Date Received: 2018-06-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My complaint is with Ocwen Mortgage Lender. Ocwen is more of a debt collector as suppose to a traditional Mortgage Lender because costumers get none of the benefits that come along with having a mortgage loan from a traditional mortgage Bank. I was a victim of Hurricane Irma. Ocwen gave me a three month mortgage relief plan. After three months the repayment plan was almost double my original monthly payment, so I asked for a modification. During that time they gave me another 3 month extension until the modification was complete with affordable payments. The modification that I was given increased my interest rate which made my monthly payments unbearable with the diaster I already endured with Hurricane Irma. I rejected the modification and proceeded to talk with Ocwen about alternative agreements. Each relationship manager tells me a different scenario. No one is accountable for your account but only calling to collect a debt. When you ask them to review the notes from your previous call with the previous relationship manager you find out that they only wrote notes on half the issue discussed and practically none of the resolution.So you are back to square one. They drag out this process with misinformation until your home is in foreclosure. That is my situation. I am facing foreclosure due to neglect on the part of Ocwen. Also most of the customer service agents or ( relationship Managers ) as they refer to themselves do not speak English clearly but appear to be in another country reading from a script. Please direct me to the proper channels so I can attempt to get this situation rectified before I lose my home
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2018-06-10
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: My name under Ocwen Account # XXXX, is XXXX XXXX but I divorced in XX/XX/XXXX & remarried in XX/XX/XXXX changing my name to XXXX XXXX. In our divorce my ex-husband XXXX XXXX was awarded our home and required to assume responsibility for the mortgage and I signed a quitclaim deed. Last month I found out he did not assume the mortgage and that I am still on the mortgage as a CO-BORROWER. In researching the loan I found that In XX/XX/XXXX while in loan default and foreclosure, XXXX requested XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl. to modify the loan without my knowledge. The loan modification trial was approved, forbearance payments were accepted and the loan modification was made all without my signatures. Ocwen wrote off {$8200.00} in my name which was reported to the IRS in a XXXX as income. In addition Ocwen reported the modification to the credit bureaus and ruined my credit ( FICO XXXX to XXXX ). Now he is in default again and has been approved for another modification without my approval as co-borrower. I've contact Ocwen many times and they say although I'm a co-borrower on the loan and responsible for payment my signature is not required for loan modifiations because I signed the quitclaim deed. They have refused to allow XXXX to assume or refinance the loan in his name only. I have been denied a mortgage of my own with my new husband, can not finance a car nor anything else while this mortgage is on my credit history and remains in my name. It shows up as a {$290000.00} debt in my credit reports. Furthermore my ex-husbands poor payment history and debt discharges could eventually result in me loosing my job with the XXXX XXXX. And finally I did not know about the XXXX of {$8200.00} reported in my name until after I filed my taxes. THAT MEANS I'M NOW GUILTY OF TAX EVASION, WILL LOSE MY XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX AND WILL POSSIBLY SERVE JAIL TIME!
Company Response:
State: TX
Zip: 76021
Submitted Via: Web
Date Sent: 2018-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is the only specialty of Ocwen. This is the only duplicate their lair rep mentions about. The send criminals to XXXX on your property stole your private property using forge documents, lying to clients, deceiving clients and if they see that this I not working they used death threats tactics in order to intimidate people. This criminal organization must close soon permanently. I get death treats from XXXX 18 to 28 per days. Since I am not scare of this criminal behavior as I discover some IP addresses of those criminals I will go to XXXX to file criminal charges and close the doors of those hate-Americans criminals forever. This is the only expertise this pirate mortgage company has. Serviced loans using error-riddled information : Ocwen uses a proprietary system called XXXX to process and apply borrower payments, communicate payment information to borrowers, and maintain loan balance information. Ocwen allegedly loaded inaccurate and incomplete information into its XXXX system. And even when data was accurate, XXXX generated errors because of system failures and deficient programming. To manage this risk, Ocwen tried manual workarounds, but they often failed to correct inaccuracies and produced still more errors. Ocwen then used this faulty information to service borrowers loans. In XX/XX/XXXX, Ocwens head of servicing described its system as ridiculous and a train wreck. Illegally foreclosed on homeowners : Ocwen has long touted its ability to service and modify loans for troubled borrowers. But allegedly, Ocwen has failed to deliver required foreclosure protections. As a result, the Bureau alleges that Ocwen has wrongfully initiated foreclosure proceedings on at least 1,000 people, and has wrongfully held foreclosure sales. Among other illegal practices, Ocwen has initiated the foreclosure process before completing a review of borrowers loss mitigation applications. In other instances, Ocwen has asked borrowers to submit additional information within 30 days, but foreclosed on the borrowers before the deadline. Ocwen has also foreclosed on borrowers who were fulfilling their obligations under a loss mitigation agreement. Failed to credit borrowers payments : Ocwen has allegedly failed to appropriately credit payments made by numerous borrowers. Ocwen has also failed to send borrowers accurate periodic statements detailing the amount due, how payments were applied, total payments received, and other