Date Received: 2018-02-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I say this every time I turn in a complaint ... i don't know why I am bc you won't do anything about it ... short and sweet ... im adding to ocwen fraudulent paperwork ... in which they are suppose to be checking on and of course nothing ... they sent me answers ... yet again to something different ... but I will add it to my govt list and the judge too ... aling with the other answers I am waiting on ... how is it that gmac went out of business in XX/XX/XXXX ... but ... assigned my mortgage to ocwen in XX/XX/XXXX????
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have tried to work this out for many years this loan is my second mortgage, but we have been trying to work with Ocwen Loan Servicing our Second Loan. Ocwen has put our home in foreclosure with a sale date. We have a first mortgage this loan is in second position. They want us to pay them as of XXXX XXXX the payments they wanted in a lump sum of {$290000.00} This second mortgage is constantly putting us in foreclosure. We really need your help. They will not work with us. They will not give us a workout for this loan or modification. This second mortgage is subject to our first mortgage with XXXX XXXX.
Company Response:
State: NY
Zip: 118XX
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This is to inform you that XXXX XXXX, XXXX XXXX AS TRUSTEEFOR MORTGAGE PASS THROUGH CERTIFICATES, XXXX XXXX XXXX, Filed a Lawsuit in XX/XX/XXXX against my property which is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Claimed that they acquired the mortgage from XXXX XXXX XXXX XXXX XXXX in the amount of {$200.00}, XXXX to be the creditor to whom the debt is owed by those individuals who are obligated under the promissory note and mortgage, and the case number XXXX was voluntary dismissal in XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX AS THE TRUSTEE FOR THE HOLDERS XXXX XXXX XXXX XXXX XXXX XXXX, MORTGAGE PASS=THROUGH CERTIFICATES, XXXX XXXX XXXX XXXX XXXX XXXX filed another Lawsuit again case number XXXX. The lender listed on the mortgage attached to the complaint is the Originator. The plaintiff alleges that the plaintiff is the owner and holder of the promissory note .The note submitted shows that another party is the owner. The plaintiff failed to produce an assignment that would illustrate that the plaintiff was legally assigned the mortgage and is the true party at interest. On XX/XX/XXXX received notice of assignment, sale, loan number XXXX or transfer of servicing rights. Stated that you are hereby notified that the servicing of your mortgage loan, that is, the right to collect payments from you will be assigned, sold or transferred from XXXX XXXX XXXX XXXX to Ocwen Loan Servicing, LLC, and effective XX/XX/XXXX On XX/XX/XXXX received Delinquency notice from Ocwen loan Servicing stated that you are late on your mortgage payment as XX/XX/XXXX, you are 1912 days on your mortgage loan. Your account first became delinquent on XXXX XXXX. Failure to bring your loan current may result in fees and foreclosure-the loss of your home. On XX/XX/XXXX my attorney XXXX XXXX sent a letter to Ocwen loan servicing to provide verification of the debt owed. Ocwen loan servicing never respond to that letter instead Ocwen denied receiving the letter. On XX/XX/XXXX Ocwen fraudulent foreclosed my properly. On XX/XX/XXXX received an apology letter from Ocwen stated on XX/XX/XXXX Ocwen incorrectly foreclosed my property. They sincerely apologize for any inconvenience this may cause. On XX/XX/XXXX received a delinquent status of the loan from Ocwen stated that the foreclosure proceedings were initiated on the property on XX/XX/XXXX. On XX/XX/XXXX, the foreclosure proceedings were completed and the property was conveyed to Real Estate owned ( REO ). Please be advised that on XX/XX/XXXX the holder of the XXXX XXXX XXXX XXXX, filed an emergency motion to cancel and reset the foreclosure sale and was granted by the Judge. On XX/XX/XXXX Ocwen loan servicing stated that Ocwen is the owner or loan servicer and Ocwen has authorized the withdrawal of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX as its counsel for every case attached exhibit, and has retained XXXX XXXX XXXX. Ocwen also stated that the investor/owner Name : XXXX XXXX XXXX, XXXX XXXX, as the Trustee for mortgage pass-through certificates, XXXX XXXX XXXX loan # XXXX, INCLUDING AN INVESTOR Loan # XXXX. On XX/XX/XXXX received a Loan modification From Ocwen loan servicing in the amount of {$220000.00}, plus a balloon payment in the amount of {$150.00}, XXXX, Ocwen stated that they received an escrow payment on XX/XX/XXXX in the amount of {$5.00}, XXXX, which not true ... Furthermore Ocwen loan servicing fraudulent created multiple fake payments history including escrow accounts. The evidence will show that Ocwen loan servicing does not own the mortgage or note, the evidence will show that XXXX XXXX does not own the mortgage or note, neither XXXX XXXX, the evidence will show that Ocwen loan servicing does not respect the Law, the evidence will show that Ocwen continue to lie over and over again, and get away with it. Please see all attachments below for details. Thank you.