US airlines eke out US$12 million profit in first quarter

December 18th, 2018 by bgVAWJW9

Wednesday, June 30, 2010

US airlines in the first quarter of 2010 managed to eke out a US$12 million profit, mostly from “ancillary” services like checked baggage fees, pet transportation fees and more.

Compared to the first quarter of 2009, checked baggage fees soared 33% to $769 million. The airlines also reaped $554 million in reservation change fees, and made $534 million from other ancillary sources; such services (including checked baggage fees, reservation change fees, etc.) made up 21.7% of Spirit Airlines’ income, the highest in the industry.

The US airline industry is made up of 21 carriers, according to the U.S Department of Transportation.

The five “network” or legacy carriers—including United Airlines, Delta Air Lines, Continental Airlines, American Airlines and US Airways—continue to struggle and posted a $163 million loss as a group. Delta Air Lines had the highest profit, at $107 million, while American Airlines was at the other side of the carriers, with a $322 million loss.

Low-cost carriers fared better, posting a $115 million profit as a group, with Southwest Airlines having the largest profit, at $54 million, while Allegiant Air’s profit margins were the highest of the budget carriers at 20%. Regional airlines made a $60 million profit.

The world’s airlines expect a US$2.5 billion profit as a whole, despite an earlier forcast of a loss. However, many investors and groups, such as the International Air Transport Association (IATA), are somewhat doubtful of this number, as oil prices are expected to remain volatile, leading to the possibility of high prices cutting into airlines’ profits.

Ontario Votes 2007: Interview with Communist Party candidate Johan Boyden, Toronto Centre

December 18th, 2018 by bgVAWJW9

Friday, October 5, 2007

Johan Boyden is running for the Communist Party in the Ontario provincial election, in the Toronto Centre riding. Wikinews interviewed him regarding his values, his experience, and his campaign.

Renowned Indian guru ?r? Satya Sai Baba dies aged 84

December 18th, 2018 by bgVAWJW9

Monday, April 25, 2011

File:???????? ??? ????? ??? ????.jpg

?r? Satya Sai Baba, one of India’s most prominent spiritual leaders and revered by millions of followers worldwide, died Sunday in a Puttaparthi hospital, following a cardiac arrest. He was 84 and had been in hospital since last month, suffering from kidney failure and respiratory problems.

Followers and devotees of ?r? Baba considered him to be the manifestation of a “living God” on Earth and believed he had powers of magic, such as being able to pull things from out of thin air.

Former Indian Prime Minister Atal Bihari Vajpayee was one of ?r? Baba’s followers, as was international test cricketer Sachin Tendulkar.

Worshippers carried Baba’s image through the streets of Bangalore and extra police were deployed in his hometown of Puttaparthi. In Delhi, masses gathered in temples and some refused to accept Baba’s death.

With an estimated six million followers, Baba saw donations allow for the expansion of his home village to include many temples, a hospital offering free medical care, a university, and an airport. His first permanent facility opened 60 years ago.

Born Sathyanarayana Raju, Baba decided at the age of fourteen that he was the reincarnation of 19th-century guru Sai Baba of Shirdi. The legend runs that Baba was stung by a scorpion and then sang religious chants in a language previously unknown to him. He predicted his death in 2019, as well as a third and final reincarnation in Karnataka state in 2023.

He was a spiritual leader who inspired millions to lead a moral and meaningful life even as they followed the religion of their choice

Nobody has been appointed to take over running the trust that promotes the faith, which has over 1,200 centres worldwide. There are fears the family and trust could argue, leading to a government takeover. “If the government has to take over the affairs of Sai Baba’s mission that could spell its end,” warned one devotee.

“Some people out of their mean-mindedness are trying to tarnish the image of Sai Baba,” said Baba in 2000, after allegations of sexual abuse were made against him by young men, claims the BBC highlighted in 2004. “I am not after name and fame. So, I do not lose anything by their false allegations. My glory will go on increasing day by day,” Baba added.

Claims that ?r? Baba was a charlatan and allegations of sexual abuse dogged him constantly. In 1993, six people “died violently in the spiritual leader’s private rooms,” The Guardian reported. No full explanation has ever been given for the deaths, though speculation of a money dispute has been raised.

