Bank of America

Anaheim California EMC Complaint
May 15th, 2011

I Have been in the process of a loan modification for over two years with no results

Posted in EMC

Anaheim Hills Select Wachovia Bank of Delaware Complaint
November 8th, 2012

Would not have borrowed from Wachovia If informed of their drug laundering , Wachovia Paid small fine for nearly $ 400 Billion of Drug related money laundering , Wachovia fined $ 50,000,000 fine for failing to monitor cash used to ship 22 tons of cocaine to our Country …..We were not informed of this type of banking for our loan.. Did the money we borrowed come from retain earnings from money laundering…? What about Wachovia and Wells Fargo violation of the Patriot Act for financial gain, Did our Loan funds come from that violations..?

Posted in Wachovia Bank of Delaware

Anchorage Alaska Chase Home Finance Complaint
June 11th, 2011

no one listens, no one makes notes when you call, you speak with a different person every time you call. I have been trying for 5 months to fix the problem with chase and have had no luck, every time I called in I took the name of the person I spoke with and asked about my modification and they all had the same questions of why you are behind and basically made me feel as though I was worthless for being behind and when could I pay. Sent them so many pieces of paperwork they asked for yet never got anywhere. Finally got to the point I have decided to short sale my home to be done with chase. I am tired of trying to fight to keep my home.

Posted in Chase Home Finance

Annandale New Jersey Chevy Chase Bank Complaint
May 23rd, 2011

My now deceased husband wanted to buy this house for My now deceased husband wanted to buy this house for $3,499,000. He had no money of his own but I did. I sold my house that I lived in for $800,000. and then I added another $600,000 from my investments. The rest we had in mortgages. My husband had an investment that he was working on that would generate a large sum of money. He died before the investment came through. He and the broker did all these unusual things to get the mortgage. We did not have to have a verification of income, so we did not have to show an income tax report. This is where my problem arose. There were four representatives from banks and broker and when I began to read the papers that I had to initial my broker and husband told me I did not have to read them as the papers wer about an inch high. They said everything was in order. One of the papers said we had a business that generated $79,000 a month. We had a small mail order business that was in the red. Because I was coerced into signing these papers the bank said I was liable. I lost everything I owned and now live on only social security and live with my children. I am 77 Years old. Please help ;;me get some of my money back so that I can live with dignity. Thank You for any help you can give to me.

Posted in Chevy Chase Bank

Apison Tennessee Wells Fargo Complaint
June 24th, 2011

I was unemployed and Wells Fargo put us in a program for a while and then told us the government no longer requires them to count unemployment benefits as income. Then they offered us a modification program, we completed everything and sent in payments. after 2 or 3 months we asked them about or status and we were told they never recieved our signed documents (no trackin or recipiant signature process involved)so it is to late, we can no longer qualify for any modification program. After raising enough stink with them they offered us a modification at a higher monthly payment than our original mortgage (loan value, back payments, interest on interest). At this point and time our highest appraisal from 2 yrs earlyer was 240k, our dept owed to Wells Fargo was 170k, our current market value on the home was 140k if lucky. Ww decided to let it go. A realter contacted us with a fanny may program to vacate the home in a very short period of time ($1800 to vacate in 7 days, $1200 to vacate in 15 days, $800 to vacate in 30 days) we had to choose and sign off on an option emediatly. Before we even had time to start house hunting for a rental let alone pack everything and prepare to move.

Posted in Wells Fargo

Apollo Beach Florida Saxon Complaint
July 12th, 2012

This house is currently a rental property that I own after being forced to move to another state to secure a job. In November of 2011, we applied for a modification based on the 10 1/2 interest rate. Saxon lost several copies of our application and ignored our calls repeatedly while reporting my payments as late and destroying my credit rating. In April of 2012, after several long phone conversations and more than $600 in fax fees resulting from sending the same forms to them over and over again, our loan was transferred to Occwen, who now claims to have no record of our modification request and has sent me a notice of default. They are negotiating with me now, but damage has been done. Because of my poor credit rating, I was forced to use all my retirement savings to purchase my current house for cash because I was unable to secure a mortgage.

Posted in Saxon

APOPKA Florida Wells Fargo Complaint
May 8th, 2011

I will at later date.

Posted in Wells Fargo

apple valley California Bank of America Complaint
April 4th, 2012

I have almost all of this info & more. I have trust-issues due to being so scammed by our lenders & associates. I also have suspicions of the lender LOSING THE NOTE,and many FRAUDULENT ACTIONS in which I can prove. I am in desperate need of help to get justice.

Posted in Bank of America

Apple valley California Indymac Bank Complaint
March 25th, 2011

We have a sale date of 4/11/11. We were in a loan modification for 17 months and did not qualify.

Posted in Indymac Bank

Apple Valley Minnesota Bank of America Complaint
March 18th, 2011

Bank of America Home Loans (BOA) offered me a modification June 2010. I accepted it within the time limit. BOA cashed the check I included with it. I have made every modification payment on time and in full. BOA is starting to foreclose on my home saying they haven\'t \"decided\" on my modification even though they offered it to me and I accepted. I called with each late notice and was told to ignore them since I was on modification. I have documentation of all calls. I find out now that my acct with BOA is so messed up that part of my acct says I\'m on modification and part says I\'m not. BOA will not work with me to correct their error and work out payments. I am quite ill and don\'t need this on top of all my medical bills. This added stress is seriously complicating my health condition.

Posted in Bank of America

aptos California Bank of America Complaint
May 29th, 2011

i applied for a loan mod i after my business had financial issues in Sept.08 and internal theft. I had to go BK, after 30 yrs of excellent credit,in Feb. 10. We have been tring to work out a loan mod with BofA to stay in our very upside Home. I am rebuilding my business with steady cash flow. BofA says there are no programs to help us. Yesterday I got a letter from BofA saying that they are transferring our loan from BofA home loan services to BofA. I have heard about class action suits, also attnys that can get 2% 30 yr. fixed loans. Is this real? Can you help?

Posted in Bank of America

ardsley Pennsylvania Chase Home Finance Complaint
May 2nd, 2011

our mortgage payment after refi was 2423.00 monthly.we paid that amount for 3yrs or more.we needed help due the fact of loss of 2000 dollar a monthly there was no guarantee when that would change so we applied for a modification we were denied after been put on partial payments of 1500.00 a month we made every payment and was still denied,so we tried again ounce agained we were.we recieved notice that LBPS became the new processor of our chase loan our loan#11754209.we were given notice of foreclosure 4/27/11 which has been postponed to 5/25/11.thankyou

Posted in Chase Home Finance

Arizona City Arizona Bank of America Complaint
May 11th, 2011

I am being told by the bank\'s loan refinance dept. that I need to make an appointment to meet with loan modification dept. I have been trying to do so for 2 dats, but every time I call get voicemessaging and tells me to leave my info and they will call back, which they haven\'t.

Posted in Bank of America

ARLINGTON Texas Bank of America Complaint
January 4th, 2013

Fell behind on payments, boa said i qualified for modification, kept requesting same paperwork over and over. said they would delay sale date, requested more paperwork day before sale and again said they would delay sale. one week later a man came to my home saying he bought the property.

Posted in Bank of America

Arlington Texas Countrywide Complaint
July 22nd, 2011

I tried to work with the lender regarding my loan. When I received a letter from the lender, they keep asking for the same paper work, and telling me that, my case has been in the system more than three months. Every three months I sent paper work. When I did get a response back, I was told that they were unable to work with me on the, Home Affordable Modification Program Hardship. I ended up doing a short sale on my home.

Posted in Countrywide

Arlington Texas EMC Complaint
May 15th, 2011

My husband &I followed EMC instructions for loan modification qualify. After 2years, of getting the run around, told us we lied about income. Our adjustable loan kept getting higher even though interest rate lowerd. Turned down 3 times for loan modification. EMC put our loan for 26,000 ( we have an 80-20 loan), sent it to collections. WE H AVE NEVER BEEN LATE WITH A PAYMENT . It has been a nightmare.

Posted in EMC

Arlington Texas Ocwen Federal Bank Complaint
July 8th, 2012

they are charging me more than I suppose to pay. I am paying my insurance out of the loan.

Posted in Ocwen Federal Bank

Arlington Virginia Citimortgage Complaint
June 7th, 2012

In July 2009 I entered into what was essentially a six-month loan modification agreement with my mortgagor, CitiMortgage (although they–I believe erroneously–referred to it as a “forbearance agreement”). I followed the provisions of the agreement to the letter, but at the end of the six months, they declared me in arrears, demanded immediate payment of the arrearage or else face foreclosure, and assessed me nearly $800 in delinquency fees. The original agreement–of which I have a copy–was very simple and only three pages long. It was completely silent with regard to putting me in arrears, being liable for delinquency charges, or placing me in danger of foreclosure. After sheaves of correspondence and hours of phone calls back and forth with CitiMortgage, they steadfastly refused my requests to reverse the delinquency fees, stating that the agreement did not obligate them to. However, as I mentioned previously, neither did it obligate them to assess the fees in the first place. Although they are not demanding immediate payment of the delinquency fees, every month they send me a letter reminding me that they are due, and will remain so until paid or the home is sold or refinanced. One of their agents told me “confidentially” over the telephone not to worry about it, as CitiMortgage will not make a concerted effort to collect these fees in the interim. Nevertheless, this matter appears to me to be patently unjust. Had I known in advance the repercussions I would face as a result of it, I likely never would have entered into the agreement in the first place. But, what’s done is done, and CitiMortgage smugly denies any malfeasance or wrongdoing on their part, and considers the case closed. Do I have any recourse?

Posted in Citimortgage

ARLINGTON Washington Bank of America Complaint
May 24th, 2011

Bank of America, sent a \"Notice of Default\" today May 23, 2011 from Recon Trust and is starting a foreclosure sale. I have been dealing with BofA since late 2008 on trying to obtain a loan modification or other assistance. After HAMP was inacted in 2009 I have applied four times and have been denied each time. A few of the legal issues I would like to address with BofA are: -I was offered a Trial Plan in Sept. 2009 with a payment that was based on $9,900/month income (When I applied I stated $4900/month) -I was told the Trial Plan had errors and to disregard it and wait for another packet, which never arrived. -I have applied for HAMP three times since then and been denied based on \"Trial Plan Default\" for the Sept. 09 plan (which never started) -I have been denied based on BofA claiming I did not send in documents; which I have return receipts for. -I have sent BofA several requests for documents, history, NPV results, and have not received any responses (I have return receipts) -Recently I had a \"personal rep.\" assigned to my mortgage who told me through email the reason I could not get assistance was that I needed to make more full payments and had to have 12 consecutive payments and then I would be APPROVED for my HAMP Mod. I used my entire savings making payments of over $7000 and after notifying my Rep. she stated my application had expired. -Today I receive the \"notice of default\" with the WA loss mitigation form stating that BofA exercised due diligence to contact me and offer assistance (I have never received any such notices) That is a just a sample of some of the issues I have with BofA. From my amatuer knowledge the bank has violated many guidelines and laws with my mortgage. Basically, I want to keep my home and will do Anything possible to do so. I would like to file a lawsuit, join any pending class actions, or start a new class action. I know there are many more people out there in the same situation as my family is. Please let me know if you would be interested in defending my family against the bullying of BofA. I am sick and tired of being pushed around and lied to by them and feel they should have to explain themselves to a Judge or Jury.

Posted in Bank of America

ARROYO GRANDE California Aurora Loan Services Complaint
May 20th, 2011

i have been trying to get a modification on my loan for three years. Just kept hitting a wall so i hired a Group called Attorneys Legal Group in Los Angeles..but they have not really done much, until they found out there is a sale date on my house that i didnt even know about..my lender is Aurora..i saw there is a class action suit against them..

Posted in Aurora Loan Services

ashburn Virginia Bank of America Complaint
January 9th, 2012

My lender is been very illusive with me since 2009 ever since they acquire countrywide loan. I tried to apply for loan modification through home affordable program but they persuaded me to refinance and told me that i could apply for modification later on. They lured me into refinance knowingly so I would become ineligible for the Making home affordable Program as that program applies to people who haven\'t refinance since 09/2009. I was refinanced in 10/2010. Also I sent BOA requesting to provide an evidence as who actually own my note, they never responded to me. whenever I call for modification they gave me runaround and provided me so many different numbers and department within bOA to make me frustrated and eventually accept their fraudulent offer to refinance. Also both of my notes are listed under \"MERS\". Therefore I plan file suit against BOA for \"Quite Title Action\" I just need some legal directions and willing to support any any class action suite against BOA

Posted in Bank of America

Ashburn Virginia First Horizon Home Loans Complaint
June 21st, 2011

Refused 2 times for not documenting financial hardship.

Posted in First Horizon Home Loans

Ashburn Virginia Wells Fargo Complaint
July 22nd, 2011

I am trying to the loan modification and bank is taking to long it has been over a year and not done any thing. I have interested only loan @5.87 persent fix for 30 years and I have only one loan no second mortage thx.

Posted in Wells Fargo

Ashfield Massachusetts American Home Mortgage Corp. Complaint
March 1st, 2011

My original lender registered the loan into MERS, I found a recorded assignment to Wells Fargo and nothing after that. I lost my job in 2008 and had never been delinquent before that. The servicer is GMAC and they said they would work with me. For a year, as I liquidated savings and my retirement, and I did get another job in the meantime, they said they would consider allowing me to divide part of my property to sell so I could pay down the principal balance and refinance. They lied. After I ran out of money they said I had to be delinquent before they would consider me for a modification. As soon as I went delinquent they said they couldn\'t help me and Deutsche Bank started foreclosure. I filed CH 7 BK and the debt was discharged in 10/2009. They filed to have the stay lifted and still have not foreclosed. The house is in Virginia is going to ruin and has been empty since 9/2009. I think the title is not clear and I want to know why they said they would work with me and did not. I have had to leave the state of VA to move to MA and this situation has caused unbelievable heartache just to have the house empty for a year and a half.

Posted in American Home Mortgage Corp.

Astor Florida Sun Trust Mortgage Complaint
March 19th, 2011

CHRONOLOGICAL SUMMARY OF CORRESPONDENCE January 21, 2009 – Received letter from SunTrust Mortgage indicating that our January payment was overdue. That was the first month we stopped payments after talking to a SunTrust representative sometime in late 2008. We were told there were programs available for landlords to be able to mitigate their mortgage and reduce their payments if they were going through a hardship. However, we were also told that no one from the bank could discuss that with us until our payments were three months overdue. (See Item 1) March 23, 2009 – This is the hardship letter and financial information we sent to SunTrust for the first time after receiving their Mortgage Mitigation Package (See Item 2). April 28, 2009 – Letter from SunTrust stating that if we would qualify for a loan modification our interest rate could be adjusted; we could extend the term of the loan and/or add the missed payments into the new mortgage loan. Most significantly, on the back page, there are two statements indicating that the application review process could take up to 45 days (See Item 3 front & back). May 21, 2010 – Eleven months later, after many phone calls and repeatedly updating our information, we finally received the Loan Modification Agreement. The terms called for us to pay $1,664.94 a month, which comes to $160.21 a month more than our previous payment of $1,504.73. This would give us a positive cash flow of $5 a month if we had no vacancies, no utility bills to pay when we had a vacancy, no cost for rent collection, no maintenance, repairs, refurbishing between tenants, replacement of appliances, no advertising costs to find new renters and on and on. In addition, paragraph 2 of the Loan Modification Agreement changed our previous fixed mortgage to a variable rate mortgage after the first five years. An additional problem is that the new balance was $196.238.84 which is over twice the amount we could clear if we could find a buyer. (See Item 4) May 19, 2010 – Two days prior to the date on the SunTrust Mitigation offer, we listed the home for $199,000. Attached is correspondence showing several reductions until on January 11, 2011, we reduced the price to $99,000. There have been no showings and no offers even at this reduced price (See Item 5). August 17, 2009 – This was our response to the Clerk of the Circuit Court with a copy to Marshall C. Watson, P.A.. It explains our hardship, the fact that there is no market for the property, and that our credit has been destroyed due to our rental property loan. It also shows our good intentions because although the loan was in mitigation, we installed a new air conditioner and were having a new roof installed at that time. These were essential improvements that were necessary if the duplex were to continue to be livable. (See Item 6) June 12, 2010 – We responded to the Loan Modification offer with a logical explanation as to why we could not accept the offer. We also suggested that we could accept an offer with the interest rate reduced to 4% for 30 years with the loan reduced to eliminate the accumulated interest during the long time we were waiting for a reply, and if we were to add in the back escrow and legal fees (See Item 7). July 24, 2010 – After Orville received a phone call from Jamisha Howard in the SunTrust Mitigation Department, we faxed additional information to her to explain our continued hardship situation and to request a reasonable mitigation (See Item 8). October 22, 2010 – We received a letter from SunTrust Mortgage indicating that an inadvertent clerical error was made in their reporting to the three credit bureaus. They failed to give us credit for payments on our primary residence – for the second multi-month period – although we have made all of our payments on time on the SunTrust Account # ending 4332. (See Item 9) November 1, 2010 – We were refused the Loan Modification based in whole or in part on information received in our credit report from Equifax. I guess the inadvertent clerical error was not corrected by Equifax, which means that due to an error made by SunTrust, our credit was damaged and we were denied a modification (See Item 10). March 1, 2011 – An Equifax Report shows once again that we pay 61-90 days late on our primary residence as reported by SunTrust Mortgage. We have never paid the mortgage late on this, our primary residence. Note that in October, 2010 we received a letter of apology for their incorrectly reporting that we paid late to all three credit bureaus. Apparently, a similar error has occurred once again. I haven’t checked, but all three credit bureaus probably now have the same incorrect information. (See Item 11)

Posted in Sun Trust Mortgage

Atascadero California Bank of America Complaint
July 25th, 2012

I work @ a community bank and my income was reduced substancially resulting from the financial collapse of 2008. Countrywide Hm Lns refinanced my mtg (3)X\'s in less than 12 months. 8/09/2007; 12/13/2006; 8/22/2006. The CW office was 1 block from my office and across the main street from the city park. I walked by almost everyday for exercise, errands,or meals. I earned $18.00/hr and continued to live in the house after my divorce of 25yrs. I have lived in this home 16 yrs. I started calling CW in 2008 and was told there was no help for me because I was current on my loan. I was taking money from everywhere until I could no longer afford my $2600.00+ monthly payment in 10/2009. I have been arguing with BOA ever since. 7/09/12 I rec\'d a letter stating I was ineligible for DOJ/AG settlement because the investor (BNY Mellon) would have to give up too much principle and it was not in the best interest of the investor. NOD have been filed, BNY-Mellon sent NOD to my employer. That is the only way I found out the name of the investor. BOA would not give me the investor name. BOA refuses to accept any responsibility for appraisal faud, fidiciary responsiblity or negligence. I believe that the CW lender sought me out because of my unstable mental capacity. I have been in this community 30+yrs,I have worked for the same employer 17yrs, and this has ruined my health, credit and reputation. My loan is now in forclosure status but I do not have a sale date. I am 60 years old and do not want to lose my home.

Posted in Bank of America

Athens Wisconsin Bank of America Complaint
August 25th, 2012

I do not know where to start.Put it this way, I had to file bankruptcy to keep my house from foreclosure because no attorney would fight a mers matter. They said I would never win or make a case on that. Contact me I will tell you more

Posted in Bank of America

Atlanta Georgia Bank of America Complaint
March 14th, 2011

Bank of America gave me a fixed rate 2%, 30 year mortgage with a balloon payment at the end of 30 years...no estimated numbers of this balance balloon amount was estimated in the contract; no right to recission was included into this contract. I was not even given 30 days to review the paperwork or 30 days upon signing to make a payment they wanted an immediate payment of the new agreement November 1, 2010 although I received it within less than a 14 days window. The value of the house is approximately $57,000.00 but the balance refinanced or modified was approximately $221,000.00 with the balloon payment after 30 years later being extimated as being $57,000.00. --Because I had been out of work on OWCP worker compensation; I was just relief to get a payment less thatn the $1,735.00 amount I had been paying...NACA said even if I got a principal reduction the payments probably would not have been as low as the 2% interest rate I received of $1,064.00. The monthly statement amount Bank of America list does not match the amount on the contract that I signed mid-November 12, 2010. I am unable to get an owners\' title policy my home because the title is clouded. Please help. Thanks

Posted in Bank of America

atlanta Georgia Countrywide Complaint
May 8th, 2012

yo considero que me bendiero mi casa a un alto precio que nome es pocible pagar y fui victima de fraude y eso lo considero acto racial puesto que enla web informa que los hispanos y los afroamericanos pagaban intereses mas altos que los americanos blancos.

Posted in Countrywide

ATLANTA Georgia Green Tree Complaint
February 26th, 2012

I HAVE BEEN FORECLOSED UPON FOR SOMETIME NOW AND DON\'T HAVE ANSWERS TO ALL QUESTIONS

Posted in Green Tree

AUBURN California GMAC Mortgage Complaint
September 10th, 2012

they just lent more that worth with no income verification.next day notary came up and done.im self employed never asked for anything.

Posted in GMAC Mortgage

Auburndale Florida Bank of America Complaint
September 20th, 2012

BOA suggestged in 8-2012 that I not make 2 consecutive payments to qualify for forebearance. i did this. They were to set me up for 1/2 payments for 4 months and put the other 1/2 owed to the rears. they did not do this. I\'m making payments every month, sometimes 2 payments. They haven\'t applied properly and they threatening foreclosure.

Posted in Bank of America

Auburndale Florida Saxon Complaint
June 11th, 2013

Nova Star was the primary lender. I then was transferred to Saxon mortgage who not only tried to qualify me for a hamp loan 4 times but lost the payments and put me in default of my loan.. finally after all the pressure and threats to foreclose if I didnt sign the 4th modification I contacted an attorney..I have been treated badly and have shead alot of tears.. after 1 year of non payment Ocwen took my loan and is now threating to foreclose. Oh they did offer a deed in lieu of 3000 to have me vacate and clean my home. I paid all my payments and though I was approved 3 times. I have been through everything from robo signers, predatory lending, respa and tila violations and did not know I was a victim until 2 years ago. Need help but have been told that I dont qualify for a hamp now. I was told I will lose my house. I do have an attorney and waiting on foreclosure papers any day.

Posted in Saxon

Augusta Georgia Bank of America Complaint
June 17th, 2011

They are unable to tell me what payment they are saying I am behind. I have faxed them information and have ask quesitons about issues with the account and as of this date no answers.

Posted in Bank of America

Augusta Maine Litton Loan Servicing Complaint
May 12th, 2011

I have been attempting to modify my loan for two years, with no response. I have not paid my mortage in 2 years either. I have received no infomration upon the result of the modification. They keep telling me that I need to send more information, etc... ifnormation that I have sent out several times. I ahve attempted to do a short sale, a deed in leiu, anything that would assist in either keeping this home or foreclosing on it. However, I have had no results.

Posted in Litton Loan Servicing

Aurora Colorado Chase Home Finance Complaint
February 17th, 2011

foreclosure 2-8-2011 R. Hopp Attorney Associates, LLC Denver xxx-xxx-xxxx $3582.54 to write a form letter for the foreclousre notice. 14 calls to Chase to get a payment history.Payment history shows 26 payments in 24 months.Been with Chase for 7 years. They started to hold my payments $1386 in a suspense account because I was not making the correct payment. They said they were not collecting enough escrow so my last 2 payments were short $400. My taxes have gone down with the value of the house. I have tried to work with the foreclosure but Englis is a second language. I think they have figured a way to foreclose on homeowners that have hugh equity in their homes. Makes for a quick payoff to Chase on Mortgages at low interest rate. They say I am behind in the amount of $13000 with attorney fees.

Posted in Chase Home Finance

Aurora Colorado HSBC Mortgage Corp. Complaint
June 9th, 2011

HSBC mortgage services refuses to modify my loan. Hads returned my payments. Told me they were reviewing my requests for mod would not talk to me for 6 mo than denied request stating the ARM was about to adjust therefore temp mod was denied. I requested my loan papers 3 times I have yet to receive then. Mers is involved so I do not know who investors are.

Posted in HSBC Mortgage Corp.

Aurora Colorado Ocwen Federal Bank Complaint
April 16th, 2012

Pending foreclosure, with no follow through on modification

Posted in Ocwen Federal Bank

AUSTIN Texas Bank of America Complaint
August 8th, 2011

Not yet, but in the process.

Posted in Bank of America

Austin Texas Chase Complaint
June 3rd, 2013

Not yet mortgage was sold to Select Portfolio Services in the middle of a Modification.

Posted in Chase

Austin Texas Countrywide Complaint
July 30th, 2011

I have every loan document on my home dating back to 1996. I was forced to keep refinancing because Countrywide kept taking over my loans. I was even forced to roll my original interest free loan over into an interest bearing loan.

Posted in Countrywide

austin Texas Green Tree Complaint
June 12th, 2011

my lender stated that theybb would not work eith me and I was not availabe for a hamp. Ive been trying to get my mortsgage modified for three yeearsand was ripped off by three company\'s

Posted in Green Tree

Austin Texas NationStar Mortgage Complaint
October 11th, 2011

I tried talking with the lender several times during 2004 about my mortgage payments being way too high. I was a single parent on a fixed income and as a subsequence of a lawsuit by my former husband I lost my job and therefore had no steady income for several months. I originally applied for a refinance with BankOne but then received loan papers from NationStar with a completely type of loan.

Posted in NationStar Mortgage

Austin Texas Springleaf Financial Services Complaint
October 28th, 2011

Not yet.

Posted in Springleaf Financial Services

Aventura Florida Bank of America Complaint
May 5th, 2011

I am in Florida. My mortgage is one of the Countrywide pay-option mortgages that are required to be modified according to the 2008 consentagreement between Countrywide/BoA and the State of Florida. BoA has violated every section of the agreement and is trying to dupe me into walking away from my home. Im process of writting a letter of complaint toBoA, with a copy to the Kla Attorney Deneral\'s Office. Will be seeing an attorney in two weeks,

Posted in Bank of America

Avon Indiana Chase Home Finance Complaint
March 26th, 2011

I am one month behind on my mortgage payment. Just within the last 7 days, I have received 28 phone calls - 18 have been in the last 3 days.. I have received 2 letters via US mail, and one UPS express mail and yesterday there was a person taking pictures of my home - when I inquired who they were, they handed me a notification to call because I am past due. All this within the last week. I originally had a 15 yr note and only have 5 yrs left. Value of the home approx. $130,000 and I owe about $37,000. Applied for a loan modification, but received the runaround after forwarding all paperwork requested 3 different times.

Posted in Chase Home Finance

avondale Arizona Bank of America Complaint
September 10th, 2011

i have been dealing with bank of america since 2009. i have participated in a class action suit for my second mortgage and want to address my 1st morgage regarding failure to provide valid reasons why my modification was defided; sending me email advising me that pre trial documents would be sent then making me go through the process again.

Posted in Bank of America

AVONDALE Colorado Chase Complaint
March 29th, 2011

we were paying $728 a month when chase was doing a modification and we were denied. then we put the papers through again and we were approved with a payment of 1510.00 a month. we got approved for that modification in january 2011 and by march 10 we got a letter stating that we was not approved. we have been fighting with them for the last 6 years just so we can keep our house. the original loan was $120,000.00 and because of all the lawyer fees for starting forclosure it is now up to 175,000.00

Posted in Chase

Axis Alabama Wells Fargo Complaint
June 14th, 2011

We began trying to get our home modified in June 2010. We have gone thru 2 different trial periods and we still can not get a answer as of today 6/14/11. Now this month Wells Fargo has taken out to mortgage payments on me when they were only authorized to do one. Now if that does not take all the 2nd pmt. was sent back nsf so they reran it again and i was advised today they will do it again each time costing me 36.00. We are both on disability and only get paid once a month my wife since 05 has had surgery for 5 years straight. now due to a boating accident i have a lung disease on wich there is no cure and i am in and out of the hospital. since setember of 2010 i have been in the hospital 4 times. we have a true hardship. It seems they are after our home. It is owned by Fannie Mae who was bailed out. I am just asking for some help.

Posted in Wells Fargo

Azusa California Wells Fargo Complaint
April 24th, 2011

I originally just tried to change the title of my home to myself as sole owner, due to recent divorce. I was at 4.6%{?} at that time with property taxes and home insurance built into the loan and asked the same lender, whom I was again going with, due to time restrictions on my part. As interest rates were drastically falling, the new loan was increased to 7.9 percent, did not include insurance and taxes built in as requested, and was two hundred dollars more a month to boot. I knew I could not sustain this loan without another modification or refinance for more than a year and on three separate occasions tried to do so with them. First time- I gave them all info requested (at $500 fee) except income tax forms(not done due to time restraints on my part], which interest faded after a few weeks. 2nd time- spoke with another agent from bank. Said I did not need last item and sent into to that representative along with current info. Called him back several times to be told he was bouncing from branch to branch. I never heard from him again. Remember, my time was very limited due to odd and sometimes very long work hours. Last time was too late as I lost my job and was told after 2-3 months I could not be helped. I believe if the loan was done properly and/or they would have gotten back to me within the proceeding YEAR, I most likely not be in this situation I am now.

Posted in Wells Fargo

bakersfield California Bank of America Complaint
March 21st, 2011

i applied for a loan modification in sept of 2009. They said i did not qualify but then it went through afteralland i was on a variable nterest which was not supposed to be. It was through Campbell Law Firm. I almost foreclosed because my exhusband stole 2000.00 of my child support mopney and thgen i was a victim of id theft whichj i am still dealing with. My credit has been destroyed and it was like perfect before. On top of that i was arape victim in aUGUST OF 2010 WHICH THE GUY GOT OFF. I am too traumatized to go back to the hospital and do my xray job which i did from 1988 to 2008.i also had problems with my wells fargo bank because of my id thgeft. i told tem i thought i was an id theft vctim and hey did not notify me when large amounts of money were withdrawmn from my accounts. I changed to bank of aMERICA AND THE SAME THING HAPPENED AND I WENT TO CHASE IT HAPPE NED AGAIN AND BY THIS TIME I WAS HAVING A MENTAL BREAKDOWN. I CHANGED BAKS ONE MORE IME AND IT STILL HAPPENED. ALL TOGETHER IN THINKJ IT TOTALLED AROUND 15,000.00. I AM STILL FOLLOWING UP WITGH ALL OF THIS. I COULDNT W[EVEN DEAK[L WITH IT FOR SOME TIME.I NEEDC AN ATTORNEYTO HELP ME AND I WILL PAY

Posted in Bank of America

BAKERSFIELD California Citimortgage Complaint
September 15th, 2011

THEY TALKED ME INTO DEFAULT, MANY MONTHS OF ABUSE WENT ON, AND MANY PHONE CALLS DAILY TO THEM. NEVER WOULD THEY PROVIDE ME WITH ANY DOCUMENTS. I FINALLY GOT A FOREBEARANCE AGREEMENT AND MADE 11 MIONTHS OF PAYMENTS TO CITIMORTAGE JUST TO FIND OUT THAT 30 DAYS BEFORE THE SALE, THEY HAD TO HAVE MY EX SIGN OFF ON TITLE. I HAD ASKED THEM FOR A YR IN A HALF HOW THAT WAS GOING TO WORK WITH HIM ON THE LOAN. THEY SAID NOT TO WORRY. WELL, I DID EVERYTHING THEY ASKED AND THEN SOME, AND THEY SOLD IT OUT FROM UNDER ME. FREDDIE MAC BOUGHT THE HOUSE AT SALE. WHEN I BOUGHT THE HOUSE, MY PARENTS AND I PUT DOWN 115,000.00 THEN PUT ANOTHER 30,000 IN IMPROVEMENTS INTO THE PROPERTY WHICH BUILT ON FOR PARENTS HOUSE. I PAID AN EXTRA 250+ PLUS ON THE MORTGAGE TO GET IT PAID OFF EARLY IN FACT. THIS IS NOT RIGHT! WE ARE BEING EVICTED AND MY DAD IS IN HOSPITAL AND MOM JUST COMPLETED A YEAR OF AGGRESSIVE CANCER TREATMENTS. I AM LEFT HOMELESS WITH 80+ YR PARENTS TO TAKE CARE OF. I NEVER USED MY HOUSE AS A BANK AND SPENT ANY OF THE EQUITY LIKE MOST AMERICANS. THE MODIFICATIONS WERE DESIGNED FOR PEOPLE WITH MY ISSUES. I COULD NOT HELP THE HUSBAND WALKING AWAY BUT I SHOULD NOT HAVE LOST MY HOME THIS WAY. I HAVE NO EXPLAINATIONS FROM CITI MORTGAGE. I HAVE SENT LETTERS ASKING FOR A CLOSING STATMENT AND ACCOUNT FOR ALL MY PAYMENTS. I DON\'T EVEN KNOW HOW MUCH I WOULD HAVE HAD TO COME UP WITH TO SAVE IT AND THEY SAID I SHOULD HAVE NEVER LET IT GO INTO DEFAULT. I GOT FREDDIE MAC TO SAY THEY WOULD REVIEW IT AND THEN A COUPLE MONTHS LATER THEY POSTED EVICTION NOTICES ON MY DOOR. NO ONE WILL CALL ME OR TAKE MY CALLS AND I JST WANT TO KNOW WHY THIS IS HAPPENING TO ME. THEY ARE STEALING MY HOME. I WILL BE LOCKED OUT SOON. WHY IS IT WHEN BUYING THE HOME WE HAD TO SIGN COUNTLESS DOCUMENTS BUT THEY TAKE THE HOME AND NOT HAVE TO PRODUCE ANYTHING BUT DEFAULT PAPERS ON YOUR DOOR STEP? THEY DON\'T HAVE TO ANSWER ANY QUESTIONS BECAUSE THEY DON\'T KNOW THE ANSWER TO THEM? HOW IS THAT RIGHT?

Posted in Citimortgage

Bakersfield California Option One Complaint
January 27th, 2012

I have had 5 lenders (servicers) since the onset of my refi in Nov 2006. Option One mortgage is who securitized my loan and placed it into A LOAN ASSET POOL named OPTION ONE TRUST 2007-5. There is a definate break in the chain of title 3 times in a row. I had an investor to purchase my home via short sale prior to getting served with a default notice. Current lender agreed on an amount. Upon the investor having done a title search and looking over my loan docs, the purchase was terminated. Their reasoning to me was \"Broken Chain of Title\" Questionable Appraisal Report\" I am now in Default and have less than 30 days before public sale

Posted in Option One

Bald Knob Arkansas Indymac Bank Complaint
March 19th, 2012

Because of having to file chapter 7 secondary to fraud committed against me, I had to attempt to refinance our home via HAMP. I reaffirmed the mortgage in the Ch. 7 - I also contacted them to continue to send statements secondary to my intention of honoring the mortgage. The hope was to refinanced to allow us to lower monthly payments . We assumed it was our responsibility to pursue the modification sooner than later and that we should initiate that process during the Ch. 7 proceedings. It has now been almost 2 years. The representative at Indy Mac told us we should stop making payments, so we did. One to two months later we got a foreclosure notice. Our bankruptcy attorney was able to connect and the foreclosure was stopped and we were punted back to the process with One West reps. We have provided everything they have asked for – have caught them lying and telling us they need certain additional documents when they did not. We showed them documentation that they did not and they finally relented. Months go by and they call back with some lame excuse for needing something we have already given them. If we ever get a response back from them I assume their terms will not be acceptable. I refuse to pay for any penalties or fees b/c we followed their directions. Besides loosing the house my main concern is that I may be penalized regarding the refinance of my business building with a local bank b/c of the “delinquent” status on the home mortgage with IndyMac (One West) – I am currently submitting paper work for the refinance of the building. IndyMac (One West)

Posted in Indymac Bank

Ball Ground Georgia HSBC Mortgage Corp. Complaint
April 21st, 2011

About to be entered into the foreclosure process

Posted in HSBC Mortgage Corp.

Ballston spa New York HSBC Mortgage Corp. Complaint
May 24th, 2011

Tis is a second mortgage it all started 10 years ago they sent me a check for 6000.00 just sign and deposit automatically approved then they had me come in for a consolidation loan then in for another loan that turn into a second mortgage im disabled my monthly income is only 544.00 monthly my husband income is around 2000.00 my first mortgage payment is 985.00 i have been paying hfc for 10 years on a 54,000.00 dollar loan and still owe 51,000.00 im getting no where with them im really struggling to make ends meet i can not afford this loan with hfc i dont want to loose my home i get behind alot on my first mortgage to catch up on my second mortgage with hfc i feel like they talked me into a loan i couldnt afford and i cant do it do more im sick over this with depression :(

Posted in HSBC Mortgage Corp.

Baltimore Maryland Bank of America Complaint
May 24th, 2011

they took 25 thousand dollars from me

Posted in Bank of America

Baltimore Maryland EASTERN SAVINGS BANK Complaint
January 16th, 2012

IT HAS BEEN AN ABSOLUTE NIGHTMARE! WE WERE FORCED TO PAY $4,000.00 PER MONTH ON A TEACHER\'S SALARY WHICH INCLUDED SUMMER PAYMENTS WHEN WE RECEIVED NO INCOME DURING THE SUMMER. IT HAS BEEN LIKE DEALING WITH THE MOB. THEY ARE A PRIVATE LENDER THAT ARE APPARENTLY ABOVE THE LAW.

Posted in Eastern Savings Bank

Baltimore Maryland Green Tree Complaint
October 19th, 2012

During my bankruptcy proceedings, Green Tree offered to reduce my 6.5% interest rate if I kept the property. IThe process was strung out and onec the bankruptcy was completed, they would not follow through on the interest reduction.

