Becoming American( formerly Life in the United States & the Philippines-1960 to the Present): Consumer's Complaints Against Banks and Mortgage Lenders

WELCOME TO MY SITE AND HAVE A GOOD DAY

Welcome to Las Vegas, Nevada- the Gambling Capital of US and the City that never sleeps! So, what has this city have to do with this site. The answer is none. I just love the photo, I took during our vacation to this city a couple of years ago. In this site, you will find articles from my autobiography, global warming, senior citizens issues, tourism, politics in PI, music appreciation and articles about our current experiences as retirees enjoying the "snow bird" lifestyle between US and the Philippines. Your comments will be highly appreciated. Some of the photos and videos on this site, I do not own. However, I have no intention on infringement of your copyrights. Cheers!

Thursday, July 3, 2014

Consumer's Complaints Against Banks and Mortgage Lenders

Last month while I was thinking of refinancing my home mortgage loan, I received numerous calls from several mortgage lenders and 3 major banks personnel convincing me to do business with them. My first action was to go on-line and check for complaints on the specific mortgage lender and banks. My research showed some shocking results, showing that my current lender ( who just recently took over my mortgage) has numerous complaints. There is even a current Facebook page with the title " Name of Mortgage Company Sucks" followed with the subtitle stating it is an EVIL mortgage company. In addition the major bank where I have my checking account showed also numerous complaints from mortgage consumers primarily based on their past acquisition of now a defunct mortgage lender.

I was so apprehensive on what my current lender would do to my account when just recently my payment via electronic bill payment was credited to a wrong account and therefore I received a letter that my account was past due and charging me interest.

However my bank statement showed that my two mortgage payments have been paid and received by my new lender (after my old mortgage lender sold it to my current lender only last April).

Luckily after talking to a supervisor, my two payments were finally credited to my account after about 2 weeks of calling and sending the required information demanded by my new lender which to me was not necessary, because I gave them the account number where my payment was wrongly sent.

Do you have a complaint with your mortgage company or loan servicer? Lots of people do, and thousands of them have been turning to a Federal complaint hotline for action — or at least a quick response from the lender.. Call 855-411-2372

The Consumer Financial Protection Bureau (CFPB) opened up its bulging online complaint hotline files to public view last year, and the contents are startling: Though the CFPB’s complaint window is open to various financial disputes — credit cards, student loans, credit reporting agencies, bank loans to consumers — by far the biggest source of complaints is home mortgages. Nearly half of all disputes reported to the agency by consumers are mortgage-related — problems with payments, escrow accounts, servicing, Federal Housing Administration and conventional loans, home equity lines, second mortgages, reverse mortgages, loan modification delays, application foul-ups and the like.

If you have a complaint you can also report it on the website below:

http://www.consumerfinance.gov/complaint/

In addition if you feel that you have been the victim of a discriminatory lending transaction, you can file a complaint with the Federal Trade Commission (FTC) by calling 1-877-FTC-HELP (1-877-382-4357) or by using their Online Complaint Assistant. The FTC has enforcement authority in the case of mortgage companies for the following laws:

Equal Credit Opportunity Act (ECOA)
Truth in Lending Act
Fair Credit Reporting Act

You may also use the following resources to file a complaint:

Consumer Financial Protection Bureau (CFPB)
State/local consumer protection agencies

Foreclosure Scams

If you feel you are the victim of a foreclosure scam, you may contact the HOPE NOW Alliance at 1-888-995-HOPE (1-888-995-4673) or (TTY). Call 1-877-304-9709, for more information on how to lodge your complaint.

Predatory Lending

Getting the right mortgage can be difficult. For instance, consumers can become victims of predatory lending, which is the practice of convincing borrowers to agree to unfair and/or unprincipled loan terms. Federal and state governments enact many laws to prevent predatory lending. You may wish to view local information on predatory lending from the Department of Housing and Urban Development (HUD).

Reference:http://1.usa.gov/179ptsw

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ABOUT ME

I am a retired (Chemistry Team Leader from USFDA) Filipino-American who loves writing, gardening and photography. My wife ( of 59 years) and I enjoy the snowbird lifestyle between the US and the Philippines. We have a small but very private beach resort in the beautiful island of Marinduque, Philippines. I have several blog sites (ten), a personal blog, blogs about Marinduque and about our beach resort and conference center-CHATEAU DU MER. I have also a writing account for Hubpages.com. I will appreciate very much any comments on my postings.

