Date Received: 2018-06-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The only duplicates those looter organizer refers to is refusing to reply Violating the US Privacy law and encouraging identity theft Organize death treats since thise criminals had private information only from Ocwen nobody else and the treats are coming from XXXX I will never get scared I will bring justice against those criminals I would like to REPEAT that XXXX XXXX XXXX defrauded my family and sold a mortgage to another institution knowingly that FRAUD was involved making this transaction ILLEGAL. Ocwen must take seriously in consideration that Since the FRAUD was confirmed in writing the sale of this mortgage to Ocwen is null and void. XXXX XXXX XXXX must take back this mortgage clean it up and after all garbage is removed from this mortgage only than XXXX XXXX XXXX can sell this mortgage or settle it with my family. Any other action will only create series legal consequences for an abused and disrespectful bank that abuse the legal and the banking system when defraud family as is the case with me. SINCE THERE IS FRAUD INVOLVED PLEASE DO NOT ALLOW ANY FORCLUSURE TO GO ON AS I AM DETERMINED TO SAVE MY HOUSE BUT NOT THE FRAUD OF XXXX/XXXX XXXX XXXX. Please no longer disregard my letter since reflects real info back up by real documents. If indeed you want to resolve the dispute started intentionally be a very abusive bank all you need to do is read proper all my letters and take it in consideration. Ignoring it will create even more confusion. SEC will get involved too. Your Institution should avoid the abuse of XXXX XXXX XXXX and try to clarify this abuse before issue any letter. XXXX/XXXX XXXX bank needed ONLY to cover up the FRAUD. I continue to receive many letters from you Institution that IGNORE the dispute pointed out many times and in return you send me very confusing info not related to my case. With each letter the monthly payment is seriously inflated and reflect taxes and insurance for one year to be paid each month so in one year you ask me to pay taxes and insurance for 12 years!!! I mention very clear that first we must solve the abuses done by XXXX and then we can discuss the Modification or HARP. Otherwise through your action you are asking me to accept all abuses and massive overcharges and this will never be done. Regarding XXXX I confirm that regardless of the final resolution we are bringing this bank to Court. As per my husband conversation with one your Rep below you will get AGAIN an explanation for the abuses. A copy of this Doc will be sent to office of NYS Banking Department for the abuses of XXXX since there is a massive overcharges to my account and we must solve the differences first. Also I am determined to save my house even if we go to any Court. I need help in solving the dispute intentionally generated by XXXX/XXXX XXXX Bank in order to generate profit before they went bankrupt due to Criminal and Fraud activity. I am sure we are going to prove this in the Court soon. As for the Ocwen is giving the FALSE impression that Ocwen purchase this account before XX/XX/XXXX which it totally false. The account was purchase on XX/XX/XXXX. In one invoice the monthly payment is {$6000.00} and in another is {$3300.00}!!! It is clear that there is a luck of communication in your Institution as is not possible to have too many incorrect invoices reflecting only abuses nut real amount. It is very clear that with each new letters received from you all facts are more confusing than necessary. Your our institution explain the situation point by point in the XX/XX/XXXX letter but this was only a theoretical presentation, that do not solve the abuse and fraud done by XXXX. Please no longer use such letter as a response since this is NOT THE CASE. I made it very clear that XXXX/XXXX XXXX XXXX defrauded my family as well as your bank. Your Bank ignored completely all my correspondence, WHY?? I prefer to have a face to face meeting with you and present you documents and you will see how this XXXX defraud people. How your Institution is helping me when in your last invoice for example the interest is {$30000.00} and this is very much overstated. The abuse is very clear since XXXX tried to overcharge me in one year a total amount for taxes and Insurance equivalent to 12 year. So for the rest of the mortgage your bank wants now to charge me a total of 269 years of taxes and insurance!!! Translate in dollars your Institution now if I make the payment will charge me the equivalent of 400 % the entire cost of the Mortgage Note and this is like paying for 4 houses at the same time. This is exact what your Institution inherited from XXXX and tried to overcharge me NOW. WHY?? You address this issue in your XX/XX/XXXXletter????? / This is abuse and fraud not theory mention in your letter. It