Date Received: 2018-07-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I Don't Understand Why This Account Is Listed As Derogatory On My Credit Report. Servicing Of My Mortgage Changed From Homeward Residential To Ocwen Loan Servicing Without Any Lapse In Payments.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The Servicer, Ocwen, had initially entertained the idea that a short sale could be done on the property. The homeowner is deceased and his wife who is NOT on the loan was the only person that could sign off on the paperwork. Ocwen however, took the short sale review all the way until the very end when we were told that the homeowner 's wife now has to file a probate case in order to be appointed the homeowner 's representative so she can sign off on any paperwork related to the Short Sale Approval ( despite the file NOT being approved just yet ). This was about XX/XX/2018. For the entirety of the time that the file was going through probate, the Escalation Department at Ocwen was fully aware that the homeowner was trying to get this probate case finalized but they started the foreclosure activity on XX/XX/2018 despite awaiting probate decision and set the date for XX/XX/18. We were able to get the date postponed to another 30 days after much resistance from Ocwen ( they let us know there was " nothing '' they could do because the Probate case was not finalized and they needed the probate paperwork in order to review the file fully for a short sale approval ). We had to get assistance from the Foreclosure attorney as well as filing a previous CFPB Complaint on XX/XX/18. As soon as the foreclosure was postponed, I contacted the short sale department and Escalation department at Ocwen to see what other documents they needed in order for the short sale review to be completed. After a whole week of no contact from the short sale negotiator or the Escalations department, I was told by XXXX XXXX from the Escalations department that the file now had to be reviewed for a loan modification. This is concerning because when the loan was taken out by the Homeowner who is now deceased, his wife did not go through the loan qualifications so to have her go through the qualifications now when Ocwen fully is aware that the wife is Unemployed and is only receiving a Pension from her husband 's death. She no longer lives in the house either and when we mentioned all these to the Escalation Department, we were told there was nothing they could do but get the loan reviewed for a loan modification since this was their rule. This rule by the way, was NEVER informed to us. Everyone who we were in contact with at Ocwen always pointed out that they needed the probate documents before they could review the short sale completely and there was never any discussion abt the possibility of a loan modification review being Mandatory. This seems to be a way to waste her time since the review for loan modification does take at least 30 days and the foreclosure date is 16 days away. We escalated everything for paperwork that we could control and Ocwen unfortunately has stalled the short sale review once again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2018-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have owned my home for 18 years and am facing foreclosure because my mortgage bank Ocwen Loan Servicing refuses to work with me, talk with me, or acknowledge my attempts at fixing the problem. I was overwhelmed with unexpected expenses a little over a year ago and it led to me being short on my finances and I missed the mortgage payment. I began trying to work this out with Ocwen, but they refused to speak with me and told me that my case was on hold so they could not talk to me about it. I did not know what this meant, and despite trying repeatedly over the next few months never got any straight answers. Meanwhile, I kept falling farther and farther behind. This could have been resolved after only a couple of missed payments because my financial crisis had passed. Eventually I found out that because I was in an unrelated bankruptcy action that Ocwen had determined that they could not talk with me about my delinquent mortgage payments. No one explained to me how or why this worked, or let me know that all that was needed was an authorization in order to discuss this. By the time this was figured out I was already in foreclosure. I have tried to engage with Ocwen and get them to work with me towards a modification but instead of doing so they are scheduling a sale date. I have the resources to afford a fair rate and payment. My current interest rate ( 8.55 % ) is very high and I deserve the chance to be considered for all government, state and internal programs. This could all be avoided if Ocwen were to follow the rules and negotiate with me in good faith. I served my country proudly in the United States XXXX for 26 years with a final rank of XXXX XXXX. I have worked as a XXXX XXXX for the last 21 years and recently retired. A little over a year ago, I had to replace the roof on my home and had major car repairs at the same time. This caused me to be short on finances and I missed the mortgage payment. I began trying to resolve this matter with Ocwen and asked to be considered for a modification. As explained, their agents would not discuss this matter with me, because of an unrelated bankruptcy that had been filed in XX/XX/2013. This had nothing to do with my late mortgage payments that I was trying to fix with Ocwen -- -once I got the hold removed on my case I expected that Ocwen would work with me to get a new review started. That was not the case. I still did not have an assigned account manager, I still did not get my questions answered and I was transferred from one department to the next and could not make any progress. This is very disheartening. Ocwen received billions of dollars in government aid from the taxpayers and they have a record of engaging in questionable foreclosure and servicing practices. All I am asking for is a chance to be considered for these homeowner assistance programs that were set up to help people such as myself. I feel that Ocwen is putting profit before people, which is especially galling considering my military service that kept this bank safe and secure.
Company Response:
State: KY
Zip: 42701
Submitted Via: Web
Date Sent: 2018-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: There is a lost of income since XX/XX/2017 ; I communicated this to ocwens as well submitted filed separation agreement. Every single reply from Ocwen is a denial letter with the same wording. I ask several time for a note of transferred lender from XXXX to XXXX XXXXXXXX, the sent me documents that has nothing to do with the document requested. Requested to verify who is the mortgage lender of my house-no document. Let Ocwen know of the intention and XXXX to keep my house, but they keep sending me a balance to restore my mortgage ( right now XXXX which includes legal fees ). I am willing to work something to keep my house. I has ask for them to reply my email or to call me- there is no reply. I am in a really great need of any help!!!!
Company Response:
State: NY
Zip: 12603
Submitted Via: Web
Date Sent: 2018-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-03
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XXXX XXXX on our mortgage contract was not to include two lots adjacent to property we received a loan on in XXXX. Their attorney assured us at signing that the contract had no other error than the mentioned extra two lots on a page that the closing attorney told us to circle the lots 7 and 8 and put an. X over it and initials by my husband and I. In XXXX, I had XXXX XXXX, furlough days st work and my job position at school was. A budget throuout the district. My husbands company of 13 years sold out to a franchise in which came in and changed the entire company. Everyone had a title change, so the company could legally change everything about the employees pay and job description. The supervisor position had a van, to deliver product in, all expenses paid, gas was a significant amount that was reimbursed, a required cell was covered by the company with the primal owner. Then the new owner have a choice of XXXX per hour from a previous salary of XXXX a week, health insurance, XXXX. I had to quickly add myself and my husband to my work insurance, since I was just diagnosed with XXXX XXXX XXXX. My husbands has had XXXX XXXX XXXX for years st that time. We put our house and our lots up for sale because we could not pay {$1200.00}, plus escrow anymore for the house payment. XXXX was given our mortgage loan even before the first payment was due. We got behind and XXXX did not pay our escrow taxes for the first two years when we were on time. After XXXX would not accept any kind of. Payment arrangement they sent foreclosure papers to us on XX/XX/XXXX. The cover sheet said that the property involved included the two adjacent lots that XXXX XXXX knew we were not going to do the loan back in XXXX if they had to include those two lots. My attorney immediately let XXXX XXXX and XXXX know legally responding that the two lots were not included. A mediation meeting was held in XXXX at attorney XXXX office. XXXX had attorneys show up, XXXX had a problem wit the lawyer they were to send but still they never gave input per phone that day or and day for these last horrific days to clear up our loan that the two lots were not in the loan and we have never been able to get out of litigation because of that. XXXX XXXX never would offer us any help on a modification loan or any help and so they nor XXXX would work with SC Help that we had XXXX XXXX in XXXX, SC do all the processing to get us help, but XXXX and XXXX XXXX would not give any comment back to them or our attorney for an amount they would accept as the price of the house. At that time, SC Helo had {$32000.00} to helo XXXX XXXX since we were struck hard with financial loss, then Ocwen would not give us a modification loan except to be the amount we had in the first place, XXXX dollars, I still have the slips to send in with the payment and Ocwen and HUD want to say we would not accept help! Then we were thrown to XXXX XXXX XXXX XXXX and they demand to change our GHA contract to deficiency loan while our original contract has deficiency waived on it, they would not work with SC Help last year about XX/XX/XXXX, with XXXX XXXX, the give our attorney an amount they would accept for the house. SC Help had {$36000.00} to come off of the price at 2 percent interest rate but XXXX would not respond. XXXX just told my attorney they would give us a XXXX payment and go up to XXXX after a few months?! My husband had XXXX XXXX due to stress after the mediation meeting, then, with him not working and no financial help, we had some property foreclosed on. Then my husband had XXXX XXXX st the time he had a manager job that paid XXXX an hour. He was released from that job and could not work standing for long periods of time. Three years ago his XXXX had gone back to AFIB and had an XXXX procedure that worked. So, he has just completed two years of driving a bus and working as an assistant with special needs kids at a high school. I had my job taken away as a budget cut, but the school had found me a lower paying job in XXXX, and I am still st that high school. The XXXX XXXX XXXX XXXX knows this, all we need was XXXX, XXXX XXXX, still there, can vouch that we were not going to do the loan if they were going to include the two lots 7 and 8. I now have been diagnosed with XXXX, and we have and are still being told we are. Going to lose our house over the last ten years. We have done everything that you are to do to be able to save our home, but instead we are told we can not rent, or buy anything now that our credit and judgements are on us. I couldnt cover the land payment or ever try help from somewhere else, since we were always in litigation over land that was never in the loan, but no one would ever satisfy or justify in writing to clear us up to live life the last eight years. To be able to play and have a little money to do a few things with the grandchildren.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I mailed payments by 2-day priority and it arrived in time. I was reported late because someone didn't apply my payment for several days after they received it and I was reported late. I am being reported late in XXXX because the post office made an error by putting the wrong letter in my 2-day priority payment. I tried to explain what happen, but I am being reported late again. This is not my fault, but they won't listen.
Company Response:
State: AR
Zip: 718XX
Submitted Via: Web
Date Sent: 2018-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I filed for chapter 13 bankruptcy. My mortgage is not a part of the bankruptcy. We are paying the mortgage, I can not get OCWEN to stop treating me like my mortgage is in bankruptcy. I do not receive timely statements. They claim I am in arrears for XXXX but that money was added to my mortgage payment. I sent a copy of a letter from my attorney. All I get is more papers and no specific letter addressing my specific issues. The main one, is that my mortgage is not part of the bankruptcy. How can this be fixed? Recently they said I am in arrears. I sent them a breakdown of all my payments. I am not in arrears.
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2018-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Ocwen Mortgage. I refinanced my loan in XX/XX/XXXX with Ocwen. It was a refi which my assumption was through the government, at least thats what they lead me to believe. I was in a subprime loan ( don't ask me how that happen but it was a family friend who said " He Was Going To Help Me Out ''. I had put down over {$100000.00} on the home and trusted my brothers friend, that he was doing something good for me. I did get a refi loan for 2 % fixed till XX/XX/XXXX which was great because from Ocwen and was led to believe that there was no balloon payments near the end of that loan. I even file a complaint with your bureau during that time because they would not give me a straight answer. You guys got involved during that time XX/XX/XXXX, and the end result was and your bureau and my wife and I concluded, that there was no " balloon '' payment on the maturity of the loan. I am finding out that this may not be true, yet all the paper work I have from Ocwen does not mention in any way shape or form anything about a balloon payment whatsoever, and when I question my account manager XXXX XXXX, he told me several times that there was no balloon payment. I never missed a payment with my mortgage not once till reps a Ocwen told me in order to refi and get this government back refi so I did, got the loan and though everything was good. 2 % fixed till XX/XX/XXXX sounded great, but now that I believe that there is a balloon payment it does not sound so good. Can you help me once again. Thanks XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92831
Submitted Via: Web
Date Sent: 2018-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had a mortgage with XXXX XXXX XXXX. I attempted several times to obtain a modification unsuccessfully. I attempted to short-sale unsuccessfully. The name of the game was DELAY, DELAY, DELAY. My home at XXXX XXXX XXXX XXXX, XXXX XXXX was eventually foreclosed on. I am including the documents. CFPB received a response from XXXX XXXXXXXX XXXX now XXXXXXXX XXXX on XX/XX/2018 on a complaint I filed to be included in the settlement that XXXXXXXX XXXX, XXXX XXXX and now Ocwen Loan Servicing are all attached and in the loop. This is the same problem some seven years later now of one finance institution transferring the loan to another finance institution to another serving institution in order to avoid working with the home owner.It can get so confusing that they hope the consumer ( home owner ) gives up. They are then off the hook. NOT HERE! I am now filing my complaint against Ocwen Loan Servicing, LLC. I would appreciate CFPB contacting Ocwen and getting their response or better yet Ocwen resolving the issue by sending me my portion of the settlement. Anything less then once I receive a different response, then I can turn all this over to my attorney who awaits Ocwen 's response. Then we can let the attorneys work out a settlement. I have not been contacted by Ocwen by letter or phone over the last five and a half years since moving to XXXX XXXX and since my home was foreclosed on.
Company Response:
State: OH
Zip: 45247
Submitted Via: Web
Date Sent: 2018-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Ocwen Loan Servicing, LLC was the servicer on my mortgage loan. They self identify themselves as a debt collector. In New York State, the Statute of Limitation on collecting a mortgage loan on real property is six years from the last payment made. Ocwen knows, or should have known, that my last payment was made years before foreclosure papers were served on me, in XX/XX/XXXX, yet they continue their attempts to collect on the debt. I recently received a Mortgage Account Statement from them 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: 2018-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A