In a statement, current Indian Prime Minister Manmohan Singh said that the death of the guru was an “”irreparable loss” to India, adding, “He was a spiritual leader who inspired millions to lead a moral and meaningful life even as they followed the religion of their choice.”

The guru’s body is being kept at the hospital amid appeals for his devotees not to flood them to see his body. The public viewing of ?r? Baba’s body will take place Monday and Tuesday, and a funeral will follow. There are to be four days of mourning in his home state, Andhra Pradesh, by decree of the state government.

Commonwealth Bank of Australia CEO apologies for financial planning scandal

December 17th, 2018 by bgVAWJW9

Thursday, July 3, 2014

Ian Narev, the CEO of the Commonwealth Bank of Australia, this morning “unreservedly” apologised to clients who lost money in a scandal involving the bank’s financial planning services arm.

Last week, a Senate enquiry found financial advisers from the Commonwealth Bank had made high-risk investments of clients’ money without the clients’ permission, resulting in hundreds of millions of dollars lost. The Senate enquiry called for a Royal Commission into the bank, and the Australian Securities and Investments Commission (ASIC).

Mr Narev stated the bank’s performance in providing financial advice was “unacceptable”, and the bank was launching a scheme to compensate clients who lost money due to the planners’ actions.

In a statement Mr Narev said, “Poor advice provided by some of our advisers between 2003 and 2012 caused financial loss and distress and I am truly sorry for that. […] There have been changes in management, structure and culture. We have also invested in new systems, implemented new processes, enhanced adviser supervision and improved training.”

An investigation by Fairfax Media instigated the Senate inquiry into the Commonwealth Bank’s financial planning division and ASIC.

Whistleblower Jeff Morris, who reported the misconduct of the bank to ASIC six years ago, said in an article for The Sydney Morning Herald that neither the bank nor ASIC should be in control of the compensation program.

Controversial Queensland Premier of 19 years dies at 94

December 17th, 2018 by bgVAWJW9

Saturday, April 23, 2005Queensland Australia’s Sir Joh Bjelke Petersen, a controversial figure who served as the State’s Premier for 19 years and reigned over the government that later became the subject of the Fitzgerald Inquiry, has died in hospital at Kingaroy, aged 94.

“By any measurement, Sir Joh was an exceptional state builder who will be remembered for consistently placing Queensland first,” said the Australian Governor General, Major General Jeffery, in a statement.

Australian Prime Minister, John Howard: “He was certainly a strong political figure and I extend my condolences to his wife and his family.”

But not all voices were sympathetic, prominent Queensland Aboriginal activist Sam Watson for example: “Aboriginal people will always remember him as a racist, a thug and a dictator.”

Having suffered severe ill-health for some weeks, and declining health for years, Sir Joh passed away at around 6pm AEST. He was surrounded by his family, who had been summoned yesterday by Lady Flo, his wife and one-time Senator, for final goodbyes.

Phrases such as “Don’t you worry about that” and “Goodness gracious me” were like trademarks to the maverick leader.

Known simply as ‘Joh’ to many, he would famously describe press conferences as ‘feeding the chooks’. Today Kingaroy locals taunted waiting press with cries from “You’re chooks, you’re chooks, ha ha” to “Go home, ya vultures”, and some obscenities, reported the Courier-Mail of Brisbane.

His fall from power at the end of the 80s was surrounded in controversy, with the state embroiled in corruption findings going to the level of his deputies, and Bjelke Petersen’s claims of ignorance coming under challenge with charges of perjury. The case was never heard due to a controversial hung jury: the foreman of the jury, Luke Shaw, had been an office-bearer of the Young Nationals — an arm of Bjelke Petersen’s National Party — as well as a member of a group calling themselves ‘Friends of Joh’.

Having had his start in life as a peanut farmer in remote Kingaroy, the former Premier was fit up until the very end, but palsy was paralyzing his muscles and organs, to which he eventually succumbed.