Posted in Green Tree

Baltimore Maryland HSBC Mortgage Corp. Complaint
September 9th, 2012

From my hardship letter: I am writing this letter to explain the delinquency in my account, and why I am not able to make future payments in full. About 2 years ago, my wife and I were considering buying a new house, for a number of reasons. At the time, one of the things I took into account was that the taxes on my old residence (Robinson Street) would increase due to it becoming a rental property. I called HSBC before we decided to purchase our new house in order to determine how much the payment would be going up if it became a rental unit. I spoke to a representative, faxed over information, and eventually was informed that my payment should not increase more than $50 per month. So, we bought our new residence, fully confident that we could afford both payments with the minor bump due to taxes. I also continued to fax to HSBC every property tax bill I received from the city, which were sent twice a year. In the fall of 2011, I received a letter from HSBC stating that on January 1, 2012, my payment on the Robinson Street residence would be increasing, even though the payment had already increased once since the move. Unfortunately, that increase was not minor - the increase was $768.47 per month, an increase of almost 33%. When I called for an explanation, I was told that the escrow account was overdrawn. I went through numerous phone calls, specifically pointing out to the representative what I was told earlier about what the increase amount would be, and that I had been faxing the property tax bills regularly (and I have proof of all of those faxes being confirmed received), but the representatives simply said there was nothing they could do. I refinanced this loan in September 2008. At that time, my payment was $1553.75. It then jumped up to $1586.15, which I thought was for the change in taxes from a primary residence to a rental unit. Then, my payment on January 1, 2012 went up to $2354.62, which is an increase of almost 33%. In addition, I also spoke numerous times with the Baltimore City tax department, and I was informed that HSBC had also paid my property taxes late on 2 occasions, causing late fees, even though I had never missed a single payment, and HSBC had not informed me of anything being paid late. Those fees were eventually refunded by HSBC after numerous calls. The Baltimore City tax department also noted that my increase in taxes in no way should reflect that much of an increase in my mortgage payments. I am attaching my last 3 property tax levies, and these are the amounts: July 1, 2009 – June 30, 2010 $3797.53 July 1, 2010 – June 30, 2011 $3812.76 July 1, 2011 – June 30, 2012 $3827.99 In three years, my property taxes increased $30.46, yet before the end of this period, my mortgage payment went up $768.47. In the end, the only thing HSBC could offer me was to spread out the payments over 2 years, which would drop it to an increase of approximately $600 per month. This simply still is not feasible or realistic to pay. I have no choice at this point but to put this house up for short sale, or go through foreclosure. I do not know anyone in this economy that can afford a 33% increase in a mortgage payment. My wife also has a house that was converted to a rental unit when we moved, and nothing remotely close to this has happened to her unit with respect to increases in taxes or mortgage payments. In addition, partly due to this situation, my wife and I are separated and likely headed towards a divorce. I simply cannot afford this new payment, especially now that we aren’t on a combined income. It is extremely frustrating for me, because I have worked very hard to get my credit to the mid 700s level and have never missed a payment on my house in the 10+ years I have owned it, including all of the time HSBC has owned my loan. But, the reality is this new payment is simply entirely too much.

Posted in HSBC Mortgage Corp.

Baltimore Maryland Wells Fargo Complaint
June 24th, 2013

lost job of 36 years in 2008 and part time job of 13 years then took terminally ill, in 2009 refinance from Chase to lower payments, didn\'t find out til several months later Wells Fargo had loan and payments increased. For 3 1/2 years have been going to any and everyone to try to get Wells Fargo to do loan mod. they were saying all kinds of things such as FHA-Hud can\'t and even when Maryland State\'s attorney general told them to add me to list for assistant in Suit Settlement they sent me letter and said I didn\'t qualify according to their guidelines. They kept and keep offering Forebearance agreement in which pymts. higher. and still now went to foreclosure mediation hearing Jan 16, 2013 with their attorney assistant and she called Wells Fargo and now they still asking for same paperwork over again and again that I had and have supplied them with, now asking for water bill and asking for show I don\'t get a pension from my job last had in 2008. They should have did loan mod in 2009 when I was $1,700.00 in rears and now today they say I am $38,000.00 rears. Also in Sept 2012 when attorneys sent foreclosure papers and form included for me to request mediation hearing I had 30 days to respond, they went after they sent papers in court her in Baltimore and placed ad in papers of auction for my house at 1433 Walker Avenue on district court house, and posted several other things. I can\'t and do not intend on Short Sale, I want to stay in my home have been here for 23 years and Wells Fargo has even sent me a piece of paper with my signature that I never signed for them when or how they took over my house. They are aware my wife of 36years Judy Nash is and can speak, sign, answer, handle anything regarding this matter. On June 3,2013 I june sent a Adrianne Ray from office of the president she says at Wells Fargo same paperwork for the 4th time again this year. I have contacted Senator Benjamin Cardin office here in Baltimore, Maryland his assistant Anne Yerby, as usual left several messages haven\'t heard anything from her. Seems everyone here in Baltimore, MD. takes one look at my situation, then everything stops. Went to legal aide bureau Gretchen Reimert, she last contact May 13, 2013 told my wife as she been telling us she has so many foreclosure cases handles all Baltimore area as well as other office, can\'t and not her job to do paperwork, I would have to do paperwork and call Wells Fargo. Wells Fargo is still stahling and hasn\'t went in courts again yet to get a sale date however I know they are any day.

Posted in Wells Fargo

BANNING California NationStar Mortgage Complaint
March 14th, 2011

OUR MORTGAGOR WAS INITIALLY FLAGSTAR BANK WHEN WE GOT BEHIND THEY REFERRED US TO HAMP. WE BEGIN MAKING PAYMENTS TO HAMP. SOON AFTER OUR MORTGAGE WAS SOLD TO NATIONSTAR. WE BEGAN MAKING PAYMENTS TO NATIONSTAR. IN OCTOBER 2010. IN DECEMBER 2010 THEY RETURNED OUR CHECKED STATING THE AMOUNT WAS INSUFFICIENT TO COVER OUR DEBT AND SOLD OUR HOME ON DECEMBER 31, 2010. THE FIRST NOTICE WE HAD THAT THE HOME WAS SOLD WAS WHEN THE PROPERTY MANAGEMENT COMPANY NOTIFIED US TO GET OUR.

Posted in NationStar Mortgage

barco Washington DC american general Complaint
June 7th, 2011

disabled tried to help my dad,76.they took advantage of the loan we got,we lost the house to foreclosure,they really didn\'t try to help.

Posted in american general

Barrington New Hampshire Litton Loan Servicing Complaint
February 17th, 2011

The Sale is on March 10th, 2011.

Posted in Litton Loan Servicing

bastian Virginia Bank of America Complaint
January 11th, 2012

we got a mortage with countrywide then bank of america took over an then when ,obaman pass the law for the moderfired loans we try to get one an they would,n ever talk to us about that or nother else,then they go an sell some of the mortgage to green tree what every that is ,but me an ernie both or sick we or not able to fool with this an we only recieve like 2,300. a month we have dr,s bill,s an medecine billwe lost our elderst son to cancer a year or so a go he wasn,t marriage so we had to go help to take care him an try to by him food ,with i hope i never go through what we did i pray god not i ,ernie don,t have but a 4grade edcation an he did not no what a inters only loan was here we was paying 801.00a month whith was all going in the bank pocket ,we did,nt have a enought to hardly buy food on let lone other thing we need i could write al day but i don,t feel like it an not able neither so if we could efford a lawer we would ,done had one long time ago so i hope this help us an any other poor people ,that been done wrong by this bank .thanks

Posted in Bank of America

Bastrop Texas Bank of America Complaint
April 30th, 2012

I was with Countrywide until B of A took over. This is the 2nd time in less than 3 years they have said I was behind on my payments. This time it cost me $2564.00 that I paid to keep them from foreclosing. I have all my bank statements and will send them to b of a this week. I deserve some compensation for what they did to my credit score with their lies and they stopped me from getting another loan with a mortgage company of my choice.

Posted in Bank of America

BATON ROUGE Louisiana Bank of America Complaint
May 18th, 2011

I have tried to talk with them on several occasions, i was approved for a loan mod dification in jan 2010, then later denied,,, because of the paper work. They stated it wasnt signed correctly when i knw it was, because I took it to a notary, They didnt want to work with me

Posted in Bank of America

Battlefield Missourri Bank of America Complaint
April 18th, 2011

originally 3 months behind and they would not guarantee a partial payment from keeping us from forclosure. After months of transition from countrywide to BOA then waiting to learn about gov. program we finally made 9 trial payments w/the last one returned because they said I never gave them certain financial documents (which i had proof) resent paperwork then was told one month we were late during our trial period (i have my bank statements to prove otherwise) Now we dont qualify for modification because the 31% income ratio. I found out that doesnt apply so I have re applied for a mod to buy us some time. Over 2 years and \"$51,000\" past due and 6 forclosure dates I am desperate. We do not owe more than our home is worth otherwise I would have given up a long time ago because this is putting major stress on myself and family.

Posted in Bank of America

beaumont California Countrywide Complaint
August 3rd, 2012

was a Fannie Mae loan

Posted in Countrywide

BEAUMONT Texas Bank of America Complaint
June 9th, 2011

Have been trying to do a modification for going on 2 years, I have sent in information many times. All they tell me that it is being reviewed. After ready all the people that have been foreclosed on it is right inline for what they are doing to me. I believe it is the next step to my home. I have been worried about this for two years and can\'t hang on much longer.

Posted in Bank of America

BEAUMONT Texas Countrywide Complaint
December 21st, 2011

COUNTRYWIDE AND MILA PUT US IN A BAD LOAN AND SO DID LITTON SERVICER.

Posted in Countrywide

Belleville Michigan Bank of America Complaint
August 3rd, 2011

I was originally with Quicken Loans, then Countrywide, and finally Bank of America.

Posted in Bank of America

belleville Michigan Indymac Bank Complaint
August 8th, 2011

I NEVER GOT A FORECLOSER LETTER.PLEASE HELP WE HAVE NOTHING LEFT TO ARE NAME PLEASE HELP ME AND MY HUSBAND. THANKYOU Gail Della Pelle

Posted in Indymac Bank

Bellflower California Sun Trust Mortgage Complaint
August 25th, 2012

Suntrust said freddie mac purchased my home at a foreclosure auction.

Posted in Sun Trust Mortgage

Beltsville Maryland Indymac Bank Complaint
October 26th, 2012

I\'ve been unemployed for nearly two years and my lender has been taking me through hoops to complete a loan modification. They\'re not willing to offer one because we haven\'t been late with our mortgage.

Posted in Indymac Bank

benson North Carolina Bank of America Complaint
March 23rd, 2011

was in modification my loan went into foreclusure paid alot to reinstate while under modification been trying to modify loan 2 and bank keeps losing my info and closing my case down ..them i have to start the whole process again

Posted in Bank of America

BERKELEY California Bank of America Complaint
September 9th, 2012

Jeff Greenberg and I have spoken several times - including on a conference call on Eminent Domain and Quiet Title actions.

Posted in Bank of America

Berkeley California GMAC Mortgage Complaint
May 25th, 2012

I am a person of disability. My interest rate at time of refinancing was 5.1. They charged 2 points and took 8,000 at closing. It is a MERS loan and assignment of NOD was made by MERS to GMAC ad GMAC to Executive Trustee Services, LLC and signed by the same Douglas Wilson both for GMAC and MERS. QWR resulted in a copy of Note signed by myself only..Push to see the wet ink Note led to no response. Loan Mod denied..In pre-foreclosure status. No Sale date.

Posted in GMAC Mortgage

Berkeley Hts. New Jersey Citimortgage Complaint
March 21st, 2011

In April of 2009 I called my lender to se if I could get my rate reduced as the prime went way down. I was told I could refi for around $4000.00 or get a modification for free. I opted for the mod. I was put on hold for a while thenI was told my new mortgage payment xxxx. This payment was a little more than half of my old payment. I was delited. The following month I did not recieve a staement frommy lender. I called them and was told that there are no staements during the modification period just keep sending the given amount in. I continued to pay the prescribed amount for over a year. When I went to the car dealer to buy out my lease I was told I could not get a loan because I was behind on my mortgage by over nine months. I immeditely called Citimortgage and they told me yes I was behind as I was only paying partial payments on my loan. I protested saying I paid exactly what I was told to pay and was not advised that this was a partial payment. I was also at that time told I was not eligable for the mod and I would be getting a statement shortly. My staement came and I almost had a heart attack. My new mortgage payment was doulble my old payment. This was to bring up my arrears. About that time I was laid off of work. I scraped together over seven thousand dollars and sent it to Citimortgage to show good faith. I have no idea as to where they applied the mony as it did not show up anywhere on my statement. I was told I needed to send the bank over twenty seven thousand dollars to get back in favor of the bank. This was to cover leagle fees and interest and penalties. Well I\'m still umemployed and now broke due to sending everything I had to the bank. Now I am waiting to hire a laywer to sue Citimortgage for fraud.

Posted in Citimortgage

BETHLEHEM Georgia Bank of America Complaint
April 20th, 2011

Bank of America will not refinance this 2nd Conv. uninsured Fixed 2nd Equity Mortgage. They said they only service the loan. It is owned by Bank of New York. So I have been trying to refinance my 1st Fannie Mae loan which they are also servicing, and it has been a nightmare!! I have been trying since August 2010. They are trying to Escrow and I keep denying. They have sent me a total of 6 Loan Packages all with mistakes!

Posted in Bank of America

bethlehem Pennsylvania CENLAR, FSB Complaint
May 7th, 2012

foreclosure was initiated 2 months before servicing assignment. Original contract request has not been met.

Posted in CENLAR, FSB

Bigfork Montana Bank of America Complaint
April 23rd, 2011

I had to stop my foreclosure at the last minute by filing a bankrupty after being told that the modification was in review but I might need a postponement in order to finalize.

Posted in Bank of America

Bigfork Montana Sun Trust Mortgage Complaint
January 1st, 2012

I am a former Builder/developer, and my wife is an Real Estate Broker. I built my present home in 2005, upon completion I converted it into a mortgage using my local bank. Since that time I have closed my company for lack of business, and my wifes Real Estate Business has all but dried up. We have repeatedly tried to get a loan modification from SunTrust Mortgage (our Servicer) to no avail. I have sent several QWR over the last year, and have received only copies of the note, and DOT, which I can obtain from my local. SunTrust has basically told us that most info we have asked for is none of our business. We have been unable to sell our home over the last four years, and have lost 45% of our equity. We had to take out a 2nd from our same original lender in 2007 to make payments due to loss of income. The original loan was an interest only that resets in 2012 into an ARM and we will have to default unless we get help.

Posted in Sun Trust Mortgage

Bklyn New York Chase Complaint
February 15th, 2011

Bank representative stated pay loan on time and after one year I\'ll get you a normal interest rate of 4.5%

Posted in Chase

blackshear Georgia New Century Financial Now Carrington Mortgage Services Complaint
March 30th, 2014

need to know why new century put a lien on my home in 2010

Posted in New Century Financial Now Carrington Mortgage Services

Blountville Tennessee Bank of America Complaint
April 25th, 2011

Originally we were only 3 months behind and were put on a repayment plan with first franklin home loan services. The transferred my loan to BAC. Nether company would accept my payments while it was in transition. I was told this would not be held against me. When BAC did get my information, it went right into forclosure and the previous payment plan was null. This was back in Sept 2010. We then began the modification process.I was told several times that we were eligible for the making homes affordable program. I sent the information over and over. The first time, my information was entered wrong by Bank of America and I was declined. I was told that I needed to resubmit the documents and I was eligible. I then filed an appeal. It was also declined because they said I was under the 31% and uneligible to reapply for another year. I was told the had to count food stamps as an income(even though I cannot pay bills with them) but they would count a grocery expense to cancel it out. Then someone said they can\'t count food stamps and another said I do not get a grocery expense because I get food stamps. I have been declined 3 times due to bank error or they wait too long to resubmit my information. They are delaying the modification process and I was told I needed to stop calling to check on my account because it would not do me any good. I was out of work for an injury and my husband was laid off a few years ago and this is why we are behind. After the transfer to BAC I was told they would not except a payment unless it was payment in full which was several thousand dollars. When I did have the money to pay in full, they told me not to pay anything until the modification was finished. At that time I was told it was being modified and being finalized by the investors and underwriters and I would recieve the details in the mail which I needed to except or decline the offer. I then received a denial letter from BAC. no modification. The money I had was used for car repairs and covering costs of living while I was out of work for the holidays. What kind of people is this program supposed to help? My income is roughly $1000 a month and my house payment is $664 how is that under 31%? They are rude and giving me the runaround. I was told it would go to a 2nd look department for review marked urgent because of an upcoming sale date. That was a month ago. I was told I could not speak to anyone in that department or the quality control department. They refused to give me the name of a supervisor or any contact information to have this matter resolved.

Posted in Bank of America

blue jay California Bank of America Complaint
April 5th, 2011

I had a \"teachers loan.\" The first was for approx. 198,00 plus the second, to come due in 5 years at I think 40,000. It was based on future income and the fact that I would make more... it comes due this year and will really put me over the edge. Never informed of how much the taxes would increase my payment or how much insurance would push up the payment due to being in a forest who has constant fires. B of A. B or A has dragged out modifications and recently given conflicting reports to me that I have been denied although no formal notice yet. There are other things that took place too, home is now worth less than half of what I payed for it. I just want to achieve something fair. I want to keep my home but give me a resonable payment that works with the hard times this country is going through.

Posted in Bank of America

Bluffton Indiana Wells Fargo Complaint
September 6th, 2012

When I was with my last mortgage company I qualified for a reduced payment and interest rate from the Home Modification Plan. Then two years ago Wells Fargo bought it and then all of a sudden Im thousands of dollars behind. I was told the payment was the same as the last mortgage company and was told to continue the same payments and found out later that this was the wrong aomunt making me farther behind per thier directions. I have working on getting a grant from the Indiana Hardest Hit fund but with legal fees they are making so I cannot make the payment and they are going to eventually forclose. HELP!

Posted in Wells Fargo

Bluffton South Carolina US Bank Complaint
March 16th, 2012

I believe there has been a faulty transfer of my mortgage from MERS CORP to US Bank That there was complicity on the part of MERS with the bank and Wal Steet to commit fraud. That MERS has committed a criminal act in self transfering mortgages that results in tax evasion. I believe that MERS has no right to own my mortgage ro transfer it. I believe the action of MERS and the Wall Street banks have caused a great financial disaster to me. I have lost my marriage due to stress, my business due to the breakup of my marriage and my income making it impossible to pay the mortgage. In addition I have lost all my home equity and am now underwater on my property.

Posted in US Bank

Boca Raton Florida American Home Mortgage Corp. Complaint
December 12th, 2011

pleaseall me at 5613589031 if I can be part of a class action lawsuit against Deutseche Bank National Trustees.

Posted in American Home Mortgage Corp.

Boca Raton Florida Bank of America Complaint
March 3rd, 2012

I was denied for a load modification, although I feel I should qualify based on my understanding of the program parameters.

Posted in Bank of America

Boca Raton Florida Citimortgage Complaint
March 23rd, 2011

Our story is long so i\'ll make it short. Our financial problems started because of medical problems with our youngest son and i notified Citimortgage right away,but was told i had to wait until we were atleast 3 months behind.As of today it has been roughly 3 years and between Citimortgage and FreddieMac,neither did anything for us and also passed the buck between themselves.Both companies would tell us to call the other.Also,David Sterns law firm handled the foreclosure so i don\'t even know if it was done properly or not.As of today, the new law firm sent us a writ of possession to vacate the property,the plaintiff being Citimortgage but FreddieMac had aiready done a qiut claim deed, so can Citimortgage legally evict us even though they are no longer on the title or deed?We want to keep our home if possible but we need legal help today.Citimortgage and Freddiemac don\'t care that they are putting a family that has a child with medical problems on the street.We have no money to move or to start renting.Please someone help us.

Posted in Citimortgage

Boca Raton Florida Countrywide Complaint
March 25th, 2012

Quicken Loans sold mortgage to Countrywide Bank.After Countrywide went out of business my mortgage went tro Bank of America account no#183191626. In Dec. 2011 Bank of Ameriva sold home loan to M&T. 3 attempts were made to Home affordable/home retention,we fit all criteria & we were turned 3 times.

Posted in Countrywide

BOILING SPRINGS South Carolina Bank of America Complaint
April 1st, 2014

They are in the process of.

Posted in Bank of America

Bolingbrook Illinois Chase Home Finance Complaint
March 19th, 2012

I received the HAMP and the arrearage was increased by $10k and Chase claims not to know where the past payments for the trial period went.

Posted in Chase Home Finance

BONITA California Countrywide Complaint
October 20th, 2011

i feel helpless. country wide has made my life misrable . I am loosing my home please let me know what i can do . i have declared chaper 7 3 weeks ago. my house was going to be sold. my aturney has sent b of a a letter to rengotiate to modify my loan at current price and 2 % intrest . i would like to get involved in class action suit we can no allow this also one of thier employees stone my identaty . i got a letter telling me they were sorry. please help i am a divorced sigel mom with 3 children and one grand son age 6 they all live with me. this is their roof. GOD BLESS

Posted in Countrywide

Bonita Springs Florida Bank of America Complaint
April 5th, 2011

The appraisal was over 200k higher than it should have been, the bank lied to us, the banks closing attorney had my husband sign my name without a power of attorney or my permission. There are a lot more things that Countrywide & B of A did that were totally wrong.

Posted in Bank of America

Boscawen New Hampshire Citimortgage Complaint
May 9th, 2012

I had a VA mortgage with CitiMortgage for a house in Austin, TX. I accepted an extended work assignment in New Hampshire. I changed my mailing address to my new address in NH as soon as I arrived. In 2009 I completed my work obligations and was getting ready to return home when I received a call from the person living in my house saying that a man came to their door claiming to be the new owner of my house. I had received no \"notice of intent to foreclose\" ( a 30 day notice is to be required by law in Texas to be mailed to the person\'s last known address) or paperwork of any kind. If I would have received that paperwork I would have had a chance to straighten out this situation before it went to foreclosure. I hired an attorney in Austin to investigate the situation and as it turned out CitiMortgage claimed to have no record whatsoever of my change of address. When my attorney sent them a stack of copies of statements that had been mailed to me in New Hampshire they said \"we can try to get your house back but we can\'t promise anything\" After a couple of months of not hearing from them I had my attorney made them an offer of settlement. After receiving no response from them my attorney said I would have to file suit. After hearing what it could cost to fight them I knew I could not afford to do it. With no house to go back to I decided to stay in New Hampshire. On April 26, 2012 I found out through the VA that the sale had been rescinded shortly after the foreclosure sale and again I was not notified. The house has been setting there vacant for three years and has occurred some damage. CitiMortgage will let me continue the loan but my payments went from just over $1000.00 a month to over $1900.00 a month due to their escrow evaluation. After all of this they still had no record of my change of address. I am being forced to sell or loose it again in forclosure because I can not afford the $1900+ payments nor can I lease the property out for that amount to pay for it. I have not received anything from CitiMortgage in writing since this issue began back in \'09 so I do not have much documentation to include with this claim.

Posted in Citimortgage

Bossier City Louisiana Bank of America Complaint
September 5th, 2012

Went thru 3 1/2 year mod and still waiting for finalization. BofA said they sent letter to clear credit but none of the bureaus recieved it.

Posted in Bank of America

Bountiful Utah Homecomings Financial Complaint
August 31st, 2012

Lender would make no offers, would not allow short sale and refused to discuss options with me, advising me it was just a matter of time, before they took the house.

Posted in Homecomings Financial

Bowie Maryland Bank of America Complaint
April 13th, 2011

Seeking modification but denied twice.

Posted in Bank of America

Bowling Green Kentucky Bank of America Complaint
May 13th, 2011

they tried to, but they discontinued. they say that they will consider a loan mod, but nothing has happened. Been dragging on for 2 yrs.

Posted in Bank of America

boyds Maryland Wells Fargo Complaint
August 25th, 2011

we gave the mortgage lender a 60,000 deposit for the property and at closing themthly paayment changed from 2600 per mth to 3900 per mth. with no refund if we did not close we wwere incourage to try to pay the mthly payments and after one year we can come back to lower the payments. we were also listed as white applicants by the lenders rep.after the closing the lenders reps were terminated from wells fargo and we lost our home within ten mths.please help we have been renting in the state of maryland at 2500 per mth since.please help

Posted in Wells Fargo

Boynton beach Florida American Home Mortgage Corp. Complaint
September 14th, 2011

It has been 16 months without a mortage payment prio to that 18 months lender has not foreclose has not done an assignment. My loan was sercritized by bank of new york CWABS trust I feel they can not forclose

Posted in American Home Mortgage Corp.

Boynton Beach Florida Bank of America Complaint
December 3rd, 2011

The mortgage was vague from Countrywide & I feel the first is more than I can ever pay & the second mortgage not even addressed is ridiculous it will never be paid off. A Bank of America representativer met with me at a NACA event & gave me a good faith estimate after running my numbers to refinance and even said I needed to be 60 days late on my mortgage (which has killed my credit) and they could give me a loan modification, however when I walked away I was supposed to have a follow up clal with NACA and no one would ever call me back so Bank of America sent me foreclosure documents at which time I tracked down a client with NACA who had someone from Bank of America just send me papers via fed ex stating that if I returned them within 3 days they would stop foreclosure (I signed due to fear of losing my house) but the papers they sent were not even close to the discussion and estimate I received. That is an issue but also I never had an appraisal and I have not had the income to suppoirt a $368K loan and a $48K second mortgage, I need help! I am paid but will not be able to pay December mortgage.

Posted in Bank of America

boynton beach Florida EMC Complaint
March 13th, 2012

when i intially applied for a loan modification i was told i needed to be behind at least 3 months before i could apply for a loan mod.after i fell behind 3 months i applied for a loan mod. I specifically asked if and who i should continue to make my mortgage payments to. I was told by EMC not to make any payments during the loan modification process and that will be assesed after the loan modification process is completed, mind you i have applied for a modification 3 times and was approved the first time with a 3 month trial period, I made the payments and then I was denied the modification, but was told i could reapply again with the same stipulations do not make any mortgage payments until after the the modification process then after 8 months of submitting and re-submitting documents I was denied the loan mod under the obama plan but i was told i could apply for an IN-HOUSE loan modification through the bank at this point I asked can I go back to my original mortgage and continue with my payments. I was told the only way to do this is to pay all monies i was in arears behind in my mortgage, at this point we are talking quite a bit, but i could short sell or do the IN- House modification so we wanted to keep our home we did the in house modification process for another 8 months and was offered a trial period payment plan of more than double my original mortgage paymen. This is when i proceeded to get help from an attorney. I am trying to find out about a Quiet Title but my attorney is saying he doesnt recommend this because in the end if the lender produces the documents this could mean alot of out of pocket expenses plus potentially losing the home. My question is if they had the documents wouldnt they have filed for foreclosure or produced those documents already? I have had a an audit done and they do not have the documents. Is there any way I am elegable for this quiet title or am barking up the wrong tree?

Posted in EMC

bradenton Florida Bank of America Complaint
October 21st, 2011

when we have policy in forcce paid by ourselves for homeowners insurance. they will not accept our payments without the addud funds

Posted in Bank of America

Bradenton Florida National City Complaint
March 28th, 2011

Forensic audit shows appraisal fraud of over $400,000. Bank led us into dropping our LLC loan and at last minute declined it (with no reason ever provided) and made us sign personally or lose $100,000 deposit made to builder. Mortgage broker who arranged loan and appraisal now in jail for OTHER morgtage fraud charges.... her prosecutor WILL offer her immunity for testimony against bank and or appraiser. I have more info... will email upon request but not comfortable uploading all these documents here. Thank you.

Posted in National City

Brawley California Chase Home Finance Complaint
January 31st, 2012

Chase Home Loans employees are \"horrible liars.\" Most liars will still to their story but with Chase Home Loan employees, their stories kept changing!!!

Posted in Chase Home Finance

Brea California Countrywide Complaint
July 14th, 2011

I had to refinance my mom\'s home and get on title when she became totally physically and financially dependent on me back in 2006. I then fell into a financial hardship and was told that I was eligible for the Making Homes Affordable Program. I was sent 2 packets each with different trial period payment amounts and was told to follow the 2nd packet. I made each and every payment on time from August 2009 to March 2011 when I was told that I was actually in foreclosure even though I checked in each month when I made a payment and was told I was still in the \"review\" process. I had to come up with $40,000 to keep from losing my house and now I\'m being told that I can\'t even refinance to pay back that money due to the foreclosure on my record. I continue to get different information each time I talk to a lender representative. I have never been treated so poorly as a customer in my life!

Posted in Countrywide

Brentwood California GMAC Mortgage Complaint
August 14th, 2011

Jan 2010 we recieved a HAMP app mod,looked good until I spent some time on the #\'s they had. I was assured if not happy I could reapply in a year. I have had such a run around with WRONG information from GMAC accross the board NO one from GMAC could tell me or generate a amoritization for the new mod and kept assuring me our maturity date of 2035 and balloon payment of 63,000.00 was due at that time. It took the California Senators office calling (MANY attempts) for GMAC to call and produce accurate information on the mod. come to find out we will owe 376,000.00 in 2035. They put me through reapplying, short sale / refi. all to be denied after months of angish. My case go directley to Jessica Klien at GMAC executive offices, no one is allowed to speak to me anymore, she has said there is nothing for them to due unless we default. GMAC did (2) seperate company BPO\'s withen 5 days of each other both coming in at 405 and under and forced back to the companys 3 times to raise the BPO. We want to be able to pay our home off and with the way they have it set up I am a renter,because we will forever owe to the bank, making them 1.8 in interest alone. we had been paying on a 30 y fixed rate for 7 years, now that 7 years is wiped out with a 40 year interest rate loan due in 24 years, with a balloon payment almost the same as the last BPO. (I have EVERY) pice of paper,letter,correspondance,loan docs.

Posted in GMAC Mortgage

Brighton Colorado Aurora Loan Services Complaint
April 3rd, 2011

Aurora Loan Services have provided virtually no communication and has taken over a year to tell us that we do not qualify for a Modification. The first denieal was based on our not checking a box on a tax form and they denied us a period to cure. The second time was because my husband was on Unemployment, but recently he obatained a job. I have a notebook of all communication to and from Aurora Loan and also have it scanned to .pdf.

Posted in Aurora Loan Services

Brighton Michigan Countrywide Complaint
June 19th, 2011

I am not at home so i can\'t answer alot of these questions. My ex-husband (Now my Ex).did the loan and he did alot of illegal activity with his attorney on it. I have PROOF of every thing. My signature was done electronically by (MERS) and alot was done without my knowledge or my consent. My identity theft is so huge that the I.R.S. is handling my case because of all my PROOF i gathered.

Posted in Countrywide

Bristol Tennessee Bank of America Complaint
June 20th, 2011

I was put in forclosed on by BAC and given a date to evacuate my home. However, I sent in a large payment to keep this from happing but I did not owe what they said and would never have been behind at all had I not been instructed by BAC to stop payments in order to be elgible for loan modification. I have been told by my lender that even though I am current on payments that my home is still in a forclose status. This company simply takes advantage of people not big enough to fight them legally.

Posted in Bank of America

Brockton Massachusetts Bank of America Complaint
August 17th, 2012

I went through a Loan modification with bank of America, they said they would help me bring my monthly payment down which they did, but they put me in a ballon payment where my mortgage will continue to grow. I have been trying to get them to look at the documents over, but they are not trying to help. My mortgage is upside down and i owe way more than what i originally took out.

Posted in Bank of America

Bronx New York Bank of America Complaint
March 8th, 2011

I purchased what I thought was a 2 family home in April 2009 and it turned out to be a one family. I was qualified with a rental income of 1500.00 for my mortgage. After tenant stopped paying rent he called the City and filed complaints. I started doing research and found appraisal stating 1 family, title search stating 1 family, deed states 2 family and loan application states 2 family. I\'ve been paying property tax for a 2 family. Could this be part of MERs?

Posted in Bank of America

bronx New York Ocwen Federal Bank Complaint
June 11th, 2011

last easr I almost got forclose stop it with bankrupcty. then it was discharged on error

Posted in Ocwen Federal Bank

Bronx New York Washington Mutual Complaint
September 8th, 2011

After 3 years of trying to get a modification with many documents submitted and there was always a problem when trying to contact someone at the bank. I finally gave up. Now I get a package in the mail from Chase stating that I have a week to resubmit paperwork for a modification. I can not get a true answer from Chase on to why this paperwork has arrived and frankly I do not want to sign anything because I thought there was a class action against this bank

Posted in Washington Mutual

Bronx New York Wells Fargo Complaint
October 2nd, 2011

Wells Fargo promised a loan modification but immediately foreclosed on my property anyway. The then told me my mortgage investor did not want to approve a loan modification so they were denying my application.

Posted in Wells Fargo

Brookhaven Pennsylvania Chase Home Finance Complaint
December 8th, 2011

I have all documentation that they sent me in my cabinet at home. Subject: 4th request and they still won’t modify OUR/ loan. We applied for a 1st time loan on our property that had no Mortgage. We applied for a $63,000.00 Mortgage. We both signed the loan papers, about 25 pages. We received the check with both our names on it. We brought another house for my other daughter, and A year later, 1 got laid off; We have been trying for almost 3 years to get Chase to modify this 10.875% interest rate. We applied for this modification loan back in April 2009. After sending everything that they needed to process the modification loan back in April 2009. In November 2009, they asked me again to send the same paper work. I sent the same material papers on 3 different occasions. They told me that I didn’t live there) I said yes; I know that and the Loan Officer that was assigned to us for the loan also knew that I didn’t live there and that’s why they have a different address for me. I called them back around January 2010, they said send me a copy of the check that bared both our names, which I also sent a copy of that check back in April 2009. I asked my daughter to deal with them because she is borrower too and she is the primary owner as well and she lives there. She sent letters explaining her problems and gave them all her financial information for a 3rd time. Eventually they contact me on 3/16/10.They said the loan was made to me (mother) and because I didn’t live there; I was denied. I immediately said the other borrower lives there - She was a borrow too, as well as me; Cause we both took turns signing the loan papers – page by page. The loan paper has her name through-out. I said, the loan specialist knew that I didn\'t live at the house. Chase only objective was to get the loan with the high interest rate. Very misleading. My daughter was a borrower too and she should be able to get a loan modification for her hardship as well. ( she is on welfare and it is hard for her to make her 1/2 of the payments. (she quit her job for health reasons) I copied all the loans paper that bared OUR names and they stateed. $63,000 with a 10.875 % interest rate. The loan officer that came to our house –knew that I didn’t live there. I need HELP or advice from someone who can help me get this interest rate lowered. If she signed all those papes, and she had to sign the check. Why wasn’t her name listed as borrower too?? As of 12/7/11 she has no income and i am force to pay the whole loan

Posted in Chase Home Finance

BROOKLYN New York American Home Mortgage Corp. Complaint
April 2nd, 2012

N/A

Posted in American Home Mortgage Corp.

Brooklyn New York Chase Complaint
March 27th, 2011

waiting for over a year for loan modification to go through

Posted in Chase

Brooklyn New York Chase Home Finance Complaint
August 23rd, 2011

I was behind my mortgage payments for in 6 months I have received a Notice of Sale sent even with regular mail. I hired voluntary attny, who rescheduled the sale twice because I had loan mod pending, the same story, they asked me hundreds of times to submit different papers and were pretending that they did not receive them. They voluntarily increased the bank attny fees from 4,700 to 9,900 in few months. The last sale was scheduled on August 4, on August 1, 2011 I received the request for updated 4506-T, even I have sent it hundreds of time and they were happy one week before. When I faxed it and called them to find out about rescheduling, they said that it is too later, they should have at least 7 business days ahead. In last day, August 3, 2011, I needed to apply for Bankr 13, which was against my plans and caused me and my family a lot of financial hardship and we are still in risk to lose the app.

Posted in Chase Home Finance

Brooklyn New York NationStar Mortgage Complaint
August 20th, 2013

Nationstar Mortgage LLC of violating the Truth in Lending Act by not giving the modification program that they received incentives from. By them doing this they deny those who are truly in need of this modification to save there home and is getting away with it. If our president has put these laws in place why cant they honor it. They are causing people to lose their homes, which raising homelessness, and foreclosures all over new York.

Posted in NationStar Mortgage

Brooksville Florida Wells Fargo Complaint
July 3rd, 2012

I asked the bank to do a modification. I used making homes affordable who did nothing to help me.My income is low and I am on food stamps. They said I made to much money. I tried to pay them and they refused to take the money, they put my house up for auction yesterday but secreatly bought the loan last week for 100.00 I got the paper work in the mail today. I called the courthouse and they said the lender did not auction the home but bought the loan for 100.00 because they did not like the bids.

Posted in Wells Fargo

brunswick Georgia Chase Complaint
February 28th, 2012

after my morher passed away, my income was cut in half. i applied for a modification. they went up on my morgage i couldn\'t fix the house and make payment.

Posted in Chase

Bryceville Florida Chase Home Finance Complaint
February 6th, 2012

I have multiple documents, we have been working on a modification for over 2 years.

Posted in Chase Home Finance

Buckeye Select Ditech Complaint
September 12th, 2011

We were strongly encouraged to borrow the total amount that the house appraised at and the appraisal was not a fair or correct representation of the home\'s actual value. No one at the Lender\'s tried to work with us and no loan modifications were offered. I don\'t believe we were given all the required documents, either.

Posted in Ditech

Bucyrus Ohio Chase Home Finance Complaint
March 24th, 2011

Was told to get 2 payments behind to apply for loan modification, had to send application twice with no communication from Chase. They also advised me NOT to make payments during my application period. I made several calls and finally received a Repayment program in the mail. I never received a denial letter stating I did not qualify for loan modification to decrease my interest rates, but only provided a Repayment plant that was due on the first day of the month with no grace periods and was double my normal monthly payment of which I then had to pay their fees and late fees and they did not report to the credit agencies that I had made any payments but put all my payments into a suspense fund. I was late on one payment but quickly made it up on next payment and was on schedule with repayment program. They returned my last two payments to me as they sent it back to Western Union, and foreclosed on me the next day. Once I got my letter from the clerk of courts, I called Chase immediately asking them what was going on, and talked with 8 different reps from 8 different locations who all gave me the runaround, entered me into a new repayment program, which now includes the lawyers foreclosure fees of $3000, which all now had to be paid within 3 mos. on top of my normal payments. They would then stop foreclosure and start reporting to the credit agency that my loan was now again \"pays as agreed.\" So not only was I advised to do the loan modification to decrease interest rates, but not advised my loan modificatoin was denied, but entered into a almost \"impossible\" repayment program that has now put me into foreclosure status. And this is \"saving the dream\"? Sounds more like they are killing our dreams. And not to mention what they have done to my credit. Its immoral and unethical and I want my story heard and my foreclosure fees returned. This is terrible.