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2018-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I Late Dates : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the same account reporting multiple times and hurting my score. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX/XXXX XXXX XXXX Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. I appreciate your time and attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2018-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: For many years Ive suspected that my loan balance has been misrepresented by Ocwen Loan Servicing ( OLS ) based on payments that Ive made for the life of the loan. I admit that I have run into financial difficulties for more than a 1 years, and was unable to pay my mortgage due to an unexpected separation between myself and my wife. Once things began to finally stabilize financially for me and I was able to secure a solid employment and regular earnings. I began to review old OLS, accounting records for my loan. It was at that point that I realized that my account summary carried vary flagrant discrepancies within the charges themselves. They illustrated duplicate charges in some cases within the same day, for the same service and appear to be compounded in comparison to whats perceived as normal industry standards associated with foreclosure. Even at first glance the account summary identifies significant over charging and overall egregious fees and costs associated with foreclosure expenses which are passed on to me and my family to pay. The account is riddled with unwarranted inspection fees and property valuation expense as well as countless foreclosure junk fees. It is a known fact, as illustrated in the most recent Class action lawsuit filed by the Consumer financial protection Bureau ( CFPB ) in XX/XX/XXXX that OLS has made thousands of accounting errors on thousands of consumer accounts for many years. On XX/XX/XXXX my loan was loaded into the systems of OLS and Im certain that accounting errors were made on my account. OLS, loaded inaccurate and incomplete information into XXXX ( XXXX ) and serviced loans using this information. OLS, relies on an inferior accounting system known as XXXX, this accounting system is dependent upon ensuring the loan data it is using to service loans is complete and accurate, OLS, seeks to complete this loan verification process within 60 days of boarding the loan onto XXXX. Since XX/XX/XXXX, however OLS, has not completed this process within 60 days. Instead, it has relied on unverified loan information for months and often for more than a year to service hundreds of thousands of loans. Due to this backlog, OLS also delayed verifying the 1.7 million XXXX XXXX loans it previously acquired in XX/XX/XXXX, and which it moved from XXXX XXXX servicing platform and boarded onto XXXX, on a rolling basis beginning in early XX/XX/XXXX. OLS, did not even begin the verification process for the XXXX XXXX loans until XX/XX/XXXX ; at that time, OLS, was servicing more than 1. Million unverified loans. Violations to Real Estate Settlement Procedures Act ( RESPA ) As of XX/XX/XXXX, in addition to boarding loans with inaccurate loan information, OLS also boarded loans that contained payment history data that it had reason to believe was inaccurate or incomplete. OLS, for example, boarded incomplete or incorrect payment histories onto XX/XX/XXXX, such as payment histories that include misapplied payments and transactions that occurred before the loan was even originated. I have requested on multiple occasions for OLS, to accurately explain the inconsistences in my loan fees and payment application history for the life of the loan, to no avail, which are violations of the Fair Debt Collection Practices Act ( FDCPA ) OLS, is now attempting to foreclose on my home without explaining any accounting request that have been requested on my behalf over the years leading up to the foreclosure actions. OLS, is also refusing to review my loan for modification assistance although I have the means financially to afford my mortgage. In XX/XX/XXXX, I was offered a predatory loan modification which also