“Throughout his life Sir Joh combined enormous energy, vision and an immense capacity for hard work, most especially during his 19-year term as Premier of Queensland,” the Governor General said.

“What looked to us to be huge risks at the time turned out to be nation building,” said Bob Katter, a former minister of Joh’s Government, who credited Sir Joh with starting the Queensland coal, aluminum and tourism industries.

He is also remembered for dismantling many of the State’s unions, and for a somewhat totalitarian and heavy handed style of keeping control.

Under Joh, street protests were banned and Special Branch monitored extensively those the authoritarian leader saw as subversives, measures prompting Queenslander, Australian Civil Liberties Council, Terry O’Gorman, to comment Sir Joh was “the most appalling premier Queensland has ever had in terms of civil liberties and human rights”.

Joh was also influential in the famous case of the Dismissal by the Governor General of then-Prime Minister Gough Whitlam, in 1975.

In his last years as Premier, he had taken his cause to the nation’s capital, with the “Joh for PM” campaign. But this distraction has been credited with the downfall of his government, with corruption investigations at last being conducted by his stand-in, Bill Gunn.

The body of Sir Joh, who was of Lutheran faith, is to be buried at Bethany, the family property near Kingaroy.

Unsolicited quotes from ordinary Australians, many ex-Queenslanders seeking refuge in southern states, on hearing the news:

“Outrageous bastard! Oh God! That was polite!” — “Karen”

“Guilty as Hell. And that’s where he is now.” — “Michael”

“Yay! Good riddence to bad rubbish” — “Liza”

“The dictator is gone our time 2 sing” — “John. H.”

“Yeah he took a while — about 90 f*cking years overdue!” — “Hose Man”

“The pope an joh at least somethin going right” — “Helen”

“Corrupt f*cking sh*teating Bible-bashing f*ckw*t is dead. And thank f*ck. I haven’t been so happy since September 11!” — “Greg”

“I don’t drink but I’ll be having a red whilst dancing on his grave.” — “Cellest”

“Ding dong the d*ck is dead!” — anon.

“Yeahhh!!! Fucking finally” — “Leo”

“It’s a great day today the Rednecks are silent a great victory has been won” — “Zenner”

This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
This article features first-hand journalism by Wikinews members. See the collaboration page for more details.

Cleveland, Ohio clinic performs US’s first face transplant

December 16th, 2018 by bgVAWJW9

Thursday, December 18, 2008

A team of eight transplant surgeons in Cleveland Clinic in Ohio, USA, led by reconstructive surgeon Dr. Maria Siemionow, age 58, have successfully performed the first almost total face transplant in the US, and the fourth globally, on a woman so horribly disfigured due to trauma, that cost her an eye. Two weeks ago Dr. Siemionow, in a 23-hour marathon surgery, replaced 80 percent of her face, by transplanting or grafting bone, nerve, blood vessels, muscles and skin harvested from a female donor’s cadaver.

The Clinic surgeons, in Wednesday’s news conference, described the details of the transplant but upon request, the team did not publish her name, age and cause of injury nor the donor’s identity. The patient’s family desired the reason for her transplant to remain confidential. The Los Angeles Times reported that the patient “had no upper jaw, nose, cheeks or lower eyelids and was unable to eat, talk, smile, smell or breathe on her own.” The clinic’s dermatology and plastic surgery chair, Francis Papay, described the nine hours phase of the procedure: “We transferred the skin, all the facial muscles in the upper face and mid-face, the upper lip, all of the nose, most of the sinuses around the nose, the upper jaw including the teeth, the facial nerve.” Thereafter, another team spent three hours sewing the woman’s blood vessels to that of the donor’s face to restore blood circulation, making the graft a success.

The New York Times reported that “three partial face transplants have been performed since 2005, two in France and one in China, all using facial tissue from a dead donor with permission from their families.” “Only the forehead, upper eyelids, lower lip, lower teeth and jaw are hers, the rest of her face comes from a cadaver; she could not eat on her own or breathe without a hole in her windpipe. About 77 square inches of tissue were transplanted from the donor,” it further described the details of the medical marvel. The patient, however, must take lifetime immunosuppressive drugs, also called antirejection drugs, which do not guarantee success. The transplant team said that in case of failure, it would replace the part with a skin graft taken from her own body.

