Date Received: 2017-08-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is the 2nd time I have applied for a loan modification from Ocwen. I also applied when my loan was held by the company before them. The sole source of income to pay the mortgage comes from the rental income received monthly. Unfortunately, since the day I purchased the house the market dropped. I am not able to sell the house for a price that would get me clear from the loan. The market rents have increased over the past few years but the rent doesnt cover the mortgage, the taxes and insurance for the property. I have struggled since the day I bought this property. I am beyond frustrated and feel that the lender is holding me XXXX because of the 8.625 % rate that is accruing on my adjustable rate mortgage loan. I know Ocwen Loan Services can make the numbers work for me and them if they would legitimately follow the guidelines of this program. I know that the Loan Modification was made for people like me who were victims of these mortgage brokers out for a payday. I know that I meet now, and have always met the criteria required of the Loan modifications. I need your assistance as soon as possible to get the Ocwen to help me lower my interest and my payment so I can afford my mortgage payment. Without your assistance, all the paperwork Im sending to them for this modification will go in the trashcan. To date, they do not respond to any of my questions they just continually keep asking for more and more documents. They wont return my calls but after they say they have everything that is needed nothing changes and they ask for everything all over again. I have been going through this run around for over three years. Please help, I was able to get my other mortgage company to do a modification on my other loan. I appreciate all your help in advance and look forward to your assistance in this matter.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2017-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The company is Ocwen Loan Servicing, LLC and the current mortgage was in the name of my parents. The real property is a declared disaster home from XX/XX/XXXX flood. In light of the flood, I was court appointed Power of Attorney over my parents and their damaged property. Unfortunately, my father XXXX XXXX unexpectedly XX/XX/XXXX and my parents had been temporarily housed in a FEMA mobile home unit until repairs were completed ; my mother continues to occupy the mobile home. Ocwen was notified of my father 's XXXX almost immediately and was provided the original XXXX XXXX. I retained legal counsel due to the absence of a will and testament. My attorney began the proceedings for a Small Succession to support and ensure proper transfer of ownership surrounding the damaged property. My father was a XXXX XXXX veteran from the XXXX branch and was XXXX XXXX XXXX in the XXXX XXXX reserved for our XXXX XXXX. There is a flood insurance claim which was filed and those funds have been forwarded to Ocwen but can not be liquidated for repairs because the name of the account was changed to reflect an estate of my XXXX father. According to U.S. Federal Civil Law, the Affidavit of Small Succession dissolved such estate when my mother, as surviving spouse and myself, decedent 's only heir were duly sworn and deposed by an officer of the court. This affidavit has been filed and recorded as of XX/XX/XXXX. Ocwen continues to argue their company policy for Assumption is the only avenue to secure full ownership of the property. The affidavit clearly states entitlement to my mother as Usufruct and my entitlement as Naked Ownership in the jurisdiction of the state of Louisiana. The LA Code of Civil Procedure Article 3434 is outlined and defined within the affidavit for reason of any confusion to those whom may not be familiar with community property states and transfers of ownership. Ocwen was contacted officially with request of escalation on XX/XX/XXXX and supporting documentation was submitted XX/XX/XXXX. Ocwen denied my first request to change the name of the account and adhere to the federal affidavit. The request is now with an escalation resolution team who still does not have a resolve for my request and now we exceed 60 days. As I continue to reach out to Ocwen daily, I meet constant failure to adhere to the filed and recorded affidavit and am told repeatedly that the transfer of ownership can only be achieved through the Assumption process. Please note this account is current and is in no way associated with delinquency, foreclosure, or deed in lieu. I have been accountable and responsible for the payment history for the past 6 months which demonstrates a prudent and determined behavior to remain in good standing until the payoff of this mortgage loan. The delay from Ocwen to adhere to the Civil proceedings not only is unfair treatment but prolongs the repair and restoration of the disaster declared property. I am seeking assistance from the highest rank of Government for consumers whom continue to be railroad by mortgage companies like Ocwen.