Date Received: 2018-08-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I took out a 2nd mortgage with XXXX in XX/XX/XXXX. In XX/XX/XXXX, I filed for bankruptcy and the mortgage was one of the discharged debts. I have since been paying the 1st ( to a different company ) and no foreclosure actions have been taken by holders of the 1st or 2nd. I am not considering selling the property and there is a lien from XXXX on the home. I am researched with the XXXX system and it still shows XXXX as the lien holder. My research has shown XXXX XXXX to have taken over XXXX. I have been in contact with XXXX XXXX for the last few weeks and have not been able to obtain any information on how I can clear the lien from the title. I am seeking a loan payoff.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: As many Americans my finances was deeply affected by the XX/XX/XXXX economic crash. With that, from been very stable economically Our live changed drastically economically speaking. Sense my business required travel I was still fighting as I could to save our business and we ended up falling behind in our mortgage payments. Right way I called my bank asking for help However help did not come. Before 3 month that I stopped paying my mortgage bank went ahead to court without getting a hold of us and tried to foreclosure and sell our house with out our knowledge. ( And I m talking about before the 20 days required by law ), I had to go to court and explain to the judge that I did not know about the sell and he put a stop on the sell. But any way they give me a final judmente even before I wss served and did not it up after finding out their mistake. Sense the beginning To loose our home was not an option, so, we started to fight to the best of our knowledge to save it. I requested modification. But all modifications offered to me was predatory and deceptive. The intend of your bank was not to help me but set me for a felling. And I will explain to you why i'm saying that .Hamp program guide line for mortgage payment was 31 % of the home owners gross income and at the time my income was XXXX yearly. The 31 % of XXXX would be XXXX.. Can you anderstant why I was not able to accept the offer? Right now my financial situation is better ( much better ) again I requested a modification and they did not accept my modification request .Many excuse was giving to me one of them was that my investor was not agreeing with my request. I have been looking at the all documents of my mortgage. So far I dont see that the investor has a say on my loan modification. I have asked for the bank for the name of my investor so I could call him talk to him and they kept saying to me that XXXX XXXX is my investor. But at this point I do not know who is my investor. Because the house was sold many times in the XXXX XXXX. TO THE POINT that even them do not know where is the note of my loan. This bank has used deception in my loan sense the beginning of it, such as -Less then 20 days of filing foreclosure paper in court, they tried to sell my home without communication with me. XXXX foreclosure filling was in filled XX/XX/XXXX Assignment of my mortgage was filled in court years after the foreclosure filling in XX/XX/XXXX ( 2 years after the foreclosure filling ) _ a alleged rob signer. XXXX XXXX. His name is all over many foreclosure papers.He was accused of been a mortgage lending company employee who prepared and signed off foreclosure without reviewing it. He signed off those papers for lawyer XXXX that eventually was in the list of foreclosure mills that became a target on attorney general in Florida and accused of using robo-signers to attest to the veracity of documents that would have no stander in court otherwise. - The lawyer XXXX XXXX testified in court that my note was miss placed and they had now-hereabout of it.If the note is lost and I have the pooling of mortgage in XXXX XXXX. Then, who is my investor? I called the bank they told me the same thing. AS you can see there is lots of fraud in my loan. I do not want to use it to get a free house. I just want reasonable modification. No predatory modification. If this bank had good faith in their ways they would be the first to offer mi a fair modification after seeing so many mistakes they made in my loan and after getting so many law sueand loosing in court on the same issue with many different costumers. I'm a fighter and I will not rest. I read a article in a news paper where your company and others are working hard trying to fix the issues that ocwen company has on it deceptive ways towards the home owner and you want to facilitate for home owner that struggled with them. I '' m one more home owner who needs your help. Please I beg you don't close your eyes to my situation. I will keep whistle blow it. as I have been doing it. Till my voice be heard. Im seeking a modification and they again denied .I have a stable income I just need my loan to be modified so I can keep my home. I
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to loss of employment I was unable to pay my mortgage. I put the home up for sale in XX/XX/2017. We knew it needed to be a short sale because of the amount owed on the first mortgage and a huge second mortgage. A contract was received in XX/XX/2017. OCWEN has continued to play games for over 7 months stating they didn't receive the offer, then they lost our offer. We had a preliminary acceptance via email after 5 months but they needed an appraisal or BPO for final acceptance. The person that claimed to do the BPO NEVER entered the home as we have electronic records of entry and she valued the home the same as totally updated homes in the subdivision. We filed a complaint and have NEVER heard back. Repeated phone calls, emails, voice mails go unanswered! The buyer of 7 months walked away from the transaction! This is their way of trying to force me to foreclose and pay back the money. I'm XXXX years old and only have social security to live on and that barely puts food on my table. They still will not respond!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34112
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have been trying to refinance with XXXX XXXX since XX/XX/XXXX. I found out that I have a lien on my property from XXXX XXXX XXXX from XX/XX/XXXX for a line of credit XXXX in which I owe XXXX dollars on. I have the property title report from XXXX XXXX dated XX/XX/XXXX that shows GMAC Mortgage on title report. I also went to XXXX XXXX County recorder and pulled Deed of trust and assignment of rents to see if I had full reconveyance I did not. I also pulled credit report from all 3 agencies no judgments. GMAC Mortgage did not close out this account. Since XX/XX/XXXX GMAC no longer does business I have called Ally Bank which took over some of GMAC loans in which XXXX said I am not with them XXXX XXXX verified me by social security and property address. I also contacted OCWEN the debt collector that bought GMAC debt they also verified that I am not with them either. I also found California civil code 2941.7 statue of limitations it has been well over 10 years.
