Consumer complaint received 2018-04-16
Company: BWW Law Group, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are encountering a problem with BWW Law Group that I believe is of sufficient severity and impact to require the enforcement actions of the Consumer Financial Protection Bureau ( CFPB ). These are problems that never should have started, should have been stopped a long time ago, and are still happening right now in spite of endless consent orders ordering them to stop their behavior.

BWW Law Group has been attempting to illegally foreclose on our home in spite of the fact that they are dual-tracking us, as well as violating numerous other laws, regulations, and consent judgments by their actions. No legitimate modification process adhering to the mandatory rules and calculations has ever been completedforcing us to repeatedly submit modification packages that are continually mishandled. BWW Law Group continues to attempt to foreclose on us while we have an active modification application with the loan servicer.

The problem continues to increase in severity due to a complete inability to communicate with the loan servicer that ostensibly directs the actions of BWW Law Group. BWW Law Group is currently attempting to sell our home on XX/XX/XXXX, while the loan servicer continues to fail to answer its phone and return any messages. Our inability to have live contact with the servicer at this critical time is illustrated by the call record as follows : 9 calls now : 1. ) Tuesday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 2. ) Wednesday XXXX XXXX XX/XX/ NO ANSWER, NO RETURN OF MESSAGE 3. ) Wednesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 4. ) Thursday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 5. ) Thursday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 6. ) Friday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 7. ) Saturday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 8. ) Saturday XXXX XXXX XX/XX/XXXXNO ANSWER, NO RETURN OF MESSAGE 9. ) Saturday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE We really need help to put a stop to this. It is essential that people be able to communicate with a live person when the servicer and its agents are attempting to illegally sell their homeespecially when it is illegal. We dont even know if BWW Law Group actually has any instructions or any authority to pursue any foreclosure actions. A previous attempt to foreclose on us appears to have been an intentional action that was not authorized by the servicer. This dubious event requires further investigation. We have to know what is going on in this situation. We have been continually fighting these problems with BWW Law Group, and the situation just keeps getting worse. 

The actions of BWW Law Group have resulted in a number of lawsuits brought by the Consumer Financial Protection Bureau ( CFPB ) for problems like this, and they are legally required by court orders to handle these issues properlyand to not do what they are again doing right now. This problem is very serious and they are in clear violation of the law. They are ignoring numerous laws and consent orders. The CFPB must enforce these laws and orders. These illegal actions by BWW Law Group must be stopped immediately by any means necessary. The CFPB must take action to put a stop to this insane situation. No American citizennor anyone else for that mattershould have to go through this kind of experience in a civilized society.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation