Case 20-22398-MAM Doc 36-3 Filed 12/18/20 Page 120 of 249

Case 9:17-cv-80728-KAM Document 1-2 Entered on FLSD Docket 06/13/2017 Page 13 of 52

EXHIBITD
 Case 20-22398-MAM Doc 36-3 Filed 12/18/20 Page 121 of 249
. Case 9:17-cv-80728-KAM Document 1-2 Entered on FLSD Docket 06/13/2017 Page 14 of
52

Larry Schneider
From: Brian T. Hagan <bhagan@firstarnbank.com>
Sent: Wednesday, November 04, 2015 8:20 PM
To: Larry Schneider
Subject: Re: HELOC #40000006 - CONFIDENTIAL · FOR SETTLEMENT PURPOSES ONLY

Larry:

Thanks for the reply. I have the payment history that you requested, and am told that the credit reporting is
accurate. 1 will double check to see what correspondence we have with the credit reporting agencies and will
get that to you as well.

Are you available to meet next week? I have appointments up near you and can bring the documents you've
requested.

Brian

Brian T. Hagan
Florida Market President
First American Bank
2295 Galiano Street
Coral Gables, FL 33134
(305) 777-1027

On Nov 4, 2015, at 1:48 PM, Larry Schneider <Lany@sacapitalpartners.com> wrote:

Brian,

I just returned from Boston last night and will have the flnanclal statement to you this weekend,

In the meantime, what steps have you taken to ensure that the erroneous reporting made by First
American Bank, to the major credit repositories have been expeditiou sly remediated and purged
from
my credit file? I need financing for several things and thus require documenta tion from the Bank
that It
acknowledges that my payment history has 111 fact been made on a timely basis, per the terms
of the
loan documents as they relate to the Fair Debt Credit Reporting Act and that it takes responsibi
lity for Its
actions.

Please provide me a copy of the correspondence which the bank has sent to the credit repositorie
s to
expeditiously remediate these ongoing harms, as a letter of explanation, although helpful, will
not aid in
increasing my credit score. As you are aware, mortgage dellnquencles reported to the credit
repositories have the most profound negative impact on their respective scoring models.

Lastly, has the flaws in the banks system of records been addressed such that my account is not
still
erroneously reporting as delinquent? ·

I look forward to your prompt response to this matter.

1
 Case 20-22398-MAM Doc 36-3 Filed 12/18/20 Page 122 of 249
• Case 9:17-cv-80728-KAM Document 1-2 Entered on FLSD Docket 06/13/2017
Page 15 of 52

Sincerly,

Larry Schnelder
1199 S, Federal Hwy, #369
Boca Raton, FL 33432
305-710-4201

From: Brian T. Hagan [manto;bhagan@firstambank.com1

Sent: Friday, October 30, 2015 3:4'4 PM
To: Larry Schneider
Subject: Re: HELOC #40000006 - CONFIDENTIAL - FOR SETTl..EMENT PURPOSES ONLY

Lany:

Thanks for the prompt reply. I'll get the infonnation you're requesting, and am checking to see
how long that will take.

Brian

Sent from my iPhone

> On Oct 30, 2015, at 3:05 PM, Larry Schneider <Larry@sacapitalpartners.com> wrote:
>
> Brian,
>
> I am out of town and do not have access to complete the financial statement and send
back
today. The amount you claim is due for October is incorrect. I have wired the payment you are
requesting so I can comply.
>
> As J explained during our meeting, I have not filed 2013 or 2014 tax returns. I am in contact
with the IRS and they are aware of the JPMorgan litigation.
>
> What are you going to do to immediately remediate the continued erl'Oneous credit reporting
of
my account and the harms it continues to cause me?
>
> Please send me the complete payment history ofmy account since origination and a copy of
the entire origination file along with any and all prior billing statements, notices and other
correspondences pertaining to the origination and servicing of my mortgage since the date of
origination. This communication should be ~eemed a Qualified Written Request.
>
>
> Sincerely,
>
>
> Larry Schneider
>
>
>

2
 Case 20-22398-MAM Doc 36-3 Filed 12/18/20 Page 123 of 249
case 9:17-cv-80728-KAM Document 1-2 Entered on FLSD Docket 06/13/2017 Page 16 of 52

