Date Received: 2018-11-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Applied several times and was denied by Ocwen financial servicing for a modification loan, even got 3 jobs and was still denied. Filed bankrupcy in XX/XX/2017 and then got hurt in job and couldnt pay bankrupcy payments and so it was dismissed. Please help. XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX filed a foreclosure complaint against me on XX/XX/XXXX and that foreclosure complaint was DISMISSED on XX/XX/XXXX, attached. We have made several complaints against XXXX & Ocwen with the CFPB in-regards to their ownership. There is no default to XXXX or Ocwen as they do not own the mortgage and/or note for our property. In XXXX of XXXX, XXXX/Ocwen prepared a settlement offer for {$260000.00}. We were approved and then later denied a home equity loan from XXXX because of title issues. We and our attorney made XXXX/Ocwen aware of XXXX issue via email. We also attempted to remediate this issue by filing a case # XXXX and a prior case # XXXX with CFPB. This matter has caused us serious hardships, please review and reopen my former complaints, along with this complaint against these agencies. XX/XX/XXXX XXXX reached a {$600.00} XXXX dollar settlement over charges of abusive mortgage practice and in XXXX of XXXX, around the same time we filed a complaint # XXXX with CFPB, CFPB sued Ocwen for failing borrowers throughout Mortgage Servicing Process. These agencies should be held accountable for filing a foreclosure action that was DISMISSED. If we would not of won our appeal we could of lost our home and been homeless. Please provided relief and assistance to ensure we keep our home and have them pay our attorney cost. They dont have standing and they dont have the right to foreclose. I have not been able to refinance or do anything for three years because they dont have any standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2018-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was left a voice message on my cell phone on XX/XX/XXXX from telephone number XXXX saying that I was going to be issued a summons, but it did not say for exactly what. They left a number to contact to get information about the summons. This telephone number is XXXX. When I called back a person answered calling themselves XXXX and identifing the company as XXXX. She asked me for my name I told them my first and last name and they verified my identity telling my last four numbers of my SS # and I confirmed it. She went on to tell me they were a collection agency that had obtained an old debt of mine. When I asked her what it was for she said it was an old delinquent bank account from XX/XX/XXXX and the collection balance was just over 900 $ and if this went to court it would reach over 3000 . I asked her the details of the account such as the bank name, the date the account was opened, and the state it was opened in. I knew I had never banked with that institution at that time and definitely not in that state, so I knew it was fraudulent and then I told her she was out of luck anyway because the statute of limitations had expired for collecting such an old debut. She said I would be served in a couple of days and to have a blessed day and then hung up.
Company Response:
State: LA
Zip: 70360
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mom is the original owner of the house since XX/XX/XXXX. In XX/XX/XXXX my mother and I obtained a new loans from XXXX XXXX XXXX and the tile company that close the loan no longer in business and the mortgage company is not in business. The service company was Ocwen servicing. We started paying the loan for serval years when asking the service company about the deeds of the property no response. Mother stop making payments for the loan for one month due to financial issues and the Ocwen didnt want to receive any more money from her. I tried to refinance the loan because I could not. InXX/XX/XXXXXXXX filed for possession of the property with a copy of the deeds of trust not with the original document. At that I could not find any other information about the mortgage. The deeds was not registered in my name after tens years. I never received any information from XXXX about the mortgage. The property is located in XXXX Maryland XXXX XXXX XXXX XXXX Maryland XXXX. I need help with my house. I paid a lawyer more than {$10000.00} I dont have any other money. Please call if any other issues XXXX
Company Response:
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello, I am sending this in hope of receiving assistance with issues we are having with our mortgage servicer, OCWEN. We have attempted to work with OCWEN to request a loan modification due to a financial hardship that we experienced due to an injury I sustained and my subsequent XXXX. In our attempts, OCWEN has been prejudiced in assisting us by fabricating information and completing erroneous calculations in an attempt to deny our modification request. OCWEN was made aware of my XXXX and stated my XXXX earnings are not a source of income. They allege our situation was a deterrent for satisfying their expectations ; although we have provided them with overwhelming information that we meet the qualifications to qualify for a modification based on our financial information. They have treated us differently and did not consider our application under the same practices as they would to an individual without a XXXX. We initiated communication to OCWEN to start the loan modification process and explained my XXXX. Once they were made aware that my XXXX earnings were not employment earnings they were prejudicial in the handling of our request. In fact, we had received no information from them for assistance until they did the following : 1 ) sent us notification that OCWEN had filed for foreclosure on our property, prior to any dialogue that this was their intent or to provide any assistance to work through an amicable resolution ; 2 ) sent us notification that OCWEN had received our full financial package to evaluate our account for a loan modification. However, their claim that they had a full financial package was a false statement ; because when we sent the package to OCWEN we had omitted financial numbers regarding income from the documents. This was done because we had a scheduled telephone appointment on XX/XX/2018 to provide the financial information in detail. However, it became apparent that the reason their response was made on false representation was so that they could expedite a denial of our request for a loan modification ; 3 ) OCWENs letter dated XX/XX/2018, denying our modification due to NPV, which was done without financial information and the denial was issued 3 days prior to our telephone appointment ; and 4 ) OCWENs letter dated XX/XX/2018, advising us that our account was going into default and was inquiring about providing assistance. This letter was sent more than a month after OCWEN petitioned for foreclosure and 5 days after already denying us a loan modification. OCWENs indifference to our situation has been made very apparent from representatives because of my XXXX. Our financials strongly support approval of a loan modification, including substantiation that 25 % of our income towards a mortgage payment makes our payment very affordable. We can make our mortgage payment and are looking for a resolution to get our account current. We have been in our home for 20 years. This is where we have raised our children. We are established in the community through church, friends and family. Our home is structured to accommodate my XXXX, which is a necessity to function with everyday life tasks. I am at a loss on where to turn to for assistance. We do not have the financial means to obtain an attorney and OCWEN is fabricating information to foreclose on our home. I have several documents supporting their unfair practices and how we have been treated since they learned of my XXXX. Based on information we reviewed on your website about assistance, we are hoping that you would be able to assist. Or, if you would be able to provide resources that could be supportive in our situation. My XXXX is due to a horrendous accident that left me incapacitated for several months ; severely to the point where I was hospitalized and unable to care for myself. This injury and subsequent recovery process has been devastating to our family. We want to keep our home and we can afford it. Going into foreclosure because I was XXXX and faced with a temporary financial hardship should be considered. OCWEN states that it is their priority to assist customers to remain in their homes. Some sort of modification is a reasonable accommodation to assist with a resolution for a homeowner who 1 ) although has suffered a XXXX and suffered a financial hardship, can afford to keep their home 2 ) would suffer more adversity in having to relocate in the midst of recovery due to a XXXX, and 3 ) would have to find the means to recreate adaptions to living arrangements to accommodate a XXXX. OCWEN has not demonstrated any good faith efforts to resolve this and, in fact, has provided conflicting and contradictory information related to our account which can only be construed as unethical. We were never provided an opportunity to resolve the situation prior to OCWENs petition to foreclose. A reassessment to help us stay in our home would also exemplify OCWENs mission to help homeowners. Taking our home, even when we have the ability and willingness to keep it, is a cruel and heartless act, especially when done for profit.
Company Response:
State: CA
Zip: 91710
Submitted Via: Web
Date Sent: 2018-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX 's home sold back to Ocwen on XX/XX/2018. There was a 6 month redemption period in which Mr. XXXX had planned on gathering funds to redeem the property. Ocwen and their attorneys were notified of Mr . XXXX 's intention to redeem. On XX/XX/2018 Ocwen was sent a request for the Redemption Payoff Amount. Ocwen 's attorneys advised that it would take 4-7 business days to calculate and notify Mr. XXXX. Mr. XXXX did not receive the redemption figures until XX/XX/2018. On XX/XX/2018 Ocwen requested a call on XX/XX/2018 to discuss the logistics of the redemption. On XX/XX/2018 Ocwen sent Mr. XXXX a Notice to Vacate expressing their intentions to initiate eviction proceedings. Ocwen has violated Regulation X, 12 C.F.R. 1024.41 ( g ), by failing to honor Mr. XXXX 's request for redemption and by advancing foreclosure during the redemption negotiations.
Company Response:
State: MI
Zip: 48329
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I already paid back all of the money he used to purchase my house and have proof of each payment by XXXX XXXX and other methods of payment but Ocwen Loan Servicing does not have record of any payment and they are trying to foreclose on my house. This company is posing as a Loan Servicing company of an inexistent lender and they affirm now I owe money to them even when I have paid back all the money I used to purchase my house and the original company who signed on my note is no longer in business and filed for bankruptcy for more than a decade! This company is trying to take advantage of this situation and wants me to continue making payments to them indefinitely. But they do not have legal standing on my property, and they have admitted this by letter, but they blatantly want me to continue giving them money and they are extorting me with taking my house away from me. I have been trying to get an answer by letter from this company but they only respond with vague messages and do not admit I have sent all these payments from me. Instead, they make bigger their invoice every time with new fees. They are demanding more money from me but never provided me with the records of my payments and how they supposedly applied these payments to their so called debt. Also, they are extorting me because they have manufactured two different illegal and FRAUDULENT Transfers of Lien on my real estate property, my own house. I have such documents in my possession and such fraudulent fabrications were made by this company for their benefit and against my interests in an attempt to claim benefits on the property in question. By making these assignments fraudulently, this company incurred in violations of local and state laws, clearly demonstrating the elements of a Texas slander of title claim : Publication or Utterance Falsity Malice These two fraudulent assignments include : A. Forged signatures of the individuals signing on behalf of the grantors, and forged signatures of the witnesses and the notaries ; B. Signatures of individuals signing as corporate officers for corporations that never employed them in any capacity even when original lender was defunct, dissolved by bankruptcy years prior to the assignments ; C. Purported effective dates years. I have evidence of this. D. Assignments prepared on behalf of a grantor who had never himself acquired ownership of the mortgage and notes by a valid transfer, notarized by notaries who never witnessed the signatures that they notarized. These two assignments showed a transfer of interest from a company that is in one state but signed by an officer from a company in another state. F. And the blatant and scandalous thing : This company manufactured the same Transfer of Lean twice. They fabricated two fraudulent documents. Not one but two! With total impudence and illegality, they registered with the government and stamped those documents with official seals from the states of Texas and Florida! So, I need help to stop them because I have all the evidence in my possession but this company lies and nobody is making them responsible for racketeering activity according to RICO law and I do not know where to report this. Maybe the FBI and other agency but I am not sure about it. Also, their so called debt is officially in dispute under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ). But, they are breaking the law and enforcing collection activities before this matter is resolved without any respect to this law. Also they are sharing my personal information, such as address, social security number, etc. to third parties such as credit bureaus, collection agencies, etc. PLEASE HELP ME!
Company Response:
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: To Whom It May Concern : I am writing this letter as my last and final attempt, requesting Ocwen Loan Servicing, LLC to cease and desist order regarding, the erroneous reporting of delinquency from my credit profile at all four credit bureaus for XX/XX/2018, and XX/XX/2018 for account ending XXXX. History On or about XX/XX/2018 I telephoned your customer service department regarding the erroneous charges that were placed on my personal banking account at XXXX XXXX XXXX XXXX that required me to place a freeze on the account. This account unfortunately was the account where, my payments are automatically deducted monthly. I discussed with your customer service agent that due to the nature of the freeze both mortgage payments would possibly be affected and this was beyond my control. In speaking with the agent, I was orally promised that my account was being noted, and that no late fee would be assessed if paid on before the next due date inclusive to the 15th day grace period of XX/XX/2018. I have been a good standing mortgage paying client for over 11 years, all payments are automatically deducted in whatever amount is set by Ocwen that is due monthly. The payment was paid on XX/XX/2018 via XXXX XXXX Web Pay in the amount of {$430.00} attached hereto as ( Exhibit A ). This payment was made to satisfy the XX/XX/2018 payment. The payment for XX/XX/2018, in the amount of {$400.00} was received on XX/XX/2018 and applied on XX/XX/2018. The payment for XX/XX/2018, in the amount of {$410.00} was received on XX/XX/2018 and applied on XX/XX/2018. After being called into the office at my XXXX XXXX, I was questioned regarding the status of the erroneous delinquency credit reporting of my account on all major bureaus, from Ocwen Loan Servicing, LLC. I was oblivious to the reporting because, I was in reliance of what was promised orally by your customer service agent back on or about XX/XX/2018. I clearly was misled, and given false, and misrepresented information from your customer service agent regarding the late reporting on my account. Immediately upon learning of such inaccurate reporting, I immediately disputed, and requested a Transaction History report from your Research Department. The research department was of no help and ultimately concluded that an oral contract had not occurred regarding the delinquency and payment arrangements conducted between your agent and myself, therefore concluding that I was liable. On XX/XX/2018 my disputes had concluded between XXXX, XXXX, and XXXX. After receipt of my bureaus, Ocwen still refused to remove my late for XX/XX/2018. Additionally, Ocwen added an additional erroneous report stating my account was thirty days past due for XX/XX/2018 as well. Ocwen further assessed an erroneous late charge fee to my account for {$14.00} for an automatic payment that was received on XX/XX/2018 attached hereto as ( Exhibit B ). My normal payment procedures, has always been to have payments automatically withdrawn from my account on the XXXX day of every month. I have no control as to when the account is applied. This clearly is an internal system error, and is no fault of my own. Furthermore, I never set the amounts deducted, the instructions for the last 11 years as your borrower has been to deduct what amounts were due and Ocwen Loan Servicing, LLC has never sent notice changing such automatic payment totals were contingent to my selection of the amount to pay. On XX/XX/2018, I spoke with the customer service agent, she assured me that there was no late reporting on credit for the month of both XX/XX/2018 or XX/XX/2018. I asked could I be transferred to your legal department or Consumer Protection Department. In efforts to get this illegal lending practices matter resolved, the agent then referred me to contact the Office of The Consumer Ombudsman via fax or mail.
Company Response:
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Submitted an Appeal for the Denial of my request for Mortgage Modification. I have sent in all requested documentation prior to any deadlines on several occasions in a timely manner.This documentation was submitted in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which we discussed in XX/XX/XXXX. Once the request for Modification was submitted in XX/XX/2018, XX/XX/2018 and then Ocwen requested additional information in XX/XX/2018, at that point I resubmitted the information as well as another copy of the modification request. The documents listed below were attached. Medicare Award Letter {$1000.00} and listed, Medical monthly deductible {$130.00}. Bank statements showing Medicare returning his deductible because he has MediCal as secondary medical insurance. I provided all Bank Statements, in a timely manner. I attempted to make payments online and the payments were not accepted. According to my records ( which I received from Ocwen Payment Center ), I have not been late on any of his mortgage payments in the past years. Since modification documents were not reviewed or completed in a timely manner, the Mortgage Servicer, XXXX XXXX, Trustee Sale Assistant and Contract Management Coordinator at ( XXXX XXXX, XXXX. ( Civ.Code:2923.5 ) failed to contact me, regarding any financial options regarding his mortgage payments or the unauthorized lien payment that Ocwen paid. No initial contact was ever made. My father is a XXXX Veteran with major health concerns that have kept him XXXX XXXX XXXX XXXX. He is in need of keeping his home as this is his only place to live. He needs care that is supplied by me and Caregivers. To file foreclosure is so wrong on many levels of decencies and respectability to a XXXX Vet and/or any person that is able to pay on time. Ocwen, Relationship Manager has cause great harm to us by not accurently reviewing the mortgage modification documents in a timely manner then denying modification. We never knew XXXX XXXX, XXXX existed till received certified documents XX/XX/XXXX to addressee. In light of these facts, I request that you reconsider your decision about the Notice of Default for this order is invalid and should be rescinded and modification be re-reviewed for reduction. I greatly appreciate you taking the time to read this and the attached document. I am happy to talk or email with you at any time to discuss this further so this matter can be resolved. Respectfully, Request 1. Explanation to all additional/extra dollars/fees that Ocwen attached to the loan that were never stated orally or in writing be explained, and subtracted from Ocwen ( Debt Collector ) and Lender ( XXXX XXXX, XXXX c/o XXXX XXXX XXXX XXXX XXXX ) loan Docs.
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am seeking to APPEAL the lenders decision of my denial for my modification and am requesting that the servicer, OCWEN, take time to consider and review my APPEAL of my submission for a modification. The denial letter I received was dated XX/XX/XXXX, see attached. I am requesting that the foreclosure be postponed. I have a foreclosure sale date scheduled for XX/XX/XXXX. " Time is of the Essence ''. Please review APPEAL and please allow me to have a loan modification. I request that you postpone the foreclosure sale date immediately, to allow time for the review for my appeal. I ask that you sincerely re-consider me for a modification for home retention. I request that they modify me into a 40 year loan. That will bring down my payment and allow me time to have my 12 payments with no lates and then I will be able to refinance at that time. Then I will be able to payoff your bad Negative Amoritization loan and I won't have a FLEX PAY/NEG AMORITIZATION LOAN. We both know these loans should have never been allowed to primary home buyers in the first place. These are bad loans for all of us first home buyers. They are a gross negligent loan product for home buyers across our nation. The same way you have declined my request for modification time after time, you should have been so diligent in your lender guidelines to protect all primary and first time homeowners from this predatory loan product. Lenders have a responsibility to first protect every first time and all primary home buyers from this loan. As soon as the market crashed you should have modified us unconditionally. How many home owners have lost their home because of this loan product?? Please provide the numbers. It should have been written in the investor guidelines, " no Flex pay/Neg amortization loans for first time home buyers, ever ''!!! It should be illegal for these loans to be offered to primary homebuyers. Counseling for pre- home ownership would have made no difference for this loan program. There was no way for counseling to have protected me. Only way I could have been protected from this predatory loan would be for it never to have been allowed to exist in the first place, for primary home buyers. Bad lender guidelines. The reason because, from the time of inception of this loan, I have never had an opportunity or option to get out of it, from the investor, or have ever been offered a modification. Even when I called OCWEN and let them know I was in imminent default. They should have been able to offer an option for a modification that would help me to retain my home and get out of this bad loan. In XX/XX/XXXX, my payment on this bad loan went from approx. {$2300.00} to {$4500.00}! in one month!! The loan did a recast. Prior to that I had made 12 months of consistent payments. OCWEN, should have changed it over to a modified bridge loan, to protect both our interests, and allow me to make good on my intention of paying my mortgage for my home. I have a foreclosure sale date scheduled for XX/XX/XXXX. " Time is of the Essence ''. Please review APPEAL and please allow me to have a loan modification. Please let me know if you need any other supporting documents or anything else. Kind regards, XXXX XXXX
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A