Genealogy of the Balleza and Katague Surnames

Several years ago, I started a genealogy of my mother's last name- “Balleza”. I was able to trace it back to the 15th century. The name originated from Bilbao, Spain. I then traced it to Mexico, then to US in Texas and then to the Philippines. I was able to locate a town in Mexico named Balleza, in the state of Chihuahua. The town was founded in 1640 and named after Fr. Mariano Balleza ,a Spanish friar.. I was able also to communicate with a radio announcer in Houston, Texas whose family name is also Balleza. I also found several Balleza families in Googles and recently in Face Book. Note that the name is similar to another name in the Philippines “ Belleza”, a Spanish word which means beautiful. But “Balleza” and “Belleza” are two different names in the Philippines. I am happy and satisfied with the origin of my mother's last name. When my mother was still alive, she told me that her grandfather was a Spanish soldier that participated in the Spanish colonization of the Philippines (1565 -1898). Today, I am curious on the genealogy of my father's last name. When my father was still alive, his last named was spelled with a “C” instead of the “K”. He changed it with the “K” when he was in high school. My father has two brothers who also changed it to start with a “ K”. But all of my father other relatives as far as I know has not change it. So there are a lot of “Catague's” in the Philippines, that are my relatives. The famous Catague is a painter named Fernando. His paintings are exhibited in the museum of Iloilo and Manila. My father has informed me that Fernando is a relative and originally was from Antique. . In the Philippines, I know there are Katagues in Iloilo, Negros Occidental, Bohol, Antique, Cavite and in Mindanao. I also found there is a Katague in Brazil from Googles. I just recently meet a niece in Face Book from Vancouver, B.C. She is the daughter of my first cousin from Bacolod, Negros Occidental. There are several Katagues in Face Book, and one in Twitter, but I do not know if we are related. Incidentally, there is a town in Bohol, named “Catague”. I am curious, how the town got its name, but I do not have the time to do research on it. If you know, please let me know. It will be highly appreciated.

There are several variations of the Katague name. These are: Catague, Catage, Catagi, Katagi, Katage, Kataque and Kata Gue ( from Indonesia). I know of a Japanese chemist with surname of Katagi. It may be true that Katague originated from Japan from the surname Katagi as my father once mentioned. So if your last name is any of the above or if you are married to someone with any of the names above, we may be related. I will appreciate if you contact me in Face Book or in this site. I will be delighted to meet you on line or in person.

Genealogy of the Nieva Clan-Macrine's Maternal Side of the Family

It is summer time and time for family reunions. The Nievas of the World will probably be have a reunion in the Philppines or here in US sometime this year or next year. Hopefully, Macrine and I could attend this time.