is very clear now that either your Department did not read any of my correspondence or simply ignore them. This is abuse and fraud not theory as mention in your letter. Each week I receive letters from you that present each time more confusing facts and clear indication that your Institution does not want to solve the dispute even if I comply with your request to answer within 30 days period of any dispute when you sent me the first massive overstated invoice. I received the invoice and it is very clear that all my correspondence sent by me are ignored constantly. Interest claimed by you in your last invoice is {$340000.00}!!! This is completely wrong since your monthly calculation is different in each document. XXXX/XXXX XXXX XXXX defrauded my family as well as your bank that is more serious than DISPUTRE. I hope this letter will give you a clear picture of the abuses not to mention that I do have a few extra doc. proving the fraud done by XXXX XXXX XXXX. We NEED TO SOLVE THE DISPUTE FIRST. I WILL EXPLAIN AGAIN BELOW SO YOU CAN UNDERST HOW CONFUISING IS YOUR LETTER THAT clearly indicate the creative accounting preform by XXXX in order to defraud my family. The only way you can understand the situation is clearly having an open conversation and not only can we prove 100 % that our information are accurate but you will understand how XXXX defraud families of their properties and this must STOP A.S.A.P. In order for you to understand the massive abuses done to my family INTENTOIONALY by XXXX XXXX XXXX/XXXX that not only defrauded my family but your bank too please read carefully this letter. In my XX/XX/XXXX letter I stated very clear the abuses done by XXXX XXXX XXXX/XXXX that LIE in ever doc. sent to your Bank. On XX/XX/XXXX I received a letter from your bank confirming that XXXX transferred my mortgage XXXX : XXXX as of XX/XX/XXXX to your institution. Your Bank asked me to confirm the outstanding amount of {>= $1,000,000}. THIS IS FALSE. Also in that letter you Bank stated that the amount due was {$560000.00} ( THIS IS FALSE AGAIN ) from which {$320000.00} ( includingXX/XX/XXXX represents interests unpaid for 63 months or 5 years and 3 months ) as well as an Escrow amount of {$100000.00} all-inclusive up to date of XX/XX/XXXX ( also 63 months or 5 years and 3 months )!!!. The Escrow account statement in my possession show a large surplus but in your doc it show only a surplus of {$3000.00}!!!!! How can you have a surplus if the account was not paid for 63 months??? In XX/XX/XXXX I tried to make payments and the Special Department of XXXX/XXXX XXXX XXXX call me 4 times telling me that I was not allowing to make any payment until the account situation would clear ( Was in a selling process since XX/XX/XXXX!!!! ) As requested by your Institution I confirmed my DISPUT within 30 days from XX/XX/XXXX. I also got a letter from XXXX dated XX/XX/XXXX, confirming the fact that for 63 months includingXX/XX/XXXX, the balance is {$430000.00} ( see attached XXXX Doc ) instead of {$560000.00} as claimed be Ocwen bank. Only from those outstanding balances I TOTALLY DESAGREE with the amounts. Your bank OVERSTASTED the amount documented by XXXX/XXXX XXXX XXXX by {$120000.00} XXXX 30 % ). Also XXXX/ XXXX XXXX Bank tries desperate to inflate the amount by {$150000.00} or an extra 35 % from the real outstanding balance that also includes fraud charges of {$24000.00} paid at the closing to get a fix rate and so on!!!! This means that Ocwen Bank inflates the outstanding balance by {$250000.00}!!! ( 46 % extra ) WHY??? FACTS : According with XXXX /XXXX XXXX XXXX the interest balance is {$320000.00}. This means that I did not pay for 94 months, not 63 as is officially mention in both letters from XXXX/XXXX XXXX XXXX as well as your bank. Since the monthly interest payment mention in your documents is {$3400.00} multiply with 63 equal {$210000.00} Your bank tries to charge me an additional 48 % ( OVERCHAGE ) of {$100000.00}. In XX/XX/XXXX the rate was only 3 % ( I have proof ), but your documents show a rate of 3.375 % increase by 0.375 % or an extra charge per month of {$380.00}. So, from XX/XX/XXXX until XX/XX/XXXX there are 50 months multiply with {$380.00} equal an OVERCHARGE ( EXTRA ) of $ XXXX.We also paid at the closing an amount of US XXXX for a discount rate of 5 % nothing else. XXXX intentionally change the rate by 0.875 % which increases the monthly payment by over $ XXXX.so for 38 months an overcharge of {$34000.00} 1 ) It is clear that XXXX/XXXX XXXX XXXX use a CREATIV ACCOUNT Done by one of their painters not accountants so they can create a false impression of the unpaid balance. 