Make A Mortgage Complaint With The Consumer Financial Protection Bureau

Moe Bedard

Call 1-800-779-4547
Staff member
Loan Safe Mortgage
Aug 10, 2007
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Southern California
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The Consumer Financial Protection Bureau (CFPB) by design is supposed to handle all consumer complaints due to the authority of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Mortgages and other financial loan services such as bank accounts, student loans and other consumer loans are recent additions that go into the CFPB's complaint department, as they were included to be handled in 20012. In 2013, money transfers, debt collections and payday loans were added, but the Bureau began their complaint department in 2011 with credit card complaints. As you can see, the Bureau is always updating its complaint handling capabilities to better aid all consumers.

When complaints are made, the CFPB expects Companies to:

- Respond within 15 days
- Describe what steps they have taken or plan to take
- Close all but the most complicated complaints within 60 days

Over 93% of the complaints have been responded to thus far, and only 21% of the responses have been disputed by consumers.

If you are a consumer who has made a complaint, it is important to know that companies sometimes respond through non-monetary relief. Around 1 out of 3 complaints are responded to this way, and about 11% of complaints have been categorized in this fashion already.

Non-monetary relief that consumers have been offered include:

1. Foreclosure alternatives

These alternatives help borrowers stay in their home.

2. Debt collector protection

This is where the CFPB works to get debt collectors to stop excessively contacting consumer.

3. Restored lines of credit

In this situation, consumers can have their credit lines restored or removed if desired by the consumer.

4. Credit report corrections

Credit bureaus have either fixed errors on credit reports by completely removing the information or changing the entry to the proper history.

5. Better customer service

Many complaints stem from unanswered inquiries or incorrect information. When the CFPB steps in customers have had their formerly unmet needs resolved.

Monetary relief for the 7% of consumers that made such a complaint includes:

- A median amount of $460 for mortgages;
- A median amount of $126 for credit cards; and
- A median amount of $111 for bank accounts or services.

Consumers can access public information through the CFPB's Public Consumer Complaint Database which can be found at this CFPB link.The function of this database is to enable the public to see what is being complained about and why. All complaints are listed in the database once the company responds or after the company has not responded within 15 days; Whichever comes first. Companies also have the right to present that the complaint has been wrongly identified. This right must be within the 15 day period. Updates are made nightly.

Complaints can be submitted at http://www.consumerfinance.gov/complaint/. Anyone can also call them toll-free at 1-855-411-CFPB (2372) or TTY/TDD phone number at 1-855-729-CFPB (2372); Or fax them at 1-855-237-2392.

If this does not help unbiased answers can be found by calling 1-855-411-CFPB (2372).

CFPB mailing address: P.O. Box 4503, Iowa City, Iowa 52244

Remember there is a difference between a typical complaint and being a victim of fraud. Scams and fraud schemes are very serious matters that need to be reported as soon as you identify the problem. You can check out a variety of other federal sources listed below to report fraud crimes.

Financial Fraud Enforcement Task Force

US Government Accountability Office

United States Computer Emergency Readiness Team

FTC

Attorney General by state

If you don't know where to begin with making a complaint or reporting a crime, you can post it here on the LoanSafe online forum. We strive to get only accurate information out to consumers on a daily basis through news, useful knowledge and reports such as this post.
 

Jeffrey L. Shurtliff

LoanSafe Member
Dec 4, 2010
3,823
139
63
I filed some complaints with them. They never get back with you. I called them and asked them why. They said after 60 days they drop the case after they have the bank report they did nothing wrong. They are bank owned just like the OCC. The banks call the shots here, this CFPB is a smoke screen agency. The House Financial Committee follows me on twitter and they want the CFPB. dissolved. Dodd Frank is keeping this self employed individual from buying a house.
 

Moe Bedard

Call 1-800-779-4547
Staff member
Loan Safe Mortgage
Aug 10, 2007
26,841
466
1,000
48
Southern California
www.loansafe.org
I guess things never change do they Jeffrey? No wonder I have been attacked since day 1 of operating LoanSafe. I assume Google is in with the banks as well. Our LoanSafe rankings in the search engines have been hit as well.

When you look at it from every angle, this is con-sprit-cy to literally dismantle the Middle Class entirely as they take out ALL the little guys and gals who do not comply.
 

