Date Received: 2018-09-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen has not ceased my PMI and my LTV is at 65 %. I have approached them thru email and they continue to send letters in the mail that state I need an appraisal. I understand the law is at 78 % LTV PMI is automatically to cease. My last email states this and I have no choice but to gain protection.
Company Response:
State: WI
Zip: 53202
Submitted Via: Web
Date Sent: 2018-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have been receiving monthly bills by mail & and paying online ( no problem ) ; without notification they, OCWEN, changed their policy that, if I receive a paper bill by mail, I can not pay my bill online with out a $ XXXX charge. I called them about the issue, & they said basically, tough luck, thats our policy. Is this legal?
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage payment was denied and lied about my past due timeframe also started new payment I could not afford and would not send modification papers when i had enough time. Ocwen mortgage is setting people up to loose my house. My name is XXXX XXXX from XXXX this is not the only problem I have with them they also have my escrow and my principal balance at XXXX when i brought the house please review everything and the peditory non servicing thieving practices
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX XXXX ( case # XXXX that was the first claim against Ocwen. Now they offer a loan Modification & haven't heard from them their letter dated XX/XX/2018 is attached when I'll be faxing this to you.I 'm demanding some answers from them but they play the same game as the last time asking for more Documents I've sent them in three times no reply. I'm asking can you put some fire at them I've already had a lawsuit at them but it seems the judges went against me. I've represented my self in this matter with all other cases that were filed against Owcen. Their are son many cases against them in other states but it seems NY has good well scripted Attys that they overlook the truth. The mortgage is XXXX the house is only worth XXXX thank you I'll be faxing the papers to you.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen Loan Servicing has been contacted several times to drop the Private Mortgage Insurance on a loan. The loan to value is far below the 78 % and the payments are made by electronic transfer. They sent one letter back that said they will send another letter stating that they will drop the PMI. This was two months ago and they are still charging PMI on the loan.
Company Response:
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Sad to inform that XXXX Bank along with XXXX XXXX XXXX that Today is Ocwen 's are taking care ff my loan .Therefore when the economy meltdown of 2008 happened, My business of more then 15 years felled apart as well, leaving me among many homeowners at the mercy of my bank institution. Since beginning of my nightmare I perceived that would be hard to get any help from them. On the contrary as i stated before along with the company they hired to handle my loan. They tried to sell my home even before 21 day required by law. By accident I found out and fighted in court about this injustice that was about to happen and the sell was stopped. There was lots of discrippency that happened in my loan that cost some home owners have their foreclosure case stopped. But now it looks like some states the law changed to accommodate their wrong doing. Such as They tried to foreclosure me would out proper papers in court Such as : XXXX Assignment of the mortgage ( it was done 2 years after the case went in foreclosure ) I mean they could had sold my house even with out the assignment of the mortgage been in court. _when they filled the assignment of my mortgage it was done improperly, They had hired the Lawyer XXXX . He became well known lawyer who allegedly filing false and misleading mortgage documents.When you look at my assignment of mortgage you will see all over signature of XXXX XXXX. They presented him as officer of MERS..On my papers it shows him as the one who signed the assignment of my mortgage, but had not position, or authority to sign any legal assignment of mortgage. As many court case stated and some even won on those arguments. _ at time in court lawyer XXXX stated they had lost the mortgage note and had no knowledge of it whereabout. Now out of the blue, the note is there, Many time I requested a forensic of my note and they have ignored me. But now more then all, I have though the years requested a modification. They had ignored or when they gave me was a modification that could not help due to enormous amount of money they wanted me to pay even though my monthly income was lower then the mortgage monthly payment they were giving to me. My financial situation has changed drastically. And now I can afford to pay my mortgage I requested a modification. and look what they told me Please be advised that the modification was denied as we are unable to offer you a proprietary modification as the owner and/or insurer of the loan did not approve the loan modification request So now XXXX bank does not want to help me .and they are the trustee or the owner of the mortgage, Which I'm not really sure if they really are, because my mortgage was sold so many times in the XXXX XXXX, i believe that is the reason they don't have the actual note. They don't know who is the investor. I requested My PSA so I could compare with what I have and they ignored me totally as well. At one time they said they were sending me one and it has been more then 2 month and they never send me a copy.Because if you look at my PSA it has nothing saying the investor has any saying on a modification .If it is not true I ; m requesting from them to show me the prove that the PSA says investor does have a say on a loan modification. If you decide to act in a good conduct please tell your associate to let my house to be modified. Otherwise, basically they are doing as always whatever they want and have no regards for the law. So, my question is when some one will stop them? It has been years after year XXXX Bank has done some much wrong with the home owner. They have enriched them selves at the cost of many americans like me loosing their home. I need some one to look at this and help me. I have the money to pay my mortgage. Do they prefer to give my house to someone else instead of me the owner? How cruel is that? Is that fair? Why they don't want to work with me? Are they trying to make more money out of my house as they did before?
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I was approved for a trial period modification with Ocwen loan servicing. Under this trial period term, I needed to sign and return the Acceptance for the trial period plan terms letter and my first trial period payment of {$1700.00} by no later than XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating my account was no longer eligible for the loan modification offer because I failed to return the signed trial plan agreement within the required timeframe. I appealed this decision using the evidence I provided which supported my claim that Ocwen Loan Servicing received the executed Trial Period agreement and my 1st trial period plan payment on XX/XX/XXXX. One day before the XX/XX/XXXX deadline. On XX/XX/XXXX, I learned my appeal had been denied because ( based on the original Deed of Trust ) my husband did not sign off on the Plan agreement. However, in XX/XX/XXXX, a recorded Quitclaim Deed was provided to Ocwen Loan Servicing for a loan modification for which I received and was awarded without my husbands signature. Furthermore, the modification appeal review that was conducted by Ms. XXXX XXXX details and contains an entire list of fraudulent details pertaining to the Trial Period Plan Payments and the dates it was received. On XX/XX/XXXX, I reached out to Ms. XXXX XXXX to advise her of the errors made with her repeal review. After placing me on old for more that 15 minutes, Ms . XXXX returned on the phone to advise she was unaware of the Quitclaim deed on file, and after I informed her she reviewed my XXXX modification records and she did see where my husband 's signature was not needed with that modification but she would need to obtain clarification from another department. Ms . XXXX went on to state that she would be out of the office on Friday XX/XX/XXXX, but would return on Monday XX/XX/XXXX, and at that time she should have heard back from that department. She said she would contact me as soon as she has received word. On Friday, XX/XX/XXXX after telephoning Ms . XXXX on countless occasions and receiving only voicemail and leaving message with no return response. My call was finally answered by the office assistant. The office assistant advised that Ms . XXXX was not available at this time and she would be happy to accept the message and have her return the call. I stated that I wished to speak with her Manager since she has not returned my calls since XX/XX/XXXX and I have been receiving foreclosure notices based on an error that she caused and I want it fixed today. After being placed on hold forever, suddenly Ms. XXXX is now available to accept my call and the manager was in a meeting. Ms . XXXX joins that call to advise she is still waiting on this other department to reply to her ; that she is not the one that makes the decision. I stated that while you are playing games with people 's lives, I am receiving foreclosure notices in the mail. Ms . XXXX stated that she placed a red flag on my account, so my home would not be foreclosed on while it still being reviewed. But, it would not stop the foreclosure process. I informed her that my home should not be in the foreclosure stage because of the modification trial plan I was awarded was being followed as indicated before she failed to properly perform her job. I further advised that if I lose my home over the error she has failed to correct, I plan to sue her and Ocwen Loan Servicing for intentionally rejecting claims based on fraudulent beliefs.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was behind in payments and contacted ocwen for a payment plan. That plan they offered me was {$1200.00} a month for a {$500.00} a mo th mortgage. I asked what else can we do and ocwen told me a modification so I filed for that on XX/XX/XXXX. On XX/XX/XXXX I was told by ocwen the modification was held up by fha so let 's just do repayment and I said fine let 's just get mortgage current. Then I called ocwen on XX/XX/XXXX to confirm I can pay the 1st payment of payment plan on XX/XX/XXXX and ocwen had no idea what o was talking about and said I must apply for repayment plan. Ocwen reps are rude and not helpful and each rep lies. I am 3 months farther behind because ocwen can't figure out the repayment plan.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was hit by hurricane Irma in XX/XX/XXXX and never recovered and applied for a loan modification and sent in a complete package of 31 pages on XX/XX/XXXX before there was a sale date scheduled. As the review went on a sale date of XX/XX/XXXX was set. I was not worried because I had already submitted my documents and knew in the past Ocwen was very helpful in loss mitigation options. I was asked to send in more documents and sent in 13 pages on XX/XX/XXXX then they asked for more documents and I sent in 3 pages on XX/XX/XXXX. All was still well because on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was being assured that once that package is complete the sale will be placed on hold so they could review my package for workout options. On XX/XX/XXXX at XXXX XXXX I went to the escalations department and they confirmed my packaged was deemed " complete '' I breathed a sign of relief. On XX/XX/XXXX I call in and it's a whole different story, they claim I still need another document which was not asked for before and ignore the " complete package '' determination I had the day before. On top of that they claim since I was less than 7 business days from a sale date they were not going to review me anymore? I escalated it to the Ombudsman department who is trying to resolve it now especially since I was deemed to have a complete package on XX/XX/XXXX at XXXX XXXX and assured my multiple agents the days prior that the sale would be stopped once I reached that designation.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/2016, I sent a letter to Ocwen Loan Servicing ( OLS ) that it was becoming difficult to meet my current mortgage commitment loan payments ( Exhibit 1 ). I did not receive a response from OLS for 45 days. OLS suggested a loan modification and I agreed. My complaint is that the process consumed nearly a year. I have signed many loans over my life and I expected the process would take one or two months the length that normal loans take to complete. The loan listed above was underwritten by XXXX XXXX and took one week to complete. With OLS it took a year to modify.
Company Response:
State: KS
Zip: 66216
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A