information. Ocwen has also failed to correct billing and payment errors. Botched escrow accounts : Ocwen manages escrow accounts for over 75 percent of the loans it services. Ocwen has allegedly botched basic tasks in managing these borrower accounts. Because of system breakdowns and an over-reliance on manually entering information, Ocwen has allegedly failed to conduct escrow analyses and sent some borrowers escrow statements late or not at all. Ocwen also allegedly failed to properly account for and apply payments by borrowers to address escrow shortages, such as changes in the account when property taxes go up. One result of this failure has been that some borrowers have paid inaccurate amounts. Mishandled hazard insurance : If a servicer administers an escrow account for a borrower, a servicer must make timely insurance and/or tax payments on behalf of the borrower. Ocwen, however, has allegedly failed to make timely insurance payments to pay for borrowers home insurance premiums. Ocwens failures led to the lapse of homeowners insurance coverage for more than 10,000 borrowers. Some borrowers were pushed into force-placed insurance. Bungled borrowers private mortgage insurance : Ocwen allegedly failed to cancel borrowers private mortgage insurance, or PMI, in a timely way, causing consumers to overpay. Generally, borrowers must purchase PMI when they obtain a mortgage with a down payment of less than 20 percent, or when they refinance their mortgage with less than 20 percent equity in their property. Servicers must end a borrowers requirement to pay PMI when the principal balance of the mortgage reaches 78 percent of the propertys original value. Since XX/XX/XXXX, Ocwen has failed to end borrowers PMI on time after learning information in its XXXX system was unreliable or missing altogether. Ocwen ultimately overcharged borrowers about {$1.00} XXXX for PMI premiums, and refunded this money only after the fact. Deceptively signed up and charged borrowers for add-on products : When servicing borrowers mortgage loans, Ocwen allegedly enrolled some consumers in add-on products through deceptive solicitations and without their consent. Ocwen then billed and collected payments from these consumers. Failed to assist heirs seeking foreclosure alternatives : Ocwen allegedly mishandled accounts for successors-in-interest, or heirs, to a deceased borrower. These consumers included widows, children, and other relatives. As a result, Ocwen failed to properly recognize individuals as heirs, and thereby denied assistance to help avoid foreclosure. In some instances, Ocwen foreclosed on individuals who may have been eligible to save these homes through a loan modification or other loss mitigation option. Failed to adequately investigate and respond to borrower complaints : If an error is made in the servicing of a mortgage loan, a servicer must generally either correct the error identified by the borrower, called a notice of error, or investigate the alleged error. Since XX/XX/XXXX, Ocwen has allegedly routinely failed to properly acknowledge and investigate complaints, or make necessary corrections. Ocwen changed its policy in XX/XX/XXXX to address the difficulty its call center had in recognizing and escalating complaints, but these changes fell short. Under its new policy, borrowers still have to complain at least five times in nine days before Ocwen automatically escalates their complaint to be resolved. Since XX/XX/XXXX, Ocwen has received more than 580,000 notices of error and complaints from more than 300,000 different borrowers. Failed to provide complete and accurate loan information to new servicers : Ocwen has allegedly failed to include complete and accurate borrower information when it sold its rights to service thousands of loans to new mortgage servicers. This has hampered the new servicers efforts to comply with laws and investor guidelines. Operations Targeted Financially Distressed Consumers in Danger of Losing Their Homes XXXX XXXX The Consumer Financial Protection Bureau today announced actions to halt two alleged mortgage loan modification scams it believes ripped-off thousands of struggling homeowners across the country. In total, these operations took in more than {$10.00} XXXX by charging consumers for services that falsely promised to prevent foreclosures or renegotiate troubled mortgages. We are taking on schemes that prey on consumers who are struggling to pay their mortgages or facing foreclosure, said CFPB Director XXXX XXXX. We are especially concerned with those who misrepresent government programs or websites to divert distressed homeowners from needed assistance. At the request of the CFPB, U.S. District Court Judges in the State of XXXX have ordered a halt to both operations, the XXXX Law Firm and the National Legal Help Center, and frozen their assets while the CFPB moves forward with the cases. The case involving the National Legal Help Center was initially referred to the CFPB by the Office of the Special Inspector General for the Troubled Asset Relief Program ( SIGTARP ) and Treasurys Office of Financial Stability, which have coordinated closely with the Bureau throughout the investigation. It is absolutely unacceptable for unscrupulous con artists to take advantage of our nations housing crisis by targeting homeowners looking for help from TARPs Home Affordable Modification Program, said XXXX XXXX, Special Inspector General for TARP ( SIGTARP ). We thank the CFPB for protecting homeowners. SIGTARP will continue to stop these scams and educate homeowners that mortgage modifications through HAMP are free. The CFPB is targeting loan modification operations that attempt to disguise their false promises of relief for struggling homeowners with claims that they are performing legal work or are a law firm. The Bureau is also particularly concerned with schemes that attract victims with false claims that they are endorsed by or represent the government. These tactics are used by mortgage relief scams to attract victims, add credibility to their schemes, or exploit certain legal exemptions for the practice of law. The CFPB complaints allege that the defendants in both cases violated the Dodd-Frank Act and Regulation O, formerly known as the Mortgage Assistance Relief Services Rule. These laws prohibit unfair, deceptive, or