• Report: #430091

Complaint Review: Home Safety Modifications - Don Troiano - Oxford Home Mortgage

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  • Submitted: Mon, March 02, 2009
  • Updated: Mon, April 02, 2012

  • Reported By:Danbury Connecticut
Home Safety Modifications - Don Troiano - Oxford Home Mortgage
1 Padanaram Rd. Suite 150-C Danbury, Connecticut U.S.A.

Home Safety Modifications - Don Troiano - Oxford Home Mortgage SCAM! DOESNT PAY EMPLOYEES! HIRED A 15 YEAR OLD BRAZILLIAN GIRL AND WAS INNAPROPRIATE, STEALS PEOPLES MONEY Danbury Connecticut

*Consumer Comment: Here he is

*Author of original report: Don Troiano is in foreclosure now!

*UPDATE EX-employee responds: Don Troiano is a liar

*REBUTTAL Owner of company: I am done

*UPDATE EX-employee responds: Don you are the drunk who cannot spell.

*UPDATE EX-employee responds: Don you are the drunk who cannot spell.

*UPDATE EX-employee responds: Don you are the drunk who cannot spell.

*REBUTTAL Owner of company: Whatever

*UPDATE EX-employee responds: Don,..you know the whole business model was my idea.

*Author of original report: Don Troiano, thief, pedophile, liar, predator.

*REBUTTAL Owner of company: Owen Kozlovich Liar and a drunk

*REBUTTAL Owner of company: Owen Kozlovich False acusations

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This is a very sick man. I personally worked on over 50 files for mortgage modifications and was very successful in getting loan modifications done. I was promised 50% commission but after months of hard work, when the money finally started pouring in, Don created a hostile work environment and I was locked out of the office and he kept all my commission money.

I have 2 small children I must provide for and this has created a huge burden for my family. Don also masquerades as an attorney and habitually signs loan documents as "Mark Nash, Esq." pawning himself off as a member of the CT. bar association,.....a lawyer. This is felonious behavior punishable by serious jail time.

All I asked is for Don Troiano to pay me what he owes me and he refuses so I have no other option but to file this report.

Do the right thing Don and pay me what is owed to me. Stop pretending to be a lawyer, and please stop the sexual harrassment I had to suffer through. Nobody wants that behavior from you, especially a 15 year old brazillian girl.

My next option is to go to the Ct. State Attorney's office and the State of Connecticut Banking Commissioner's Office.

Former Employee
Danbury, Connecticut
U.S.A.

This report was posted on Ripoff Report on 03/02/2009 07:06 PM and is a permanent record located here: http://www.ripoffreport.com/r/Home-Safety-Modifications-Don-Troiano-Oxford-Home-Mortgage/Danbury-Connecticut-06811/Home-Safety-Modifications-Don-Troiano-Oxford-Home-Mortgage-SCAM-DOESNT-PAY-EMPLOYEES-430091. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
1Author 7Consumer 4Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Here he is

AUTHOR: consumer - (United States of America)

This is a photo of him
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#2 Author of original report

Don Troiano is in foreclosure now!

AUTHOR: Former Employee - (U.S.A.)

Well now the shoe is on the other foot. Don Troiano stole lots of money from people with the promise of saving them from home foreclosure,....now his home is being foreclosed upon. http://civilinquiry.jud.ct.gov/CaseDetail/PublicCaseDetail.aspx?DocketNo=DBDCV106003306S
Check out the link,...its all public information. Great job Don, does Kelly know?
Idiot loser, you get everything you deserve, how dare you?
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#3 UPDATE EX-employee responds

Don Troiano is a liar

AUTHOR: Ex Employee - (U.S.A.)

Don,....I understand why you are so mad,.....I make you look like the idiot that you are. Sue me youi stupid effing jerk,.....you will lose. Why? Cuz you are a loser.
You lie and you steal and you are a pedophile. Now what do you have to say? I cant help but laugh at your stupidity. Oh, by the way, congratulations, you didnt even spell one word wrong in your last post,......amazing, you stupid fool!
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#4 REBUTTAL Owner of company

I am done

AUTHOR: Don T. - (U.S.A.)

I am done with you. You have told so many lies I dont even know where to begin.
But I am done with you. I have contacted the authorities on you, Also I am contacting the Banking department. Also I am contacting Immigration. You want to see how far I can go you lying low life piece of trash? Now your name is up on the same internet for the world to see. The only difference is everything I have said is true. And can be easily verified. Also I am contacting the board of labor regarding your training pay. Seems you didnt report it while you were collecting unemployment. Fraud fraud fraud. Nothing comes out of your mouth but vomit and lies. I owe you nothing. Take me to court. Please take me to court. I cant wait to counter sue you. Not that you own one thing in the world. Because you are a complete loser. Always have been and always will be.
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#5 UPDATE EX-employee responds

Don you are the drunk who cannot spell.

AUTHOR: Ex Employee - (U.S.A.)

Don, It was Pat who had the conversation with you where I offered you to pay me only half of what you owe me. You were either drunk or just your same stupid self when you posted your last post. Do you know what "where" means? And not only that, wasnt it you who was living with an illegal alien stripper who got picked up by ICE and is being deported? And man, did you pay her a hell of a lot of money to be with you! Hahahahaha! You gave her enough money to build a beautiful new house. I think Val probably turned herself in just to get away from you once she found out thaat you are a pedophile and you were also broke. Or maybe is was your homosexual tendencies. Even Jennifer was digusted by your need to see my package.
Oh, by the way, the banking department is investigating you, I told them everything, names, dates, everything. Your days of scamming money are over pal. Whats even funnier is your website www.hsmod.com you yap about what a huge company you have but in reality you sit alone in a basement with how many employees? One employee, who has access to clients personal financial information including social security numbers. And what was she in jail for? Oh thats right, Identity theft. I suppose Kelly would love to know all about this. Don, you are an idiot and a lyinfg thief. Pay me what you owe me!
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#6 UPDATE EX-employee responds

Don you are the drunk who cannot spell.

AUTHOR: Ex Employee - (U.S.A.)

Don, It was Pat who had the conversation with you where I offered you to pay me only half of what you owe me. You were either drunk or just your same stupid self when you posted your last post. Do you know what "where" means? And not only that, wasnt it you who was living with an illegal alien stripper who got picked up by ICE and is being deported? And man, did you pay her a hell of a lot of money to be with you! Hahahahaha! You gave her enough money to build a beautiful new house. I think Val probably turned herself in just to get away from you once she found out thaat you are a pedophile and you were also broke. Or maybe is was your homosexual tendencies. Even Jennifer was digusted by your need to see my package.
Oh, by the way, the banking department is investigating you, I told them everything, names, dates, everything. Your days of scamming money are over pal. Whats even funnier is your website www.hsmod.com you yap about what a huge company you have but in reality you sit alone in a basement with how many employees? One employee, who has access to clients personal financial information including social security numbers. And what was she in jail for? Oh thats right, Identity theft. I suppose Kelly would love to know all about this. Don, you are an idiot and a lyinfg thief. Pay me what you owe me!
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#7 UPDATE EX-employee responds

Don you are the drunk who cannot spell.

AUTHOR: Ex Employee - (U.S.A.)

Don, It was Pat who had the conversation with you where I offered you to pay me only half of what you owe me. You were either drunk or just your same stupid self when you posted your last post. Do you know what "where" means? And not only that, wasnt it you who was living with an illegal alien stripper who got picked up by ICE and is being deported? And man, did you pay her a hell of a lot of money to be with you! Hahahahaha! You gave her enough money to build a beautiful new house. I think Val probably turned herself in just to get away from you once she found out thaat you are a pedophile and you were also broke. Or maybe is was your homosexual tendencies. Even Jennifer was digusted by your need to see my package.
Oh, by the way, the banking department is investigating you, I told them everything, names, dates, everything. Your days of scamming money are over pal. Whats even funnier is your website www.hsmod.com you yap about what a huge company you have but in reality you sit alone in a basement with how many employees? One employee, who has access to clients personal financial information including social security numbers. And what was she in jail for? Oh thats right, Identity theft. I suppose Kelly would love to know all about this. Don, you are an idiot and a lyinfg thief. Pay me what you owe me!
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#8 REBUTTAL Owner of company

Whatever

AUTHOR: Don T. - (U.S.A.)