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2017-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To Whom It May Concern : This is not a duplicate complaint, but an ongoing problem that I have been having with Ocwen Loan Servicing in a foreclosure case in XXXX XXXX Court case # XXXX. The following complaint stems from their unwillingness to work with me and the possible mortgage modification process. Today XX/XX/XXXX I spent extensive time on the phone with the representatives and supervisors concerning this matter, but to no avail. I felt as though they were getting back at me for wanting to find out what the details were of what I had previously asked and was not satisfied with. On XX/XX/XXXX Ocwen responded to my request for information that was filed with your organization complaint number XXXX. I requested additional time to review and respond to their findings and was not given that opportunity, WHY? I was told that in XX/XX/XXXX, paper work was sent to me regarding modification, but I never received it, and wanted to have another opportunity to possibly process those paper work, but was told that it could not be done and would not be done. I was told by one of the representatives to contact the attorney of record to ask for a stay on the sale dated for XX/XX/XXXX at XXXX XXXX, but that was an impossible approach because the attorney of record would need to hear from Ocwen and they were unwilling to help us WHY? We wanted an opportunity to review the information they said that they sent me, but I never received it. The supervisor would not give me the executive information to speak with them.I was not told whether this was a company policy or not it was not something they were going to do. They further would not tell me who was actually selling trying to sell the house whether it was Ocwen or XXXX XXXX. The cold heart response from this company was not call for and they further stated that they had the original note of which in an earlier response to my request for information, they stated that they did not have it. So, the mix messages and the unclear opinions, and the blatant disregard for our request has led to yet again file this complaint. We are aware of the limitations that faces CFPB, but yet their unwillingness to help restart this process was uncalled for. I am aware that Ocwen told the court that they had the note, but did not show me a copy. The third party that they were working with never informed me about these proceedings and now with limited time left they will proceed to sell this property without regards to letting the home owner get another opportunity to do a loan modification. Questions : 1. We never asked to get the original note back, we simply just wanted to see under their determined protection of the note method, to see it. Why could they not do this if they say they have it. We believe they lied. 2. Is Ocwen in the business of helping family keep their homes, or are they in the business of making sure the bank takes away what people have worked for? 3. Why was it so out of the ball park to ask for another opportunity to possibly do a modification on the alleged loan amount which had inflated cost added to it? 4. Where are the assignment agreement and documentation of these events placed, because we never received any such consent to have the mortgage reassigned? 5. Since I was told that XXXX XXXX are the investers, were they the ones who are still collecting on the securities? 6. Why were they insufficient evidence to go forward on this said case back in XX/XX/XXXX. Case number : XXXX? 7. I am still at this eleventh hour requesting that this sale be discontinued and that another opportunity be given to rectify the situation. If not why? Thank you for the opportunity to file this and your response is greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2017-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Im not sure if this is correctly routed as I am just the buyer on the home and not the seller but nonetheless this needs to be reported. After months of searching a super tough market and i found a home i could afford and that was perfect. It was a short sale so i had to wait a few months to go through the process. I got into contract late XX/XX/XXXX and we wen through all the proceedings and settled on a close date of XX/XX/XXXX. Ocwen and XX/XX/XXXX were the lien holders. We had extensions in place, my loan was approved, appraisal and inspection done and so much work and money put into other parts of the loan .... only to receive an email from XX/XX/XXXX ( negotiators on this deal ) that Ocwen had wrongfully foreclosed on the property without notifying anyone and breaking the contracts/suspension we had in place. The property i was to close on this week is sold. The investor who bought it is going to resell it but for XX/XX/XXXX more ... not something i have. This has been beyond devastating and heartbreaking. I am still in shock. This is beyond NOT ok.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98036
Submitted Via: Web
Date Sent: 2017-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: QWR Notice of Error Subject property address : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Owner : XXXX XXXX XXXX XXXX ( last four S.S. XXXX ) XXXX XXXX XXXX XXXX, Ohio XXXX Phone : ( XXXX ) XXXX Loan # : XXXX Forced Placed Insurance : I am putting Ocwen The Loan Servicer and the investor of my loan that there has been improper placement of Forced placed insurance on my loan under Regulation X 12 CFR 1024.37 a lender shall not exceed the amount of force placed insurance placed on a property greater than the investors secured interest. XXXX XXXX XXXX serviced this loan before Ocwen and while the property was under a federal bankruptcy stay placed force place insurance on the property without which was not needed if only XXXX would of asked the courts for the insurance policy in XX/XX/XXXX it would have been provide nevertheless the forced place insurance was in the amount of {$77000.00} which at the