abusive acts or practices and protect distressed homeowners from mortgage relief scams. Violations of the law alleged in the CFPBs complaints in both cases include : Illegally charged large upfront fees : It is against the law for mortgage relief providers to charge fees before services are provided. However, the defendants in both cases collected fees early on, typically ranging between {$1000.00} and {$4500.00} from each distressed homeowner, for services that rarely if ever materialized. Deceptively claimed to be affiliated with government agencies and/or programs : Defendants in both cases used deceptive language and mailings with government logos, letterhead, and/or marks to mislead consumers into believing that their mortgage relief services were sponsored by or associated with government agencies or programs. Misrepresented that they would secure loan modifications for consumers : Defendants misled consumers that the defendants were experienced negotiators who would substantially reduce mortgage payments, and that defendants would identify legal violations by consumers banks or mortgage companies to use as leverage in loan modification negotiations. However, it appears that defendants failed to provide meaningful relief for consumers. Instructed consumers to stop paying their mortgages and stop contacting their lenders : Financially distressed consumers were told to avoid interactions with their lenders and to stop mortgage payments because the defendants would provide relief, potentially putting the consumers unknowingly at risk of losing their homes and/or ruining their credit scores. The CFPB also alleges that, after pocketing thousands of dollars in illegal fees from one distressed homeowner after another, the defendants in both cases typically stopped returning consumers phone calls and emails. In the end, many consumers learned that the defendants had not contacted their lenders or obtained any meaningful relief for them. Ultimately, homeowners across the country lost thousands of dollars each and suffered significant economic injury, including losing their homes. National Legal Help Center The more recent of the two actions involves XXXX residents XXXX XXXX and XXXX XXXX XXXX and their operation, National Legal Help Center, which appears to target consumers in all 50 states with false promises of mortgage relief. According to the CFPB, National Legal Help Center falsely claimed that they would provide legal representation for consumers even though the individual defendants are not attorneys and consumers received no actual legal representation. Defendants falsely claimed that, for a fee, they could assist consumers in getting benefits from government-affiliated programs, including the recent nationwide mortgage servicing settlement between state attorneys general and the federal government, and the five largest mortgage servicers. Defendants also falsely claimed that they were associated with the Independent Foreclosure Review program overseen by the Office of the Comptroller of the Currency ( OCC ) and the Federal Reserve. In reality, the defendants were not affiliated with either of the programs or in a position to provide the promised benefits to consumers. In fact, on XX/XX/XXXX, the OCC issued an alert on its website about this scam. This is the trophy activity of Ocwen In one case, a former in-home caregiver and her husband who were indicted in XXXX for allegedly defrauding an elderly veteran with XXXX out of about {$180000.00}. More charges are expected, and police say the couple took about {$500000.00} from the XXXX-year-old man. In another case, a handyman convinced an elderly woman to give him power of attorney. He took out a reverse mortgage on the home which the woman had owned since the XX/XX/XXXX, and she never saw any of the money. She almost lost her home due to the scam. We also heard a troubling story about how the CEO and CFO of a XXXX investment firm were charged with 66 felony counts of elder abuse, securities fraud, and conspiracy for bilking older investors of more than {$2.00} XXXX over an eight-year period. The Government Accountability Office report on combatting elder financial abuse identified cases that are particularly thorny for social service, criminal justice, and consumer protection agencies. These cases involve exploitation by in-home caregivers, agents with power of attorney, and financial service providersexactly the kinds of cases mentioned above. These cases also demonstrate why family members or others who have close contact with older adults can play an important role in spotting and preventing elder financial abuse and exploitation. At the inaugural meeting of the Elder Justice Coordinating Council last fall, we heard concerns that echo what the XXXX reported. We shared those concerns with Congress shortly after the report came out. We also detailed the work our Office for Older Americans is doing to combat some of these problems. We are : Developing guides for family members and others with legal authority to handle money for older relatives or friends, but who may not have formal training. The guides will help people understand proper record keeping, good frameworks for investing, and other basics of managing a vulnerable adults money. They also will help people recognize and respond to financial exploitation. Producing a guide for people who operate group living centers dedicated to serving older adults, such as XXXX XXXX or XXXX XXXX XXXX. We are also establishing partnerships with organizations to help distribute this information. Partnering with the FDIC to create XXXX XXXX for Older Adults, a community education and training program for older adults and for caregivers. Coordinating with stakeholders in several states to create and sustain multi-disciplinary older American protection networks. We are also developing strategies to communicate that the Gramm-Leach-Bliley Act generally does not prohibit companies from reporting suspected elder financial exploitation. For many of them, this is often a point of confusion. The Bureau also alleges that Ocwen has failed to remediate borrowers for the harm it has caused, including the problems it has created for struggling borrowers who were in default on their loans or who had filed for bankruptcy. For these groups of borrowers, Ocwens servicing errors have been particularly costly. Through its complaint, filed in federal district court for the XXXX District of XXXX, the CFPB seeks a court order requiring Ocwen to follow mortgage servicing law, provide relief for consumers, and pay penalties. The complaint is not a finding or ruling that the defendants have actually violated the law. The lawsuit is available at : XXXX XXXX XXXXXXXX The Bureau also alleges that Ocwen has failed to remediate borrowers for the harm it has caused, including the problems it has created for struggling borrowers who were in default on their loans or who had filed for bankruptcy. For these groups of borrowers, Ocwens servicing errors have been particularly costly. Through its complaint, filed in federal district court for the XXXX District of XXXX, the CFPB seeks a court order requiring Ocwen to follow mortgage servicing law, provide relief for consumers, and pay penalties. The complaint is not a finding or ruling that the defendants have actually violated the law. Operations Targeted Financially Distressed Consumers in Danger of Losing Their Homes XXXX XXXX. The Consumer Financial Protection Bureau today announced actions to halt two alleged mortgage loan modification scams it believes ripped-off thousands of struggling homeowners across the country. In total, these operations took in more than {$10.00} XXXX by charging consumers for services that falsely promised to prevent foreclosures or renegotiate troubled mortgages. We are going to have 150,000 demonstrating in XXXX against those criminal activity of Ocwen After it the doors of this filthy pirate mortgage company will be close permanently This is the prce for this {$100000.00} property stolen temporary from me. In XX/XX/XXXXand XX/XX/XXXX and XX/XX/XXXX in order to intimidate me they put XXXX criminals to call me 15-20 a day, making even death threats or claiming they are from US Gov. Grants Dept. or from IRS or from Justice Dept. or even FBI or Police Dept. I suspect that a low-level clerk XXXX XXXX from XXXX XXXX is directly responsible for organizing this XX/XX/XXXX looting perform by XXXX since Ocwen and XXXX was the only Institution informed about my trip to XXXX and this action was in ravage to my opposition to their fraudulent and criminal activity. Low level Ocwen clerk XXXX XXXX from XXXX XXXX and the low lever worker XXXX from XXXX knew I will be in XXXX ( documenting Ocwens and XXXX forge documents ) informed XXXX that used XXXX, that used looter XXXX XXXX to loot, vandalize destroy my property in XX/XX/XXXX. Again in a top secret close door knowing that I will not be home to protect from such a criminal attack
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I tried to set up a bi-weekly payment of {$310.00} every two weeks arrangement with Ocwen. I have never been late in the 10 years of my mortgage loan. However, Ocwen has set up a barrier into the bi-weekly automatic system in which they will not allow a bi-weekly system unless you've paid an entire 30-31 days before the next payment is due. For example, I've paid for the entire month of XX/XX/XXXX, but they won't allow me to do bi-weekly until I have paid they entire month of XX/XX/XXXXfirst and my bi-weekly won't start until XX/XX/XXXX. I believe this is a form of steering their customers not getting into bi-weekly payments, thus having their borrowers staying longer into their debt. The actions of the company where this statement " You have to qualify for the option of bi-weekly payments. If you don't qualify for bi-weekly you have other option of monthly payments ''. My response, " I've been on monthly payment option for 10 years. You're steering me away from the bi-weekly option and keeping me in the monthly payment '' I would understand why this control feature is necessary for people who are late on payments. But I've never been late!
Company Response:
State: TX
Zip: 78542
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Ocwen Loan Servicing dishonest employee XXXX XXXX DOES NOT properly investigate consumer complaints, her position is to deny any wrong doing to cover up the pretender lender loan servicer 's abusive loan servicing practices. We will address this issue in court with evidence. On XX/XX/XXXX, dishonest opposing counsel XXXX XXXX responded to my ( " CFPB '' ) consumer complaint honoring my request for Ocwen Loan Servicing and its dishonest employee XXXX XXXX to CEASE AND DESIST ALL COMMUNICATION WITH ME. On XX/XX/XXXX, Defendant troubled Ocwen Loan Servicing and defendant dishonest employee XXXX XXXX are guilty of violating my CEASE AND DESIST ALL COMMUNICATION DEMAND. Dishonest employee XXXX XXXX violated my CEASE AND DESIST DEMAND by directly communicating with me in writing failing to properly direct my consumer complaint to its dishonest opposing counsel so he can directly communicate with my attorney of record. On XX/XX/XXXX, dishonest opposing counsel responded to my ( " CFPB '' ) consumer complaint denying any such CEASE AND DESIST ORDER, once again, attempting to shift the blame on the plaintiff. We will address opposing counsel and XXXX XXXX troubles in court.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2018-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We purchased our home in XX/XX/XXXX through an FHA loan from GMAC Mortgage. Sometime during the next couple of years, Ocwen Loan Servicing, LLC. Since XX/XX/XXXX, I have been a XXXX XXXX XXXX for XXXX XXXX XXXX and like XXXX, we work 10 months out of the year. During XX/XX/XXXX, XX/XX/XXXX and early XX/XX/XXXX, I have little to no work. My wife and I have XXXX kids, 1 vehicle in which we share, so my search for work during the summer ( even PT ) has been very difficult, because not only do I live in a small town, but no one hires someone who is wanting to work temporarily during the summer who will not stay on when the school year starts. I make decent money during the months between XX/XX/XXXX and XX/XX/XXXX, so paying bills is not really an issue during this time. Last summer, we fell two months behind ( XX/XX/XXXX, XX/XX/XXXX ) because of the summer and in addition, we were hit by XXXX XXXX in XX/XX/XXXX. The hurricane did some major damage in our area, being considered by the state as a " disaster area ''. We had two rooms that were flooded by