>
---- ----- ---- ----
> From: Brian T. Hagan [bhagan@firstambank.com]
> Sent: Friday, October 30, 2015 12 :43 PM
> To: Larry Schneider
> Subject: RE: HELOC #40000006 - CONFIDENTIAL - FOR SETTLEMENT PURPOSES
ONLY
>
> Larry,
>
> Thanks for your email. As I've said before, 1 am available whenever you have questions and
can be reached almost any time at my cell phone number, which is included below.
>
> For the October I payment, the amount due is $4,646.05. The payment due November 1, if
made on time, will be $3,823.29. If you need any help in getting these payments made, please let
me know.
>
> As we discussed in our meeting, before First American Bank can consider a deed-in-lieu of
foreclosure transaction like the one you are proposing, we need to obtain from you the following
documents and information:
>
> • Personal tax returns for the most recent two years
>
> • Personal Financial Statement (form attached)
> '
> I'll call you later today to discuss this.
>
> Thanks,
>
> Brian
>
> Brian T. Hagan
> Florida Market President
> First American Bank
> 2295 Galiano Street
> Coral Gables, FL 33134
> Office (305) 777-1027
> Cell (786) 385-0348
> [hups://www.firstambank.com/media/uploads/FAB·
1ogo2.gifl<https://www.firstambank.comi'>
> First American Bank
> P.O. Box 0794
> Elk Grove Village, IL 60009
> Equal Housing Lender Member FDIC
> www.FirstAmBank.com<https://www:firstambank.com/>
>
[https://www.firstarobank.com/media/yJiloads/social media/tb button.pngl<httJ)s://www,facebQ
ok.com/FirstAmBank>
[bttps://www.firstambank.com/media/uploads/social ..media/tw button.pngJ
<https://www.twitter.com/F irstAmBank>
>
- -- -- - - -- -ION
> IMPORTANT INFORMAT -- -
3
 Case 20-22398-MAM Doc 36-3 Filed 12/18/20 Page 124 of 249
'
case 9:17-cv-80728-KAM Document 1-2 Entered on FLSD Docket 06/13/2017 Page 17 of 52

>
> Online Security
> First American Bank will never ask you for your personal information. such as your Jogin ID,
password, or answers to challenge questions, in an email or any web page directly linked to an e-
mail from us. For more information on how to protect yourself against online fraud, view our
Online Security page at https://www .firstambank.com/General/Generallnfo/OnlineSecurity/
>
> Privacy Policy
>Wedo NOT disclose any information about you to anyone, except as permitted by law. For
more detailed information, view our Privacy Policy at
https://www.firstambgnk.com/General/Generalinfo/PrivacyPolicy/
>
>
>
>
>
> From: Larry Schneider [mailto:Lany@sacapitalpartners.com]
> Sent: Tuesday, October 27, 2015 7:09 PM
> To: Brian T. Hagan <bha2an@firstamhank.com>
> Subject: RE: HELOC #40000006 - CONFIDENTIAL - FOR SETTLEMENT PURPOSES
ONLY
>
> CONFIDENTIAL - FOR SETTLEMENT PURPOSES ONLY
>
> Brian,
>
> I have been occupied 24/7 with the semi-confidential situation which we spoke about during
our meeting. Thus, I have not had a moment to address the continued problematic and abusive
practices by First American Bank in its failure to address and remediate its flawed system of
records; which continues to erroneously report my HELOC account to the major credit
repositories as delinquent for the past six months (This report only shows September and
October 2015, as a letter correcting prior erroneous reporting' s by the Bank, was sent to the
credit repositories by Jennifer Anderson. In fact, the bank has already reported my account as
over 30 days past due for October 2015. (Attached is a confidential copy of my credit report as
of today, October 27, 2015). This has continually lowered my credit score and fraudulently
corrupted my credit worthiness in several attempts to get multi-million dollar financing for my
FCA and RJCO cases against JPMorgan Chase and for other unrelated financing. As I notated in
my email last month, the banks customer se.rvice department can't tell me the last paid date and
next due date of my mortgage loan. At 3:3~ pm today, I once again called the customer service
number on my Periodic Billing Statement (847-952•3700) and once again I sat on hold for 15
minutes while the representative tried to detennine the accuracy and integrity of my account
infonnation, to no avail.
>
> You had personally assured me that the problem with my HEOLC billing was rectified during
our meeting. I shared honest and confidential information, as a professional, a customer and on a
very personal level. I reasonably expected that if you went out of your way to meet with me in
person to discuss the matter, that you did so in good faith and that the erroneous billing and
credit reporting problems with my account were resolved as you represented to me.
>
> Furthennore, in the subsequent email below, you claimed that you 11 will verify that it [the
September payment] has been applied properly." Once again, I took you at your word that you
4
 Case 20-22398-MAM Doc 36-3 Filed 12/18/20 Page 125 of 249
Case 9:17-cv-80728-KAM Document 1-2 Entered on FLSD Docket 06/13/2017 Page 18 0152

