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Quality Assurance was reporting both types of designations together, even though the "agree contingent" decisions were missing documents required by Citi's policies.
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Citibank failed three metrics, two of which involve notifying borrowers of missing documents in a timely fashion and one that requires that a letter containing accurate information be sent to a homeowner before foreclosure.
Under the mortgage settlement, though, Wells Fargo was required to notify Mr. Farnsworth about missing documents five days after he submitted a loan application and to then give him 30 days to submit any missing documentation.
The settlement requires that borrowers be notified of missing documents within five days and given 30 days to supply the missing paperwork and that decisions be rendered at most 30 days after an application is completed.
He noted that if the lender required the co-op to provide and execute any missing documents, charges for those services should be paid by either the former or current lender, not the co-op or the shareholder.
Shredded or missing documents.
Wells Fargo also flunked on the missing documents.
Zeitgold also tells you if there are missing documents.
Servicers largely pin the blame on homeowners, who either fail to provide documents required to modify their mortgages, miss monthly payments or lie about their situation, like their income.
At the French embassy Claudine is told that documents required for her emergency visa are missing.
One thing that's apparently missing: document creation.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com