Date Received: 2018-08-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: My name is XXXX XXXX, I had an loan with a company name Ocwen Servicing Loan in which was brought out by XXXX now XXXX XXXX. At the time of transfer, I asked several account rep and Service manager to validated the payment history before assuming this loan from Ocwen Servicing. At no time XXXX now XXXX XXXX validated or send me a verifiable payment history with Ocwen servicing Loan. I eventually paid this loan off and ask for this account to be closed. At this time, the credit report is not correct due to the date and open of the account, payment history, and the account showing closed as of XXXX17.
Company Response:
State: IN
Zip: 46234
Submitted Via: Web
Date Sent: 2018-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My name is XXXX XXXX, I used the have an account with Ocwen Servicing Loan as a line of credit account started in XXXX. From the very beginning, there were billing and posting error to this accounts. I tried to work with different customer service and service manager to correct the payment posting in the correct months and they refuse on several occasion replying that they are working on the errors. These posting error went on for XX/XX/XXXX when the account were sold to XXXX XXXX XXXX. Though this loan, I tried to get this company to converse this financial product to installment loan. The company refused to change the loan while keeping the loan as line of credit with 35 % daily interest. Every month I would ask for confirmation on how the payment were being posted and the company did not email their internal record.
Company Response:
State: IN
Zip: 46234
Submitted Via: Web
Date Sent: 2018-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My husband and I bought our house XX/XX/XXXX for XXXX and two years later we did a refi XXXX for XXXX then GMAC went out of business in our area and then we were sent a letter that Ocwen Loan Servicing would be handling our loan and we had no Idea who the investor was on the loan. Today we are trying to sell the home and we owe more for the house now than we financed it for. We did do a modification on the loan but the escrow shortage was XXXX now its XXXX and how that happened we have no clue. Ocwen only notifies us of potential foreclosure and the added about XXXX to our home loan and told us that this is part of the modification and work out for our home. They refuse to research it for mistakes, which there are plenty. They do not have payments that were made when GMAC had our home loan nor do they have the records and will not try to fix the problem.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received in XX/XX/XXXX a letter from Ocwen claiming {$1000.00} for past mortgage payments and threatening with foreclosure. They don't specify which payments were missed nor provided any dates whatsoever. Attached please find documentation of the latest payments made to Ocwen as well as their regular statements in the amount of {$210.00}. Ocwen is notorious for their substandard accounting processes. In the past Ocwen claimed amounts that were not due and and resulted in a refund to me for consecutive over-payments. This process took about a year, they unnecessary reported me to the major credit agencies and affected my credit rating. Finally they had the rectified and send a request to agencies to have reporting removed. This was XX/XX/XXXX. Confirmation # XXXX. Letter attached. Ever since I have been receiving statements requesting the regular payment of XXXX, but the last payment submitted in XXXX for the month of XXXX was returned and a letter asking for XXXX ( the equivalent to 5 months payment ) was received on XX/XX/XXXX. Letter attached. We have never missed a payment nor being late ever since it was open in XXXX. I have some health issues and this is contributing to its worsening. They are threatening with foreclosure and of course damaging my credit again ... I can't keep on being the object of the malfunctioning of this company again. They are not communicating in an effective way, just doing on their own.
