Case 1:15-cv-00293-LTS-RWL Document 65-8 Filed 08/24/15 Page 1 of 6

EXHIBIT 8
 Case 1:15-cv-00293-LTS-RWL Document 65-8 Filed 08/24/15 Page 2 of 6
OFFICE OF THE COMMISSIONER
OF FINANCIAL REGULATION
500 N. Calvert Street, Suite 402
. Baltimore, MD 21202-365 I
,EPARTMENT OF LABOR, LICENSIN
G ,\ND REGULATION Mark Kaufman, Commissioner
---------------------

FAX COVER SHEET

DIVISION OF FINANCIAL REGU
LATION

To: Caroline Iacino

From: Marcia To nki ns
Financial Examiner
· Of: 1st Fidelity Lo an Servicing
Of: Division of Financial Regulation
Phone:
Phone: 410 230 -63 93
Fax: 561 893 980 8
Fax: 410 -33 3-3 866 or
410 -33 3-0 4 75

Date: December 12, 201 2

E-mail: mtonkins@dllr.state.md.u
s
Subject: Robert and Lau rie Warwi
ck
Co mp lain t# M 13 1150

COMMENTS---Please review thi

s complaint and res po nd in writin
December 14, 2012. It is our under g by
standing that Ch ase Ho me Financ
cancelled this loan. Therefore, wh e
y is I st Fidelity Lo an Servicing col
on this debt? Ple ase cease all for lecting
eclosure activities un til we have
our investigation. com pleted

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PHONE: 410 .23 0.6 100 • FAX : 410 .33 3.3 866 /41 0.3 33. 047
Toll Free: 1-8 88- 784 -01 36 • WW 5 • TT Y USERS, CA LL VIA THE MA
W.DLLR.STATE.MD.US/FINANC RYLAND RELAY SERVICE
E • E-mail: FINREG@DLLR.STA
MARTIN O'M ALL EY, GOVER TE.MD.US
NOR • AN TH ON Y G. BRO
WN, LT. GO VER NO R • LEO
NARD j. HO WIE Ill, SECRETARY
 Case 1:15-cv-00293-LTS-RWL Document 65-8 Filed 08/24/15 Page 3 of 6
".maryland.gov I Facebook.com /DLLR.Maryland I Twitter@MD_DLLR
···-· ··-·· ···-- -···· ···-· ····- ·-·-- ---- -·
,om: Jones, Kristin [mailto:kristin.iones@mlis.state.md
.usJ
.;ent: Friday, November 30, 2012 5:45 PM
To: Anne B. Norton
Subject: Warwick • mortgage issue

Anne -Tha nk you again for your willingness

to help navigate mort gage issues for the Rob
attached a few relevant docu men ts. Obviously & Laurie Warwick. I've
there are many more but I tried to include
Chase and First Fidelity. Specifically, I inclu communications from both
ded the (1) notic e from Chase indic ating that
(2) follow ed by an email from someone at S&A their debt has been cancelled;
Part ners / 1st Fide lity Loan Servicing LLC infor
man agem ent" at Chase has decided that they ming Laurie that "upp er
will not be hono ring their lette r of cancellati
someone from Chase woul d call the Warwicks on. She indicates that
and conf irm that - some thing that never happ
anot her email from same individual at l't Fidel ened; (3) followed by
ity indic ating that if the do not receive at least
5, 2012 they will initia te foreclosure proceeding 2 payments by December
s; (4) follo wed by a 2009 "noti ficat ion of loan
indicating that they had purchased the Warw transfer" from l' t Fide lity
ick's loan from Chase; and (5) follo wed by
paym ent arrangement. a 2009 lette r indicating their

I'm afraid based on the notif icatio n of loan

trans fer that Chase sold their loan some years
Chase cancel their debt and not Fidelity. Furth• ago. Even so, why woul d
er, I ques tion whe ther Chase is somehow getti
they never actually have to hono r. ng cred it for a write -off

As you can imagine, Rob & Laurie are at their

wits' end (in addi tion to being finan cially strap
recession's impa ct on their small landscapin ped mostly due to the
g business) and I know they will appreciate
provide. See their contact infor mati on belo any assistance you are able to
w. If you or anyone in your offic e needs to
shows belo w and my cell is (443) 852- 0308 reach me, my office cont act
. Thanks so much again. - Kristin

Laurie Warwick
443 336- 4733 cell
410 695-2977 hom e

Kristin F. Jones, Chief of Staff

Office of the Speaker
State House, Room H-4
Annapolis, Maryland 21401
(410) 841- 3916
(410) 841-3888 fax

