Date Received: 2020-01-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint is against : PHH Mortgage XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Complaint 1 : Failure to comply with their Fiduciary responsibility and pay Property Taxes in a timely manner ( XXXX XXXX ) from the existing Escrow account, exposing customer to higher taxes by no fault of the property owner or the amount in the escrow account.. Complaint 2 : Tax Department failed to comply with their responsibilities both Fiduciary and Corporate by refusing to communicate with its customers on their failure to pay taxes out of Escrow account when due. My mortgage was sold by PHH Mortgage in XXXX to XXXX but it is still being serviced by PHH, Loan No. XXXX. They have had the tax bill for the property since XXXXt.Bill due in XXXX, they did not pay it, even though its a Mortgage they have serviced since its inception in XXXX. I have been asking them since XXXX why they have not paid the bill. Customer service is in the XXXX, they had no information every time I called. They say they must contact the tax department, that is still in NJ. The PHH Tax Dept will not take calls or emails from customers. They did not respond to me or to the customer service teams in XXXX when I was made aware that they had not paid the taxes and contacted customer service. I have received no communication from PHH, PHH Tax Department or XXXX related to the escrow account or the tax bill. Yesterday a supervisor found a note that the tax department put a do not pay-hold on the tax bill in XXXX, no one ever informed me of this before. They show by their actions total disregard for their customers. Right now, its over {$100.00} more in taxes that I have to pay by having missed the XXXX payment and the amount increases every month until delinquency in XXXX. I have a Mortgage Refinance closing date of XX/XX/XXXX. I am afraid I will pay the tax bill at the closing and they will pay it as part of closing out the loan after the XXXX. Or worst they will hold on to the escrow balance and it will be a long drawn fight to get the escrow funds to me. This is the outcome I fear from all of their actions on this matter. The present balance in the escrow account is more than the tax bill, so that does not justify their actions, and as I have already mentioned they have not sent one piece of communication related to the escrow balance or the tax bill. If its not clear my complaint is : this company is not responsive to its customers, it has not moved at all on the request for an answer, its customer service reps and supervisors are nothing more than a delay tactic, for the company. They do not have the interest of their customers at heart. They are so unresponsive to its customer 's that they refuse to let me talk to the Tax Department in NJ who has the responsibility to pay the bill and is who ( I finally now know ) put the stop payment request or direction on the account or the bill. The PHH Tax Department and by association all of PHH has no respect for its customers, if it does not have the common courtesy to communicate with its customer 's over their actions. Complaint Actions 1-Given how negligent they have been in their fiduciary duties with the escrow account, penalize them whatever is appropriate by NJ and Federal laws and statutes and investigate if this is now a common practice to use their customer 's escrow funds for other money making ventures. Or to have customers pay more fees along with the higher tax bills by paying late. 2-Given the timing of the refinance closing I don't want them to pay the taxes unless its this week, XX/XX/XXXX, with assurances and details of the transfer/payment. 3-Contact the PHH Tax Department in XXXX XXXX, NJ that will not take my call or communicate with me and have them send me via wire/money transfer the amount in Escrow immediately, as I don't trust that they will follow through on point no. 2. 4-Pay me the difference between the tax bill of XXXX {$3500.00} and the tax bill of XXXX {$3600.00}, from their funds, its their inaction that leads to the higher payment, that should not come out of my pocket.. Tax bill is attached in the complaint filing.