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2018-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I WAS PROVIDED WITH A MODIFICATION EARLIER THIS YEAR AFTER MAKING COMPLAINTS THAT OCWEN WAS UNABLE TO OFFER ME A LOWER PAYMENT. I WAS GRANTED A MODIFICATION AND I BELIEVE I HAD MADE 2 PAYMENTS UNDER THE MODIFICATION BUT THEN MISSED THE LAST PAYMENT DUE TO A LAY OFF IN XX/XX/2018. I WAS UNSURE WHETHER I WAS GOING TO RECEIVE ALL OF MY SEVERANCE FROM THECOMPANY IN TIME. I MISSED THE LAST PAYMENT AND HD TO APPLY ALL OVER AGAIN. OCWEN PROVIDED ANOTHER MODIFICATION A FEW DOLLARS HIGH AND THE FIRST PAYMENT WAS DUE IN THE MONTH OF XXXX BY THE XXXX. I ONLY MADE A PARRTIAL PAYMENT BECAUSE THERE IS {$570.00} SITTING IN UNAPPLIED THAT SHOULD BE USED ALONG WITH THE PARTIAL PAYMENT SUBMITTED. WHEN I CONTACTED OCWEN CUSTOMER SERVICE TOLD ME THAT THE MODIFICATION HAD BEEN CANCELLED. XXXX. LET OCWEN GO ON UNEMPLOYMENT AND THE INVESTOR OF MY LOAN GO ON UNEMPLOYMENT AND SEE HOW ITS LIKE. THEY WILL ALL MISS XXXX IN THEIR 18K GOLD TOLIET BOWELS. TODAY I RECEIVE A ETTER THAT MY NAPPLICATION IS DENIED FOR A MODIFICATION BECUASE I MISSED THE PAYMENT THIS IS XXXX AND DISCRIMINATION AAGAIST ALL HOMEOWNERS THAT ARE EXPERIENCING HARD TIMES. AS WELL AS I HVE BEEN FIGHTING FOR 8 YEARS AGAINST OCWEN AND THE INVESTOR TO WORK WITH ME BUT THEY REFUSE TO ABIDE OF THE LAWS TO HELP HOMEOWNERS. THIS MATTER IS NOW BEINGING HANDLED WITH CFPB. I AM NOT CONTACTIUNG OCWEN ON THE PHONE FOR ASSISTANCE. THIS IS ABSURED. AND NEED ASSISTANCE AND REFUSE TO GIVE UP MY HOME OVER MY DEAD BODY. IF THEY ASSISTED ME AGAINST ALL THE COMPLAINTS I SUBMITTED WITH CFPB THIS HOME WULD NOW HE HALF PAID OFF. MY APPLICATION ALSO STATES THAT MY REQUEST FOR MODIFICATION AGSIN HAS ALSO BEEN DENIED. I WAS ALREADY IN A MODIFICATION STARTING THE MONTHLY OF XXXX NOT XXXX OCWEN IS PLACING ME IN UNDUE STRESS AND THIUS XXXX IS UNACCEPTABLE AGAIN AND ALL COMPLAINTS GOING FORWARD WILL BE SUBMITTED WITH THE CFPB. OCWEN IS ONLY A DEBIT COLLECTOR AND THEY DUE A POOR JOB AT THEIR JOBS AND ASSISTING HOMESOWNERS,
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX I sent a check to Ocwen for XXXX knowing I would have a small balance left on my mortgage. Almost 30 days later I received the check back without an explanation. I called and spoke to XXXX ID # XXXX he said if I paid over 80 percent of my mortgage I would have to pay the mortgage in full. He gave me the pay off amount and I sent a check in XX/XX/XXXX for XXXX. Almost 30 days later I received the check back without any explanation. I called and spoke to XXXX ID XXXX. He told me that the check needed to be certified and gave me a new payoff amount of XXXX which was XXXX more. I asked if they could waive the increase and was told it would take 30-90 days. A supervisor by the name of XXXX XXXX XXXX was supposed to get back to me but never did. I was under a time restraint sent the certified check in for XXXX. Today XX/XX/XXXX I found out the Ocwen reported a delinquency on my credit report for the month of XX/XX/XXXX. I called them and was on the phone for 3 1/2 hours. I spoke to XXXX XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID # XXXX and XXXX ID # XXXX who finally told me to call XXXX XXXX in the abundsman department. She asked me to email her asking for a courtesy credit adjustment. She advised me it could take up to 15 days because management had to review it. I asked her if I could speak to someone in management and she said no I would have to wait to hear from someone. I am trying to obtain a new mortgage and need this resolved in a timely manner. It's unbelievable to me that common sense of them receiving money and sending it back to me, the stress of taking 3 months to pay off my mortgage because of their " policies '' which were never clearly communicated in the first place and then they ( probably a computer generated program ) reports a delinquency which effects my credit score. How easy would it be to say - Yes I see that we kept sending the money back. I am very sorry. I will correct your credit report right away. I'm sorry. No, that was not the case. It was exhausting. Please help. This is a time sensitive matter and I should not have this effect my credit because of their incompetence. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2018-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Loan was signed for by someone else in XXXX. I was given keys to property even though my signature, nor lender, nor sellers signature appears do not appear on the final paperwork. I was unaware it was never completed until XXXX. I have tried many times to resolve with OCWEN. But they are not who had the original debt, they acquired it. I have been victim of ID theft more than 3 times since age XXXX. I have filed police reports and attempted to fix credit reports over the years. I have lost my wallet and/or ID twice this year alone. I filed paperwork with FTC recently when found out about new laws. Sent required papers to company for them to contact original debt holders ; where they obtained the information regarding the original debt per the law and instead they sent me papers asking for a copy of my signed social security card, and an notarized affidavit. Additionally they requested that I not send the form to the FTC or any governmental agency. Also I filed bankruptcy to try to get them to stop putting this erroneous info on my reports. They sent me information saying I had no personal liability if I filed bankruptcy. However, they still try and collect a debt that has NEVER been mine and that has ruined my credit!
Company Response:
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2018-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Opposing counsel XXXX XXXX has responded to my consumer complaint with the same old shady lawyer tactic robo-spins, he will say and do anything to defend his troubles clients because that's his job. I have evidence that XXXX XXXX XXXX was NOT present before shady rubber stamper XXXX XXXX XXXX whos license has since been revoked by the commissioner during the time pretender XXXX XXXX XXXX executed and recorded the fraudulent assignment. In addition to that, I will provide the court with shocking evidence that the California XXXX XXXX will look at very closely.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2018-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have been fighting with OCWEN Servicing since XX/XX/XXXX. My husband passed away in XX/XX/XXXX and we were never made aware that his name was the only one on the mortgage until XX/XX/XXXX. We had switched accountants and she noticed when doing our taxes. Upon finding out, we attempted to switch over the name to me, his widow. OCWEN indicated all they needed was a will, death certificate, a small document to fill out, and a copy of my license. We collected everything as necessary and sent it in. Weeks went by with them telling us they couldn't check the e-mail themselves but had to wait for it to " process ''. Eventually one gentleman confirmed that he had seen the documents and it would only be some more waiting. We received ANOTHER letter from OCWEN requesting the same documents, this time we sent them to another e-mail they insisted they needed it sent to. This carried on for weeks until we received a letter indicating that we would lose OUR HOUSE. They sent us back our house payments as well because they couldn't accept them while processing. So after communicating with them THIS TIME, we were told to resend all the documents, plus bank statements and then some. We e-mailed them AGAIN and even physically mailed the whole package to them. A few weeks later we AGAIN received a letter that they didn't have any of it. So today we called and they gave us a run around AGAIN, asking for ANOTHER form and MORE documents.We were on hold for over and hour while they tried to dump us off the phone. After some quick XXXX it is apparent that they do stuff like this all the time in order to foreclose on people 's homes and profit from it. We will not be screwed over by their greed or incompetence as today we have sent dozens of emails in various formats ( suddenly today we were told they could only be accepted in PDF format- which no one indicated these PAST FOUR MONTHS ) and will be mailing a packet that needs to be certified and signed that they received it. They think they're going to take our house like they've done with everyone else and that is NOT happening.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I filed for a mortgage modification through XXXX XXXX XXXX, XXXX twice. I was granted a trial modification both times. However, due to actions of OCWEN I was not permitted a final modification. I recently went through a divorce, and I am XXXX. In short, these are the reasons for needing the modification, along with my now ex-wife stealing our mortgage money and giving it to her parents. The first modification I was approved for was a HAMP in XX/XX/XXXX. The Hamp modification was delivered to my mail box on either XX/XX/XXXX, or XX/XX/XXXX if I remember right, it was approximately 3 weeks into XX/XX/XXXX. The first letter that was received stated the first payment was due XX/XX/XXXX the the following week I received a letter with the actual modification agreement with the payment schedule. Just prior to