Date Received: 2018-11-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with Ocwen and I believe that I have paid more into this mortgage then is required to be paid in full. I have had the same loan on this house since 1998 and believe it should have been paid off by now. Is there a way to find out if my payments have been applied properly by this company?
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen took more than 4 months for modification. Continued charging enormous fees. Finally completed modification started and completed trial as required told I would have a large balloon payment at the end of loan and that was the best they could do or would foreclosure on my home. Currently trying to refinance and credit report does not reflect trial modification payments. No description that I was paying payments for four months. Ocwen reported 120 late for entire modification and continued to report late after trial was completed and permanent loan was modified. Only after numerous calls did they change certain months with accurate information. But still continue to report 120 late for four months with no mention of payment agreement when I was on trial modification made payments in advance so technically I paid 3 months in advance so should have been reported as on time No resolution since XX/XX/2017
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: ( Foreclosure Defense in the case of XXXX XXXX vs. XXXX ( XXXX ) Property Address : XXXX XXXX XXXX, XXXX, CT XXXX ) Date : XX/XX/18 Dear Sir / Madame, REGARD : FRAUD - FABRICATED, FORGED, FAKE ASSIGNMENT OF MORTGAGES ( AOM ). I am asking for an investigation into Ocwen Loan Servicing LLC the servicer and XXXX XXXX, they have submitted to the court and recorded two ( 2 ) fabricated, forged, fake Assignment of Mortgages ( AOM ) that was recorded at the County Records Office in XXXX, CT and submitted to the Court, which the banks attorney is presently using in court to facilitate foreclosure on my home. These are fraudulent Assignments of Mortgages and foreclosure Trust requires valid legal proof of ownership of Mortgage and Note in any foreclosure action. I am sending you these two ( 2 ) AOM documents, along with the evidence of this fraud for an investigation in this matter. Please confirm in writing that you will be conducting an investigation in regards to this fraud. These are the names of the fraudsters, on # 1 AOM are XXXX XXXX as Vice President of a bank, XXXX XXXX, XXXX XXXX as witnesses, and XXXX XXXX as the notary, they were all employees of XXXX XXXX XXXX. The names on # 2 AOM XXXX XXXX and XXXX XXXX with both as Vice President and Assistant Secretary of the bank at the same time. Both were employees of XXXX ( a forgery mill ). All named individuals herein are on both ( 2 ) assignment of mortgages submitted to county records and the court to facilitate foreclosure against my home are fraudsters, robo signers. They stated they were Vice President, Notary, witnesses on both ( 2 ) fabricated, forged Assignments of Mortgages and many other Assignments of Mortgages that I have submitted as evidence. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, were employees of XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX were employees of XXXX ( a forgery Mll ). None of these named individuals were ever any VICE PRESIDENTS ( VP ), Assistant Secretary, or Authorized Signer of any Banks in the USA or in the World. I have enclosed evidence to prove that they were fraudsters, and they have forged, fabricated both two ( 2 ) Assignment of Mortgages, therefore committing fraud on our Real Estate system, while trying to defraud me. The evidence will show the many different signatures used by them and many different titles and VP positions held by all named individuals herein. I Have also included the names of the many different Banks they claim they were Vice Presidents, Assistant Vice President, Authorized Signer of some within the same year. I have enclosed copies of both Assignments of Mortgages that the XXXX Attorney have submitted XXXX XXXX XXXX and the XXXX, along with evidence of the fraud. I also enclosed known valid notarized signatures of XXXX XXXX ( the other joint mortgagee ) on two Quitclaim Deeds that do not match the signature they have on the shrink photoshop copy of the Open-Ended Mortgage that was witnessed by a defunct witness. This is not the original document and the only person came to my house. I have requested the original wet ink signature document and it has not been presented to me, I have also enclosed evidence of this fraud. I have been trying to defend my home in regards to this AOM fraud and I need help to investigate this fraudulent action by the bank / Servicer who thinks they are above the law and therefore corrupting the laws. The bank is XXXX XXXX XXXX, and the defunct present servicer is Ocwen Loan Servicing LLC in Fl ( aka ) XXXX XXXX XXXX, ( aka ) XXXX XXXX, ( aka ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ( aka ) XXXX