Retention Division Not Licensed In Washington

Date Posted: 
Wednesday, May 15, 2013

The Washington State Department of Financial Institutions (DFI) has received complaints from consumers who reported they applied for loan modification assistance for their existing home mortgages with Retention Division. The consumers communicated with Retention Division employees identified as Tony Luna, Patrick West, and Aubrey West. Tony Luna identified himself as an attorney with Retention Division and offered consumers participation in the HAMP modification program. The consumers paid advance fees via cashier’s checks with the promise their existing mortgage payments and interest rates would be lowered which never happened.

The consumers did not receive the promised modification services, and have been unsuccessful in contacting Retention Division to inquire about the status of their loan modifications and to request refunds. Retention Division may also be doing business as Making Homes Affordable. DFI has been unable to locate or contact any of the professed employees of Retention Division.

Retention Division listed its contact phone number as 888-852-0790, and its fax number as 888-892-3081. Retention Division had purported business addresses located at 2222 Michelson Drive, #502, Irvine, CA, 92612, and at 17870 Newhope St., Suite 104-547, Fountain Valley, CA, 92708. Retention Division continues to operate a website at and list its email address as

Retention Division is not licensed by DFI as a consumer loan company, mortgage broker, or loan originator. The company is not registered to conduct business in Washington State by the Department of Revenue or the Secretary of State.

Report Fraud

If you are suspicious of unlicensed activity by a mortgage broker, consumer lender, money transmitter, or escrow agent; contact the Washington State Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at

If you feel you have been the victim of a loan scam, contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at

If you feel you have been the victim of a loan scam involving the Internet, contact the Internet Crime Complaint Center at

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.