Date Received: 2018-10-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This property belongs to an XXXX XXXX XXXX XXXX XXXX The family was left with these properties without a will. They had to go to Court and fight to try and save the properties. They received no notice from anyone concerning a property sale date for XXXX XXXX XXXX, XXXX, NY XXXX. When the family tried to find the contact for this property, they called XXXX And there was no one to speak to they could not find the property address on their files or a loan number. We contacted Ocwen Loan Servicing with the loan number from XX/XX/2013 and they could not find or locate any information concerning the property. Now a person has been calling by the name of XXXX from XXXX. There has never been any notices of any kind sent to the Administrators of the XXXX XXXX XXXX the grand son or the co-administrator were never notified of any foreclosure by Ocwen Laon Servicing or XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am currently in foreclosure at the beginning of this process I hired an attorney with the intention of keeping my home. We were offered a favorable loan modification that would allow us to keep our home. The only issue is we were not informed of the offer until it was way too late to accept it. Once I learned this I immediately began trying to contact our loan servicing company : Ocwen Loan Servicing, LLC XXXX. XXXX XXXX XXXX, TX XXXX-XXXX XXXX XXXX ) XXXX I submitted all the loan modification paperwork including all documentation that was requested. I then called every few days to see the progress of the application. I was informed about a week later that the application was denied. Even though I tried explaining that we were offered a loan modification but that my prior attorney had not informed us until after the offer had expired. I was told to appeal which I did and the appeal was denied as well. We are now dangerously close to losing our home as the foreclosure proceeding are nearing the end. I then emailed the only executive email I could find. For the prior CEO of Ocwen hoping that someone at the executive offices would assist me XXXX XXXX XXXX I received an email back the next business day informing me that my point of contact would now be Specialized HRD Escalation Agent, XXXX XXXX ( XXXX ) XXXX. XXXX is your designated contact for inquiries and the submission of documents as needed. XXXX is available during the following hours : Monday Friday XXXX XXXX XXXX XXXX ET Ocwen Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX I have tried calling several times all with no response. PLEASE HELP MY FAMILY KEEP OUR HOME
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX has been trying to bring his loan current for years. He has been advised for years by an attorney who he paid on a monthly basis as he was instructed to not speak to the bank and to pay him. This attorney has moved and closed his office after being paid over {$25000.00}. XXXX XXXX ' wife passed away and he has been trying to put his life back together along with his children. His loan has been transferred to at least 5 different service XXXX XXXX has sent documents and proof of documents sent. At this point he is well able to pay a mortgage. he and his children are employed. Ocwen Loan servicing is the servicer on his loan and they have put him in a sale date with no notification of a sale to him. He found out about the sale from people calling trying to get him to sign the home over to them for a small amount of money. He was not sent any notice of sale as required 30 days before scheduled auction on his home.
Company Response:
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am unable to communicate with Ocwen because I am being represented by an attorney. My attorney has made several attempts to communicate with the servicers attorney XXXX XXXX and even sent him several emails, as of today no response. My insurance agent has made several attempts to get my homeowners insurance policy renewed, as of today she hasn't been able to get anyone at Ocwen to assist her, probably because the servicer is pulling another flimflam to sneak in another force place insurance policy again. How am I suppose to get matters resolved if the servicer wont communicate with me and its outside lawyer XXXX XXXX wont communicate with my lawyer?
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am unable to get information on account number XXXX. My attorney sent XXXX XXXX several emails requesting for a loan modification with a payment I could afford. Its been over 30 days and no response. I have been recording the automated information on my account. On XX/XX/2018 there was a sudden change to the account during the time the servicer was merging with XXXX and I recorded it. The automated system informed me that a new mortgage payment in the amount of {$2900.00} is due XX/XX/2018. On XX/XX/2018 the trustee sale was postponed to XX/XX/2018. On XX/XX/2018, the automated system gave me different information again. Since XXXX XXXX is not responding to my attorneys emails I called Ocwen myself to get information on the account, my call was automatically transferred to the law department, the representative told me I would need to contact XXXX XXXX to get the update. How am I suppose to get information on the account if the servicer and its outside lawyer wont give me information?
