Application Dated: 6/28/10
NOIA Sent(Notification of incomplete application) 7/14/10
In Underwriting: 01/10/10
application Continuous open , but is closed by incomplete application: 10/20/10
1.From the date of the application 6/28/10 to reach the processing department 7/7/10 , there are 9 days.
2.From Processing Dept.7/7/10 to send the NOIA (Notification of incomplete Application ) 7/14/10, there are 7 days
3.From the date of NOIA was send 7/14/10, to reach the underwriter 10/01/10, there are 77 days
4.For some reason, the application is open until 10/20/10.there are 19 days (According to the notes, the client does not complete the request) (Incomplete Apllication on Processing) From the date of the application to the date of the action Taken (Incomplete Aplication) there are 112 Days.
A. NOIA (Notification of incomplete application) has more than 30 days for the customer complete the request (more than 30 days is right?)
B.There any violation to the period established by ECOA (Reg.B)
C.System indicates -incomplete application date was 7/14/10. But in fact the case was incomplete on 10/20/10. I understand that between the reg. Reg B and C there is a difference in the action taken date? This is correct?, what is the correct action taken date?.