Consumer complaint received 2015-09-17
Company: CIT BANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) Work ( XXXX ) XXXX ( XXXX ) Cell ( XXXX ) XXXX ( XXXX ) Work ( XXXX ) XXXX ( XXXX ) Email : XXXXXXXXXXXX & XXXXXXXXXXXX XXXX, XXXXConsumer Financial Protection BureauXXXX XXXX XXXX, XXXX, DC XXXXDear Madam/Sir, We need your help regarding our loan with OneWest Bank/IndyMac Mortgage Service. The bank contact us regarding getting a loan modification back in XX/XX/XXXX and XXXX. I spoke with a XXXX XXXX regarding our loan and the problems we had with making the last trial period with our loan modification that was approved. We had only XXXX more payment to make. We contact the bank every week on the status on when we will make the payment. The bank informed us just make it before the XXXX of the month. When we went to make the payment the bank said no, we ca n't accept the payment. We informed that we spoke with customer service a couple of time, customer service informed that was fine. On XX/XX/XXXX I received a loan modification package from XXXX XXXX, I spoke with him he informed me to fill out the package as soon as possible for the 12 months period. We emailed the package with all documents on XX/XX/XXXX twice to the bank once at XXXX and then at XXXX ( Please see attachments ) with a message to inform that we are waiting for tax person to email us our XX/XX/XXXX years. And we also called once or XXXX a week to update them on the status of XX/XX/XXXX tax returns. The bank contact us again to inform us had to make some corrections on XX/XX/XXXX, on XXXX XXXX we email ( XXXX ) and fax the corrections. No one from the bank help us fill out the loan modification package to make sure that everything Is correct or brief us on loan modification programs. The bank said loan modification department did not received package and document, to them yes you did I have the emails to show and fax. The customer service person to email package again to his manager and we did. The customer service never informed to email the package to an manager just to the email address that you received application. 


On our letter bank did not ask questions or go over the information with us. On Tuesday, XX/XX/XXXX I called the bank ID # XXXX informed us that we did not get a loan modification approved and that our home is in foreclosure status. I ask why, she did n't tell me. I asked her for all of the documents from the loan modification so we take it to Consumer Financial Protection Bureau to review documents and the approval steps, she NO, that bank will not release ANY documents. I told her that on yourapplications and letter, it does n't say that all documents that are submitted to OneWest/IndyMac bank will not return or release. We feel that bank was not helpful with us and is not trying to help keep our home. I think the bank is playing games with us. Every time I speak with someone it 's something different. Can you do the following : A forensic Audit on my Loan and Loan Modification application Request all documents from OneWest/IndyMac Bank Open an investigations on this request Policy on all loan modification programsI hope you can help keep our home. 


Thank you, XXXX XXXX and XXXX XXXX XXXX XXXXAttached XXXX emails to OneWest Bank All documents Loan Modification Applications

Company response to consumer: Closed with explanation