torrential water and we had to spend what little money we had to try and get that cleaned up and make our home livable. We contacted Ocwen Loan Servicing, LLC immediately to let them know of our situation. They said that we could have a forbearance on our account, which would push off payments until XX/XX/XXXX. Our account would still be two months behind and we would be required to pay {$900.00} and change in the mortgage over a period of 6 months. I told them up front that we would not be able to make those payments, because were still attempting to stay afloat after having the summer off and catching up on everything. The agent at Ocwen told us we could apply for a loan modification on our account on XX/XX/XXXX, which we did. We had gotten a loan modification on the account in XX/XX/XXXX and though Ocwen was able to push back the past due to the end of the loan, it was still not solving the summer issue. I made this clear to them several times and though I did this, I think there may have been a language barrier a bit, because most of the time when I would call ( I would say 9 times out of 10 ), I was talking to someone in XXXX. Despite the request to speak to someone in the states who spoke clear and comprehensible English, I was often met with mild hostility on the other end. That modification took Ocwen several months to do because even though I would send in all required documentation, they kept coming back saying they need more, then I would send those and still they needed more. That XX/XX/XXXX modification took over four months to complete. The process was a nightmare for us. Fast forward to XX/XX/XXXX. I fill out the modification application again and send ALL required documentation in. Over the next 6 months, yes SIX MONTHS, I would get mail from Ocwen telling me they needed additional information. I would send the additional information, sometimes even updating pay stubs along the way. I would say over that time, I had sent close to 12 emails with additionally requested information. I kept in contact with Ocwen every week asking for updates. They kept referring to the " underwriters '' as to the ones who make the decisions and request for additional documentation, but after requesting to speak to someone in their underwriting department, they refused, telling me that " they do not speak to customers ''. My issue at the time and during the whole process was when I would send in more documentation was, it would take them 2 weeks at a time to let me know if they had received everything and if the information they received was okay. Every time I would call in or they would call me THERE WAS ALWAYS SOMETHING ELSE THEY NEEDED!!! They dragged this out for six months even after keeping up with them on a weekly basis and still have to break through the communication barrier of having to talk to agents from XXXX/XXXX. Finally, in early XX/XX/XXXX, I received a call from Ocwen letting me know that the underwriters had everything they needed in order to process the loan modification. Then I got a letter from Ocwen around XX/XX/XXXX that was dated XX/XX/XXXX saying that the loan modification was " denied ''. The reason? " The owner/and or insurer of your loan allows only one modification every 24 months '' The owner of my loan according to the letter is ... " Ocwen Loan Servicing, LLC ''.???? I immediately called Ocwen and let them know how upset I was that not only did they deny the request, but the reason given and the fact that Ocwen owns our loan - they would have KNOWN up front in XX/XX/XXXX when we applied for the loan modification that we had gotten one in XX/XX/XXXX. Had we KNOWN this in XX/XX/XXXX, we could have looked at other options, such as borrowing from family or something. At NO time during this process did they EVER mention we would not even be able to apply for a loan modification because we had gotten one in the past 24 months. When I asked the agent this, they couldn't tell me why and I even offered to make an immediate payment and they said they could not accept anything other than the {$8000.00} due on our account for reinstatement.???? My wife and I extremely upset because we have been in contact with Ocwen Loan Servicing, LLC EVERY SINGLE WEEK FOR MONTHS!!! Now we are in a position to where we may lose our home and leave us and our XXXX children ( XXXX of which are XXXX XXXX ) on the street without a home because Ocwen Loan Servicing, LLC deliberately kept information from us and now they are leaving us with only three choices. Foreclosure, Deed-in-Lieu or Short Sale. How is that fair to us? We have done everything they have asked us and I feel they deceived and kept things from us and dragged out a process to a point in which we no longer have a choice. We don't have money to hire an attorney to fight this and I am just upset because because of their deceit, we stand chance to lose our home. We have researched Ocwen Loan Servicing, LLC and apparently we are not the only homeowners that have or are dealing with this issue with them. Apparently thousands of others are dealing with these similar kinds of shady and deceitful practices by Ocwen. Hoping this complaint can help because we honestly don't have any other options.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a notification via XXXX XXXX that my credit score went down so I investigated. OCWEN loan servicing placed a remark into my credit file that stated " foreclosure Initiated '' and my already low credit score crashed. I have been in a mortgage assistance program offered by the State of Connecticut ( XXXX ) for 4 years and have made every payment on time. I see in the history that there are 3 late payment within that time period but the dagger to the heart is the comment that was added between XX/XX/XXXX and XX/XX/XXXX. I am not in foreclosure and demand resolution. I was able to save my house 4 years ago and was in court ordered mediation to rectify the situation. For 6 month OCWEN 's representative lawyers fought me every step of the way but were smacked down by the judge as I was right and just in every dealing with this company. I need resolution as I an a 20 year XXXX Veteran, very recent XXXX, and am applying for a second career. Credit checks are part of that process and I am now limited to the company 's I apply to. I need help now!
