AFTER SEVEN MONTHS THE CFPB MADE OCWEN LLP STOP BLOCKING MY SON'S SURGERIES VIA CREDIT SCORE MANIPULATION AND UNJUSTIFIED ATTEMPTS TO REVERSE A LOAN MOD WITH A PERFECT PAYMENT HISTORY. WITHIN AN HOUR FARMERS INSURANCE TOOK UP WHERE OCWEN LEFT OFF, INSISTING JAMES TRY TO SURVIVE IN TOXIC MOLD THEY REFUSED TO ACCEPT RESPONSIBILITY FOR IN SPITE OF REPORTS FROM MOLD EXPERTS. THEN HERO AND PETERSEN DEAN BLOCKED JAMES' SURGERIES AND UNIVERSAL FLOOR SOURCE JOINED THE CLUSTER OF CRIMINALS ATTACKING US
OCWEN is not required by FCRA to place a remark in the remark section of credit reports. That is OPTIONAL. OCWEN is misrepresenting FCRA by insinuating FCRA supports what OCWEN is doing.
In fact, OCWEN can deliberately manipulate a customer's credit score by reporting the loan has a zero balance when that is not true, forcing the customer to "dispute" the untrue information. Then when the untrue info is removed by OCWEN, OCWEN can add in the remark section that there was a "dispute" and this comment will lower the score 30 points or more. Thus an OCWEN "error" gives OCWEN an opportunity or excuse to add a comment that will lower the clients credit score and make that client unable to refinance at the interest rate they deserve. OCWEN profits financially by making "errors" and then inserting in the optional comment section of clients credit reports that a "dispute" has been resolved. OCWEN knows that putting the word "dispute" in the OPTIONAL comment section dramatically lowers the credit score. OCWEN is guilty of deliberate manipulation of credit scores. Other creditors make errors and correct them when the dispute process brings attention to the error, but other creditors do not use the comment section of the credit report to try to profit financially from their own error like OCWEN began doing on my report after they threatened to reverse my 2010 loan modification. For seven months OCWEN began playing with the optional remarks section of my credit report, making my score go up and down like a yo yo. When caught doing this, OCWEN asked the CFPB to believe there is a law on the books requiring OCWEN to use punitive language in the OPTIONAL remarks section of my credit report. OCWEN maintains that FCRA requires OCWEN to mention in the optional remarks section of my credit report that there was a "previous dispute" (caused by blatant OCWEN error such as reporting my loan was paid in full by a mysterious stranger when it was not), OCWEN then blames FCRA for OCWEN placing a score lowering remark about a dispute OCWEN generated. OCWEN claims they are FORCED BY LAW, FORCED BY FCRA to profit financially from the errors OCWEN makes.
I paid my loan on time for six years. OCWEN still managed to lower my credit score by reporting an error and then placing the word "dispute" in the comment section on my credit report, which all the bureaus informed me was the reason my score dramatically dropped.
This is no accident. OCWEN has made a science out of credit score manipulation. OCWEN has discovered a way to financially harm and profit from a loan in perfect standing. Even if you pay your loan on time for six years, OCWEN can make your credit score plummet 30 to 90 points by placing comments in the optional remarks section of your credit reports that refer to "disputes" that were generated by OCWEN "errors". All OCWEN has to do is make a random error, then when the customer reports the error, OCWEN moves in for the kill by adding a score lowering comment to the report in the optional comment section and saying they are only obeying FCRA, that they are required by some mysterious no name law to lower credit scores this way and prevent their customers from being able to refinance and escape OCWEN'S financial prison system. Even loans with perfect payment history have no hope in the OCWEN system. OCWEN should be barred from serving loans due to credit score manipulation practices.