Dr. Bohdan Pomahac, a Brigham and Women’s Hospital surgeon praised the recent medical development. “There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Leading bioethicist Arthur Caplan of the University of Pennsylvania withheld judgment on the Cleveland transplant amid grave concerns on the post-operation results. “The biggest ethical problem is dealing with failure — if your face rejects. It would be a living hell. If your face is falling off and you can’t eat and you can’t breathe and you’re suffering in a terrible manner that can’t be reversed, you need to put on the table assistance in dying. There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Dr Alex Clarke, of the Royal Free Hospital had praised the Clinic for its contribution to medicine. “It is a real step forward for people who have severe disfigurement and this operation has been done by a team who have really prepared and worked towards this for a number of years. These transplants have proven that the technical difficulties can be overcome and psychologically the patients are doing well. They have all have reacted positively and have begun to do things they were not able to before. All the things people thought were barriers to this kind of operations have been overcome,” she said.

The first partial face transplant surgery on a living human was performed on Isabelle Dinoire on November 27 2005, when she was 38, by Professor Bernard Devauchelle, assisted by Professor Jean-Michel Dubernard in Amiens, France. Her Labrador dog mauled her in May 2005. A triangle of face tissue including the nose and mouth was taken from a brain-dead female donor and grafted onto the patient. Scientists elsewhere have performed scalp and ear transplants. However, the claim is the first for a mouth and nose transplant. Experts say the mouth and nose are the most difficult parts of the face to transplant.

In 2004, the same Cleveland Clinic, became the first institution to approve this surgery and test it on cadavers. In October 2006, surgeon Peter Butler at London‘s Royal Free Hospital in the UK was given permission by the NHS ethics board to carry out a full face transplant. His team will select four adult patients (children cannot be selected due to concerns over consent), with operations being carried out at six month intervals. In March 2008, the treatment of 30-year-old neurofibromatosis victim Pascal Coler of France ended after having received what his doctors call the worlds first successful full face transplant.

Ethical concerns, psychological impact, problems relating to immunosuppression and consequences of technical failure have prevented teams from performing face transplant operations in the past, even though it has been technically possible to carry out such procedures for years.

Mr Iain Hutchison, of Barts and the London Hospital, warned of several problems with face transplants, such as blood vessels in the donated tissue clotting and immunosuppressants failing or increasing the patient’s risk of cancer. He also pointed out ethical issues with the fact that the procedure requires a “beating heart donor”. The transplant is carried out while the donor is brain dead, but still alive by use of a ventilator.

According to Stephen Wigmore, chair of British Transplantation Society’s ethics committee, it is unknown to what extent facial expressions will function in the long term. He said that it is not certain whether a patient could be left worse off in the case of a face transplant failing.

Mr Michael Earley, a member of the Royal College of Surgeon‘s facial transplantation working party, commented that if successful, the transplant would be “a major breakthrough in facial reconstruction” and “a major step forward for the facially disfigured.”

In Wednesday’s conference, Siemionow said “we know that there are so many patients there in their homes where they are hiding from society because they are afraid to walk to the grocery stores, they are afraid to go the the street.” “Our patient was called names and was humiliated. We very much hope that for this very special group of patients there is a hope that someday they will be able to go comfortably from their houses and enjoy the things we take for granted,” she added.

In response to the medical breakthrough, a British medical group led by Royal Free Hospital’s lead surgeon Dr Peter Butler, said they will finish the world’s first full face transplant within a year. “We hope to make an announcement about a full-face operation in the next 12 months. This latest operation shows how facial transplantation can help a particular group of the most severely facially injured people. These are people who would otherwise live a terrible twilight life, shut away from public gaze,” he said.

Spend Your Dream Time In Anchorage Hotels And Ice Skating Park

December 16th, 2018 by bgVAWJW9

Spend Your Dream Time in Anchorage Hotels and Ice Skating Park

by

john merchant

Finding the best location for your time and weekend leave with friends and family has never been this easy. With Anchorage\’s royal landscape, well-accommodating hotels and pleasant ice skating rinks, there\’s no need for you to travel great distances just to get that fun time in weekend vacation you\’ve ever dreamed of.