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XX/XX/2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XX/XX/XXXX/XX/XX/XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you
Company Response:
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen Loan Servicing is using abusive unfair and deceptive loan servicing tactics in connection with my foreclosure process. Ocwen provided me an approved modification based on personal and financial information I DID NOT PROVIDE TO THEM. I declined the modification on XX/XX/XXXX and on XX/XX/XXXX, Ocwen made a motion for renewed summary judgement against because I did not accept the bogus modification. See attached. This is the fourth time Ocwen has done this. Ocwen is using the loan modification process to cause me great harm.
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I requested a loan modification in XX/XX/XXXX or XX/XX/2017 and now after a year, I am being charged a past due fee of {$110.00} for a property evaluation they did. I was never notified, no authorization and no notification that I will be responsible to pay for this evaluation. First time I heard about this was when they added this past due in my mortgage statement in XX/XX/XXXX. Called to clarify what was this all about and this is what they told me, that a property evaluation was needed because I applied of a loan modification and that they need to know the value of my property. They denied me flatly at that time because I was not in default on my mortgage payments. So what is the point of the evaluation when they know they will not approve it. I called several times for them to take this out but they said they will not. Is this legal for them to charge me this? Wondering if this is a new rule that property owners asking for loan modification have to pay for something that they don't know about, that lenders can just do whatever they want without requesting for approval and then ask property owners to pay for it? As far as I know, when someone applies for a loan modification, they are not to pay anything regardless.
Company Response:
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage and HELOC and Ocwen is the mortgage servicer. I've been making timely payments on both loans since 2005, mostly via online or over the phone and have never been charged a " service fee '' for paying electronically. Now Ocwen is charging {$7.00} to make payments online or over the phone. These payments are deducted directly from my checking account, so there is no credit card fees or any other fees incurred by Ocwen. In fact, electronic payments reduce Ocwen 's operating costs as I'm not sending checks to their lockbox which charges them a per check fee to process. Given Ocwen 's well documented violations and substantial penalties assessed, you would expect them to be more consumer friendly, however, that's definitely not the case as this outrageous processing fee demonstrates. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 33703
Submitted Via: Web
Date Sent: 2018-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: For reasons that have become clearer over the past two years, it is now my belief that there never was any mortgage loan to me. I never received any evidence of any loan disbursements for {$310000.00}. to anyone. I received debt collection notices from XXXX XXXX alleging to be debt collectors on behalf of Ocwen Loan Servicing, LLC regarding " the mortgage which encumbers the above real property ( " the " Mortgage '' ). The Note evidencing the loan in the original principal amount of {$310000.00} and the Mortgage are collectively called the " Mortgage Loan ''. This was Re : XXXX XXXX File # XXXX, for Property Address XXXX XXXX XXXX, XXXX, Massachusetts XXXX. According to XXXX the amount of the debt as of XX/XX/XXXX was {$310000.00} and the creditor to whom the debt is owed is XXXX XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX Asset=Backed pass-Through Certificates Series XXXX. Yet the document filed at the Registry of Deeds says " ASSET-BACK '' not " asset-backed ''. This information is not accurate. I disputed the debt with XXXX XXXX but they ignored my dispute and refused to send me the requested information to show any evidence that make them believe that I owed the debt. I filed a complaint with CFBP on XX/XX/XXXX ( complaint # XXXX ). CFBP informed me on XX/XX/XXXX that they could not send my complaint to XXXX XXXX. On XX/XX/XXXX I sent XXXX XXXX evidence of additional facts and am submitting those same facts via this complaint directly to Ocwen Servicing LLC as XXXX XXXX encouraged me to contact the servicer. History of Ocwen Servicing LLC involvement : I received a " Notice of Servicing Transfer ( RESPA ) and WELCOME TO OCWEN LOAN SERVICING, LLC dated XX/XX/XXXX. This letter was on joint letterhead of both Homeward Residential and Ocwen Servicing LLC. ( see attached ). According to this letter, this was effective XX/XX/XXXX. According to the transaction history report I found by signing into Ocwen Servicing LLC website in XX/XX/XXXX, a loan disbursement of {$260000.00} was made on XX/XX/XXXX. It doesn't say to whom this loan was made. This same transaction page shows that on XX/XX/XXXX an escrow payment of {$120.00} was received. This escrow payment appears on the Annual Escrow Account Disclosure Statement Account History dated XX/XX/XXXX shows this same amount on the same date. This disclosure page did not report actual payments I made to the escrow on XX/XX/XXXX and XX/XX/XXXX, each in the same