Jeffrey L. Shurtliff

LoanSafe Member
Dec 4, 2010
3,823
139
63
No Moe they have not. Those in control do not like this site. The lawyers in my quiet title suit against Freddie Mac were also the same lawyers for Wells Fargo. They brought up my participation in this site ;with me in my dealings with them. It is all government corruption and it is that pesky piece of paper called a Constitution, that is probably keeping all who resist the system out of Jail. As long as the majority of the people are kept happy, the corrupt officials and institutions will still be in control. I have learned much in my years of litigation and the National Associations who have the money, control us through our representatives and senators. I have actually typed a pretty good lawsuit against the OCC showing non compliance with Title 12 section 1 USC . Not going to file it as the same lawyers will appear. The government has control over all of the Social Media. I find Twitter is a good way to continue the attack by creating hashtags. They block me and I create more of them. Keep up the good work here Moe! I will be hanging around.
 

Moe Bedard

Call 1-800-779-4547
Staff member
Loan Safe Mortgage
Aug 10, 2007
26,841
466
1,000
48
Southern California
www.loansafe.org
I appreciate your candor as always and the kind words Jefferey. Yes, complete control of every aspect of our lives and let me remind you good buddy, you don't surf the web, you get caught in it. I guess this is like shooting fish in a barrell that are stuck in a net.

Thanks for hanging around the "net" with me. :)
 
Last edited:

DupedbyPAIVA

LoanSafe Member
Apr 14, 2014
3
0
1
hello, I would like to know how I can get a "unlawful detainer" removed?... i got foreclosed on in 2008 and am still paying the price not only from my chapter 13 i had to file but now i just found out while trying to secure a new apartment that i have this unlawful detainter on file somewhere?
The property management group i applied with to rent an apartment informed me of this record they found while doing a background check, they are looking at it as an "eviction" and wont approve my application now? I told them i had a foreclosure and that i moved out voluntarily and never got served with any paper work regarding this. can anyone help?....

In 2008 I detained what i thought at the time was a legitimate loan mod attorney who turned out to be a scam artist aka (Gregory A Paiva) after our lender (Chase) refused to work with us on a Loan mod. apparently they sold our property to (US Bank) who then filed a unlawful detainer this is what im finding out from the case number i got from property mgt group.

I called the attorney's office who was listed as filing this on behalf of US Bank and was given the dates the detainer was filed and subsequently dismissed" and the dates given were after i had moved out of the home!... so wtf i asked why am i listed on it? the legal aid there of course couldn't give me an answer as she didn't know and said its something that would have to be taken up with the courthouse where the detainer was filed. this nightmare never ends! ... any suggestions?
 

Moe Bedard

Call 1-800-779-4547
Staff member
Loan Safe Mortgage
Aug 10, 2007
26,841
466
1,000
48
Southern California
www.loansafe.org
Hello
hello, I would like to know how I can get a "unlawful detainer" removed?... i got foreclosed on in 2008 and am still paying the price not only from my chapter 13 i had to file but now i just found out while trying to secure a new apartment that i have this unlawful detainter on file somewhere?
The property management group i applied with to rent an apartment informed me of this record they found while doing a background check, they are looking at it as an "eviction" and wont approve my application now? I told them i had a foreclosure and that i moved out voluntarily and never got served with any paper work regarding this. can anyone help?....

In 2008 I detained what i thought at the time was a legitimate loan mod attorney who turned out to be a scam artist aka (Gregory A Paiva) after our lender (Chase) refused to work with us on a Loan mod. apparently they sold our property to (US Bank) who then filed a unlawful detainer this is what im finding out from the case number i got from property mgt group.

I called the attorney's office who was listed as filing this on behalf of US Bank and was given the dates the detainer was filed and subsequently dismissed" and the dates given were after i had moved out of the home!... so wtf i asked why am i listed on it? the legal aid there of course couldn't give me an answer as she didn't know and said its something that would have to be taken up with the courthouse where the detainer was filed. this nightmare never ends! ... any suggestions?
Hello,

Yes, I know Gregory A Paiva and I agree with you. He even scammed me into thinking he was legit. Now his license is suspended and he cannot practice law. See here: http://members.calbar.ca.gov/fal/Member/Detail/207218

Did they file the unlawful detainer during the bankruptcy or after? Was Paiva representing you at the time?
 