As predictable in the winter season, Anchorage Alaska Hotels normally charge the buck accommodation rates in the best superiority of service. This, of course, may slightly change in the dates nearby the Iditarod Dog Sled Race.

YouTube Preview Image

The Anchorage Hotel, located downtown in Anchorage, has recently offered price checks for low rate a night in their most handy and freshly renovated hotel rooms. Although the rooms being smaller than the others, anchorage hotels efficient management and staff services provide the best lodging a hotel guest could ever hope for.

Most of the hotels and other accommodations and hotels in downtown Anchorage are only a walking distance from the city\’s famous Town Square Park where ice skating activities are free on weekends. They are providing best and quality service to our customer because they knows that customers requirements.

Ice skating isn\’t the only pleasant experience you\’ll have in the city. Anchorage Alaska also offers the finest shopping malls and restaurants pubs that would perfectly match your taste for excellent cuisine and dance and mouth-watering epicure.

If you\’re a fan of energetic landscapes, glorious scenery and ice crystal beauty then there\’s no better plan than to spend time in Anchorage Alaska hotels where most rooms provide the best views of the Chugach Mountain Range, Cooke Inlet as well as the surrounding cities.

Add these with exciting visits at the Anchorage Museum, Fifth Avenue Mall, the Egan Convention Center and the Performing Arts Center and your weekend getaway is now a complete blend of the best things one could see in Anchorage. Anchorage Alaska is one of the fine cities of USA and Alaska is best touring place because here hare lots-of things and places available for traveling. Here are many hotels available and they are providing affordable and nice facility because they know the customer requirements is they are providing the best facility.

Anchorage Alaska is also providing many games and scatting facility according to sessions so it is very good for that person who wants to travel on specific section. Alaska is finest town of anchorage state.

Author has been writing articles for adventure tours and travel from the past 6 years. Currently he is glancing and sharing information on

Anchorage Alaska Hotels

Article Source:

ArticleRich.com

TESEV Report on Eastern Turkey for UNDP released

December 16th, 2018 by bgVAWJW9

Friday, November 24, 2006

According to a report released by the Turkish Economic and Social Studies Foundation (TESEV) for United Nation’s Development Plan, the per capita GNP in Eastern Turkey, an area predominantly inhabited by Kurdish people, is as low as seven percent of that of the European Union on average. The report analyzed a region of 21 cities in Eastern Turkey*. One of the cities included in the report, ??rnak, was reported to be as poor as Botswana, Southern Africa.

Other points highlighted in the report included:

  • 60% of the population in the region was under the poverty line. If this situation persists, people may start to migrate to Northern Iraq.
  • If 1% of the national income is spent on Eastern Turkey’s infrastructure and social investment for 7 years, the region will be enabled to finance itself. If the economic and social conditions in the region are fixed, the fragile relationship between the Turkish government and the Kurdish people of the region may improve.
  • Access to health services is a primary human right. Without access to health services, one cannot expect that people of this region can live in confidence. Health institutions should employ nurses who speak Kurdish so the patients can communicate with the health services staff.
  • The use of the private sector is not reliable as a solution. The government should act to remedy the lack of infrastructure in the region.

Zimbabwe submits to popular pressure: foreign currencies now legal tender

December 16th, 2018 by bgVAWJW9

Thursday, January 29, 2009

Zimbabwe has decided to abandon its currency, the Zimbabwean dollar, in favour of other currencies.

Acting Finance Minister Patrick Chinamasa announced today that Zimbabweans will be allowed to make transactions in other currencies along with the local currency. “In line with the prevailing practices by the general public, [the] government is therefore allowing the use of multiple foreign currencies for business transactions alongside the Zimbabwean dollar,” he said, adding that the Zimbabwean dollar will not be removed from circulation and would be used alongside other currencies.