Macrine Nieva Jambalos and husband, David Balleza Katague of Marinduque and Northern California toasting champagne during their Golden Wedding Anniversary, Boac, Marinduque, Philippines,2007 In 2003, there was a reunion of the Nieva clan in the Philippines organized by Rene Elizalde Nieva, Macrine's first cousin. We were invited but not able to attend. Rene wrote in his invitation that he is in the process of writing a book about the Nieva clan. He said the book will be privately published with limited printing which will include a general history starting on the possible roots of the Nieva family as well as the achievements of various members of the clan and their contribution to the betterment of Marinduque and of the Philippines. As of this writing date, I have not heard on the status of Rene's book. In his invitation he invited all the direct and indirect descendants of the children and spouses of Calixto Nieva and Epifania Morente. Note that Rene is the great-grandson of Calixto Nieva and Macrine is also the great-granddaughter of Calixto Nieva , thus Rene and Macrine are first cousins. I just can not believe that my six grand children are now the great-great-great grand children of Calixto Nieva and Epifania Morente. Calixto and Epifania Morente had six children, four boys and two girls as follows (from oldest to youngest) along with their spouses. 1.Juan Nieva had two wives. The first wife was Isabel Decena. When Isabel died Juan remarried Elvira Sarmiento. Juan Nieva is both Macrine's and Rene's grandfather. He was the first governor of Marinduque and also the grandfather of the outgoing Governor. Rene and Macrine are first cousin of Jose Antonio (Bong) Nieva Carrion, the outgoing Governor of Marinduque. 2.Victoria Nieva married Doroteo Mercader 3.Dionisio Nieva married Salud de la Santa 4.Gregorio Nieva married Maria Arevalo 5.Jose Nieva married Trinidad Carmona 6.Rosita Nieva married Dr Angel Mayuga Rene's invitation also included the descendants of the brothers of Calixto, namely Pedro and Francisco Nieva. It also included the brothers and sisters of Epifania Morente, which included not just the Morentes but also the Roceses, Abadas, Trinidads and the Kasilags. Incidentally, the Reyeses are second cousins of Macrine and the other Nievas of Marinduque. This article will concentrate on the descendants of Juan Nieva and his two wives, Isabel Decena from Santa Cruz and Elvira Sarmiento from Buenavista.. Children of Juan Nieva and Isabel Decena ( from Oldest to Youngest) 1.Calixto Nieva married Juanita Jambalos 2.Blanca Nieva- single was killed by the Japanese during World War II 3.Elena Nieva married Bernardo Jambalos, Jr ( brother of Juanita) Children of Juan Nieva and Elvira Sarmiento(from Oldest to Youngest) 1.Guillermo ( Willie) Nieva married Dr Celina Elizalde 2.Rosario Nieva married Ramon Carrion 3.Ester Nieva married Rafael Seno 4.Monica Nieva married Conrado Luarca 5.Elizabeth Nieva married Romulo Santo Domingo 6.Asuncion Nieva married Dr. Rafael Ocampo 7.Fr Constantino Nieva- single For the purpose of this article, I will discuss only the descendants of Elena Nieva and Bernardo Jambalos, Jr. They have seven children as follows: ( From Oldest to Youngest) 1.Macrine Nieva Jambalos- married David B Katague from Iloilo ( that's me) 2.Sister Guia Jambalos- Order of the Cenacle-single 3.Bernardo Jambalos III married Loreta Mercader 4.Fe Jambalos married Edgardo Lazarte 5.Edgar Jambalos ( deceased) married Asuncion Pagalunan 6.Jean Jambalos married Mitch Maeda 7.Rosario Jambalos married Michael Levin Note that Rene Nieva is the oldest son of Guillermo Nieva and Dr. Celina Elizalde. The younger brother of Rene, Yong is my partner in our literary project, I left my Heart in Marinduque ( not San Francisco). http://marinduqueonmymind.blogspot.com Macrine's telephone buddy and first cousin from Vancouver, BC, Canada Olga Luarca Quiazon is the oldest daughter of Monica and Conrado Luarca The outgoing governor of Marinduque is the second son of Rosario Nieva and Ramon Carrion This posting continues with the offspring of Macrine Jambalos and David B. Katague. They have 4 children and six grandchildren as follows: 1.Dodie( Diosdado) Katague married Ruth Carver- They have 3 children, Philip Winchester, Alexandra and Marina Katague 2.Dinah E Katague married David E King- They have 2 children, Ian and Elaine King 3.David E III-single 4.Ditas Macrine Katague married Nick Thompson- They have one child, Carenna Nicole Thompson Fe Jambalos has two daughters, Lanie and Ella Jean Jambalos has two daughters, Yuri and Yuka Rosario has two children, Carlos and Zehara Asuncion and Edgar( deceased) Jambalos has three sons, Edmund, Nonoy and Jhun-Jhun and a daughter, Marilyn Bernardo Jambalos III has five children and three grandchildren as of this writing date. Accomplishments of the children of David B and Macrine J. Katague are discussed in detail at http://theintellectualmigrant.blogspot.com Some Interesting Vignettes: The marriage of Calixto and Juanita Jambalos was not approved by their father Don Juan Nieva. Juanita was the daughter of a barrio businessman from Laylay. During those time, if you are from the barrios, you are not welcome or accepted to the social group of the main town of Boac. The Jambalos family although well off were considered TAGABUKID ( from the bonies). Don Juan Nieva wanted his lawyer son to marry Enriqueta Nepomuceno, one of the popular socialites in Boac. When Juanita died, Calixto did not marry again. Soon Calixto also died and every one in town claimed he died with a broken heart. Enriqueta in the meantime was waiting for Calixto. Enriqueta never married and died as a spinster. Blanca Nieva graduated from Nursing School at Philippine General Hospital and was earning well. When their father died, she helped in sending her half-sister Rosario to College. She supported her sister and spoiled her by dressing her up to maintain her place in the high society of Boac at that time. Elena, is the third child of Isabel Decena from Santa Cruz. Isabel died giving birth to Elena. Elena was therefore nursed by the sister of Isabel, Regina Decena Reforma. Elena and Policarpio Reforma ( son of Regina) shared the same breast milk of Tia Regina. When Elena was five years old, she and sister Blanca as well as brother Calixto, were brought to Boac where their father Juan Nieva remarried Elvira Sarmiento from Buenavista. Elena grew up under the care of Lola Victoria ( sister of Juan Nieva). They lived in the old Nieva Building at the foot of the hill leading to Mataas Na Bayan. Elena later went to college at the University of the Philippines and finished her Bachelor Degree in Education. When Juanita Jambalos-Nieva( wife of Calixto) died during childbirth, Elena and Bernardo Jambalos II ( brother of Juanita) were made in-charged of bringing the corpse from Manila back to Marinduque. During the trip, people mistook them as husband and wife. Their romance started then and later were married at the Boac Catholic Church. Today, if I had to guess, there should be more than seven hundred members of the Nieva clan, just based on the six children of Calixto Nieva and Epifania Morente all over the world. If you include the descendants of Pedro and Francisco Nieva, the two brothers of Calixto, it could reached to more than a thousand Nievas all over the universe. If you are a member of this clan, please let me know. Someday, I may be able to trace the Nieva genealogy all the way to Spain, as I did with my mothers name "Balleza", several years ago. My e-mail is in this site and I am also in Face Book.

