Date Received: 2018-05-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: THIS COMPLAINT IS ABOUT XXXX XXXX USING FORGED LOAN ASSIGNMENTS AS PROOF OF OWNING MY RENTAL HOME, TO TRY TO ILLEGALLY EVICT MY FAMILY -- COSTING ME ALMOST $ 100k 1 ) I am a renter with a long term lease. My family moved into the home XX/XX/XXXX 2 ) XXXX XXXX filed an eviction against me about XX/XX/XXXX, and XX/XX/XXXX. They claimed they foreclosed in XX/XX/XXXX. 3 ) XXXX XXXX dismissed their first eviction, after I replied with my lease. 4 ) XXXX XXXX filed their second eviction, after I wrote them a letter informing them they did not have the entire house in their name, and it has extensive geological issues rendering it a " danger to life and limb ''. 5 ) Throughout, XXXX XXXX persisted in trying to sell the home, despite being aware of the extensive Geological issues, dangerous mold, and a rat infestation, among other issues. 6 ) I had reason to believe the loan assignments to XXXX XXXX were forged, and as a result XXXX XXXX did not actually have any interest in the house at all ( so then neither does their agent OCWEN. ) 7 ) Namely, the first assignment to XXXX XXXX was 3 years too late, and was signed by " XXXX XXXX '' -- who the first National Mortgage Settlement acknowledges did not exist and is a forgery. All assignments with XXXX XXXX and from XXXX are forged, and not authentic. 8 ) If the assignment is fake, XXXX XXXX as the trustee of a trust ( not a direct lender ) can not possibly have an actual interest of any kind in my rental home. 9 ) Since XXXX XXXX 's assignment is fake, they do not actually have standing ( the right ) to evict my family. 10 ) My attorney asked to depose XXXX XXXX 's person most knowledgeable ( PMK ), to their attorneys XXXX XXXX XXXX XXXX XXXX, to get discovery on this issue. 11 ) XXXX XXXX continued to put off the PMK deposition. My attorney forced the issue. 12 ) A substitution of attorney was then signed, subbing in XXXX XXXX XXXX. The Substitution was signed by OCWEN, not XXXX XXXX. 13 ) XXXX XXXX via their attorneys XXXX XXXX XXXX, persisted in avoiding the deposition and hearing for more than three years!! 14 ) A deposition with XXXX XXXX 's PMK ( from OCWEN ) was held in Spring XX/XX/XXXX. OCWEN stated they were operating under the authority of XXXX XXXX. 15 ) OCWEN could not describe exactly how they ( supposedly ) got the loan. 16 ) OCWEN was unable to prove ownership of the loan or the house. 17 ) My attorneys requested additional discovery, for XXXX XXXX to prove my house was in the trust XXXX XXXX claimed to be the Trustee of. If it was not, XXXX XXXX had no standing in my house and therefore no client, no right to foreclose and no right to evict. 18 ) XXXX XXXX was unable to provide any proof my rental house is in the trust they claim an interest in the house in, or that they have any client. In other words -- XXXX XXXX is claiming to represent someone they do not represent, and to have interest in a house they have no interest in. Therefore -- all of XXXX XXXX 's attempts to evict me as a renter were illegal, as they never had the right to foreclose and they never had the right to evict me. In case XXXX XXXX claims they are the wrong party, I have attached a letter from their attorney stating they represent XXXX XXXX. They also claim I have submitted the same complaint. Not true. There is no complaint they've properly responded to which I submitted again. XXXX XXXX keeps claiming I have no right to bring their illegal activity up. I have spent nearly $ 100K due to their fraud, trying to illegally evict my family. Of course I have a right to complain about this. I would appreciate it if you stop letting them get away with this!!!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PRIVACY ISSUES - REPEATED DISCLOSURE OF CONFIDENTIAL INFORMATION XXXX XXXX via their attorneys continues to disclose my confidential information on my dispute with them, to the former owner of the house I rented and her attorney -- without my permission or approval. In fact, I told them NOT to do that. When they ignored me and once again divulged confidential information about my dispute with XXXX XXXX, AND MY MAILING ADDRESS -- I submitted CFPB complaint # XXXX at the end of XX/XX/XXXX for illegally disclosing my private information. ( XXXX XXXX wrote me a letter regarding that dispute, but told CFPB it is not their complaint. This is a lie. ) Instead of stopping their practice of illegally including people not a party to my complaint with XXXX XXXX -- on XX/XX/XXXX I received a letter at my home dated XX/XX/XXXX in response to my recent complaints. It stated I am not the owner so they reuse to respond to my complaint ( even though it has nothing to do with the owner ) -- AND THEY COPIED THE FORMER OWNER AND HER ATTORNEY WHO HAVE NOTHING TO DO WITH MY COMPLAINT!!! NOT ONLY THAT -- THEY INCLUDED ALL THEIR PRIOR LETTERS EVEN FURTHER DIVULGING MY PRIVATE INFORMATION ABOUT THIS COMPLAINT AND MY MAILING ADDRESS, WHICH IS NOT PUBLIC KNOWLEDGE WITHOUT MY PERMISSION. THEY ONCE AGAIN DIVULGED MY CONFIDENTIAL INFORMATION. Since XXXX XXXX steals their clients identities to open unauthorized accounts, they obviously do not take private data seriously. They seem to believe they can do whatever they XXXX well please. I notice although XXXX XXXX wrote me a letter they refused to respond to my complaints, they responded to the above complaint to you that they are the wrong party. They also claim this is the same issue they responded to. This is also a lie. Despite multiple complaints different in nature, XXXX XXXX has not appropriately responded to any of them. The owner of my rental is XXXX XXXX. Their name is on the deed. The name of the TWO cases trying to illegally evict me as a renter with PTFA rights was XXXX XXXX. Further, in a deposition of Spring XX/XX/XXXX, OCWEN testified under oath at least 17 times they are operating under the direction of XXXX XXXX. OCWEN further testified that they had power of attorney and the law firm XXXX XXXX XXXX is operating under the direction of XXXX XXXX. Since XXXX XXXX 's agent XXXX XXXX XXXX, and their employee XXXX XXXX XXXX persist in divulging my confidential information, they need to answer for this.