This decision comes during the current period of hyperinflation, which has massively devalued the Zimbabwean dollar. Banknotes up to $100 trillion have been printed, despite the removal of ten zeroes from the currency last summer to try to make transactions easier. The official inflation rate, last updated in July 2008, was 231,000,000% a year, although independent estimates place the number as high as 6.5×10108, or 6.5 quindecillion novemdecillion, percent.

Up to now, only vendors with licenses were legally able to accept foreign currencies, although the practice was widespread — private businesses altogether refuse to accept the unstable Zimbabwean dollar.

Large sections of the workforce, including teachers and doctors, have gone on strike because hyperinflation rapidly renders their wages worthless. Representative groups said salaries, now measured in trillions of dollars, are insufficient to pay for even the bus fare to work.

Zimbabwe also faces other crises, including a cholera epidemic that has claimed the lives of over 3,000 people, according to statistics from the World Health Organisation.

[edit]

Bank of America leads Consumer Financial Protection Bureau complaints about mortgages

December 16th, 2018 by bgVAWJW9

Thursday, October 3, 2013

A review this week by Wikinews of US Consumer Financial Protection Bureau (CFPB) complaints about mortgages in the United States shows Bank of America leads all lending institutions in complaints.

Since mortgages complaints were recorded in December 2011, 77,622 total have been added to CFPB’s database. 29.2% of these complaints involved Bank of America, with the second most received by Wells Fargo, accounting for 15.5% of all complaints. JPMorgan Chase ranked third by volume of complaints with 9.8%. Ocwen was fourth with 8.7% and Citibank was fifth with 4.8%. Nationstar Mortgage; Green Tree Servicing, LLC; HSBC; PNC Bank; U.S. Bancorp; OneWest Bank; SunTrust Bank; Flagstar Bank; and Select Portfolio Servicing, Inc. each had between 1.0 and 3.8% of total complaints. The remaining 14.4% of all complaints about consumer mortgages were divided between about 530 other lending institutions.

The Motley Fool reported last month that for the past fiscal quarter, the biggest US based mortgage lenders were from first to fifth Wells Fargo, JPMorgan Chase, Bank of America, Quicken Loans and U.S. Bancorp.

According to the US Federal Reserve, debt for family residences stands at US$10.706 trillion for the second quarter of 2013. As of the end of June of this year, Bank of America is the United States’s second largest commercial bank with US$1.343 trillion in domestic assets. Wells Fargo is the fourth largest commercial bank with US$1.251 trillion in domestic assets. JPMorgan Chase is the largest US commercial bank with US$1.329 trillion in domestic assets and US$1.947 trillion in total assets.

The mortgage complaints in the CFPB report include several subproducts. Conventional fixed mortgages account for 27.1% of all complaints. Conventional adjustable mortgages account for 10.0%. FHA mortgages account for 7.7% of all complaints. Home equity loans or lines of credit account for 3.8% of all complaints. VA mortgages are 1.4% of all complaints. Second mortgages and reverse mortgages each account for 0.6% of complaints. The remaining 48.7% of complaints are about other mortgages or other mortgage issues. A few years ago, FHA loans accounted for about 10% of all US mortgages while VA loans accounted for about 3%. Prime loans accounted for over 75% of the market and the rest were subprime mortgages.

California leads all states by volume of complaints with 14768. It is followed by Florida, New York, Georgia and Texas. When complaints are divided by a state’s total population, New Hampshire leads. The state is followed by Washington D.C., Maryland, Georgia and Florida. Complaints do not correlate with national rankings for August’s foreclosure rate by state where Nevada topped the list, followed by Florida, Ohio, Maryland and Delaware.

Two zip codes account for over 1,000 total complaints between them. 565 complaints originated in the 48382 zip code, which is in Commerce Township, Michigan, located in suburban Detroit. 553 complaints originated in the 33071 zip code, in Coral Springs, Florida. According to real estate website Zillow, there are currently 1,033 properties in foreclosure in Coral Springs while Commerce Township only has 131 properties currently in foreclosure. Four other zip codes have 100 plus complaints originating from them. 91730, in Rancho Cucamonga, California, had 158 complaints. 33409, in West Palm Beach, Florida, had 132. 92626, in Costa Mesa, California, had 125 complaints. 92660, in Newport Beach, California, had 122 complaints. Respectively, the towns had 534, 1,068, 153, and 134 properties currently in foreclosure. These numbers are higher than for the cities of a few sampled zip codes where there was only one complaint, such as Gold Hill, Oregon which has 4 properties in foreclosure, and Decatur, Illinois which has 6 properties in foreclosure.