contained a large balloon payment in the amount of {$120000.00}, I struggled with these payments because they were not affordable, and I accepted that loan modification out of desperation to keep my home and avoid displacement of my family. I had no idea that I was able to dispute the offer, when in fact I had 30 days from the approval date to dispute the terms. Tis was never explained by my single point of contact ( SPOC ) at the time. Exhibit A XX/XX/XXXX, letter from XXXX XXXX XXXX XXXX XXXX, foreclosure attorney OLS, is also XX/XX/XXXX, my loan was referred to XXXX XXXX XXXX XXXX XXXX, foreclosure attorney during the time that I was allegedly being reviewed for a loan modification, which is dual tracking violations to Federal Law effective XX/XX/XXXX. It is written that from the date of the active review all sale activity be placed on hold until the conclusion of the review. On XX/XX/XXXX, allegedly OLS mailed me letter of denial that I never received, which subsequently 10 days afterwards a loan modification was granted, unbeknownst to me. I was informed by my XXXX that a package was lying behind bushes near an unused entrance to my home sometime in late XX/XX/XXXX. In fact, this package was not legible in even the smallest degree. I immediately contacted OLS, and advised them of the occurrence and discovery of the loan modification documents. OLS, recent the documents to me and by the time that I received the documents I was unable to have my attorney review them before OLS, deadline for the documents. Ultimately my loan modification offer was then cancelled. It is also a fact that the 20 year amortization schedule outlined within the XX/XX/XXXX, offer do not calculate correctly. The first page of the offer states principle and interest payments of {$800.00}, based on a rate of 4.725 % and an interest bearing amount of {$170000.00}. If calculated correctly, the payment would actually be {$1100.00}, which means the offer is invalid as it is written. OLS, has never maintained a transparent review process with relation to my amount payment application history nor have they remained in compliance with the integrity terms conditions and ongoing industry standard metrics enforced under the National Mortgage Settlement NMS, of XX/XX/XXXX CFPB vs. OLS. Furthermore, we compel OLS, to correct these acts of treachery and abuse prior to our filing a potential civil lawsuit surrounding these arguments set forth and within this complaint.
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2018-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: For many years Ive suspected that my loan balance has been misrepresented by Ocwen Loan Servicing ( OLS ) based on payments that Ive made for the life of the loan. I admit that I have run into financial difficulties for more than a 1 years, and was unable to pay my mortgage due to an unexpected out of state job relocation. Once things began to finally stabilize financially for me and I was able to secure a renter for my home in late XX/XX/XXXX, I began to review old OLS, accounting records for my loan. It was at that point that I realized that my account summary carried vary flagrant discrepancies within the charges themselves. These illustrated duplicate charges in some cases within the same day, for the same service and appear to be compounded in comparison to whats perceived as normal industry standards associated with foreclosure. Even at first glance the account summary identifies significant over charging and overall egregious fees and costs associated with foreclosure expenses which are passed on to me and my family to pay. The account is riddled with unwarranted inspection fees and property valuation expense as well as multiple foreclosure junk fees. On XX/XX/XXXX, I requested payment history from OLS, for the life of the loan and only received a partial accounting summary which only reflected payments and adjustments based on OLS, accounting ledgers and systems, as far as I can tell, from the time the allegedly acquired servicing rights. OLS, loaded inaccurate and incomplete information into XXXX ( XXXX ) and serviced loans using this information. OLS, relies on an inferior accounting system known as XXXX, this accounting system is dependent upon ensuring the loan data it is using to service loans is complete and accurate, OLS, seeks to complete this loan verification process within 60 days of boarding the loan onto XXXX. Since XX/XX/XXXX, however OLS, has not completed this process within 60 days. Instead, it has relied on unverified loan information for months and often for more than a year to service hundreds of thousands of loans. Due to this backlog, OLS also delayed verifying the 1.7 