one hundred twelfth congress elijah e. … · 2013-10-16 · the document referred to as the...

DARRELL E. ISSA, CALIFORNIA CHAIRMAN

DAN BURTON, INDIANA JOHN L. MICA, FLORIDA TODD RUSSELL PLATTS, PENNSYLVANIA MICHAEL R. TURNER, OHIO PATRICK McHENRY, NORTH CAROLINA JIM JORDAN, OHIO JASON CHAFFETZ, UTAH CONNIE MACK, FLORIDA TIM WALBERG, MICHIGAN JAMES LANKFORD, OKLAHOMA JUSTIN AMASH, MICHIGAN ANN MARIE BUERKLE, NEW YORK PAUL A. GOSAR, D.D.S., ARIZONA RAUL R. LABRADOR, IDAHO PATRICK MEEHAN, PENNSYLVANIA SCOTT D E S J A R L A I S , M.D., TENNESSEE JOE WALSH, ILLINOIS TREY GOWDY, S O U T H CAROLINA DENNIS A. ROSS, FLORIDA FRANK C. GUINTA, NEW HAMPSHIRE BLAKE FARENTHOLD, TEXAS MIKE KELLY, PENNSYLVANIA

LAWRENCE J. BRADY STAFF DIRECTOR

ONE HUNDRED TWELFTH CONGRESS

Congress of tfje Untteb States House of iKepresentattbea

C O M M I T T E E O N O V E R S I G H T A N D G O V E R N M E N T R E F O R M

2 1 5 7 RAYBURN HOUSE OFFICE BUILDING

WASHINGTON, D C 2 0 5 1 5 - 6 1 4 3

MAJORITY ( 2 0 2 ) 2 2 5 - 5 0 7 4

FACSIMILE (202) 2 2 5 - 3 9 7 4

MINORITY (202) 2 2 5 - 5 0 5 1

http://oversight.house.gov

February 25, 2011

E L I J A H E. C U M M I N G S , M A R Y L A N D

R A N K I N G M I N O R I T Y M E M B E R

E D O L P H U S T O W N S , N E W Y O R K

C A R O L Y N B. M A L O N E Y , N E W Y O R K

E L E A N O R H O L M E S N O R T O N ,

D I S T R I C T O F C O L U M B I A

D E N N I S J . K U C I N I C H , O H I O

J O H N F. T I E R N E Y , M A S S A C H U S E T T S

W M . L A C Y C L A Y , M I S S O U R I

S T E P H E N F. L Y N C H , M A S S A C H U S E T T S

J I M C O O P E R , T E N N E S S E E

G E R A L D E. C O N N O L L Y , V I R G I N I A

M I K E Q U I G L E Y , I L L I N O I S

D A N N Y K. D A V I S , I L L I N O I S

B R U C E L. B R A L E Y , I O W A

P E T E R W E L C H , V E R M O N T

J O H N A . Y A R M U T H , K E N T U C K Y

C H R I S T O P H E R S. M U R P H Y , C O N N E C T I C U T

J A C K I E S P E I E R , C A L I F O R N I A

Mr. David J. Stern c/o Jeffrey Tew, Esq. Tew Cardenas LLP Four Seasons Tower, 15th Floor 1441 Brickell Avenue Miami, FL 33131-3407

Dear Mr. Stern:

The Committee is investigating widespread allegations of abuse by mortgage loan servicing companies and their agents, including wrongful foreclosures, inflated fees, deceptive practices, and fraud.1 To assist in this investigation, I request that you provide the following documents and information related to the Law Offices of David J. Stern, P.A., DJSP Enterprises, Inc., their affiliates, employees, subsidiaries, and subdivisions, for the time period from January 1, 2006, to the present:

1. A list of partners and supervisory employees of the Law Offices of David J. Stern, P.A., their job titles and responsibilities, and a description of ownership stake, i f any;

2. Compensation, including salary, bonuses, stock options, and dividends, of all partners and supervisory employees, including David J. Stern, and expenses paid by David J. Stern or the Law Offices of David J. Stern, P.A., for personal expenses of those individuals;

3. Financial statements, including a statement of annual revenue, from the Law Offices of David J. Stern, P.A. and DJSP Enterprises, Inc.;

1 See, e.g., Oversight Plan of the Committee on Oversight and Government Reform, 112th Congress (Feb. 10, 2011); and Testimony of Neil M. Barofsky, Special Inspector General for the Troubled Asset Relief Program, Hearing on Bailouts and the Foreclosure Crisis: Report ofthe Special Inspector General for the Troubled Asset Relief Program, House Committee on Oversight and Government Reform (Jan. 26, 2011) (stating that the performance of mortgage servicing companies has been "abysmal" and that "stories of servicer negligence and misconduct are legion").