2
 Case 1:15-cv-00293-LTS-RWL Document 65-8 Filed 08/24/15 Page 4 of 6

Larry Schneider

From: larry@sacapitalpartners.com
Sent: Monday, January 07, 2013 3:38 PM
To: mtonkins@dllr.state.md.us
Subject: Robert Warwick - 100900426430035543

Importance: High

Dear Ms Ton kins,

Per our conversation earlier today, I am forwarding the original email that I sent to Chase on September 14'", 2012
which was literally several minutes after we received a copy of the "Debt Cancellation Letter". As you can see by the
date of the email below, we immediately addressed the issue with Chase. We have spent hundreds of hours and have
sent over one hundred pieces of correspondence to Chase trying to resolve this and other similar situations with them
regarding erroneous debt cancellation letters. As I mentioned, I am unable to discuss the particular details of any
related situation with other borrowers' loans which we acquired from J.P. Morgan Chase but I assure you that we are
unaware of any similar problems with loans which are owned by 1st Fidelity Loan and serviced through BSI Servicing.

At the moment, we still do not have a copy of the "Retraction Letter" that was supposed to be sent out to the
borrower. In response to your compliance inquiry, I've attached the contact information for representatives at Chase
that should be able to provide you with answers to you inquiry.

Once again, we truly understand the anger and anguish expressed by the Warwick's due to Chase's erroneous debt
cancellation letter and that they have not acted promptly to remedy the situation. I hope that you can bring this
situation to an expedited and beneficial resolution.

Per your inquiry:

My direct contact at Chase is Omar Kassem. Omar Kassem reports to Patrick Boyle{whose signature is on all of the DOJ
Debt Forgiveness Letters). Patrick Boyle reports to Mark Davis. I believe Mark Davis reports to Gary Miller. I believe
Gary Miller reports to Steven Hemperly.

• Omar Kassem, CFA

Vice President, Portfolio Manager
1820 E. Sky Harbor Circle S, Floor
Phoenix, AZ 85034
PH: 602.627.8661
Omar.kassem@jpmorganchase.com

• Patrick M Boyle
Vice-President, Loss Mitigation and Recovery
1820 E. Sky Harbor Circle S
Phoenix, AZ 85034
Mail Code AZl-2514
PH: 602-627-2489
patrick.m.boyle@jpmchase.com

• Mark Davis

1
 Case 1:15-cv-00293-LTS-RWL Document 65-8 Filed 08/24/15 Page 5 of 6

Senior Vice President, Default Operations

mark.w.davis@jpmchase.com

• Gary Miller
Senior Vice-President. Default Servicing and Housing

• Steven Hemperly
Senior Vice- President, Default Operations Management

Please let me know if I can be of any additional assistance in this matter and advise me of the outcome of your
investigation.

Please keep this email confidential and do not forward to Chase.

Sincerely,

Larry Schneider
1" Fidelity Loan Servicing
S & A Capital Partners
2901 Clintmoore Road, Suite 410
Boca Raton, FL 33496
Tel: 561-893-9805 x 204
Fax: 561-893-9808
Cel: 305-710-4201
sacapitalpartners.com

From: Larry Schneider

Sent: Friday, September 14, 2012 4:28 PM
To: Kassem, Omar
Subject: Robert Warwick - 100900426430035543
Importance: High

Hi Omar,

I hope you had a good trip to Vegas. I'm sure your busy with lots or important things but I think we may have another
potential problem on our hands. This is the 2nd paying borrower who has received this letter from Chase "Cancelling
Her Debt", signed by Patrick Boyle. She said she is getting an attorney and is no longer going to be sending payments.
don't necessarily need you to intervene on this particular borrower but I need to know if this can potentially affect
hundreds of my borrowers. Was this DOJ scrubbed before being sent out?

If not, I need to know immediately so I can preemptively attempt to reme.dy the situation for all affected borrowers so
the problem does not become a major legal issue between our entities, Chase and the Department of Justice. As you
know, I've always handled any issues regarding challenging situations that arise in the best interest of Chase and will
continue to do so. However, I do need to know that Chase will handle these as buyback/trade out situations if the
borrowers are adamant about not paying their contractual obligation to us; Please let me know how you would like me
to handle the situation regarding these letters?

Please call me to discuss.

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 Case 1:15-cv-00293-LTS-RWL Document 65-8 Filed 08/24/15 Page 6 of 6

,Sincerely,

Larry Schneider
1st Fidelity Loan Servicing
2101 NW Corporate Blvd., Suite 102
Boca Raton, FL 33431
Tel: 561-893-9805 x 204
Fax: 561-893-9808

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