receiving these letters I had filed for legal aid through 'Legal aid of XXXX Ohio ', because they were continually telling me they weren't receiving documents and papers I was sending them. Now I received a letter the third week of XX/XX/XXXX telling me my first payment was due over a month and a half prior to receiving it, and a package the fourth week of XX/XX/XXXX stating the first payment was due XX/XX/XXXX first. Both of these documents stated that if I did not make all three trial payments on time I could not be granted a permanent modification. The attorney was no help. I needed verification that since I was already one to two months late, depending on what I went by, that I wouldn't be refused a permanent modification. Ocwen wouldn't speak to me since I had an attorney, and when I was able to get ahold of the attorney he just kept blowing me off and saying it wouldn't be a problem and just make the payments that weren't made on time. So They refused my modification. Then in, I believe it was XX/XX/XXXX, I hired XXXX XXXX from XXXX XXXX XXXX in XXXX, Ohio. She really pulled one over on me. She told me how not only was she going to stop the foreclosure, but make OCWEN make all the missed payments, and how she was going to sue them for wasting my time, etc. You know the spill. She also talked me into joining some class action lawsuit a supposed colleague of hers in XXXX was filing. I never heard from them, and all she told me was that this attorney use to be the Attorney General of Ohio. I gave her a {$1000.00} cash down payment and was suppose to pay her {$500.00} a month. She lead me to believe that this would be taken care of in approximately two months. After the first month I quit paying her. She also mysteriously didn't have numerous documents that I gave to her, and was on vacation for several weeks during this time she was suppose to be getting this taken care of for me. This leads me to the most current issue at hand, and the main reason for this complaint. I had almost given up hope, but finally decided to try again. So, in, I believe XX/XX/XXXX, I filed again for a mortgage modification. After a couple months of constantly having to Re-Send numerous documents to OCWEN, which they already already had for two years, I was turned down for a modification. They claimed I did not provide them with all of the necessary documents they requested even though I had fax receipts showing they received them. I actually had a lady from XXXX on a three way call, I believe the end of XX/XX/XXXX, and she got them to admit that the documents did come to them but there was a problem with the fax machine on their end, but I was still denied. Anyway, In XX/XX/XXXX I start hearing from family and friends that my home is on the county website for auction on XX/XX/XXXX, and then receive a letter from OCWEN on XX/XX/XXXX ( That's when it arrived in my mail box ) That my home was going to be auctioned off on XX/XX/XXXX. To make a long story short, I filed for an emergency bankruptcy on Friday XX/XX/XXXX and faxed it and emailed it to OCWEN and hand delivered it to the Sheriff 's office the same day to stop the sale. I then filed for another modification in XX/XX/XXXX. I mailed it certified and video taped every document inside of the package and me mailing it and attached it to the email to OCWEN. In XX/XX/XXXX I was approved for a trial modification the three payments were due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately called OCWEN to remind them that I don't get paid until the XXXX of the month and they said if I mailed it out anytime the first week of the month it would be fine. So, I made all three of the payments like I was suppose to, but the final modification wasn't here the first week of XX/XX/XXXX when my next payment was due, so I called them. I told them that I wanted to make my next payment but the final modification papers weren't here for me to review. This was approximately XX/XX/XXXX. The individual I spoke to told me they were still being prepared and that they would be sent out soon. I told him that I felt they should have been done and sent already so that I could make my payment on time. He told me I could still make the payment. I explained to him that I had a right to review the documents first and after all of the mistakes that had been made with my account I felt I should review them first. I called them back the following week and was told they were going out in the next few days. I didn't receive them until, I believe it was XX/XX/XXXX. Just prior to this on about XX/XX/XXXX, I decided that I should at least mail in the payments so I didn't start getting behind and argue about