Company Response:
State: CA
Zip: 95212
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Ask them to send payment quote and they say {$60000.00} was due on home. This look like a balloon payment that we don't know where it came from. We missed 6 payment so the Government paid this amount {$24000.00}. Don't know why it is so high. I don't know where the {$34000.00} came from. We have been in this house since XX/XX/XXXX and only missed those payment when unemployed. We don't know what to do about this, I t is due XX/XX/XXXX.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Company is not licensed to do business in the state of MD. Please provide license for the state of MD if licensed. Company claims to be a debt collector. Please provide information on who debt was being collected for and proof debt was being paid. Vacate foreclosure and return all money due. According to the Truth and lending, Predatory Lending, DODD Frank until thorough investigation is completed, I've received letters claiming the are the alleged servicer. Please provide information on whom you are servicing and/or collecting/collected a debt for. Meanwhile I will be paying my taxes and insurance. Please provide information on whom property was supposedly purchased from and what legal interest they had in the property.
Company Response:
State: MD
Zip: 20706
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My name is XXXX XXXX and I have a loan with Ocwen loan services. They have put me in a loan that is now illegal but at the time it was not, a negative amortization ARM loan. I have been making my payments diligently either by phone or by internet. Never once have I missed a payment in the last 24 months. However, Ocwen has reported me as being late multiple times throughout the past 24 months. I have tried to speak with them about removing the late payments, but they have refused to delete the late payments. I truly believe they are just trying to hold down my credit so I can not refinance my mortgage loan. They are telling me it is due to increased fees and different payment amounts. What I don't understand, is that I always call in or pay online the payment that they say is owed. I don't just send in the same payment every month by check, I always pay what they say is owed. I have attached a bunch of documents clearing this up and will work on getting bank statements to show all payments have been made. Ocwen has already been sued for deceptive mortgage practices, which I have attached the documentation. Every time I try to call over to them, they have their call centers in XXXX and XXXX and there is a language barrier as well. Because of this it is very hard to get anything resolved because it is hard to communicate.
Company Response:
State: CA
Zip: 94401
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I filed Chapter XXXX bankruptcy in XX/XX/XXXX. It is now XX/XX/XXXX and it appears as if I have just bought my home. Through the course of this bankruptcy I have paid 12 to {$1300.00} per month which amounts to approximately {$50000.00}. My principle has not decreased and OCWEN states via mail they have only received {$8000.00} over the course of this process. They are threatening foreclosure if I do not pay {$8000.00} by XX/XX/XXXX.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen loan servicing will not let me make my payment. I have tried repeatedly! On Friday they would not let me pay it over the phone. They said they would call me on Monday and didnt. They called me tonight and said that if I had answered the phone yesterday I could have paid over the phone but now I need to go to the bank and get a certified payment and they would allow me to make one months payment. Im not kidding they will not let me pay my payment. And this has gone on for months. And, they said that my account rolled into foreclosure today even though I tried to reach them for the last several months. Tonights rep was especially arrogant and rude He claims to be XXXX XXXX, # XXXX. Ive also dealt with XXXX and ... XXXX?? I can never, ever reach the agent who was supposed to be assisting me that they assigned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: " 60 Days Late '' reported in XX/XX/XXXX on my Credit Report is incorrect. After Hurricane Irma that passed through XXXX Florida in XX/XX/XXXX, banks were offering homeowners " Federally Declared Disaster Forbearance '' on their mortgages and Ocwen Loan Servicing, LLC was included. Upon my request, Ocwen deferred my mortgage payments for XXXX, XXXX, and XX/XX/XXXX, until XX/XX/XXXX. As requested by Ocwen, I started making my mortgage payments on XX/XX/XXXX and continued monthly until present. During the interim, in XX/XX/XXXX, Ocwen instructed me to complete a request for a loan modification which wasn't approved until XX/XX/XXXX. However, I did not like the terms of the modification so I declined to sign it. On XX/XX/XXXX an Ocwen 's relationship manager then requested full payment of the outstanding balance of {$7100.00} which was the deferred monthly payments for XXXX, XXXX and XX/XX/XXXX. I felt that Ocwen demanded the 3-months " deferred '' payment in full due to my declination to sign their modification agreement. On XX/XX/XXXX I paid the {$7100.00} to Ocwen bringing my mortgage account current. After requesting and reviewing my credit report, I saw that Ocwen had negatively reported false data to the Credit Bureaus. Based on the Forbearance Agreement approved by Ocwen, those three months " deferred '' payments should not have been reported as late payments. That Forbearance Agreement should still stand whether or not I accepted their Loan Modification.
Company Response:
State: FL
Zip: 33189
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A