2 ) On the Escrow account is mention an outstanding balance of {$100000.00} including XX/XX/XXXX. In the Escrow account is included amounts paid for taxes and for insurance. Since my taxes per year are around {$10000.00} and the Insurance is only {$1400.00} the total per year is only {$12000.00} and for 63 months the total amount is XXXX = {$1000.00} per month multiply with 63 months equal {$63000.00}. According with your calculation and XXXX/XXXX XXXX XXXX the outstanding balance is {$100000.00} or 103 months of unpaid escrow. So your bank and XXXX XXXX XXXX XXXX calculate an extra profit of 64 % or OVERCHARGE of {$40000.00}. You make your own conclusions. 3 ) Also in your statement is mention an overpaid amount of {$3000.00} in the escrow account!! All this for 63 months!!! How can you have an OVERPAYMENT in the ESCROW account OF {$3000.00} unless there is a creative accounting done intentionally by a bank that defrauded my family starting with the day when the closing took place? 4 ) All information provided to you by XXXX/XXXX XXXX XXXX are FALSE as this bank sold an account purchased from FDIC for only 8 % ( I can give you concrete information ). XXXX/XXXX XXXX XXXX made a profit in one year of 900 % of the face value. Not to mention that they seriously overcharge your bank when they sold in such a rush their account thinking that they are out of any liability. They are totally wrong. Adding all those amounts that OVERSTATE THE outstanding balance ( see above explanation ) we have the following : $ {$250000.00} plus {$100000.00} in interest plus {$19000.00} in interest plus {$34000.00} in interest and {$40000.00} in escrow we have an OVERCHARGE of {$450000.00}. All explanation prepared by a former bank Controller. I kindly ask you again for support in order to solve the dispute as we are determined not to absorb the abuse of XXXX. If your institution is interested in solving this issue I am sure we can find a solution. I prefer to settle the account so we can close it. Other issues that needs clarification please see : 1 ) The closing was done over my house and the agent came at XXXX driving 30 miles. Since was a big storm coming the closer rush us in order to avoid the storm. 2 ) The mortgage Note implanted on the date of closing include facts never discuss with me like the rate of 5.875 % fixed for 4 years and also interest only!!!! According with this doc in XX/XX/XXXX the rate will be adjustable ( interest only ) until XX/XX/XXXX!!!!! In XX/XX/XXXX the rate was 3 % only but your doc show a rate of 3.375 % increase by 0.375 % or an extra charge per month of {$380.00}!!! So from XX/XX/XXXX until XX/XX/XXXX there are 50 months multiply with {$380.00} equal an OVERCHARGE of {$19000.00}!!! 3 ) We also paid at the closing an amount of US XXXX for a discount fix rate of 5 %. The difference in rate of 0.875 % increases the monthly payment by over {$900.00}. 38 moths overcharge of {$34000.00}!!! 4 ) These conditions were never discussed with me during the negotiation process. 5 ) Since XX/XX/XXXX XXXX refused to investigate and help me clear the abuses done by them for so long. 6 ) My husband was told that the mortgage pay is interest only for 2 years, a day later was for 5 years and finally another day later for 10 years with prepay penalty for 3 yr. or 5 yr. Whats the situation? I prefer to settle this account and close this chapter since the abuses of XXXX XXXX XXXX is going to drag your bank and tarnish your reputation too in the Court system
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen ignore intentionally their clients so those people property can be looted as is my case This is done because I do not have any mortgage or financial obligation conform by those looters and their lawyers that defraud my property. As mention in each of my letters since the FRAUD was confirmed in writing the sale of this mortgage to Ocwen is null and void. XXXX XXXX XXXX must take back this mortgage clean it up and after all illegal charges are removed from this account only than XXXX XXXX XXXX can sell this mortgage or settle it with my family. Any other action will only create series legal consequences for a bank that abuse the legal and the banking system when defrauded family as is the case with me. I would like to REPET that Ocwen defrauded my family and sold a mortgage to another institution knowingly that FRAUDE was involved making this transaction ILLEGAL. I continue to receive many letters from you Institution that IGNORE the dispute pointed out many times and in return you send me very confusing info not related to my case. With each letter there is another amount outstanding and this must stop. With each letter the monthly payment is seriously inflated and reflect taxes and insurance for one year to be paid each month so in one year you ask me to pay taxes and insurance for 12 years!!! Please no longer disregard my letter since reflects real info back up by real documents. If indeed you want to resolve the dispute started intentionally be a very abusive bank all you need to do is read proper all my letters and take it in consideration. Ignoring it will create even more confusion. It is not clear yet if your Institution is interested in finding a solution or is ignoring all together all our points. I mention very clear that first we must solve the abuses done by XXXX and then we can discuss the Modification or HARP. Otherwise through your action you are asking me to accept all abuses and massive overcharges and this will never be done. Regarding XXXX I confirm that regardless of the final resolution we are bringing this bank to Court. As per my husband conversation with one your Rep below you will get explanation for the abuses. A copy of this Doc will be sent to office of Pennsylvania Banking Department for the abuses of XXXX since there is a massive overcharges to my account and we must solve the differences first so they are going to be involved in the abuses of XXXX since there is a massive overcharges to my account and we must solve the differences first. Also I am determined to save my house even if we go to any Court. It is very clear that with each new letters received from you all facts are more confusing than necessary. Your our institution explain the situation point by point in the XX/XX/XXXX letter but this was only a theoretical presentation, that do not solve the abuse and fraud done by XXXX. Please no longer use such letter as a response since this is NOT THE CASE. I made it very clear that XXXX XXXX XXXX defrauded my family as well as your bank. Your Bank ignored completely all my correspondence, WHY?? I prefer to have a face to face meeting with you and present you documents and you will see how this XXXX defraud people. How your Institution is helping me when in your last invoice for example the interest is {$30000.00} and this is very much overstated. The abuse is very clear since XXXX tried to overcharge me in one year a total amount for taxes and Insurance equivalent to 12 year. So for the rest of the mortgage your bank wants now to charge me a total of 269 years of taxes and insurance!!! Translate in dollars your Institution now if I make the payment will charge me the equivalent of 400 % the cost of the Mortgage Note and this is like paying for 4 houses at the same time. This is exact what your Institution inherited from XXXX and tried to overcharge me NOW. WHY?? You address this issue in your XX/XX/XXXX letter????? / This is abuse and fraud not theory mention in your letter. It is very clear now that either your Department did not read any of my correspondence or simply ignore them since. Ocwen must take seriously in consideration that SINCE THERE IS FRAUD INVOLVED I ASKED YOU NOT ALLOW ANY FORCLUSURE TO GO ON AS I AM DETERMINED TO SAVE MY HOUSE BUT NOT THE FRAUD OF XXXX/XXXX XXXX XXXX. SEC will get involved too. I have all documents proving 100 % the fraud of XXXX so I ask Ocwen and your Institution to stop the Foreclosure as there will be problems for your institution too. I prefer to SETTEL the account so we can close this very ugly chapter ASAP. First I will repeat a few facts and all is based on clear evidence that are even in the Court NOW. For the last 2 years in the Escrow account at XXXX there was a surplus of over {$5300.00}. To understand the issue I kindly ask you to take the R.E. TAX and the insurance invoice. You will see that the total is around {$3800.00}. You divide it by 12 and you will get the monthly payments for escrow. Once you gert5 this number compere with the charges XXXX tried to overcharge my family and you will see how this bank is defrauding people. Once you understand it you will understand my problems. My husband is preparing a legal case against XXXX and IS SURTE HE WILL WIN IT. Even SEC confirm it as well as his law firm. I am determined to save my house and expose the abuses of XXXX and the lie of their incompetent legal firm XXXX from NJ that lie in the Court and soon they will have massive problems. Soon you will get the new Court Doc against XXXX and XXXX and you will see how this abusive bank defraud families. To understand XXXX abuse done intentionally in order to defraud my family we must have a clear open conversation presenting FACTS not XXXX/XXXX XXXX Bank fantasy in their creative accounting. We must solve this dispute first since XXXX XXXX XXXX/XXXX abuse not only my family but your bank too. I WILL REPET AGAIN MY CONCERNS : On your INVOICE dated XX/XX/XXXX indication that the following amounts are outstanding so far. Principal Balance is {$180000.00} ; Escrow balance {$17000.00} plus Past due {$78000.00}. So if we add all this the outstanding balance is {$270000.00}!!!!!! In this amount you have more than 500 % overcharge. Please be aware that XXXX XXXX XXXX/XXXX XXXX provide me with an escrow account and there was a large SURPLUS that your bank transformed it incorrectly into a charge WHY?? How it is possible from a large surplus you want to charge me instead? If you need this doc I have it. Your monthly interest is only {$470.00}!! If you divide the past due balance then you have 163 months UNPIAD!!!!!!! OR ALLMOST 14 YEARS UNPAID MORTGAGE. This is FALSE and if we ca have a clear open conversation we can clarify all those lies and abuses done intentionally by XXXX in order to DEFRAUD my family and your institution. My mortgage was with XXXX since year XX/XX/XXXX not since year XX/XX/XXXX!!! This is completely false and INACURATE. On day one when you ask my family to confirm the outstanding balance I confirmed then that all info presented are FALSE and inaccurate but your institution totally ignore it. You took the information from the XXXX XXXX XXXX from NJ that LIE in the Court proceedings and we did not react intentionally since we needed to have all those info presented officially in a COURT of Law and NOW not only we can prove it either through the court system or face to face but we are going to use those lies so this Law Firm will by brought in front of JUSTICE to respond the those intentionally lies done so they can profit from a family with a temporary financial stress. I am sure that this Law Firm will have serious problem from now on because they lie in order to take advantage of a family temporary financial distress and we will report them to all proper institution so they no longer defraud other families. I will not accept to overpay the abuses by a bank like XXXX that defrauded my family and sold ILLEGAL my account to you knowing that they will be investigated and they may lose the banking license for fraud activity. I intend to save my house but NEVER ACCEPT the abuses overcharges of XXXX /XXXX XXXX XXXX . I kindly ask your bank to help my family since I am a victim of FRAUD from XXXX/XXXX XXXX XXXX that was only interested in defrauding my family. All information provided by XXXX XXXX XXXX to your institution are FALSE as this bank sold an account purchased from FDIC for only {$8000.00} and sold to your bank for at list 6,000 % profit!!!!! My husband instructed XXXX XXXX to get a PR company to see the effect of the abuse done to the clients but so far they ignore it. This is OK since my husband will convince with documents the same Department in Justice Department that investigated XXXX XXXX XXXX to start ASAP investigation against XXXX/XXXX XXXX XXXX I need help from your bank to solve the dispute intentionally generate by XXXX XXXX in order to generate as much profit as possible before they went bankrupt due to Criminal and Fraud activity. I am sure we are going to prove this in the Court soon too. Your XXXXnstitution should avoid the abuse of XXXX XXXX XXXX and try to clarify this abuse before issue any letter. XXXX XXXX XXXX needed ONLY to cover up the FRAUD with the help of this law firm XXXX LIE in the Court. This Law Firm XXXX requested that some people go to my property and vandalize it so my husband register this abuse with the local Serif. My husband took the case to SEC the NJ and Pennsylvania Attorney General to Department of Banking and the lawyer that lie in the Court will also get the licenses suspended as well as a legal case too. We will make sure that this Law Firm will be responsible for the lies they did in the Court. I believe that we are only at the beginning of what will take place since we are determined to make public the abuse of XXXX/XXXX XXXX XXXX with the help of this law firm. I kindly ask you again for your support in order to solve the dispute and abusive of XXXX/XXXX XXXX XXXX and not create an even more problems. We are determined not to absorb the abuse of/XXXX XXXX XXXX. If your institution is interested in solving this issue I will gladly come over and bring all documents ignored by XXXX XXXX XXXX temporary and once this dispute is clear. I am sure we can find a program that allow me to bring the account current or settle the account ( I prefer this ) so we can close it. The outstanding balance should be {$200000.00} and we need to find a solution. The interest calculation and the escrow is false I have a document where XXXX XXXX XXXX stated in XX/XX/XXXX that there is an overpayment of over {$5500.00} in escrow account!!! My property was evaluated at {$73000.00} and your outstanding balance as per XXXX FASLE CALCULATION is XXXX and this is TOTALLY false. In the Court document the lawyer representing XXXX/XXXX XXXX XXXX falsely presented a number of {$250000.00}!!!!! This total include a monthly payment of {$1500.00} when in my bank doc is clearly written {$860.00}. So the bank presentation was nothing else than a FALSE AND MISLIDING PRESETATION for this reason we will reach the USA Supreme Court too. I am determined to save my house with all the abuses of XXXX XXXX XXXX Below you will see my disputes. If we can make a settlement it will be beneficial to both parties involved. 1 ) Balance XX/XX/XXXX was {$180000.00}. As with the modification the total includes the taxes and the interest as of XX/XX/XXXX totaling {$4400.00} paid on XX/XX/XXXX advances. This must be excluded from Escrow /Impound Overdraft Tot {$12000.00}. 2 ) Amount of {$12000.00} representing finance charges only not escrow is incorrect. A standard calculation including the XX/XX/XXXX must total {$12000.00} making total overcharge of {$700.00} 3_ Total Escrow {$12000.00}. Overcharged in this category by {$6400.00} 4 ) Late charges {$910.00}. The bank has now all explanation. Overcharged {$910.00} 5 ) Property inspection : in the reconciliation you will get charges each month of {$11.00} this is not the case as the reconciliation showed that a person come to the house every month for 4 years!!!! 6 ) NSF total {$160.00}. Since I had fraud in my checking account at XXXX XXXX ( now XXXX XXXX ) I was told by XXXX that they will reverse those charges but was never done. Overcharge {$160.00} 7 ) BPO total {$200.00}. No visit to the house but only charges!!!! 8 ) Previous paid foreclosure total {$810.00}. As of XX/XX/XXXX included in the new principal. Overcharge {$810.00} 9 ) Sheriff Serving charge {$99.00}. The Sheriff never served any complaint. Overcharge {$99.00} 10 ) Review file all Pleadings and Loan Doc ( 2hr @ XXXX per hour ) The presentation according with XXXX XXXX and XXXX ID XXXX had been provided by the Acc. Dept. with all explanation. Overstated by {$250.00}. 11 ) Prepare and file Pre-trial XXXX hr @ XXXX = $ XXXX.No need to be charged since the legal fees are separate. Doc prepared by XXXX not by the lawyer representing the bank Overstated by {$620.00}. 12 ) Preparation for Attendance at trial XXXX hr @ {$120.00} = {$1000.00}. Overstated by {$1000.00}. The real payoff amount should be {$200000.00} before we subtract the payment for XX/XX/XXXX for {$860.00} and you will see the explanation below XXXX # 11 with this we do have : {$200000.00} - 868. Also before Ocwen the mortgage was assigned with Mortgage XXXX XXXX XXXX XXXX. FINAL PAYOFF TOTAL {$200000.00} I prefer to find a solution to SETTLE this account so I can close this very ugly chapter start4ed abusive by XXXX XXXX XXXX after they purchase this account for 8 cents to 1 dollar. I did not received yet your correction of my paid Insurance and decision regarding taxes. Please no longer disregard my letter since reflects real info back up by real documents. If indeed you want to resolve the dispute started intentionally be a very abusive bank all you need to do is read proper all my letters and take it in consideration. Ignoring it will create even more confusion. Is time to close this looter organizer and drain the swamp of financial institution that lie to people
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was sent my mortgage statement for XX/XX/2018 and it included {$73000.00} in past due/other charges. I called the company to ask what this was for and was told after speaking to several people, that the company did an audit of my account and found they had been charging me he wrong mortgage payment for the last 5 years. They then added that to my account, and almost doubled my monthly payment. They never sent me an explanation of this. they also add another XXXX a month for what I do not know. At this rate the loan will never be able to be paid off. Not one person there can really explain what is going on. they only state I owe it. I am a widow on a fixed income and can not pay this exorbitant amount. I believe they are practicing unfair lending or predatory lending practices towards me, engaging in unlawful collection pratices, creating hardship, and attemping a fraud under lender regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I filed documents with ocwen showin evidence of a Equity trust they have me in which is a Pooling service. Ocwen states there are several mortgage in the PSA and Equity is just a name. The issue I have with this is my loan is a conventional Loan the word Equity should not be associated with the PSA. It clearly states EQUITY TRUST. My Deed Clearly states it is not and EQUITY DEED. Next XXXX XXXX is not even in my loan documents and they show them in the trust SEC as my Beneficary/ They show XXXX as a Beneficary which is not in my orginal deed. My orginal deed Beneficary Trust is XXXX as listed in the deed Next The cut off date as in the SEC Report shows From XX/XX/XXXX-XX/XX/XXXXI would like to know how my loan was put in this PSA. I closed on my loan XX/XX/XXXX. The trustee at the time was Mortgageit not XXXX XXXX please explain? The law states no new instruments can be added to a trust once close please explain how it is possible for Ocwen transfers that are past the trust date XX/XX/XXXX-XX/XX/XXXX. Ocwne do not know about the orginator of the loan per to you the CFPB that means a broken chain of command in title.Please explain? Explain how Ocwen is doing a Non-Judicial forecloser when it clearly shows they accelerated the loan in XX/XX/XXXX which is pass texas law for non-judicial foreclosure document attached showing Ocwen is now duel tracking I sent a modification pack within the seven days per law they are to stop the foreclosure while in review. Ocwen is reviewing and has the sale date still on the property. This is illegal. I also want to know why Ocwen lied to the CFPB and sent fake documents showing the loan was accelerated in XX/XX/XXXX when in fact as the document I provided shows XX/XX/XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have repeatedly called OCWEN and attempted to ascertain why my home is in foreclosure. I have been assessed fees after OCWEN failed to apply my payments. I noticed today another lawsuit filed against OCWEN. The federal Magistrate has refused to make public the escrows that OCWEN has fraudulently manipulated for millions of homeowners, which is one of the exact same issues I have repeatedly submitted complaints regarding. The same issues that I have been alleging against OCWEN for years are being alleged by millions of other homeowners. The problem is that OCWEN keeps getting away with fraud and the only persons making money are the lawyers, OCWEN and the agencies that sue them. The homeowners continue to be scammed by OCWEN. I called OCWEN today in response to their response to my last complaint. They listed the name of a relationship manager, as though this person is really available and there to individually assist customers. That is a farce that no agency has yet to address. Of course, that person was not available, as they are NEVER available, so I talked to the random customer rep, as I always do. I spend almost an hour or more on the phone every time I call, but I never get any results. They just follow their phone script and don't listen to the homeowner. Today, after spending a half hour on the phone, I had agreed to send in all of the payments that OCWEN rejected or misapplied, before forcing my home into foreclosure. I told the rep that I didn't trust OCWEN because they never honestly follow through and I wanted in writing the amount I agreed to pay to reinstate the loan that they forced into foreclosure when they charged me for insurance that I paid in full out of pocket and adjusted my escrow upward. After we spent a half hour discussing the payment it would take to reinstate the loan and remove the foreclosure status, she agreed to send it in writing to confirm. However, she also stated that the agreement would only be good until XX/XX/2018, but that I would not get the agreement in writing until 3-5 days later after our conversation. I asked her to email it, which only takes a minute and could arrive the same day we made the agreement. If today is XX/XX/XXXX, and the agreement is only good until XX/XX/XXXX, but OCWEN is not going to actually send the agreement until XXXX, by the time they send the agreement in writing, it will be past due, expired and I would be in default of an agreement I never received. When I explained how stupid that would be to the Rep to send me a letter in writing that was expired by the time it arrived, she told me that it had to go to another department first. These are the kinds of fraudulent and nonsensical practices that OCWEN engages in to steal consumers ' homes. They don't help homeowners, they harm homeowners and for whatever reason, despite the hundreds of lawsuits against OCWEN regarding their fraudulent loan practices, they keep getting away with stealing homes and taking consumer 's money. How is a homeowner supposed to fight a company that is taking advantage of homeowners by taking their mortgage payments and misapplying their funds to back up their mortgages and drive them into default. Why would I or anyone in their right mind send {$4000.00} to OCWEN to reinstate a loan with no written assurance or guarantee that they would stop the foreclosure that was wrongfully initiated. I fell prey to this last year because I was bullied, pressured and forced to sign a document to keep from losing a home that should have never been in foreclosure, except for their fraudulent practices. Yet here I am, six months later, fighting a new foreclosure after they stole over a million dollars in assets, valuables, family heirlooms and property from my home that was not in foreclosure at the time they illegally broke in, by removing my locks and breaking down my door, which their XXXX admitted, after trying to cover it up. When is the CFPB and attorney general going to stop OCWEN from their fraudulent loan practices?
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Basically, Ocwen Loan Servicing, LLC., came into our Mortgage, Note by providing a Modification as XX/XX/XXXX. Thereafter the Modification, the new note became : 1. {$84000.00} from unpaid Principle balance of {$58000.00} as of XX/XX/XXXX. 2. Interest Rate 5.750 % from 7 % 3. Change in Maturity original date XX/XX/XXXX to XX/XX/XXXX. My concerns are : 1. Ocwen forced us to pay Monthly payment of {$1100.00}. How comes such a high payment in a loan less than {$100000.00} and or, {$84000.00}?? 2. Ocwen filed for Foreclosure after just three months of mispayments, specially in XX/XX/XXXX ; was that lawfully executed in Florida Laws or USA??? 3. Ocwen 's Escrow account department charged more than {$7700.00} for XX/XX/XXXX Hazard and Flood Insurance, on a roughly {$120000.00} house value ; that was wrong and deceitful. Those Insurance was only cost {$4500.00}. Ocwen committed perjury to the court. 4. Ocwen sold the house even after we Filed Chapter XXXX Bankruptcy. Ocwen has abused us, illegally, and unethically ripped off the property. Ocwen has inflated their numbers so it can steal the property. Ocwen has made it impossible to accept payment from us. Please help us.
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2018-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a foreclosure that was closed on XX/XX/12 and the account shows a date of last action and closed as of XX/XX/12 but they are reporting new late pays every month.I have tried correcting this issue by contacting them and going to the credit bureaus but have had no success.
Company Response:
State: CO
Zip: 80004
Submitted Via: Web
Date Sent: 2018-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear CFPB, Thank you for allowing me to submit this complaint. Ocwen Loan Servicing LLC recently submitted to XXXX a credit reporting agency that I was XXXX days late on a mortgage with them that has been refinanced through my credit union, XXXX XXXX. They were informed of this by my credit union as well as myself during this process, not to mention that I have received a confirmation letter from Ocwen acknowledging their payoff. So this is absurd! And it is now on my credit report wrongfully and needs to be removed. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2018-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To whom it may concern, I applied for a modification and was approved stating that a response must be received by XX/XX/2018. I was put on a trial payment plan which is {$1000.00} for three months. I asked that after the three months would my mortgage then drop to a lower payment, and I was told no it would remain the same. I have a hardship, and I am trying to keep my house out of foreclosure, so if you can help me I would be most grateful. I am on a budget and I can't pay this amount.
Company Response:
State: MS
Zip: 392XX
Submitted Via: Web
Date Sent: 2018-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, XXXX and XXXX XXXX filed for a modification to Ocwen Loan Servicing, LLC for my husband and me. On XX/XX/XXXX, a letter was sent from Ocwen to us that the application was complete as of XX/XX/XXXX. However, on XX/XX/XXXX, a decision letter was sent out to us and this came as a surprise to us because it was a denial letter for the modification. The result was astounding. It explained that our home is worth too much money. One would infer that if our home costs much more than what we owe the bank, then that would be a good reason for us to get the modification for the property. However, this was not the result. Therefore, it stunned the people of the company who were assisting us and we were also astonished. The reason is that, XXXX and XXXX XXXX told us that they have been doing modification since XXXX and they have never heard a reason like that before and the same applied to us. Thus, XXXX and XXXX XXXX told us that they appealed that decision. As seniors, with a meager total combined income from Social Security 0f {$1100.00} plus {$600.00} from one of our daughters who are helping us, how does Ocwen think it is possible for us to pay {$1500.00} each month for mortgage payment and to survive? Please see what you can do to help us and thank you for your Kind consideration.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A