time of the placement this insurance would of still been in violation of 12 CRF 1024.37 because the investor only had an interest in the property per a reaffirmation agreement see Exhibit T. When executed this agreement crammed down the debt from {$65000.00} to {$35000.00} the new loan amount caps the maximum amount of forced placed insurance allowed to be placed on the property at {$35000.00}. Ocwen after sending me a transfer notice ( RESPA ) on XX/XX/XXXX see ( Exhibit E ) this notice listed an incorrect balance loan balance of only {$64000.00} and Owcen still executed a forced placed policy in the amount of {$150000.00} on the property this was clearly a violation of 12 CFR 1024.37. This company has been fined by the CFPB for this illegal action in the past and this action has now added a large amount of insurance policy premiums to my pay off. I have listed all the policies for your review as see Exhibits W, V, X, U, T I have also enclosed a letter from Ocwen see Exhibit I. This notice list the type of insurance they obtained and what it covers and how much insurance they place on the property see Exhibit I pg 2 The Insurance We Obtain 4 Hazard insurance. Ocwen has never been compliant under 12 CFR 1024.37 on this loan. I have 4 loans with this company and all four have had this issue it seems to be a pattern see Exhibit I, K. Attempting to Collect Discharged Bankruptcy Debt : On XX/XX/XXXX I signed a reaffirmation agreement on the subject property see ( Exhibit F ). I began making the new payment of per the agreement to XXXX XXXX XXXX per there internet payment center which was showing the wrong balance of the note after months of internet payments I asked XXXX to start sending me monthly billing statements they complied and as I suspected the bankruptcy debt was listed on the periodic statement and the reaffirmation was not applied to this loan. I called XXXX only to be told that they could not speak to me and was placed on hold for hours with no results and the statements just kept coming in see ( Exhibit 1,2,3,4,5 ) I then received a notice of transfer from XXXX see ( Exhibit D ). On XX/XX/XXXX I received a notice of transfer ( RESPA ) from Ocwen see ( Exhibit E ) this notice also listed the bankruptcy debt as owed. On XX/XX/XXXX I received my first monthly billing statement from Ocwen see ( Exhibit C ) this statement listed the dischargedXX/XX/XXXX bankruptcy debt as stilled owed and now a new post-petition debt in the amount of {$21000.00} along with fees in the amount of {$22000.00} not understanding what this was for I contacted Ocwen only to be told that I was still under a bankruptcy stay and they could not talk to me. This in fact was not true because the bankruptcy was closed on XX/XX/XXXX the stay was already lifted see ( Exhibit Z ). This was to be the only monthly billing statement I would receive from Ocwen over the next three years. QWR XX/XX/XXXX In an attempt to get back on track with the lender In XX/XX/XXXX I faxed over a QWR for all 4 loans and Ocwen sent me notice of receiving my correspondence on XX/XX/XXXX see ( Exhibit N, K ). I sent this over in response to a notice of default I received in the mail on XX/XX/XXXX showing I only owed a balance due of {$15000.00} see ( Exhibit H ). This balance was not in agreement to the only billing statement that I had received in XX/XX/XXXX which stated that I owed a past due amount of {$21000.00} and post-petition payment s in the amount of {$22000.00} which I believe to be the discharged debt see ( Exhibit C ). As a result of the QWR Ocwen sent me documents in which I had never seen before such as a XX/XX/XXXX notice that Ocwen was placing more force place insurance on the property in the amount of {$150000.00}. This document had in itself a loan history and printout showing a balance on the loan as of XX/XX/XXXX {$34000.00} see Exhibit B. This payoff quote see Exhibit Y ) only showed a balance of {$44000.00} owed. Summary In XX/XX/XXXX requested another payoff quote and a payment history of the loan. The printout of the history of the loan shows the mismanagement of the loan on XX/XX/XXXX the balance of the note was shown to have been {$64000.00} and the mortgage balance was not corrected per the print out to reflect the court ordered cram down until XX/XX/XXXX see ( Exhibit H ). After my QWR notice had been sent to Ocwen and someone realize the issues of my loan. I was still never notified of the servicers discrepancies and mismanagement of my loan but I was notified that I was being foreclosed on by a law firm see ( Exhibit M ). Ocwen has since being in XX/XX/XXXX sending me out periodoci monthly billy statements listing fees such as insurance premiums and now taxes that I should not owe on the property. I never received a correct statement from Ocwen for about 36 months which is a violation of the Regulation X CFR 1026.41. Also the asking of by phone or mail any discharged bankruptcy debt is a violation of the bankruptcy code 11 U.S. Code 1141 and can result of a heavy fine if needed to be brought back into Bankruptcy Court. See ( Exhibits E, C,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23 ) all can oppose a fine by the CFPB of up to {$2000.00} for each occurrence not including the months a statement was not delivered and any Bankruptcy violations that the Federal Judge might sanction. Please review this material that I have provided and get back to me with what you might see is a reasonable offer to settle this matter as always I have found it better for both sides to settle this out of court. Please Advise XXXX XXXX XXXX