Mr. David J. Stern

4. Any documents or instructions that pertain to the procedures followed by the Law Offices of David J. Stern, P.A. when preparing or filing a foreclosure, including the document referred to as the "bible" in the Deposition of Tammie Lou Kapusta;2 and

5. Email, interoffice communications and correspondence sent by or to you, notes and memoranda, and receipts that relate to on-site visits, audits, or meetings with clients, as discussed in the Deposition of Kelly Scott3 with the following entities and servicers:

Bank of America, Citigroup, GMAC, Goldman Sachs, Wells Fargo, Aurora Bank, Lender Processing Services, Prommis Solutions Holding Company, Federal National Mortgage Association, and Federal Home Loan Mortgage Association.

I request that you provide this information as soon as possible, but in no case later than March 25, 2011. When producing documents to the Committee, please deliver production sets to the Minority Staff in Room 2471 of the Rayburn House Office Building and the Majority Staff in Room 2157 of the Rayburn House Office Building. The Committee prefers, i f possible, to receive all documents in electronic format. I f you have any questions, please contact Christopher Staszak with the Committee staff at (202) 225-5051.

Sincerely

Elij an>^Lummings Ranking Member "8

cc: The Honorable Darrell E. Issa, Chairman

2 Deposition of Tammie Lou Kapusta, at 56 (Sept. 22, 2010) (online at www.scribd.com/doc/38890568/Full-Deposition-of-Tammie-Lou-Kapusta-Law-Office-of-David-J-Stern).

3 Deposition of Kelly Scott at 39-40 (Oct. 4, 2010) (online at www.scribd.com/doc/39594746/Full-Deposition-of-Kelly-Scott-of-the-Law-Office-of-David-J-Stern#open_download).

D A R R E L L E. I S S A , C A L I F O R N I A

C H A I R M A N

D A N B U R T O N , I N D I A N A

J O H N L. M I C A , F L O R I D A

T O D D R U S S E L L P L A T T S , P E N N S Y L V A N I A

M I C H A E L R. T U R N E R , O H I O

P A T R I C K M C H E N R Y , N O R T H C A R O L I N A

J I M J O R D A N , O H I O

J A S O N C H A F F E T Z , U T A H

C O N N I E M A C K , F L O R I D A

T I M W A L B E R G , M I C H I G A N

J A M E S L A N K F O R D , O K L A H O M A

J U S T I N A M A S H , M I C H I G A N

A N N M A R I E B U E R K L E , N E W Y O R K

P A U L A . G O S A R , D.D.S. , A R I Z O N A

R A U L R. L A B R A D O R , I D A H O

P A T R I C K M E E H A N , P E N N S Y L V A N I A

S C O T T D E S J A R L A I S , M .D . , T E N N E S S E E

J O E W A L S H , I L L I N O I S

T R E Y G O W D Y , S O U T H C A R O L I N A

D E N N I S A . R O S S , F L O R I D A

F R A N K C. G U I N T A , N E W H A M P S H I R E

B L A K E F A R E N T H O L D , T E X A S

M I K E K E L L Y , P E N N S Y L V A N I A


Congress of ttje fflmteti States House of ;Eepresentatfoea



WASHINGTON, D C 2 0 5 1 5 - 6 1 4 3

MAJORITY ( 2 0 2 ) 2 2 5 - 5 0 7 4

FACSIMILE ( 2 0 2 ) 2 2 5 - 3 9 7 4

MINORITY (202) 2 2 5 - 5 0 5 1

h t tp : / /overs igh t .house.gov

February 25, 2011 L A W R E N C E J . B R A D Y

S T A F F D I R E C T O R




















Mr. Lee R. Mitau Executive Vice President and General Counsel U.S. Bancorp 800 Nicollet Mall Minneapolis, Minnesota 55402

Dear Mr. Mitau:

The Committee is investigating widespread allegations of abuse by mortgage loan servicing companies, including wrongful foreclosures, inflated fees, deceptive practices, and fraud in lending.1 As part of this investigation, I request that you provide the following documents and information from your organization, including its affiliates, subsidiaries, and subdivisions, for the time period from January 1, 2006, to the present:

1. Copies of all internal investigations and audits conducted by or on behalf of your organization relating to foreclosure policies, procedures, or practices;

2. Copies of all documents and communications with customers, within your organization, and with individuals or entities outside your organization relating to instances in which your organization determined that foreclosures were not properly executed;

3. Copies of all documents and communications with customers, within your organization, and with individuals or entities outside your organization relating to all instances in which your organization determined that improper fees were charged to homeowners in excess of $5,000 per household;

4. The total number of complaints received by your organization alleging that foreclosures were not properly executed; and

1 See, e.g., Testimony of Neil M . Barofsky, Special Inspector General for the Troubled Asset Relief Program, Hearing on Bailouts and the Foreclosure Crisis: Report of the Special Inspector General for the Troubled Asset Relief Program, House Committee on Oversight and Government Reform (Jan. 26, 2011) (stating that the performance of mortgage servicing companies has been "abysmal" and that "stories of servicer negligence and misconduct are legion").

Mr. Lee R. Mitau Page 2

5. The total number of complaints received by your organization alleging that fees were improperly charged to homeowners in excess of $5,000 per household.


Sincerely,



C H A I R M A N ONE HUNDRED TWELFTH CONGRESS E L I J A H E. C U M M I N G S , M A R Y L A N D




















D E N N I S A. R O S S , F L O R I D A




Congress of tfje Unite* States E D O L P H U S T O W N S , N E W Y O R K





House of ifopresentattoes

WASHINGTON, D C 2 0 5 1 5 - 6 1 4 3

MAJORITY { 2 0 2 ) 2 2 5 - 5 0 7 4 FACSIMILE (202) 2 2 5 - 3 9 7 4 MINORITY (202) 2 2 5 - 5 0 5 1















http://oversight. house.gov

February 25,2011 L A W R E N C E J . B R A D Y


Mr. Stephen M . Cutler Executive Vice President and General Counsel JP Morgan Chase & Co. 270 Park Avenue New York, New York 10017

Dear Mr. Cutler:






1 See, e.g., Testimony of Neil M. Barofsky, Special Inspector General for the Troubled Asset Relief Program, Hearing on Bailouts and the Foreclosure Crisis: Report of the Special Inspector General for the Troubled Asset Relief Program, House Committee on Oversight and Government Reform (Jan. 26, 2011) (stating that the performance of mortgage servicing companies has been "abysmal" and that "stories of servicer negligence and misconduct are legion").

Mr. Stephen M . Cutler Page 2


I request that you provide this information as soon as possible, but in no case later than March 25, 2011. When producing documents to the Committee, please deliver production sets to the Minority Staff in Room 2471 of the Rayburn House Office Building and the Majority Staff in Room 2157 ofthe Rayburn House Office Building. The Committee prefers, i f possible, to receive all documents in electronic format. I f you have any questions, please contact Christopher Staszak with the Committee staff at (202) 225-5051.

Sincerely,









P A T R I C K M c H E N R Y , N O R T H C A R O L I N A








P A U L A . G O S A R , D .D .S . , A R I Z O N A



S C O T T D E S J A R L A I S , M . D . , T E N N E S S E E




F R A N K C, G U I N T A , N E W H A M P S H I R E



Congress of tfje Umteb States E D O L P H U S T O W N S , N E W Y O R K

C A R O L Y N B, M A L O N E Y , N E W Y O R K




House of &epresentatfoes

WASHINGTON, D C 2 0 5 1 5 - 6 1 4 3











PETER W E L C H , V E R M O N T






Mr. Thomas Marano Chief Executive Officer of Mortgage Operations Ally Financial 200 Renaissance Center P.O. Box 200 Detroit, M I 48265

Dear Mr. Marano:







Mr. Thomas Marano Page 2



Sincerely,




















S C O T T D E S J A R L A I S , M . D . , T E N N E S S E E












House of &epre£Sentattues

WASHINGTON, D C 2 0 5 1 5 - 6 1 4 3











PETER W E L C H , V E R M O N T






Mr. Michael Heifer General Counsel and Corporate Secretary Citigroup 399 Park Avenue New York, New York 10043

