Complaint Review: National City Bank Mortgage - Dayton Ohio

In April of 2000 I paid off my house. I had never paid off a house before, so I didn't realize that there was to be paperwork to come to me (release of mortgage.)

Jan 8th 2001 I received a summons for a foreclosure. LOL I thought that was strange, since I didn't have a mortgage at the time..

well I started calling and found it very difficult to get a 'live' person , let alone one that had any authority in such a strange matter. To make matters worse, by either merger, or outright sale, my (nonexistent) mortgage was bought and sold 5TIMES! A MOVING TARGET!! It ended up with National City Bank in 2004.

After many months searching for a voice of reason in a Terminal Hold and 'accidentally hung-up' world. I got them to drop the foreclosure in Oct 2004, and sat back and waited for my Release of Mortgage.

after Several months, I visited them in person, with copies of all my documentation The girl behind the Bullet proof window ( AND WE KNOW WHY IT IS BULLET PROOF!!) asked, "May I help you?" Me: "yes, I need to get my release of Mortgage" Her: " OK, has it been 90 days?" Me: "Yes, 5 years actually. And Id like to talk to a Supervisor." Her: " wow! please take a seat and I will get someone for you"

So I took a seat and waited over an hour. after complaining about the wait, a little girl of NO MORE than 18 yrs of age ( I would swear 16 but she must have been 18 to work there) came out and I protested that I had asked to talk to a boss, she that she was just there to receive my paperwork I had brought to give them. I coulda done that with the girl at the window...

After waiting a couple of months, and numerous phone calls not returned, They sued me for foreclosure again-!!

This time I got an Attorney and after negotiations, he said it looked like in the 6 yrs after I paid off my house, they had paid out $17,000 in Taxes and insurance, (even though I was calling ALL the time telling them not to) and since I hadn't paid it, ( I couldn't stop them from paying it, and saw no reason to pay it double, though in hindsight I wish I had) He suggested I re-imburse them 11,000. we agreed and they were to file this agreement by July 15th.

HERES WHERE I GET RIPPED OFF EVEN WORSE THAN BEING CHEATED OUT OF MY CLEAR TITLE! I applied for and GOT a 35K Mortgage to pay them the 11K and a lil xtra.

They were to file the agreement entry by July 15th. My Mortgage was approved. they knew that , and PURPOSLY DIDNT FILE THE ENTRY TILL OCTOBER!! MY APPROVED MORTGAGE EXPIRED, ( THE CHECKS WERE ONLY GOOD FOR 90 DAYS!!)

I then applied for another mortgage and they said with my credit score, I had to take out $50K. Ok ? it was all but approved, however NATIONAL CITY SENT A NOTICE TO THE TITLE COMPANY THAT MY HOUSE WAS IN ACTIVE FORECLOSURE EVEN THOUGH, WITH THE AGREED SETTLEMENT, IT WAS NOT! CO**-BLOCKED AGAIN BY NATIONAL CITY!!!

Between two foreclosures and making me walk away from a APPROVED mortgage, Sending false documents to title companys, my credit score is now down to 525 and I am NOW UNABLE to get financing.I told my attorney I wanted him to withdraw my offer to settle, and I got a nasty letter from him saying I agreed to the terms and had to either find financing or sell my house.

So sadly after living here for 30 years, raising 3 kids, and burying two, all the happy times, making this house just how I wanted it, all the memories, I will now lose it all. THANK YOU NATIONAL CITY< AND MERRY CHRISTMAS.

Jay

dayton, Ohio
U.S.A.