OCWEN is making a false claim that it is required by law to place a punitive remark on credit reports of homeowners who received grants from KEEP YOUR HOME CALIFORNIA. The issue of a statement being true or false is not what my complaint addressed. OCWEN is attempting to convince the CFPB that the issue is whether or not a statement is true. The issue OCWEN was asked to respond to concerns the remark section of credit reports not requiring by law that ANY remark be placed. It is optional to place a remark. OCWEN is deliberately using the optional remarks section to lower credits scores so customers cannot refinance at lower rates with other companies. OCWEN is abusing the optional remarks section of credit reports for OCWEN'S financial gain. OCWEN forces even customers who always pay on time to be stuck with higher interest rates. Other banks are not trapping their customers with these ploys. Just because a statement is true does not mean there is a law mandating that it must be tacked on to customer's credit reports. OCWEN has not cited the exact so call "law" that forces them to take punitive measures against homeowners with loans in perfect standing. OCWEN benefits financially by claiming there is a law forcing them to do this punitive action but OCWEN does not provide the law in question. OCWEN invents non-existent laws to get away with what amounts to financial crimes against home owners.
CFPB Case number:
160821-000180 OCWEN SHOULD BE BANNED FROM LOAN SERVICING IN THE STATE OF
CALIFORNIA AND IN THE UNITED STATES OF AMERICA
8-21-2016
What happened
Describe what happened
so we can understand the issue...
OCWEN Loan Servicing LLP
is violating my rights as a US Citizen. OCWEN began an all out attack on my
loan in good standing after they posted $76,700 I was awarded by Keep Your Home
California and $5000 HAMP incentive that I earned by never being late on my
loan for six years. Stephanie Buls from the OCWEN Ombudsman office was so
jovial when she told me that my name being removed from the loan was not the
worst of it, that my assumption of the loan being reversed was not the worst of
it, that reversing the loan modification of 2010 that was made when the loan
was being serviced by ONE WEST was in the works. I refused to speak with
Stephanie Buls after that conversation because she talked down to me and seemed
as excited and joyful as a soccer fan as she relayed to me all the terrible
things OCWEN was going to do to me. Her tone of voice was jovial, full of joy,
excitement and passion, as if she was engaged in blood sport and really getting
off on delivering bad news.
Reversing the loan
modification of 2010 was put on the back burner when I reported the reversal of
my loan assumption and my six year perfect payment history and that OCWEN was
stealing Keep Your Home California money and HAMP incentive money that I as a
home owner had applied for and earned by my perfect payment history.
The abnormal amount of
time my "Probation" period lasted feels criminal and very punitive.
It also feels punitive,
as if I am in some sort of debtor's prison that my six year perfect payment
history only seemed to annoy OCWEN and make them try harder to find ways to
punish me, lowering my credit score with an assortment of different
"optional" remarks that carry hefty score lowering clout, causing my
score to drop 90 to 30 points as soon as the optional remarks were added by
OCWEN. Each time Ocwen would claim the remarks were "Mandatory" even
though all the bureaus said they were completely "Optional" and each
time the remarks were different.
Matthew Parker became my
next point of contact in the Ocwen Ombudsman's office. In a soft spoken,
serious voice he would send me on back to back wild goose chases to verify if
the accusations he made against Transunion, then Equifax, then Transunion again
were true or false. It was a great burden on me to write letters, make phone
calls and check out the accusations and in each case what Matthew Parker
claimed was caused by Equifax or Transunion was in fact caused by OCWEN. Mr.