Dear Mr. Heifer:







Mr. Michael Heifer Page 2



Sincerely,



ONE.HUNDRED TWELFTH CONGRESS ELIJAH E. CUMMINGS, MARYLAND RANKING MINORITY MEMBER

DAN BURTON, INDIANA JOHN L. MICA, FLORIDA TODD RUSSELL PLATTS, PENNSYLVANIA MICHAEL R. TURNER, OHIO PATRICK McHENRY, NORTH CAROLINA JIM JORDAN, OHIO JASON CHAFFETZ, UTAH CONNIE MACK, FLORIDA TIM WALBERG, MICHIGAN JAMES LANKFORD, OKLAHOMA JUSTIN AMASH, MICHIGAN ANN MARIE BUERKLE, NEW YORK PAUL A. GOSAR, D.D.S., ARIZONA RAUL R. LABRADOR, IDAHO PATRICK MEEHAN, PENNSYLVANIA SCOTT D E S J A R L A I S , M.D., TENNESSEE JOE WALSH, ILLINOIS TREY GOWDY, SOUTH CAROLINA DENNIS A. ROSS, FLORIDA FRANK C. GUINTA, NEW HAMPSHIRE BLAKE FARENTHOLD, TEXAS MIKE KELLY, PENNSYLVANIA

Congress of ttje Unite* States EDOLPHUS TOWNS, NEW YORK CAROLYN B. MALONEY, NEW YORK ELEANOR HOLMES NORTON,



House of Eepresentattues

WASHINGTON, D C 2 0 5 1 5 - 6 1 4 3

MAJORITY ( 2 0 2 ) 2 2 5 - 5 0 7 4

FACSIMILE ( 2 0 2 ) 2 2 5 - 3 9 7 4

MINORITY (202) 2 2 5 - 5 0 5 1

DISTRICT OF COLUMBIA DENNIS J. KUCINICH, OHIO JOHN F. TIERNEY, MASSACHUSETTS WM. LACY CLAY, MISSOURI STEPHEN F. LYNCH, MASSACHUSETTS JIM COOPER, TENNESSEE GERALD E. CONNOLLY, VIRGINIA MIKE QUIGLEY, ILLINOIS DANNY K. DAVIS, ILLINOIS BRUCE L. BRALEY, IOWA PETER WELCH, VERMONT JOHN A. YARMUTH, KENTUCKY CHRISTOPHER S. MURPHY, CONNECTICUT JACKIE SPEIER, CALIFORNIA


February 25, 2011 LAWRENCE J. BRADY

STAFF DIRECTOR

Mr. Nicholas D. Latrenta Executive Vice President and General Counsel MetLife, Inc. 200 Park Avenue New York, New York 10166

Dear Mr. Latrenta:







Mr. Nicholas D. Latrenta Page 2





























Congress of ttje ®mteb States E D O L P H U S T O W N S , N E W Y O R K





House of jKepresentattbes

WASHINGTON, D C 2 0 5 1 5 - 6 1 4 3

MAJOHI-TY ( 2 0 2 ) 2 2 5 - 5 0 7 4

FACSIMILE ( 2 0 2 ) 2 2 5 - 3 9 7 4

MINORITY (202) 2 2 5 - 5 0 5 1

D I S T R I C T OF C O L U M B I A




S T E P H E N F, L Y N C H , M A S S A C H U S E T T S











February 25,2011 L A W R E N C E J . B R A D Y


Mr. Marty Foster Senior Vice President of Servicing PHH Mortgage 1 Mortgage Way

Mount Laurel, New Jersey 08054

Dear Mr. Foster:







Mr. Marty Foster Page 2



Sincerely,



C H A I R M A N























L A W R E N C E J . B R A D Y



Congress of tfje ©ntteb States House of Eepresentattoes



WASHINGTON, D C 2 0 5 1 5 - 6 1 4 3

MAJORITY (202) 2 2 5 - 5 0 7 4

FACSIMILE (202) 2 2 5 - 3 9 7 4

MINORITY (202) 2 2 5 - 5 0 5 1


February 25, 2011




















Ms. Helen Pudlin General Counsel PNC Financial Services Group, Inc. One PNC Plaza 249 Fifth Avenue Pittsburgh, Pennsylvania 15222