I dont know what is worse. You or this web site for publishing this garbage. Even in your rediculous claims you contadict yourself. First you talk about commission and say you were an employee. Then you admit you where a partner. Please at least keep your stories straight. As far as business models. You can have 100% of the money we made getting banks and states to pay as your brilliant business model states. That amount would be zero.
As far as $35000 per month on my clients as you pointed out. And yes they where my clients as you agreed at the onset. They where mine as would be the money. Seems you convienently have forgotten that. I think our onset to date is less then that total. I wish you where right however. I would be quite happy. As far as you offering to take half? I am curious as to when that conversation took place. Must be all part of this dilusion you have going on. Do you remember what you told Pat when he asked you about the woman you married for $15000 to get her a green card and you to make money. He asked you what you where thinking? Your response says it all "I am stupid". Stop being stupid. Move on with your life. Get a real job. Get sober. I wish you luck and hope you find the help you need. But please move on.
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#9 UPDATE EX-employee responds

Don,..you know the whole business model was my idea.

AUTHOR: Former Employee - (U.S.A.)

THE BEGINNING AND RISE OF
HOME SAFETY MODIFICATIONS, LLC.
10/03/2008

I received a personal request from_______________who works at Webster Bank Commercial Lending at 301 Main Street, Danbury, Ct. 06810. He gave me the name of Mr. ______ and asked me if I could help this man secure a mortgage in the amount of approximately 2 million dollars to pay off a loan of about 1 million and a second privately held mortgage of $665,000.00.
In the following months I was in direct contact with ____________, a LO for _________________. Eventually through conversations he told me that for ppl who don't qualify for a re-fi or whatever,they refer the client to a company called Franklin Mortgage Modifications.
I called and left several messages for this company who never returned my calls. I figured,.they probably have too much business. Still not understanding this new type of business, I did nothing.
Then one day I googled loan modification and I found a website for The Modification Center. I went to the site and realized that the owner of the site was a mortgage company. I called and spoke to Rick __________, who told me he was in Hawaai on vacation and to just fax the info to a #. I did, with the attn: to Rick _____. They faxed me back saying they had no one named Rick ______, but to call them.
I called and they said the client didn't qualify cuz they were not up-side down. But if I wanted to sign on to go to ________website and register.
I then asked questions as to if I was going to send clients, I didn't want to sound stupid to my clients as to how The Mod. Center did bus,Rick _______________told me everything as to how to do this.
I then called Rick again,_____ and he freely gave me the info on how to do a modification and how they got the bank to pay them. I told Don Troiano, my then employer, how to do Mods. I suggested that with my knowledge we could do this ourselves. He was overjoyed that I thought of this and offered that we should become equal partners in this venture. I agreed and he thanked me for thinking this up and doing the due diligence to figure this out.
Then I found a site,www.foreclosurefish.com who is a mod. Co. I went to them under the auspices that I was a homeowner who was delinquent. They are a lawyer-based company and ____________ was more than pleased to tell me about the RIFFEA guidelines that were violated when it was the mortgage broker who ordered the appraisal.
All this info was shared by myself to J.D., C.S,, and B.Z. _________, in the presence of Don Troiano on or about Sept. 26, 2008 in the presence of R.S.
At the meting on or about sept 26, 2008, I suggested to the team that I believed that we could get the gov't to use our guidelines to write into fed law. Some ppl didn't think I was right, but after disclosure to me by Don Troiano, resulting from a call to his friend R.C. of JP Morgan/Chase on Oct. 2nd, 2008 , it became clear that Mr. C believed that we could achieve my objectives.

Now I find myself in the position of Mr. Troiano attempting to take all the credit for this new business model and still we don't have a signed agreement as to everything that was my intellectual property to begin with. I have verification of all the above stated facts.
Respectfully submitted,Owen Sumner Kozlovich
And you all know the rest of the story. So I worked 10 hour days from June 2008 to the end of Jan. 2009 for $8,000? And you dont think you owe me a lot of money Don? I knew you were mentally unballanced but this is rediculous. I have the entire client list of everyone I got modified. Do you really want to see how far this can go? I'm more than ready you lying thief.'
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#10 Author of original report

Don Troiano, thief, pedophile, liar, predator.

AUTHOR: Former Employee - (U.S.A.)

Don, stop the madness. I got $8,000 and you are collecting about $38,500 per month from your clients. So tell me how you dont owe me a boatload of money. I worked extremely hard and was very successful completing modifications. I put in 10 and 12 hour days and was never hung over at work as you suggest. You even testified in court to that so did you committ perjury in court or are you just lying now so people wont find out that you are a dishonest man and a thief?
You need mental help. You were the one doing no work. You are addicted to MSN messenger and Orkut and thats how you spent most of your day. While you were trolling the internet for little girls I was doing all the work. The way you behaved with 15 year old Jessica was disgusting. You are a predator thats how you got a 15 year old to hook up with.