Parker would make serious accusations against Equifax, accusing them of
changing the Transunion score. I told him that from now on he needed to put his
accusations in writing. He did put in writing that OCWEN puts score lowering
statements on MANY Ocwen accounts, remarks that are optional but OCWEN has made
a mandatory internal policy to lower scores however they can. Mr. Parker told
me many of the "errors" he corrected could "happen again" and
he would fix them again. I contacted his supervisor and his supervisor's
supervisor. The sheer number of times there have been "errors" on my
account since February 2016 is proof that OCWEN is either the most incompetent
organization on earth or engaging in criminal activity or perhaps both. I feel
like I have been financially kidnapped by OCWEN and denied my Constitutional
rights. OCWEN is engaging in a form of slavery. Even after OCWEN it told not to
overturn loan mods, they started the process of overturning my 2010 loan
modification. They only put the process on hold because Honda Finance told me
to report OCWEN to the CFPB. They have indicated to me that it could happen in
the future and that the assumption of the loan could be reversed again,my
credit score could be messed up again by incorrect info reported by OCWEN. They
threatened me by telling me every time I report them it to the Attorney General
and the CFPB, it causes them to do things that harm my credit score, that it's
my fault
Consent to publish the
description of what happened? Consent provided
Have you missed any mortgage payments or are you in default on your
mortgage? Yes No
Is there a date scheduled for the foreclosure sale of your home?
When is the scheduled foreclosure sale
Did you pay a company to help yoDesired resolution
What do you think would
be a fair resolution to your issue?
At this point, due to
the sheer number of repeat "errors", where OCWEN has kept my credit
score low ever since they tried to reverse my 2010 Loan Modification and keep
six years of payments I made on time, and keep my $5000 HAMP incentive and keep
$76,700 Keep Your Home California dollars, taking me off my loan the minute
they posted these funds to the account, at this point, I believe OCWEN should
not be allowed to service loans in the State of California. I believe OCWEN
should be banned from servicing loans period. If OCWEN'S excuse for reporting
false information to the credit bureaus and attaching a variety of different
score lowering "optional" remarks to my credit report, which no other
creditor has ever done, OCWEN is making the defense: "We are incompetent,
we only lowered Ms Marshall's score for six months, delaying her son's much
needed surgery and home maintenance because we made back to back errors for six
months because we can't help it." If OCWEN is like a drunk driver who
"can't help killing people", they should lose their right to drive
and go to jail for taking human lives. If OCWEN "accidentally" got
richer and richer by having these "accidents", OCWEN needs to be shut
down because that is the only way OCWEN is going to stop harming innocent
homeowners who happen to be paying their loans on time but still get bludgeoned
by OCWEN, driven to the limits of human endurance and laughed at by OCWEN as
OCWEN informs them that it can and will get worse. OCWEN has violated me and my
son. OCWEN has violated our rights as US Citizens. We are being held against
our will in a surreal financial prison, a debtor's prison that does not bother
to distinguish between people with perfect payment histories and people who
miss payments. We are all the same to OCWEN. We are Ocwen's cattle. We are
their "possessions" until they find a way to separate us from our
property, our money, our HAMP rewards, our Keep Your Home California grants.
OCWEN is a criminal organization and needs to be taken to trial as such. We
cannot wage a war against Terrorism without including OCWEN in that war. Make
no mistake, OCWEN is destroying lives. OCWEN pays the fines and jumps back in
and picks up where it left off. The looming threat of reversing my 2010 Loan
Modification and my loan assumption is proof of that. OCWEN informed me that
they stopped these reversals "as a courtesy" to me....this so called
"courtesy" occurred exactly when I first reported them to the CFPB. A
class action against OCWEN needs to be launched to protect U S Citizens from
this "accident prone" and "power drunk" criminal
organization that has fed upon the housing crisis with the sole goal of
obtaining obscene wealth for itself, laundering the money it steals from home
owners and the programs such as HAMP and KYHC in the stock market. This
"drunk driver" OCWEN has been slamming into us every week since
February 2016. They probably started before than, but the first horrific wound
I felt was in February when OCWEN began the frenetic chatter, the jovial predictions
of my home loan being taken away from me and in the same letter where they
congratulated me for earning the $5000 HAMP incentive for paying my loan on
time for six year. "Congratulations, we're taking your loan, your money
and the government awards and incentives you earned all these years. Oh? You
reported us? Well, as a COURTSEY we are putting you back on the loan, for now.