Dear Ms. Pudlin:







Ms. Helen Pudlin Page 2



Sincerely,

Ranking Member



ONE HUNDRED TWELFTH CONGRESS ELIJAH E. CUMMINGS, MARYLAND RANKING MINORITY MEMBER

DAN BURTON, INDIANA JOHN L. MICA, FLORIDA TODD RUSSELL PLATTS, PENNSYLVANIA MICHAEL R. TURNER, OHIO PATRICK McHENRY, NORTH CAROLINA JIM JORDAN, OHIO JASON CHAFFETZ, UTAH CONNIE MACK, FLORIDA TIM WALBERG, MICHIGAN JAMES LANKFORD, OKLAHOMA JUSTIN AMASH, MICHIGAN ANN MARIE BUERKLE, NEW YORK PAUL A. GOSAR, D.D.S., ARIZONA RAUL R. LABRADOR, IDAHO PATRICK MEEHAN, PENNSYLVANIA SCOTT D E S J A R L A I S , M.D., TENNESSEE JOE WALSH, ILLINOIS TREY GOWDY, SOUTH CAROLINA DENNIS A. ROSS, FLORIDA FRANK C. GUINTA, NEW HAMPSHIRE BLAKE FARENTHOLD,TEXAS MIKE KELLY, PENNSYLVANIA

Congress of tfje Untteti States EDOLPHUS TOWNS, NEW YORK CAROLYN B. MALONEY, NEW YORK ELEANOR HOLMES NORTON,



House of &epresentatfoes

WASHINGTON, D C 2 0 5 1 5 - 6 1 4 3

DISTRICT OF COLUMBIA DENNIS J. KUCINICH, OHIO JOHN F. TIERNEY, MASSACHUSETTS WM, LACY CLAY, MISSOURI STEPHEN F. LYNCH, MASSACHUSETTS JIM COOPER, TENNESSEE GERALD E. CONNOLLY, VIRGINIA MIKE QUIGLEY, ILLINOIS DANNY K. DAVIS, ILLINOIS BRUCE L. BRALEY, IOWA PETER WELCH, VERMONT JOHN A. YARMUTH, KENTUCKY CHRISTOPHER S. MURPHY, CONNECTICUT JACKIE SPEIER, CALIFORNIA

February 25, 2011 LAWRENCE J. BRADY

STAFF DIRECTOR

Ms. Barbara J. Desoer President Bank of America Home Loans 100 North Tryon Street Charlotte, NC 28255

Dear Ms. Desoer:







Ms. Barbara J. Desoer Page 2



Sincerely,



























Congress of tfje Umteb States E D O L P H U S T O W N S , N E W Y O R K





House of &epreseutattrjes

WASHINGTON, D C 2 0 5 1 5 - 6 1 4 3

MAJORITY ( 2 0 2 ) 2 2 5 - 5 0 7 4 FACSIMILE ( 2 0 2 ) 2 2 5 - 3 9 7 4 MINORITY (202) 2 2 5 - 5 0 5 1


D E N N I S J , K U C I N I C H , O H I O
















Mr. Raymond D. Fortin General Counsel SunTrust Banks, Inc. 303 Peachtree Street, N.E. Atlanta, Georgia 30308

Dear Mr. Fortin:







Mr. Raymond D. Fortin Page 2



Sincerely,























D E N N I S A. R O S S , F L O R I D A



M I K E KELLY, P E N N S Y L V A N I A






House of &epreseutattbe£

WASHINGTON, D C 2 0 5 1 5 - 6 1 4 3

MAJORI-TY ( 2 0 2 ) 2 2 5 - 5 0 7 4

FACSIMILE (202) 2 2 5 - 3 9 7 4

MINORITY (202) 2 2 5 - 5 0 5 1

D I S T R I C T OF C O L U M B I A

D E N N I S J , K U C I N I C H , O H I O











C H R I S T O P H E R S, M U R P H Y , C O N N E C T I C U T





Mr. James M . Strother Executive Vice President and General Counsel Wells Fargo & Company 420 Montgomery Street San Francisco, California 94163

Dear Mr. Strother:







Mr. James M. Strother Page 2



Sincerely,


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