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Greetings. We can furnish dates and/or documentation for all of the following events. Our Mortgage Servicer, Ocwen, transferred our loan PHH ( aka, XXXX ), their subsidiary, in XXXX. Communication was an issue with Ocwen, and with PHH its much worse. We received several letters from Ocwen in XXXX stating that the {$5000.00} HAMP incentive would be applied to us around XXXX XXXX for keeping our mortgage 90 days current or better. We attached a copy of XXXX letter. We thought this was late to apply but we were ok with it. In XXXX we fell 2 or possibly 3 payments behind and around XXXX asked for hardship assistance, After sending all requested documents 3 times, in XXXX PHH still demands more. After being told in XXXX XXXX by the Servicer Rep on a phone call that our account was only 1 month behind, we had satisfied the Incentive requirements. We verified this online. However, in XXXX, we received a Recast Offer letter, and the table provided in it states that we will pay {$13000.00} MORE in interest if we recast our loan beginning in XXXX, with the {$5000.00} Incentive. Our payments would be lower, but our interest wouldnt. We researched a little. In the makinghomeaffordable.gov site, it is shown that we could earn up to {$10000.00} in principal reduction after 6 years by keeping payments current. IN XXXX, and theXXXX it is stated that Recasting will actually LOWER our total interest paid over the life of the loan. We would definitely prefer to lower our interest paid, even if it does not lower our monthly payments. We emailed all this to PHH on XXXX and on XX/XX/XXXX they replied that their offer was final. In fact, for years we have been paying up to {$75.00} extra in our monthly payments to get ahead of the interest curb and We have proof. Also, our minimum monthly payment increased this year.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I have submitted the following statement of hardship, along with the required forms and documents to my loan servicer, PHH Mortgage Services, for assistance with a loan modification request : HARDSHIP STATEMENT Dear PHH Mortgage Home Assistance Program, This letter is to inform you of my hardship situation, which will explain why I fell behind on my mortgage for the past couple of months. I suffered an unexpected illness, which set me back for a while. I have included documentation from the U.S. Department of Labor, showing my approval under the Designation Notice ( Family and Medical Leave Act or FMLA ). I have applied for FMLA back in XXXX and was approved in XX/XX/XXXX. I have been returning to work intermittently, and trying to get on track, although my hours have been restricted. Nonetheless, my pay has suffered for the past couple of months since the unexpected illness has occurred, and I have been trying to catch up with all my bills, which include the mortgage payment ever since. My wife only works part-time ( at the moment ), and as you are aware, she was not on the original loan. If adding her income would assist in the modification process, please let me know. Thank you in advance for your assistance. XXXX Over one month later : My request for a loan modification has been denied for one of following reasons provided by the loan servicer ( PHH Mortgage ). Account has been modified either once in the last 12 months or 3 times over the life of the account ( which makes it ineligible under the guidelines set forth by the owner of the account and the account does not meet the delinquency requirements, as it is delinquent by 90 days or less as of the date of the review. However, this information is invalid, as there were only two modifications done over the life of the account, and no other loan modification has taken place within the past 12 months. According to our records, as well as upon verification with several representatives at PHH Mortgage ( namely, XXXX ID # XXXX, XXXX, ID # XXXX, XXXX, XXXX, as well as with my Relationship Manager XXXX XXXX, the only 2 ( two ) loan modifications on record are as follows : Year : XXXX, XX/XX/XXXX Government Modification ( also referred to as the Obama XXXX, by the representative ) Year : XXXX, XX/XX/XXXX -- XXXX XXXX. In the past 12 months, I have not had any loan modifications. Additional issues of concern as it relates to the loan servicer, as well as XXXX XXXX XXXX with regards to my loan modification request include but are not limited to the following : Loan servicer sent foreclosure notice before a response was received regarding the status of the appeal request to reconsider loan modification. Loan servicer refused to take payment ( s ) on loan when it was entering 90 days past due, unless it covered the full amount past due at the time, which was approximately {$3500.00} or more. Initially customer service representatives stated that payment arrangements could be made to bring the account current. However, it was suggested that we wait for a response to the appeal request. Appeal request was sent ( and received ) by loan servicer on XXXX XXXX, XXXX, via email. However, a response to my appeal request was not received until well over a month, in a letter dated XXXX XXXX, XXXX. This after following up with the lender on several occasions with regards to the response to the appeal request. Also, prior to receiving a response to my request for an appeal I received a foreclosure notice from the loan servicer dated XXXX XXXX, XXXX. XXXX On XX/XX/XXXX, after speaking with my attorney, it was suggested that I attempt to reach out to the Lender again to request the loan modification, as well as follow-up with research to request documentation to among other things, confirm the number of times the loan had been modified. XXXX On XX/XX/XXXX, my spouse, XXXX XXXX, who has authorization to speak on my behalf with regards to the loan, was informed by PHH Mortgage that a response for research was completed and the results were in a letter dated XXXX XXXX, XXXX. The email was forwarded to both my email address, and that of my spouse. The information ( all of a sudden ) would show 3 ( three ) loan modifications : One of which was in XXXX via AHMSI. At this time, to the best of my knowledge, the owner of the Note was XXXX, XXXX, XXXX XXXX XXXX. The First payment of this loan modification was said to be due on XXXX XXXX, XXXX. Meanwhile, an additional document submitted to the loan servicer showed that a HAMP Modification was also processed in XXXX. However, no information was provided ( as I requested