Posted in Chase Home Finance

BUENA PARK CA California EAST WEST BANK Complaint
December 21st, 2011

THE PROPERTY WAS NOT UP TO CODE, THE ROOF LEAKED, THE SWAMP COOLER WATER LEAKED, WINDOWS DAMAGED, ELECTRICAL WAS INADEQUATE OR ILLEGALLY RIGGED,PLUMBING WAS ROTTING, WAS QUITE UNINHABITABLE, THE TENANTS DID NOT OPEN DOOR FOR ANYONE TO PEEK,LET ALONE DO INSPECTION OR APPRAISAL, AND THE PROPERTY SHOULD NEVER HAVE APPRAISED FOR $485,000 THAT THE BANK MADE IT TO BE. HOWEVER, THE BANK, AND IT\'S AFFILIATES LOOTED ME OF MY DOWNPAYMENT OF ABOUT $150,000, PLUS SUBSEQUENT REPAIRS AND RENOVATIONS OF ABOUT $50,000, AND FINALLY FORECLOSED ON ME BECAUSE i COULD NOT CONTINUE TO PAY FOR THE PARTIALLY EMPTY PROPERTY. I HAVE BEEN ROBBED BY THIS BANK.

Posted in EAST WEST BANK

BUFORD Georgia Aurora Loan Services Complaint
October 24th, 2013

Aurora Loans transferred loan to NationStar now we are paying 45 less a month from original loan @ 7.35% vs. the new 2.5.

Posted in Aurora Loan Services

Burbank California Homecomings Financial Complaint
September 7th, 2011

Currently in a loan mod, the mod has been approved and have been paying for the last six months, but the mod took 3 years and meanwhile I was paying at a higher interest rate, and those payments were not applied against principal balance

Posted in Homecomings Financial

byhalia Mississippi Ocwen Federal Bank Complaint
April 15th, 2011

my loan originated in 1997 for $36,800 for 15 years. i was forced to file bankruptcy 2 times to avoid foreclosure and was foreclosed in 2005 but got the loan reinstated. i have paid on this loan for more than 15 years and still owe over $25,000, also paid more than $20,000 to have loan re-instated and have a balloon payment due in the near future. i admit i have not been the perfect customer and have made many late payments but i have obviously been ripped off by this company and they will not help me in any way

Posted in Ocwen Federal Bank

Cabot Arkansas Chase Home Finance Complaint
April 28th, 2011

I had never been late on any payment! I lost my job and then my husband went into the hospital! I made arrangements with chase mortgage to catch up on my payments. The agreed to help and we sat up a plan! I called to make my first payment... At this time I was 2 payments behind..they refused payment and said I had to make 2 payments! I made arrangement to do that! I then called to make payment! They informed me that they had began foreclosure on the home. At that time I began a loan modification.... They kept loosing faxes and kept me going back and forth.... We sent them a letter asking their intentions... The response was that our home would be sold on feb 15 on the court house square! We moved out of the home the first week of feb. 2011.... I cancelled the ins on the home and walked away. I put all my things in storage and moved into a camper, which is where I live now. I then receive a letter in the mail telling me I have to carry ins on the home... I called chase and they informed me that my home was part of a civil action that chase lost and that I can keep my home.... Funny, I received a letter in the mail on the same day saying my modification was denied d/t incomplete paperwork! I have kept everything...faxes, phone conversations and dates! EVERYTHING! I don\'t trust chase! I won\'t move back into the home....I don\'t feel I souls pay ins on a home I was forced out of

Posted in Chase Home Finance

Calimesa California New Century Financial Now Carrington Mortgage Services Complaint
January 20th, 2012

Owen is serviced and cannot provide information on note holder. All county records show New Century still note holder. Owen cannot tell me where they have snt my payments to since New Century went bankrupt and out of business. It appears loan lost in MERS system.

Posted in New Century Financial Now Carrington Mortgage Services

Cameron Park California Citimortgage Complaint
April 23rd, 2012

We had no other option but to accept the unreasonably high loan mod payments that the lender decided we could afford (after several months & paperwork being lost). We decided to try to short sale &had an open file with the a short sale rep when the bank would no longer communicate with us. They set a date and foreclosed on us right before Christmas. They offered us more compensation if we moved out Dec 23rd (w/2kids). The reason they gave for stopping all negotioans and foreclosure was that they \"didn\'t believe we lived in the home.\" We had sent every piece of proof they asked of us, and let them come in & do an appraisal while we lived there.

Posted in Citimortgage

CAMP VERDE Arizona Citimortgage Complaint
February 18th, 2011

They have been threatening to foreclose on me and have done so 5 times this past year, all the while promising to modify my loan! Every other phone call I\'m either put on hold, dropped the call, lied to, repeatedly and told that I qualify for a modification! I was told in Dec. that my payments had gone up from 1423.70 back LAST MARCH (which was supposed to be the trial payments for the modification that were only supposed to last 90 days, but has been going on now since Oct of 09!) to $2089.00 per month! They have caused undo stress- lied, cheated and stole from me in so many ways! I\'ve lost countless nights of sleep, my nerves are fried, I work constantly, 7 days a week and have kept up with the agreed payments and am still threatened with foreclosure. I get no where whenever I call. They\'ve lost documents, claim I haven\'t sent them in, or that I need to send in more and oh yeah- too late... so sorry, we screwed up the deadline- you\'ll have to do it ALL over again! I have a small mini ranch with 19 animals! I cannot afford to lose my home! I am capable of making payments, within reason- they\'re insane. I\'m so stressed out all the time that thoughts of suicide keep entering my mind. PLEASE HELP ME!!! (I do not know where to turn! I am only able to keep up with payments, and normal every day living expenses. I don\'t have the money for a lawyer... other than the mortgage payment, I\'m debt free and owe no one!)

Posted in Citimortgage

Canoga Park California Chase Complaint
April 12th, 2013

I AM A SINGLE MOM FIGHTING BOTH CHASE BANK AND BANK OF AMERICA. THE WHOLE TIME IT WAS NOT CHASE BANK WHICH BOTH CHASE AND B OF A ALLEGED WAS FORECLOSING BUT IT TURNS OUT CHASE IS NOT ON THE TRUSTEES NOTICE OF SALE IT IS B OF A THAT IS THERE AND WMALT PASS THRU CERTIFICATES FROM WAMU AS MY LOAN WAS WITH WAMU ORIG. I HAVE LOTS OF PAPERS TO MAIL YOU. MY HOUSE WAS SECURITIZED.

Posted in Chase

canton Georgia Bank of America Complaint
June 11th, 2012

horrific all kinds of respa and tila violations, lost paperwork, etc.

Posted in Bank of America

Canton Michigan Bank of America Complaint
February 8th, 2012

In August 2009, Bank of America told us to pay about $791/mo which is 1/2 of our monthly payment. When asked if this for Home Modification, I was told that this was a trial basis, if all payments were made for the next 6 months, our loan would be modified. 2/10 we called to see where modification papers were. We were told BofA was behind and to keep doing what we were doing. We were told this 3/10,4/10 and 5/10. In 5/10 we began to recieve acceleration papers to forclosure and home modification paperwork. When we asked, BofA said we had to start over with the modification process. 6/10 we had all paperwork in to BofA. 8/10 We were told to have the pre-forclosure meeting with Greenpath. 10/14/10 after following BofA, we were told they were forclosing on our home. On 11/4/10 they told us were being modified but they were still forclosing. We got two different responses from BofA and still don\'t know which is correct.

Posted in Bank of America

canton Ohio Charter One Complaint
April 25th, 2011

cco refused to recognize me as a trustee on the loan

Posted in Charter One

Cape Coral Florida Bank of America Complaint
October 9th, 2011

Bank have refused to renegociate or switch this loan. they imposed insurane using inaccurate data which put the mortgage behind, despite being told specifically that I would pay the insurance. The insurance was more than 3x the cost of my own insurance. Bank told me that I did not have a high enough credit score, they lied about the score. As I only have the mortgage and no other credit and have made all the payments on time I put in $100,000 to get a new mortgage at better interest rate....

Posted in Bank of America

Cape Coral Florida EMC Complaint
October 5th, 2011

We are in our 4th loan modification with nothing but delays and evassive answers to our questions. We continue to pay our \"trial payments\" but they are not being applied to our account and we have no idea where the monies are being held. They wil not tell us anything obout our what is going to happen after the trial payments are made.

Posted in EMC

carlotta California Bank of America Complaint
July 21st, 2011

l was lied to.told to take specific actions.jumped thru hoops.found out freddy mac bought loan by realtor.hired Alia law group to help with modification within one week of hiring Alia bofa foreclosed.So many lies i just dont understand.Bofa and Freddy mac are in bed together.I was not even given the chance to short sale property.Vindictive actions by Bofa

Posted in Bank of America

carlsbad California Bank of America Complaint
October 24th, 2012

I contacted BoA over 3 months ago for a Harp Loan modification. They ignorned request until I did not pay for 2 months then keep sending me forclosure notices and everything but the Harp application which was the only thing I constantly kept requesting. Finally they sent Harp loan modification application and went over my financials on phone and informed me i pre qualified even though they knew they were selling my loan. I knew nothing about this. once they knew they were selling my loan. They then pre qualified me for Harp and the day I got the application I sent back all information for Harp. They then refused to return emails and phone messages from me. I was also never given the company that was taking over my loan. Once my loan was sold BoA still would not inform me who owned my loan. I finally got a letter from new loan company after Octobers payment was due. This is a deceptive practice by BoA and even after their last classs action suit they continue to avoid assistance to qualified applicants. I want to be involved in any current suit against BoA. I was lead on class action suit against AOL was depositioned and testified and help win a multi million suit. I\'m not in this for the money. I am in this to help teach BoA that treating clients like this will not be tolerated.

Posted in Bank of America

Carlsbad California Chase Manhattan Mortgage Complaint
September 21st, 2011

We also had two other homes (this is the last one I have left) that were foreclosed upon involving ballooning neg amortized loans with skyrocketing payments and lenders who refused to restructure the loan or work with us(similar to this situation). As a direct result,we have lost everything (over $2 million in real estate holdings).

Posted in Chase Manhattan Mortgage

Carlsbad California Countrywide Complaint
October 25th, 2011

We were originally approved for a modificaiton (which took over a year), but the payments were actually higher than our current payments.

Posted in Countrywide

Carpinteria California Bank of America Complaint
February 10th, 2012

I applied for a loan modification . after two years of making an extra escrow payment of 475 per month I was refused twice for not meeting the bank criteria. Then the Equity line was attacked frozen and the payment doubled...the bank gave me the raspberries and now I want to give it back to them....In my research I see that I am not alone and the Bank of America is scam artist that does not treat the customer with personal value. I have been here 30 years and the ban will not get my house . It will not say Bank Owned....I want to sue them for wrongful representation of false advertising and have my mortgage reduced. Please Advise!

Posted in Bank of America

CARROLLTON Georgia Citimortgage Complaint
October 7th, 2013

in 1999 paid a mortgage broker under the name of SunSouth lending helped me create a mortgage this company was not licensed mortgage broker did a bait and switch at closing. paid the broker due to lack of knowledge in mortgage industry. after 11 years with a change in statement templates from CitiMortgage the word balloon appeared on statement, 15 year balloon note. broker presented a 30 year mortgage CitiMortgage does not want accept a loan modification until balloon note comes due and in the last few months we were turned down on loan modification due to falling behind on payments. A lot of questionable legal activity with this mortgage and creator. mailed a QWR July3 2013 to Citi with NO responds

Posted in Citimortgage

carson California Bank of America Complaint
May 27th, 2012

bank of america has been giving me the blues. i had been late for three years now the want to foreclosed on me they said that my investor to not want todo anythin but short sale or forclosed.They wait until i get so far behind. no help .

Posted in Bank of America

Carson California HSBC Mortgage Corp. Complaint
March 29th, 2011

They reduced my 1st mortg for 6 months and at the ame time pay half my original note to catch up which was the same as what i was already paying they said that\'s the best they could do for me. At my last refinance they I told them it would be struggle for me and they told me to come back in 9-12 months and they would refinance and when i went back to refinance they told me my credit was too bad and I explained that was from the high mortg I was trying to keep up with. They said sorry.

Posted in HSBC Mortgage Corp.

Cartersville Georgia Bank of America Complaint
January 24th, 2012

BANK OF AMERICA PUT ME THUR HELL . MY CREDIT SCORE IN THE BEGINING WAS 750. I GOT LAYED OFF OF WORK IN 2009, DUE TO LACK OF WORK. I CALL MY BOA, ASK THEM TO DO LOAN MODIFICATION, SINCE I HAD BGEN LAYED OFF, THEY SAID I COULDN\'T BECAUSE I HAD ALWAYS PAID ON TIME. THEY TOOK ME TO NOT PAY FOR 2 MONTHS SO I WOULD QUILTFY. i THEN WAS TOLD TO PAY 470.00 A MONTH MODIFIED AMOUNT, GOT PAPERWORK FOR THAT, PAID THAT AMOUNT FOR A YEAR, DURING THAT TIME i WOULD HAVE TO CALL AND MAKE MY PAYMENT TO GET CONFERMATION # AND I WOULOD BE ON THE PHONE FOR OVER 2 HOURS BEINHG TRANSFORER AT LEAST 10 TIMES BEING TOLD THAT I WAS BEHIND ON MY PAYMENTS AND THEY WERE ADDING LATE FEES FOR PARTICAL PAYMENTS. THIS WHOLE TIME MY CREDIT REP9ORT SHOWED THAT I WAS BEHIND ON MY MOREGAGE , WHEN I WAS PAYING THE MODIFIED AMOUNT. I WAS ALSO GOING THUR CHEMO AT THIS TIME, AND IT WAS TO MUCH STRESS

Posted in Bank of America

cartersville Georgia Countrywide Complaint
May 13th, 2012

a total nightmare no one ever knew what the person i had talked to on any 1 of at least 100 times i called there hope program i think it is probly the most stressful thing i have delt with so far in my 57 years of life .i have never talked to anyone who succfully got a modification from country wide

Posted in Countrywide

cary Illinois Washington Mutual Complaint
August 30th, 2011

Since 2007 - Originally a WAMU loan had submitted for modification to WAMU and have just been getting the run around with documents request - even with all documents - almost 500 pages sent since the last 3 years nothing has been done. They did offer a forebearance plan once but i did not sign and send back the docs since i wanted a modification - even with a reduction in the interest rate i can keep my home..

Posted in Washington Mutual

Casa Grande Arizona American Home Mortgage Corp. Complaint
September 30th, 2012

I advised my lender of my divorce and the inability to keep up with the large payments. I sent them information twice and they said it was never received in an attempt to lower my payments. They also told me I would have to be behind in payments before they could give me any assistance in lowering my payments. Was also told that with two years of good payments when it came time for it to swtichover to an ARM they would work with me to keep my fixed rate which they denied ever saying.

Posted in American Home Mortgage Corp.

casa grande Arizona Bank of America Complaint
September 24th, 2011

i tried to get help to keep my place, however since i refinanced my place in March of 2009 after becoming ill, i was denied.

Posted in Bank of America

Casa Grande Arizona J and R Lending Complaint
April 21st, 2011

Brief: J & R Lending original lender - sold (?) to Countrywide. Kitchen Top signing - Nothing Recorded at County Recorder\'s Office. Just myself and J & R Lending. BAC refused to fill out QWR X 2 - No Note. Says it went to MERS .. MERS says NOTHING RECORDED. Credit is a Mess cause of this. Have not paid BAC at all Stopped Payments to Countrywide 2 years ago.

Posted in J and R Lending

Cascade Maryland Bank of America Complaint
March 26th, 2011

We were in a mod. program after being kicked out several times , we NEVER got anything in writing , we told them we were going to file chapter 13 and they said \"no problem \" well as soon as we filed they kicked us out and we had to convert to chapter 7 , that has been discharged and they sent us a modification packet that we are to answer by 4-09-2011 . I am worried that will reaffirm our debt and get a deficiency judgement . Please help us

Posted in Bank of America

Castiac California 21st Mortgage Corporation Complaint
May 29th, 2014

MY ORIGINAL LOAN WAS WITH METROCITTIES MORTGA AN incorrect GMAC fraudulent HAMP modification the modification should haveincluded property taxes and homeowners property insurance once it was finally added to my mortgage my monthly payment went up $1,000. making it more than 40% of our then family earnings, My Wife and I bought our home in 2006 to get our 3 children into better schools and neighborhood I had been earning over $100,000. a year and my wife over $50,000 OUR LOAN WAS THEN TRANSFERED TO OCWEN AND NOW TO 21ST MORTGAGE CORPORATION Ihave been working with KYHC or the hardest hit fund, 21st had lagged behind in giving me a loan # and also waits days to except payment into mortgage account causing my payments to be an extra month behind my last payment from KYHC will be at the end of june due to the way 21st Century lags on payments once the final payment goes through at june 23 i will be again in default by 3 to 4 months i am seeking justice for my family of 6 and can not afford an attorney and cant even find one that is trust worhty or a pro bono attorney thanks Jesse Donnelly

Posted in 21st Mortgage Corporation

Castle Rock Washington Bank of America Complaint
May 17th, 2011

Started with Countrywide. Would not adjust ARM intrest rate to make it affordable. Only offered to put arrears on end of loan and actually made payment higher. Was sent default papers and even visited by someone representing bank asking to come in and take pictures of home and asking lots of questions. Moved out before they kicked us out and contacted them to try to work out a deed in lieu of. They did not want to do that either. That was 2 1/2 years ago. Still have not forclosed and contiue to report on my credit report late payments. They have changed the lock and posted Do Not Enter signs on doors and windows. Just want this to be overwith. What can I do?

Posted in Bank of America

cedar creek Texas Accredited Home Lenders Complaint
January 20th, 2012

They make it almost impossable to pay them consistant on the internet. There has been payments not posted for long periods of time. Never post ontime even when paying on the internet via bank draft. MGC mortgage is the worst and I wish they had never purchased my loan. Oh and I almost forgot the escrow payment went up by 150 dollars a month claiming a shortage.

Posted in Accredited Home Lenders

Cedar Hill Texas Chase Complaint
April 22nd, 2011

When I found out that the appraisal was inlfated I attempted to complete a short sale and continued to make payments for over a year. I sent in several packets but was told over ten time that the information was not complete and other excuses. I was given the run - around for over a year. It was a horible experience. I was lied to by customer service, hung up on, and never received a call back when scheduled.

Posted in Chase

cedar lake Indiana Bank of America Complaint
November 12th, 2013

did not understand countrywide gave mortgage to bank of america.

Posted in Bank of America

Chambersburg Pennsylvania Chase Complaint
June 4th, 2012

We had fallen behind two payments after switching jobs. We eventually got to a point to where we could work out a payment plan to get caught up. This is of course after we tried a loan modification 3 times. We spoke with a Chase representative that heard our plea and assured us our repayment plan was ok and it would not be sent to the foreclosure dept. We started to make our payments and after a month we recieved a letter stating it has progressed to their foreclosure process, tacked on lawyer fees, and wanted over 7k to keep it out of forclosure. Almost everythime we speak with them on the phone what follows is always different. So we decided to start a short sale to prevent a forclosure or having to file bankruptcy. We have a realitor and I follow up wit Chase weekly to make certain they have their required documents. I spoke with them last week and they assured they had what they needed and sent out their appraiser. I now get a letter in the mail stating they need all these documents they have claimed to have recieved. They need these documents by June 9th 2012, 15 days from the date of the letter. The letter is dated may 25th and I recieved it June 1st. I feel they are trying to push me into foreclosure as fast as possible to maybe avoid me filing a bankruptcy. I can not think of any other motive as to why they play these games with lost documents or sending letters late to make it harder on us to respond in time. They are walking a fine line of the law and I need to know if they are liable for this kind of misleading practice.

Posted in Chase

Champaign Illinois Wells Fargo Complaint
June 7th, 2011

tried to lower payments under Obama plan and were denied. My wife and I are disabled, after several years of goodstandings.

Posted in Wells Fargo

Chandler Texas Bank of America Complaint
March 5th, 2011

escrow account was mismanaged allowing two seperate home owners insurance policies. over $1,000.00 sent to another account we were unaware of. threatened with forcloser while trying to resolve the issue. made payments and again BAC directed house payments towards escrow. on the phone with them every other day. they bill us we pay and then money sent is not applied to our mortgage. HELP !

Posted in Bank of America

CHAPEL HILL North Carolina Saxon Complaint
June 8th, 2011

Quite a ride as the problems are not handled. As if I am working with a mafia who is collecting money.

Posted in Saxon

Charlotte North Carolina Bank of America Complaint
February 27th, 2011

Closed with Countrywide in May, 2006. No issues, FHA loan, everything was OK. Missed a payment in 2007 and the bank started telling us we were late from that point on. Even though we\'d made up the payment we were late. In Oct 2008, Countrywide told that we\'d have to enter a Loan Modification in order to correct the fault, even though we were sure we were current. They told us NOT to make a payment and our next payment was due on Oct 1, 2008. We did, and we began to make the payments. In Dec 2008, my mother passed away and we had to pay late as I had to pay for the services and travel for her (too much to discuss), but, we still paid, I just had to split the payment into 2 parts, one on the 15th and one on the 1st of Jan (including the paymentdue for Jan). The payments were returned, even though I\'d they\'d accepted the partial payment on the 15th. I was told they were going to proceed or accelerate because I didn\'t do it the right way, even though it was the right amount. We got over that hurdle and we were told to continue making payments through Western Union. Fast forward to mid 2008 and Western Union started returning our payments, Countrywide was bought by BofA, we had no new information, no one to contact, and no where to send our payments. We went to a local BofA brand and spoke with the Mortgage Loan people to find out who to contact, they gave us a number, no one could help us because we didn\'t have a BofA loan number, the Countrywide website was not allowing us access, and we were stuck. In late 2008 (September) we received a package that was \"Welcome to Bank of America Home Loan Services\" and another envelope that was a monthly statement from BofA. We called the number given and were able to speak with someone, at this time, they told me I was $8,300 past due and I needed to mkae plans to pay and get current. I told them I had been paying and they stopped taking the payments, at tat point, they informed me \"BofA doesn\'t accept Western Union, that was Countrywide\". They also would not accept anything less than the full amount they said was due, which I disagreed with, and requested a detailed summary of my account and where the moey had gone in addition to when I\'d become \"default\". They didn\'t provide. In Aug 2009, they\'d offered a modification and sent some paperwork via FedEx.I completed the paperwork, they never recieved it... we did this a total of 4 times... In Jan 2010, I went to NACA to work with them. We submitted a total of 3 more times through NACA to BofA, always were promissed a \"solution\" then in the final hour, they\'d say we didn\'t send the paperwork, EVEN THOUGH IT WAS ALL SCANNED ON THE NACA SYSTEM FOR THEM TO SEE... IN Feb. 2010, I received a notice to accelerate followed by a note of default in March 2010, and more returned payments... In June 2010, we recieved a a notice that the default was no longer on our account, we were not facing forceclosure, and we were going to recieve a solution and modification. However, after I\'d requested some specific regarding my account, including the original loan documents, the account history, and the previous offers to modify, BofA posted a note on NACA saying the modification was now declined because \"Lender failed to submit the required paperwork\" (even though it was RIGHT THERE on the NACA site for them and they\'d already said they\'d recieved it. Later I found out my loan was registered in MERS, the original Title Trust Co. is now bankrupt, OCuntrywide is out of business, and they will not foreclose, and I don\'t know how to sue to get my property cleared or get a better solution.

Posted in Bank of America

Charlotte North Carolina Chase Complaint
July 27th, 2012

They refused payments until it got to where they wanted more than I could dream of paying.

Posted in Chase

Chatsworth California Bank of America Complaint
May 18th, 2011

Bank of America did not send me notice for rejecting the loan modification and did not sen notice for forclosure.

Posted in Bank of America

Chatsworth California Washington Mutual Complaint
September 6th, 2012

First with Wamu - $312000 Second with Wamu - $250000 for renovation. Joint Tenant Broker needed money, paid off my house with a sub prime loan without my knowledge, until he tried to evict me stating he bought the house..judge ordered him to restore my name to title...said \"Mr Wolff, you cannot evict a joint tenant and you did not buy Ms Weems\' house. However, due to the amount of the loan, the second judge ruled for the lender which is now Deutsche Bank...I want to invalidate the sale since I didn\'t authorize it and qualify to stay in my house. Washington Mutual didn\'t contact me to find out if I really sold the house...I had been with them for a long time and had refinanced in 2005..why would I refinance if I were planning to sell..I wouldn\'t have. Michael Wolff filed chapter 7 and his loan is foreclosed. I haven\'t declared bankruptcy and my loans in my name are paid in full...I want this foreclosure stopped.

Posted in Washington Mutual

Chatsworth New Jersey Bank of America Complaint
June 29th, 2011

For 2 yrs we\'ve been trying to wokr

Posted in Bank of America

Chesapeake Virginia Bank of America Complaint
August 9th, 2011

I applied for a loan modification in May 0f 2010. Everytime i called to check the status i was mislead and even told it takes 6 months just to receive an application. In January of 2011 i couldnt afford the mortgage any longer. I knew because i was going through a divorce that i should qualify for a modification. I paid the 3000 mortgage alone for 10 months and depleted my savings. Since January i have had over 30 conversations with the bank faxed over and overnighted paperwork several times. I was told my file was closed and sent in for short sale because the agent didnt scan my paperwork in time for the modification. So it was denied due to not having the paperwork in. I have gotten the run around and would have a paper trail and recorded conversations.

Posted in Bank of America

Chesterfield Michigan Litton Loan Servicing Complaint
February 22nd, 2011

Went to modify and after months of working with them we were denied. Then we were like 4 months behind and they tacked on all of these late fees

Posted in Litton Loan Servicing

Chesterfield Virginia Bank of America Complaint
October 27th, 2011

We started modification process 9/10 due to loss of income for 2months. we went 3mths behind made a partial payment which they took and applied to their bank fees and put us another month down. We have submitted numerous docs and had some dissapear and we had to send again. Sept2011, we went again submit paperwork, were told that they are looking into programs. Yesterday, I find out that they have put me into forclosure. Pls help this is our primary residence with 3 little kids.

Posted in Bank of America

Chicago Illinois Bank of America Complaint
June 7th, 2014

Countrywide was original in 2004 then somewhere came in BOA, we fell behind in 2010 after loss of job tried to get modified, never happened, lots of back & forth, now its 2014 & SLS states they are forclosing next month, I askd \"whos my investors on property,\", Countrywide is listed as Current Mtg holder ??? BOA is nowhere shown on paperwork of purchasing loan, this is illegal

Posted in Bank of America

chicago Illinois Indymac Bank Complaint
April 4th, 2011

I have attempted to fight this case Pro Se.I became involved and responsive after the foreclosure went into default in Sept of 2009. Judge Margaret Brennan of the Cook County Foreclosure divisions has denied me the right to protect my property. She has instructed the counsel, Codilis & Associates, as to how to proceed with my case so as to not allow dismissal. The judge granted the motion to confirm the sale on 3/21/2011. I have until 04/20/2011 to respond.

Posted in Indymac Bank

chicago Illinois Mortgage Lenders Network Complaint
November 28th, 2012

constant harassment for Payment. My case was taken over by the F.B.I in Chicago

Posted in Mortgage Lenders Network

chino California Bank of America Complaint
June 28th, 2012

bank of americia turned me upside down saying i didnt pay and i did in dec 2010 my kids had a very bad accident a man came and told me my loan was so elegal i paid him now iam fighting for my life because he scamed me as so was the bank and now iam looing everything the bank keeps putting me off

Posted in Bank of America

Chino Hills California Wells Fargo Complaint
September 16th, 2011

My Lender is giving me the round around !! They lowered my payment for 3 months, after the third month, they said i would be giving a Loan Mod, wrong they tried to foreclose on me so i had to file for bankruptcy to keep the house !

Posted in Wells Fargo

Chireno Texas Bank of America Complaint
February 23rd, 2011

This is a reverse mortgage.It was signed with Seattle Financial who sold it to Bank of America. At closing I got an 80th draw based on the value of my Home (which was paid for) and worth 160 th. The bank withheld 5th for montly service fees. I assumed that they would merely deduct the fee from the set-aside fund of 5th. They are adding the monthly fee to my bottom line therefor increasing what I owe the...AND they are charging me interest on the 80 th which is no longer 80th but 75 because of the set-aside fund. I have been argueing with them for almost 2 years, I have lots of communication to share. I have now complained to the FTC and they are investigating. As far as I can tell all of reverse mortgages are handled the same way. what is the statued of limitations in this case..I have been arguing with Bank of America for a year and a half?

Posted in Bank of America

Chowchilla California Bank of America Complaint
August 7th, 2011

recently accepted poor modification that I still cant afford with 40 year note.

Posted in Bank of America

chstsworth Georgia Sun Trust Mortgage Complaint
January 18th, 2012

built a house in 99 through one bank money was taken out 35000 got financing with two payments the bank sold out was taken over by fsg bank paper brought back in the house have been paying on the house for 11 yrs on 5 and 2 year notes because the appraisal was 128 owed 162 the balance now is 125 abd they have only offered a two year extension w me paying 3000on fees the were aware of the situation for 11 years an now in a chapter 13 and the want to foreclose

Posted in Sun Trust Mortgage

Chula Vista CA California US Bank Complaint
April 18th, 2011

Downey Saving was asked for a loan mod and they stated that it could not be done if I were current on my payments. After skippiping a few payments I learned in the preess that Downey was out of business and that US Bank was not the title holder to my loan. Several request were made for a loan mod and all were denied. NACA attempted to assist me on the 3rd attempt and could nt contact the bank. I was sent a denial of loan modificatin and foreclosed on by US Bank, even with a monthly income of $5200. They simply refused to assist me and foreclosed on the house. I have all of the documentation that was sent to them and all of the letters they sent to me regarding this matter, however I am not a loan expert or a lawyer.

Posted in US Bank

Cincinnati Ohio Citimortgage Complaint
April 3rd, 2011

Citimortgage has tried to file a foreclosure against us without our having any knowledge about their pending actions. We applied for the H.A.M.P. program and were initially approved however, Citimortgage failed to send the supporting documents with the contracts of the program terms, payment amount and address to send payments to. We went to a workshop in October of 2009 and were to receive paperwork from citiMortgage within (2) weeks, however, when we called to followup on where the paperwork was and what we should do in the meantime we were told that they were overloaded and that paperwork was being processed and that we should expect to receive something shortly by fedex, etc. This information was not received until 1/17/10. They immediately told us that we were not able to paricipate in the program because we had not send out (3) initial payments in. The truth was that this overnight letter had been processed to go out on/around 10/17/09 yet it had somehow been misplaced and not sent out on time. I also believe that when I went to refinance my home in 2006 my credit rating was really good at an approximate 680 - 720 credit score. I truly believe that for my credit rating I was not offered the same loan products or opportunities that perhaps persons of different racial orientation or geographic address. There have been so many foreclosures in my residential area that my home that appraised at 125,00+ in 2006 now has a general appraised value (zillow.com) of only $41,500. Citimortgage\'s internal business structure makes it extremely difficult to do business with them in a timely manner. After an unexpected acute illness with extended recovery period - I, along with several counselors that were allegedly helping me, could not even get through to there offices for nearly (6) months. Citimortgage is horrible and probably conspired with the broker to take advantage of us.

Posted in Citimortgage

Citrus Heights California Bank of America Complaint
September 4th, 2011

they denied the 1st one for being turned in less then 30 days from date of sale but it was accually 33 days before sale. Then didnt send they papers when they said they would.

Posted in Bank of America

citrus heights California Chase Home Finance Complaint
February 21st, 2011

Have been trying to get this loan modified due to unforseseeable circumstances since 2008!! forms have been lost and changed by them. Our payment has actually gone up since the bank started to help us. We need help

Posted in Chase Home Finance

Citrus Springs Florida Wells Fargo Complaint
October 11th, 2011

We have not been forclosed upon to date.The mortgage company wants to work with us and offers relif through programs that they themselves have created. They have also created a mystery woman who obtained a judement for child support in the amount of 7000 while myself and husband are raising our 2 children and have no other children or spouses. Dispite the corruption the mortgage broker concocted in this case.

Posted in Wells Fargo

Cjeltenham Maryland Aurora Loan Services Complaint
September 6th, 2011

predatory lender, excessive workout agreements to no avail for over 18 months, was only behind one month now due to fees and difference in workout payment and original morrgage we owe them over $50k, before this supposedee workput plan we paid every mortgage payment,

Posted in Aurora Loan Services

Clarks Summit Pennsylvania Chase Home Finance Complaint
April 9th, 2012

I started a modification and it took 2 years to get done. They kept telling me I had to send the same papers over and over again because they didn\'t get them. I almost lost my house because of it. They added on lots of interest and late charges when they said these would be taken off once the modification was completed. Now they have another company collecting the payments and the payment rules are different.

Posted in Chase Home Finance

clarksville Ohio Accredited Home Lenders Complaint
February 18th, 2011

when the economy began to drop so did my husbands hours.we applied for the obamma program a few times.they kept telling me that we did not have different papers in and we sent them over and over between faxing and mailing them and they would still say we don\'t qualify.just given a complete run around.and where they say if you get behind they will move a payment to the end of the loan...try that.it does not happen.we had to do a bankruptcy after around a year of this game.we have been trying to reaffirm our mortgage agreement since last nov. before our bankruptcy was final and they are still refusing.they refuse to show our payment to credit reporting agencies,they are keeping us in their bankruptcy department ,our payment has to go through that same department,and instead of giving us a monthly bill in time to pay the are sending a black and white statement so late in the month that we have to use one from prior month to pay on time.my attorney has contacted them repeated.

Posted in Accredited Home Lenders

Clarlsville Virginia Bank of America Complaint
July 9th, 2013

In December 2012 I started what was to be a four month process to secure a HARM modification. I provided volumes of personal financial data (often duplicated per bank request). In April 2013 I was turned down because I was current on my loan. The case manager advised that I could refile if circumstances changed. One change he acknowledged was a failure to stay current. I tried that and was again declined and sent volumes inviting me to participate in foreclosure.

Posted in Bank of America

claude Texas mays foundation Complaint
December 5th, 2011

non profit organization is lender. hold checks so loan payment late. refuses to give info for me to refinance. refuses to work with me on lowering interest. charges lawyer fees if a day late on loan. charges whatever and sends foreclosure letter and I can\'t get help anywhere. payments are not bad but when they cause to be late and charge lawyer fees i am constantly behind. would not give disclosure statements and then found problems with electric, roofing etc. they refuse to fix just send letters and charge fees that are outrageous.they are suppose to be non profit but they have done this with this same property to last 4 or 5 owners. profit for selves and attorney.

Posted in mays foundation

clayton North Carolina Countrywide Complaint
April 18th, 2011

pick a payment loan, am going to lose my home, they\'ve offered a short sale for 168000 to a borrower but nothing to help us

Posted in Countrywide

Clayville New York Home American/ Southwestern Complaint
April 22nd, 2011

first lender clames they gave a man with dementia and blind terminaly Ill Died one year later a loan . No prrof of such loan Prevented incom from tenates telling them to not pay heirter . Illeagally broke into home before any type of legal seasure of property. They Clame at the court house they bout it for 100.00 Dollars. Meanwhile Jasek family still paid the taxes and live in resdents. Deed fake , to get deed in 2010 they filed a quick clame to A DEAD MAN ? Now a Oneida county Supreem Court Judge ROMONO/Clark acknowleged All ileagal evidensce presented but refuses trial rulls to settle with me paying 20,000 with a 24% intestate rate To muc to say in a breef area feel free to CALL PLEASE HELP ME .. Thank you

Posted in Home American/ Southwestern

Clearwater Florida Bank of America Complaint
August 10th, 2012

BOA refused to work with me lied about why they won\'t accept my modification, and pretends to be your friend when they are not.

Posted in Bank of America

Clearwater Florida Wells Fargo Complaint
September 30th, 2011

I applied for the home loan modification in Jan/11, have been approved, then they lost papers, then I was denied but qualified for a different loan, approved, lost papers then denied again.

Posted in Wells Fargo

Cleveland Georgia Chase Home Finance Complaint
March 1st, 2011

Chase, HAMP, MakingHome Affodable had me in and out of their temp loan modification 3 times. They PROMISED I would not be foreclosed on- and then filed paperwork McCalla Ramer in Gainesville. I have filed bankruptcy to forestall any furth action for now. They promised to re-appraise the property value (lower it), lower my interest rate and make it a 40 year loan- to lower the payments.

Posted in Chase Home Finance

Cleveland Texas Sun Trust Mortgage Complaint
September 13th, 2011

I bought my home in 2003, I became disabled in 2008, started this loan process in 2009, I am a single mother of three, and when I started the amount that it reduced my payment to each month allowed me to pay my mortgage and my other bills on my own with my disability each month. It is now 2011 and I have been sent to foreclose on Oct 4, 2011. As SunTrust says that I am 11 months behind on my payment. I am not behind. I have been paying the pre trial amount that I have in black and white that was agreed upon. Also Suntrust says that my amount went up from the org loan amount around 570 a month to 644.04 back in Nov 2010. I have not received any notice on this at all, and NOT ONE of my statements from them reflect that amount. I asked yesterday Sept 12, 2011 why the payment went up on the org amount and was told that it was due to my taxes going up. There is NO WAY THAT MY TAXES WENT UP…I HAD THEM FROZEN IN 2008 AFTER I GOT MY SSD. So they say the over 7 grand that is owed is from non-payment since November…I have all my checks that have gone threw my bank…how is that/this possible. I was told that I was denied on Sept 7, 2011 by the lender fannie mae and then was sent to foreclosure that is a lie..Suntrust said that they lender denied me because “market value of property is less then 80% of my balance” It’s like each time I call I learn more and more and seems like it’s being padded or something. How can this happen…How can I save my home??? I have been working with them calling all the time about it…and all I have gotten on the response is it is in review or there are just alot of them (modification) and they will get to mine. Then all of sudden this…again my home is set to sell on Oct 4, 2011 and I have been told by Suntrust that there is NOTHING THAT I CAN DO….If you can or have any advise…PLEASE tell me let me know…again my name is Stacey and I am disabled single mother of three children and just want to be able to keep my home and raise my kids….Needless to say all this stress has not helped my condition at all…It has caused me so much stress…. Thank you for your time in reading this and any help is grateful…

Posted in Sun Trust Mortgage

cliffwood beach New Jersey Bank of America Complaint
July 28th, 2012

4 1/2 years tryuing to modified. disabled vet/tried to be proactive when they were to put him on ss , wld take 2 years for money. boa said had to be hehind. lost paper work, numerouse times. said nvr hapopen not boa customer, country wide, then got auditor, but used good brooker, no big mistakes on mrtge. , cant get modified cuz not fannie mae. , wrote the bank comminssion, they filed w/bioa , boa sent to ceo office /. just turned =donw cus up to date , but had to be or wld foreclose, i need to be on disability but cannot afford it. the ceo said we cld make mrtge payments, so too bad. but i cannot afford health insurance, i need at least 2-3 opeartions, i need money for gas in tank to get to work, clothes, food. using food bank. i dont know who is worse the v a , or b o a.