the paperwork later, so I mailed them two checks. One for XX/XX/XXXX and one for XX/XX/XXXX. After I received the documents around the XXXX, I signed and notarized them and mailed them back on the XXXX or XXXX. Later in XX/XX/XXXX, I don't recall the date, I received the two checks back in the mail stating the amount wasn't enough to bring my account current. So I immediately set up an appointment with my account manager for the first available date he had open, which he didn't keep and had to reschedule. About a week after I received the checks back I received a letter denying my modification stating they had never received the signed agreement ( The one they mailed to me a month late ). I just found the dates. The earliest appointment I could get with my account manager was tuesday XX/XX/XXXX at XXXX XXXX, which he didn't keep so I rescheduled for Friday XX/XX/XXXX at XXXX XXXX. During this conversation He told me that they never received the signed modification papers. I explained to him how the papers weren't here when they should have been, how I went ahead and sent the checks in before even receiving the modification, and that I did sign and notarize the papers and sent them back. I also reminded him of the numerous other times they claimed not to receive documents and how they even admitted to a third party ( the lady from XXXX that they did receive documents they claimed not to receive and it was an error on their part. I got him to agree to let me resend the checks and the modification package. He said as long as they received it by the end of the day on XX/XX/XXXX that would be fine. He told me that now I had to go have my ex-wife sign this document too. Now, from day one in XX/XX/XXXX all the way until this time, they had Never required her signature for anything. None of the applications for modification or anything else. I would always just put a line through her name. They have been sent the quit claim deed three times now. My ex-wife, XXXX XXXX, has discharged this debt in a bankruptcy. She has No financial obligation to OCWEN and no rights to the deed. I re-explained this to him again, and he said it would be too much work to take her name off. I told him I didn't care how much work it was, that I wasn't asking her to sign it, and that she wouldn't do it for me anyway. I told him that ever since they found out I was XXXX and receiving social security, they have been making excuse after excuse and running me in circles sending the same documents over and over. Not sending me things on time and then holding it against me. I reminded him that I have done everything they have asked me, and I made my payments on time. I told him she don't live here, owe you any money or have a right to this property in any way, so why does she have to be on my loan modification. He then tried to say that the modification had to be the same as the deed was recorded in the county. I then told him, if the modification has to reflect what the county has, then you are doing it wrong, because the county showed me, XXXX XXXX XXXX XXXX and the only property owner and that her name was not recorded as the property owner with the county Auditor. I told him I was going to get a copy of my property description and another copy of the quit claim from the county and send it to them. He told me to get them and send it in with the notarized and signed documents by the end of the day on Friday XX/XX/XXXX and he would try and get it worked out if he could. Monday XX/XX/XXXX, I received a letter from Ocwen stating that my modification was being turned down. Today XX/XX/XXXX, they came to my door and handed me a letter stating that my home was going to be auctioned in a month, an exact date has not been set at this time. Also, in OCWEN 'S last letter to me stating I was being turned down, they did say I could request another modification. What a joke. I noticed while reviewing the permanent modification that they were double charging me for the missed payments too. They were charging me for principle and interest for that period, but not deducting it from the loan amount. Also, charging me for overpriced insurance that only covered their property and none of mine. I have done everything this company has asked me to do to keep my home, but some of the things they are doing are just wrong, and not possible. If my ex-wife was still in debt to them I could understand making her stay on the new loan, but she's not, nor does she have any claim to this property. Please help me get this fixed, all I want to do is keep my home and pay my mortgage.
Company Response:
State: OH
Zip: 44857
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A