XXXX to confirm the guidelines of the owner XXXX XXXX XXXX XXXX with regards to their policy on the number of loan modifications allowed according to their guidelines, just as the stated as follows : [ QUOTE ] Account has been modified either once in the last 12 months or 3 times over the life of the account ( which makes it ineligible under the guidelines set forth by the owner of the account and the account does not meet the delinquency requirements, as it is delinquent by 90 days or less as of the date of the review. [ END QUOTE ] To make matters worse, when my wife asked about the status of the 2nd request for loan modification which was sent not only via fax, also sent to the designated email address, XXXX on XX/XX/XXXX, was not received! Meanwhile, that email address is clearly stated on the loan modification documents provided by PHH Mortgage. Therefore, I had to resend this request on XX/XX/XXXX, to an alternate email address at XXXX, and told once again that I needed to wait several days for a response. Although being informed that the email should have been forwarded from the hat email address to the XXXX email address, no explanation was provided as to why this was not the case. Neither was there an explanation provided as to why the fax sent to both XXXX XXXX XXXX XXXX was not received.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XX/XX/2019 - Received notice from Ocwen Loan Servicing advising that PHH Mortgage Services would now be collecting. Also stating that amount due as of XX/XX/2019 was XXXX 's payment -- in other words, one month. Friday XX/XX/2019 - I called PHH Mortgage to find out principal outstanding. Was told it was {$230000.00}. I ask that PHH Mortgage mail me a complete record of all payments and amounts owed. I mailed check # XXXX, dated XX/XX/2019 in the amount of {$230000.00} to PHH Mortgage to payoff the principal of my mortgage and to cover additional fees. I expected they would send me a bill indicating any fees still unpaid. Friday XX/XX/2019 - Check had not cleared. I did not receive the report I requested that would show all of the monies I'd paid and how those monies were applied to my account. I contacted PHH Mortgage and learned they had not posted the principal payoff to my account. They said they had not received the check. Again I asked them to send me a full report of the account. Monday XX/XX/2019 - I called PHH Mortgage. They still claim they have not received my check. I still have not received the report. Friday XX/XX/2019 - I put a stop payment on the check. I issued a wire transfer from my checking account to PHH Mortgage in the amount of {$230000.00}. Transfer is successful. {$230000.00} is immediately debited from my checking account Monday XX/XX/2019 - I contacted PHH Mortgage to request amount of any outstanding amounts due ( beyond the principal which I had already wired ). PHH Mortgage representative advises me that there is no evidence that I'd wired {$230000.00}. Advised me that the processing could take several days. XX/XX/2019 - I called PHH Mortgage to inquire on the status of them processing the {$230000.00} principal payoff. They still indicate they have not received the wire. XX/XX/2019 - I contacted my bank to see if funds have been returned to my account. My bank confirmed the wire was successfully received by PHH Mortgage. I called PHH Mortgage and demanded to speak with a supervisor. There was no supervisor available that day. Was told to call the next day. XX/XX/2019 -- I called PHH Mortgage. I continued to be told there was no evidence that I had sent a check nor was there evidence I had wired any funds. Representative challenged me. Asked why I had sent a check in the first placed and accused me of lying. XX/XX/XXXX - XX/XX/2019 -- I check with my bank daily to confirm that funds have not been returned to my checking account. I called PHH Mortgage daily and am advised that they have not processed a payoff nor have they received a wire. XX/XX/2019 -- I receive a letter from PHH Mortgage dated XX/XX/2019 stating I owe XX/XX/2019 payment and that I have an outstanding amount due of {$230000.00} -- a clear indication that the funds wired in the amount of {$230000.00} has not been processed. However, the funds are not in my checking account and my bank maintains that PHH Mortgage has received the funds. XX/XX/2019 -- I called PHH Mortgage. Again, I am told that there is no evidence I have wired any funds. This time I am adamant and refuse to get off the phone until someone helps me. After holding for about a half hour, someone with the ID # XXXX finally is able to find the funds. He tells me the funds that were sent via wire were placed in suspense. He also says there is no indication of PHH Mortgage ever receiving a check from me in the amount of {$230000.00} but by this time I had already put a stop payment on it so I was less concerned. XX/XX/2019 -- PHH Mortgage representative tells me he will " rush the payoff ''. I told him that I wanted to pay any additional amounts. He tells me the letter I received on XX/XX/2019 no longer contained an accurate reflection of the amount due. I asked how I would know how much I owe when the letters PHH Mortgage sends are outdated by the time I receive them and that their representatives will not quote me an amount over the phone. He said he understood he problem. Again, I ask that PHH Mortgage mail me a complete record of all payments and amounts owed. XX/XX/2019 -- I receive a letter dated XX/XX/2019 from PHH Mortgage stating " Due Date of Monthly Payment : XX/XX/2019 principal outstanding {$8800.00} '' This same letter states the total amount due to payoff the loan is {$2000.00} XX/XX/2019 -- Confused, I call PHH Mortgage to demand an explanation. I contend that the principal has already been paid off. They are unable to explain. I demand that they send a full report with an explanation. XX/XX/2019 -- I receive a letter from PHH Mortgage containing my check # XXXX ( the check PHH Mortgage claimed they had never received ). It is attached to a PHH Mortgage form letter dated XX/XX/2019 stating, " Enclosed please find your check number XXXX dated XX/XX/2019, in the amouunt of {$230000.00}. This check is being returned for the following reason : '' and they fail to indicate why it is being returned to me. XX/XX/2019 -- I begin searching for an attorney I can afford. XX/XX/2019 -- PHH Mortgage sends me a letter of default and intent to accelerate. Finally PHH Mortgage contacts me indicating they intend to foreclose.
