We received a letter from the Comptroller of the Currency on 11/27/12. I figured it was to wrap up the complaint that we made on 8/27/12. Exactly three months earlier.
It was actually a letter saying that WFHM didn't fall under their jurisdiction. Which is strange, because three months ago they contacted WFHM. Maybe they forgot.
In any case, this let to a new call from Executive Mortgage Specialist #3 on 12/3/12. I was a little surprised. I apologized, because I had not initiated this complaint, at least not directly. In any case, I brought EMS #3 up to speed, reiterated my displeasure with the way PMI removal was communicated (incorrectly), how my demand to remove PMI was handled (no response in the 30 days allowed), and how the offer to remove PMI on the condition of a current appraisal was flawed (we believe they have waived the right to request an appaisal because of their delays).
We'll see where this goes. At this point, we feel the best option is legal. I've been hoping that WFHM will realize that they have made a mistake and just agree to remove PMI going back to when we hit 80% LTV. We would have paid it down even sooner if we had a correct response, but we'd be satisfied with that.