Company Response:
State: CT
Zip: 06067
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: *********************************************** THIS IS NOT A DUPLICATE COMPLAINT*************THIS IS NOT A DUPLICATE COMPLAINT **************** THIS IS NOT A DUPLICATE COMPLAINT ******************************* NEW COMPLAINT*******XX/XX/XXXX XXXX XXXX *********************************************** This complaint was submitted XX/XX/XXXX. OCWEN CLOSED this Complaint # XXXX as a duplicate. The complaint # XXXX was submitted XX/XX/XXXX expressing that it was not a duplicate. Today XX/XX/XXXX, OCWEN closed this Complaint as well as a duplicate? The CFPB says I have a right to be heard. The CFPB will provide an answer for me? I did not and do not have an answer to this complaint. My concerns have not been addressed and remain unanswered. I have not received an answer to issues brought to OCWENS attention. I have not received a return call from XXXX XXXX XXXX after several attempts to reach him to make sure he knows what is going on because he is ultimately responsible. There has been no thorough investigation, as no correction or solution has been provided. The COMPANY OCWEN, is not concerned or they would have fixed their problems and errors by now instead of being embattled with a customer. Everything was completed, the name was changed from my deceased daughters estate to mine the recorded deed provided to OCWEN. Five actually five instead of three payments had been made while I was still calling the errors to OCWENS attention. My concerns are how you maliciously responded to my concerns and outcry. I never gave you any indication that I had changed my mind that I did not want these changes as evidenced by the notorized signed documents once I finally received the paperwork after XX/XX/XXXX. I provided the signed notarized final documents and you accepted it? I know how the modification process works. I know how the assumption process works. This was a streamline process. Meaning you processed both transactions simultaneously. I know that. OCWEN did this because of all the errors committed during this process. What I dont know is how OCWEN thinks it is ok to do what they are attempting to do? I paid five payments? That is how I know it was not proceeding correctly. I called it to OCWENS attention and have been punished ever since. OCWEN passing a loan to another lender in a foreclosure status vindictively. There is no reason to contact OCWEN when you say you are standing on your position and lies and you think you are right when you continually lie and attempt to cover your tracks. The modification as well as the assumption were completed simultaneously without a doubt. You can continue to respond, but until you respond with the truth, there is no response or resolution. 1. You were not in the process. 2. Everything modification and assumption were COMPLETED at the same time, simultaneously. dually processed, streamlined. My concerns have not been addressed. I have not received a return call from XXXX XXXX XXXX after several attempts to reach him. There has been no thorough investigation, as no correction or solution has been provided based on the true facts. The COMPANY OCWEN is not concerned or they would have fixed their problems and errors by now instead of being embattled with a customer/consumer. Everything was completed, the name was changed from my deceased daughters estate to mine and the recorded deed was provided to OCWEN. It is not my fault that you did not disclose any terms of the loan other than the payment up front. It is not my fault that I had to force and coerce an employee to give me information that should have been readily provided without request. When an employee asked how do you know that? I knew then that OCWEN was hiding relavent information from me purposely. I also knew that this was not an isolated incident but an OCWEN PRACTICE. Your lie that a supervisor gave me that information as a courtesy is not going to fly! The information was not properly and timely provided. It was not provided by a supervisor at all. Your response is ludicrous and a lie. Five actually five instead of three payments had been made while I was still calling the errors to OCWENS attention. My concerns are how you maliciously responded to my outcry. I never gave you any indication that I had changed my mind. I provided the signed notarized final documents. I know how the modification process works. That is how I know it was not proceeding correctly. I called it to OCWENS attention and have been punished ever since. The modification as well as the assumption were both completed. There is no question or doubt. If your mission is to help homeowners what is going on? ANSWER REQUZiRED? You cant execute what you dont have. You did not send the final documents until I contacted you. That was acknowledged by an OCWEN employee, and I never spoke with a supervisor as you allege. The employee I spoke with acknowledged that the documents WERE NEVER SENT, until I contacted OCWEN. When they were finally sent I signed and had notorized and returned by mail and e-mail those documents. We previously advised that in order to complete the assumption process, the account needed to be current? This was also a lie. I never had that discussion with anyone. This is why the process was streamlined and done simultaneously. OCWEN continually made mistake after mistake which is why the process was being completed at the same time as the modification. It took from XX/XX/XXXX to XX/XX/XXXX because OCWEN continually loss documents. OCWEN then sent the documents to the wrong party XX/XX/XXXX. My personal information was sent to someone else without my consent? Both processes were completed simultaneously because I complained about the loss documents that were sent several times and claimed not to be received by OCWEN, and then finally found by OCWEN. In addition to the process starting over and over it was an issue of time and your errors. So for the sake of time both processes were completed simultaneously. If youre going to do an investigation and call it thorough do it right and tell the truth in regards to the finding. This had absolutely nothing to do with the account being current and there was no advising of such. Let me reinterate, both the assumption and modification were completed simultaneously. Nothing was ever closed as you state. If there is no record of that now, this needs is to be investigated as well. Trial modification approved in XX/XX/XXXX? Was it approved or was it closed? Make up