Date Received: 2018-05-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: We have sued Ocwen and it's in litigation. The phone reps continue to harass daily for payment when none is owed.
Company Response:
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have sent several written letters and emails to troubled Ocwen Loan Servicing requesting that the pretender lender loan servicer open up its pretender lender loan servicers phony XXXX file and provide me with the XXXX XXXX XXXX loan docs, ( e.g. loan app., Hud-1 TIL statement etc., and the appraisal. As of today the pretender lender loan servicer refuses to provide me with all those documents that I am entitled to. The only way to get a response from the troubled pretender lender loan servicer is to file a consumer complaint which forces its counsel to respond to my complaint with typical lawyer spins.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am trying to get a loan and when I went to my mortgage person they have pulled my credit and told me there was nothing they could do because my current mortgage was reporting a bunch of late payments throughXX/XX/XXXX -XX/XX/XXXX. However I have proof that I made all of the payments and I pulled my payment history to show it and it shows every payment being made on time. So I have tried to call OCWEN and each time I get routed to a voicemail and never get anywhere. I am at my wits end and am pleading for someone to get this resolved. My pay history is matching the account number of the credit report that shows me in error so they match up. Please help get this resolved. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: KY
Zip: 40004
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: It's been 3 weeks since Ocwen agreed to a " Repayment Plan '' on my mortgage. The excuses I am getting is ... '' We are still trying to review the repayment plan ... .it has been approve but we still need time ... '' The Repayment plan consist of a {$10000.00} dollar agreement with an 11 months of {$900.00} added to the mortgage payment of {$770.00} which totals the amount of {$1600.00}. I spoke to my relationship manager ( XXXX XXXX ) three ago and he said it will be approve ... .I called the OMBUDSMAN Ocwen Office 5 times and keep getting the run arounds .... I need CFPB to get some answers before I file a lawsuit against Ocwen for Mortgage Fraud. A month ago, Ocwen called my Attorney, stating they plan to foreclose on the home, Ocwen has been sending four of my payments back to me since XX/XX/2018 with the INTENT to Foreclose to make a {$100000.00} dollar profit. I have owned this home for the past 14 years with my family and raise my kids. I have a lot of fond memories. According to my Bankruptcy Attorney, he stated, Ocwen should deal directly with you, since your " stay '' has been removed.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello I really need help with Ocwen mortgage they lied to me since they foreclosed on my home in XX/XX/XXXX.. I have been trying to get help but with no money no one will talk to.me. I have a case management coming up in XX/XX/XXXX. But they sold my house to the new owners in XX/XX/XXXX Ocwen does not have a ejectment or a processing of my property. The new owner taped a letter to my front door telling me I have 2days before locks changed or sign a lease which they were not the owners I just want to get my house back only thing I have left
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX credit reporting shows account open. XX/XX/XXXX credit reporting shows account closed and states that a foreclosure action has begun, Which is incorrect, the foreclosure action what started XX/XX/XXXX. XX/XX/XXXX credit reporting states they count remains closed. XX/XX/XXXX credit reporting shows that the mortgage account had been removed from my credit report, even though the foreclosure action was still in litigation in court. I have requested from Ocwen loan servicing accounts relationship manager, XXXX XXXX, to investigate why the account was closed and removed from my credit report. At present a formal investigation has not begun and it XXXX XXXX insist that the account is still open and litigation remains in court.
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My father passed away XX/XX/2016. I am the heir of the property and believed my father paid off his loan with Ocwen Loan Servicing. I was wrong, I am requesting for a loan modification for heirs who have inherited property. I have given my mother Durable Power of Attorney, because at the age of XXXX years old, I am still distress about my father 's death. I want Consumer Financial Protection Bureau to understand that I want my family want to remain on the property. However, I placed a modification and sent my father 's death certificate and my mother 's durable of attorney and the right to speak on my behalf through the Department of Registrar Wills in the State of Delaware. I am very concern with Ocwen Loan Servicing practices of loan modifications, because our family has been ignored about our complaints about the robo-signing documents that were signed by people who had no knowledge about whether the information contained in the documents was correct, charging improper fees, providing false or misleading reasons for denying loan modifications agreed by the prior services. The family wants to hold Ocwen accountable for these servicing violations. Also, the family wants Ocwen to help assist the heirs of reestablishing loan modification for struggling heirs, who wants to remain on the property. For example " write-down '' loan modification that reduces the principal balance on the loan. A lower principal balance that results in a lower payment and mortgage loan placed on a forecloses hold until clarity of the next-to-kin has an opportunity for loan options and resolutions. The family is asking for the Consumer Protection Unit to help the family understand and determine the status of a pending loss mitigation request within Ocwen Loan Servicing practices, because Ocwen can not refer a loan to foreclosure, initiate a foreclosure, or proceed with foreclosure. In the State of Delaware, Ocwen are bringing all possible foreclosures under " XXXX XXXX XXXX XXXX. '' Secondly, Ocwen must honor loan modification and cease going to court in Delaware. Third, Ocwen must assign a single point of contact to the next to kin regarding the loan modification, as the family wants to request loss mitigation. Finally, the family wants all servicing fees must be legitimate. Respectfully,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Step 1 : What is this complaint about? Ocwen is repeated directly contacting me and im represented by legal counsel, who they know Im represented by legal counsel, and harassing me, who is not actual borrower. Step 2 : What type of problem are you having? Harrassment and inaction on request for deed-in-lieu of foreclosure. Step 3 : What happened? Borrower died, Executor hired law firm to resolve foreclosure and deed property in lieu of foreclosure. For over a year Ocwen has not processed request to deed property in lieu of foreclosure, started foreclosure action and continues to harass executor trying to make her take on mortgage liability personally by repeatedly contacting her directly and asking her to sign paperwork. Borrower is deceased.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My loan was originally with XXXX XXXX XX/XX/XXXX. It was a predatory loan. that state of XXXX AGO sued XXXX XXXX XXXX and came to a settlement in XX/XX/XXXX. I have been working with the AGO and XXXX XXXX foreclosure prevention for years. XXXX XXXX serviced my loan until American Home Mortgage bought out their servicing. We were in default and had done a loan modification agreement with American Home Mortgage dated XX/XX/XXXX that was filed with the XXXX registry of deeds it is not the correct modification on file. Back in XX/XX/XXXXAHMSI sent out a modification agreement after a trial period. This WAS NOT in light of the XXXX XXXX Settlement the XXXX XXXX consent judgement was XX/XX/XXXX. There was no loan forgiveness, all fees were charged, it was not a HAMP modification, or a modification that was a waterfall. It was a negative amortization. AHMSI added over {$28000.00} to my principal balance in error. Two things happened. 1. They had the wrong principal balance on the loan modification that was recorded 2. They never changed the terms of the previous loan in their system. So the XX/XX/XXXX modification was not filed in their own system. When I made payments, they were applied to the old loan. When I discovered that they had the wrong principal amount and they had never changed the loan terms in their system I sent a letter. It took AMHSI until XX/XX/XXXX to send out corrected paperwork for the principal balance, and longer to fix the terms of the loan in the AHSMI system. They never recoreded the corrected modification in the registry in the registry of deeds. When I made a payment it went against the old loan. Made my account look as though it was in default a the time. They would not accept payments, put me in foreclosure, I have a print out of my AHSMI online account access from XX/XX/XXXX from my own account access with AHMSI. My husband and I filed bankruptcy to save our home in XX/XX/XXXX. We were products of the subprime crisis, XXXX XXXX loans were set up to fail. We first went to the XXXX AGO in XX/XX/XXXX to clear this situation. With no progress we then filed bankruptcy. XXXX XXXX from XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX attorney for XXXX XXXX filed a motion for relief of stay in XX/XX/XXXX. 1. XXXX XXXX has the fair market value of the real property ( our home ) at {$310000.00} and liquidation value of the real property is {$290000.00}. This is way under valued by {$100000.00}. Estimated fair market value as of XX/XX/XXXX for my home was over {$400000.00}. the home has been completely updated before this date. This was not the market value my property in XX/XX/XXXX. My husband is a XXXX. 2. It says that the debortors XXXX and XXXX owe XXXX XXXX pre petition arrears of {$29000.00}. Our pre-petition amount due to the loan was {$29000.00} which of {$25000.00} was paid to the trustee to XXXX XXXX and XXXX XXXX. ( have a print out from the trustree of our case ) XXXX XXXX claims we have no equity in our property and it is not necessary to an effective reorganization contemplated by 11 U.S.C. 362 ( d ) ( 2 ) ( B ). This is not true, as stated above they had it under valued. Attached to this motion was the mortgage, promissary note, and an Assignment of Deed of Trust from XX/XX/XXXX from XXXX XXXX XXXX assigning my mortgage to XXXX. in the state of XXXX County XXXX that was never filed in the XXXX XXXX County Registry of deeds. The assignment that was recorded from XXXX XXXX XXXX to XXXX XXXX for our mortgage was from XX/XX/XXXX by Vice President XXXX XXXX XXXX XXXX. How are there 2 seperate assignments but only one recorded? XXXX XXXX suposedly bought my mortgage XX/XX/XXXX American Home Mortgage serviced my loan until XX/XX/XXXX transferred service to XXXX XXXX/XXXX XXXX XXXX XXXX transferred service of my loan to XXXX XXXX XX/XX/XXXX XXXX XXXX transferred service of my loan to XXXX XXXX XX/XX/XXXX. XXXX XXXX the investor of my loan denied me a loan modification three times. XXXX denial letter for loan modification XX/XX/XXXX XXXX Denial letter for loan modification XX/XX/XXXX XXXX denial letter for loan modification XX/XX/XXXX We were told investor will not modify and there is no other alternative to foreclosure or total amount due. They would NOT except monthly payments. All of the above denials were from