Date Received: 2018-10-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I NEED A LIST OF ALL PAYMENTS MADE VIA XXXX OR XXXX XXXX BETWWEN XX/XX/XXXX TO XX/XX/XXXX SENT TO RECEIVING CODE XXXX.
Company Response:
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2018-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is on my HELOC dated XX/XX/XXXX, When mortgage crisis hit we had to refi, our first, ( this was before programs were available ) Husband lost his job in XX/XX/XXXX, did receive help from Keep Your California. My husband then became ill in XX/XX/XXXX, with XXXX XXXX. Applied for modification with Ocwen ( org. loan done by XXXX XXXX of the companies that was bailout by taxpayer money ) XX/XX/XXXX Ocwen granted modification on the first extended terms to 40 yrs but said could afford the HELOC as it was interest only at the time, pmt XXXX a month. House was upside down at this point. Tried again in XX/XX/XXXX for help with a modification On The HELOC after my husband died, claiming loss of income and hardship, was denied, said could afford pmt, house still upside down. In XX/XX/XXXX tried again after I was told in may of XX/XX/XXXX my pmt would be principal and interest, letter came in XX/XX/XXXX. I called to ask what the pmt would, and i was told I would get that info. in XX/XX/XXXX. Pmt went to XXXX a month 5 yrs to pay, submitted another modification, denied third time, now they said I had equity and to sell it. Hired an attorney to submitt another modification denied fourth time, said my house was worth XXXX I owed XXXX 1st and 2nd. Had an apprasial done came back at XXXX, dismissed the apprasial and they said it ; s worth XXXX said to sell it. Attorney said they are playing hardball. At this point I am going through my savings to pay the HELOC, getting close to not being able to afford the pmt so I reached out to Ocwen. I have tried to refi, don't make enough money because of hardship, I do not qualify for Harp because of there guidelines, and HUD counselors haven't been able to help. Thank You for your time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: OCWEN Mortgage Servicing is taking my home through the foreclosure process, even though they have never taken a look at helping me with my mortgage. They have been combative through the court system and I have reached the end of my resources and am in the final stages of foreclosure. I have used several attorneys to try to help me get things back on track from suing them for giving me a fraudulent loan to attempting a loan modification. However, I am so frustrated that they have not helped me with my FHA loan, even though I have tried for the last nine years to get my loan back on track. I had a significant health issue which has left me XXXX since XXXX and have been on a limited income since that time. Due to a malpractice settlement, I was given {$250000.00} and used {$100000.00} of it to purchase my home in XXXX. The loan agent told me that I would be able to refinance my loan to a lower payment and receive all of my down payment back. I contacted him after the year was up and he began the refinance process. He told me that I would get everything that we discussed the year prior. After the refinance was, I was absolutely shocked when I received a check for only {$7000.00} and my payment tripled. I was conned in the worst way possible and basically, XXXX XXXX was stolen from me and I was put into a loan that I could not afford. I burned through all of my remaining money, which I had to live off of for the rest of my life, in order to make the mortgage payment. As I watched my money disappear, I decided to hire an attorney to help me get out of this loan and make things right. I went through several attorneys who said that there is nothing they could do and that OCWEN wouldnt even work with me to modify my loan. This has been an absolute nightmare and OCWEN isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible.
Company Response:
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I inherited a house from my mother in XXXX of 2015 and the house is financed through Ocwen mortgages. I have been trying for several years to refinance the home because Ocwen keeps raising the interest rate every 6 months, and have not been able to, due to most of my income being tips from bartending. Ocwen refuses to work with me and now my interest rate has jumped 5 % in the last 3 years. I feel there is something not right here and Ocwen is not being truthful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have repeatedly tried to set up repayment plans with Ocwen Loan Servicing after falling behind a year ago. Each time they found a reason to cancel the plan, meaning each new plan was for a higher amount. Today I set up a 5th payment plan, which will take about half of my monthly income to reinstate my account. I can not afford this ; I had a XXXX XXXX injury last winter, two months ' out of work, and hospital bills. I have always followed their instruction on payments -- always. But their notes seem to show me at fault for " paying late '', though I have not. Please see my attached letter, sent to Ocwen requesting help ( unanswered ).
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed a complaint with the CFPB, in XX/XX/XXXX when I discovered an error in reporting by Ocwen Loan Servicing. Ocwen responded with a letter stating they would correct the reporting with all 4 major credit report companies, ( see attached ). I've been getting turned down for credit cards, so I requested a copy of my credit report from XXXX. The first item on the report is the payment history from Ocwen. It still shows late payments for XXXX - XX/XX/XXXX and a 150 day late payment in XX/XX/XXXX. I just reviewed my complaints to the CFPB, and it shows that I did file a complaint and that Ocwen responded with a letter dated XX/XX/XXXX. Letter states that they would get it corrected. Obviously, Ocwen is a disaster! Please penalize them, and require them to get this corrected on all credit reporting sites.
Company Response:
State: NE
Zip: 68506
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen is using faulty information in the servicing of this mortgage loan. Ocwen has failed to deliver required foreclosure protections. I provided Ocwen with an Error on the mortgage loan. Ocwen has failed to properly respond to a Notice of Error and request for information. Ocwen has failed to properly acknowledge and investigate my complaint. I provided a rebuttal letter to Ocwen indicating the Notice of Error and Request for Information was not properly responded to by providing an answer.
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Its hard to believe that after 19 long months fighting these masters of technicality, they are still causing me problems. You have on file some of the problems I presented many months ago but they never quit! They are corrupt and I have proof! Even to the point of the final signing with my ex-spouse, they fought. Signatures on XX/XX/2018 were initially rejected, after they were rejected a week before and forced us back before a notary. Yet, when I called no one could spot anything wrong with the signatures!! They insulted the integrity of the bank notary, myself and my former spouse. A XXXX, in their Ombudsman dept. did ask for a " Why '' on the second notary signing and it was overturned. One person in 19 months that actually helped me, ONE. Now, after all this, Ocwen received my XX/XX/XXXX payment on XX/XX/2018 and that's when they actually accepted the signatures. That's right! I was told by including XXXX my payment history would not be updated until the first week of XX/XX/XXXX. Lies. Now they tell me they are not going to update my payment history until the end of XX/XX/XXXX.!!!! Its a shame. Its hurting me, really bad. The new reduced payment amount of the mortgage is showing at the credit bureau, that is {$1100.00} but I am still showing 120 days PAST DUE!!!! IT isn't fair. They are constantly on a witch hunt, a fishing expedition and change the rules just anytime, whenever, wherever .I cant begin to express the humiliation, daily pressure, the ungodly days and nights I've spent with this, and again, had I known just how wicked they were, and that they were facing a cease and desist order I would not have fell into their mod trap. I expect them to correct my payment history at the credit bureau immediately to show current and paid to XX/XX/2018 Ocwen also needs to immediately stop sending my former spouse 's mail to my address. They apologized for this a year ago but started right back months later. She was patient and cooperative during the signing process and I am thankful and wish her sincere blessings. I am paid to XX/XX/2018!! Thank you CFPB XXXX XXXX XXXX XXXX XXXX. # XXXX
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2018-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I filed for bankruptcy in XXXX and all my debts were discharged in XXXX. The property at XXXX XXXX XXXX, XXXX XXXX, IN. XXXX was not reaffirmed during this process. I have continued to pay the property taxes and maintain the home. I discussed with loan officer # XXXX and he explained to me that the mortgage was written-off by the mortgage company Ocwen over a year and half ago. I requested the documentation that supports that this lien has been satisfied through the write-off process. To date I have not received the documentation. I started asking about this over a month ago and i got no where. Loan number is XXXX The loan officer 's number is XXXX. He stated that he would contact me with updates had not received a return to call so I called back myself and still got nowhere in the process. I need assistance to clear up this matter.
Company Response:
State: MI
Zip: 489XX
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am a XXXX person with a modification in place w where the UPB has been paid in full and with no prepayment penalty and 0 % interest on deferred principal balance. payments of {$1600.00} and {$1500.00} there on. With intent to foreclose, Ocwen chareged a unwanted appraisal fee of {$110.00}, refused payments sent, sent delinquency notices, kept escrow account in red, loan in past due status and charging a 1 % not applicable as principal deferred is 0 % interest. statement dated XX/XX/2018 show last activity from XX/XX/XXXX to XX/XX/18 with a deferred principal balance of {$100000.00}. with XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments of {$1500.00} deferred principal balance should reflect {$94000.00} as correct principal deferred balance.
Company Response:
State: CA
Zip: 92831
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A