Posted in Bank of America

Clifton New Jersey Bank of America Complaint
April 10th, 2012

Bank of America assumed a loan originated by Countrywide.

Posted in Bank of America

Clifton New Jersey PNC Complaint
December 23rd, 2012

there was loan fraud at the top level, this is a second fixed rate mortgage

Posted in PNC

Clifton Park New York Ocwen Federal Bank Complaint
March 7th, 2011

applied for homeowner affordable and was denied cause they didnt have all my paperwork, but i have faxed over 60 pages of requested documents, yet they claim they got all of them except bank statement and i have faxed those to them on 3 ocassions, funny they got all the paperwork except the last required ones on three ocassions.

Posted in Ocwen Federal Bank

Clinton North Carolina Bank of America Complaint
June 17th, 2011

My loan was suppose to be payed out 11/19/2008. I made all of the payments on time and they said I owed them about $30,000 more. I borrowed the money from another lender but have been struggling ever since.

Posted in Bank of America

Clio Michigan Chase Home Finance Complaint
March 29th, 2011

We were working with Chase to try to modify our payment in 2009. They said that since we were current at the time there would be a better chance of modifying. I filled out paperwork numerous times over the last 2 years. Last April, they set up a temporary payment and said that I should make that payment until the modification was approved. We never received anything about foreclosure but I was denied the modification and then on that same day someone came to the door to discuss short sale. Foreclosure sale date is set for April 6th, just less than two weeks from when they denied the modification. I haven\'t received written denial. We would appreciate help with this as soon as possible.

Posted in Chase Home Finance

Clio South Carolina Chase Manhattan Mortgage Complaint
May 28th, 2011

I was to come out of my bankruptcy November of this year when i was told that I was 6 mos behind, and they refused my payment. I gave proof and tat was not good enough I did everything that asked still no good.I phoned my so called attorney and was not given help. My question was, \"how can I be behind when I am faxing you my reciepts? Because I could find them all except 2 which I stated I would put tracers on, my attorney refused to help me. So I asked who are you really working for because it is obviously not me. I am a single parent of 4 with 1 grandcild all of the home, where will we go? Somebody help me please because I am all out of what to do next. I don\'t want to sale, please, please help me if you can. Thank you for your time and may GOD bless you.

Posted in Chase Manhattan Mortgage

Clovis California Bank of America Complaint
July 20th, 2011

loan servicer was countrywide and then b of a. denied modification and now in short sale process.

Posted in Bank of America

Clute Texas Litton Loan Servicing Complaint
September 7th, 2011

We have tried to wrap up our loan modification since 2007. We paid thousands of dollars on two different times and sent in modification papers at least 6 or seven times. They never recieved them we were told and told that we did not fill it out correctly. We could never speak to any one person and had to go over the same questions whenever we could speak to someone 30 to 40 min repeating the same answers that we had written ,and had to repeat the same thing over and over everytime we spoke counselors to no avail. When we got our statements it always told us that they could not give us a balance at this time. How about that? They even said that we had not made a payment since 2008! Who would allow someone to live in a house for 3 yrs and not get evicted? Please! We did everything possible to work with them to save the home we built. Our 1st note was $457 a month. We got refinancing with a fixed rate and I guess Litton bought it form them because after a year or so we recieved a letter from Litton stating that they were our mortgager and to make paments to them.Nothingele just a plain letter giving us info. on where to and how make paments. A few monts later our notes started to skyrocket. from $400, 600, 700, on up tp $1800. ARMS! How did that happen? We had a fixed rate and requested refinancing to get the fixed rate back. They told us that they had a remodification plan and for us to request one. Still hasn\'t recieved that it was finalized and got a notice that they were forclosing. We told them that it was theirs because we could no longer afford to deal with them and was tired of not being able to do anything else beside pay the mortage. Credit is bad, health not much better because of the stress. We moved told them the house is theirs 6 months ago. Last week we recieved a letter from them stating that Ocwen was our new mortager. We have had enough with these people and at a lost to what to do. Sue? Can\'t afford it now need to eat!

Posted in Litton Loan Servicing

Clymer Pennsylvania Wells Fargo Complaint
July 12th, 2012

I believe there has been late charges added to my mortgage payments are sent electronic through my bank acct

Posted in Wells Fargo

Coal Township Pennsylvania BB&T Mortgage Complaint
June 10th, 2011

I lost my job & we were unable to make payments. I talked to BBT about it. We were given one modification, but when I applied for a second one, we were denied because they said it was too soon for another one.

Posted in BB&T Mortgage

Cocoa Florida 21st Mortgage Corporation Complaint
May 18th, 2012

Preditory lender, they will not work with us. I see as of 05/07/2012 they signed something with MERS. In which I have no idea what that is.

Posted in 21st Mortgage Corporation

Colfax California Countrywide Complaint
September 6th, 2012

I have secured a loan mod thru NACA at 2% fixed. Prior to working with NACA I spent 2 1/2 years being lied to by B oa A. This was originally a Countrywide loan. I now have a $425K home with a $700k+ loan. I need to work with someone taht can tell me if I got taken and if I can reduce my principle.

Posted in Countrywide

Collegeville Pennsylvania Bank of America Complaint
June 2nd, 2011

tried for a loan mod for 2 yrs with no luck . boa is the worst

Posted in Bank of America

collingdale Pennsylvania Countrywide Complaint
March 11th, 2011

i was with country i fill abuse by this them still my tax money them make me pay two time .now them be come country bank of America i need some body to review my loan I believe IT have mistake.

Posted in Countrywide

colo sprgs Colorado Bank of America Complaint
May 12th, 2012

This has been going on for 3 yrs or little more. I have tried to call a bunch and when someone actually answers get nothin but the run-a-round and lies. B of A has many different divisions within its self and none of them communicate to each other. I tried 1st to tell them would be having trouble 1-2 months, had been laid off. No matter to them. Got behind all heard was ph ringing with debt collectors on other end wanting full amount past due an more. Meanwhile trying to sell house,rent,etc. Turned down for shortsale, they said home worth 45,000 more than paid 3 yrs prior ( not in forays market) turned down on deed in lue, said home was worth 50,000+ less than owed on it. Trying shortsale again an they r trying to forclose an auction it from under me in the middle of process. For one reason or another could never qualify for any modifications... I have all but givin up. I just want out now.

Posted in Bank of America

Colorado Springs Colorado Aurora Loan Services Complaint
July 7th, 2011

current forclosure sale pending

Posted in Aurora Loan Services

Colorado Springs Colorado Bank of America Complaint
October 20th, 2012

Bank of America was awsome to work with but Fannie Mae they refuse to work me at all eventhough I have a lease

Posted in Bank of America

Colorado Springs Colorado Chase Complaint
May 11th, 2012

filed a Ch11 in pro se Plan was confirmed on 4-18-11 Chase is rej post Conf pmts, sent the debt that was dealt for in my plan to a collection agency I am deciding on whether to do an adversary proceeding or Law and motion. I think Chase is taking advantage of me because I am not an atty

Posted in Chase

Columbia California Bank of America Complaint
September 10th, 2011

Bank of America whole mod process is smoke and mirrors. Been after a mod since 2008 to many denials and reasons to list even through I have meet all requirments. they always seem to have one more rabbit in there hat to say no. Filed complaint with office of comptroller based on April 13th order BofA signed off on. They know the game and do just enough not to get spanked by feds but absolulety nothing but lip service for owners, going to ask feds how it feels to spit on everyday. Finally former labor secratary Robert Riech has it right to put some fear into the little piggies, change the bankruptcy law to iclude my primary residence in discharge.The little piggies would crap themselves to get these mods done.

Posted in Bank of America

columbia Missourri Chase Manhattan Mortgage Complaint
June 10th, 2011

we refinanced with washington mutual who sold are loan to chase next thing we know they started saying they could not find payments then we switched homeowners ins co they sent them a copy of the policy but chase said they had on policy so they put our loan in eskrow which started accumilating fees we contacted them to take the fees off they refused we then contacted the attorney general they said they took them off next month we get a letter talking about pre forclosure for the fees so we call talk to them nothing changed out of no where we get a call from a mysterious modification company that offers to give us a modification through chase they would tell us not to send no more payments and that they was working with chase to stop the sale of our home a year goes by the company vanishes and we get a call from a law firm who tells us not to worry then out of no where chase calls offers three payment trial payment that exceeded the mortgage amount i made the payment they said after the three they would do the modification three weeks go by the law firm calls and say i heard you made an agreement with chase i denied it he says dont pay nothing else and i end up looking this firm up on line and it happen to be the same people from the modification company fraudilent company iget a call from chase the person states that chase was not gonna help me any more i sought out for help and to this day chase took our home

Posted in Chase Manhattan Mortgage

Columbia South Carolina Bank of America Complaint
September 19th, 2012

Sent lender 10,000.00 in an attempt to lower the back payments, they returned it. Was in a trial modification for four months before receiving modification. Modification is 600.00 more than the payments I fell behind on, explained fell behind due to loss of income. Am retired vet with MS BofA doesen\'t care.

Posted in Bank of America

columbia Tennessee taylor bean whitteker Complaint
August 2nd, 2012

cenlar has taken over our loan.

Posted in taylor bean whitteker

Columbus Georgia Beneficial Complaint
September 17th, 2012

This is a Second Mortgage on which I\'ve requested a Mod. As a DV, my pay went down and HSBC has done the HSBC yo-yo. ie; Cut payment in half for 5 months, then back to the original terms; call and yo-yo again.

Posted in Beneficial

columbus Georgia GMAC Mortgage Complaint
December 31st, 2011

i was informed by my lender on or about three different times about loan modification which never happened and so i inlisted the services of jemesom group out of florida and i guess that camto a stan still when i filed for chp.13 but i didnot include gmac.they said that my escrow acct.was short of570.00 which i mailed to them but did inclued my case number on the check.i also informed them that i was no longer employed.but i do have income in order to keep my house if they would work with me as they said they would to lower my pymnts.and get me out of this arm to a fivedmortgage that would be a big help.Thanks

Posted in GMAC Mortgage

COLUMBUS Georgia Mortgage America Complaint
May 20th, 2012

Attempted foreclosure after chapter 7 (2010) resulting in robosigned loan mod which destroyed our equity and now we have MERS as assignee for Mortgage America on security deed and are planning to relocate but are upside down due to mod and cant deed to note holder because that isn\'t clear. Want to avoid foreclosure as that will show on public records and prevent us from buying again. If we knew in 2010 that MERS was not a \"real\" owner we would have surrendered the home or fought the foreclosure based on that fact since the corp was dissolved in 2006 in this state.

Posted in Mortgage America

commerce California EMC Complaint
June 17th, 2012

emc,lost paperwork.manytimes.took months to get inorder.keep losing paperwork.Finally got a good faith payment and I have paid it since.Now they wont take payment.Hired someone to assist..took money from me and didnt do anything.I get calls and I cant speak to them because they be little me or are very rude. I have tried over 1yr now to deal with this and i am lost. EMC has since turned over my mortgage to chase.. same issue. I dont know what to do. Ikeep paying my payment everymonth by check from automatic payment for proof of payment history. need help..sinlge parent. house in family for over 45 yrs.

Posted in EMC

Commerce City Colorado Household Finance Complaint
April 4th, 2011

Fraudelent. Appraisal, told me to miss two payment on my loan modifactiion,lost my previus Promissary Note, can not answer were the new one is, predartory lending

Posted in Household Finance

Compton California Bank of America Complaint
August 27th, 2012

Bank of America said that they tried to qualify me for every program that they had available, and I qualified for nothing. How is that possible!!!

Posted in Bank of America

Compton California US Bank Complaint
March 5th, 2011

I am the victim of a predatory loan based on fraud by my original lender Downey Savings, now U.S. Bank. More importantly, I am involved in a pending wrongful foreclosure action by my lender. In summary, my original lender Downey Savings was taken over by U.S. Bank in late December 2008. I believe the service of my loan by U.S. Bank may have begun July 2009. For six months, January through June 2009, U.S. Bank did not send me any mortgage statements. While I received no mortgage statements, I did receive a letter giving me two weeks notice that my mortgage payment was doubling. Through limited investigation I have discovered the following, which I have documentary evidence to support. On September 1, 2009, my mortgage payment was made in cash at a local U.S. Bank branch. While U.S. Bank accepted my mortgage payment; they intentionally failed to credit my loan. In several letters to U.S. Bank I brought this error to their attention. I was advised by Sharon Madsen of U.S. Bank that the reason foreclosure proceedings began was because my April 2009, Mortgage payment was not paid until September 1, 2009. I provided a copy of my July 2009 Bank Statement, which provided proof that there accounting was incorrect, my April payment was not made in September, the payment was made in July. Mrs. Madsen also argues the Bank gave me credited for my September 2009 mortgage payment, but U.S. Bank’s own automated systems makes it clear the payment was not credited. Here is a word-for-word account: U.S. Bank Automated Telephone Service: According to U.S. Bank’s automated telephone service: “ … the last payment was made on September 3, 2009, for $1440; zero dollars and zero cents was applied to principal; zero dollars and zero cents was applied to interest; and zero dollars and zero cents was applied to escrow; $1440 dollars and zero cents was put into unapplied. …” This is clear proof that U.S. Bank did not apply that payment to my account; rather they put the payment in an unapplied account, so they could begin foreclosure proceedings. I have sent several letters to top official of U.S. Bank; namely, Richard K. Davis Chairman, President and Chief Executive Officer, Glenda Schwarz, Chief Ethics Officer, Code of Ethics and Business Conduct Sharon B. Madsen, Vice President/Compliance Manager Residential Portfolio Management trying to have this problem corrected. Based on my contact with Mrs. Madsen, she has made it clear through her letters that U.S. Bank will not stop its foreclosure proceeding. To stop a foreclosure sale, I was forced to file a chapter 13 petition. Below are excerpts from my most recent letter to the attorneys for U.S. Bank: “U.S. Bank should have accepted my October 2009, mortgage payments. As your office has indicated several times, U.S. Bank’s position is that “I paid the wrong amount in October 2009, and that’s why my mortgage payment was placed in an unapplied account and foreclosure proceedings began. I will prove to you U.S. Bank made a mistake when it rejected my payments and started foreclosure proceedings. I would like to share excerpts from a letter I sent to Sharon B. Madsen of U.S. Bank and the Office of the Comptroller of the Currency. In my letter, I write: “You state in your letter you have provided me with “required statements and timely notices, as applicable, with regard to the servicing of your payment option adjustable-rate loan (Option ARM).” I disagree. The week of July 13, 2009, I received a noticed dated June 30, 2009, advising me that on August 1, 2009, that my mortgage payment was going up. A copy of the notice and metered postage date confirming this fact is attached as Exhibit 1 and made a part hereof. Contrary to U.S. Bank’s position, my evidence supports my position that I did not receive adequate notice of an interest rate reset for the August 1, 2009, payment. My evidence contradicts the issue of timely notice as to an interest rate reset and subsequent increase in mortgage payment. Moreover, Federal law, state law, and my mortgage note provide more than a two-week notice before the reset of an interest rate.” According to the Office of the Comptroller of the Currency U.S. Bank did not provide adequate notice; as such my mortgage payment for August 2009, should have remained the same. U.S. Bank should have accepted my two mortgage payments of $1440.00 made in October 2009. My mortgage payment should have adjusted for the month of October 2009, not August 2009. U.S. Bank should not have rejected my payments, nor should they have started foreclosure proceedings. As of June 2009, U.S. Bank overcharged me some $3,163.69, and they also had in its possession two-mortgage payments of $1440.00 U.S. Bank had in its possession over $6000.00, more than enough to cure the alleged default.” Below are my most immediate concerns: 1. Starting a wrongful foreclosure proceeding; 2. Pending trustee sale; 3. Not given proper credit for April 2009 payment; 4. Not given proper credit for September 1, 2009 payment; 5. Refusing to accept my September 24, 2009 payment; 6. Fraud in loan process; 7. Option ARM, negative amortized loan; 8. Two week notice in raising my mortgage payment from $1440.00 to $2315.31; 9. Discrepancy in interest rate, per rate change notice, my rate should be 4.930%; I was charged 6.005% according to my July 2009 statement; 10. I have been in the dark with my loan since U.S. bank took over in May/June 2009. They have refused to send my mortgage statements for the months of January, February, March, April, May, and June 2009. 11. Forensic loan audit make sure my loan is correct to the penny.

Posted in US Bank

Concord California Bank of America Complaint
August 19th, 2011

First I didn\'t intend to keep this loan very long. When I tried to refinance ( 5 different lenders) each time I would just about finished, the apraiser would call me at the last minute and say, the loan didn\'t fund. Now this go maddening as I never had any problems refinancing. I finally got an answer to what\'s up? Another lender, said you have a bad loan loan you\'ll never get rid of it. WHAT??? I\'m stuck with this?? That\'s wrong!!! So my interest kept going up, and and my equity going down. I had rolled over $500k to buy this house it coast $769K refinanced $860k they lay claim that I owe $1,115,073.83. I tried to get some help from Countrywide, because of medical, college, expenses, it was getting rough. I called Hope, they said do this.... and i did more the 6 weeks later, Countrywide said no, we can\'t help you. So 6 months in th rears about 35k at the time. I get Trustee sale, 10/08 so I file for bankruptcy ch13 BUT I could only get a stay. My mortage wasn\'t included in this, and I needed to get aloan modification. this was hell. Many months everyday same thing, couldn\'t get a hold of anyone at B of A. So They file for release of stay. They get it, why? Because I didn\'t get my loan MODIFIED!! ??? What? How the hell is that fair? So that was 1/2010 and I discharged from ch 13 early this year.There was no address found for creditor Countrywide. Now these documents that are very odd,SUBSITUTION OF TRUSTEE, no dates , no signatures,no seal no wittness. ( this arrived in regular mail) next document AFFIDAVIT OF MAILING FOR SUBSITUTION OF TRUSTEE BY CODE, signature in question. another documnet SUSTITUTION OF TRUSTEE AND ASSIGNMENT OFF DEED OF TRUST WITH PASS THROUGH CERT LOTS OF STAMPED SIGNATURES, AND SUSPECT SIGNATURES stamped seal not embossed. I received the not on my door of the trustee sale 8/4/11 no signatures in fact the docs were the old ones used in 10/08. Just before I received a notice from B of A letting me know that my the monthly payment of my mortgage will be going up to $4,101. on 8/1/11, and they suggested that I pay $5,101. as to make sure I\'m paying pricipal and interst for my subprime. and than you for being a customer. My original copy of the note is MERS. I really feel that I have a case and need to stop my trustee sale and sue the pants off of them.

Posted in Bank of America

congers Georgia Bank of America Complaint
May 30th, 2012

my husband went on disablity in 2009 we could not afford our payments but we were never late our credit was very good we applied for the modification of our loan which was with bankofamerica we qualified in 2010 we started our lower payments in oct of 2010 but as of today this has not been finalised and nothing has been taken off the principal and we are very frustrated because we feel like we are renting ou house and our credit has ruined because they put it as being in default even though we havent missed a payment and the person they have us talking to does not know any more about our loan than we do we can not talk to any one about our concerns

Posted in Bank of America

Conroe Texas Bank of America Complaint
April 21st, 2011

I was a 58 year old widow and laid off March 2010 from my Accounting position of 10 years. In May I applied for the Home Affordable Modification Program and waited months for a decision to be made by Bank of America. Numerous call were made only to be told that the process took a lot of time. During this time I was struggling to make the payments on unemployment. In December I was told that the Application information was too old and I needed to reapply, this took a great deal of time and I informed them none of the information had changed. The last week of February I was informed I did not have enough income to qualify for the Home Affordable Modification Program. In February I was contacted by Bank of America and told I might qualify for modification offered by Fannie Mae so I complied with the requested information by the date requested.In March I was notified that because I had not given the information requested I did not qualify for this modification, I was never contacted any time from the time I submitted the application until I received the denial. I went into a Bank of America on April 11th to make 4 mortgage payments and they would not take my payment because they stated I was in Foreclosure. I told them I had received no notification of that and requested immediate documentation on that. I waited until that Friday and returned to the Bank and the Bank was faxed a document that stated I had to make 6 payments by May 2 to prevent Foreclosure. I informed them it was the middle of April and the May payment wasn\'t due at this time and they said that was the only amount that would be accepted. So at this time I am trying to produce 6 Mortgage payments and they late fees. ($5,111.28) As of this date I have not received official Foreclosure documentation.

Posted in Bank of America

Conroe Texas Ocwen Federal Bank Complaint
June 23rd, 2012

We put 25000 down on a mortgage...we ran into trouble with finances and tried to get them to re-finance or modify...which they kept telling us we were eligible for,,,but we never could get a straight anser....EVERY time they made a deal wioth us...we couldnt get them to follow thru...and next time we could finally get someone on the phone...it the story would completely change!! Over and over again...we nwere lstly promosed a modification...then we rec\'d a foreclosure notice...we had paid for 6 years on this home...we could never get an English speaking person...very difficult to understand....and very difficult to work with...and NEVER spoke to same person! Feel we should compensation for their shady,unprofessional,unethical behavior!

Posted in Ocwen Federal Bank

Contra Costa County California Indymac Bank Complaint
May 17th, 2011

Indymac (allegedly) foreclosed while alleging that they were in loan modification. I later found out all of this was after Indymac was dissolved without transferring thri rights to foreclose. This mad it very suspicious when Deutche Bak sued for unlawful detainer three months later, all without notice.

Posted in Indymac Bank

Converse Texas Countrywide Complaint
December 22nd, 2011

Was about to go to foreclosure but they took forever to complete the documents for assistance and I did not trust them so borrowed the money I was behind to catch up on loan but still owe charges.

Posted in Countrywide

Conyers Georgia Midland Mortgage Complaint
February 24th, 2011

I have had this loan since october of 2000. I started out with a loan of 117,000 and I have never refinanced. They say I owe 110,000 today and I have been paying on this loan for over 10 years. I have since rented this home out as I got married and moved with my Husband. I feel behind because my tenants stopped paying and I was told I could do a short sale. We have a cash buyer ready to purchase. However at the last minute they said I needed to move back in the property in order to be considered for the short sale.. I moved back in (furniture and all) sent them copies of all utility bills as well. (this was another large expense that I could not afford to pay! Meanwhile they were still pursuing foreclosure.. Just 4 days ago they told me they were not going to do the short sale and gave no reason for not going forward with the short sale. NOw the home is still going to foreclosure next month

Posted in Midland Mortgage

Coppell Texas Bank of America Complaint
July 25th, 2011

I have been working with Bank of America for the MHA program for about a year and a half. I have had to submit documents on numerous occasions, reasons unknown. I was originally declined since I did not submit all documents requested. When I asked for a list, they were all items that were never requested and did not apply to me at all. Once specific document that they denied me for was that I did not submit a copy of my death certificate. I am the sole person on the loan , and since I am not deceased, this is impossible. Next they denied me for not responding to the underwriter. I called (Elizabeth) on several occasions and she never returned my calls. Again, they put me back in for review and they needed me to update all paperwork and I did this on 7/6/11 and verified all information was received. I call everyday and am told different things every day. My house was damaged by a hailstorm and I was told just to bring in the insurance check for them to endorse so I could pay the contractors. I brought the check in and they are refusing to endorse it. They stated that I would have to mail them the check and they are asking for items from the contractor that they do not have. So, I am stuck with a check for $10,700, that I cannot do anything with and I cannot get the repairs done, and with the roof damage, there is a chance of further damage if it rains. I have tried to work with Bank of America, but with all of the articles about Bank of America, it seems that they are doing the exact same thing to countless others and have many lawsuits for the same. I have been in my home since 1997, and I do not want to loose my home.

Posted in Bank of America

Copperopolis California Countrywide Complaint
September 6th, 2011

We are going to default this month or next. We were advised to miss a month and then apply for a MHA modification but I have no faith they will help us.

Posted in Countrywide

CORDOVA Tennessee Bank of America Complaint
April 2nd, 2012

My original loan was settled on 4/29/2005 with AIG and sold immediately to Wilshire. I did a loan mod a couple of years ago and they forgave the second mortgage - $55,000.00. The loan was taken over by BOA. I have taken Wilshire to court once in state court and once in Federal Court. I voluntarily dismissed both suits. That was over a year ago.

Posted in Bank of America

corning California Chase Home Finance Complaint
March 3rd, 2011

we just modified our loan with Chase about 5 months ago.n ow they are saying we didn\'t pay a month but they can\'t tell me which month.

Posted in Chase Home Finance

Corona California Bank of America Complaint
May 20th, 2011

After 13 months of waiting and negotiaions for a modification, BofA offered a payment that was nearly double my current payment at an interest rate that is higher than the current rates being offered. Several of my neighbors have received princ. reductions of over $130K and lowered rates, I\'ve been offered the reverse. Since my neighbors are Asian or Hispanic I believe I am being discriminated against since I am a white male, my circumstances are otherwise the same regarding valuation to mortgage balances.

Posted in Bank of America

Corona California Citimortgage Complaint
June 17th, 2012

My lender nothing less than a criminal, thief, crook and a liar, because I have lost more than 70% of the home value

Posted in Citimortgage

Corona California Countrywide Complaint
November 9th, 2011

Home is in Foreclosure process, next sale date is 11/16/2011. Lender (Cwide/Now BofA) put me on a paperwork chase, giving me new instructions at 11th hour, for a loan mod. I can afford this house now - at current market values, and BANKS & GOV\'T have caused the loss in value putting me 50% underwater. I purchased in 2006. They are \"acting\" like they are helping with all the \"programs\" with special criteria - but it\'s really only to get the help to the least number of \"good actors\" - e.g. homeowners who they know will \"suck up\" as they possible can. It\'s all a sham. GOV\'T is in bed with BANKS / CORPS. The PEOPLE NEED to put an end to this mess. I have joined a Mass Joinder & another Lawsuit (personal/civil) to forestall Forclosure date. Would like to take any other action / option viable.

Posted in Countrywide

Corpus Christi Texas Chase Complaint
July 27th, 2011

My wife and I have submitted numerous loan Mod. since 2009 mysteriously coming up with missing forms or pages to close case. Calling customer service and getting a huge run around forward to other dept. until phone line goes dead. Repeatly doing the same thing even when we qualify for programs. We want someone to stop this criminal action against hoemowners!

Posted in Chase

Corpus Christi Texas Countrywide Complaint
December 27th, 2011

I was promised a rate drop after 2 years and that did not happen. My rate was outrageous.

Posted in Countrywide

Corpus Christi Texas HSBC Mortgage Corp. Complaint
September 8th, 2011

I have made double and triple payments over the years. My balance is not going down. I had no idea I had a interest first loan. This is a crime.

Posted in HSBC Mortgage Corp.

Countryside Illinois others Complaint
June 10th, 2011

Had origionally a short sale expert Have offer on property Lrnder no responce Had cout dale last mon for motion to lif stay Lender not there No representation by me 4 days later papers in mail montion of stay granted

Posted in others

Covina California Chase Complaint
June 18th, 2011

my lender told me I would be locked in for 1 year when i signed documents i month later my payments went up every month. I called rep to discuss this several times with no success no-one returned my call or could answer my questions before I knew it my balance was in a negative over 10.000 in the first year I was furious because that is not what they told me was going to happen they tricked me with all the paperwork they gave me and the information they gave me for the monthly payments was incorrect.

Posted in Chase

Covington Georgia Wells Fargo Complaint
February 12th, 2012

I am in foreclosure now. Sale date is 4/3/2012

Posted in Wells Fargo

Covington Select Ocwen Federal Bank Complaint
April 16th, 2011

i bought my home in Oct 2005 two months later they sold my loan to ocwen it was an 80/20 loan.it was also an an interest only loan.it started going up and i fell behind.They suggested a modification.That is when my nightmare started .I gave them 1600.oo.they said they would forgive the past-due balance .It would be like a fresh start they said.i signed alot of papers and faxed them to them thinking i would get a copy of the final papers to this day i have not seen any papers.I have asked they just will not send them.They also added the amount i was behind.i did get a fixed rate of 6%.The other loan went from 17.000.00to 5.000.00.they sent me a tax paper and i had to pay taxes on the 12.000.00they forgave.They didn\'t tell me about that.This was about 4 years ago .About 2 years ago i had surgery and was out of work for six weeks without any income.I fell3 months behind.which was about 1900.00.the late payment on my account was 23.85 a month.Somehow this turned into almost 3600.00.i asked them when i gave them the money did this completely catch me up.they said yes.Two months later they said i owed them another 1200.00in fees.I had no choice but to pay it.This company is so crooked.they have so many complaints and class.action lawsuits.they just keep hurting good hardworking people.please help us.They need to be stopped once and for all.Thank you so much for listening.I hope you can help.

Posted in Ocwen Federal Bank

Covington Virginia Saxon Complaint
May 29th, 2011

we have nothing to show that we even owned that house they sent us nothing they called on sept 12 2010 NS TOLD US OUR HOUSE WAS UP FOR AUCTION ON THE 27TH AND NEVER HEARD ANY MORE FROM THEM WE WERE DECLINED FOR THE GOVT MOD LOAN THE Y SAID WE MADE TO MUCH MONEY WE MADE 49,000 IN 2009 AND THAT THEY WOULD ACCEPT NO MORE PAYMENTS UNLESS WE PAID 11,000 DOLLARS AND WOULD NOT ACCEPT ANY MORE MONEY WE HAVE NO DOCUMENTS NO WARRANT NOTHING.

Posted in Saxon

Covington Washington Chase Home Finance Complaint
May 8th, 2011

I have been fighting to keep my home for over 2 years now. My mortgage lender, Chase, allowed me to apply for a home loan modification back in spring of 2009. By October of 2009 I got my final approval letter saying \"Congratulations! You have qualified for your loan modification under Obama\'s Making Home Affordable program\" (etc., etc.) I have this paperwork, and it is most definitely approval paperwork for my loan modification, showing my new, lowered monthly mortgage payments that were to occur over the next 30 years. I was so excited! My kids were so excited! And then over the next few months, problem after problem occurred. Paperwork got lost on their end, customer service reps would promise me things would get resolved, then wouldn\'t even bother to notate my account saying we had talked. I would spend hours and hours on the phone being transferred dozens of times, and nobody could seem to figure out how to make my loan modification actually \"stick\" on their end and in their computers. My mortgage still shows that I am extremely behind. Combine that with 2 years of unjust late fees, and I am somewhere around $40,000 behind according to their records. Then in the fall of 2010, they did the dirtiest thing of all: They transferred my loan to another lender without fixing my loan first....Sallie Mae is now my \"lender\" and IBM LBPS is the company who \"services\" this mortgage loan on behalf of Sallie Mae. Well as you can imagine, my account is a huge tangled mess and all they can tell is I am very past due, and I owe lots and lots of money. Well, I faxed them my APPROVAL paperwork, showing that I was approved for this loan modification and that everything should be wiped clean, and I should be able to just make my monthly mortgage payments in peace. It took them several months to \"review\" this, and I have been informed that they are not honoring my loan modification. How is this possible?!! I HAVE paperwork showing I was granted this new loan?! I have three young children, and they love this home. It\'s nothing fancy, in fact, it\'s a major fixer upper, but it\'s supposed to be OURS. I feel like our home is being stolen from us. Is there anything you can do to help? I am just exhausted here. I work full-time graveyard shift, and am going to nursing school. I don\'t know if I have much more fight left in me in regards to this matter, but I felt compelled to message you for my kids sake. Is there anything you can do to help? I have called a couple of lawyers and left messages, and never get a call back. I am certain I will be getting a foreclosure notice any day now. IBM LBPS informs me I am not elligible to try to re-apply for the Making Home Affordable program because I was already granted a loan mod once through them, (Making Home Affordable Federal Govt. program) and they (the federal government) do not care if the mod was messed up on Chase\'s end or not, I am no longer elligible. How messed up is this? Thank you in advance for anything you might be able to do to help.

Posted in Chase Home Finance

Cranston Rhode Island Citi Financial Mortgage Complaint
April 17th, 2011

Applied for loan modification through HUD counselor, was told to not pay mortgage until they approved. Still have not gotten an answer over a year, and they tried to auction house off. Had loan since 1988; almost done paying it off. Had to filed chapter 13 bankruptcy to stop foreclosure. They would not even tell me the amount to bring loan current. Stated they would mail a letter.

Posted in Citi Financial Mortgage

crescent city California coast centeral credit union Complaint
January 30th, 2012

please read my letter in the browse areas above. its very important that a lawyer read my letter thank you bill lund ......707-464-4043 or my cell #707-457-2605

Posted in coast centeral credit union

Crested Butte Colorado GMAC Mortgage Complaint
September 7th, 2012

gmac aretypical Banksters. lie, cheat, steal

Posted in GMAC Mortgage

Crestview Florida Bank of America Complaint
December 10th, 2011

I DID A LOAN MODIFICATION ON 1 LOAN.I GOT BEHIND, SO YHEY WENT BACK TO ORIGINAL INTREST. I HAVE TRIED TO CONTACT THEM, AND THEY CAN FIGURE OUT WHO CAN HELP. I HAVE EVEN TRIED TO CONTACT THE FIRM DOING THE FORECLOSURE.THEY HAVE SENT BACK A PARTIAL PAYMENT WITHOUT BEING TOLD. THEY SENT BACK 2 PAYMENTS, AND DID NOT CONTACT ME TO LET ME KNOW BEFOREHAND. IT HAS BEEN IMPOSSIBLE TO TALK TO ANYONE. THEY SEND ME TO EVERY DEPT. AND I STILL DO NOT GET ANY HELP

Posted in Bank of America

CROSS JUNCTION Virginia Sun Trust Mortgage Complaint
June 30th, 2011

Emotional terrorism. I have the same trustee on both my first and second which were to purchase the house an 80/15. wont consider sperate but together, I get 5 phone calls a day and home inspector\'s. was sent what I consider illegal modification, pre dated adjustable rate, etc....

Posted in Sun Trust Mortgage

Crumpton Maryland Household Finance Complaint
April 14th, 2011

They are in the process of forclosing we have been working with and paying Afs and they really have done nothing. I lost my job back in Febuary and took a pay cut and with the price of everything riseing we fell behind in payments, husband has not had a raise or cola for several years now. Our tax assesment say our home has dropped in value from 187,000 to 140,000. We filed a chapter 13 bankruptcy back in 2008 due to my wife being diagnoised with MS and alot of credit card debt, we have stayed current with these pymts. Our mortgage co. said they did not receive a pymt from us in 2010 which was not true. We have not got a mortgage statement for 2 years now.

Posted in Household Finance

Culpeper Virginia Homecomings Financial Complaint
March 31st, 2011

I orig bought home in April 2006 and with so many repairs I refinanced with Homecomings for a better rate and second in December 2006 shortly after that Note was sold to GMAC then to Deutshe Bank and now ETS of Virginia I was refused a Mod-even afterBK and now realize that this is Fraud and a Scam!~~

Posted in Homecomings Financial

Culver City California Bank of America Complaint
February 15th, 2012

March 30, 2010 I got a letter noting my modification was approved. I continued making payments & was told October 2010 approval was sent in error.I argued, they wouldnt reinstate modificaton & requested I pay $13,064 to bring account current & to continued orig payments. I sent $14k Feb 2011 & have made reg payments since. They began returning mortgage payments in October. They state I am now 10 months behind & are foreclosing on property (apparently scheduled for 2/15, now postponed til 3/13). I hired an atty (in Aug) who has supposedly being trying to get a new modificaiton approved & now they are stating I will have to get someone else to rectify the dispute. They will only handle the modification (fee was $3000). The modification letter was sent March 30, 2010, I cant find the original and though all B of A reps read it to me on the phone they will not send another copy to me.

Posted in Bank of America

culver city California HSBC Mortgage Corp. Complaint
July 6th, 2011

default sale date is 7/26/2011.

Posted in HSBC Mortgage Corp.

Cumbland Rhode Island NationStar Mortgage Complaint
May 2nd, 2012

I was behind on my payments and completely caught up on 3/16/2012. I was subsequently charged a $200 legal fee after I paid all the fees that brought me current. I paid a legal fee, late fees, inspection fees and my required payments. I called my foreclosure specialist after receiving the notice and asked for details. I have not received any information. I feel this is unfair lending practices.

Posted in NationStar Mortgage

Cumming Georgia Chase Home Finance Complaint
May 26th, 2011

Original loan was with one bank, then Washington Mutual, then Chase.

Posted in Chase Home Finance

Cumming Georgia Sun Trust Mortgage Complaint
May 2nd, 2012

I tried to obtain a modification to retaian my property but SunTrust kept losing my paperwork I sent and I was required to start over with the process.I was living in Florida at the time and was having to call on my cell phone. The kept transferring my call and I would be cut of. When I called back I s=had to start all over with another agent to try to explain my circumstances, No one would call me back. I kept getting the run around until finally I was so far behind I could not catch up the payments . Sun Trust offered no help to me to save it.

Posted in Sun Trust Mortgage

Cutler Bay Florida Bank of America Complaint
May 15th, 2012

I was forced to do a short sale after 4.5 years of fighting with Countrywide and then BOA. I was sued for foreclosure by HSBC Bank of NY - no assignment to them was ever located.

Posted in Bank of America

Cutler Bay Florida Saxon Complaint
March 31st, 2012

In the process April 20,2012 court date.