the investor of my loan XXXX XXXX. At this time we worked with a foreclosure prevention sponsored by the State of XXXX called XXXX XXXX. We worked with XXXX XXXX. Who had a law background, and sent us back to the AGO because she had concerns with how they were handling the case. She also said our loan was not in the guidelines of the XXXX XXXX Settlment and felt our loan did fall under the settlement. Which under the XXXX AGO Facts settlement page, says if you had a previous modification with AHMSI before the XX/XX/XXXX settlement, YES you can have another modification. We started working with the AGO XXXX XXXX, who was having a hard time hearing back from XXXX XXXX who was now servicing the loan for XXXX XXXX. We then left the AGO and hired a private attorney. We then applied for loan modifications two more times on our own with XXXX XXXX and were denied and told no other alternative to foreclosure. We were denied XX/XX/XXXX and XX/XX/XXXX they said I did not send in all paperwork. They were looking for business taxes which I explained I had a XXXX XXXX not a seperate taxes, they denied me modification saying I did not send in the correct paperwork. After a few demand letters and trying to come to a solution with a private attorney, our attorney reached out to the AGO and we were told that our loan did fall under the settlement. At that point stopped using a private attorney as of XX/XX/XXXX and started working directly with the XXXX. AGO. We had a foreclosure date of XX/XX/XXXX. I was not sure of the progress with the AGO I was not given any information, except that our foreclosure was postponed until XX/XX/XXXX while they continued discussion XXXX XXXX. Mid XX/XX/XXXX I received an email/ call from XXXX XXXX from XXXX XXXX that she was emailing me a Loss Migigation Package to fill out. I filled out all necessary paperwork. Again, I received an email that my package was incomplete, for the same reason stated above. They said no proof of income for me because they were looking for business tax returns. I again, explained that it is a XXXX XXXX filed with my XXXX. Finally they said that the package was complete. Within a week I received a call and email with an offer as follows : Here are the terms we offered as a loan modification for loan # XXXX : Good faith payment of {$30000.00} to be received in certified funds by XX/XX/XXXX. We will defer the remaining outstanding interest, fees and advances to be part of a balloon due at maturity. The amortizing principal balance will be {$350000.00}. Rate = 3.00 % Amortizing Term = 480 months Balloon payment due at the current maturity date of XX/XX/XXXX. Total payment ( including taxes and insurance ) estimated at {$2000.00} per month. 6 month trial period to start XX/XX/XXXX. XXXX XXXX saw our financials, know we have been paying an attorney to save our home, know we have been trying to work out a solution since XX/XX/XXXX with XXXX XXXX. XXXX XXXX and XXXX know they have intentionly denied us 5 loan modification over 3 years. Then they approve and offer with a trial period and put a {$30000.00} good faith payment to prevent us from keeping our home. The XXXX AGO asked for them to allow us to start the trial period while we discuss other options for the good faith payment. XXXX the investor denied us and foreclosed on my home on XX/XX/XXXX with a starting bid of {$480000.00} and the home went back to the bank. XXXX XXXX is correct we refinanced our home in XX/XX/XXXXwith XXXX XXXX XXXX, and we could not make the monthly payments on a predatory loan that was a adjustable rate at 9.9 %. It was set up to fail. The state of XXXX filed a law suit against XXXX XXXX for predatory lending. American Home Mortgage, reputation was the same. I have owned this home for 20 years. Why is XXXX XXXX and XXXX XXXX allowed to deny 5 loss mitigation packages over 3 year period, then when the AGO gets involved they give an offer that would have worked out for me and my husband to finally be able to make monthly mortgage payments, but intentionally add a huge good faith payment of {$30000.00} with no other option for me to get them that payment. I offered to pay an extra {$500.00} a month for the first 60 months to get them the good faith payment. They auction off my home started at {$480000.00} which no one would bid on that and XXXX took the home back instead of allowing us to prove we can do the trial period. I even asked since my husband was a XXXX if we could sell the home on our own. They said only if we could close within 3 days before the 14th. So what is the purpose of intentionally draging this out for 3 years with no intention of letting us keep our home? This home was not worth {$310000.00} in XX/XX/XXXX. This home was completely done over and was worth over {$400000.00} I have grafts from this time frame to prove that. I also have original copies of all paper work denial letters. Account print outs from AHMSI, I am in the process of hiring an Mortgage Fraud Analytical Firm. XXXX XXXX monthly statement for my loan as of XX/XX/XXXX says total Amount Due : {$75000.00}. XX/XX/XXXX total amount due {$160000.00} and last statement XX/XX/XXXX Total Amount due {$170000.00}. These statements show a {$2000.00} to $ XXXX monthly legal fees. XXXX XXXX has not addressed any of my issues. Why did XXXX XXXX purchase a loan that was predatory and in bankruptcy and refuse for 3 years to work with us. Denied by XXXX 6 times and they foreclosed on our home taking every bid of equity we had.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am constantly hounded by Ocwen. Even though I am 2 months behind on my payments ( {$850.00} per month ) due to a XXXX, I shouldn't be receiving past due notices for 4000 to 5000 dollars. My escrow account is up to date.
Company Response:
State: CT
Zip: 06708
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A