Company Response:
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: During last quarter of 2004 three false action of title took money from the mortgage and it appears that is the reason I am still paying ... all attempt to correct this from the servicers have been ignoredand request for advisaril action to nmy BK Atty have been ignored.
Company Response:
State: CA
Zip: 91103
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH Mortgage Customer Service - XXXX Hello I have loan with them for my condo. They never notified me that my HO6 insurance was expired. 15 months later they sent me a bill around XXXX . They did not listen my complains that they never mailed or notified me about HO6 COVERAGE. They charged us for last year coverage which insurance never taken place. They are corrupt and unprofessional company. I tried to call them many times they were not interested my complains at all.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My Mother died XX/XX/XXXX. I attempted numerous times to get an assumption and/or modification through the previous servicer Ocwen. At the time of her death, I lived there and am the sole heir. All documents were provided to both servicers. After the servicer change to PHH there was a loan account number change and delayed communications. In XX/XX/XXXX, I applied for assistance after my bankruptcy was modified and the loan arrears were removed from repayment through the ChXXXX. The assistance request was acknowkedged but there were 6 documents listed to complete the request. I did not get a response or a decision about how to submit the forms as they were not readily available. Starting early XX/XX/XXXX the loan was no longer accessible online and my payment was returned. When I called representatives would not give me any info about the loan citing bankruptcy laws despite the loan no longer being apart of that action. My bankruptcy attorney gave authorization via written correspondence multiple times in the last 12 months. On XX/XX/XXXX, I received a letter acknowledging assistance and listed the same 6 items. When I called to clarify the rep cited my bankruptcy again and insisted that I provide my attorneys number to authorize the conversation. I then emailed my question and never got a response. I received a letter dated XX/XX/XXXX stating that I had {$26000.00} escrow credit and that my new payment was due XX/XX/XXXX. Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX warning me of foreclosure proceedings and that my file was with an attorney and foreclosure proceedings were starting not from the beginning but from the point of the last forbearance. The loan is not accessible on the website and the insurance has not been paid through the lender. I received a default payoff quote with the warning that proceedings would advance despite no prior notice of status. I notified the bank that the property will be sold within 30 days pending multiple private offers.