We can reverse the assumption again. We won't reverse the loan mod for now, but
FYI, every time you report us you are making it worse for yourself. It makes us
have to mess up your credit score....."
In 2016 OCWEN began attacking my home loan even though I had paid on time the entire six years since I applied for and received a HAMP loan modification.
OCWEN posted the $5000 incentive I earned by never being late on my payments to my account and then removed my name from the account, reversed the assumption following divorce and locked me out of my online account where I make payments.
The OCWEN ombudsman laughed and told me it was about to get worse, that they were working on reversing the 2010 loan modification and that my name would never be on the loan, that my 6 years of payments, my $5000 HAMP award and my $76,700. Keep Your Home California award belonged to OCWEN, not me.
I reported OCWEN to the CFPB and Department of Justice and some of the blatantly illegal attacks stopped, such as the reversal of the 2010 Loan Modification. That attack was put on hold but replaced by smaller, back to back, nonstop attacks that lowered my credit score in spite of my perfect payment history.
I do not feel like a customer. I feel like an inmate in the prison of OCWEN. Once OCWEN starts attacking your loan, they never stop, even when they are reported for the attacks. They just change the attacks and keep at you. They know my autistic son James needs surgery and that by destroying my credit, they are delaying his surgery and making it possible he won't have a good outcome.
I would refinance and escape the prison of OCWEN if they would stop deliberately lowering my credit score.
I tried to borrow the money to help James but OCWEN LOAN SERVICING LLP continued to lower my credit score by reporting false information to the credit bureaus from February 2016 until now, August 2016. I reported OCWEN to the CFPB and the Department of Justice. I'm restarting this Go Fund Me for James because his suffering is intense and OCWEN may continue crippling us financially for many more months to come.. Please help James get his first dental surgery. He needs many root canals. Thank you, friends.
Describe what happened
so we can understand the issue...
Ocwen Loan Servicing LLP
reported to the CFPB that they had corrected the false data that they were
reporting to the credit bureaus. Today INNOVIS told me that OCWEN is still
reporting to them that my loan has a zero balance, that my account is closed
and my loan was assumed by another party. INNOVIS is sending me proof of this
in writing. I had called INNOVIS to see if OCWEN had also added the harmful
statement that lowers my credit score, the statement OCWEN is refusing to
remove from the other credit bureaus and insists it MUST tack on to my reports
even though it lowers my score. INNOVIS stated that OCWEN has a different
negative statement posted in the remarks section on INNOVIS: "Account
previously in dispute. Investigation complete." Each time OCWEN puts a
damaging statement on my credit reports, it lowers my score. OCWEN has been
putting damaging, score lowering statement on my credit reports ever since they
first took my name off my loan, locked me out of my account and tried to steal
the $76,700 Keep Your Home California Funds and the $5000 HAMP incentive that I
earned by never being late on a payment for six years. OCWEN threated to
reverse the 2010 loan modification but stopped after I began reporting them to
the CFPB and the Department of Justice. OCWEN reluctantly put my name back on
the loan but has been overwhelming me by posting a constant stream of false
information of false information on my credit reports and by posting back to
back negative comments that lower my score. I believe OCWEN is trying to wear
me down and that their ultimate goal is to try to steal my property and all the
money that I and Keep Your Home California have put into the loan. The pattern
of abuse is well established and ongoing. Even as OCWEN tells the CFPB that
they have correct the "errors", they are launching new
"errors" simultaneously. I am never allowed to rest and relax. I have
to fight to save my loan, my home, my credit score every week or OCWEN will
gain ground and find a way to create so much confusion that they are able to
steal my property. I believe this is how they operate. They bury the homeowner
alive in a nonstop stream of errors and then strike with such speed that they
homeowner cannot stop the loss of their home. They are doing this to a loan in
