Consumer complaint received 2017-02-22
Company: CIT BANK, NATIONAL ASSOCIATION
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX - My husband and I refinanced our home with Indymac bank. 
XXXX XXXX, XXXX - My Husband left and filed for Divorce XXXX XXXX, XXXX - Notified all Original Note/ Mortgage papers were lost, we need to sign new ones. 
XXXX XXXX, XXXX - Divorce final, husband to Quit claim deed. 
XXXX XXXX, XXXX - Husband file quit claim deed- recorded in XXXX County IA . 
XXXX XXXX, XXXX - Notified I am in default of mortgage agreement told to come in and sign copies of lost Note/ Mortgage. 
XXXX XXXX, XXXX - Sign as Single person copies of Original Note/ Mortgage pointing to Copies of Original Note/ Mortgage. 
XXXX XXXX - Second Mortgage sold to XXXX. 
XXXX XXXX - I do Loan Modification with Indymac - Just me. 
XXXX XXXX - I do Loan mod with XXXX - from ARM with Balloon to Fixed mortgage at 2 %. 
XXXX XXXX - FDIC shuts down Indymac. 
XXXX XXXX, XXXX - One West bank buys my first mortgage fromFDIC. 
XXXX XXXX - XXXX XXXX - Working with One West Bank on Loan Mod. 
XXXX XXXX, XXXX - One West Files to Foreclose. 
XXXX XXXX, XXXX - I file Chapter XXXX BK to protect home. 
XXXX XXXX I Dismiss Chapter XXXX Bk and file a new Chapter XXXX BK to lower payment amt to Trustee. 
XXXX XXXX - One West sell serving to XXXX. 
XXXX XXXX - One West attempts to lift stay. 
XXXX XXXX - I retire due to health problem at XXXX years old. 
XXXX XXXX, XXXX - Convert Chapter XXXX BK to Chapter XXXX BK. 
XXXX XXXX, XXXX - All debt discharged except federal student loan, back taxes and any " VALID '' liens or Mortgages. 
XXXX XXXX, XXXX - Still making payment to XXXX. 
XXXX XXXX, XXXX - Start Loan Modification with XXXX. 
XXXX XXXX, XXXX - Approved to have permanent Loan Modification. 
XXXX XXXX, XXXX - No papers for loan modification told Original Note/ Mortgage papers problem ( missing ). 
XXXX XXXX, XXXX - Sent, copied, Signed copied, Returned, Receive Copies, Recorded in XXXX County, papers replaces, renumbered, etc. compared to what I signed. 
XXXX XXXX, XXXX - XXXX Stated after fees, adjustments and payment applied 8 months behind and want {$8000.00} and will still be behind XXXX payments loan went from balance of XXXX, to XXXX 18 years remaining to 40 years remaining. 
XXXX XXXX - XXXX XXXX, XXXX - Working with Iowa Attorney General 's Office - no help. 
XXXX XXXX, XXXX - Can not pay {$8000.00}, XXXX said they would still work with me, no they pushed the loan to XXXX. 
XXXX XXXX, XXXX - XXXX with XXXX Attorney filed XXXX XXXX XXXX XXXX waited until {$1800.00} and XXXX XXXX, XXXX ) he did not understand the problem. 
XXXX XXXX, XXXX - He attorney dismiss Chapter XXXX BK because I needed an furnace and no one lend money with a current BK. 
XXXX XXXX, XXXX - Met with Title Attorney. 
XXXX XXXX - XXXX wants {$25000.00} to bring loan current or foreclose etc. 
XXXX XXXX - Title Attorney requests mediation after the first of the new year XXXX XXXX. 
XXXX XXXX - XXXX transfers loan to XXXX. 
XXXX XXXX - XXXX send papers to Title Attorney statement, welcome letter etc. 
XXXX XXXX - Title Attorney request proof of Note / Mortgage from XXXX. 
XXXX XXXX - XXXX sends false paper work to Title Attorney. 
XXXX XXXX, XXXX - XXXX files in XXXX County, XXXX transfers of mortgage. 
XXXX XXXX, XXXX - One West to XXXX XXXX XXXX, XXXX - XXXX to XXXX XXXX XXXX, XXXX - XXXX to XXXX. 
XXXX XXXX, XXXX - XXXX sells serving rights to XXXX XXXX. 
XXXX XXXX, XXXX - I find out XXXX now has servicing from Home Insurance statement of new Loss Payable. 
Big Question How do I get my Wild Title to be Quiet, I do I get help to do this, the Servicers, just keep moving the paperwork. 
Original XXXX XXXX loan Number :XXXX I have been suffering with this problem for over 11 years, I ca n't sell my house, borrow against my office, I need a new roof, it 's leaking, if I die my husband and children ca n't inherit the house with a clear- good title. Please Please Help me thank you.

Company response to consumer: Closed with explanation