amount of $ XXXX. I wrote to Ocwen on XX/XX/XXXX via certified mail which they received on XX/XX/XXXX. I received a letter dated XX/XX/XXXX from the Office of Consumer Ombudsman thanking me for the correspondence and informing me they would address this within 10 days. I never received any further response. I also submitted my first complaint to the CFPB regarding this very issue in XXXX which the CFBP referred to the Office of Consumer Ombudsman and again I never received a response. In XXXX and XXXX I reinitiated my attempts to resolve this due to credit reports that I had since obtained that falsely report this as a 40 year loan. It is my understanding that a 40 year loan is a commercial loan and I did not apply for nor obtain a commercial loan. Ocwen also reports " monthly payments '' to the credit reporting agencies that include the escrow amount for home insurance and property taxes as " monthly payments '', implying that the entire monthly payment is going to principal or interest or both. The transaction report I have scanned show that these are in fact being distributed to the Town of XXXX and to the hazard insurance company. Ocwen correspondence sent to me says that I can discontinue the use of the escrow account at any time, however the XXXX mortgage modification document says that I can not. Another significant dispute is related to my hazard insurance. XXXX XXXX discontinued my home insurance in XX/XX/XXXX allegedly due to non payment. AHMSI who was the servicer at the time initiated forced placed insurance at a cost significantly more than the home insurance. The forced placed insurance was $ XXXX vs XXXX XXXX which cost $ XXXX. I paid this amount for two years. The Insurance is by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX, c/o CT XXXX XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, PA XXXX. In XXXX, a researcher at AHMSI located the cancelled check showing that XXXX XXXX XXXX had in fact received and cashed this but " accidentally '' applied to the wrong account. My insurance agent XXXX XXXX of XXXX XXXX XXXX notified me that XXXX agreed to retroactively insure my home if agreed to waive any claims against them. I said I would agree only if XXXX was willing to retroactively cancel the forced placed insurance. The result was suppose to credit me with the difference of two years of forced placed insurance premiums which was approximately {$4400.00}. THIS NEVER HAPPENED. I spoke to a lawyer about this and he said this didn't even make sense because XXXX owed no duty to refund premiums already earned and unlikely to do so. Shortly after these events, AHMSI immediately transferred my servicing to Homeward Residential without notice and then Homeward Residential transferred to OCWEN Servicing, LLC. again without proper notice and this has gone completely unresolved through no fault of my own. I have also attached copies of documents that I just sent to Olans PC via certified mail and electronic mail on XX/XX/XXXX that address the validity of the loan and the " commercial loan '' factor, which appears to me to have something to do with XXXX XXXX whom I believed to be my former employer but based on evidence I have discovered over the past year, are reportedly my owner not employer. If this loan is related to my employment with XXXX XXXX or my " association '' with XXXX XXXX, it was without my knowledge or consent. I applied for a job that was advertised by XXXX XXXX in the help wanted section of XXXX. I signed an employment agreement and I was paid via XXXX, participated or at least paid for benefits offered by XXXX XXXX including contributing to their XXXX since XXXX. Yet, curiously, XXXX has no record of my employment nor the employment of anyone else that works at XXXX XXXX that obtained their credit reports which is concerning since XXXX is also the agency responsible for identify verification for the social security administration. Also, when I attempted to get my XXXX credit report, the website asked me to verify my identify by answering questions based on information in my credit file. XXXX gave me the following question and options : " Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? XXXX XXXX, XXXX XXXX, Ocwen XXXX XXXX or XXXX XXXX, or None of the Above. I guessed and selected Ocwen Financial Corp. and this was the correct answer. So Ocwen Servicing LLC is not Ocwen XXXX XXXX and neither is XXXX Bank ; although I understand XXXX Bank owns Ocwen XXXX XXXX. I have no records Ocwen being the creditor, I thought they were the servicer. So, I would like to know who the creditor really was or is and I would like documents showing the funds actually being transferred from the initial loan to the person I purchased the house from. I want copies of all loan documents and terms. I want transactions records of all credits and debits and all insurance and taxes paid. I want to know who that loan disbursement was made to in XX/XX/XXXX and all documents I requested of XXXX XXXX in my letter dated XX/XX/XXXX in response to the debt collection action, including all documents that make them believe I owe the debt, as well as HUD settlement sheet, TILA Disclosures, copy of the Complete Mortgage, the Loan Note and Notice of Right of Rescission. Please stop all other communication with me and with this address. Please record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ) also report the debt is disputed.
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2018-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A