Signing modification docs as Mark Nash Esq. is illegal. The banks all have your voice recorded anouncing yourself as Attorney Mark Nash, they save those recordings Don. Evelyn B from Ocwen will remember you I'm sure.

You are a thief and a liar and your scam is just about up. The only reason you kept the money you owe me is because you are defaulting on all your loans and credit cards and decided to steal my money because you had to keep spending money like water to keep up some appearance. Notice how the only people who will tolerate you are Brazilians and they dont even like you, they laugh at you. You are their entertainment.

I wasn't going to do it, but because of your rediculous attemtp to lie and steal I have now decided to go directly to the banking commissioner. Good luck Don.
I tried to work it out with you and even offered to take only half of what you owe me but you refused.
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#11 REBUTTAL Owner of company

Owen Kozlovich Liar and a drunk

AUTHOR: Don T. - (U.S.A.)

Owen is completely Lying to extort cash. He even went as far as to try to get employees to lie so he could scam me out of more money. Yes Owen she told me all about your little plan. He has spent all the money he stole from his suposed girlfriend. We started this company as a non equity partnership. The individual did pull out over $8000.00 from this company. Wicj he did not earn. Further he fails to mention that he is a heavy drinker that often showed up to work hung over, drunk, or sometimes not at all. He received all the money he was owed and even owes money back to the company that we had to refund due to his negligence. As far as his accusations regarding a 15 year old employee. She worked two hours a day for two weeks. There was never ever any inappropriate behavior. I saw her at church the other day and she told me how you made her sick the way you would look at her. That being said Owen married a girl at 18 that he had been involved with since she was 15 and he in his early 40's so I would consider the source. He has often been called a pedophile in the court where this same poor girl has been fighting to keep him away from his kids. Due to his excessive drunkenness. As far as misrepresenting myself as an attorney. We do have a legal department here and do not indicate any other legal standing then our legal department. We are well within our rights to do so. In conclusion this individual. Owen Kozlovich was given the option to continue the partnership if he was able to prove sobriety on the job via random breathalyzer tests. And was required to attend AA two times a week. He was unwilling to do so. The partnership was dissolved and he is making false accusations to try to extort more money he did not earn and does not deserve.
I have done a great deal for this guy. Even going as far as paying back child support to bail him out of jail. Loaning him money when broke. That he never paid back. He is a very sick individual. Who was given the opportunity to be a partner in a company he had nothing to do with creating. He blew it into the bottom of a Vodka bottle. He likes to blame his drinking on everybody but himself, but you see hes been drinking since he was a kid. His drinking has cost him women, jobs, friends and now even his children. Its time you take reposibility for what you have done Owen. You blew it again. Not my fault. Yours. Blaming me for your failure isnt going to get it done. Even lying about me on the internet isnt going to get it done. You stole enough from me. He nheeds serious help.
He knows this. I only hope he gets the help he clearly needs. You won't find it in the bottom of a bottle Owen.
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#12 REBUTTAL Owner of company

Owen Kozlovich False acusations

AUTHOR: Don T. - (U.S.A.)

This individual is completely twisting the truth. We started this company as a non equity partnership. The individual did pull out over $8000.00 from this company. He clearly did not earn. He spent the days hung over looking at the computer, but not working. Smelled of Booze all day long. Further he fails to mention that he is a heavy drinker that often showed up to work hung over, drunk, or sometimes not at all. He received all the money he was owed and even owes money back to the company he was over paid on. As far as his accusations regarding a 15 year old employee. She worked two hours a day for two weeks. There was never ever any inappropriate behavior. That being said the person writing this married a girl at 18 that he had been involved with since she was 15 and he in his early 40's so I would consider the source. He has often been called a pedophile in the court where this same poor girl has been fighting to keep him away from his kids. Due to his excessive drunkenness. As far as misrepresenting myself as an attorney. We do have a legal department here and do not indicate any other legal standing then our legal department. We are well within our rights to do so. In conclusion this individual. Owen Kozlovich was given the option to continue the partnership if he was able to prove sobriety on the job via random breathalyzer tests. And was required to attend AA two times a week. He was unwilling to do so. The partnership was dissolved and he is making false accusations to try to extort money he did not earn and does not deserve.
He knows this. I only hope he gets the help he clearly needs. You won't find it in the bottom of a bottle Owen.


Don Troiano
Danbury, CT
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