Posted in Saxon

Cypress Texas IBM Lenders Business Process Services, Inc Complaint
May 7th, 2011

I applied for the HOPE program when Chase was handling my mortgage. I was informed by Chase that I qualified and was approved. I was also informed that my monthly payment would be $1078 a month and that it was a fixed loan and my interest rate would be 6.75. I was referred to IBM Lenders at this point. When IBM Lenders took over, my payment increased to 1250.00 and this company has refused to cooperate with me since, in giving me information of my account including my interest rate. I called today to give a payment on my account and I was informed that I was involved in a lawsuit against their company and I was being represented by a lawyer and when asked them for more details, they refused in every aspect to assist with any information on \"this case\" or lawsuit. I was told that they were not allowed to give me any information whatsover including my next payment date. This company has always been very uncooperative in assiting or informing anything regarding my account. I don\'t want to loose my house and I don\'t know what is going own. I and trying to get someone to assist me. Chase referred me to a collection company rather than the HOPE program like it had been agreed.

Posted in IBM Lenders Business Process Services, Inc

dacula Georgia Bank of America Complaint
September 10th, 2012

to avoid forclouser im in the short sale program

Posted in Bank of America

dahlonega Georgia Bank of America Complaint
April 28th, 2012

as of 2010 they refused all payments .we only owed fortyfour thousand we had half of our home paided or when boa stole our home they bought the property

Posted in Bank of America

Dallas Georgia Select Portfolio Servicing Complaint
June 9th, 2011

I am presently in my 11th forebearance agreement. SPS has done everything next to taking my home. They have added my spouse onto the loan without his permission. They have charged fees that they have yet to explain. SPS is impossible and I do not know who owns my mortgage.

Posted in Select Portfolio Servicing

Dallas Georgia Sun Trust Mortgage Complaint
May 22nd, 2011

I was on time on my mortgage payment for about 3 years when my husband lost is job. I then applied for a Federal loan modification with SunTrust Morgage. After being late for two months, Suntrust agreed to modify my loan on taking down my payment from $1700 to $1475 with all agreement sent to me by their modification department. I provided all required documents, and started the trial period that was supposed to be 3 months, but last for 9 months. After the 9 months, Suntrust never sold my loan to Nation Star Morgage. Never modified the loan. Now Nation Star agreed to start the process again and is increasing my original loan amount that was paid down from $202900 to 198000 back to 214000 over 40 yrs.

Posted in Sun Trust Mortgage

dallas North Carolina Bank of America Complaint
June 7th, 2011

lies and run around ,they finally after two years gave me a modification if you cll it that.

Posted in Bank of America

Dallas Texas AMC Mortgage Services Complaint
December 1st, 2011

Not yet??

Posted in AMC Mortgage Services

dallas Texas American Home Mortgage Corp. Complaint
August 2nd, 2012

when i refi with ameriquest mortgage their promise to pay first year tax and insurance their did not then add escrow to the loan the past present and furture tax and insurance i was paying no problem close the bussiness went work feel behind did the hamp because my job at that time pay once a month i fell behind the mortgage was amc put the house to auction file bankruptcy 350 for creditor and 738.52 for mortgage if i could afford to this the i would not have a problem first place walk away from bankruptcy call the mortgage company told what happen said i pre approve for hamp i said good please send me what doc i need then one i found a buss card in my front door said your house was foreclose and sold back to ameriquest mortgage i have a doc to appear in court to let them know what i want to do the date was aug 20th 2012 but my was sold

Posted in American Home Mortgage Corp.

dallas Texas Bank of America Complaint
December 24th, 2011

Wow! do I have a kickass lawsuit 1. loan mod. papers lost or stolen from BofA branch,possibly by rep who helped me fillout packet. 2.Started in Oct.2010 I called CEO Brian Moynihan at home because I was sent around in circles.I\'m disabled and my health has suffered greatly.I have ALL DOCUMENTATION on all calls and visits to the bank.It\'s much worse but my disability makes typing very painful.I can tell you more on the phone.

Posted in Bank of America

Dallas Texas Chase Home Finance Complaint
June 7th, 2011

I am represented by a lawyer in the process of trying to get a HAMP refinancing of my loan

Posted in Chase Home Finance

Dallas Texas Countrywide Complaint
June 12th, 2011

To my knowledge, I never received any paperwork regarding the foreclosure. The only thing I know was that Countrywide serviced my mortgage but someone called The Bank of New York foreclosed my home. I have never heard of HAMP, I was never given an Assignment to foreclosure. Countrywide offered small settlements to homeowners, but I did not participate because they mailed paperwork to my foreclosed home that was time sensitive and I had moved already.

Posted in Countrywide

Dallas, Texas Bank of America Complaint
June 25th, 2012

I suspect that the Promissary Note furnished me at closing is a forgery by Bank of America. I sent them a QWR in June 2011 and they did not comply.

Posted in Bank of America

Dalls Texas Chase Home Finance Complaint
June 17th, 2011

My Husband died in 2005. Chase says they will not talk to me as I am not on the loan and I am. I have sent death certificates and all paperwork to get my deceased husbands name off of the paperwork and they tell me they never received. I have witnesses to atest to this fact.

Posted in Chase Home Finance

Dalton Gardens Idaho Wells Fargo Complaint
April 6th, 2011

forced delinquent to apply for modification, complied with temp loan mod & forbearance, all payments placed in \"suspension\" account not credited, no statements, misreported as unpaid to credit agencies, denied permanent mod even tho qualified, foreclosure pursued despite compliance. etc... All meticulously documented.

Posted in Wells Fargo

daly city California Bank of America Complaint
February 25th, 2011

Bank of America added escrow to my monthly mortgage payments. I told them i do not have an impounded mortgage that i pay my property tax and insurance separately every year. And i never signed any papers to add this escrow and change my loan documents. And now they want to charge me late fees because i can\'t pay the escrow on top of the monthy mortgage. Because i have to pay $4000.oo to the state property tax.

Posted in Bank of America

Daly City California Citimortgage Complaint
November 27th, 2011

current lender citimortgage unable to modify my loan. I had to file chapter 13. I previously was with chase in which i had to pay 10k in closing cost. would like to have chase investigated.

Posted in Citimortgage

dana point California Aurora Loan Services Complaint
September 19th, 2012

Aurora told me spring 2011 that my lender deutsche bank ran out of money., and was no longer doing loan modifications. March/April 2012, told by Aurora, that lender is now participating in modifications, and that the only one I could get was the HAMP. I mailed and faxed all required paperwork 2-3 times. Told that indidn\'t qualify with my income, but I could add my husband to the loan, and we would qualify. End of June 2012, notified by Aurora, that they were selling loan to Nationnstar, and that all documents would be forwarded to Nationstar, and that they would finish process. First of July, told by Nationstar, that the did not recieve the documents, and that I needed to resend them all. I faxed and mailed all documents again 2 times. Told it was in review until September 19, 2012, was informed that I didn\'t qualify for a modification because I didn\'t qualify. No explanation. Aurora quit accepting my payments in May 2012. This is a MERS loan, and looking to file a lawsuit against all parties. I have all my loan docs from the loan.

Posted in Aurora Loan Services

danbury Connecticut Ameriquest Mortgage Complaint
January 28th, 2013

i had a 56,000 mortgage they sold my loan to champion mortgage for 86,000

Posted in Ameriquest Mortgage

Danville California Chase Home Finance Complaint
April 29th, 2011

I was laid off July 2010. I Fedexed a complete loan modification application (Hampa) & financial package to Chase Sept 13, 2010. I was given verbal approval Oct 2010 but never received formal documents. Then I was told I w/not qualify for a loan mod while unemployed but instead h/b approved for an unemployment deferral. However never received loan docs & chase collections continued to harass. Was passed around repeatedly & no one seemed to know abt the status of my request. After 15+ calls to chase, I received formal loan mod approval on my 2nd mortgage in March 2011, followed by a formal loan mod declination on my 1st mortgage in April 2011. As a seasoned commercial banker / lender, I believe that Chase has acted will \"willful negligence & misrepresentation\". Chase\'s recent declination letter states that my only options are \"a short-sell or a 1st DT Foreclosure\". I think not- I am in process of filing a formal complaint with the Comptroller of the Currency and the CA State Attorney General\'s Office.

Posted in Chase Home Finance

Danville California Saxon Complaint
August 18th, 2011

The foreclosure process was started but we saved our home at the last moment by withdrawing funds from 401k

Posted in Saxon

Davidsonville Maryland Ocwen Federal Bank Complaint
October 29th, 2011

I co-signed onto a property while still in a relationship with my ex-fiance. I moved out of the house and to another state in July of 2008, we were behind on the mortgage by 30 days. I sent my ex half of the mortgage payment every month up until January of 2009 when I was told that he had the resources to cover my half. It would be 6 months later that I was informed he in fact could not afford the mortgage and hadn\'t payed it since January of 2009. At that point, I did not have the money or resources to get us out of default. We opted to attempt a short sale, and it would be another 18 months of Ocwen either denying our application for a shortsale or claiming that they\'ve never received our paperwork. Finally notice of foreclosure was sent. My ex filed for bankruptcy and was able to stay in the house for another 4 months... we started receiving foreclosure notices again... he vacated the property. Our foreclosure was dismissed without prejudice in July 2011 and now we are being reported to credit agencies as \"paying as agreed\". The mortgage company also paid the Property Taxes. Now the city of Baltimore has condemned our \"empty\" house and boarded it up. I have no clue what to do!

Posted in Ocwen Federal Bank

Davie Florida Bank of America Complaint
September 9th, 2011

I was served but still in process, I answered the complaint and in many occasions requested Original Note with no avail

Posted in Bank of America

DAWSONVILLE Georgia Bank of America Complaint
June 23rd, 2012

I tried for 2 years to get a modification. When they modified the loan they increased my payment instead of lowering it. Forcing me to not be able to make the payment.

Posted in Bank of America

Dayton Nevada Litton Loan Servicing Complaint
September 1st, 2011

No forclosure notice from Litton Loan Service. We been working on modification for over a year and now the been sold to Ocwen Finanical.

Posted in Litton Loan Servicing

Dearborn Michigan Chase Complaint
July 4th, 2011

Basically, they were the 2nd on my home. They had a full price offer on 08/08/10. They drug their feet, delaying the process until they turned it over to LCS Financial, a collection agency. Chase still controlled everything, however, with it being with LCS, this meant they no longer had to follow HAFA guidelines. They were due to get 6% of what they were owed which would have been approximately $2500. Instead this collection agency under Chase\'s control got their $2500 plus the $3000 I was to get from HAFA for moving expenses plus another $1000 from me at closing. It didn\'t end there, though. Under HAFA, I should have been released from any deficiency. No, now that Chase had \"turned it over\" to this collection agency who didn\'t participate in HAFA, they were able to go after me for the deficiency. I finally settled it with them for an additional $10,000 which had to be approved by Chase first. Under normal collection, Chase would sell it to this LCS and they take what they can get, not needing Chase\'s approval. Basically, Chase worked the system so rather than getting $2500, they got over $16,000. I can\'t believe I am the only one they have done this to. There has to be something that can be done against these greedy people. I gave them everything they asked for in a very timely manner and they worked the system to their advantage and did not bargain in good faith.

Posted in Chase

decatur Georgia Wells Fargo Complaint
May 15th, 2011

I was fraudulently forced to sign the closing papers on my predatory loans. I have a second mortgage with GMAC at 11% that closed the same day. These loans were to collateralize a piece of investment property at 369 Milledge Avenue. That property was foreclosed upon in June 07, 2008. I am widowed, 59 yo,disabled, and have been too sick to work for 5 1/2 years. The stress is killing me. I have lost approximately $400,00 on this scam.

Posted in Wells Fargo

Deer Park New York Chase Complaint
September 30th, 2012

I have been trying to get a loan modification to Lower my interest rate down to 2%.and lower my principl cause I am having difficulty makeing monthlynpayments cause property taxes are so high and must be in the mortgage payments . I have also lost money by paying 2 separate companies fees to help with my modification in excess of 3 thousand dollars. Also no bank will let me refinance cause they say my debt ratio is to high. I am constantly being harassed with threat of foreclosure. Chase said I am ineligible for HAMP program cause I refinanced my home after Jan 1 2009 even though my original mortgage was in July of 2007.

Posted in Chase

Deerfield Beach Florida Countrywide Complaint
November 7th, 2011

I\'m about to be foreclosed on due to a 25,000 + past due balance created by forced placed insurance

Posted in Countrywide

Defuniak Springs Florida National City Complaint
January 18th, 2013

This house was orginially purchased as primary residence in 2007 with 135k mortgage and 45K HELOC, both through National City. Attempted to refinance primary mortgage in 2009, was denied by PNC HELOC (National City had been sold to PNC). Would like to refi primary mortgage, but afraid will be denied again.

Posted in National City

DEL RIO Texas Chase Home Finance Complaint
March 18th, 2011

A- MY LEGAL NAME HAS NEVER BEEN FLAHERTY. B-TEXAS LAW, I SHOULD NOT HAVE BEEN ABLE TO PURCHASE MY OWN PROPERTY FROM MYSELF FOR \"INVESTMENT PROPERTY\". C-HOW DID I CHANGE MY HOMESTEAD TO A HOME I DID NOT OWN IN ANOTHER CITY? YET IT NEVER LEFT MY APPRAISAL DIST. D-I DID NOT KNOW I AGREED TO NEVER LIVE IN MY \"INVESTMENT PROPERTY\", MY CHILD & I HAVE BEEN LIVING IT MY CHILDHOOD HOME SINCE JAN. 15, 2008. E-CHASE PULLED MY HOME FROM THE AUCTION IN MAY OF 2010 AND NEVER INFORMED ME, IT WAS SCHEDULED FOR AUCTION JUNE 1, 2010. THE STATED THEY PULLED IN MAY \"DUE TO REVIEW OF MY LOAN\", BUT NEVER NOTIFIED ME. E-THEY LOST MY LOAN MODIFICATION IN DEC 09/JAN 2010, YET TOLD ME THEY FAZED IT OUT. ? 2009, I HAD TO SELL MY PERSONAL JEWELRY TO COME UP WITH OVER $2,000 TO PULL IT OFF THE AUCTION BLOCK. I\'M BEEN LIVING THRU HELL, WITH NO HELP

Posted in Chase Home Finance

DEL VALLE Texas Bank of America Complaint
December 16th, 2011

We have not been foreclosed yet.It will happen within 60 to 90 days.We applied for a loan modification and sent in all the paperwork.But we received a foreclosure letter instead.

Posted in Bank of America

DeLeon Texas Chase Manhattan Mortgage Complaint
April 25th, 2012

MY home was foreclosed on by Chase Manhattan Mortgage (chase home finance) after making all necessary payments during my contract with them. When I realized the problem I began trying to contact Chase Manhattan but was repeatedly given erroneous and misleading information by the customer service departments. This continued right up until the day we were evicted. All of our documents concerning are mortgage have been somehow misplaced. The mortgage was for the address, 124 Bowie Street, DeLeon Texas, 76444. Chase was not the original lender. They took over the mortgage from the original lender almost immediately upon purchase.

Posted in Chase Manhattan Mortgage

Delray Beach Florida Bank of America Complaint
April 27th, 2011

Bank America took over my loan from another failed mortgage company which that failed company was owned by Merrill Lynch - I\'ve been in the process of a mortgage modification for (2) years - first my previous mortgage co. and now Bank of America. My previous lender had approved the mod and I was in the final process when all of sudden Bank of America came into the picture- they started the process all over again and now I\'m still in LIMBO month after month after month!

Posted in Bank of America

Deltona Florida Bank of America Complaint
November 19th, 2011

I am in the forclosure process, they told me the be behind 3 months before being able to help, I took a reduction in pay, had many hardships, filled out all the paper work and they denied me a modification, also said I didnt qualify for any work out plan because they only serviced the loan JP Morgan held the note, however I found at the mediation Bank fo America actually held the note on my property.

Posted in Bank of America

Denair California Countrywide Complaint
September 13th, 2011

My husband and I had the mortgage as joint married. We fell behind when I got sick. They (bank of America) told me not to make any payments until the following year. They would write a letter and we could pull the money outof our 401k. Then when that didn\'t work, I asked them about a loan modification. We \"qualified\" so again, send no money and we will have the papers to you in 2-3 weeks. Keep calling to see where the papers are. I did all that. They sent the papers and we didn\'t qualify. By that time, I was contacting them several times a day. They finally told me that I was stupid for not making my hom a priority and I was screwed because I had a FHA loan. That they were insured and didn\'t have to work with me. Next,we had a nice young man with a badge at our door telling us we had to be out by \"tomorrow\". Went to court, filed a stay of execution and moved by the end of the week!

Posted in Countrywide

Denison Texas NationStar Mortgage Complaint
July 18th, 2012

Had an ARM with Aurora Loan Servicing. They just transferred the mortgage to Nationstar. Received a letter from Aurora informing of this. I phone Nationstar and they WILL NOT SEND ME A MONTHLY statement OR allow me to us their online service. I have spoken with them several times, Chelsea Giles, Customer Relations and she was no help. She gave me her supervisor name, Mark Nieberlien and of course, gave me two incorrect numbers for him. I have NO way of seeing my statement or where the monies are being applied. I had a Nationstar Loan before and could get on their website to pay. Yes, I do have a 3+ YEAR OLD BANKRUPTCY, but that didn\'t keep them from allowing me with another mortgage from being on their website. They will not send me nothing and I do not trust them. Aurora allowed me to use their website and they sent me statements. Something must be done about Nationstar Mortgage. They must be watched.

Posted in NationStar Mortgage

Denver Colorado Aurora Loan Services Complaint
September 8th, 2011

I\'ve been fighting for a modification for about 2 years. On several occassions I was locked out of my online account so that I couldn\'t even see what I owed! Right now I\'m on another of their \"Repayment Plans\" which amounts to me making double payments for 9 months. Remember, this is an Interest Only adjustable ARM.I still have the same principal amount I had 6 years ago.They\'re only response to me has cosisted of more and more threats to foreclose.

Posted in Aurora Loan Services

denver Colorado US Bank Complaint
August 7th, 2011

when we refinanced our broaker said that taxes and insurance where included into the payment and it wasn\'t.My wife lost her job and we where modifided about three years ago but when they added those twu issues into the modification the payment accualy went up.

Posted in US Bank

Desert Hot Springs California Chase Complaint
June 8th, 2011

its in my attached files. nightmare

Posted in Chase

Detroit Michigan Bank of America Complaint
January 16th, 2012

I have tried several dozed times to have my loan modified to no avail. I am getting the run around, my payments are not being applied correctly and I\'m being charged excess fees.

Posted in Bank of America

Detroit Michigan Citimortgage Complaint
June 23rd, 2011

After qualifying for a refi to get a lower interest rate, with Citimortgage (an employee) chose not to close refi. She said she\'d close on Decmber 25. This date was about 6 to 7 months after the refi was approved. The refi was approved, several times, for a significantly lower interest rate. The foiled refi based upon practices, I feel, are unjust, I do not believe that this mortgage should be seeking to rob me of my Rights as an American Citizen. This ploy only represents a fraction of troubles I have encountered & continue 2 experience with Ctimortg. I have sent a \"snail mail\" explanation of the entire saga with Citimortgage. This company is wrong for seeking to make me homeless. I am senior citizen and due to this company\'s ill ploys I do not have a home. I am virtually, homeless! Whatever ways you may help me is GREATLY appreciated. THX dnash

Posted in Citimortgage

Diamond Bar California Sun Trust Mortgage Complaint
May 4th, 2011

You will not believe my story. First of all, I am a 25+ experienced Mortgage professional! I sold this type of loans to clients and it is a great loan product! The terms of the loan are simple to get a low rate I took 4.25% when rates were up at 6%. The rate was good for 7 yrs, after 7 years the loan rolls into the current fixed rate! The rate at the time of my roll over should have been 4.5. Suntrust offered me 5.25% and a fee of over $3000. The interesting part is IN THE CONTRACT, it clearly states a $250 fee plus a small title review fee, if any. ( yes, on the contract is actually says, \"if any\") They planned on charging me over $3000 and I was willing to pay because I knew I needed the loan to roll over. I did all my conditions and Sun Trust called me and agreed they cashed my $250 check and \"planned\" to roll over my loan. Long story short...they did not roll my loan and they would not return my phone calls. I know many client probably got charged WAY over the $250 and the \"small title fee, if any\" I imagine many people were over charged and had to accept it! My loan still has not rolled over and suntrust still has done NOTHING! Except...file a NOD! I am a homeowner advocate and can not afford an NOD on my property! The damage is costing me money!!

Posted in Sun Trust Mortgage

Dickinson Texas Bank of America Complaint
May 22nd, 2011

Original lender was Countrywide Home Loans recieved no co operation still cannot get anyone to help us keep our home even through reverse mortgage program?

Posted in Bank of America

dixon Illinois Bank of America Complaint
May 31st, 2011

In April of 2007 we received a loan from Countrywide the day before our house was going up for auction at 9.875 interest rate. In Nov of 2009 Bank of America, who is servicing the loan for Bank of New York, had my Hamp applicaion. They told me it could take up to 90 days so I called in Feb of 2010 and they told me it could take up to 180 days. I called them in May of 2010 and they told me it was in processing being considered and I should get an answer shorly. I called about every two weeks to check and each time they told me it was still being decided. I told them they had all the info and all they had to do was make a decision. They told me they would expidite it and that should speed things up. It went this way until around mid August when they told me I would have to fill out another application since so much time had passed. I told them the only reason so much time had passed was because of their stall tactics and not my fault. I also told them to go by the original application but to no avail. I went to work and that changed my income status but now I am right back where I started; unemployed and paying too much. I just received my new \"packet\" as they refer to it and don\'t want to have the same thing happen again, which I am sure will.

Posted in Bank of America

Dorchester Massachusetts Washington Mutual Complaint
December 26th, 2011

The lender was great it is the aftermath and AHMSI the claim they are a debt collection agency. I understood they are a Mortgage Servicer either way I been challenging them since day one on the fact who are they collecting my mortgage for... I was told in February 2011 that was private info. Then after seeing AG Martha Coakley serve a civil action to all the banks I learned I had U.S.Bank as Trustee on my loan through MERS which I contacted them and they said AHMSI had POA over the investment but did not specify it was my(note)/property. There fore I contacted AHMSI and was told I will be getting an anser on paper...NO EMAILS, No over the phone answer. Which I am still waiting to know which is a violation of the Fair Debt Collections Practices Act. Also if they cannot prove a debt is someone (AHMSI) wrongfully collecting real/but, also debt that was paid on already and that servicer is just going to keep??? Also can I qualify for a Quiet Title Action with an remove this debt that no company/creditor can claim ownership too???

Posted in Washington Mutual

dorchester Massachusetts Wells Fargo Complaint
September 20th, 2012

I had an awful expierience. I was young and nieve to the fraudalant ways lenders and brokers work together. I had 2 loans, one for 8% and 11% that wasnt fixed . My mortgage was $2900 monthly. I trusted the broker who referred me to the lender, got no appraisal or inspection. Moved into the house with my 3 young children, th house was nothing but a shell. no heat or hot water, furnace didnt work...when I did put oil in the oil tank 60 gallons fell on the basement floor.

Posted in Wells Fargo

Dothan Alabama Flagstar Bank Complaint
September 10th, 2014

My wife and I purchased our home here in south Alabama in Jan. 2008, while i was overseas in Iraq/Afghanistan. I severed over there until February 2011. At which time I came back to the states to find work with in a 150 mile radius of my hometown. I could not. I let Flagstar Bank know 6 months in to my unemployment that I was unable to make any mor payments after February of 2012. They told me they would set me up with their Loan Crisis dept., or something similar to help work out terms for a reduced payment, where I would pay just the interest, or do a short sale of the home. There was one other option they were offering me, but for the life of me I cannot recall what it was. My wife was working, making 55k+/year. I took out my 401K 3months after I returned home and that let me make house payments and kept us fed. I made our 2k mortgage for an additional 8 months using all of my 401k. Come May of 2012 I had not made a payment on the house and was roughly 8k into debt with them. I was still unemployed. My family members scrounged up about 4k for us, but Flagstar lets us know they would take only the entire arrears than the partial 4k. By now, I had called Flagstar in Atlanta, Ga. some 50 times and was receiving threatening calls from them daily. I had hand written hardship letters to them 4 times, I had filled out short sale paperwork and snail mailed it back to them at least twice. Each time they told me that a rule had changed and I needed to start over the process. This went on until the 2nd week of August 2012. I was informed that the house would be foreclosed on September 6th of 2012. That no matter what paperwork I filled out, there was no way to get anything approved of in that length of time. At this point they would not even let me clear our debt with a full payment, if I even had had it. September 6th at 8am all the locks were changed and we were told to vacate the premises. We had to have a Bank representative there to ensure we did not take anything in the house that was part of the house.

Posted in Flagstar Bank

douglassville Pennsylvania Countrywide Complaint
February 29th, 2012

Got a no income doc loan in 2002 from Countrywide. At some point was handed over to BOA. Now in foreclosure... sheriff\'s sale scheduled for 5/7/12. Judgement in this case is in my name (i\'m only name on mortgage as they wouldn\'t allow my husband on mortgage, assuming b/c he DID have income) AND my husbands name (he is only on deed). Is this correct? How can they NOW want to include him? Bank said no time to do a short sale when I contacted them in Nov but here we are in Feb, def would have had time. Our home was sold to us by Frank Guzik of East Haven Group, who is now wanted by FBI. He took care of our sale, mortgage, etc... ANy legitimacy at all to our mortgage, deed, etc???

Posted in Countrywide

Douglasville Georgia Bank of America Complaint
February 11th, 2012

My original loan was with Taylor Bean & Whitaker. They were accused of mortgage fraud and filed for bankruptcy. BofA states they own the loan but has failed to provide the original promissory note, just a copy of it. I want to know that the chain of title has not be broken.

Posted in Bank of America

DOWNEY California Chase Home Finance Complaint
May 3rd, 2011

We were not given the opportunity to cancel loan when we first received it from Casablanca who sold it to Chase. We believe they forged our names on documents to close the loan because the documents were wrong when the notary presented them for signature and we sent them back but they never came back with corrected documents and the loan closed with wrong information. Furthermore they didn\'t give us the paperwork that allowed us to cancel the loan in three days, when we called in regards to that they told us they would Fed Ex the documents but we never saw them until two weeks later long after the three day dead line. I am now going through a divorce and trying to modify the loan but the estranged wife has not cooperated by signing off the property to allow the kids and I to complete the process. The Bank says they won\'t and can\'t help me and my three kids even though we are still in the house and the ex-wife has abandoned the property.

Posted in Chase Home Finance

Dunedin Florida Bank of America Complaint
March 1st, 2012

I ws filed on but the court dismissed the case due to non action

Posted in Bank of America

Dunnellon Florida Bank of America Complaint
August 14th, 2012

We are trying to sell prior to foreclosing but the payoff is 20k higher than the original loan.

Posted in Bank of America

dunsmuir California Countrywide Complaint
December 5th, 2011

i owned my home when i was contaced by c-wide and after a lot of pushing and you need this loan from them calling at least 2 times a day i took the loan now heres where it get\'s funny first prob there is a lean against my home c-wide and the title co went around it some how #2 my home is missing a foundation you cant get a loan on a home with out a full foundtion but c-wide did it #3 no job no income no way to show i could pay back the loan no prob for them #4 c-wide changed my biz lic to show i was in biz for 3or 5 years not the 1 i told them they changed it with out even asking me to they did it on there own #5c-wide told me my rate would be fixed after all the paper work was done it wasent #6 the title co lied to get around the lean #7 there were termites in the pest inspection#8there is wood touching soil you cant get a loan on a home on piers and post or with wood touching any part of the dirt it must be on cement #9the apraser lied dident look in the basement and said he did and found no prob\'s we know that to be untrue because we told him and tryed to show him he said he dident need to see it#10 we hade this house on the market for 50k and could not sell it yet c-wide set there guy in and told us our home was worth 198k less then a year later how is it that with all this and every other red flag this loan should never have happened and now i\'m in trouble and there all saying sorry you dont qualife yet i have all the same stuff as when they gave me the loan ...now how come that is ..because i shouldent have been able to get a loan in the first place i was used and just dident see it for what it was a fraud and predatory lending please help i\'ll be in the street\'s by feb on a house i owned out right thank you for your time robert munoz jr

Posted in Countrywide

Eagle Idaho Bank of America Complaint
February 13th, 2012

It was a horrible experience. I talked with over 15 different people, faxed in my information 4 times only to be told in the end that I did not qualify because I did not send in my information. Everytime I was passed to a new person I had to start from the beginning with my case. They do not communicate with each other at the bank so it was impossible to get to a decision maker. It was very stressful and in the end they told us that there was other programs that we could qualify for. And then two days later they sold our house without ever exploring the options. We are a family of 5 in a 3000 ft. home and we were told we had to move in 10 days! Insane! At one point, we took $6k to the bank in person and they took it. Then 3 weeks later they sent $4k back saying that they would not except that money. they lost $2k, even though I had a receipt for the deposit, it took me 4 weeks of hounding them to return the money. I hate B of A!

Posted in Bank of America

Eagle Pass Texas Bank of America Complaint
April 8th, 2011

I had to sell my home! When Bank Of America took over Countrywide Home loans, they supposedly were going to modify my loan, which they just stalled and took my loan from 102,000 to 132,000 and at the very end this January said I did not qualify for the Making your Home Affordable or a modification!

Posted in Bank of America

East Amherst New York Countrywide Complaint
August 17th, 2011

I received NO notice. They refused to return my calls and mail. They refused to tell me how much I owed. They returned my payment attempts uncashed and without explanation. They sold my home for $30k more than I owed. I was unemployed, but was well able to make the modest mortgage. They refused to talk to me.

Posted in Countrywide

East Liverpool Ohio Chase Home Finance Complaint
June 10th, 2011

they have lied and been very deceitful in a loan modification causing us to file bankruptcy.

Posted in Chase Home Finance

east longmeadow Massachusetts Countrywide Complaint
August 7th, 2012

attempted to refinace on 30 yr. fixed rate @6.7% to a lower rate. Eventually application denied due to credit rating possible discrimination in lending practices.

Posted in Countrywide

East New Market Maryland Chase Home Finance Complaint
February 27th, 2011

I have waiting over 90 days for mod. They don\'t even send statements anymore. Sending people to take pictures of my house. This is the second time I have completed the mod paperwork about 68 pages faxed to them in all. Even more proof on how much money with lost in income last year. Sent to them our w2\'s for 2010 showing about a 30,000 lost in wages from 2009. We need help fast. Chase doesn\'t have to answer to anyone, they just take peoples homes. Tired of calling them, lies, lost of info whatever they can pull to get your house. I would like to push them to the ground like their picture taker did to me.

Posted in Chase Home Finance

East Orange New Jersey Chase Home Finance Complaint
March 16th, 2011

first i was approved for a modification received the new mtg. signed and returned it received the copy, paid my bill on time and now they say the modification was denied and i owe 6000.00 in past due amounts dosen\'t seem right to me. I have a copy of a new signed mtg. have paid the required amount and now I have a foreclosure notice.

Posted in Chase Home Finance

East Point Georgia Sun Trust Mortgage Complaint
July 3rd, 2012

false representations were given in the entirety of working with them. I am still in the home fighting a wringful foreclosure action.

Posted in Sun Trust Mortgage

east stroudsburg Pennsylvania Bank of America Complaint
June 8th, 2012

they don\'t seem to want to help me..

Posted in Bank of America

Eatonville Washington Indymac Bank Complaint
April 8th, 2011

We were invited to apply for a loan mod and got accepted after jumping thru enormous paperwork hurdles. Then were put on a trial payment and was promised that if we paid on time it would be finalized in 4 months or less. More paper work hurdles came during the trial pymt period and we achieved their requests and verified over and over to be sure. After our 4 months or so we were then denied and told it was because we did\'nt live in our home wich we do and have proven over and over again!

Posted in Indymac Bank

Eatonville Washington National City Complaint
April 8th, 2011

I was invited by my lender to apply for a loan mod but was denied as it was a 2nd home

Posted in National City

Edgewater Maryland Wells Fargo Complaint
August 16th, 2011

We had paid our mortgage on time for six years before being lured by a broker to refinance into an adjustable Mortgage in order to make Home Improvements. Though my husband’s income was greater than my own income, the loan was written in my name. My income at that time was just $17,000.00 annually. When we asked questions about this issue the broker stated that the paperwork would go quicker this way. We were told that the interest would stay the same for at least 10 years. We were not told who the lender was nor who the investor was. The Broker told us the amount that we would be borrowing. We had not designated a figure. At closing we asked questions that we were told could not be answered. At the time we did not understand fully our commitment nor their Truth in lending. They only sent us a Notary Public to our home to sign all of the documents. He was unable to answer. Though he made notes of our questions saying someone would get back to us no one ever did. Our Servicer at the time was Mortgage Lenders Network. Later it was transferred to America Servicing Co. We were never told until 3 years later that Wells Fargo was the actual lender. When the interest on the note suddenly skyrocketed after the second year our Mortgage went from $1356 to well over $2100.00. We literally went Bankrupt but kept up with the payments until the interest went back down a year later to reduce our payments to $1556. During this time we attempted to negotiate with our new Servicer twice to modify our Mortgage. We provided them with all of the documentation they asked for and more never missing a deadline for submission. Yet both times we were told that our request was denied due to documentation requested not having been submitted. After filing Bankruptcy in 2010 my wife who had worked for Anne Arundel County Health Dept for 7 years was laid off from her permanent position. This caused us to fall behind on our Mortgage payments. We began working with NACA at this time and again submitted our documentation to our Servicer through NACA. The first time the file was submitted the Servicer asked for a document that does not exist (Business Bank Account Statement) and we explained that we have no such account and having already submitted six months of statements from our personal bank account with a profit and loss statement for our small self employment Home Business that they asked for. They subsequently denied our request and closed our file for not submitting documentation. Again NACA submitted our file to the Servicer and just after it was submitted it was recommended to us that we go to the “Save The Dream Event”. So we traveled from Maryland to Philadelphia which was a large expense for us. But we were able to sit down face to face with our lender Wells Fargo for two hours. The WF representative, after going through all of the documentation in our file stated to us that everything was in order. They had no questions as to Affordability or anything else. The representative of Wells Fargo stated to us that their final decision was to implement NACA’s proposal for Mortgage Modification using the Budget recommended by NACA. This would be “Pending Investor Approval’. 2 weeks later after returning from Philadelphia, we are informed that our Servicer has closed our file once again and denies our request because we do not have enough money left over after household expenses. However the household expense figure that Wells Fargo quoted in a letter to us is in error. The figure as submitted by NACA is $1000.00 less than what was quoted in the denial letter. NACA developed a budget and a Mortgage that was well within our ability to afford. We would like to simply get this modification done and begin to pay our Mortgage payments. Like many other Americans our circumstances have changed during the life of this Mortgage and

Posted in Wells Fargo

Edgewood Maryland GMAC Mortgage Complaint
June 5th, 2012

really bad they don\'t want help and now i say produce the note and no body answer

Posted in GMAC Mortgage

Edinburgh Indiana Litton Loan Servicing Complaint
December 6th, 2012

Was forced to do a quick (short) sell.

Posted in Litton Loan Servicing

EDMONDS Washington Chase Home Finance Complaint
May 6th, 2011

My problem is that I do not understand almost everything like the questions above asked. I talked to Chloe in your company. I need to find the deed of trust I guess. I am in foreclosure (for some reason stopped) and in bankruptcy. I\'ve heard about these Mass Joinder actions. I believe that I qualify. Thanks for your help.

Posted in Chase Home Finance

el cajon California Bank of America Complaint
May 11th, 2011

our modification has been going on for about 2 1/2 years, they would ask us to submit newest bank statements, proof of residency, income and etc. WE would call and they couldn\'t help until we were behind which was just weird. Everytime we sent all the papers in it would take a long time so we would call them, and everyone we called was in india and hardly could understand them at all. Then again why would they have all our private information? So the papers were lost somehow and we would have to sen in all the papers only updated to the present date. We did this 3 times and I got all the papers in order and faxed them to them, only to be told we got them back to late and that was a lie. The last time I talked to an american she said they were trying for a new loan... so I really don\'t know anything right now and I am pissed off. I can\'t find any information about my loan at all online, whats up with that. I would like to be able to do something with this up-side down loan we call home, and another thing is why do they forclose and sell so cheap when they could offer us a good deal after all..they are the ones that approved something so stupid to begin with. They should have never approved loans such as these. I hope i get some sort of answer fromsomeone soon.

Posted in Bank of America

El Cajon California GMAC Mortgage Complaint
February 18th, 2012

I tried to save the house. The co-owner was living in the house and dying of cancer. GMAC refused the HAMP application because I was not living in the house, I live in California and the house is in Rhode Island. After falling behind in payments they offered a \"reduced\" payment but not HAMP. Craig was dying and could not work so I filed for bankruptcy. Craig died 4/11/11 and GMAC foreclosed on 07/12/11. I thought it was really unfair they would not modify the loan based on his illness. I am just thankful he passed before they took the house.

Posted in GMAC Mortgage

EL CAJON California Indymac Bank Complaint
December 8th, 2012

After I had a stroke I lost my job,and applied for a mortgage modification with indymac, I was rejected,I went to HUD, was fully Qualified for loan mod but still was rejected then found true lender was Deutsche Bank,totally uncooperative.

Posted in Indymac Bank

El Dorado Hills California Washington Mutual Complaint
May 10th, 2011

In foreclosure. Lender guided us towards not paying and would not discuss loan while we were current.

Posted in Washington Mutual

El monte California Ameriquest Mortgage Complaint
July 11th, 2011

loan bounced by 3 diff banks. ameriquest argent country wide and now bank of america. have tried to get mod for 3 yrs! Bofa has lost app 2 xs!