were personally ensuring that my account was being handled properly. It was not and is still not
being handled properly.
>
> The banks unwillingness to address its corrupted system of records, despite over 20
documented requests, plus the gross negligence shown by the bank in filing a release of lien and
satisfaction of mortgage for a loan it did not own (Johnnie Washington - S & A Capital Partners
mortgage), shows the banks unwillingness to comply with federal and state mortgage servicing
and consumer protection laws.
>
> I have been cooperative and accommodating with any of the banks requests. I am now ready to
make this a very long and protracted litigated matter.
>
> I offer this one offer and compromise as follows:
> I/we will agree to provide the bank a special warranty deed for the transfer of the property in
its "as-is" condition, which is in the same material condition as it was at the time of the appraisal,
in exchange for a full release ofliability of the debt, as a set off for the mortgage loan which the
Bank released between S & A Capital Partners as Mortgagee and Johnnie Washington as
Mo1tgagor, and for other good and valuable consideration (harms). General releases to be signed
between the Bank and Laurence Schneider, individually and between the Bank and S & A
Capital Partners.
>
> Asa professional courtesy, I did not copy anyone on this correspondence.
>
> Please reply either way prior to 2:00 p.m. on Friday October 30, 2015. A no reply will be
interpreted as a disagreement to the basic terms outlined and offered above.
>
>
> Sincerely,
>
> Larry Schneider
> S & A Capital Partners
> 290 I Clint Moore Road, Suite 410
> Boca Raton, FL 33496
> Tel: 305-710-4201
>
>
>
> CONFIDENTIAL - FOR SETTLEMENT PURPOSES ONLY
>
>
> From: Brian T. Hagan [mailto:bhagan@firstambank,£Om]
> Sent: Thursday, October 01 , 2015 8:30 AM
> To: Larry Schneider
> Cc: Milton W. Espinoza; James A Kielbasa; Jennifer L. Anderson
> Subject: RE: HELOC #40000006
>
> Larry:
>
> l can confirm we have received your payment, and will verify that it has been applied properly.
>
> If you have any questions regarding your October payment, please contact me directly.
5
 Case 20-22398-MAM Doc 36-3 Filed 12/18/20 Page 126 of 249
'
• case 9:17-cv-80728-KAM Document 1-2 Entered on FLSD Docket 06/13/2017 Page 19 of 52

>
> Thanks,
>
> Brian
>
> Brian T. Hagan
> Florida Market President
> First American Bank
> 2295 Galiano Street
> Coral Gables, FL 33134
> (305) 777-1027
>
> {cid:~WRDOOO.jpg}<.btt~s://www.firstambank.com/>
> First American Bank
> P.O. Box 0794
> Elk Grove Village, IL 60009
> Equal Housing Lender Member FDIC
> www, FirstAmBank.com<https://www.tirstambank.com/>

>
>
[cid:-WRDOOO.jpg]<https://www.facebook.com/FirstAmBank>[cid:~WRDOOO.jpg]<https://ww
w.twitte1· .com/FirstAmBank>
>
>
-------------
> IMPORTANT INFORMATION
>
> Online Security
> First American Bank will never ask you for your personal infonnation, such as your login ID,
password, or answers to challenge questions, in an email or any web page directly linked to an e-
mail from us. For more information on how to pt·otect yourself against online fraud, view our
Online Security page at https://www,firstrunbank.com/General/Generallnfo/OnlineSecurity/
>
> Privacy Policy
>Wedo NOT disclose any infonnation about you to anyone, except as pennitted by law. For
more detailed information, view our Privacy Policy at
https://www.firstarnbaok.com/Genel'al/Generallnfo/PrivacyPolicy/
>
>
>
>
>
> From: Larry Schneider (mailto:Larry{a)sacanitalpartne1·s.com]
> Sent: Wednesday, September 301 2015 3:59 PM
> To: Brian T. Hagan <bhagan@firstambank.com<mailto:bhagan@firstambank.com>>
> Cc: Milton W. Espinoza
<MEspinoza@fi rstamban k.com<mailto :MEspinoza@firstambank.com>>; James A Kiel bnsa
<JKielbasa@firstambank.com<mailto:JKielbas&@firstambank.com>>; Jennifer L. Anderson
<janderson@firstambank.com<mailto:janderson@firstambank.com>>
> Subject: HELOC #40000006
> Importance: High
6
 Case 20-22398-MAM Doc 36-3 Filed 12/18/20 Page 127 of 249
.
-case 9:17-cv-8 0728-KA M Docume nt 1-2 Entered on FLSD Docket 06/13/2017 Page 20 of 52

>
>
> Brian,
>
> Please find the September 2015 payment on the HELOC account. Despite the flawed
information in your servicing system of records, my account is current (for the purposes of the
Fair Debt Credit Reporting Act). Please app.ly the payment accordingly. The bank has been and
continues to make erroneous and derogatory reporting of my account to the credit repositories,
despite numerous requests to the bank to rectify the various boarding errors which has affected
my billing and subsequent payments. The bank continues to violate this and numerous other state
and federal, mortgage servicing and consum.er protection laws.
>
>
> Sincerely,
>
> Larry Schneider
> 1199 S. Federal Hwy, #369
> Boca Raton, FL 33432
> 305-710-420 l
>
>
>
> This email message has been delivered safely and archived online. This email system is
managed by Dynami Care
E2<http://dynamicsurmort.com/dynamicure.~hp'?utm source=Mimecast%2BStationsry%2BLink
~
%2BSACapitalPartners&utm medium=Mimecast%2BLink&utm campaian=Mimecast%2BLin
k%2B-%2BSACapita1Partners>.
> Powered by Mimecast
>
> <BankUnited Treasury Management ( I).pdt>