Date Received: 2018-07-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen has made many mistakes. Last one was including a borrower that wasn't on the loan. Ocwen has started foreclosure proceedings and endangering the household. With the foreclosure filed strangers drive by all hours of the night especially while homeowner works at night. Ocwen keeps delaying saying that they haven't received my filed personal taxes when in fact in their own email they say they have received them With that delay Ocwen won't review the complete package and submit for a loan modification so we can keep our family home and get rid of the foreclosure. I am ready to make a mortgage modified payment.
Company Response:
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2018-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: OLS is involved in unfair and deceptive consumer practices with regards to our loan servicing. OLS provides us with false or misleading information regarding the amount due on the original term of the loan. Refuses to provide us with the accurate amount in arrears. OLS botched up our loan modification by providing misleading, incomplete information in an attempt to collect more than what it is required to collect. OLS refuses to reinstate our loan even after we informed them that we were willing to pay the total sum in arrears, approximately {$10.00}, XXXX dollars, as per the original note and mortage after a referee had determined, in a previous law suit that a specific amount is now due and owing and a down payment in the amount of XXXX, XXXX dollars was paid to reduce that determined amount with a remaining balance of about {$10.00}, XXXX dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: my name is XXXX XXXX. I am a XXXX person on Soc. Sec. I have placed complaints before on Ocwen Loan servicing LLC. All payments have been on time for 13 years. I have a XX/XX/XXXX Loan Modification for which I presented hardship. my Loan has a no prepayment penalty clause. This matter was placed before the XXXX Superior Court which ruled Ovcwen to be in breach and violations. In XX/XX/XXXX settled. Ocwen had me assume a forgiven {$120000.00}. upon payments difficulties I contacted Ocwen and their attorney for which I sent you response on last complaint. See enclosed documents showing specific clauses quoted by Ocwen ; s attorney and manner by which payments were to be made on loan. Please note specifics that for any references in the future there was no need but to follow payment of UPB then make payments to deferred principal thereafter which I have made for over a year. please note I am on a food program in order to send Ocwen my entire Soc. Sec. check. Ocwen in stead began placing loan in red although I sent them all my family 's savings as there are several of us XXXX in the home. several checks were sent of {$28000.00} {$12000.00} and numerous {$1600.00} and {$1500.00} totalling about {$100000.00} dollars in the last year, loan account is still in red, and recently a un-requested charged appraisal was made with request to refund. none to date. ocwen informed me in XX/XX/XXXX payments sent will no longer be accepted as they want me to pay total deferred amount which I can not. please see XX/XX/XXXX mod. and no prepayment penalty statement. after a year making payments to deferred principal for this loan. please note I suffered a XXXX XXXX and two XXXX and uncontrolble XXXX which I advised Ocwen about due to Ocwen actions. thank you
Company Response:
State: CA
Zip: 92831
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ocwen is reporting an inaccurate late on my credit report
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: The home is in a Trust. The owner XXXX XXXX passed away. The grandson is the co-administrator has been trying to work with Ocwen Loan Servicing to save the home. The home has a sale date of XX/XX/2018. First they told us that we had to send in a modification application but it had to be from one person. XXXX XXXX XXXX gave the application with all of the necessary documents. A complete modification package was submitted. Then Ocwen stated that the property had to be in an assumption. They wanted a new title. Before the new title was recorded in the XXXX County Clerk 's Office, we faxed the copy prepared by the attorney to XXXX ( after waiting two or more weeks ) then they said we had to fax it to XXXX and we did. Now they are saying the Title in correct, we sent it to them for their approval! They wanted proof of Insurance, then they wanted an affidavit from the XXXX XXXX XXXX that he was the Grandson and we sent it. Our last conversation was that they were reviewing the complete modification package. The person assigned to the account is XXXX, but the last person that called is XXXX who has no idea what is going on in this account. On XXXX we sent The title for approval to XXXX at XXXX
Company Response:
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-16
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I received an Action to Foreclose a Mortgage on XX/XX/XXXX. Included in that document was an acceleration of the debt. ( Please see attached pages Items 6, 7, 8, 9 ). The Acceleration date determined was XX/XX/XXXX. The 6 year Statute of Limitations expired on XX/XX/XXXX yet the Plaintiff, through a debt collection agency named XXXX XXXX XXXX, headquartered in XXXX, NY, has ignored the law and continues to attempt to foreclose on my property. XXXX filed a subsequent foreclosure Action for the same Plaintiff on the same matter, on XX/XX/XXXX, which is almost two months past the 6 year Statute, which they had to know or did know. This is a willful, knowledgeable, non compliant action on the part of the Plaintiff, XXXX XXXX XXXX XXXX XXXX, Ocwen and XXXX. Ocwen 's latest attempt to collect on this debt was a demand for payment dated XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am XXXX years old and can no longer live alone because I have XXXX XXXX and, at times, have difficulty walking and it was necessary for me to sell my home. Because I owe much more than the home was worth, Ocwen Loan Servicing, LLC was contacted about a short sale. My real estate agent put the house on the market in early XXXX of this year for {$230000.00} and a buyer was found the first day. She contacted Ocwen about the offer and they mailed me an application for financial assistance which I completed and mailed back. After mailing them bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they responded to my request on XX/XX/2018, in writing, stating that I made too much money and did not qualify for financial assistance, a short sale, or a deed-in-lieu of foreclosure. I disagree with their findings as they completely ignored my reason to move which is my health. The buyer has withdrawn her offer and I have moved near family where I am paying for new living expenses and can not afford to continue to pay on the mortgage on the for sale property. I am extremely disappointed in the amount of time Ocwen took to make a decision and then, to base that decision on something other than why I made the request in the first place.
Company Response:
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Ocwen is the loan servicing company. They foreclosed on my ex and I had to take the property back in court in order to sell, to stop the foreclosure. The first buyer got frustrated with their lack of response and backed out. With the second buyer, we got them to approve a short sale. The problem lies in the fact that they have no letter of assignments proving they legally hold the note. I tried to work with their dept of consumer ombudsman, they sent a letter saying there is a problem and told me to stop calling and its not their problem if it isnt sufficient. I have nowhere else to turn, Ive lost time and money on a property that the bank made unsellable.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-16
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Spoke with the servicer, Ocwen The last reported date was XXXX, Its the middle of XXXX. Called to see why and they told me that they only report on a quarterly basis. That seems to be outside of the guidelines which is 60 days this si the second time I had to file a complaint with CFPB.
Company Response:
State: IL
Zip: 60174
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: i paid off my loan that i had with ocwen. i had a payoff quote good until XX/XX/2018 for the amount of {$120000.00}. They received that amount on XX/XX/2018. At the time, my escrow Balance was {$1600.00}, which i have from my online account and i also have a statement date XX/XX/2018. Shortly after paying my account off i noticed my escrow fall to $ XXXX, with no reason as to why. No taxes or insurances were paid to make this happen. i received a check from them in the amount of {$900.00}. I contacted Ocwen and the person i spoke with ( i dont know their names because they dont speak very good english at all ) told me that the reason for the difference was that my payoff was actually {$120000.00} and thats why i received less, because i didnt send enough to cover my payoff. I pointed out to him that i sent exactly hat was listed on my payoff letter i received and i also sent it a day early. After looking into that, he agreed that i was correct. So then i asked for a explanation fo the escrow and he couldnt come up with one. i asked to speak with a escalation manager, whose name i also dont know but his extension is XXXX he tried to tell me that i had less in my escrow account than stated everywhere in my online account. He asked for a few days to resolve this and i agreed, but then told me no, i wasnt entitled to any more money. They tried to tell me that in XX/XX/XXXX i had XXXX in my excrow and then they paid my insurance which brought it down, however as stated in the payment history and in disbursement schedule, i had {$2300.00} when they received my payment in XX/XX/XXXX, then the {$1200.00} for my home insurance came out on XXXXXX/XX/XXXX leaving me with {$1100.00} and i made a payment adding {$570.00}. in the end, i had {$1600.00} in my escrow and i am entitled to all of that back. i am requesting they send me the difference in the {$1600.00} and the {$900.00} i have recieved plus interest. At this point my taxes are due which i was using this escrow money to pay for. i dont feel im being unreasonable as everything i have that i am using in my favor, came from Ocwens website. This is the info they have given me! The most recent contact i have is with XXXX XXXX at XXXX, she needs from XX/XX/XXXX until friday the XXXX to look into this which in my opinion is far to long. i can see this within hours. its right in front of our faces
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A