Company Response:
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Violation of the Federal Trade Commission Act ( FTC Act ) section 5 resulting from deceptive practices due to misleading information contained in several loan documents that were issued to me during mortgage closing proceedings. After independent study of the Federal Trade Commission Act section 5 which defines Deceptive Practices as the following : An act or practice is deceptive where a representation, omission, or practice misleads or is likely to mislead the consumer ; a consumers interpretation of the representation, omission, or practice is considered reasonable under the circumstances ; and the misleading representation, omission, or practice is material Review of the 3 attached documents, which consist of : Adjustable Rate Rider ARM Disclosure Interest Only Addendum My question here is If the document title truly reflects what is in the contents of the document itself why would the amortization period be referenced at all if the title implies the " Interest Only Payment period ''? The Title or Heading of each of the aforementioned documents specifically make reference to the " Interest Only '' period of the mortgage which is a 60 month period ( 5 years ), however the actual terms contained within each refer to the Interest Only period AND leads into the amortization period, which essentially means the life of the mortgage, this is significant as it set a fixed rate of the mortgage for an interest rate of 7.875 % ( the initial rate ) and any downturn in the LIBOR which would decrease the variable rate resulting in lower monthly payment amounts would NOT be recognized. So the Title|Heading of the documents are quite misleading and therefore considered deceptive and should be defined as a violation of FTC section 5. For these reasons mentioned I am submitting these details for review by the CFPB with the intention to correct all wrongdoing. Closing Date : XX/XX/XXXX Loan Amount : {$290000.00} Summary of actions taken : In XX/XX/XXXX, I applied for mortgage refinance with originator Option One Mortgage. Please note the following changes as it pertains to Option One Mortgage : On XX/XX/XXXX Ocwen acquired and became successor in interest to Homeward Residential, the successor of Mortgage originator Option One Mortgage. As a result of this acquisition Ocwen Financial Corporation is a successor XXXX and is liable for the illegal practices alleged in this complaint. The application for mortgage refinance submitted was approved under the representation of what was described by the mortgage originator and understood by me as a typical Adjustable Rate Mortgage ( ARM ) product. This emphasis of an ARM was conveyed through a summary document presented. During the mortgage closing procedure, details were revealed that the ARM product being offered contains features that would base the interest rate on the XXXX Market Interbank Offered Rates ( LIBOR ) with the primary focus placed on this particular disclosure in addition to a 5-Year, fixed rate, Interest Only period with pre-payment penalties up to two years after origination. These product features were not discussed nor mentioned prior to the actual closing appointment. With the understanding of key terms as presented by representatives at closing, I concurrently performed a best case review attempt of ALL documentation prior to placing signatures on any items considering the expeditious fashion in which the closing was conducted and the wealth of information contained in the loan package. Beyond the 5-year, fixed rate, Interest Only period and in the years following the start of the current amortization period, I became extremely concerned that although a tremendous downturn was experienced in the LIBOR index due to mortgage market adversity, the interest rate on the ARM was never adjusted to reflect those changes in any way when this should have been the case based on market performance as indicated in various rates tables. The Product disclosure document specifically states that the interest rate will be based on the aforementioned index. A copy of the Adjustable Rate Mortgage Loan Disclosure is attached. I was able to contend through careful and independent examination of loan documents, specifically the ARM product disclosure, that deceptive practices were evident by the mortgage lender providing misleading information and through inadequate disclosure of the actual loan terms and conditions as well as leveraging contradictory language contained in several loan documents. Due to the complex nature of the misleading documents presented and the length of time transpired which the LIBOR index data was made clear, the harm resulting from these deceptive practices of the mortgage company was fully recognized by me in recent years. To resolve this I sought redress through a personal lawsuit filed in Federal Court charging the mortgage company with FTC Act section 5 violation but the case was dismissed due to no private right of action. As the government agency that is equipped with enforcement to address such violations I am submitting this complaint to the CFPB to investigate further.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX Dear Insurance Claims Department I am writing to submit this complaint about the XXXX XXXX company regarding my claim for repairs for my roof, kitchen damages and the entire air conditioner system. These damages were caused by Hurricane Irma Category 5 in XX/XX/XXXX. I filed a claim for {$55.00} XXXX dollars to take care of my repairs and I received the check from the insurance company that was endorsed to me, XXXX XXXX, the insurance adjusters and the mortgage company. The check was dated XX/XX/XXXX and was valid for 90 days. I contacted Ocwen Loan Service, LLC, PHH Mortgage that is now XXXX XXXX, c/o PHH Mortgage Services in writing and by phone to ask for my check to be sent back to me for several months to date and you have not heard from any of these companies and I have not received my check to date. Im sure they have cashed my check after all this time. They should have responded to me within 10 days after they received the check that was endorsed to me and I have not heard from them to date. I know they must be in violation of the law. My situation is they think they can take my check, because the property is not in my name but I am still living in the property while this case is in ligation. Please find attached the costs and fees for repairs from my contractor from Hurricane Irma Category 5 in XX/XX/XXXX. There is no explanation as to why the check enclosed to me for my claim sent to the mortgage company by certified mail has not been signed and released to me for the property located at : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX which was in my name during the time this claim was filed. I look forward to this matter being resolved as soon as possible. Thank you. Regards, XXXX XXXX XXXX/ XXXX XXXX Account Number : XXXX
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: my mortgage was sold from Ocwen to PHH Mortgage. PHH Mortgage is stating that we are {$21000.00} behind on our mortgage which is not true. I spoke with them and faxed several documents such as bank statements, Bankruptcy statements etc to prove they have been paid i have reached out to them several times and keep getting the run around with no resolve in sight.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A