Consumer complaint received 2015-06-30
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (OH)

My XXXX home was damaged on XXXX XXXX, XXXX by an out of control vehicle. Due to circumstances beyond my control, I was forced to be evacuated from my home for more than a year. I suffered inconvenience ; disadvantages ; discomforts ; and unnecessary difficulties, while a contractor who was hired and paid by your company was supposed to rebuild the XXXX floor of the house, which was almost totally destroyed ; was supposed to repair any and all damages to the XXXX floor ; and was supposed to repair any and all exterior damage, including damages to the very foundation of the structure .Your company, as well as your contractor and anyone else involved, were all made aware that when the vehicle flew through my house that it shifted the house off of its foundation. However, my insight was neither welcomed and/or addressed. But once I had re-occupied my home, by XX/XX/XXXX rainy season I had no choice but to contact your company in a letter dated XXXX/XXXX/XXXX, accompanied by photographs, addressing this unacceptable situation. ( Please See Attached ) Now it has been XXXX months since the vehicle accident and the basement situation has been exacerbated exponentially. As previously stated, the basement fills with mud and silt whenever it rains and/or when the snow melts. It began at a somewhat manageable rate, but as time goes on it was increased dramatically - it now covers your feet if it rains for XXXX days. Visual investigation reveals that the foundation has crumbled away even more now and has fallen in causing the adjacent driveway to crack and deteriorate with holes large enough to peer down through to see that dirt has been displaced. You can see that underneath the pavement of the driveway is hollow. Were it not for the rebar in the foundation of the driveway it would have caved in already. It should immediately be torn up, refilled with about XXXX inches of rocks and gravel, then re-paved. This active hazard is a situation that poses a threat to life, health, and property. There is eminent risk of harm to individuals and damage to property other than the house and land. I am afraid that either my vehicle is going to fall through the driveway pavement or someone walking through the driveway XXXX fall and be injured at any time. I am XXXX years old and have had to have my XXXX, thus I am XXXX. This Friday on XXXX/XXXX/XXXX I am scheduled for yet another XXXX. Because I XXXX, I am vulnerable to the inherent risk of parking my vehicle in this unsafe area. I am afraid that one day the pavement may give way and my vehicle may suddenly go crashing through the unsupported driveway, injuring me and damaging the vehicle. 
The basement houses my washer, dryer, and XXXX ( XXXX ) freezers. Therefore, I and/or my care giver ( s ) must go into the basement often to wash, dry clothing and retrieve food. When it is wet outside the basement floor is extremely slippery and unsafe. Additionally, my appliances have been damaged by the constant barrage of mud, slush, and muck. During each rain the dirt beneath the driveway turns to mud and continues to wash away from underneath the driveway and flow into the basement taking with it silt and crumbled pieces of concrete from the foundation. I am an XXXX year old XXXX with several physical problems including a XXXX problem. I am sick and tired of trying to find someone and paying them to clear the mud from the basement, haul it up the steps, and scatter it back on the outside. To try to put the mud back under the driveway would make no sense whatsoever. As a XXXX on a fixed income I am doing all that I can to maintain YOUR property. However, I am unable to make the repairs necessary to upgrade the current situation from dire to tolerable. I am tired, XXXX, XXXX