your mind since you so thoroughly investigated? OCWEN as a servicer and its employees should be very well versed and informed of all laws and regulations involving the day to Day operations of your company. I am well aware of the history of this loan which was transferred to OCWEN from GMAC Mortgage XX/XX/XXXX. There were problems upon transfer just as problems continue today with OCWEN. Im not concerned about your belief. Any interpretation should come from your attorney. You clearly have gotten in over your head and pay grade. This was a loan that was being assumed which would be treated differently. It is not my responsibility to educate you on what you should know and believe. As a customer I can only call things to your attention and trust that you are qualified enough in your job duties to know how to follow guidelines. It is evident to me now more than ever that this is not the case. Eventually the courts will decide because you are entering realms for which you have no knowledge or proper understanding. I reintegrate, I have no relationship with anyone but OCWEN until you clean up the mess you created. Either XXXX XXXX will step in and show what should have been done or the government authorities and the courts will do so. If this complaint is CLOSED AS A DUPLICATE, for a third time I will let the public and other government agencies that govern and regulate OCWEN know that you have not only not followed the law, but have deliberately lied to the CFPB in regards to your errors. You also returned my payments and threatened me for sending payments to you when these errors are all on OCWEN. QWR ; I am also making a QWR for any and all documents for Loan Number XXXX from receipt of loan from GMAC Mortgage to present XX/XX/XXXX to include a complete and thorough payment history. OCWEN alleged that the loan was in a late payment status when received from XXXX, it was not. There were errors from day one that were never followed up on and or corrected when requested. THIS IS NOT A DUPLICATE COMPLAINT*******THIS IS NOT A DUPLICATE COMPLAINT**************************THISIS NOT A DUPLICATE COMPLATE****** **DO NOT CLOSE THIS COMPLAINT** Includes QWR Tuesday XX/XX/XXXX, XXXX XXXX
Company Response:
State: MO
Zip: 63146
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX I signed on a contract deed of trust and note with XXXX XXXX XXXX, XXXX XXXX out of XXXX. Per the note, Payments were to be made to XXXX XXXX XXXX, XXXX, the servicer. The Trustee on the deed is XXXX XXXX XXXX out of XXXX. In XXXX on XXXX County, XXXX registry of deeds a corporate deed of assignment was made in the name of XXXX XXXX , XXXX a XXXX XXXX by XXXX XXXX XXXX XXXX to XXXX XXXX XXXX as trustee. XX/XX/XXXX during a modification trial period, XXXX transferred the servicing rights to Ocwen Loan Servicing, LLC out of XXXX XXXX XXXX XXXX. ( In XX/XX/XXXX ) I recieved foreclosure notices 2 weeks later from XXXX XXXX XXXX, XXXX out of XXXX XXXX, XXXX, it did not include a default notice nor had it been 60 days or the modification decision made, nor did it say who they represented. ( Ocwen Later was mandated by the State of XXXX to never accept any more loan assignments in XXXX ) XX/XX/XXXX an appointment of Successor trustee was filed in XXXX County, XXXX registry of deeds by XXXX XXXX XXXX, XXXX to nominate and appoint itself in favor of XXXX XXXX XXXX to become the Successor Trustee and the power within. The document was signed for By Ocwen Loan Servicing , LLC as attorney in fact for XXXX XXXX as Trustee. Throughout the rest of XXXX, in sequential order below, I requested information from Ocwen Loan Servicing, XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. During which XXXX XXXX XXXX rejected request letters for more information stating it did not represent Ocwen Loan Servicing. I recieved letters from Ocwen stating it didn't know who the owner was of the note and the loan was XXXX in a trust with several investor unknown to them. I requested from the full history of accounting on the loan and when recieved it only went to back to XXXX, not XXXX. I obtained the XXXX XXXX XXXX agreement which showed XXXX XXXX as the Trustee of the trust. And it stated XXXX XXXX XXXX Name is the trustee and XXXX XXXX XXXX is Servicer. About 3 to 4 foreclosure notices were sent with amounts lesser than before yet no payments were allowed to be made when attempting to Ocwen. I recieved no avail from when requested from XXXX XXXX or Ocwen about validating the debt. I received letters from XXXX XXXX XXXX also stating they did not represent XXXX XXXX also. I received no response to my Debt Validaton from either company. XXXX sent letters stating they can't respond and Ocwen is the company to contact. The request letters sent to XXXX was returned. Unknown Company unknown name. When searching Secretary of State of XXXX, it stated XXXX XXXX , XXXX had dissolved in XXXX. When searching Secretary of State in XXXX. It said the same. From around XXXX, I recieved foreclosure notices several times. XX/XX/XXXX an appointment of Substitute Trustee was filed by XXXX XXXX XXXX naming itself as the Substitute Trustee signed given by XXXX XXXX XXXX for the owner Mortgage Electronic Registration System ( Mers ) as nominee for XXXX XXXX XXXX a XXXX XXXX. Foreclosure was filed non judicially on XX/XX/XXXX naming XXXX XXXX XXXX XXXX as Trustee of the trust as the party to the action. Eviction proceedings began in XX/XX/XXXX. It's now XXXX and eviction proceeding was awarded to XXXX XXXX on an appeal they proceeded in XXXX XXXX XXXX XXXX of XXXX County, XXXX. Below are the issue with title and interest. Research shows as follows : # 1 State of XXXX shows that XXXX XXXX , XXXX withdrew as a corporation in XXXX. They continued to exist in XXXX as a foriegn entity and didnt obide by XXXX Annotated Code XXXX which states they must file an amendment notifying the Secretary of The that is was not a foreign entity and withdrew as a XXXX to continue to conduct business in XXXX. They did not. XXXX failed in the oversight of this so they continued to exist on Secretary of State website. No amendment was ever filed and they did not exist any longer as a XXXX corporation. No assignments could have been made without a proper party. XXXX is defunct and as such, Mortgage Electronic Registration System is incapacitated moving forward so no assignment should occur through Mers. And also meant the home is unsecured from the inception. # 2 XXXX XXXX XXXX was required by the XXXX XXXX XXXX XXXX XXXX to obtain a license to become a lender in XXXX which