Posted in Ameriquest Mortgage

el paso Texas Bank of America Complaint
May 12th, 2011

I would like to participate in a Bank of America class action law suit, if any exists. I was previously w/Wilshire Credit Corp(A Merrill Lynch owned mortgage \"servicer\"), which was later \"aquired\" by Bank of America home mortgages (Another Merril owed entity). The problem: I began the Home Affordable Program with Wilshire, paid my payments which were 400 more than my normal payment, and while \"waiting for the underwriting to go through\", they transferred me over to BAC. BAC claims that they could not obtain the payment history from Wilshire (convenient). I was put into foreclosure so I went and filed bankruptcy to keep my home ( I live in TX by the way). During my waiting period for underwriting, Wilshire reps repeatedly advised me to not pay anything until they knew the payment amount because according to them, there was nothing set up yet, Yet, they were still able to place me into foreclosure after I paid my part of the \"modification\" agreement. Now that we have filed bankruptcy, I just received the claims form from the trustee, and they have filed for way over what I owe! I can\'t believe these people. They added 16000.00 to my loan plus additional 8000.00 to my arrearages. I fixed my home up to sell it back whenn I was working on the home affordable program and will be at a serious loss if this amount remains. They are asking me to prove my payments even though Merrill Lynch owns all of them. If there is anything I should know or if I can be included, I would most certainly be willing to put 110% into recovering something from these inappropriate business practices. If you look up complaints on Wilshire, you will see my story multiplied by 1000+ people going thru the same thing. They lied to all of us, telling us it would take upto 3 months and not to make payments, then they completed the aquisition, and according to my lawyer, we refinanced? I never refinanced anything, which is why I was unsure how to answer your questions. Marissa 915 231 8561

Posted in Bank of America

El Paso Texas GMAC Mortgage Complaint
July 17th, 2012

They lied to me. Without any notice, they raised my monthly payment from 828 dollars to over a thousand dollars for a monthly mortgage payment.

Posted in GMAC Mortgage

El Paso Texas Wells Fargo Complaint
March 28th, 2012

I lost my job back in 2010, because my credit is important to me i immediately called Wells Fargo to notify them of this event and to see if there was anything offered that could help me as i would no longer be able to afford a $1600 payment. They offered me a temporary modification that they assured me would not hurt my credit,and after faxing back and forthe paperwork approved me and proceeded to set up 3future dated checks for withdrawl and said i would have to call back in 3mths to reestablish modification if still did not have a job. 3mths later i called back informing them still not employed,they then offered to keep same plan and set up again 3post dated checks and again said to report to them in 3mths. 3mths later when i called back they said they should of never authorized such a modification because im in Texas and that my home was under forclosure proceedings unless i paid a little over $13,000. They never sent me any paperwork stating this or warning me and if i had not called to continue on this modification i feel that i would of been just kicked out of my home one day. I think some part of this must be illegal and that at the very least they need to correct the damage done to my credit. I have all original paperwork with agreement of payments keeping me current. What can i do?

Posted in Wells Fargo

El Segundo California Wells Fargo Complaint
May 4th, 2011

I’ve been working with Amy Courtney in your Home Preservation department and recently told me that according to my income, I can’t afford to live in my condo. I’ve asked her can I can re-submit my expense for they have changed since the last time, I’ve spoken to her. She proceeded to tell me that I couldn’t re-submit anything else to offset my affordability. She proceeds to tell me that my expenses, income, principal, interest, taxes and insurance don’t meet my gross income. So, at this point, I’ve contacted a HUD credit-counseling agency Springboard and spoke to Xochitl Andrade and we worked out a program, which makes my income affordable. So, I’ve called Amy Courtney back and she told me NO! Again and told me to find a Real Estate broker to list my property for Short Sale. At this point, I’ve decided to call everyone I know to help me with this process. So, I’ve contacted my California State Senator Curren D. Price to see if someone from his office can contact the right person who can assist me in this process. Because, I felt like I’ve been going through hell trying to accomplish a goal or some kind of relief from Wells Fargo Home Mortgage to gain the comfort of keeping my home. It’s been over 3 years in doing so, and at this point I won’t give up, because I have the favor of God upon and feel like your going to work this problem out in my favor; I’ve been so diligent in this process and I feel like someone within Wells Fargo Home Mortgage dropped the ball and its time for someone to pick it up and be accountable for the mistakes or the negligence in getting this file completed in a earlier period of time.So as I proceeded to get some answers, I didn’t get any feedback. I’ve contacted the Office of Senator Curren D. Price to have someone from his office to contact you organization to work out a plan. After Senator Curren D. Price office called Wells Fargo Home Preservation, immediately received a call from Kevin Kreiss from the Office of the President. I’ve spoken to Kevin Kreiss and told him that I wanted to re-submit my information and that I had about additional income, in which I didn’t submit during the initial intake of income and expenses. So, he told to fax over my additional income to his personal fax number, so I did immediately. My additional income is my mom Social Security payments; in which, I receives for my mother disability. Because I’m my mom conservator and her social security payments are made to me for her and our household expenses.

Posted in Wells Fargo

Elizabeth City North Carolina First Horizon Home Loans Complaint
June 29th, 2011

I have provided first horizon/METLIFE with every document they requested for making homes affordable modification program.Unfortunately I did\'t qualify but i did qualify for homesaver forbearance program.I would make reduce payment for 6 months.During that time they would find a solution to allow me to avoid FORWCLOSURE.I paided 1/2my mortgage on time for 11momths.On the 11month I got a letter that said they are unable to offer me a home modification and foreclosure on me.I need to sue them for breach of contract and I hope a classaction lawsuit can do it.

Posted in First Horizon Home Loans

Elk Grove California Bank of America Complaint
March 9th, 2011

I attempted for a very long time to get a loan modification. Our mortgage payments were $2620. They offered a modification that would lower our payment by $8.46. really, on a $2620 payment do they really think $8 per month changes anything?

Posted in Bank of America

Elk Grove California Chase Home Finance Complaint
April 25th, 2011

Cnase Bank has lied to me and strung me along for 18 months

Posted in Chase Home Finance

elk grove California Countrywide Complaint
May 1st, 2011

aaaaaaaaaaaaaaaai bought ther house from Richmond Lender in December, 2005. I wanted to buy loan from my own loan specialist but Richmond Company discouraged me to have my own loan specialist. I recieved wrong loan from countrywide bank without any knowledge about loan. I tried to refinance but countrywide bank refused to make any changes. I struggled financially to keep house and in 2006 I lost the house in short sale.

Posted in Countrywide

Ellenwood Georgia Bank of America Complaint
February 7th, 2012

Bank of am put me on a modication until all paper work was done then said I was not able to get the modication after almost a year and wanted me to pay all the back mtge they would not work with me ast all. They also took my property without giving me date to move they listed it.

Posted in Bank of America

Ellijay Georgia Wells Fargo Complaint
August 6th, 2012

My Mom Wanda K Jones , passed away tragically in Oct. 07\' . My family of 5, took possession of the home in 08 and my Father had a \"living deed\" . In May 2010 , my Father anticipating a loss in income , due to my ex-husbands industry and his retirement . Went to Wachovia , hoping there might be a way of refinancing or a short modification. Our local Bank President said; there was nothing he could do , we would have to file for a modification . This was a traditional loan taken out in 1989 and NEVER paid late. Dad applied but, also pointed out to the loan officer . That just looking at the basic criteria for approval , he would not be approved . He was told , to apply anyway due to our \"hardship\" and other factors , they probably \"push it through\" . In Oct. we found out by chance, that our paperwork had been lost and we would have to reapply with Wells Fargo , now . Information was submitted again , along with other request for information over the next 2-3 months . Numerous calls were made regarding the status of the mod . In Dec, Dad called again and was told a decision , should be made soon . On Jan 2nd , we received a notice of foreclosure . Distressed , Dad called immediately and was told to\"ignore\" foreclosure notice until decision on mod . They denied the mod on Jan 19th and sold our home on Feb. 1st , without our knowledge . Dad asked repeatedly , if a payment needed to be made and was told if he did it would stop the mod , along with other lies . I contacted WF executive Amber Hicks asking for a chance to at least short-sale the home or figure out something different . She saw , the carless activity on this mod/loan and tried to get the lender , to put-off the eviction . Fannie Mae , refused and forced us to move 3 weeks before the children got out school . This completely turned my life upside down . I had just lost my Mom to suicide . Now, I was having to sell , her things, for pennies of what they were worth. So, I could move my family . It was like , losing my Mom all over again . I need help , I feel like I failed, my Mom . I can\'t just let this go !!

Posted in Wells Fargo

Ellisville Mississippi Bank of America Complaint
July 5th, 2011

I was granted a modication loan 2010. I paid $400 for the appraisal. Closing was scheduled. I paid my note for that month on the 30th which was on a Saturday. BOF cancelled my loan due the the mortgage payment for the month was 30 days late. Because I paid on a Saturday, the payment didnot register until the next business day which was on a monday, making the payment 30 days late.

Posted in Bank of America

elsobrante California Beneficial Complaint
April 15th, 2011

we borrowed 29,000 in 1991 15 tr loan fell behind a few times a couple years but always paid +50 on all payments its now 20 years later 5 yrs past due on sopposedly pay off contract date and they say i still owe 18.800 how could i have patd over 120.000 and to date less 11.000 has been applied to my principal and how can we possibly ever get this loan paid off before were dead and were only 60 help this has to be extortion .prdatory lendind.violation of our promissory note,and we have to be victims of lending fraud isnt there a natl reglatory of lending rates that wont allow this to happen HELP look at those figures someone is ripping people like us off and getting awy wiyh it

Posted in Beneficial

Elverta California Bank of America Complaint
February 17th, 2011

we are in the foreclosure process

Posted in Bank of America

elyria Ohio Chase Home Finance Complaint
August 14th, 2012

I have not found a competent att in ohio yet. Research shows assignment on my house was not correct. 5 years left blank no assignment.

Posted in Chase Home Finance

Englewood Florida Chase Home Finance Complaint
March 28th, 2011

hundreds of pages to document chase fraud

Posted in Chase Home Finance

enid Oklahoma US Bank Complaint
April 18th, 2011

I have been sent a letter by US Banks attorney saying they were going to foreclose I have also requested a copy of all closing documents and they said that they will cost me at least 100 dollars . I was put if a forced foreclosure where the bank rejected funds , lost checks and would not work with me . The biggest thing is that I received a 10,000 dollar bill for a loan US Bank took out in my name after refinancing that I had not been made aware of and they didn\'t even credit it to my account until I called and asked about the loan .

Posted in US Bank

Enterprise Alabama Wells Fargo Complaint
May 12th, 2012

Hello...My husband and I were mislead into signing a sub-prime mortgage. I really don\'t know how to begin or start this letter so, here goes. In 2010, I was trying to redo my mortgage because I needed to remove my ex-husband\'s name off of the mortgage. I first went to a place out of Florida. They said I was approved for a 5% mortgage on my 110,000.00 mortgage. I paid 350.00 for the house to be appraised then was told a closing date. When the date came up I didn\'t hear anything so, I called and they told me that I wasn\'t approved now and sorry but, I couldn\'t get my money back. I was so upset. Then within 2 weeks after that, I got a phone call from Wells Fargo. They were saying they could help me so, I went up there. They were nice people and I told them what happen to me earlier with the other company. Megan was the lady who was helping me. She took all my information and called me back in a few days and told me, I was approved for a 5% on my mortgage. I had 6.3% with Bank of America but, they wouldn\'t take me ex-husband off the mortgage and I had my divorce papers saying I had to remove him. Anyway, then Megan came back and told me that I had to add all my credit cards on the mortgage too. I didn\'t want to do that but, she said I had to or I couldn\'t have the mortgage. So, I agree. Less than two weeks before closing, she came back and said I needed a co-signer on my mortgage. I asked my boyfriend Mark, who is my husband now if he would co-sign. He did and again less than two weeks before closing she came back saying was a problem. At the time, I had a credit score of 643 but, Mark had a credit score of 595-600 because of something that he\'s ex-wife had not paid and he never checked his creidt score before. Megan called us and said that we only qualify for a sub-prime mortgage. I never heard of a sub-prime mortgage before. She said that we would only have to keep it for 8-12 months, it would rebuilt his credit and we could refinance the mortgage after that to a cheaper rate. Mark asked about the first-time home buyer for him since he has never bought a home. She said that he would get that too but, that\'s not so. We asked how much the interest was and I about fell out, it was 11.63% but, she kept saying it was only for a little bit, it would rebuilt his credit and then we would get it lowered. So, I was going from a $110,000 mortgage at 6.3% with a payment of 807.00 and that was with escrow to a $145,000 mortgage at 11.63% to a $1585.00 payment. That was a lot and I was approved at first for 5% but, beacuse of my husband beging a co-signer it went up. We wasn\'t sure about it but, she kept saying we needed to decide because it was only good for I think 2 days or they would retracted the offer. We felt pressed but, we trusted her and Wells Fargo so, we signed. I believed everything she tolds us and I really did believe she was looking out for us but, less than two weeks after signing the mortgage I saw on the news where they doing away with sub-prime mortgages. The news said sub-prime mortgages were not good for the consumer and was a very bad thing that mortgage company\'s were pushing on some. My heart sank and I felt like a fool right then and it was too late. We just waited for the 12 months to end so, we could refinance the house. I went to the Wells Fargo Mortgage and the nice lady there said she couldn\'t pull up my mortgage because I went though Wells Fargo Finance. I didn\'t know there was a differents but, there is. She said she was sorry but, she couldn\'t do anything. Then my husband lost his job and he started using his saving to pay the mortgage. I called HUD and the lady there told me to contact my State Attorney and file a complaint because what they did was wrong and something needed to be done about it. Then American Executive called and said they could help so, I trusted again because I don\'t want to lose our house. I didn\'t want to make any problems just be treated fair, have a fair mortgage and mortgage payment that we could afford. We started this Octorber 29, 2011 and I filed a complaint with Consumer Financial Protection Bureau in February too. Jayme Adam called us after I filed with Consumer Financial Protection Bureau. Mr Adams was nice and said he would look into it. Then he wrote that my credit score is 583 and that\'s why I got that interest rate of 11.63 but, when I was getting the mortgage in the first place I didn\'t have 583, it was 643 and I was approved for 5% so, he is wrong with his report. Then Wells Fargo finally came back 4/2/2012 with a payment of $1338.75 as a trail 3 month payment period. Don\'t know what the interest is or how much lawyers fees they tacked on at the end of the mortgage until after the trial but, that\'s what they said they would do. Plus, we aren\'t promised to get the mortgage after the trial period. So, I might get 30,000 or more tacked to the end of the mortgage and might be upside down on the house too. Our house isn\'t nothing fancy, it\'s a simple brick house and we don\'t want to lose it. I work two jobs right now and the V.A. has paid for my husband back to school so, he can get a better job. I still have three children who live here with us. I\'m not trying to cause any problems. I just wanted to be treated fair and keep our home. Thank you very much for your time and for reading this. Sincerely, Nicole Savage

Posted in Wells Fargo

escondido California Bank of America Complaint
August 14th, 2011

ive tried to modified my loan twice and got denied first because too much debt and later for lack of paperwork received wich is untruthfull

Posted in Bank of America

Escondido California Chase Home Finance Complaint
March 23rd, 2011

It started 2 1/2 years ago August 2008. To make a very long story short we have been in and out of foreclosure several times. We received a loan re-modification in June of 2010. It stated that the balloon payment of $223,000 along with the principal balance would have to be paid at any time we sold or refinanced the loan. So for a house that appraised for $400,000 we would have to pay 623,000 even if we sold or re-fied in 2 years or 5 years whenever we sold or refinanced. I think this is a legal way of loan sharking? We tried and tried to speak to someone. We got another foreclosure notice as we didn\'t sign and return the documents. We had to file bankruptcy. In the mean time we received another set of loan re-modification documents. This time the balloon payment terms were the same only there were several typo\'s and the balloon payment is now $270,000. Sections of the documents were blank and missing information. We tried and tried again along with our attorneys, who couldn\'t believe what they were reading, to contact Chase. Finally our attorney got an email from Chase\'s attorney confirming that the terms of the balloon payment are correct and due anytime we sell or re-finance. We will have to say good bye to our home of 8 years. Is this legal???

Posted in Chase Home Finance

Etters Pennsylvania Bank of America Complaint
April 16th, 2012

they sent me a letter telling me I have changed servicer and then they backed out of it and they lost my payments and sent back payments. My loan was securitized and the assignment was done right after but they filed with the county clerks office 2011 to cover their tracks but its as mers assignment which makes it null and void. who owns my note? it was sold as cwabs as certificates so they are double dipping and now trying to get my house!!

Posted in Bank of America

Euharlee Georgia Bank of America Complaint
June 29th, 2011

The problem was with my equity line also taken out at BOA. I was behind in 2005 by one or two payments and BOA sold them in a bundle to AIG without my knowledge or permission. I was current on my primary mortgage. I made a couple of current payments to AIG..missed one $300..called them to tell them I would be paying that with the next payment. Before I could make that payment AIG tried to foreclose. They tacked on $6000 in additional legal expenses, forcing me into bankruptcy when I really didn\'t have the other debt to substantiate a bankruptcy ($13,000 in credit cards and other debt). I could have settled that debt for about half had it not been for the bankruptcy because most of the debt was interest and some business debt that ended up in my name. AIG figured out I had equity in my home ($60,000 in 2006) and they tried to steal it basically.

Posted in Bank of America

Euless Texas Bank of America Complaint
April 24th, 2012

Its been a Nightmare ... Bought the house 11-2009,FHA Loan with Bank of America, took out the Barrowers Barrowers potection Plan through Bank of America on top of the MIP insurance through FHA,was unemployed 5 months, got 3 months behind ,asked for help and was told they would pay just be patient now back at work making payments on time for over a year, I get threatning forclosure letters every week. Hired a attorney and was advised to file chapter 7, Im still receiving threatning forclosure procedings from BOA. Asked for FHA /Obama administratiions making home afordable help, they will not give me the help I need, they will not stop harrassing me, forclosure letters continue, my credit reports show that I have not made a payment in 120 days, this is a lie. I have all the letterd they have sent me.

Posted in Bank of America

Eureka Springs Arkansas Chase Home Finance Complaint
September 30th, 2011

Chase foreclosed on our home after Wamu accepted us in a remodification. I don\'t have all my documents because we were evicted Sept 21st I want to sue Chase for an unlawful foreclosure, they lost my checks and claim I didn\'t pay. It looks like they defaulted me by claiming they didn\'t receive payments. I am looking for any way possible to get back everything we lost. Chase then sold our loan to Freddie Mac, and that made litigation impossible in court. I am very interested in being part of any class action against Chase and umlawful mortgages.

Posted in Chase Home Finance

Eutaw Alabama Green Tree Complaint
June 10th, 2011

I am presently in bankruptcy for the arrears and they are taking out my mortgage payment also with force insurance. I filed an insurance claim due to the tornado that happen april 27, 2011 for my roof and they (American Bankers Insurance) denied the claim. So I then talked to the mortgage company to speak with them and they say there is nothing they can do but they expectt me to keep paying this insurance company and the roof is going to fall in if it don\'t get repaired and that what I pay insurance for. I have been having problems with Green tree Llc, Company for a long time. When you file a claim the money goes to them and they don\'t release back to you, they want to pay out of your pocket then they will give you the money but thats not right. I pay the insurance premiums so why want they give to me to have the repairs done. When you are behind they call all over the state leaving messages on people phone considering your business, but didn;t bother to pick up the phone an call your when they had your number, address on file. They talk to you dirty and nasty. I maybe leaving some things but it will come back to and I will tell you.

Posted in Green Tree

Everett Washington Bank of America Complaint
July 6th, 2011

My wife and I are interested in filing a lawsuit against Bank of America, for destroying our credit, misleading and misrepresenting the MHA Programns and for delaying our modification process, because of loosing our information mutiple times, from 2008 - 2011.

Posted in Bank of America

Excelsior Springs Missourri Chase Complaint
June 10th, 2011

My org loan was conv in 2004 w/Corrinthein Mort. In hind site now I know I was only given the loan Because I had the means to pay points and put down a downpymt in cash. This was my first purchase. I trusted the lender. I didnt know about how a loan shouldn\'t be more than 30% of income. no one explained any thing about homebuying,escrow etc. I was also knowlingly decieved by the appraiser and most definetly the realtor/agent She lied many times about how good the inspection was and the sellers realtor didn\'t disclose about a sunken filled in concrete pool in the back yard which a neighbor told me about 6 days after closing. The 3 day op out was gone by time I found out and couldnt get out of the contract. The house should never passed inspection due to old wiring no permits were pulled by seller for his repairs etc so I never found this out till all the neighboerd told me. I was stuck. I didn;t have any money to fight the apprasier or realtors or seller over my findings. so I paid to fix what I could and lived in my house I never missed a pymt. I took out a second for a driveway thru Nations Bank at 9% it was to be a fixed rate loan when I got the payment book I saw it was a balloon loan. when I signed papers I thought I was getting a reg note the loan guy told me pymt was only 99.00 a mo that was ok but, as I pd pymts I saw % was never going down. that is how I foud out it was a baloon loan. So I refied in 2008 to get rid of 2nd. refied thru A1 Mortgage in Lee Summit Mo. I was given a loan guy he took my info and app said he would do a streamline loan didn\'t need any paperwork from me just my creditreport and social. He told me closing costs and everything would be tacked on to back of loan at 5%. I agreed we shook hands He said I would get my new loan in about 7-10 days he would call when ready. After 4 wks without hearing from him I called A1 and was told he had been fired but not to worry I was approved and papers were in underwriting.After another 3 weeks I go into office to get papers signed and I find out now loan was changed to a FHA not Conv like I agreed too with first loan officer the one fired. I asked loan officer why the changes he tells me due to first guys screwups they had to do a few changes like 6^ now, not 5%. supposedly rates jumped? and he tells me FHA is a better deal then a conventanal loan and he really just pressured me into loan making me feel bad that if I backed out cause of all the work already done for me by them on the papers etc. He showed me the goodfaith offer and at the bottom I saw where a 50.00 fee was, I asked and he said oh that is just homeowner ins included in payment I Belived him as it said insurence-50.00 a month. When I was in the closing office with the closing girl she was upset acting sort of rushed I asked if their was a problem she tells me she is running late to close office for the day. she was mad for having to read the previous peoples loan docs page x page to them said it took her 2 hrs . I felt bad for keeping them there late and she started shoving the papers at me real quick like for me to sign. She never did look at my signatures she was in a big hurry to go home. So as I left I was told I would get loan packet and pymt book from A1 Mortgage to make pymts with. About 10-days later my loan docs arrive in mail w/paymt book. I opened my packet and looked at pymt book an saw my paymt had gone up by 50.00. My pymt went from 800.00 to 856.00 I went an got my org good faith offer from day i signed the first paper and it showed 50.00 but did not state what kind of insurence come to find out, after calling A1 it was a monthly charge for FHA insurence which i was never told of. He never said it would raise my payments 50.00 more a month. He said it was homeowners and figured into the paymt amount so I told loan guy I didn\'t want the loan that if i had known it was a FHA charge i\'d never agreed to this loan i would of gone Conv like my first mort He rudely told me \" Well its to late now your stuck just refi in a month or two\"I was so mad and upset he lied and witheld information. MY payment went from 800.00 to 856.00 and I specifically told the first loan officer I did not want my loan sold I wanted to work with a mortgage co who didn\'t sell their mortgages I was told by him that A1 kept their loans in house and didnt float their loan papers. So seeing how I had no recourse thru A1 I sucked it up and went on.I kept up the payments hoping to sell in Dec. or first of 2009 but by then housing was declining but ki was getting by untill I lost my job of 5yrs due to the economy. from 2004-11-11-2009 I never was never late on my pymts. I called Chase an explained my job loss was told to apply for loan mod. I did while talking to chase rep i told here my unemployment should cover my pymt but it would be 8 weeks to get.At this time unbeknown to me Chase ad a program for people on Uemp to offset part of paymt till i could get another job but i was never ever told about the program found out about it in 2011 any way anyway she told me dont worry if your 3-4 mo late it will help expidite my loan app and she could tell by talking with me i was eligable for the modifacation but that it could take 3-5 mo to get it completed.She told me to call back in about 6-8 wks to check status of my mod.Since starting with this process i have mailed over 13 loan Modifacation packets to chase with every piece of requested documentation enclosed some were faxed never was i told by Chase that i was supposed to up date every 30 days my information etc like bank statements etc it has cost me a small fortune approx 17.00 ea time i faxed the paperwork and 8.00 ea time i maile. I have lost count of the times i have got letters or a call from chase saying packet never recvd or pages werent their etc. I makes me Ill every time they contact me. This has been going on now for over 18 mo.I tried to go thru Home Free USA a hud program im the obama stimuluus absolutely a joke they jerked me around for a year doing nothing for me a supposed councler/mediator with chase I was never told office was closing and closed in Dec2010 NO contact from them about this and still cant get my file with my ss and bank work history etc. Two month ago i got a forebearence offer out of the blue from Chase gues what out of the kindness of their harts they were letting me make a pymt of 830.00 for 5 mo now my paymt is 856.053 a mo tell me how is this small difference gonna help after takes and escrow im back where i was in my payment amout. Since i got tangled up in this mess with Chase my health has declined I am now having to apply for my ss disability due to the intense worry of losing everything i have worked all my life for. The only thing i wanted this last year and half has been for chase to just lower my payment so i can afford a paymet i can make so i can keep my home out of my disability check. I cant afford to move apt aroung my home start at800.00 a mo for a 1 bdrm I really need someone to help me stop this mess its slowly wearing my health down and i am desparate i have worked since i was 15 non stop lots of time 2 jobs for years hope some one can get me with the right person to know my legal options .

Posted in Chase

Exeter New Hampshire Bank of America Complaint
April 30th, 2011

I tried loan modification, but couldn\'t get anywhere, so we left the property a year ago, It has been up for auction, but they have postponed it 3 times

Posted in Bank of America

Fair Lawn New Jersey Wells Fargo Complaint
February 26th, 2011

After being unemployed for 8 mos, declaring chapter 7 bankruptcy, Wells informed me that I did not qualify for a modification because I was out of work. After starting a new job (at a 37% cut in compensation), Wells informed me that I still did not qualify for a modification, the whole time sending me Foreclosure Notices and letters indicating that I could modify my mortgage.

Posted in Wells Fargo

Fairburn Georgia Countrywide Complaint
December 22nd, 2011

My hours were cut at my job and I call Bank of America and they said i would not quality for a modification because I dont make enough money

Posted in Countrywide

Fairburn Georgia NationStar Mortgage Complaint
December 6th, 2012

# 1. I was quoted a lower, 4.2%, rate than I recieved and was told in order to get the rate I was originally quoted, that I would have to re-fi. again next year to get a lower rate. #2. My loan was sold to Nationstar, to whom I think is affiliated with Flagstar but not sure.Before my loan was transfered to Nationstar, I was a full payment in advance, by design, and somehow lost it. It was said that I had not paid the Jan. pyment, not true. #3. When I recieved the notice of my loan being sold to Nationstar I had to call Flaggstr as to where to send my Sept.15,2011 payment, I was given an address without an account #. I sent a letter with each pymt. explaining the situation, that I had not recieved any contact from Nationsstar about the sale/transfer and asked to be RSVP\'ed ASAP. I did this for the next two months Oct.15,2011 and Nov.15, 2011! In mid- December I was sent a shody letter of the sale/transferand finally a new acct. #. #4. Prior to the sale/transfer my pymts. were due on the 15thand wer paid on time or a month in advance. Only to be told that my loan was now due on the 1st. of each monthand I could not change it!. some how, therin, I found out that I had lost my one month advance payment. In feb. or Mar. of 2012 I recieved a late pyment fee.and wrote to Nationstar to inform that I was a payment ahead before all this went down and don\'t owe a late charge. I was told that I had not paid for Jan.2012, and that is why I lost my I pymt. in-advance. When in fact it was lost due to the sudden change in my orignal due date. When I closed with Flagtar, I specificly set the due date to the 15th because my Soc.Sec. check came on the 12th of each mont and I did not want to be late. My one payment ahead was done in the early times of paying to Flagstar,and now get notices of late pymt. I have all my statements showing discrepancy. Thanks, hope you can help. signed \" DON\'T LIKED TO BE HANDLED AT 68\"!!!

Posted in NationStar Mortgage

fairfax station Virginia HSBC Mortgage Corp. Complaint
June 11th, 2011

my house is pending!

Posted in HSBC Mortgage Corp.

Fairfax Virginia Countrywide Complaint
April 23rd, 2012

Lender foreclosed and processed me as a civilian even though they knew and had proof that I was in the military. They violated the SCRA.

Posted in Countrywide

Fairfield California Bank of America Complaint
April 29th, 2011

Misleading statements, fabrications, misrepresentations, multiple payment statements.

Posted in Bank of America

Fairfield California Chase Home Finance Complaint
September 24th, 2011

after 3 yrs. of trying to remodify with nothing but run around, even after a 3 month trial period Chase lost all paperwork numerous times and actually sent back my payments with intent to foreclose. Against my wishes I put my home of 20yrs. up for short sale. I am disabled and am forced to move in with my only living family member left in Texas.

Posted in Chase Home Finance

Fairfield New Jersey Chase Home Finance Complaint
November 8th, 2012

I call then evry other day ..same response

Posted in Chase Home Finance

Fairview Texas Bank of America Complaint
December 30th, 2012

Called BofA when I was about to fall behind 1 payment- and explained an impending financial hardship- divorce, and decrease in income. Asked if I could have 1 or 2 payments added to the backend of the loan, allowing me some breathing room, to stay current going forward. Was told on mutliple calls about this, that I did not qualify for Making Home Affordable unless I was 3 payments behind. Uncomfortable with this advice, I continued to call and ask again, and was always told- wait until you miss 3 payments, then we can help you. I took their advice, and called as soon as that 3rd payment was missed. Requested consideration for Loan Mod... As I was completing that info to send out, I called to make a payment, not wainting to go behind ANOTHER month, to protect my credit report, etc... they would not accept my payment! In the meantime, I had a friend call me and tell me she happened to see my home listed on the Foreclosure Sale List in our County! Mortified, embarrased, confused, and feeling duped, I called BofA and they said, yes it was in Foreclosure, since it had gone 4 months late- and that was automatic, at the 4 month mark. I asked about why this occurred when I was in Active Loan Mod Process, and had done everything they had told me, to the letter? Was told it was in Active Foreclosure AND Active Loan Mod status at the same time, but not to worry as \"Foreclosure process takes many months\"- when I explained my home was already listed FOR SALE that next month- they seemed a little shocked, so I called they Trustee, and they,too said they had never seen a home go so quickly through the process. In retrospect, I am sure that it is no coincidence that I had $140K in equity in the home. For months, I was forced to \"play a game\" of lost paperwork- ultimately, submitting the entire modication packet 4 times, as it coninued to get lost. At one point, I was told that it had been approved, I was even given my new principal and payment information, and told a FedEx packet was on it\'s way. It neve arrived and when I called a few days later to ask about it, explaining I had been given the figures on new principal, payment (terms of the mod)- this rep\'s tone abruptly changed and she sharply asked \"WHO TOLD YOU THAT INFORMATION? YOU SHOULDNT HAVE BEEN GIVEN THAT INFO?!\" For approx 8 months, I had to call no more than 3 days prior to the sale date, and re-explain to a new rep the situation, was refused my request to talk to a supervisor, so would call back to get another rep, until I was finally able to get a supervisor, or transferred to the Foreclosure Dept where I had to re-explain my entire experience from the beginning- I cried, I begged and pleaded, and succesfully had the Sale Date moved one month, until I had to do the same thing all over again. During each of those months, I continued to call and inquire about my modification, and was given what I call \"the run-around\" - I later spoke with others that described nearly identical experiences- it was then that I realized this was just a delay tactic. Clearly, B of A never had any intention of taking my Mod Request seriously (though I KNOW that I should have qualified). Finally, the stress had taken such a toll, that I lost my job, and became so ill, I sought answers from doctors for what i thought was just stress. Turns out, I had caught the mono virus from one of my kids, and due to the stress, my immune system was too weak to properly fight it, and it morphed into an autoimmune disease- EBV, and Pernicious Anemia, for which there is no cure. This experience has had such an all-encompassing impact on myself and my 5 children: social, emotional, financial, and medical, that my life is now easily characterized by 2 distinct time periods: \"Before B of A stole my home\" and \"After B of A stole my home.\" Knowing that I could no longer continue the fight, and further damaage my health and sanity- not knowing whn my kids and I would be thrown into the street, I put the house up for sale, attempting a quick sale, listing the home for far less than it\'s market value (but still for far more than my loan balance) and began looking for a home to rent (not easy to find in the small town we are in, but needing to keep some semblance of normal for my kids, that have lived their entire lives in this school district)- so, when I found one right away, I jumped on it, and I began moving some of our things. The investor that had my home listed, suggested it would sell faster if we emptied some of it out anyway. I must\'ve sensed that they were about to close in or something, because it was that very month they swooped in and Forelosed- wiithout any notification or warning- one day, I pulled in my driveway, got the mail, noted that the lawn service had been there and mowed that day, and didnt get the ForSale sign put in the right location, so I fixed that... and then- WHAM- I walk up to the door and discovered that the house had been re-keyed and I was locked out- when I called they claimed I had \"abandoned it\" and that is when I discovered it had finally happened- they foreclosed it- without so much as a phone call. I had to call and BEG for permission to get my things, which included extremely sensitive documents- some 48 banker boxes fill of Employee Records- containing Personally Identifiable Information (these are Employee Records from my small business that I am required to keep for a certain period of time, before I can PROPERLY destroy them.) These employee files contained copies of Social Security cards, check stubs, etc- an Identity Thief\'s Dream- and I was sickened to think of whose hands they could get into because they told me they had already ordered a service to come take everything and get rid of it. Once I explained the liability I was facing, due to these documents now unaccounted for.. they abruptly called and \"got lucky enough\" to reach the \'Clean Out Service\' that was enroute to steal the belongings in my now stolen home-and stopped them. Then, they sent someone out to let me in and stay and oversee me and two friends I called, to borrow a truck and trailer and hurriedly gather my belongings- all while my neighbors of 8 years looked on in disgust and horror. All I felt was ambarrassed, ashamed for being so naive to listen to and believe my mortgage company was giving me accurate information and advice to follow. I had a great life. Woderful home in a great community, with many friends, I was active in the school PTO board, in volunteering for church and scout leaderships activities. My credit was unscathed. My kids were happy. Today, I am but a shell of that person. I live in a rented home, with o foreseeable chance at ever purchasing a home due to the damage this has done to me financially, as well as to my credit report. I continue to receive mail from B of A which I find to be disguting, as it is salt poured in a wound I am trying to heal- better described as harassing in nature, really. For example, notices of \"we can no longer take your payments via check, you must pay online or in a branch\"- rec\'d MONTHS after their intentional misleaading activity, misinformation, hours of run-around, \"lost\" paperwork time and time again, to finally end in the ultimate fraudulent activity- illegal foreclosure, and seizure of my home and contents. Then, another notice came from someone requesting info to complete my request for the home loan modification- this one was nearly a YEAR after they had foreclosed on my home illegally. I have not received the equity I had in the home, which I am sure they have added so many unlawful penalties and fees to my original loan balance, that they have probably worked it so as to chisel down the equity to a LOW figure, and they sold the home for far less than it was worth, to boot- further lowering my equity. I have 2 kids now in college and 3 at home, my marriage ended, and we have moved again to another rental home, closer to my parents so that I can have family close by. The kids had I finally was able to find a great job (despite my poor credit, I was able to get an exception to be hired for this role)- everytime I think of this situation, I am sickened. I see now, that the Home Loan Mod program has been re-vamped due to the wrongs such as I experienced, and I am grateful that others will benefit from these changes, though it does nothing to help me as I try and rebuild what I worked years to achieve. That home was the only asset I was awarded in my divorce, and now that\'s gone. I live paycheck to paycheck. I was forced to sink to applying for and receiving food stamps for a year- something I never could\'ve imagined. Trying to move on, yet- I feel that I am due my equity in the home, damages for the financial ruin they have caused, and my credit report corrected to remove the giant blemish of a foreclosure. When I see that $25 billion is set asie to help current homeowners LOWER THEIR PRINCIPAL, and all I ever requested was to have a payment or two tacked on to the end of the loan, allowing me 30-60 days to get to a cash-positive place, and avoid missing a payment- to end up here. It\'s been a nightmare. How can they take your home, through fraudulent and deceptive practices? Never would I have believed my story is one that happened in America, if I hadn\'t lived it and know it to be the absolute disgusting truth. (forgive typos, please.. this is a LONG story that I have had to tell and retell and retell and it\'s painful revisting it)... Any help that you could provide me- I would be most grateful.

Posted in Bank of America

Fall River Massachusetts Bank of America Complaint
January 17th, 2013

im single foster parent with disabled children. this has been a process since oct 2008. i applied and was in process of president program to adjust my mortgage and jumped hoop every step to be told at last step that they sold again this sressed beyond repair ive lost i am lost someone help me the house is in bad repair and im still here? whats next? susan frank

Posted in Bank of America

Fallbrook California Bank of America Complaint
September 16th, 2011

made four money payment initially of three thousand sixty three for four months bofa said they never received my pymts ruined my credit called me a liar started foreclosure,harrasment phone and in person,I had a nervous breakdown hospitalized finally bofa credit me nearly 15k never apology ruined my credit first thirty day late, had loan modification done,bofa said done no worry they lost loan mod said it never occurred started foreclosure harrasment tried loan modification told couselors at convenction they were able to find after 8hr of waiting,sid it would be taken care of immediately,forwarded to the Bank of americas Office of the President,VP of Bank of America was personally handeling,told to continue making new payment I did then then raised payment three hundred dollars no explnation,then foreclosure proceedin gs again no missed payments,just received letter of intent to foreclose acceleration letter, my eldery parents used their savings to pay so my disabled son,daughter and I wouldn\'t be homeless. Noone at Bof A have a clue what is really happening with my loan. I have asked for a certified conformed copy of the original assigment and have yet not received.

Posted in Bank of America

fallbrook California Washington Mutual Complaint
July 29th, 2014

When our lender Washington Mutual went under Chase Bank became the servicer of our loan. We have sent registered QWR to Chase about their standing. We have requested any assignments, allonges, the note, the deed of trust, they are unable to verify any standing with our mortgage, they are not in the chain of title, their name appears no where. They are unable to tell us where our payments go or who receives them. They may have been fraudulently taking our payments since the take over of WaMu in Oct. 08. They are not our lender

Posted in Washington Mutual

Falls church Virginia Bank of America Complaint
May 25th, 2012

I have submitting paperwork over again since Sept 2001. I have been routed from an office in Cal. to an office in Alexandria, Va where I met with a rep. During this process I was served a notice of foreclosure from the law firm of Samuel L. White on Dec 9,2011. I immediately contacted the Alexandria rep. and was told to ingnore it as I was applying for loan reduction. Late Dec. 2011,a neighbor brought me an add in the Washington Post for the foreclosure sale of my house. I had 4 days to claim chapter 13. I am still being asked for additional information thru the BoA banckrupcy dept. for a mortgage reduction. If it were not for my neighbor, I would have lost the house.

