Friday, June 8, 2012

All the corporations in the long list below (including Bank of America, JP Morgan Chase, Citi Bank, Wells Fargo, and GMAC) settled for identical violations including :

(a) providing false or misleading information to consumers (b) misrepresenting to borrowers (c) failing to provide accurate and timely information to borrowers (d) misrepresenting the identity, office, or legal status of the affiant (e)  inappropriately charging servicing document creation

Here is the entire list of corporations followed by links to the full evidence :

BANK OF AMERICA CORPORATION,

BANK OF AMERICA, N.A., )
100 North Tyron Street )
Charlotte, North Carolina 28255 )

BAC HOME LOANS SERVICING, LP f/k/a )
COUNTRYWIDE HOME LOANS )
SERVICING, LP, )
4500 Park Grenada )
Calabasas, California 91302-1613 )

COUNTRYWIDE HOME LOANS, INC., )
4500 Park Grenada )
Calabasas, California 91302 )

COUNTRYWIDE FINANCIAL CORPORATION, )
4500 Park Grenada )
Calabasas, California 91302 )

COUNTRYWIDE MORTGAGE )
VENTURES, LLC, )
4500 Park Grenada )
Calabasas, California 91302-1613 )

COUNTRYWIDE BANK, FSB, )
100 North Tryon Street )
Charlotte, NC 282002 )

CITIGROUP INC., )
399 Park Ave. )
New York, New York 10022-4614 )

CITIBANK, N.A., )
399 Park Ave. )
New York, New York 10022-4617 )

CITIMORTGAGE, INC., )
1000 Technology Drive )
O’Fallon, Missouri 63368 )

J.P. MORGAN CHASE & COMPANY,
270 Park Avenue )
New York, New York 10017 )

JPMORGAN CHASE BANK, N.A. )
1111 Polaris Parkway )
Columbus, OH 43240 )

RESIDENTIAL CAPITAL, LLC, )
7
1100 Virginia Drive )
Fort Washington, Pennsylvania 19034 )

ALLY FINANCIAL, INC., )
200 Renaissance Center )
P.O. Box 200 )
Detroit, Michigan 48265 )

GMAC MORTGAGE, LLC, )
1100 Virginia Drive )
Fort Washington, Pennsylvania 19034 )

GMAC RESIDENTIAL FUNDING CO. LLC )
8400 Normandale Lake Boulevard )
Minneapolis, Minnesota 55437 )

WELLS FARGO & COMPANY, )
420 Montgomery Street Front )
San Francisco, CA 94104-1205 )

WELLS FARGO BANK, N.A., )
One Home Campus )
Des Moines, IA 50328 )

Defendants.

Below is a partial list of the identical violations/crimes these huge corporations committed or you cans ee the full settlement at :



·       imposing force-placed insurance without properly notifying
the borrowers and when borrowers already had adequate coverage;
·       providing borrowers false or misleading information in
response to borrower complaints;

·       failing to maintain appropriate staffing, training, and
quality control systems.

·       In the course of their conduct, management, and oversight of foreclosures, the Banks violated FHA and MHA foreclosure requirements
·       In the course of their conduct, management, and oversight of foreclosures in the plaintiff States, the Banks have engaged in a pattern of unfair and deceptive practices
·       failing to respond to borrower inquiries;
·       providing false or misleading information to consumers
while referring loans to foreclosure during the loan modification application process
·       providing false or misleading information to consumers
while initiating foreclosures where the borrower was in
good faith actively
·       providing false or misleading information to consumers
while scheduling and conducting foreclosure sales during the loan application process and during trial loan modification periods;

·       misrepresenting to borrowers that loss mitigation programs
would provide relief from the initiation of foreclosure or further foreclosure efforts

·       failing to provide accurate and timely information to
borrowers who are in need of, and eligible for, loss mitigation services, including loan modifications;

·       misrepresenting the identity, office, or legal status of the
affiant executing foreclosure-related documents;

·       inappropriately charging servicing, document creation,
recordation and other costs and expenses related to foreclosures; and

·       inappropriately dual-tracking foreclosure and loan
modification activities, and failing to communicate with borrowers with respect to foreclosure activities.


·       The Banks failed to address dysfunctions in their QC system.

·       The FHA has paid insurance claims relating to mortgages insured by FHA based on the Banks’ false certifications that they had properly established and functioning QC programs. The FHA would not have made a financial commitment to pay such mortgage insurance if it had known about the Banks’ QC failures.

The evidence you’ve just seen is part of many more patterns of life threatening crimes that are posted at :
Sincerely,
Barry Schmittou
barryschmittou@live.com