Jeffrey L. Shurtliff

LoanSafe Member
Dec 4, 2010
3,823
139
63
hello, I would like to know how I can get a "unlawful detainer" removed?... i got foreclosed on in 2008 and am still paying the price not only from my chapter 13 i had to file but now i just found out while trying to secure a new apartment that i have this unlawful detainter on file somewhere?
The property management group i applied with to rent an apartment informed me of this record they found while doing a background check, they are looking at it as an "eviction" and wont approve my application now? I told them i had a foreclosure and that i moved out voluntarily and never got served with any paper work regarding this. can anyone help?....

In 2008 I detained what i thought at the time was a legitimate loan mod attorney who turned out to be a scam artist aka (Gregory A Paiva) after our lender (Chase) refused to work with us on a Loan mod. apparently they sold our property to (US Bank) who then filed a unlawful detainer this is what im finding out from the case number i got from property mgt group.

I called the attorney's office who was listed as filing this on behalf of US Bank and was given the dates the detainer was filed and subsequently dismissed" and the dates given were after i had moved out of the home!... so wtf i asked why am i listed on it? the legal aid there of course couldn't give me an answer as she didn't know and said its something that would have to be taken up with the courthouse where the detainer was filed. this nightmare never ends! ... any suggestions?
You can file with your District Court a request for the court to expunge it from your record. You will have to serve the institution with your action. You will prevail if you have no other criminal marks on your file. You should contact a lawyer about this. Good Luck ..... Jeffrey
 

DupedbyPAIVA

LoanSafe Member
Apr 14, 2014
3
0
1
Hello


Hello,

Yes, I know Gregory A Paiva and I agree with you. He even scammed me into thinking he was legit. Now his license is suspended and he cannot practice law. See here: http://members.calbar.ca.gov/fal/Member/Detail/207218

Did they file the unlawful detainer during the bankruptcy or after? Was Paiva representing you at the time?
hi, thanks for your quick reply!... yes unfortunately Paiva firm was representing me at the time, looks like the unlawful detainer was filed while we were preparing to leave the premises as we were being foreclosed on after I found out that our home was sold! all this during the time Paiva was supposed to be working out a Loan mod for us with Chase. I had to file chapter 13 after we moved out.
 

DupedbyPAIVA

LoanSafe Member
Apr 14, 2014
3
0
1
You can file with your District Court a request for the court to expunge it from your record. You will have to serve the institution with your action. You will prevail if you have no other criminal marks on your file. You should contact a lawyer about this. Good Luck ..... Jeffrey
thanks! for your reply Jeffrey, I am going to the count clerks office where it was filed and ask for a copy. and see if they show it has been dismissed as it looks like it was in 3/09. and No I don't have any criminal marks or record.
 

Moe Bedard

Call 1-800-779-4547
Staff member
Loan Safe Mortgage
Aug 10, 2007
26,841
466
1,000
48
Southern California
www.loansafe.org
hi, thanks for your quick reply!... yes unfortunately Paiva firm was representing me at the time, looks like the unlawful detainer was filed while we were preparing to leave the premises as we were being foreclosed on after I found out that our home was sold! all this during the time Paiva was supposed to be working out a Loan mod for us with Chase. I had to file chapter 13 after we moved out.
You are most welcome.

In addition to the great advice from Jeffrey, you can also look into the Client Security Fund from the California Bar.

The Client Security Fund is a public service of the California legal profession. The State Bar sponsored the creation of this fund to help protect consumers of legal services by alleviating losses resulting from the dishonest conduct of attorneys.

The amount the fund may reimburse for theft committed by a California lawyer depends on when the loss occurred. A maximum of $50,000 is reimbursable if the loss occurred before January 1, 2009. A maximum of $100,000 is reimbursable rules if the loss occurred on or after January 1, 2009.

Applications for reimbursement are considered under rules that govern the Fund. For applications filed prior to January 1, 2010, the Rules of Procedure, Client Security Fund Matters apply. For applications filed on or after January 1, 2010, the new Client Security Fund rules apply.

Reimbursement covers the loss of money or property resulting from lawyer dishonesty (but not because the lawyer acted incompetently, committed malpractice or failed to take certain actions).

To qualify for reimbursement, you must be able to show that the money or property actually came into the lawyer's possession and that the loss was caused by the lawyer's dishonest conduct.

For more information about the Client Security Fund, please return to the Client Security Fund Links, or call the Client Security Fund's office in Los Angeles at 213-765-1140.

http://www.calbar.ca.gov/Attorneys/LawyerRegulation/ClientSecurityFund.aspx