Consumer complaint received 2015-07-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (LA)

XXXX XXXX, 2015Complaint Number # XXXX Number # XXXX the Consumer Finance Protection Bureau : I have written letters to all of my congressmen. I only have the support of XXXX XXXX, who advised me to contact you since I do not agree with the findings of the bank that foreclosed on my home and file a FORMAL COMPLAINT. I have contacted One West Bank XXXX times and the last letter basically said " we decline to readdress these issues and reserve the right to not respond to overly-broad or unduly burdensome requests ''. The reality is in each letter I wrote, explaining my grievances ; OWB avoided the issues and only addressed the issue of MY INCOMPLETE HAMP applications, missing documents, and letters of denials. I did on several occasions send in complete applications, & yet there were always missing documents, as per One West Bank-their word against mine. We did save some fax confirmations though and hopefully they coincide with one of the many times they said we did not provide the proper documentation to meet the " Hamp government guidelines ''. The representative assigned to my case, XXXX XXXX, wrote a detailed letter telling me how many times I did not meet up to the GOVERNMENT guidelines & yet I happen to find a HAMP Servicers Handbook, which states clearly GOVERNMENT guidelines OWB must adhere to in order to remain an approved HAMP servicing bank. I also have a copy of the Consent Order that stated clearly GOVERNMENT rules that OWB must adhere to. This judgement was set up to protect the rights of borrowers, since banks had violated so many of the borrower 's rights prior to the courts setting up these rules. All of XXXX XXXX 's dates and issues are irrelevant to my grievances against this bank. I AM A BORROWER WHO WHOSE RIGHTS WERE VIOLATED. I WANT JUSTICE AND RESTITUTION!!! Why should I have to adhere to GOVERNMENT guidelines & yet OWB is above the law & DID NOT ADHERE TO THESE RULES AND GUIDELINES??? My grievances are all based on the XXXX documents that have in writing several key issues that OWB violated, which could have made a complete difference in the outcome of my case. 
1 ) Not being assigned a single point of contact, who should have reached out to me throughout the process until an agreement was reached & the objection being to avoid foreclosure & be offered other solutions including an in house loan modification. XXXX XXXX listed the dates the letters were sent, yet failed to provide a name. IF she or he existed why not state their name? 
2 ) Dual Tracking. XXXX XXXX listed the dates of applications and denial letters, and how many times Sheriff Sales were cancelled. Yet listed no dates of cancellation. IF any were overlapping this would be dual tracking. 
3 ) Lies about missing documents, when in fact we faxed everything they asked for unless we could not provide it & wrote a letter of explanation pertaining to the reason it was not available. They drug this process out for years until they drained my equity with inflated legal fees, & back notes with late fees. 
4 ) The courts require the holder of the original note be listed on the judgement. My loan was privately held by an investor, XXXX XXXX Bank, yet the last judgement listed OWB. 
5 ) Improper service. The Sheriff Officer that served my paperwork for the eviction to a XXXX old child. 
I will NOT go into OVERLY BROAD or OVERLY BURDENSOME issues. I want a resolution that is fair to me. The banks have the upper hand. I signed paperwork that protects their interests & they know it. How dare OWB use legal terms to accuse me of bringing up issues that are excessive, unjustifiable, & burdensome. The XXXX XXXX states burdensome as difficult or worrying to bear or deal with. Each & every issue I brought up in my case is necessary to show their complete disregard for my rights as a troubled borrower in a poor economy. CONTINUED