good standing. I believe they cheated me out of many years of my perfect
payment history being reported to the bureaus by wrongfully denying my many
requests to assume the loan. Six years is TOO LONG a time to pay a loan and not
be allowed to assume it. Ocwen is posting DIFFERENT negative remarks on
different credit bureaus and claiming that it MUST post those remarks. I
believe they are only posting negative remarks so they can control my credit
score so that they will profit financially. They are treating customers like
slaves, trapping customers by forcing their credit scores down with
unnecessary, negative comments. I believe OCWEN is largely a criminal
organization that should not be allowed to do business in the United States of
America. OCWEN seems undaunted by being reported to the CFPB and the Department
of Justice. It is clear that OCWEN believes it is like the "Teflon
Don", that nothing will stick, the OCWEN is above the law and can make a
mockery out of being reported to the CFPB from hurting homeowners who always
pay on time. OCWEN is harming me MORE since I reported them, not less. Some of
the OCWEN ombudsmen are jovial about the hell they are putting me and my son
through. I have been told that each time I report them, it only hurts my credit
score me, that it doesn't hurt OCWEN. Since that remark, OCWEN has stepped up
the pace and ruined my credit score faster and more often. None of my other
creditors have EVER behaved this badly. I believe OCWEN is committing a crime
against me. There is a clear pattern of abuse here.
Consent to publish the
description of what happened? Consent provided
Which part of the
mortgage process is your issue related to?
Applying
for the loan
Receiving
a credit offer
Signing
the agreement
Making
payments
Problems
when you are unable to pay
Are you concerned about
losing your home to foreclosure? Yes No
Have you missed any mortgage payments or are you in default on your
mortgage? Yes No
Is there a date scheduled for the foreclosure sale of your home?
When is the scheduled foreclosure sale?
Did you pay a company to help you avoid foreclosure? Yes
No
This is about
Conventional adjustable mortgage (ARM)
Do you believe the issue
involves discrimination? Yes No
On the basis of
Age
Marital
status
National
origin
Race
Receipt
of public assistance
Religion
Desired resolution
What do you think would
be a fair resolution to your issue?
I want OCWEN to report
the truth to Innovis and the other bureaus. I want OCWEN to stop putting
remarks on my credit reports since their remarks always drastically lower the
credit score and are NOT mandatory. OCWEN is committing crimes. I would like
OCWEN to be prosecuted to the full extent of the law. OCWEN is no better than
the mob and should not be allowed to terrorize US Citizens as if they were
untouchable pirates. I think the government should prosecute OCWEN and shut
down this criminal organization that is bullying US Citizens and treated us
like servants even when we pay our bills on time. No creditor has the right to
treat us this way. I would like OCWEN to be banned from placing ANY
"optional" remarks on credit reports because it is clear they are
doing so to manipulate credit scores, to enslave their customers by making them
unable to refinance to escape the hell that is OCWEN. I do not feel like a
"customer". I feel like I am in a prison named OCWEN, that I am a
prisoner. The boldness of OCWEN taking my name off the loan right after posting
the funds I applied for from Keep Your Home California goes to show how
unafraid of the government OCWEN is. OCWEN is totally fearless. OCWEN does not
have customers, OCWEN owns slaves and treats those slaves with the utmost
disrespect and disregard. I would like this to end. I would like my government
to rescue me from OCWEN. I am being hurt for doing my job well, for paying all
my bills on time. OCWEN makes it very clear that they are not impressed if you
pay your bills on time. They don't want you to feel good about that. They don't
want homeowners to feel good, to feel safe, to feel at home in their own homes.
OCWEN will knock you for a loop and turn your life into a living hell just
because they can. I would like to see this stop. Please sue OCWEN for using the
remarks section of credit reports as a tool to keep loans in good standing down
as if they didn't have a perfect payment history. You can pay your loan on time
for six years and OCWEN will still find ways to keep you crippled financially.