Posted in Bank of America

Farmland Indiana HSBC Mortgage Corp. Complaint
February 12th, 2012

I have tried on several occasions to modify the loan that i have with HSBC and i have sent them everything they ask for and then they denied it every time .I am upside down in my mortgage and have been out of work for 3 and half years and can not get them to work with me to help me keep my home.I don\'t know if you can help me please

Posted in HSBC Mortgage Corp.

fayetteville Arkansas Bank of America Complaint
May 24th, 2011

i kept being told i would be pit in program, i sent paper work in 5 times. they offered me a deal which i had to borrow money from goverment and than my payment would increase. it was a mess. i lost the home i grew up in. i decalred bankruptcy, i had no choice

Posted in Bank of America

fayetteville Georgia Chase Home Finance Complaint
March 20th, 2012

are now trying to modify our mortage with our lender which is CHASE for the third time ,but have not complete it as of yethope to soon also would like our home no what. i hope that we can quality for this class action

Posted in Chase Home Finance

Fayetteville Georgia New Century Financial Now Carrington Mortgage Services Complaint
April 25th, 2011

Right now we are not being pursued, but we don\'t trust them. Had to file for bankruptcy is stop foreclosure. In the meantime we went through a process that rescinded all attorney rights relating to the fraudulent loan after sending a QWR which was not responded to in a timely manner. Currently our home is in a trust.

Posted in New Century Financial Now Carrington Mortgage Services

Fayetteville North Carolina Sun Trust Mortgage Complaint
March 22nd, 2012

I\'m in active foreclosure. I have worked with the banks in total for the last 3 years to retain residence. Going as far as filing chapter 13, but lost my job and could not pay the chapter 13 and was dismissed. So I started working with suntrust mortgage to try and retain my home and that was in October of 2011.

Posted in Sun Trust Mortgage

Fayettevilled Georgia Chase Home Finance Complaint
May 15th, 2012

Foreclosure date is: June 5th 2012. *June2009 was told by chase to be 3 months late and they would do loan mod.8 trial payments made. sept 2010-cancelled mod due to lack of documents. Did everything they have asked. Been doing loan mod applications with run around since 2009. now in foreclosure. \"HELP\"

Posted in Chase Home Finance

Federal Way Washington Chase Complaint
February 18th, 2011

My foreclosure is set for March 4th but, I have an attorney who will file bankruptcy if nothing can be worked out

Posted in Chase

Felton California Chase Complaint
June 20th, 2012

My troubles started with chase in June 08. I came home to find a foreclosure notice taped to a tree in my yard telling me my home would be sold on the courthouse steps in 3 weeks. I immediately called them and they put it off for an additional 6. In the mean time I called countless times during the next 5 weeks only to talk to someone different each time in different states and after going through the whole spiel was told there is nothing I can do but continue to call back again later. I eventually heard of a 3 or 4 day seminar chase was holding in Oakland for mortgage customers in my situation. I took the time to attend and still got no guarantee they would work with me but they did take the sale of my home off the calendar. I finally walked into a branch and again was told there was nothing they could do but was given the name and phone number of someone who could. I worked with him for 3 years constantly submitting paperwork every 2 to 3 months and finally got a modification. I made payments on time for the next 3 months during the trial period and two weeks after signing the new loan documents they sold my loan to a company based in either Illinois or Florida with every customer service call I\'ve made going straight to India. What a disgrace.

Posted in Chase

Felton California Litton Loan Servicing Complaint
April 30th, 2011

I have been going through the loan modification process with my loan service provider (Litton Loan) for 2 1/2 years now. I started by being proactive as I knew my job position was slated to be cut and I had the opportunity to take an early retirement package so I did. I have an adjustable rate loan and I knew I would not be able to afford my payment once it adjusted and I was living on retirement salary. I was not behind on my payments and had good credit when I started the process in November of 2008. I really wanted a fixed rate loan, a set amount that I could count on with my fixed retirement salary. My loan documents have errors in them, the first page says it is a fixed rate loan and inside it says adjustable, my initial loan payment was $1,425.00 interest only, another error in loan docs, one page says in big letters $1,425.00 is the principal and interest, another page says it is interest only. After six months I was offered a trial modification payment of $875.00 which I paid for 5 months on time and then one week before I retired the sent me a new trial modification of $1,987.00 a month, more than double the previous trial modification payment and more than my original payment of $1,425.00. After I contacted them I found out that they had not calculated it on my verified retirement salary, which they had, but my working salary plus the 10,000 I had not even received yet for retiring early. I thought that they would correct their error so I paid the huge trial modification payment for nine months, once again all on time. However it depleted my savings, the money I had received for retiring early. I was then turned down for a HAMP modification by an error on their part and they offered me a in house loan modification. The loan modification that Litton has sent me is even higher than the last trial modification payment and higher than the original loan payment. If I agreed to this absurd agreement the payment would be $2,176.39 which is $192.26 higher the previous “Trial Loan Modification” payment of $1,984.13 and my new loan amount would be $288,996.00, which is $3,996.00 more than my original loan amount. What made it absurd is that they have verified my gross income as $3,493.71 and after taxes and insurance, my net income is $2,314.51 you can see, if I paid this new amount of $2,176.39, I would be left with $138.12 to pay my monthly bills: water, sewer, gas, PG&E, telephone, cable…etc, food and gasoline, insurance. I am sure that you see the impossibility of that. At their suggestion I reapplied for the HAMP modification and as of today I was once again turned down, I think I qualified but my lender did not want to reduce my loan to make it work. They once again said that they are looking at it to see if they can offer me an in house loan modification. Litton had destroyed my credit and says I am behind even though I made all payments on time. I am now behind on my payments, my saving is drained from making the huge trial payment they gave me, and I really don\'t know what to do next. I have all documents, emails and letters from the last 2 1/2 years. My payment will adjust on July 1,2011 to 1,836.26 and again on Jan. 1, 2012 which I don\'t believe is what my loan documents say.

Posted in Litton Loan Servicing

Fernley Nevada Citimortgage Complaint
October 1st, 2012

Citi mortgage sold our loan to PennyMac January 2011 while in the process of modificationl.PennyMac is now trying to breach our Modification Agreement and raise our fixed interest rate to an adjustable. Many more details and I have all paperwork.

Posted in Citimortgage

Finksburg Maryland Bank of America Complaint
September 24th, 2012

After a year of negotiating B of A turned down our request for loan modifacation. Over.a year later they failed to act on our request for a short sale even after I had to refax a lot of paperwork and docs that they lost.

Posted in Bank of America

Fishers Indiana Everhome Mortgage Complaint
February 18th, 2011

Back in 2010 I lost my job and my husband who is self employed was off work for a while due to a major health issue. During this time, I contacted Everhome to inquire on the programs that were released by Obama for help on saving your home. We were not delinquent in my mortgage at the time but were at risk of being delinquent due to our circumstances. We were advised of the repayment plan where we lower our monthly mortgage payments for 6 mths, then pay the difference at the end of the 6mth to be brought current. It sounded like a reasonable, logical work around to our temporary situation. However, this is NOT how that program works. At the end of the 6mth period we received a foreclosure notice. I contacted Everhome who advised me that I was showing as 6 + months behind. I inquired about our payments that we had been making and they said those payments get escrowed during this period which automatically makes you in default of your loan and we could attempt to apply for a mortgage modification. We applied, and got denied. BIG SURPRISE. I obtained an attorney to help me with a modification who has had nothing but issues in working with Everhome and we are now officially in foreclosure. Everhome actually told me Monday that we were denied one modification and it is now awaiting on an approval or denial from another investor and there is nothing they can do until the investor gets back to them. Meanwhile, we can still loose our home if the investor does not get with them in time before we receive our sale date of our home. I have hard copies of all docs but nothing uploadable.

Posted in Everhome Mortgage

flint Michigan Indymac Bank Complaint
March 1st, 2011

20,000 dollars and more was added to my loan after i recieved a loan modification

Posted in Indymac Bank

Flint Michigan Saxon Complaint
September 6th, 2011

We were refused a HAMP modification even though we qualified. In June 2010 a hold was put on the foreclosure so that they could process the HAMP paperwork, on June 22, 2010 we were told that we were prequalified for the HAMP and that it was going to the underwriters. On August 30, 2010 they denied us for the HAMP based on our income even though based on our income we qualified. We were not notified until September 20, 2010 that they had denied us for the HAMP, our home was sold at a foreclosure sale on September 29, 2010. We were evicted from our home on June 27, 2011

Posted in Saxon

Florida Bank of America Complaint
May 26th, 2012

My original lender was countrywide who i guess sold to bank of america.Times got tough so i fell behind. I tried to catch up but ran into a brick wall. Bank of america would not tell me who owned my mortgage and how much legal fees the other company was going to charge for the foreclosure.They said the paperwork had already been processed so the legal fees for the bank were acruing and reflecting on the amount it would take to make my mortgage current.I finally got a number which raised several times within a weeks period of arguing.This was very stressful considering that bank of america doesnt own my property and their just collecting on behalf of the lien holder.

Posted in Bank of America

Flowery Branch Georgia Indymac Bank Complaint
August 6th, 2012

We had a construction loan and midway thru the loan. They stopped rembersing us back. They stole monies from us lots. then shut our account down and wouldnt let us finish the home. They forclosed home and we had to file a chap 7

Posted in Indymac Bank

FLUSHING Michigan Citimortgage Complaint
March 16th, 2011

Well it started I was struggling with payment. They set me up with a trail of 4 payment of 479. so I payed 3 payment of 479. Then on the fourth payment. THEY TOLD ME THAT I WAS PAYING THE WRONG AMOUNT.Well after that they said I was kicked out of the modification program. So now they want over $3000 to bring me current and I payed them.So now I found out that I might be getting laided off so now. They put me on unemployment mod. I asked what if I am stilled layed off after that they said they will help me.Well now they sold my mortgage to vericrest and they want money now.What do I do now. p.s. Didn\'t matter who you talked to at citi. you received a different answer they don\'t know there ass from whole in the ground.

Posted in class actions

Folsom California Bank of America Complaint
August 5th, 2011

I was denied for a HAMP modification and I am waiting for a inhouse modification, but was told that they would only to 5%/40 year with a blloon payment mod.

Posted in Bank of America

Folsom California Countrywide Complaint
September 17th, 2011

I just received foreclosure notice that my house may sell on Oct 5, 2011. I have an appt. with a bankruptcy Attorney on MONDAY.

Posted in Countrywide

fort laud Florida Chase Complaint
July 23rd, 2012

Chase present fraudalents documents,and discrimated my family.They sold my house in the court in the time i wait for my modidfications after I pay three times at forbeance palns.Chase due fraudalent p[roceds

Posted in Chase

fort irwin California Countrywide Complaint
May 29th, 2011

At the end of 2004 I was looking into purchasing my own home in Killeen, TX. I was an active duty, U.S. Army Iraq war veteran. A Century 21 realtor was having problems finding someone to finance me, saying that no one in the area would touch a VA loan. I knew my score wasn’t the best, but it was almost mid-600s (640). At some point she brought in an Individual third party, he stated that he could guarantee me a home mortgage in 30 days, and he did. Ameriquest took the loan, with an ARM, stating that if I made my payments on time in the first couple of years, they would change it to a fixed. Before the first month was due, Countrywide purchased my mortgage. Years after, even paying on, my ARM would hit 11-13% interest. Making my mortgage over $1000 a month. As a single mother of three, and a soldier of limited income, this became very stressful. Since then I can not really deal thinking about this home, and my PTSD not flair up. Anxiety attacks, panic attacks, and lots of stress. Bank of America now “holds” the mortgage. I was contacted by a law firm, stated I was part of fraudulent loans through Countrywide, but they wanted $2000 to process my case, which I do not have. Please help

Posted in Countrywide

FORT MILL South Carolina Bank of America Complaint
September 8th, 2011

Our loan has been sold 5 times, bank of america is unwilling to work with us.

Posted in Bank of America

fort valley Georgia Select Portfolio Servicing Complaint
June 24th, 2012

amount never seems to go down, my payments were at one time held and not posted so they could add on late fees, after refinancing my pay ment went up. said i was approved for gov. program but was for theres. always lost papers are forms i sent them. have been paying on this double wide mobile home since 1996, and still owe over 50,000 more on it.

Posted in Select Portfolio Servicing

Fort-Myers Florida NationStar Mortgage Complaint
September 2nd, 2011

Consider that we bought the house in 2004 where between the 20% down and the closing cost we spent $62,000 cash. We feel like Nationstar and Citmortgage really abuse us. First, Citimortgage puts us on forbearance for 6 payments within six months, and then we will be qualified for a modification. At this time, we where paying half of the regular mortgage price $888.63. Even with the government plan we were told that we where not qualified for a modification. After we continue to pay the forbearance for 11 months, they told us that we were qualified for a modification. At this time instead of bringing the price of the house down, they add $28,000 on the mortgage. We were told by Citimortgage that if we sign, they would forget the $28,000 and the interest rate would be deducted. We did not know what happened to us at this time we stated to pay, but nothing happened. We wrote many letters and conversed with citimortgage. Instead of dealing we use Citimortgage transfer the mortgage to Nationstar and telling us that Nationstar will take care of our problems. Nationstar told us that they couldn’t do anything about it. After a while, we asked Nationstar for a modification; they denied us, and told us that it is either that we do Did in-Lieu”, return the key and rent with them or short term sell. Our house for short term sell while we have been faithful to them paying our mortgage every month and we will be homeless after handing $62,000 cash and pay 7 years of mortgage. Nation star refuse to negotiate with us. We would like to request a “Quiet Title” on our house before the closing of the short term sell. In addition, we will like to do a moratorium so if the house is sold we will not have double pain

Posted in NationStar Mortgage

Fortworth Texas Bank of America Complaint
May 4th, 2011

817-798-8585 Harry Thomas

Posted in Bank of America

Fountain Hills Arizona Bank of America Complaint
July 22nd, 2011

Have not been forclosed upon yet, we also paid Wilsire Corp. $ 10,000 to do a Home Modification, we made the new payments and then were denied. We also made multiple submission of paperwork, which was lost and had apprasials that were, supposedly made and then lost or not performed.

Posted in Bank of America

Fountain Valley California Chase Home Finance Complaint
April 23rd, 2011

I am seeking a knowledgeable/experienced law firm actively involved with a class action lawsuit against Chase Home Finance, or interested in pursuing class action lawsuits against Chase Home Finance for numerous violations of Federal Law: 1) Federal Fair Debt Collection Practices Ace 2) Federal Fair Debt Billing Act 3) Federal Fair Credit Reporting Act Currently in the process of working with Chase Home Finance to procure 5 loan modifications on my 5 Chase Option ARM mortgages, that 2 year ordeal has yet to yield the anticipated results. Being about 2 months behind on all 5 Chase mortgages, Chase cut off the mortgage statements, made me guess on the monthly ARM payments. To make a long story short, being 2 months behind, I under-guessed 1 monthly payment by $.32 and under-guessed a second payment by $50.00, both properties then slipping into foreclosure. Having worked very hard on keeping up with all financial obligations, my wife working, etc., I had overpaid the monthly mortgages, paying down the mortgage and building up substantial equity, all but 1 of our properties still with equity, 3 of them with substantial equity. Chase, having cut off the mortgage statements, making me guess on the monthly ARM payments, the collection calls became unbearable, where I was getting up to 18 collection calls/day to my home, my work, and to my cell phone – from Costa Rica, the Philippines, India, etc., most of the callers hard to understand, many of them antagonistic, challenging, the callers obviously unaware limitations established by US Federal Law. I sent numerous FAX, E-mail, and formal letters, certified mail, return receipt to Chase, including several to CEO Jamie Dimon’s office, after which I received apologetic phone calls, voice mail messages, or “unsigned letters” trying to justify the reason for violating my numerous and repetitive formal “cease and Desist” directives issues verbally and in writing. Chase even went as far as sending two letters (though I believe there were more as I have 5 Chase first mortgages) directly to my employer informing that they are discontinuing the collection calls, those letters date stamped when received at our office, making their way around our office for 3 days until they showed up in my office, “face up” for my staff and others to see. Reviewing the Chase mortgage payment histories, there are numerous payment posting errors and monthly payments mis-noted as “late payments”, payment “removals” following payment postings, etc. I have since disputed the validity of payment histories for 2 of the Chase mortgages/properties currently in foreclosure through the law firm handling the foreclosures for Chase and the validity of the foreclosures that were initiated by Chase. Foreclosure initiations considered, my ability to continue paying what I could on the Chase mortgages was blocked, whereupon the outstanding obligation to bring those mortgages current has increased substantially. That considered, procuring the much sought after mortgage loan mods is increasingly important to save the properties. Though I have repeatedly submitted the requested paperwork, missing a few items, I have received numerous notifications from Chase with conflicting information regarding missing documents that had previously been provided, notifications of moan modification denials and denial on appeal to second level reviews, then informed verbally after I contacted the Executive Office that the denials were in error and that the formal packages have not yet been submitted. Though I have requested copies of the original deed from WaMu, the note securing the WaMu deed, as well as the formal document from WaMu authorizing “pass through” authorization for Chase to pursue enforcement of the note, and the authorization/ability to pursue foreclosure actions, I have not yet received those documents. In advance of submittal of the loan modification request packages, I have received repetitive phone calls from various brokers contracted by Chase as early as 6am and as late as 8:30 pm, requesting contact information to gain access to conduct mini-appraisals (PBO’s) of properties in order to go forward in submitting the loan modification request packages to “Underwriting”. My disputes of Chase mortgage accounting considered, and my formal “Answers” to the Foreclosure Civil Cases filed by Chase considered, the foreclosure process has been put on hold for all 3 properties, for 60 days from late March, pending the outcome of the loan mod process. Chase and the law firm representing Chase in the foreclosure actions has failed to respond to my request for debt validation, and verification of the accuracy of their payment postings and loan histories has not been addressed, my disputes not recognized by Chase, nor noted in my Credit Reporting Agency files. Comes the term “Net Present Value” (NPV), initially a good concept, that is now purportedly being abused by some Big Banks, particularly Chase. NPV abuse by Chase considered, in conjunction with what was substantial equity, we are quite concerned about Chase denying our request for loan modifications and proceeding with the foreclosure process. Though a bit verbose, the preceding leads up to our overall credit situation. My error of opting to pay the monthly credit card bills (bad debt) and letting the mortgages (good debt) fall behind, my credit has been trashed as my credit score used to be in the low 800’s, now in the low 500’s due to the Chase foreclosures, and some delinquent credit card bills, as Chase is very quick to note the negatives in my credit file, though they have not noted the formal disputes regarding the accuracy of loan payment histories, request for debt validation, etc. Our residence in Southern Calif., our properties in Southern Calif., Arizona, and South Carolina, and the law firm for chase in South Carolina some questions to be addressed: 1) Are you interested and able to assist in the spectrum of Federal Law violations pertaining to the Chase mortgage issues that we are dealing with? 2) Obvious accounting errors, mortgage payment mis-notations and payment mis-postings clearly evident in the payment histories of all 5 of my Chase mortgages. 3) Though I have recently requested the 4) I would be delighted to share what substantive information supporting class action status against Chase for their many violations of Federal Law, up to and including letters they sent to my employer (rather than to me as they should have done) referencing their intent to discontinue collection calls, FAX confirmations and certified mail/return receipts to CEO Jamie Dimon’s office, as well as voice mail messages left on my cell phone by various representatives of the Chase Executive Office. If it would be helpful in better assessing the spectrum of our situation, I am more than happy to forward some of the letters and E-mails sent to Chase, and the law firm representing Chase. Respectfully submitted, Howard Snitowsky

Posted in Chase Home Finance

Fountain Valley California Wells Fargo Complaint
July 28th, 2011

We were in a modification and we\'re removed in January of 2010 because they stated they did not have all of the paperwork, which was submitted on time. We then worked through other modification programs and our payments were not accepted. Eventually our HELOC was modified but not our first and we were foreclosed on.

Posted in Wells Fargo

Fowlerville Michigan Bank of America Complaint
April 10th, 2012

I dealt with Bank Of america for over a year trying to sell my home with a licensed agent. For over a year all of our paperwork was either lost, or misplaced. I have never been given such the run around!an offer was made on my house the first week it was listed and aproximetly a year later we finally sold to another buyer, it was only after i filed a complaint with the attorney general that bank of america even noticed who i was. this put a huge about of stress on me and i agreed to pay a promissory note at the time of short sale so i could put this behind me. i thouhgt all was good until noe, two years later nobody knows who is servicing my note and Radian tells me bank of america is giving me run around becuase they dont want to deal with me. after numerous attempts to contact bank of america, radian and dyck oneal with NO answers i decided to look into any class action suites that may be ongoing to see if i can get involved because i refuse to be made a victim again by bank of america. please contact me should you need any info. thank you.

Posted in Bank of America

Franklin Wisconsin Wells Fargo Complaint
April 17th, 2011

I received a temporary mortgage modification from Wells Fargo.We paid the monthly payment for over a year, and still have remained current with that amount.I recently filed for bankruptcy.My modification contract says that I am paying interest only and will have a balloon payment at maturity. The maturity date is 07-01-2019.They raised my payment to more than we can currently afford. It looks like they now are going to foreclose.

Posted in Wells Fargo

Frederick Colorado HSBC Mortgage Corp. Complaint
June 1st, 2011

HSBC Mortgage Services is the only mortgage company that does not offer a permanent renegotiation of Mortgage loans, there policies create financial hardship on the part of their customers, and they are more concerned with driving me out of the house than keeping me in it.

Posted in HSBC Mortgage Corp.

Frederick Maryland Bank of America Complaint
May 12th, 2011

Entered into Home Loan Modification Program with trial payments.Was told 90 days. At 90 days BAC was behind and continually told me to make trial paymnt. Has now been 16 months. Rec\'d intent to foreclose.Modification has never been completed.

Posted in Bank of America

Fredericksburg Virginia Litton Loan Servicing Complaint
June 20th, 2011

Litton Loan attempted foreclosure on 3 different events. Each costing me in excess of $3000.00.

Posted in Litton Loan Servicing

fredricksburgh Virginia Wells Fargo Complaint
September 13th, 2012

transfered with company haris tetter in 2005 from n.c. to northern virginia. was told i would not recieve any relocation assistance unles I used long/foster and wells fargo. moved in 2005 no money down 11.5 and 9.5 first and second morgtage. after 1st year payments nearly doubled. wells fargo strung me along for a couple of years without ever commiting to a modification plan that i could pay according to my income. i am currently loving in an apartment in my daughters name because nobody will rent me even though i make 75000 a yr.

Posted in Wells Fargo

Freehold New Jersey Wells Fargo Complaint
May 21st, 2011

My Mortgage lender has done nothing to recify the mess they have got me into.

Posted in Wells Fargo

fremont California american loans and funding Complaint
May 12th, 2011

I applied for a pledged asset mortgage with American Loans and Funding for $1,170,000 on 07/13/10. The loan specialist David Smith said I need to wire a deposit of $52,716.48 to secure the loan at 4.15% for 30 years. The deposit will be refunded upon close of escrow within 3 months. I wired the money to their Bank of America account on 07/30/10. The appraisal was completed by Tavares & Associates on 08/06/10. Pickford Escrow Company sent out the closing instruction on 09/09/10. The escrow did not close and funding was delayed. I contacted David Smith, Jorge Ramirez, William Rivers, Louis Sandoval and Rolando Wilson. They just gave me excuses time and time again. On 02/22/11 Jorge Ramirez, Co-founder of American Loans and Funding assured that they are reputable company and will fund my loan. The closing date will be 07/15/11. He promised to wire the interest owed but never did. On 04/22/11 he emailed me with a notice of bankruptcy and that his lawyer Paul Spear who claims to work for free will contact me for settlement option.

Posted in american loans and funding

Fremont California Chase Home Finance Complaint
April 10th, 2011

I have been requesting assistance since July of 2010 with no assistance, as they increased our rates due to Property Taxs and Insurance of which we did not have the ability to work out a complaint at the time and try to work out a solution. They have requested that I call 800-848-9380 of which goes to a support in Manila or where ever I have been in constant letter communication with them since March 23 2011 of which they have not replied to me in sending a Loan Modification Packet of which the support person (Joe ID JBA) indicated I would have in 4 -5 days when I spoke to him on March 15th of which I have never received anything only a demand letter indicating they want me to contact them at 800-848-9380 which goes to Manila and they want Financial Information of which their support person is in another country in the city of Manila

Posted in Chase Home Finance

Fresno California Aurora Loan Services Complaint
October 2nd, 2011

I am still negoatiating Loan Modefication with my banks, But before Denial, my Bank already Sold my house to Freddie Mae.

Posted in Aurora Loan Services

fresno California Bank of America Complaint
February 21st, 2011

I had the house in a short sale for 1 million and i was willing to 100k on top of that. I was not late at that time. Bofa said, they would not approve the short sale unless i was late on my payments.. The buyer had 1 million in an escrow account for over 6 months. after 6 months i finally quit making my payments, bofa finally said, they would approve the short sale. the by that time had pulled out.. after the foreclosure, the same buyer was able to buy the house for 500k and purchase another lot next to the property for me..

Posted in Bank of America

FRESNO California Chase Complaint
June 7th, 2012

i am in a loan modification process that i have been in continued communication with chase. they have not denied my modification either by phone or letter and today i rcvd a letter from a reconveyance company about there process. what can i do

Posted in Chase

fresno California Select Portfolio Servicing Complaint
March 25th, 2012

doesn want to help modified loan on 2010 at 8.0070 percent had death in my familiy still dont want to help us

Posted in Select Portfolio Servicing

Friendswood Texas Ocwen Federal Bank Complaint
September 28th, 2011

I am disabled and have a tax deferral affidavit. Ocwen has paid my county taxes and set up an escrow account. I have made phone calls and written to Ocwen\'s tax dept. They have not requested a refund for their tax payment error and as of 9/1/11 have NOT applied my monthly payment to my account. They have placed this money is a suspense account and are also charging me late fees until I pay them the monthly escrow amount, which I refuse to do.

Posted in Ocwen Federal Bank

Fruita Colorado Bank of America Complaint
March 18th, 2012

i have a lot of documetation on the gross misconduct of bank of america proceeding in attempting to modify my mortgage

Posted in Bank of America

ft lauderdale Florida Ocwen Federal Bank Complaint
June 15th, 2011

I have the complete file from beginning to the end for someone to research - Including all court documents in order - I do not know answers to the above questions but I know the answers are in the documents I have - I feel as though Ocwen performed an illegal forclosure and scammed me - Someone please contact me to discuss the case at martellconst@aol.com or 954-449-3535 - Thank you - Michael Martell

Posted in Ocwen Federal Bank

Fulton Michigan GMAC Mortgage Complaint
August 23rd, 2011

We have spent the last 2 years trying to get a loan modifacation. Our papers have gotten lost a number of times.

Posted in GMAC Mortgage

gahanna Ohio Bank of America Complaint
June 8th, 2013

I had the home short sold two times. B of A lost paperwork and took for ever to approve the short sale

Posted in Bank of America

Gainesville Georgia Regions Bank Complaint
April 19th, 2011

This loan was foreclosed even though it was paid in full. I have a video recording with Regional Vice President Tasha Banta stating that Regions no longer had the loan, yet she foreclosed it anyway in order to illegally transfer the property into another person\'s name.

Posted in Regions Bank

gaithersburg Maryland kondour Complaint
October 3rd, 2011

was with b of a then purchased by kondour in june 2010 while working with b of a on a loan mod. kondour stated they dont do them..filed chap 13 to slow down now oct 19 scheduled to forclose.

Posted in kondour

Garden City Idaho Saxon Complaint
July 25th, 2014

saxon stole my house

Posted in Saxon

GARDEN GROVE California Bank of America Complaint
June 4th, 2011

tHESE PEOPLE ARE CRIMINALS AND NEED TO BE STOPPED! i HAVE SENT THREE MODIFICATION PACKETS WITH ALL MY INFO AND WHEN I CALLED TO CHECK MOD STATUS THEY LIE AND SCREWED ME OUT OF A 16000.00 CASHIERS CHECK AND STILL NEVER MODIFIED MY LOAN!!!!!!!! I SUFFERED HIGH BLOOD PRESSSURE FROM THEY STRESS THEY CAUSED ME! THEY TOLD ME DON\'T WORRY WE DON\'T WANT TO TAKE YOUR HOME BUT WERE SELLING IT ALREADY!

Posted in Bank of America

gardena California Bank of America Complaint
May 1st, 2011

I have been trying o get a modification since October 2008. When I finally qualified for the HAMP program in 8/09, i paid 4 mortgage payments on time and then I filed chapter 7. B of A cancelled my modification and made me start over. Today I still do not have a permanent modification.

Posted in Bank of America

Gardena California HSBC Mortgage Corp. Complaint
August 6th, 2011

We belong to HSBC and have tried everything to get a mod.They raised our payment $1,600 in one month

Posted in HSBC Mortgage Corp.

Gardnerville Nevada Chevy Chase Bank Complaint
April 7th, 2011

Currently in Chapter 11 Bankruptcy. Lender threatening to File Motion for Relief of Automatic Stay. I am 73 years old. Loan taken after age 65.

Posted in Chevy Chase Bank

Garland Texas Select Portfolio Servicing Complaint
May 24th, 2012

My lender took a long time to do a modafation then they requested more money after sending them money they sold my loan a week after I send them money they always gave me the runaround they always lost the paper work I would fax or over nit them I could never speak th the same person ..

Posted in Select Portfolio Servicing

Georgetown Texas Bank of America Complaint
June 29th, 2011

Here’s one for you or anyone else ready to take on BofA and their fraudulent attorney’s! I have been trying to pay my loan off, in full for over 6 months and they have refused to accept my offer! My house was foreclosed on last month, I contested, now I have until 7-22-11 to get this handled. I need an attorney who will work pro-bono until we settle (and I do have a nice lawsuit here!). Not only have I been dealing with this, I was told via telephone that I was approved for a loan mod, only to find out 6 weeks later that it had actually been denied! So much fraud!

Posted in Bank of America

Gerber California Bank of America Complaint
May 9th, 2011

I have worked several tines with B of A on the HAMP trial period and they have nothing but stall me and not got back to me to finalize the program. Recon Trust didn\'t properly serve me and canceled the sale 3 times. Only to set the property for sale a third time without notice. The property did not sell so it went back to Fanni Me. I have tried and tried to work with B of A only to get screwed around, myself and their loan servicing people leaving over 130 messages to the underwriter and never getting any answers. I filed BK in Dec. to stop the foreclosure and in Feb. agree to dismiss the foreclose if they would do a new HAMP for me their BK department agreed and requested updated financial. Now I learn that they went behind my back and took the property to sale.

Posted in Bank of America

gibsonia Pennsylvania First Horizon Home Loans Complaint
September 18th, 2012

We purchased our home in 2005 we had a 1st and second mortgage Through First Horizan the 1st loan was a 10 year arm the 2nd a variable rate with market. They sold me to Met Life now Im with Green Treen for my second and nations Star Mort for my first. In looking at my loans the 1st loan has been changed to a 30 Year Interest ONLY loan and my second Mort was locked in at 4.45% which is a lot higher than the going rate. I need some one to help me I never agreed to change anything!!!

Posted in First Horizon Home Loans

Gilmer Texas Chase Manhattan Mortgage Complaint
October 21st, 2012

I went through Chase\'s Home Loan modification that they strung out over 11 months (as they do most people according to reviews) and in the end my loan is several thousand dollars MORE than the ORIGINAL amount, not to mention that I lost over 5 years worth of payments...something they did not fully disclose during this process. Surely someone can see the repeated fraud they continue to commit...

Posted in Chase Manhattan Mortgage

Gilroy California Bank of America Complaint
May 16th, 2011

It used to be Countrywide; didnt want adjustable with negative amortization, but they said that is all could provide even though I had excellent credit;

Posted in Bank of America

Girard Georgia Wells Fargo Complaint
February 18th, 2012

They promised a modification and failed toproduce the documents

Posted in Wells Fargo

Glen Mills Pennsylvania Wells Fargo Complaint
April 5th, 2011

Requested help in June 2010. Believed we were working on a loan modification from 08/2010. Foreclosure documents received in 11/2010. Documents for HAMP received in 11/2010 and submitted in 12/2010. Sheriff delivered papers to home on 12/08/2010. We believed we were working on the mod and foreclosure would be canceled, as no one at Wells fargo indicated the foreclosure was important or a problem. Received date for foreclosure in 2/2011. Loan processes changed 3 times. Documents had to be resubmitted several times. Complaint to OCC in 3/2011. Presidents Office of Wells Fargo approved mod in less than 2 weeks for a higher payment amount than prior to our request.

Posted in Wells Fargo

Glencoe Colorado Bank of America Complaint
December 12th, 2011

On September 20, 2009 I requested a HAMP application. After not recieving it I called again. I was told that the request hadn\'t been recieved. I requested another application in October 2009. After returning the packet all filled out with all requested documents I\'d call to check on the status of my pplication every other week or so. Each time I called I\'d have to go through my living expenses. After several calls I was told by yet another different customer service representative that each time I called it started the process all over. Calls were often connected to an operator in India. They couldn\'t understand me nor could I understand them. I\'d ask to be transfered to an english speaking agent the person wouldn\'t know who transfer the call to. I\'d be left on hold then transfered yet again. CS reps were often rude. I\'d send documents after documents only to be told that due to the volumne of applicant to process documents couldn\'t be processed within the guidelines set by HAMP so homeowners were expected not to qualify for the program. Due to all the mistakes the documents would be lost (?) or B of A hadn\'t processed the document within HAMP time regulations so I\'d have to provide yet again more documents or have to fill out the application and provide documentation over due to the application having an expiration date. With the t urnaround they gave m & all the lost paper work they Bof A finally declined my application for HAMP. I then began the same process with her for their National Home Retention [tphgram. As Though

Posted in Bank of America

Glenn Dale Maryland Bank of America Complaint
November 1st, 2011

I have not gotten any up to date information on this loan.They have turned down my loan modification.

Posted in Bank of America

gloucester Massachusetts Wells Fargo Complaint
June 20th, 2011

I started in March 2009 to get a loan modification. I was trying to do it on my own. I would get letters stating I did not get it because I did not have everything in or they said they did not get everything. I would receive letters that said I had to get the items in within 10 days and I would receive the letter 5-10 days after it was due in so the lender would tell me my file was closed and I would have to send everything in all over again. This went on for months. I finally went to NACA a government agency that was to help people get loan modifications. I started with them around February 2010. They got my auction postpone and in july 2010 they auctioned off my house while in the middle of asking me for conditions over and over. I have a letter from naca stating how they had everything they had requested. The day they auctioned off my home at 2:00 P.M. and the same day at 8:00 PM. They were still asking for conditions; This was added after the hope line talked to Wellsfargo modification department at 8:50 PM /19/10 Servicer Foreclosure Sale date is scheduled for 07/19/10. This is a Fannie Mae loan - a full package is required to request a postponment of the Foreclosure sale date. In order to continue setting this file up for review, we are in need of the following documents: Request for Modification and Affidavit (RMA) completed and signed by all borrowers within last 60 days, 30 days worth of proof of income (paystubs, unemployment, ssi, etc) dated within 60 days, signed and dated copy of the IRS Form 4506T-EZ for each borrower (borrowers who filed their tax returns jointly may send in one IRS form 4506T-EZ signed and dated by both of the joint filers). Also, I found on my recordings that on February 12, 2003 MERS discharged my Countrywide mortgage, it was recorded on April 11, 2003 at the registry of deeds. On April 25, 2003 I refinanced my home and my HUD settlement statement stated, “pay off countrywide” and according to record, it was paid and discharge on February 12, 2003. Therefore I did not have a mortgage to pay. I also feel that wells had not legal right to foreclose on me they do not own the note, and I have requested several times for them to show me the original.

Posted in Wells Fargo

GOLDEN Colorado Chase Home Finance Complaint
May 17th, 2011

I HAVE THOUSANDS OF LINES OF NOTES, DATED TIMES PROMISSES EMAILS AND RECORDINGS OF PROMISSES MADE AND NOT KEPT IT IS A GAME TO MAKE YOU QUIT AND GIVE IN. I AM NOT A QUITER AND WILL NOT PLEASE HELP ME AND MY FAMILY WITH THIS

Posted in Chase Home Finance

Gooding Idaho Wells Fargo Complaint
July 14th, 2012

We started to fall behind because they changed the interest rate up. We contacted them and they said to send in what we felt we could afford and they would work with us and modify the loan with lower interest rate and a fixed rate. This went on for a couple of years! They were always asking for updated information so we sent it. They would tell us something was lostt or not received. This went on for a couple of years and we kept sending them $1500.00 a month all this time. They did not contact us and sold our ome out from under us! I don\'t know where to turn for help. Please help!! They are stolen everything we have worked for!

Posted in Wells Fargo

Gordon Georgia American Home Mortgage Corp. Complaint
June 9th, 2011

I\'m presently in a chapter 13 in order to protect our home from foreclosure.

Posted in American Home Mortgage Corp.

Gorham Maine Bank of America Complaint
March 11th, 2011

This loan was a sub-prime loan

Posted in Bank of America

goshen New York Option One Complaint
August 10th, 2011

QUOTED RATE OF 6.875-LAWYER SHOW WITH 7.25-WAS 1 POINT DEAL LAWYER SHOWED WITH 2 POINTS

Posted in Option One

gosport Indiana Ameriquest Mortgage Complaint
January 9th, 2013

was refused a mortgage adjustment ,they refuse to refinance . was told that id never pay off loan paying only monthly pamment .. i feel like the bank wants me to forclose

Posted in Ameriquest Mortgage

GRANADA HILLS CA 91344 California EMC Complaint
July 20th, 2011

BY 2006 I HAD 5 PROPERTIES AND TEN MORTGAGES ,, REFIED 5-6 TIMES SEVEARL PLACES ALL BAD LOANS NEG AM , CURRENTLY IN A CHASE TAKE IT OR LEAVE IT MOD , LOST TWO HOMES LAST YEAR AFTER TRYING TO MOD IFY W/ WELLS AND EMC

Posted in EMC

Granby Massachusetts Bank of America Complaint
April 28th, 2011

I have filed repeatedly for a modification of my mortgage. Based on the Federally stated guidelines I clearly qualify, the first time I submitted the paperwork the bank lost half then denied me, this time we are going on the 3rd month with still no answer. And I was told that if I pay in excess of my mortgage amount that money doesn\'t get applied to my principal, but instead sits in a \"partial account\" bearing interest for the bank until it matches my monthly payment amt.