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2017-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I received a misdated letter claim form from Ocwen mortgage company which I filled out and returned on XXXX XXXX, 2015. My tracking number is XXXX. I have been calling on a regular basis and always receive the same answer, that it is under review. This claim form involved a payment ranging from {$300.00} to {$3000.00} per loan for misdated letters which negatively affected me during a short sale
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2017-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: The complete request for short sale packet was submitted to Ocwen on XXXX XXXX XXXX. On XXXX XXXX I received my first payoff which I confirmed that the loan with Ocwen would be paid in full from sale proceeds. At THAT time on XXXX XXXX when I called and spoke to the short sale department to let them know that we would only be doing a short sale on the second because this loan ( loan with ocwen ) would be paid off in full that the foreclosure date was suspended. And I was told to just be sure to send in the 2nd lien approval as soon as it is received. I received the second lien approval on XXXX XXXX and called and spoke to someone in customer service to again confirm full payoff status and the closing date of XXXX XXXX ( I do not have the name because the call was outsourced to someone in XXXX XXXX and the names and spelling are difficult to register. I was told to email the letter and the hud that matched and also confirm the suspension was still in place. I had no reason to think we were in danger as I hadnt received any calls or correspondence from Ocwen that would raise suspicion of the foreclosure suspension being lifted. On XXXX XXXX when I called in for an updated payoff for our closing date the following week you can imagine my shock and the sickness I felt when I was told the property was sold to a third party on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-16
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In XX/XX/XXXXI 've experience some water damage to my property my insurance company was XXXX. Over time of investigation they did release {$27000.00} which were to be broken-up in 23 payments of {$9100.00}. My 1st draw came to me in XX/XX/XXXX around the XX/XX/XXXX I hire XXXX XXXX XXXX XXXX to replace the damage carpet in the home.The amount to replace came up to {$3900.00} because that check came in their name and my name ocwen did not have a separate check for them for the {$3900.00} and XXXX XXXX XXXX would not sign off on the {$9000.00} check so I have to give them the whole check when problems occur with the contractor XXXX XXXX XXXX XXXX the price of the carpet to over {$6000.00} I chose not to use them but them would n't give me my money back. Because they thought Owen would Sue after speaking with ocwen said it was OK for them to give me the money back But our current would not tell them bad nor write a letter stating that so I did not receive the money back So XXXX XXXX still has the {$6600.00} and had it since XX/XX/XXXX And I try to get it back but they will not give it to me So moving forward I asked ocwen what can I do to we see the next draw in order to finish to work on my home they gave me an option to send in some documents which include it receipts from work I 've already done myself an proof that I try to get the money back from XXXX XXXX.After sending the information ocwen order an inspection the inspection prove that 50 % of the work in the home has already been done .The importance of that number is because each draw was based on a percentage of the work done so if 30 % of the work is done on the 1st draw then the next draw was supposed to be release so Owen sent me a check for {$3600.00} not the amount of the next draw what they sent to me was the amount of what I 've already spent in my home that 's not the correct procedure And also sent me a letter stating that when I 'm done doing all the work on the home myself an inspection is done then they will send me the rest of the money that 's not how it 's supposed to be done the insurance money is supposed to be sent to me to do the work not my own money to be used.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2017-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-15
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have been dealing with Ocwen since XX/XX/XXXX trying to get a deed in lieu. I found your information online about the lawsuit. I am currently going through a divorce and my ex-husband and I decided its best to go through the deed in lieu. We started the process in XX/XX/XXXX signed the documents and it was approved. In XX/XX/XXXX Ocwen did a home appraisal. We followed up with Ocwen monthly and the only answer we would get was that there was a delay. in XX/XX/XXXX we got paperwork stating that it was approved and that the house was to be vacant by XX/XX/XXXX. At that time the house was already vacant and our home owners insurance was canceled due to it being vacant. Ocwen said that would be fine that they covered the house through their own insurance. We did get our own hazardous insurance XX/XX/XXXX and Ocwen was not putting it in their system and I kept getting notices that the house was not covered and that is why there was another delay. Ocwen did not call in regards to this and when I called they said that they had all the paperwork they needed but I kept getting letters saying the house was not covered. In XX/XX/XXXX