The jovial OCWEN employee was giddy about what was coming next for me, the
reversing of the loan modification of 2010 and would have gone through with it
and buried the evidence by "losing" documents after they made me and
my autistic son homeless if I had not immediately contacted the CFPB and the
Department of Justice. OCWEN is a dangerous, criminal organization. Once they
start in on you, they never stop. They have not let up on me since they tried
to steal my home in February 2016.
There is a famous scene in the movie CHINATOWN where Faye Dunaway gets bitch slapped by Jack Nicholson over and over. OCWEN has been talking trash to me since February 2016. It is August 2016. Last week I felt ill from the overload of OCWEN'S blaming TRANSUNION the way they had accused EQUIFAX weeks before that. With OCWEN, it is ALWAYS someone else's fault that my credit score suddenly dropped from very good to poor, keeping me financially crippled in spite of my perfect payment history. OCWEN does not bother to keep up with the wild, untrue stories they dump on homeowners to sort out. OCWEN abandons a lie they told for weeks, tells an new lie and never bothers to explain the previous lie. When caught in a lie, OCWEN shifts to the next lie and completely sidesteps the lie they were caught in. OCWEN expects to keep me engaged, keep me doing research to prove their wild, fanciful tales about how everyone in the world is causing this except OCWEN. I have disengaged by sending OCWEN this email: Ocwen Matthew Parker 7192374218 Ocwen Ombudsman
From now on submit any updates you may have regarding TransUnion via email.
All requests OCWEN claims are being made by TransUnion need to be fully documented with employee ID numbers, last names and contact numbers.
Since I sent this email on August 4, 2016, there have been no updates from OCWEN. I knew OCWEN would not put the updates they were giving me verbally in written format. I have no idea what is going on with my OCWEN account. I am consulting with attorneys to resolve this matter. My health has improved somewhat since I banned trash talk from OCWEN. It appears that OCWEN has a policy of bitch slapping the elderly and the disabled, winning property and money by contributing to the expedited death of homeowners via heaping non-stop stress upon them.
IssueIncorrect information on credit report: Account status
Have you disputed the issue with the credit reporting company and received a final response?
Describe what happened so we can understand the issue...
TransUnion will not report my perfect payment history of my OCWEN home loan, according to Matthew Parker of OCWEN, until a mysterious TRANSUNION employee named "Melissa" refuses to let OCWEN reinstate my home loan trade line on TRANSUNION until I sign a letter she will write for me, then I will return this letter to OCWEN and they will forward it to TRANSUNION and then and only then will TRANSUNION allow my perfect payment history to show on my credit report.
I have called TransUnion many times since Matthew Parker of OCWEN told me this story last week. I was not given a letter to sign. I wrote my own letter begging to have my home loan reporting correction on my credit report and I posted this on twitter via private direct message to both OCWEN and TRANSUNION.
Please help me and my autistic son. We are ruined financially until the correct and true information shows on my credit report. I don't know if there is a MELISSA. Both Ocwen and TransUnion have refused to give me any information about her. She has not made any notes on my file that will help us find her. If she exists, she is holding my credit score hostage. If she does not exist, OCWEN is making serious false accusations.
Consent to publish the description of what happened?Consent provided
PRODUCT INFORMATION
Information about the credit reporting company
TransUnion
United States
DESIRED RESOLUTION
What do you think would be a fair resolution to your issue?
I want the true and correct information to show on my credit report. I pay my home loan on time. I deserve to have that showing on my credit reports
Ocwen continues to block all my efforts to get a personal loan to pay for the three surgeries my autistic son needs. James is very ill. Every time I have tired to apply for a personal loan in 2016 I find my credit score has suddenly dropped from "VERY GOOD" to "POOR" over night and it is always because OCWEN has sent incorrect information to the credit bureaus.
