Please post your complaints about these companies on usacomplaints.com, but don't just stop here. Also do the following:
Anyone having problems with Wells Fargo aka America's Servicing Company should send a RESPA Letter (Real Estate Settlement Procedures Act) to Wells Fargo aka America's Servicing Company to obtain information or questions they have on their account. They are REQUIRED TO RESPOND TO YOU IN WRITING BY LAW!
Loan Servicing Complaints
Section 6 provides borrowers with important consumer protections relating to the servicing of their loans. Under Section 6 of RESPA, borrowers who have a problem with the servicing of their loan (including escrow account questions), should contact their loan servicer in writing, outlining the nature of their complaint. The servicer must acknowledge the complaint in writing within 20 business days of receipt of the complaint. Within 60 business days the servicer must resolve the complaint by correcting the account or giving a statement of the reasons for its position. Until the complaint is resolved, borrowers should continue to make the servicer's required payment.
A borrower may bring a private law suit, or a group of borrowers may bring a class action suit, within three years, against a servicer who fails to comply with Section 6's provisions. Borrowers may obtain actual damages, as well as additional damages if there is a pattern of noncompliance.
Other Enforcement Actions
Under Section 10, HUD has authority to impose a civil penalty on loan servicers who do not submit initial or annual escrow account statements to borrowers. Borrowers should contact HUD's Office of Consumer and Regulatory Affairs to report servicers who fail to provide the required escrow account statements.
Filing a RESPA Complaint
Persons who believe a settlement service provider has violated RESPA in an area in which the Department has enforcement authority (primarily sections 6,8 and 9), may wish to file a complaint. The complaint should outline the violation and identify the violators by name, address and phone number. Complainants should also provide their own name and phone number for follow up questions from HUD. Requests for confidentiality will be honored. Complaints should be sent to:
Director, Office of RESPA and Interstate Land Sales
US Department of Housing and Urban Development
Room 9154
451 7th Street, SW
Washington, DC 20410
SAMPLE OF RESPA LETTER: (Fill in your information)
Attention Customer Service:
Subject: [Your loan number]
[Names on loan documents]
[Property and/or mailing address]
This is a "qualified written request" under Section 6 of the Real Estate Settlement Procedures Act (RESPA).
I am writing because:
(Describe the issue or the question you have and/or what action you believe the lender should take.)
Attach copies of any related written materials.
Describe any conversations with customer service regarding the issue and to whom you spoke.
Describe any previous steps you have taken or attempts to resolve the issue.
List a day time telephone number in case a customer service representative wishes to contact you.
I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days.
Sincerely,
[Your name]
REMEMBER: This letter SHOULD NOT be included with your mortgage payment, but should be sent separately to the customer service address.
You SHOULD continue to make the required mortgage and escrow payment until the request is resolved.
You may bring a private right of action under Section 6, if you suffer damages due to the lender's servicing of the loan. See the RESPA statute and regulations.
Also -
PLEASE FILE A COMPLAINT with the Office of the Comptroller of the Currency Customer Assistance Group by telephone, e-mail or through written correspondence.
You can reach one of the Office of the Comptroller of the Currency's customer assistance specialists by:
Telephone: Dial 1-800-613-6743, toll-free (Monday-Thursday 9:00A.M. To 4:00P.M., Friday 9:00 A.M. To 3:00 P.M. CT)
E-mail: Send E-mail to Customer. Assistance@occ. Treas. Gov
Fax: Send written material to 1-713-336-4301
Mail:
Customer Assistance Group
1301 McKinney Street
Suite 3450
Houston, TX 77010
I strongly urge anyone having problems with these companies to file a complaint with their local Office of the Attorney General, the Federal Trade Commission and the Office of the Comptroller of the Currency who regulates Wells Fargo.
HUD/RESPA information can be found at:
Http://www.hud. Gov/offices/hsg/sfh/res/respamor. Cfm#MT
Your local state Office of the Attorney General contact information can be found by searching for this office on the internet for the state in which you reside.
P
Baltimore, Maryland
U.S.A.
&IMPORTANT File your consumer complaints now
FYI, Attorneys General nationwide, FTC, FBI, US Postal Inspectors, Homeland Security, US Justice Department and most other Authorities Including Government Authorities in more than a dozen other countries and Local & National News Media all view consumer complaints. We'll put YOU in contact with them if you want them to help further your cause, YOU make that choice, when you file your consumer complaints. It is important to file with the authorities, but, consumers and other authorities never get to see what consumers filed with any other agency not even the BBB! That is why it is important to ALSO file with us here at consumer complaints. Your filed consumer complaints will more than likely be prominent on the search engines.
Lawyers read consumer complaintss too, those attorneys interested in helping your situation or if a Class Action Lawsuit is being filed, consumer complaints will contact YOU with their contact information. We dont give out your info!
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