also requires fingerprinting and a XXXX XXXX bond put up. They are also required to obtain a license from XXXX XXXX XXXX XXXX and XXXX ( XXXX ). Non of ever this happened. # 3 During an a securitization loan audit, several things were identified in that the loan is included into two trusts and there can no be more than one title to a home. Furthermore means that another company could also attempt to collect at some as well as Investors being defrauded within either trust. No two titles to one home. There is no such thing. # 4 XXXX XXXX XXXX ceased to exist as of XX/XX/XXXX in a conversion into XXXX XXXX XXXX. It stated clearly that XXXX XXXX XXXX ceased to exist in the conversion plan. I signed on the deed of trust and note XX/XX/XXXX. No assumed name was registered for XXXX XXXX XXXX to exist on any contract thereafter it ceased. XXXX XXXX XXXX also was not registered with XXXX XXXX XXXX nor license or registered with XXXX Meaning : XXXX XXXX XXXX could not have given any authority to XXXX XXXX, XXXX XXXX XXXX not any other entity. And Mers never held the note to be the bearer to transfer anything. So no trustee could have existed. # 5 XXXX transfer of the corporate assignment of deed. XXXX went onto to Mers system and stated it was the investor to transfer this deed to XXXX XXXX as Trustee for the trust. The Pooling and Servicing agreement clearly states XXXX XXXX XXXX XXXX is the Servicer. XXXX XXXX XXXX XXXX merged into XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX XXXX is far from the Investor. XXXX XXXX XXXX XXXX was not referenced in the chain of title until this point. And when received the servicing rights from XXXX XXXX XXXX XXXX so it should have known who the investors of the loan was. The owner was unknown. XXXX mispresented itself on MERS as the investor to collide with XXXX XXXX to clear up the clouded title. However, this was an illegal assignment which makes the party on record seem to be the proper party. The assignment also missed the cut off of the trust, per the prospectus by 4 years. # 6 Ocwen. Ocwen in order to correct the issue signed as attorney in fact for XXXX XXXX as Trustee of trust yet they didn't know if XXXX XXXX XXXX XXXX was the owner which they claim in responses to me the servicing were transferred by them but later in Real Estate Settlement Procedure Act ( Respa ) requests it didn't know who the owner was inadvertently and intentionally alluding the truth. Furthermore to correct any issue of the note and foreclose, they would have to make XXXX XXXX the substituted trustee. However when doing so the attestation of the signature of Ocwen 's employee who the notary was personally known to was forged by a XXXX XXXX with the title of XXXX XXXX. During researching other substitute trustee appointments in XXXX County, XXXX Registry of deeds, several other assignments were found where XXXX XXXX signature is forged 2 and 3 months before. On these Ocwen was assigning substitute trustee to a trust and XXXX XXXX XXXX prepared and filed itself. This would effect foreclosure had a fraudulent signature was not used. # 7 XXXX XXXX XXXX, XXXX not one time was clear about who they represented nor who the owner of the note was. During eviction proceeding they presumed they are the note holder. Yet, they did not produce anything but a copy and they only had a person employed by Ocwen to confirm by affadavit that they had the business records to prove it. This doesn't prove the signature. XXXX XXXX XXXX is acting as trustee when if fact, the trustee of the deed never existed. They never validated the debt. They never sent default notices before the foreclosure. # 8 Two Different Legal Descriptions : Original deed of trust filed XX/XX/XXXX shows ( on County Registry of Deeds in XXXX County XXXX ) a incorrect description. And rerecorded to correct the illegal description. Yet no authority shows as to who made the correction nor was a copy of that given to me. Also it was altered without any verified authority. There is nothing attached to it to show that. Furthermore, XXXX XXXX, trustee of the trust, could not have vested interest into the correct legal description of the home because according the prospectus, the trust can not accept new assets after the closing date of XX/XX/XXXX. XX/XX/XXXX is when it was rerecorded on county registry of deeds. It was passed the cut off date to be included into the trust. Hence is why you see the loan included into two different trusts as well. No two titles to one home. And this all means that the debt is unsecured and the house is not collateralized. # 9 In Bankruptcy filing I filed in XXXX, XXXX XXXX XXXX, XXXX filed a proof of claim representing XXXX XXXX XXXX XXXX as attorney in fact for XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX as nominee. It never mentioned the rerecorded deed. In a bankruptcy court this information looks totally different from what has happened years later. The XXXX to the " copy '' of the Note was attached with " pay to the order of '' and left blank. No endorsement no enforcement. There's were no alleged corporate deed of assignment isnt done until 2 years after this. XXXX XXXX XXXX is appointed as successor trustee 4 years after this filing. The opposite has occurred. The assignment contradict what's on file in a U.S. court which is proof in itself. # 10 Securitization In order for anything to have happened the chain of assignment to be correct the following would have had to occur. A ) XXXX XXXX XXXX or Mers as Nominee to XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX to seller ( under the trust ) - XXXX XXXX XXXX XXXX or any successor C ) XXXX XXXX XXXX , XXXX to Depositor- XXXX XXXX XXXX XXXX XXXX ) Depositor to issuing entity trust This did not occur and are missing from the chain of title. No foreclosure should have ever happened. This is a theft by conversion and is crime. Amongst other crimes of Forgery, Institutional Mortgage fraud and more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen has been over charging me escrow fees since XX/XX/XXXX. My property taxes were {$6500.00} in XXXX, but Ocwen charged me nearly {$9000.00} in property taxes. My home owners insurance was {$200.00} per month in XXXX, but Ocwen charged me {$280.00} per month. In XXXX my taxes went down to {$2500.00} per year because I reached age XXXX, but 0cwen continues to charge me {$780.00} per month. I have complained in multiple occasions and to date nothing has been done. I need relief and a lower monthly payment.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A