million XXXX XXXX loans it previously acquired in XX/XX/XXXX, and which it moved from XXXX XXXX servicing platform and boarded onto XX/XX/XXXX, on a rolling basis beginning in early XX/XX/XXXX. OLS, did not even begin the verification process for the XXXX XXXX loans until XX/XX/XXXX ; at that time, OLS, was servicing more than 1. Million unverified loans. Violations to Real Estate Settlement Procedures Act ( RESPA ) As of XX/XX/XXXX, in addition to boarding loans with inaccurate loan information, OLS also boarded loans that contained payment history data that it had reason to believe was inaccurate or incomplete. OLS, for example, boarded incomplete or incorrect payment histories onto XXXX, such as payment histories that include misapplied payments and transactions that occurred before the loan was even originated. I have requested on multiple occasions for OLS, to accurately explain the inconsistencies of my loan fees and payment application history for the life of the loan, to no avail, which are violations of the Fair Debt Collection Practices Act ( FDCPA ) OLS, is now attempting to foreclose on my home without explaining any accounting request that have been requested on my behalf over the years leading up to the foreclosure sale date set for XX/XX/XXXX. OLS, is also refusing to review my loan for modification assistance although I have means financially to afford my mortgage. Also, in XX/XX/XXXX I paid a reinstatement amount of {$17000.00}, XX/XX/XXXX, however this money appears to not have been reflected as applied against my unpaid principle balance. These constant accounting errors and misapplication of payments has created an inaccurate balance of my outstanding loan and does not indicate an accurate reflection of what is actually owed. I would like to also add that there was never any end of year tax statement generated to me from OLS, and as a result I failed to be able to receive my tax credits and or benefits for this particular year of XX/XX/XXXX. For this reason I feel that negligence on the part of OLS, has further damaged my financial unrest and the overall financial health. *Accounting Issues : XX/XX/XXXX-- $ XXXXProperty inspection fee XX/XX/XXXX -- $ XXXXProperty inspection fee x ( 10 ) XX/XX/XXXX -- {$400.00} -- Property Valuation Expense XX/XX/XXXX -- {$230.00} -- Property Valuation Expense ( 3 ) XX/XX/XXXX -- {$400.00} -- Property Valuation Expense ( 4 ) XX/XX/XXXX-- Range from {$1.00} to {$15.00} -- Property inspection fee ( 6 ) XX/XX/XXXXthru XX/XX/XXXX -- Tons of fees racked up from ( FC Thru Complaints and FC Thru Judgments ) ( Repeat of {$920.00} thru {$200.00} ) At one point {$920.00}, {$200.00}, {$350.00} and the amount of {$510.00} charged to the account on both XX/XX/XXXXand again less than 1 month onXX/XX/XXXX ) Title reports for {$310.00} charged to account XX/XX/XXXX6 and XX/XX/XXXXless than 1 month apart XX/XX/XXXX -- {$85.00} -- Property Valuation Expense XX/XX/XXXX -- {$100.00} -- Property Valuation Expense
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46953
Submitted Via: Web
Date Sent: 2018-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Applied for a loan modification with Ocwen and we were offered a three month trial plan. We made the payments every month and waited for the final agreement to be mailed to us. We hadnt received it by the XX/XX/XXXX so I called my relationship manager. She emailed it to me so I printed and had my husband sign it. We had a notary sign it and I sent it in to Ocwen. They said they never got it so I sent it again this time overnight. Ocwen received the paper work but because it wasnt stamped by the notary they denied the loan modification. So they told me to reapply for another modification. I sent in the application and they denied it within 2 days saying our circumstances hadnt changed since the last modification so the only option we had was to pay {$6900.00} or try to do a repayment plan over an eleven month period. They told me I could appeal the decision and see what would happen. Ive talked to a million people at Ocwen and most have them are really being rude with me. I finally called the ombudsmen office and surprisingly was able to talk to some American people that I could understand and they agreed to try to help me. One of them submitted a request to have the modification denial reversed but they havent given me an answer as of yet. I just want to keep my home and not be in a foreclosure situation