XXXX and XXXX XXXX that filed for chapter XXXX after they were sued by the States for predatory lending, forgery and other crimes against homeowners. Now Ocwen Loan Servicing is trying to implement their predatory loan and foreclosing on my home with two ( 2 ) fabricated, forged assignment of Mortgages. The Servicer / Debt Collector name and address is noted below. ADDRESSES BELOW Ocwen Loan Servicing LLC, Tele : XXXX 1 ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 2 ) XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX This is also serious misconduct on behalf of the banks attorney who knowingly and deliberately submitted fake ( AOM ) documents to facilitate foreclosure and commit fraud on behalf of their clients. The Banks attorney presenting this fraud to the court is * XXXX XXXX XXXX of XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CT XXXX Tele : XXXX Our entire system of Real Estate is founded and depend upon the ability of The County Records, The Courts, and Our Justices to believe in the notarized documents submitted or presented before them as facts, truth, and valid legal documents. These forged, fabricated, fake Assignment of Mortgages ( AOM ) documents and actions by Fraudsters, and assembly line document production that have been submitted to County Records, The Courts with no concern for the facts and truth in front of Our Justices, have done great injustice to our system of Laws. The proper and accurate recording of property transfers is essential to protect our property rights. Assignments of Mortgages ( AOM ) are key to determine who actually own the mortgage, a very important matter in regards to people lives and homes. The bank 's attorney has submitted fabricated, forged documents to the court, even after she was notified of this fraud. This is a Serious Misconduct and she should be reported and barred from practicing Laws. She knowingly presented fraud to the court. She presented it in her Motion to Strike and after she was made aware she omitted the one signed by XXXX XXXX and again submitted the other signed by XXXX XXXX in the Motion for Summary Judgement. These fraudsters have signed countless fabricated, forged Mortgage Assignments for many different banks and financial Institutions. XXXX XXXX signed with a XXXX or scribbles, or Markings not as XXXX XXXX XXXX, as required on his notary application by FL state laws, and also with many other different signatures. A copy of his notary application in FL with his signature is enclosed. He has stated in sworn statements his named was also signed over 5,000 times by others people. Some of these fabricated, forged documents were also witnessed by XXXX XXXX, and XXXX XXXX with all different type of signatures for each individual named herein that was used in their fraud. Therefore, COMMITTING FRAUD IN THE COUNTY RECORDS AND COURTS JUDICIAL SYSTEM. I HAVE ALSO ENCLOSED A COPY OF A LETTER FROM THE OFFICE OF THE ATTORNEY GENERAL IN THE STATE FL in regards to their investigation in Ocwen Loan Servicing. Please investigate this matter in regards to this fraudulent Assignment of Mortgages and please forward it to any offices or departments that need to investigate this fraud. Thanks in advance for your assistant in regards to this matter. Please inform me in writing via mail and email of your intention in regards to this matter. Sincerely, XXXX XXXX ( aka ) XXXX XXXX XXXX
Company Response:
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have filed BK in 2009 and got it discharged in 2009, under XXXX the mortgage that was involved on the BK still shows up. I need this fixed and OCWEN should not have this on collection. Account number XXXX
Company Response:
State: AZ
Zip: 85033
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This new complaint is for Ocwen Loan Servicing only! We received a package from Ocwen on XX/XX/2018. This package, XXXX tracking # XXXX contained what appears to be the original note, original Deed of Trust along with a letter reflecting the loan was paid in full. Ocwen, please answer the following questions below so we can understand what has occurred with our loan. 1st, Why did Ocwen loan Servicing hold our original Deed of Trust when this legal document was suppose to be held by the trustee, XXXX XXXX XXXX? 2nd, Is Ocwen aware, when the trustee does not maintain the original Deed of Trust, the trustee which is XXXX XXXX XXXX can not legally enforce the Deed of Trust? 3rd, Why was our mortgage loan transferred to the trustee several years ago when the trustee, XXXX XXXX XXXX never maintained the original Deed of Trust? 4th, Did the investor ( s ) receive a certified copy of the original note when the original note was sent to XXXX XXXX XXXX prior to Ocwen purchasing XXXX XXXX XXXX? 5th, Why did the trustee, XXXX XXXX XXXX, state in writing that our mortgage loan investor was XXXX XXXX? 6th, Is Ocwen fully aware that XXXX XXXX purchased this loan from XXXX XXXX XXXX and placed this mortgage loan into XXXX XXXX XXXX XXXX?