I called and fought with the insurance department of Ocwen and finally got the insurance information entered into their system. I call between every week to every 2 weeks to check on the status of the deed in lieu and I always get that there was a delay with the paperwork and that the attorneys are working on it. I never get a reason as to what the delay is. XX/XX/XXXX I get a call from Ocwen that they will have a notary contact me in regards to signing the paperwork. Later that day I get another phone call the appraisal ran out and that a new appraisal will need to be conducted prior to signing any documents. I called Ocwen on XX/XX/XXXX because I got another letter in the mail stating that we did not have significant hazardous insurance on the house and that it needed to cover the total cost of what is owned on the property. None of this was listed in any of the letters I received nor during the phone called. I also talked to the deed in lieu department and that stated that they would expedite the appraisal as nothing had been ordered at that time. I called again on XX/XX/XXXX and got same answer but this time they gave me an order number for requesting the appraisal. Order number XXXX. I called again on XX/XX/XXXX and still no appraisal had been order and they said that I would hear from the appraiser by the XX/XX/XXXX. I called Ocwen back on XX/XX/XXXX and they still had not ordered the appraisal. I then asked to speak to the supervisor ID # XXXX. By the afternoon of XX/XX/XXXX the contractor for the appraisal contacted me and we met that day and had the appraisal done. I have contacted the BBB in complaint as this has been 8 months that Ocwen has been delaying to complete the deed in Lieu assistance program when it should have only taken 90 days at the most. I am beyond frustrated and at my whits end as what to do to get this completed. I cant afford an attorney as I am already going through a lawyer for custody and child support and then for my divorce once the house is out of our name. if you have any advice as what we can do or should do. I just want this taken care of and no more delaying. I did call Ocwen back today and let them know that they appraisal was done on Friday XX/XX/XXXX they said it will take XX/XX/XXXX business days for them to get the documents and then it needs to be accepted and uploaded in their system. At that point their attorneys will begin preparing the mortgage documents to sign off on the house. i am still fighting with Ocwen to try and complete the deed in Lieu assistance program
Company Response:
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2017-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-15
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Hello XXXX Thank you writing. I am one of the escalation managers handling cases for the Liquidation department. A review of the attachments received shows the borrower is offering {$1000.00} to settle the deferred principal balance amount of {$60000.00}. I am reaching out to let you know that there is only one lien on the property which is with Ocwen and we do not do settlements on part of the principal balance that is owed on loans. That is not an option. Borrower can call customer service at XXXX and schedule an appointment with the Relationship manager to discuss other loss mitigation options. I can assist if the borrower would like to sell the property. You may visit the below link for mortgage assistance options : XXXX XXXX XXXX XXXX Thank you Regards, If you would like to submit a notice of error or information request, please mail the request to Ocwen Loan Servicing LLC | Attention : Research Department | XXXX. XXXX XXXX | XXXX XXXX XXXX, FL XXXX XXXX XXXX Escalations Collateral Based Solutions. Ocwen Loan Servicing, LLC Work : XXXX ( XXXX ) XXXX XXXX www.ocwen.com To : Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX From XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX Re : Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} At this time, I am writing to offer Ocwen Loan Servicing {$1000.00} to settlement and fully release of 2nd lien Loan Deferred Principal Balance of {$60000.00} from the property of XXXX XXXX XXXX XXXX MN XXXX loan number XXXX. We have done everything in our power to make ends meet but unfortunately we have fallen short and ask that you to consider to settle our2nd lien Loan Deferred Principal Balance in full. Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} would fully release all personal liability and the lien from the property located at XXXX XXXX XXXX XXXX MN XXXX loan number XXXX A payment was applied to loan number XXXX XX/XX/XXXX for {$8700.00}. I would like this payment to be considered part of the Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} With the home valued at {$190000.00} and 1st mortgage balance at {$180000.00}. A foreclosure would net the 2nd lien Loan Deferred Principal Balance {$60000.00} nothing.. We personally, want to make a good faith effort to Ocwen Loan Servicing pay the {$1000.00} that we are offering. We have the means to obtain this amount for our settlement offer now. And as this 2nd lien Loan Deferred Principal Balance has been included in a chapter XXXXbankruptcy action, you would not get any of the balance owed. I would appreciate your timely acceptance of this offer. As this offer will expire 30 days from the above date. XX/XX/XXXX Sincerely, XXXX XXXX &
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55378
Submitted Via: Web
Date Sent: 2017-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A