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XX/XX/XXXX Notice of Chapter XXXX Bankruptcy Case, Meeting of Creditor, & Deadlines filed. ( Notice attached ) XX/XX/XXXX Notice of Appearance with request for copies of all orders, notices and pleadings under bankruptcy rules 2002 ( g ) and 9010 ( b ) filed by Ocwen Loan Servicing, LLC as servicer for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( Notice attached ) XX/XX/XXXX Final bankruptcy Decree received that included referenced mortgage property. ( Letter attached. ) XXXXXX/XX/XXXX Received letter from Ocwen Loan Servicing, LLC stating the following : " This letter was sent to acknowledge that we are in receipt of your request regarding the REO inquiry through correspondence received from XXXX XXXX. '' -I did not make this request and sent a certified letter, with return receipt, stating the property had been surrendered in a chapter XXXX bankruptcy with all of the applicable filing information. ( Letter attached. ) XX/XX/XXXX Received NOTICE OF OWNERSHIP CHANGE from Ocwen Loan Servicing, LLC stating that the mortgage account had been transferred. ( Notice attached ) XX/XX/XXXX-XX/XX/XXXX Several invitations to pay and miscellaneous notices from " XXXX XXXX '' received . XX/XX/XXXX Debt validation notice received from XXXX XXXX XXXX. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ALL of its servicers are well aware that this property was discharged in the bankruptcy.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Ocwen Loan Servicing and its young attorney XXXX XXXX continue to use forgery and fraud, void assignment violations of the notary laws, false documents, false principal balance, false payment history, manufactured forced place insurance policies, slander of title and trustee sale threats to force me into hundreds of thousands in increased none negotiable loan modifications to embezzle my property so Ocwen can temporally increase its revenue. Ocwen employees act like a bunch of incompetent children playing school games. I provided transcript evidence to Ocwen and its attorney proving the pretender lender loan servicer don't know the phony loan principal balance. My FBI forensic expert was denied access to the so-called original note in Ocwen Loan Servicing 's possession. The pretender lender loan servicer will not allow my expert access to the so-called note. Ocwen and its attorney XXXX XXXX are attempting to block my rights from having a fair jury trial so they can temporarily get away with embezzlement. Declaration of XXXX XXXX was filed in federal court this month ratifying the bureau decision to file a lawsuit against Ocwen Loan Servicing, then quickly after Ocwen lawyer files motion for protective orders. How many more times will our leaders allow this XXXX XXXX candy factory pretender lender loan servicers fraudulent operation from continuing its white collar crimes in this country? I sent all my evidence to XXXX XXXX, XXXX XXXX, President Trump and Vice President Pence demanding our leaders to end Ocwen Loan Servicing and shady lawyers crimes in this country. Enough is Enough!
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: As of XX/XX/XXXX, I have paid my mortgage on time for the past 36 months, in which the HAMP program required and they took XXXX off each year i paid on time. ( I had ACH withdrawals ) ' My mortgage was XXXX, now its down to about XXXX and I requested the mortgage company to set up Bi Weekly payments as of XXXX payment. I have been paying since XX/XX/XXXX on this home and they have gotten almost double. They told me in XX/XX/XXXX that in order to set up bi weekly payments, my account would have to be paid 30 days ahead.. I sent the paperwork in and they sent me a letter stating it was too late the Bi weekly account couldn't be set up because the paperwork did not arrive in time. I asked if I could fax the paperwork in a make another payment to put my account up and they said yes and then changed it to being 31 days ahead.. On XX/XX/XXXX I faxed the paperwork in and made a payment. XXXX ( XXXX XXXX fax phone XXXX option XXXX XXXX ) took another payment and set the bi weekly payment up for XX/XX/XXXX and XX/XX/XXXX.to be exclusively watched over by her. The 1st ACH will be withdrawn in XX/XX/XXXX. I recieved the same paperwork again that OCWEN mailed on XX/XX/XXXX stating they couldn't set up my BI weekly because the account was not 31 days ahead and when i called and told them XXXX had physically taken out the payment on XX/XX/XXXX and I had made another full month, they stated that the XX/XX/XXXX payment had accidentally been applied to the Principal. and the account needed to be 31 days ahead to set up bi weekly payments. This is so crooked and dishonest. I have been in this house since XX/XX/XXXX and have paid double what its worth. OCWEN is AKA as a PREDATORY LENDER
Company Response:
State: MI
Zip: 48503
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A