The CFPB categorizes complaints into six categories: “Loan modification, collection,foreclosure” or problems when a person is unable to pay; “Loan servicing, payments, escrow account” or problems with making a payment; “Application, originator, mortgage broker”; “Credit decision / Underwriting”; “Settlement process and costs”, and “Other”. The CFPB says the complaint types indicate consumers “appear to be driven by a desire to seek agreement with their companies on foreclosure alternatives. The complaints indicate that consumer confusion persists around the process and requirements for obtaining loan modifications and refinancing, especially regarding document submission timeframes, payment trial periods, allocation of payments, treatment of income in eligibility calculations, and credit bureau reporting during the evaluation period.” Currently, 59.6% of all complaints against lenders deal with being unable to pay. 25.1% deal with problems in making a payment. 7.0% have to do with the application process.

Of the complaint-heavy zip codes, for 48382 in Commerce Township, Michigan, 98.9% of all complaints have to deal with being unable to pay. Accounting for 23.4% of all mortgage complaints in Commerce Township, 132 of the complaints for being unable to pay were made regarding Bank of America, accounting for 97.8% or all but 3 complaints against them from the zip. 121 of the Bank of America responses in Commerce Township were closed with explanation and 12 were closed with non-monetary relief. 33071 in Coral Springs is different, with 537 of the 553 complaints being categorized under other. Only 11 complaints relate to foreclosure and issues with being able to pay. 92626 in Costa Mesa, where 32% of the mortgage complaints were about Bank of America and 26.4% were about Wells Fargo, had 93.6% of its complaints dealing with being unable to pay. 5 total complaints dealt with payment issues and 3 dealt with applications.

Beyond regional variance in complaint types lodged, the top five mortgage lenders by volume of complaints all had being unable to pay as their top complaint category, ranging between 55.8% for Citibank and 69.4% for Bank of America. Problems with payment accounted for the second largest area of complaints, with Ocwen having the largest percentage of complaints at 31.9% and Bank of America having the smallest at 18.8%. Foreclosure was the top area of complaints for a number of other lending institutions including 1st Alliance Lending, OneWest Bank, Ally Bank, Banco Popular de Puerto Rico, Bank of the West, BMO Harris, BOK Financial Corp, Caliber Home Loans, Inc, Capital One, Deutsche Bank and EverBank.

Nationally, complaints reached a high of 5,840 for January 2013, 1,107 more than the next highest month of April 2013. The total emerging for September is the second lowest since records were first kept in December 2011. On a state by state level, this pattern largely repeats with a major exception for Florida which saw a peak of 849 complaints in June 2012. Then, as now, Florida was one of the top five states in the nation in its foreclosure rate. The national January spike came as the Qualified Mortgage standard required by the The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 came into play. It required mortgage lenders to take steps to insure borrowers could repay their mortgages.

Bank of America’s complaint volume follows the national trend, with a spike in January 2013 with 1,925 total complaints. Unlike nationally, the next month by volume of complaints was February of this year with 1,598 complaints. Prior to that, the highest month was May 2012 with 1,418 complaints. The lowest volume of complaints is September this year with 334.

Wells Fargo matched national trends for volume of complaints by month, with the exception of the current month being the lowest on record for number of complaints with 197 compared to the next lowest month, December 2011, when they had 221. JPMorgan’s complaint volume by month spiked in January and March of this year with 504 complaints. April of this year was the next highest month with 493 complaints, edging out May of last year with 488 complaints. September this year is on track to be the lowest month by complaint volume.

The federal government shutdown is unlikely to impact the current mortgage situation in the United States directly for most consumers, though mortgage processing by the Federal Housing Administration could be slower, resulting in fewer mortgages processed.