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Couple Loses Home To Bank They Thought Was Helping Them: CitiMortgage October 28, 2016 9:55 PM Dallas/ Fort Worth

Citimortgages bank logo

GRAPEVINE TX(CBS11) – Elizabeth and David Ball have 21 years of memories at their Grapevine home. Elizabeth recalled the time her kids learned how to ride a bike or where they skateboarded. Every street corner has memories, but they don’t have their home.

The couple told CBS11 they lost their home to a bank they believed was helping them keep it. They said the whole process caught them by surprise.


In 2014, Mr. Ball lost his job. He took up a freelance job with an unsteady income. They decided to modify their mortgage loan which would lower their monthly payments. “We didn’t want to have to dip into our savings,” Elizabeth Ball said.

They called CitiMortgage, their mortgage company and started their loan modification process. “In one of the conversations, I was like should I make a house payment?” Elizabeth recalled asking the bank representative on the phone. “They were like no! Don’t do that because that will confuse the issue, that will really mess things up.”
Read more Citimortgage

Homeowners Claim They Were Burglarized By Their Banks Posted on October 29, 2016 by Neil Garfield

MORRIS, NJ (CBSNewYork) “Being burglarized is among a homeowner’s worst nightmares.

Now, imagine the intruder is actually sent there by your bank. Those break-ins happen more often than you might think. “All the cabinets were open, everything was in disarray,” Davide Adier recalled. What’s worse say owners is the realization that their mortgage holder the bank, not a burglar may have been responsible.

Wells Fargo bank logo

How is this happening?

As CBS2’s Maurice Dubois reported, if you miss a couple of mortgage payments the bank could send someone to see if the property was abandoned, all perfectly legal.

After foreclosure proceedings start, the bank could go back to change the locks; with a court order this is legal.

Here’s the problem; homeowners say their homes were never abandoned, there was no court order, and they were actually in the midst of renegotiating their mortgages when their banks broke in. That isn’t legal.

“The question is, why would a bank deem a house abandoned, when it wasn’t abandoned and then eventually break into a house,” attorney Josh Denbeaux said.

Experts said sometimes it’s a mix up or a mistake, but Denbeaux — who specializes in foreclosure cases — believes it’s intentional.

He said the practice is well known within the industry as a ‘trash and lock out’ — ‘trash’ because the home needs to appear to have been vandalized before the locks can be changed.

“It takes money to service a loan. It takes money to track people down, knock on doors, go to court, get the order. Banks don’t want to spend money, they want to make money,” he said.

Adier admits, after the death of his father payments on his childhood home in Morris Township, New Jersey were skipped, but maintains he was in contact with Wells Fargo and working things out.

He said it came as a complete shock when the locks were changed, and even more of a shock when he found some of his father’s possessions including a diary about his father’s escape from the Nazis gone.

“I’m angry, I feel violated,” he said.

In a statement, Wells Fargo told CBS2 “Under the terms of the loan we have the right to secure a vacant and abandoned property in order to protect and preserve the property.”

Ari Jolovitz and his wife said they too missed payments on their Ohio home, but were in the process of refinancing with Citizens Bank when they found the locks changed and furniture missing.

In a statement the bank said they would not comment on ongoing litigation.

Attorney Phil Vinick who is handling yet another case in New Jersey said the bottom line is that laws are being bypassed. “This kind of thing should not happen in the United States at all,” he said.

The homeowners are now suing the banks, similar suits are pending across the country.

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