This letter to Attorney
General Harris describes the nightmare Ocwen has made of the entire year of
2016. They are endangering the life of my disabled son:
Dear Attorney General
Kamala Harris, Department of Justice,
Dr Giri Palani DDS ,
(310) 894-8337 gpdds@msn.com, is trying to help my autistic son James with a
severe dental problem but OCWEN keeps making my credit score go up and down
like a yo-yo preventing me from getting a loan. James could get a brain and
heart infection if we keep putting it off because OCWEN keeps changing my score
from "very good" to "poor" by their constantly taking my
loan on and off of my reports. James already has a lung infection. All this
delay could cost him his life.
I pay all my bills on
time. I have never been late on any bills since I became a single mom.
I have a blog which
shows OCWEN has been doing this to us all of 2016:
My OCWEN loan is being
reported as closed, AGAIN. This is not true. My credit score fell from very
good to poor the day Ocwen started changing what they report to the bureaus.
This denies me the ability to get a loan to fix my autistic son's broken teeth.
James has a lung infection. He could get a brain and heart infection if OCWEN
ruins my credit all 2016 in spite of my perfect payment history. They are
preventing me from conducting business as usual. They have crippled me
financially all of 2016 when they first began attacking my loan in good
standing.
Please make them stop
destroying my good credit. OCWEN claims they HAVE to ruin my credit anytime I
contact the Dept of Justice or CFPB. They expect customers to be afraid to ask
you for help for fear of having their credit score drop drastically if they do.
That is wrong. Please help me so I can get a loan for James' dental surgery
with Dr Palani before something terrible happens to James. Thank you.
What do you think would
be a fair resolution to your issue?
I would like the CFPB to
take legal action against OCWEN for this continuing damage to our lives that is
completely unjustified. OCWEN told me that whenever I complain to agency about
them it is their policy to remove my loan from my credit report. That keeps us
financially crippled.
Contrary to what OCWEN is reporting to the credit bureaus, my loan is NOT paid in full, the Most Recent payment was in July, Not May and my LOAN is not closed and my loan was not taken over by another party and I have paid on time for six years, not a few months.
#00101686293 Mold Assurant CHH023489301 American Security Insurance Co
OCWEN / Deutsche Bank Trustee
On Monday night 6/13/16 we had our first hot meal since Thursday last week and slept well last night. Assurant / American Security Insurance Company does not help with emergency situations on the weekends, so we had a very difficult and long weekend. My son became very ill on Saturday.
My autistic son James is still suffering from fatigue and has not touched his breakfast yet. He brought some of his toys from home and has been staying in bed most of the day since Saturday. When he does get up, he walks slowly and gets tired fast and asks to go back to bed soon after getting up.
He ate well last night.
Upstairs, near where James plays with his alphabet blocks on the carpet is an area I reported years ago. I was told it was nothing but in light of my son's "mystery illness", I think it needs to be looked at again. (Update: It was tested and is a live mold colony that will have to be removed).
I also, for years expressed concern about the HOA overwatering the lawns and side yards. I am responsible for the back yard. I seldom water the backyard and yet it is very moldy. I am concerned that the front and side of the home may have water damage/mold. (Update: An active mold colony was found by the front door where the only water source is the lawn sprinklers controlled by the HOA).
I was told over and over that there was nothing to worry about. Samples have been taken and mold has been confirmed.
I may have photos of the kitchen mold (see above photo) that the insurance rep did not take. His primary concern seemed to be that all original cabinet drawers and doors be saved and re-used. He said he felt it was safe for James to stay in the home with this mold but he did not take any samples or say why he felt James didn't need to stay in the hotel.
The insurance reps were not concerned about the possible upstairs mold years ago either. They though the plumber's repair was good enough then. I said cosmetically it might be ok, but under it might be mold. I don't allow my son to use that bathroom. He uses the master bathroom upstairs off my room. Yesterday while I was taking photos to show you from that bathroom, I saw evidence of termites behind the toilet. I'm going to get an inspection by a company that uses orange oil. My son is too ill to deal with exposure to poisons.
Bathroom near where James plays with alphabet blocks on the carpet:
