Date Received: 2018-06-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been involved as a Defendant in a contested foreclosure action. I have both attempted to settle the matter and disputed the validity of the alleged debt. Unfortunately, several attempts to modify the loan were either botched or were not serious offers. I was forced to file bankruptcy to stop the sale of my home. There was an approved loan modification offer sent by mail which was sabotaged in XX/XX/2018 by the Ocwen/XXXX attorney XXXX along with my Bankruptcy attorney. XXXX made several token offers which did not appear to be serious. During this time, I attempted to access the Ocwen website and found that my account was blocked / flagged. My attorney has asked for a break down of arrears in which we received no response. Our calculations show the balance to be close to {$110000.00} where Ocwen claims a balance of {$150000.00}. I represent myself in bankruptcy and I am told by Ocwen to speak with an attorney. I am now pro se and my attorney friend is only consulting and assisting in certain areas. I informed XXXX XXXX numerous times that I represent myself and that information must be released to me only. The trigger to these events appears to be the discovery by bank Attorneys that an approved loan mod was sent " inadvertently '' in XXXX. The loss mitigation/loan mod program run by Ocwen was designed to fail in my case.
Company Response:
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Contact with XXXX and Ocwen and Prior home owner. Paid over 30,000.00 into home tried continiously to contact for information and payments no call back and would not connect me to agent. I finally got through right before they noticed of foreclosure stated there was a bankruptcy, there was not! Tried assumming loan they said to late this was before foreclosure. Called constantly and passed back and forth between XXXX and ocwen then directed to XXXX no listing ... Received harrassment XXXX XXXX to vacate my money is gone me and my childrens things are in our home. Prior owner came and his family becoming violent and destructive to property. I have my agreement signed I have tried even to just forget the previous XXXX as a loss to not have to loose the home for my family previous owners no longer wanted and scammed along with the banks to take our money. As a single mom I have little and losing more is devasting and then through in the abuse to me and my children. What bank does not want money? Its odd to me that I can not even refinance with the bank since the for sale ny owner was a scam. Did they scam me too? No one will answer, I have emailed, called and still no one has an answer .... homeless with a home ... how is this possible?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Failure to inform Credit Reporting Agencies of required disclosure " notice of dispute within the 30 day time frame set by law.
Company Response:
State: AL
Zip: 35749
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: InXX/XX/XXXX I completed a refinancing loan with XXXX XXXX XXXX. In XX/XX/XXXX Ocwen took over servicing of the loan. At the time the mortgage was signed, escrow payments had been computed through XX/XX/XXXX which included payment of insurance and taxes. In XX/XX/XXXX, Ocwen wrongly purchased force placed hazard insurance. This is my second complaint with CFPB ( first filed in XX/XX/XXXX after first trial ). After I won a defense judgment in XX/XX/XXXX, a few days later Ocwen began completing Escrow Analysis. The escrow analysis and deletion of escrow analysis lasted approximately 2 1/2 years and included approximately 8 escrow analysis. After the final running of the escrow analysis a new statement was run inXX/XX/XXXX that deleted several costs including the force placed insurance. The above information regarding escrow analysis ( which included an entry that default trigger on hold for escrow analysis ) was produced in current foreclosure filed in XX/XX/XXXX. The Ocwen log is highly redacted with very deficient privilege log. I would like to receive a copy of the unredacted Ocwen log on my account. Also Ocwen has produced 2 very conflicting account histories. The one produced in XX/XX/XXXXtrial does not show my payments late from the very beginning of the loan. The most recent payment history produced in XX/XX/XXXXshows me late on payments from the very start of the loan. Filed motion to strike their pleadings for fraud on the court regarding the conflicting payment histories, inaccurate BPO to base value of home for mediation, and that they claim to have filed an original note. Certified copies of note from the 2 court files indicates otherwise.
Company Response:
State: FL
Zip: 33629
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: OCWEN repeatedly failed to apply my mortgage payments that were sent directly from my bank and those that I sent through the OCWEN website using their payment service. I kept sending my payments, even as OCWEN failed to apply them. I would send in the exact amount specified on the website and on their phone line. I paid for my homeowners insurance in full, out of pocket, then OCWEN claimed I didn't have insurance and adjusted my escrow. Finally, after I kept calling to report that they were not applying my payments, OCWEN started sending my payments back, putting my mortgage behind. This is the second time that OCWEN intentionally and fraudulently failed to apply my mortgage payments to drive my home into foreclosure, despite my paying the exact mortgage amounts specified on my bill. I believe that OCWEN is trying to steal my home, which I alleged in a previous complaint, after they filed a foreclosure on my home, in violation of federal laws, which prohibit them from raising a fixed loan amount. They claimed my escrow was short by a few hundred dollars. OCWEN is trying to take homes that belong to XXXX people in identified neighborhoods, such as XXXX in XXXX, Ohio. I believe they are doing it in conjunction with certain corporations that are engaging in land grabbing in areas being gentrified. I called OCWEN and was told I owed an outrageous amount of money, which multiplies by thousands each passing day. In one phone call, the agent first told me I was behind 89 days, then after I told him that was impossible, he changed it to 169 days. I repeatedly told him that OCWEN sent my checks back or failed to properly apply my payments, then claimed I was behind. They then sent me a request for a balloon payment, after they intentionally failed to apply my payments. I am requesting that OCWEN be fully investigated for failing to follow federal loan guidelines and for stealing homes in XXXX neighborhoods using illegal loan practices. They also broke into my home and stole over one million dollars in personal and business property when my house was not even in foreclosure. In spite of multiple lawsuits, OCWEN has not changed its predatory lending practices, but continues to take advantage of XXXX homeowners that they think can not afford to defend against their unscrupulous practices through lengthy litigation. I can't reach a supervisor or any qualified rep whenever I call. My loan should have been paid off, but they keep restarting my loan every time they force a foreclosure action. They are intentionally driving homes, like mine, into foreclosure that would not be in foreclosure, except for their conduct. I am requesting OCWEN be fully investigated for violating fair lending laws.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2018-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Been paying on this mortgage for 14 years, XXXX a month and after 14 years only XXXX comes off the principal, this is absorbant interest charges, this company should be investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: this is in fact a follow up to my resent complaint, and after careful review of Ocwen Loan Servicing, LLC there are a number of fraudulent and misleading errors in violation of the Fair Debt Collections Act, mainly, the numerous amounts of paperwork submitted to the Consumer Financial Protection Bureau in which this agency was designed to protect consumers from abuse from mega banks and agencies from the practices gleamed here. mainly the affidavits filed were robo-signed a practice condemned by federal agencies, furthermore, there are a number of holes and gaps in the title chain transfer apparently prior to Ocwen claiming ownership or service connections. The failure to record the required documents accurately undermines and even invalidate the transfer altogether. There are a number of lump-sum payments made by me during the mortgage process which are fraudulently non reflective in any of the vas amounts of paperwork submitted to the CFPB buy Ocwen. I contend that Ocwen has and continue to engage in an illegal foreclosure action as this agency is well aware of the tactics used by Ocwen. it is well settled that every Deed should contain 1. An indication that it is a Deed, 2. Description, 3. Signature of the individual or entity that is transferring the property, 4. Data regarding who is taking title to the property, and 5. Validly delivered to new individual. These holes and gaps in the chain of title and payments demonstrate fraudulent activity and brings into question of who actually owns the mortgage and has standing to foreclose on said mortgage. In 2010, it was revealed that several large banks routinely used affidavits signed by employees who did not personally review the documents and had no basis tor believing that the homeowner was in default or that the bank owned the loan. Employees for financial giants like XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX have all testified that they signed many thousand of affidavits a month, spending about 30 seconds on each affidavit, and that they didn't have a clue regarding the veracity of the affidavit or the documents in question-hence the name " robo-signers ''. Since this scandal broke, it has been revealed that SERVICERS robo-signed all kinds of foreclosure documents besides affidavits, like assignments of mortgage and other documents needed to foreclose. Banks can not legally foreclose on a house if the foreclosure paperwork is not in order, as is the facts here, there has been robo-signers which is illegal and in this instance the demonstrably false and illegal faulty paperwork being submitted by Ocwen or any other can not demonstrate the veracity of the necessary documents.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Borrower is able to reinstate the loan and has asked Ocwen for a 30 day extension but Ocwen is refusing. Borrower does not want to file BK because he knows he can reinstate but just needs a couple.
Company Response:
State: CA
Zip: 93033
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I ha already complaint to you about ocwen twice 1. from the agreement that they had with you but the obmusman never and lied about not having the two accounts -- ( XXXX, XXXX ). I lost in total of {$670000.00} from AMHS that Ocwen own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen Loan Servicing is trying to force us into foreclosure. They have been giving us the round around for months and not only do they not follow through with the process they ask us to follow they then make us restart it over again instead of just taking our money. We missed one payment in XX/XX/XXXX and were locked out of the online payment system so we called in and the nightmare began. We have been cooperative and tried to resolve this matter ever since. They continue to put us through an endless repetitive loop that has no resolution. Then we get a letter from a lawyers office stating we are in foreclosure. We have left two messages with that company to dispute the debt but have yet to hear a response. THIS IS DISGUSTING practice and will not be tolerated. Our credit has been affected. This must be fixed and all late charges must be removed. We have always intended on keeping our home and have made that very clear. The lies that have been told to us are completely unethical. Ocwen should be put out of business. Following is an example of the " loop '' we've been stuck on. I called in to make our payment and get caught up in XX/XX/XXXX if I am remembering correctly. Ocwen said we had to pay through XXXX XXXX or XXXX XXXX or through bank transfer. They said they had to mail us some paperwork and the information to pay through those ways would be included as well as the total amount to pay. I asked if they could provide that over the phone and they said they would mail it. I waited the two or so weeks they said it may take and I never got it. ( I have, however, received useless and numerous " payoff quotes '' in the mail and through email over the next few months. We never said we were paying off our loan and closing our mortgage. ) I called back in to find out why we had not received the paperwork with the amount to pay and how to pay it ( before the date that it was supposed to be paid ) and they said that it hadn't worked on their end and that I needed to provide them all of the info all over again. Never did my relationship manager alert me to this nor did anyone else. This happened several times. They kept saying all was ok and that this would be resolved. In reality, they were just pushing the payments to be more and more past due to get up to the foreclosure status so that they could take our home. INSANE!!!!!!!!!!!!!!!!! The last couple of weeks it got even weirder. I again had an appointment with my relationship manager who told me to send in documents. Before hanging up I set an additional appointment with him to assure he had received everything he requested a few days later. During that next appointment phone call he assured me that everything had been received and that the underwriters were currently reviewing everything. We set up another appointment for the following Tuesday and he assured me during this appointment he would have an answer for me and we would be moving forward. When I answered the phone he spends a long time lying to me and backtracking. He claimed he never told me he had all the appropriate documents and never said the underwriters had what they needed. In fact, I actually was going to have to start the process all over again and provide him with all the of the information AGAIN. Just writing this infuriates me. We have done nothing but try to follow their procedures and be compliant. After looking at the CFPB website and seeing that Ocwen has more than a million complaints we are definitely not surprised. " Helping homeowners is what we do '' is the worst motto possible for this company. I feel that stressing our homeowners and stealing their homes is much more accurate. We would have changed companies years ago ( as we have had multiple problems with them lying and trying to sneak in charges. The list can go on and on ) had we not had such a low-interest rate. We don't even care now. We would happily change and pay a higher interest rate just to get away from this incredibly unethical corrupt company. But before we can do that we must complete this battle, make them fix our credit report and remove all of the late charges and fees that they have been charging us instead of accepting our money months ago! I am sure I am forgetting to document some critical points here and will add them on as I look through additional notes from over the phone appointments with this horrific company. We have been in constant contact with Ocwen and have been given multiple amounts to pay to move forward. Every time we have tried to pay them they have said they can not accept the money and we need to provide them with information all over again. I feel foolish for believing them for the first few months and allowing them to do this to our family. Now, whenever I speak to them I try to be compliant to play along but will no longer sit by while they try to bully us in to taking our home we've been paying on for over 13 years. JUST TAKE OUR MONEY AND REVERSE THESE INSANE CHARGES ETC SO WE CAN HAVE A LEGITIMATE MORTGAGE WITH A REPUTABLE COMPANY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A