Posted in Bank of America

Grand Junction Colorado Bank of America Complaint
November 1st, 2013

OUR ISSUE IS WITH MODIFICATION NOT REFINANCING. We currently have a mortgage with Bank of America. In February of 2013 we signed final loan modification documents with a payment of $898 per month. We made this payment in March and April of 2013. In May of 2013 we received a revised set of final modification documents that stated Bank of America had made a mistake and that the second set of final modification documents were the correct ones and our payment was actually just over $1,500 per month. A week or so later we received a third set of final modification documents, again with a payment of $898. This third set of documents was identical to those we’d received initially in February. At this point we saw an attorney. Our attorney advised that we abide by the third set of documents as they were the most recent ones received. He also stated that because B of A had accepted payments at this amount, we should “stay the course.” Therefore we signed the third set of documents (identical to those in February) and returned them to B of A. We made numerous phone calls to B of A over this time frame. We were told yes, it was a mistake. Then no, everything is fine and our documents (at the $898) were in the final closing stage and just needed to be recorded. We were told multiple times that they were honoring the documents that reflected a payment of $898. Therefore, we continued to make payments at the $898 amount. May and June payments weren’t accepted. We were told this was because they were uncertain how to apply them as their system showed the payments as “short” and that until our issues were resolved, we shouldn’t make payments. Then in July we were told everything was resolved and that we should begin making payments of $898 starting August 1. We were told to mail payments to a P.O. in Dallas, TX. Neither August nor September payments have cleared our account yet. Now as of today, September 30th, we’ve received another package from B of A. Inside was a Loan Modification Summary that again states they made a mistake and our payments would be over $1,500 again. Honestly, Bank of America has no idea what they’re doing! Also, inside the latest package we received was only the summary, no other documents. The summary states no new signatures are required from us. The only modification documents we’ve ever signed are those at the $898 payment amount. We’ve signed two sets of documents at this payment amount. HISTORY/Credit Dispute info: Our credit is showing incorrect late payments with Bank of America. We completed a modification of our mortgage with Bank of America in March of 2011. We had been making trial payments each month since November of 2009. Not only is Bank of America reporting incorrect data on our credit reports during this time frame but our home was almost foreclosed upon in error. Bank of America did a withdrawl of the foreclosure in March of 2011 just in the nick of time. We were then part of a class action settlement where we were awarded financial compensation for this error. We were told our credit would not show a foreclosure or late payments during the trial period. Our reports have yet to be corrected. The only late payments that should be reported on our credit during this time frame are August, September and October of 2009. Then in 2012 we were solicited by Bank of America to do a different type of loan modification because we were “upside down in our home” and due to a medical issue (breast cancer battle) we agreed. We were told their processes had been improved and nothing like what had happened previously would happen again. We began making trial payments on the second modification in July of 2012. Our credit reports are showing incorrect late payments in 2012 and 2013 now also. We’ve also discovered a mistake was made in the program type we were submitted for and we must now start over with the modification process. Our credit reports are not reflecting the trial payments we’ve been making all along during this second attempt at modifying. We are currently disputing this information with Bank of America and are getting many different answers such as “reporting will be corrected once modification is finalized” to “we’ll look into this and get back with you.” We’ve not received a response as of October 30, 2013. Please show all data currently reported under Grady E. Wright 522-43-2549 and Jodie L. Wright 523-13-6490 as being “in dispute.” Sincerely, Grady and Jodie Wright.

Posted in Bank of America

Grand Prairie Texas Ocwen Federal Bank Complaint
December 10th, 2011

My Litton Loan sold my mortgage to Ocwen on 11/1/2011. I beleive they are going to foreclose on the property

Posted in Ocwen Federal Bank

Grand Rapids Michigan Fifth Third Bank Complaint
May 26th, 2011

They tried to work with me. I was given Hud information for a one time offer to help pay up the behind payments provided I could show proof of income eligibility to make the payments. I could they would assist. I was unable to get a job. Bank forclosed. Their legal right.

Posted in Fifth Third Bank

Grand Rapids Michigan Wells Fargo Complaint
August 2nd, 2011

It took a log time for my Modification loan. Highlits of this loan was: $560.48 p.m., 31% down. 2% apr, 5 year fixed, 4.8% after 5 yrs., for 34 years. Mortgage went thru World Savings. Bank of America, Ameriquest, Flagstar, Wachovia and Wells fargo. Do not know who holds original papers. Wachovia does not think I will do good on this modification loan, because most do not! Good luck, anyway, per one of there consultants.

Posted in Wells Fargo

GRANDRAPIDS Michigan Countrywide Complaint
May 2nd, 2011

im with b.a.c homeloans ive tried tme and time again to get a mod.an told i did not qualify..i would call and they would cont.tell me its under review.

Posted in Countrywide

Grass Valley California Countrywide Complaint
February 4th, 2012

they used our money and refuse to modify.

Posted in Countrywide

grass valley California Sun Trust Mortgage Complaint
November 15th, 2011

they sold our loan without notice, meanwhile the year prior to the sale they paid our hazard insurance to both our new and old insurance co. all year 2010. We found out that when the loan was sold the escrow was $2700 negative. Plus the sent us a copy of a check double paid in 2009 for $652 that we never got and they claim we cashed. This was Tower Ins., owned by Allstate. as of yesterday Nov.14 2011 Tower still thinks we have insurance with them. We were sitting at AAA when the agent called and cancelled our policy. 8 mo. later we got a cancellation from AAA for non payment out of our escrow account. We called and it was taken care of that day. They continued to pay both companies, then sold us with a deficiate. Our new lender is demanding a larger paym\'t to make up the difference. I have refused and they are reporting us into the credit agencies as being deliquient. It\'s all in the double payments and they are ruining our perfect hard earned credit score.

Posted in Sun Trust Mortgage

Gray Maine Ocwen Federal Bank Complaint
March 9th, 2011

i have a copy of all docs, just not digital. mortgage orig thru tbw, sold to cenlar during refi, sold to ocwen before mod could start. ocwen denied incorrectly 2 mod requests. working on correcting but they started forclosure and will not accept any $ except full balance

Posted in Ocwen Federal Bank

Grayling Michigan Chase Home Finance Complaint
March 31st, 2011

It has been a nightmare!

Posted in Chase Home Finance

great falls Montana Bank of America Complaint
March 14th, 2011

we refinanced with countrywide to pay down debt and reduce our intrest rate, what we got was a bait and switch, we did not find out untill our property taxes were not being paid,at which time we pulled out the loan docs. and lo and behold what we sighned was different than what we were promised.whenboa took over we inquired about the changes they stated there was nothing they could do. so we asked for a modifacation, in dec 2009 due to med reasons and are still in limbo ...help

Posted in Bank of America

Greenacres Florida Saxon Complaint
September 25th, 2011

I had Nova Star Mortgage and asked for their help, they started to help me and then they didn’t return calls then I received paperwork from Saxon and got through only one time and tried to get help and ended up losing my home after 22 years of homeownership. I also hired an attorney that was suppose to file bankruptcy and messed up . Please help me if at all possible. There has to be something wrong with the way that Nova star was taken over and the people were losing houses….Thank you!

Posted in Saxon

Greenacres Washington American equity mortgage Complaint
June 4th, 2012

This lender repeatedly lied and promised different figures for closing over and over drug my credit score down from running it repeatedly over a four month period of time told me repeatedly not to pay my mortgage as we we closing over and over and brought it down further, had a bogas appraisal come in claiming my house was about 250-300,000 under its value, wouldn\'t use my wife\'s income as income but said her business and credit brought me down so I would have unfavorable terms and I would have to pay them more, had me agree 10 times to different terms then When it was supposed to close would try and change it. Then finally the last go round I agreed to certain terms we went over everything seemed ok then when the closer came to my home it was all different and didn\'t even include the insurance and tax in the payment, plus their company had already changed my insurance company, I am trying to get this cancelled now and fear that I won\'t be able to as this has been a scam all along I feel to drag my credit down and devalue my property and put me in a position where like the lender says I basically have to do it... I have many emails from them claiming different terms and so many different phone calls with different managers etc, some even agreeing that their company has unethically and illegally handled my account... I fear this is a company wide practice and many other innocent consumers stand to be scammed if nothing is done about this...

Posted in American equity mortgage

greenfield Massachusetts Countrywide Complaint
May 15th, 2011

My original Re-Fi loan to countrywide in Aug 2006 went to Deutsche Bank as trustee immediately and I was then denied the right to pay down loan thru partial release/sale of back acreage as promised (verbal-no problem). It was a payoption ARM with the lowest payment being $2000/mo less than interest only with the proviso (also verbal) that \"we\" could simply re-fi again two years down the road. They had apparently been syphoning equity every two years from many for years already. Un fortunately 2+ years later (2008) no refi was possible and I got notice that my payments were set to jump from $3500/mo to $8900/mo. I never in my wildest dreams could have guessed that such a large jump could have been built into a legal instrument even though I knew at the outset that given the no-doc loan I was signing, I could only afford the lowest \"Option\". I/we bout this multi-family property with the intent to build a zero-energy solar village here and expected to be able to sell to a group for that purpose but when the $8900 bill arrived we could not make further payments and everyone else started moving out. I suppose that if we all knew that three years later we would still be holding off the bank we might be building our village already. It seems like there are many options here (but maybe not), the most optimistic being that our mortgage gets canceled and we could offer a large reward in the form of a mortgage to the legal firm winning for us. I\'ve heard of that being done in the past. I\'ve heard a lot of talk and read about demanding the notes etc but BoA, as Servicer wrote, in response to such a request from me, that I had no authority nor did they know of any authority compelling them to provide such proofs. There is a lot more and I apologize if you have already responed in the past to me. I have contacted several other lawyers who have demanded that I put up a lot of money before they will even look at my particulars without offering any evidence or even references to support my confidence that they might successfully represent me. You, however have demonstrated you success and I would love the opportunity to further our contact. This property isn\'t just about me and my private benefits. This is a former Peabody family summer estate (w/12 acres) that should become which is less that a mile from downtown and bus/train and could become a model for sustainable development when/if combined with adjacent parcels. I\'m not sure how much money could be scraped together up front for this. But, it IS a million dollar property with amazing potential for good. Even a case that would stall/buy time for us to gather together a short sale offer (again) would be very valuable. Last Nov BoA agreed to let me sell this property to a group for $570k but it fell through at the last minute largely because of BoA scheagans and the news that Title mIns co were not ins many risky transactions.

Posted in Countrywide

Greensboro North Carolina Bank of America Complaint
March 7th, 2011

See in North Carlina, Guilford County Superior Court Case 10-CVS-4586 documents

Posted in Bank of America

Greensboro North Carolina Saxon Complaint
July 5th, 2012

I WAS DENIED A HAMP LOAN BYSAXON MORTGAGE. THEY WOULD NOT WORK WITH ME TO GET MY MORTGAGE CURRENT. THEY WERE MORE INTERESTED IN FORECLOSING, SHORT SALE OF MY HOME. THEY LIED AND TOLD ME THAT I HAD A NEGATIVE ESCROW BALANCE. I RECEIVED PROOF FROM MY COUNTY TAX DEPARTMENT THAT I NEVER HAD A NEGATIVE ESCROW BALANCE. SAXON NEVER SENT ME A 1098. THEY HAVE BEEN RIPPING ME OFF FOR YEARS. I HAD AN INTEREST RATE OF 11.25. I CONTACTED A CREDIT COUNSELLOR TO GET MY INTEREST RATE LOWERED TO 5.75 IN 2011. I HAVE TRULY SUFFERED BECAUSE OF SAXON MORTGAGE. PLEASE HELP ME.

Posted in Saxon

Groveland Florida US Bank Complaint
August 25th, 2011

In 2007 We were served Foreclosure papers, as soon as we got them we called the Law office of David J. Stern and spoke with Lance Foreman, he told us that he could not tell us anything we would have to contact an attorney and have them contact him. We contacted the mortgage company and they told us they could not tell us anything we had to contact David Stern. We hired a lawyer and had her try and deal with the mortgage company so we could save the house, we were going to use our income taxes to get caught up and get everything right, we have all the paperwork where she was trying to contact him for over 6 months with no response, she then started sending the letters thru the court and then to him with no response from his offices. We went through this for almost a year we ended up selling the house thru a short sale before it went into full foreclosure trying to save our credit. Which it didn\'t. Because the house went for so long with no response it damaged our credit severely. Our credit has been so badly damaged we still can\'t buy a house. I was searching on the internet and saw where there was a Class Action Lawsuit against the David J Stern Lawfirm and was wondering if our case would be able to file with it.

Posted in US Bank

Grubville Missourri Bank of America Complaint
May 16th, 2011

My husband and I were told by Das Aqusition that we would get a better interest rate if my noame was left off the mortgage. My husband died in May of 2008 without a will both of our names are on the title of the property and both COuntrywide and Bank of America refused to speak with me because I did not have an Excutor of a will a letter from probate I fought with them for three years to no avail. Countrywide gave me a MAking home affordable modification but Bank of America claimed they did not have that paperwork. They sold my house back to the bank on April 21 2011 I am still living there and trying to find help in getting the sale overturned

Posted in Bank of America

Guerneville California Washington Mutual Complaint
July 11th, 2012

We filed bankruptcy in Nov. 2010, it was discharged, April, 2011. We filed bankruptcy because we lost our construction business as a result of the bad economy. Construction in CA was the hardest hit industry. Around the time of the bankruptcy we also fell behind on one payment for our property tax and contracted with Chase, who was now our mortgage servicer after taking over Washington Mutual to allow us to make escrow payments with them to insure our taxes would be paid. They in turn caught us up on the payment we fell behind on. At that time we agreed to make over double the amount of mortgage payments to repay them. They decided the payment that we had fallen behind on was also now going to be this increased amount rather than the amount we owed at the time we missed it. Trying to catch up on the payments now which were doubled became very difficult right around the time we filed bankruptcy, but after we filed we were able to get back on track making all our payments on time and in full. Except for the two payments we missed. We tried to work with Chase to catch up on them. but to no avail. About 8 months ago they even communicated to us they would reduce our monthly payments as we were now caught up. And in May we received a notice our monthly payments would be reduced even further. For over a year now, we\'ve been making all our payments on time and in full based on the statements we received. Then in June, 2012 our mortgage payment was returned to us. When I called Chase to inquire why, they told me that our November 2011 payment was for the incorrect amount. Because by their calculations we should have paid more they considered it a non-payment. And because they claim we didn\'t make the November payment, they considered us now in default and would no longer accept any more payments from us. At no time did we receive any communication to this effect after November. I told them the payment I made was for the amount on the statement from them and I had the bank statement and their statement verifying this. I\'ve even sent them copies of both of these statements. We\'ve tried to get them to work out a solution with us to enable us to pay any past due amounts, but they will only accept payments of over $4000 a month at this point. We can\'t do that. And they will not acknowledge our November payment made to them as the correct amount. It\'s been very frustrating. They actually told me I should have called to verify the amount on the statement as the correct amount. Ironically, I actually did do that a couple months before the Nov. statement came and I requested a statement from them showing all the payments made to them and how they were dispursed for our escrow payments. At that time on the phone they verified how much my October payment and November payment would be. I was trying to make sure I was budgeting for the correct amount.

Posted in Washington Mutual

HALLAM Pennsylvania GMAC Mortgage Complaint
March 30th, 2011

I was APPROVED a mortgage by Wells Fargo on March 9, 2007. Apparently they thought my 1400 a month alimony and my SSDI of approx 700 were sufficient income to provide me with a loan for 150k for a 200k house. While I have been paying on time and maintaining my bills, it\'s becoming more and more of a struggle with medical problems, legal problems, cost of gas, food, and other bills rising. I tried several times to do a Loan remodification. Apparently Wells Fargo sold my mortgage to GMAC. GMAC said I didn\'t make enough money to be able to handle payments (HAHA yea right been doing it for 4 years). So I dumped some services, phone, wireless internet, lawn service etc to try to make ends meet. I filed again. This time I\'m not only showing more freed up money, but I have a 200 increase in alimony but bills are still growing. Again they denied me. Why was it ok for a morthgage company to tell me I could afford my loan on less money in 2007 and not now? Why did they buy my mortgage knowing I didn\'t make enough money to maintain a mortgage?? Isnt the purpose of a loan remodification to HELP lower the mortgage to HELP free up some money to help pay for legal bills, medical, and other woes that are ocurring because of this economy??? What\'s wrong with this picture? Please advise me.

Posted in GMAC Mortgage

Hallandale Beach Florida Chase Home Finance Complaint
January 21st, 2013

I would like to be part of a class action against Chase Home Finance. I lost my home due to unscrupulous lending practices by my mortgage broker, appraiser and bank. Thank you.

Posted in Chase Home Finance

Hallsville Texas Chase Home Finance Complaint
May 17th, 2012

I was in BR and case took over my loan told me they would work with me on a home mod in nov 2010 i was told i had to move out my house was to be sold 1/4/11 ans we did.

Posted in Chase Home Finance

Haltom City Texas Wells Fargo Complaint
October 21st, 2012

My Wife and I Moved to Texas in 1984,We purcashed our home 1986 and was told because because of our credit rateing we did not Qualify for lower interest,That once we pay a while They would reduce the interest rate, that never happen, we has ask continuously for interest reduction we only ask for fairness base on what was told us, we now know was a lie. To recieve refiancing we need good credit. which Wells Fargo made sure this could not happen if they saw poor credit in the beginning what they see now is what they help created with this burdensome excessive Rate of 9.5%. WE have conformed to all fees all charges including 9.5% interest. WE have wrote a letter to the Deputy Secretary Department of Housing and Urban Developement,The Honorable Madam Estelle Richman. Her response was for us to comunicate with the Lender,that is not what we want to do, We want JUSTICE. It\'s plain to see we are victims, being African American and over 65 year old and have paid Wells Fargo for over 25 Years paying 9.5%+ taxes, Insurance, Monthly payments of $1.200.00 totaling over $330.000.00, for a home costing only $78.000. We will we ever own it? Plese help if you can Wells fargo is very powerful. We need brave, knowledgable,righteous Lawyers. Help us with one of our pursuit of happiness(Home Ownership) Thank you for your consideration: Robert& Ollie Anderson

Posted in Wells Fargo

Hamilton Montana Bank of America Complaint
April 17th, 2011

It all started about two years ago when i was going to be payed for work 30 days late. I immediately called Bank of America to inform them that i would be able to make the payment but not on time. the BOA associate informed me that they could deferr the payment to the end of the loan but instead persuaded me to apply for a \"new hardship program\" that they were offering.I agreed to do so and gave them the required information for the application. The BOA associate told me that i would be contacted shortly about the application. Two weeks went by and no word from BOA so i called to inquire about the application. the associate then informed me that the application takes THREE TO FOUR MONTHS TO FINALIZE!Even though i was now a month behind, i kept making the payments. I called in every two weeks to ask about the progress. Finally, after 3 1/2 months i got my answer. It was denied, and they couldn\'t tell me the reason why! And the only reason that i found out was the fact that i kept calling them. BOA never called to inform me of anything nor did i receive a written statement.And now i had been 1 month behind for the past 4 months thanks to the \"advice\" or should i say \"misleadings\" of Bank of America!I asked them to deferr the one payment that i had been behind and they told me that they could no longer offer that option.WOW! That was convenient! I continued to make my mortgage payments for the next three months until i ran out of work.I again called BOA to inform them of my situation. they told me that there was nothing they could do.About 6 months went by with me being out of work and when i did finally find work it was for a much lower rate of pay.My wife and i continued to struggle to pay the other bills. Finally when the president started talking about making the mortgage lenders work with the homeowners i called in again to talk to BOA and they had me apply for the Making Home Affordable Program.They sent me an information packet to fill out. I did so and returned it to them promptly! They replied telling me that i had been approved for \"3-trial payments\", but that there was some information missing. I assured them that i had sent the \"missing\" information, but i would \"re-send\" it to make sure.In the initial approval that i received from BOA , it stated that i needed to make the 3-trial payments and then i would qualify for a permanent modification.I immediately started making the trial payments, but about 3 weeks later i received another information packet in the mail with a letter stating that if they did not receive the required information in two weeks that i would no longer be in the MHA program and that the house would go into forclosure. I immediately faxed a copy and mailed a copy ,of the exact same information that i had sent before ,to BOA.After that i called BOA and requested to talk to a manager.Upon talking to him he assured me that my \"packet\" was complete, and that i need not send them any further information.I only needed to keep making the trial payments, which i was doing.Never the less, I kept receiving packets from BOA telling me that they were missing this or that from me and that i was in danger of losing my eligibility for the program. At least half of the the papers that they were missing were things that did not apply to me or my situation, and the other half were things that i had already sent!I called in to talk to another manager and he told me that they needed the same information to apply it to their other programs. So i filled out all of the information that applied to me and sent it to BOA, AGAIN! About a month later this happened again, so i called in again to talk to another so-called \"manager\". I brought him up to date on the situation and he assured me that there was only 1 \"program\" under the Making Home Affordable. SAY WHAT! So, in 3 months, i talked to 3 different \"managers\" about the same situation and got 3 completely different stories from each of them!!!!!! And in the first six months of making the \"trial payments\" we were served with 3 letters of \"Intent To Forclose\". When i inquired about this , i was told that it was \"standard procedure\" and that i needn\'t worry about it!And at the end of the three month trial period i was informed that i needed to keep making the \"trial payments\" until i was notified. When i inquired how long it would take to make it a permanant modification,the associate told me that he had no idea,i just needed to keep making the trial payments. Can you say SCAM? This continued for about a year until i received a letter in the mail telling me that i had to call BOA to make other arrangements for the property. I called BOA to see what was going on and they informed me that even though i had been making the \"trial payments\" the entire time, i had been denied a modification due to \"requested information incomplete\".

Posted in Bank of America

Hamlin Pennsylvania Beneficial Complaint
June 11th, 2011

You can not understand the statements. On Mar 3, I paid 803.08 Pd every mo. since. Now they are saying we are behind by 2,000+ I wrote to the NY attorney general but heard nothing. No matter how much we pay we are never caught up. I received a mod. two years ago and when the oil went up I asked for another this yr. because we did not get an increase in social security and my husband is disabled. My statements nor my payments are ever the same. Last mo I paid 760. which is what my statement said and they put it in unapplied funds because my payment was to be 790. but my statement did not say that. So there again it showed as a payment behind because they said it was not a full payment. There have been times I paid extra and they put it in unapplied funds and would not put it on the principal because it was not a full payment. We just can no keep going like this. The more we pay the more they want. We are senior citizens and we need help please. This is our home but the calls we get from India from morning to night have got to stop. This acct. is so messed up we are ready to give up the house but it is home. We need help so bad please help us keep our home.

Posted in Beneficial

HAMPTON Virginia Bank of America Complaint
October 1st, 2011

THIS WAS A TRASFER FROM COUNTRY WIDE WHO I HAVE THE PROBLEM WITH THEY OFFERED ME A FIXED 4.8 SREAMLINE LOAN NO OUT OF POCKET COST I WAS APPROVED 8 HRS BEFORE CLOSING THEY WANTED 1900 DOLLARS TO CLOSE IT CAUSE ME TO CHAPTER 13 FOR MEDICAL PROBLEMS AND THE STRESS OF ALL THIS

Posted in Bank of America

Hanahan South Carolina Wells Fargo Complaint
April 22nd, 2012

They keep calling me to make a payment.

Posted in Wells Fargo

hanover Pennsylvania Wells Fargo Complaint
March 23rd, 2011

We modified our loan through W.F. After 14 months into the modification,our payments are now MORE than before the mod. and we once again are hanging on by our fingertips.

Posted in Wells Fargo

Harrisburg Select Household Finance Complaint
May 1st, 2012

I got behind on payment\'s due to rough times. They kept calling me all day long, finnally I called them and asked if they can help me. They said that they could put me on a hardship program for around ten months and lower my payment to help me and me being desperate I agreed so I could get caught up with my mortgage. I paid all of my payments on time and some extra. Now I finally built my credit back up and got a good job I tried to get a lower rate with them and they told me that they don\'t do loans anymore. I contacted New Penn Financial and tried to get a loan and found out that I owe $10,000 more than what the pay off is because of deferred interst. I reseached HFC Financial on Google on HFC Deferred Interest Scams and you should see all the bad things they have did. I don\'t think it is fair.

Posted in Household Finance

Hartford Illinois Bank of America Complaint
August 28th, 2012

kept trying to modify resent papers 5 times never reached modifyer on phone just got forclousher papers today

Posted in Bank of America

Hauula Hawaii Bank of America Complaint
December 28th, 2011

Forced to pay $20,250.34 by Jan. 01, 2012 for wind and hail home insurance that I don\'t requested, but Bank of America own orders to charge me by surprise now, after all this years of good standing credit. I do have home Insurance that cover wind also my first Mortgage loan with Country Wide Bk.(BAC latter and paid in with in 4 years)and was covered with same Ins. Co. and my equity fixed 30 yr loan from Oct. 30, 2009 for $100 thousand owed now $57,108.00 and both loans covered by the same Insurance Company and same coverage. if helps I\'m a senior citizen person.

Posted in Bank of America

hawaiian gardens California Washington Mutual Complaint
December 29th, 2011

washington mutual received 35,000. for a pre payment penalty

Posted in Washington Mutual

Hazelcrest Illinois GMAC Mortgage Complaint
June 1st, 2011

In process of foreclosure. Unhappy with them not working with me to resolve issues.

Posted in GMAC Mortgage

Hedgesville West Virginia Wells Fargo Complaint
June 8th, 2011

I have 3 different loans attached to my home. I have tried, with no success, to refinance, to con solidate the 3 to 1 loan @ 1 rate. I have made all my payments on time for 7.5 yrs. Wells Fargo won\'t work w/ me. Not even Streamline the first. I was told, by a modification person, \"I\'d be better off if I was behind. I screwed for doing right

Posted in Wells Fargo

heilwood Pennsylvania Bank of America Complaint
March 20th, 2013

Tried for several years to modify loan BOA would not move on it untill i did not qualify

Posted in Bank of America

Helendale California wells fargo / sps / western capital mortage Complaint
March 4th, 2011

we have a foreclosed sale date set for 3/23/2011 seeking to get it stoped asap

Posted in wells fargo / sps / western capital mortage

Hemet California Accredited Home Lenders Complaint
February 22nd, 2011

I applied 2 years ago for a modification. I was told to NOT make payments inasmuch as they would not be accepted. I went through family loss and then disability and my finances became a challenge. Over the last 2 years I HAVE DONE EVERY SINGLE THING CITIMORTGAGE HAS INSTRUCTED ME TO DO, I am now behind over $50,000.00 dude to their incompetence. Citimortgage has lost my paperwork several times, sent me wrong information and came right out and told me that my file is such a mess, know one wants to deal with it (conversation dated and representative noted). I have applied 6 times and each time they loose paperwork, send me letters for paperwork already sent. I have over 150 documented phone calls and who and what was said. I was told again on February 7th 2011 that I qualified for a modification and that the sale date of my home would be postponed. There have been several communications with Citimortgagte since 2/7/11, all documented. My home is to be sold on February 28, 2011. I spoke to a Manager this morning and have to start the process of the modification all over again. I dont know what else to do, this has caused me immeasurable stress and financial harm. I have everything documented.

Posted in Accredited Home Lenders

Hemet California Countrywide Complaint
February 28th, 2011

March 3rd is the time limit that the bank gave us to payoff the late fees ect.

Posted in Countrywide

Hemet California HSBC Mortgage Corp. Complaint
December 8th, 2011

I was making payments that were not recorded by the bank but I paid electronicly so I have receipts of all payments. I was never approved for any modification after the bank told me to fall behind in payments I only fell behind 2 payments before they started foreclosure

Posted in HSBC Mortgage Corp.

hemet California NationStar Mortgage Complaint
December 2nd, 2011

our hamp was supposed to be at underwriters and they sold our home witout our knowledge.i have the homestead act recorded on my home .they just sold it without our knoledge.

Posted in NationStar Mortgage

Hemet California Wells Fargo Complaint
April 29th, 2011

This is a Reverse Mortgage to my Mother Gladys A. Call. I am the executor of the estate. The loan amount is $544000 and my mother was suffering from Dimentia at the time of signing. Wells Fargo paid off the original Reverse mortgage of $185,000 and gave her $70,000. The house never appraised for anything close to $544000. I think this is a scam by Wells Fargo to steal money from FHA and from my Mother. My Mother passed away 1/13/2010 and I am the executor of the estate.

Posted in Wells Fargo

Henderson Nevada Bank of America Complaint
July 3rd, 2012

We were foreclosed upon but have had it postponed.

Posted in Bank of America

Henderson Nevada Countrywide Complaint
September 5th, 2011

We called Countrywide in November 2009 and asked if they would work with us. They told us we had to miss 6 months payments before they would consider anything. We kept making payments until Jan 2010 and then stopped, BofA ignored us so we quit making payments on the advice of an attorney. In June 2010 BofA auctioned the properties and they were sold. Our credit is ruined.

Posted in Countrywide

Henderson, Nevada Bank of America Complaint
May 27th, 2011

In Sept. 09 I started working with BofA on a modificaiton. They said it would e 3/4 months. They took my modified monthly payments until March 2, 2011 at which time they refussed the payments and said no modification was forthcoming. They also said our only recourse was foreclosure or short sale, prior to foreclosure. I made the monthy payments as requested all those months and every month I would contact BofA by phone and was told they were still reviewing and to continue making the monthly payments as agreed in the modificaiton paper work. I wrote them, called them and tried on a number of occasions to get answers from them during the 18 month process.

Posted in Bank of America

Hephzibah Georgia Generations Mortgage Complaint
January 1st, 2014

Generations Mortgage used deceptive and aggressive tactics to lure my late father with an 8th grade education into taking out a reverse mortgage. Documentation shows that Generation Mortgage used an inflated and fraudulent appraisal in the reverse mortgage process that has my father’s home that was built in 1941 with no major interior upgrades being compared to homes that were totally upgraded so they could inflate the value of my late father’s home which did not even meet HUDS minimal Guidelines. The house was infested with termites and faulty wiring and on 12/18/13 was involved in an electrical fire. Since my father’s death I have suffered both mentally as well as financially concerning my ability to act as maintenance and savior of a home that was fraudulently appraised at $48,000.00 that I could not even get a loan for 8th of that amount for. We would appreciate any info or assistance we could get in dealing with this matter.

Posted in Generations Mortgage

Herriman Utah Ocwen Federal Bank Complaint
June 6th, 2011

Fraudulent loan modification

Posted in Ocwen Federal Bank

hesperia California Bank of America Complaint
May 25th, 2011

In 2007 Countrywide modified my loan without explaining to me the dire ramifications of it. I then applied with NACA to assist me with a loan modification which was approved in 2009, but only on my first loan, not my 2nd, which still made my loan payment unaffordable. I have been battling B of A ever since and have just been denied a loan modification again, as they acknowledge that the 2009 mod was done with errors but I now have 2 loan mods in my file.

Posted in Bank of America

hidden valley lake California Countrywide Complaint
September 2nd, 2011

country wide gave me a loan mod. i never missed a payment before or after the mod. bank of america took over after 8 months. they said my loan mod was no good and that I was only making partial paymnts.i went through several new mod attemps with them. but they would not give me one. now my home is in foreclosure

Posted in Countrywide

HIGHLAND California Indymac Bank Complaint
May 16th, 2012

We have tried to modify on two different occasions--the documentation requirements are RIDICULOUS and the second mod was denied for some arcane reason.

Posted in Indymac Bank

hilliard Florida Chase Home Finance Complaint
July 7th, 2012

i would like to refinance our home under harp 2.0 loan program our home is secured freddie mac and we met all the qualifiaations for this loan program .but we own a mobile home and the bank will not refinance mobile home .the harp loan is for everybody that qualification for it .i feel like i am been dicrimination aganist for are mobile home . can i file a law suit againt bank

Posted in Chase Home Finance

hillsboro Texas Bank of America Complaint
November 3rd, 2011

I originally had metrocities mortgage then they sold my mortgage to coutrywide who later sold it to bank of america who later passed it to a different park of bank of america.ive been trying to pay what im behind on but the balance never goes down on their end.theres times they even deny receiving payment after I got a letter fromthem accepting it.i really want to get caught up but they make it impossible.i got changed to so many different mortgage companies that its unreal.

Posted in Bank of America

hillsborough New Jersey Bank of America Complaint
March 30th, 2011

I was put on a trial mod. program in jan. 2009... 1 year later I was notified of denial in the program. I was 2 pays behind then after trial mod. program..almost 3 months. Ive pd them an extra 600.00 on my mortgage from jan, feb. after rec. notice to foreclose. Now I am a little less than 90 days past. They took 1 year to deny modifaction so they could fuck me up the ass. I sent them documents on march 15, 2011 to apply for an alternate modifaction program in house. Have not heard the decision

Posted in Bank of America

Hoiday Florida Citimortgage Complaint
August 15th, 2012

I asked for a loan mod and was foreclosed on without ANY NOTICE AT ALL, while waiting for the short sale to be approved. I found out when a neighbor called and told me people were removing my possessions from the house. I was in Florida at the time.

Posted in Citimortgage

Hollis Center Maine American Home Mortgage Corp. Complaint
May 23rd, 2012

Last I knew, my foreclosure was on hold......A gentleman from York County Community Action, here in Sanford Maine, made me aware that my Mortgage had been Robo Signed.....I am so confused. I don\'t know what to do.

Posted in American Home Mortgage Corp.

hollister California Countrywide Complaint
September 12th, 2011

I belive that country wide gave me loan to set me up to fail

Posted in Countrywide

Holly Hill Florida Wells Fargo Complaint
October 21st, 2011

APA

Posted in Wells Fargo

Holly Springs North Carolina Fremont Investment & Loan Complaint
December 2nd, 2011

Started with Fremont Investment and Loan paid on time 4 years but then they sold loan to Litton who added unexplainable fees and refused to accept payment without fees. Harassed us came to the house. Tried to get `7000\' fees re worked into the payment but they refused. Sent back payments and then things got worst. We did not know what to do so we filed Chapter 7 after trying to modify and getting refused every time. After Chapter 7 was discharged. They added an additional fee and just last month sold the loan to Ocwen. Ocwen sent two bills (we had two mortgages) one at 12.7% and the other at 8.7% that said pay 24000 now. Yet when I called they stated we had a modification in place unknown to us but it made the payment more not less. Very inconsistent information. Fremont is the holder of the deed of trust but they surrendered their licensure in NC in 2007 and there is no way to contact them. Found out Litton bought out the company. Dont know what to do. Ocwen said they would modify but sent a letter of denial without any formal request to apply for modification.

Posted in Fremont Investment & Loan

Holmdel New Jersey Wells Fargo Complaint
April 11th, 2012

I was given a pick a payment loan, which I knew much later, I did not really need a loan I only had an equity loan for about 100,000 I could not afford a loan that is the reason they gave me pick a payment loan, I did not know any thing about.

Posted in Wells Fargo

Honeydew California Ocwen Federal Bank Complaint
March 22nd, 2012

Ocwen posted any notices on the door and did not hand deliver any notices to me at all. They lied to me when I had a witness to prove that they said what they said. They are lying and making thing really difficult for me. Please help.

Posted in Ocwen Federal Bank

Honolulu Hawaii Chase Home Finance Complaint
June 15th, 2011

foreclosure lawsuit filed; now on hold for 2 years

Posted in Chase Home Finance

HOPEWELL Virginia Bank of America Complaint
July 29th, 2011

It is my belief and opinion that Bank of America illegally foreclosed and forced me from my home. I had a signed and modification agreement with no stipulations on any trial payments defaulting this agreement. Although I remained current on my modified loan payment, Bank of America via telephone advised me that the investor did not accept the modification. after 5 months of making modified payments, Bank of America reneged on their legally binding contract with me. I have subsequently been foreclosed on and have left the home. I do not believe Bank of America has been held accountable for the uprooting of my family, the stress, illness and damages they have caused me and my family. We honored their agreement but they were still able to steel our home from us.

Posted in Bank of America

Hotchkiss Colorado Chase Complaint
May 12th, 2012

I have had 5 different foreclosure dates that they never followed through on. I was with Wamu and Chase bought them. I was in a loan modification and when they bought Wamu out they would not work with me. It has been two years now.

Posted in Chase

Houston Texas Bank of America Complaint
April 4th, 2011

Trying to get a modification for over a year,keep doing the same paper work over and over with no results

Posted in Bank of America

houston Texas Chase Complaint
May 28th, 2011

I was told they had no HAMP program and I had to be late to qualify for the modification, I had NEVER been 30 days late before this, the last maybe of the trial date I was told they did not receive it in time. I feel they held the funds and did not apply until after the required time. the funds could only be sent to a P.O. Box so borrowers could not verify, there should have been an address that we as borrowers could have or could send in payment via certified mail.

Posted in Chase

Houston Texas Countrywide Complaint
September 3rd, 2011

Horrible!! I have been trying to modify my home loan with Countrywide/BoA for almost 3 years now. I feel like I was mislead with certain circumstances in regards to my original loan. Also, I have been given the runaround from BoA, by them telling me that they could not modify my loan because I was current. They said I needed to be behind on my mortgage for them to help me. Then, in the past 2 1/2 years, I was told everything to I was approved for a modification at 2 percent, to it was a mistake and I didn\'t qualify, to it\'s under review, and many other numerous things... I have a sale date of October 4, 2011. I am trying to do whatever I can to stay in the property, however I just don\'t know what else to do, except seek legal action for all the pain, suffering, and distress that Bank of america has put me through.

Posted in Countrywide

houston Texas GMAC Mortgage Complaint
June 14th, 2011

in the past 2yrs we have been in forclosure 4x and never offered a way to get out of it my husband had to ask about ways!

Posted in GMAC Mortgage

houston Texas New Century Financial Now Carrington Mortgage Services Complaint