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Incorrect loan amount appears on credit report, no reports of paying on time for last 4 years, no payment of interest on money when payment held in suspense, generating false payment reports than regular payments of loan
Company Response:
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2018-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: What is the complaint? The mortgage company XXXX is doing another BPO ( 5th time ) and continueing to delay short sale and not accept a property apprasier estimate that we gave to them and only accepting their BPO by real estate agent who are not certified appraiser. this is our second complaint, Please help and render justice to our situation as I am older and ill with hardship. I have a property up for short sale and closing listed with a realtor since XX/XX/XXXX. The property has a buyer and all paper work and documentation for this transaction has been provided. I AM TRYING TO AVOID FORECLOSURE. And feel my mortgage servicing company ( Ocwen ) is not acting in good faith as a fiduicary. Also use delaying tactics of requesting the same docs over and over again, having uncertified realtors act as as appraisers to come up with an BPO or valuation price for the property, which is unrealistic based on the damage and required repairs, etc. The property is listed as under XXXX, but their valuation price is over XXXX. What problems are you having? Ocwen is not accepting our licensed and certified appraisal sale price report in making their approval decision for the sale of property. We want them to used the certified appraisal report in the decision and act in good faith as required by law. Also we need the cash incentive offer to help with our moving expenses to be allowed due to all the delays in processing our transaction. What happened? The mortgage servicer had BPO done twice by unqualified appraisers ( realtors ), My realtor and I requested a copy of the lastest BPO done by their realtor in XX/XX/XXXX, and they denied such a report exist. Although my realtor talked to their realtor at such property and say it was to be kept confidential. We need a copy of the lastest valuation report prepared by the mortgage servicer. I believe their BPO is not a good faith estimate or fair market price. Certain factors such as damage and repairs should have been factored in determining the market value such as new roof, repair sewer septic tank system, garage door replacement, kitchen repair due to water damage and mold remediatation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a loan that was originally serviced through GMAC and now being serviced through OCWEN. The loan number is XXXX and FHA case # XXXX. My initial request for mortgage relief was extremely frustrating with constant re-submission of the same documents because the OCWEN said that they never received the documents. Ive made several applications for mortgage relief and my application was denied for missing documents or other ridiculousness. My income was higher and I didnt get the loan mod. Eventually I received a modification ( with less income, what! ) for mortgage relief and the payment was even higher. How does that provide relief to the homeowner? This doesnt make sense. If Im struggling with a mortgage payment, increasing the payment isnt providing relief and makes my struggle with making payments worst and setting me up to continue to default not meet my payment. I tried making the trial payments, but of course they were too high for me to handle as a single parent with a family ( and a terminally ill family member ). The increase mortgage payment didnt help. I reapplied for a mortgage and was denied. I had to file bankruptcy. I reapplied again for a loan modification. I received a modification with the payment being increased almost {$700.00}!!!!! from the original mortgage payment. I could not believe this extremely higher payment. Again, I made the trial payments hoping to receive relief for a permanent modification. I did receive the permanent modification and again the payment increase to a whopping {$1000.00} from the original mortgage payment. Again this is NOT mortgage relief!!! I asked for an appeal for a review and was told that this is the results. I asked for the office of the president and was sent to the ombudsman for an appeal. Ocwen would not give me the information for the office of the President. The ombudsmans response was the same outcome for the higher mortgage payment. I next asked for a short sale, because that is one of the options I was given in my notice from Ocwen as an alternative to foreclosure. Ocwen denied the short sale, because they wanted FULL pay out of the load. Again, not providing mortgage relief for me. I tried calling several people in Ocwen and was told a different reason for the denial of the shortsale. This time I was told that Ocwen stated that FHA denied the short sale. After contacting HUD, I was told that there were several things that OCWEN didnt do while servicing the FHA mortgage, including the MIP. HUD denied the shortsale because OCWEN failed to follow FHA guidelines. However HUD mentioned that OCWEN could still allow the shortsale but HUD would not participate or payout on the shortsale. I made an appeal to OCWEN for the shortsale and was denied the appeal. OCWEN stated that they wanted full pay out of the loan. Per Ocwen 's letter " We carefully reviewed the mortgage assistance application for our short sale program. Unfortunately, we are not able to offer short sale assistance as this time. Our decision was based primarily of the following : We are unable to offer you a standard short sale because the owner of your loan is requiring no less than the full amount owed to satisfy the loan ( ~ {$480000.00} ) ''. The full payout of the loan was worth much more the value of the house. Also, the full payout of the loan was not accurate. The full pay out amount that I was sent did not include ANY of my payments that I made during the modifications. I didnt get credit for the loan modification payments that I made. Ocwen didn't service the loan according to HUD regulations for FHA mortgages and Ocwen did not give me credit for the modification payments that I made. I need help and someone to intercede with OCWEN and provided a reasonable loan modification that will provide mortgage relief for me. Helping homeowners us not what Ocwen does. But why didnt I get a loan modification when I first asked! All of this would have been avoided! Thank you for any help you can provide.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ocwen has had a negative on my credit report since I sold my home in 2015. I have been writing to the credit reporting agency to have it removed but Ocwen has refused to take the negative off. I joined in a class action suit against Ocwen and case was settled in our favor. Copy of the settlement letter and check from the Dept of Business Oversight is attached hereto. When I have made calls to Ocwen they say they have no record of me and asked me to provide the dates in question. Yet they still report negative info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2018-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX is holding my payoff hostage and stating that even though I requested a payoff that was good through XX/XX/XXXX, and I closed on XX/XX/XXXX until I come up with another {$2400.00}. At the same time, they are telling me I am in default because I didn't pay my XX/XX/XXXX payment, that shouldn't even be due because I closed in XX/XX/XXXX for the refinance. They say that the reason I owe the money is because the escrow account was short, but I pay into the escrow more than enough for taxes and insurance each month, and on top of that, they won't provide me with an escrow analysis to show where my monies have gone.
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A