Introduction

Plaintiffs Allan N. Lowy and Ettie Rosenberg, individually and as trustees of their family trust, sue defendants Ocwen Loan Servicing, LLC, Western Progressive LLC, and U.S. Bank National Association (apparently, originally sued as US Bankcorp, NA, U.S. Bank’s alleged parent company) for wrongful foreclosure and related claims.

Factual Background

Plaintiffs allege that in 1992, Lowy purchased certain real property. On April 14, 2006, Lowy refinanced. On July 1, 2010 Lowy obtained a loan modification. On October 18, 2013, Lowy conveyed the property to the family trust. In December 2014, U.S. Bank assumed the loan, and Ocwen began servicing it. On June 2, 2015, a second loan modification was obtained. The second modification agreement stated that all agreements shall remain in place except as herein modified. About three months later, Lowy began to receive regularly monthly statements and noticed that the previous princi........