Death Valley National Park

Death Valley National Park is a national park located east of the Sierra Nevada in the arid Great Basin of the United States. Parts of the park are in southern Inyo County and northern San Bernardino County in Eastern California, with a small extension into southwestern Nye County and extreme southern Esmeralda County in Nevada. In addition, there is an exclave (Devil's Hole) in southern Nye County. The park covers 5,262 square miles (13,630 km2), encompassing Saline Valley, a large part of Panamint Valley, almost all of Death Valley, and parts of several mountain ranges. Death Valley National Monument was declared a U.S. National Monument in 1933, placing the area under federal protection. In 1994, the monument was redesignated a national park, as well as being substantially expanded to include Saline and Eureka valleys. It is the hottest and driest of the national parks in the United States. The second-lowest point in the Western Hemisphere is in Badwater Basin, which is 282 feet (86 m) below sea level. The park is home to many species of plants and animals that have adapted to this harsh desert environment. Some examples include creosote bush, Bighorn Sheep, Coyote, and the Death Valley Pupfish, a survivor of much wetter times. Approximately 95% of the park is designated as wilderness. Its wilderness area covers 4,774 square miles (12,360 km2), making it the largest in the Lower 48 states, and the sixth largest in the United States overall. Death Valley National Park is visited annually by more than 770,000 visitors who come to see its diverse geologic features, desert wildlife, historic sites, scenery, and clear night skies. Mining was the primary activity in the area before it was protected. The first documented non-Native Americans to enter Death Valley did so in the winter of 1849, thinking they would save time by taking a shortcut to the gold fields of California. They were stuck for weeks and in the process gave the valley its name, even though only one of their group died there. Several short-lived boom towns sprang up during the late 19th and early 20th centuries to exploit minor local bonanzas of gold. The only long-term profitable ore to be mined, however, was borax, a mineral used to make soap and an important industrial compound. Today, borax is an essential component of high-temperature resistant boro-silicate glass products, for example Pyrex cookware. Twenty-mule teams were used to transport ore out of the valley; helping to make it famous and the subject of books, radio programs, television series, and movies.

The natural environment of the area has been shaped largely by its geology. The valley itself is actually a graben. The oldest rocks are extensively metamorphosed and at least 1.7 billion years old. Ancient warm, shallow seas deposited marine sediments until rifting opened the Pacific Ocean. Additional sedimentation occurred until a subduction zone formed off the coast. This uplifted the region out of the sea and created a line of volcanoes. Later the crust started to pull apart, creating the current Basin and Range landform. Valleys filled with sediment and, during the wet times of glacial periods, with lakes, such as Lake Manly.

Note: This is No.9 of the series of articles on popular national parks in US.