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: this problem is with ocwen loan servicing ... .they somehow have taken my morgage from a XXXX escrow overage to now my payments are late and i am now {$7000.00} behind..i contacted you previously but nothing was done.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen services my grandparents mortgage. My grandparents are deceased. My grandfather died on XX/XX/XXXX and my grandmother died on XX/XX/XXXX. I am the executor of my grandmother 's estate ( she was the executor of my grandfather 's estate and when she died through Probate I was granted executorship over her estate ). I was granted ownership of the home through probate, which can be confirmed on the county records. I am also an authorized party on the account and I am in the process of assuming the mortgage from Ocwen. I was impacted by Hurricane roof. I obtained roof and fence damage. A condition of assuming the mortgage was to obtain homeowner 's insurance in my name. I did and as a result was able to file a claim to cover the damages received. My homewoners insurance company disbursed two checks totaling {$6400.00} ( {$4100.00} roof ; {$2200.00} fence ). The checks were made out to me ( not my grandparents ) and Ocwen. I mailed the checks to Ocwen, which they received on XX/XX/XXXX and deposited on XX/XX/XXXX. Ocwen mailed a check to me and the Estate of my grandparents on XX/XX/XXXX. To no avail, I have been unsuccessful in cashing the checks because the checks are made out to my grandparents, whom are deceased and I do not have an estate account for both of them. As mentioned above, I am the executor of my grandmother 's account, but I am not my grandfathers because she was and I would have to go through the lengthy probate process again to become the executor of his estate. I asked Ocwen to reissue the check in my name and they stated they could not because their is a lien on the property and I am not listed on the mortgage. This is disheartening because they should not have cashed my check considering I am not on the account. They stated they were able to deposit the check because I am authorized, which is even more disheartening that you would take my funds that were not made out to my grandparents, but will not distribute them solely to me when records indicate that I have made payments on the account, am an authorized party and am in the process of assuming the loan. I was told my issue was escalated to Legal and my only recourse was to obtain a contractor to perform the work and Ocwen would issue funds directly to them. Again that's disheartening because Ocwen will issue funds to a 3rd party based off my permission, but will not issue the check to me. Not to mention, I have had more damage occur because of extensive rain, which means I have to get another quote and pay more money out of pocket because the contractor information I previously provided Ocwen is no longer valid because an updated quote is needed per the contractor. The representative I have been working with at Ocwen is very understanding and helpful, but can only do so much within her control. I explained on numerous times that I was assuming the loan and was told to ask for the Assumption to be escalated, which again is disheartening considering both departments are with the same company. Why should an outsider have to ask for the assumption to be escalated when I'm working with two internal departments of the company. Clear example of lack of communication and effort between departments within the same company. I am very disappointed. Ocwen should not have cashed my check if there was an issue with me not being on the mortgage. Even if they were on the check, the check was not made out to my grandparents and since I'm not on the lien they should not have cashed the check if they were not going to disburse funds to me. I don't know how long the process will take to assume the property. I have provided all documentation and it's in Ocwen 's court. This is poor servicing.
Company Response:
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to Ocwen and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XX/XX/XXXX and was told it would be resolved in a few days My current mortgage company called them again on XX/XX/XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.
Company Response:
State: CT
Zip: 06460
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had a old disputed Loan account showing up on my credit report. This Account was allready removed more than a year ago from XXXX due to a the 7 year period from last delinquency. Ocwen Loan servicing decided to do a Internal credit on the account making it appear that it was under the 7 years and sporadic payments had since been recieved. This caused it to be re reported even though its considered re-aged debt and past the Statue. I have tried for Months working with both Ocwen and XXXX. XXXX states they can not accept my Support because Ocwens reporting is overding. Ocwen has provided letters attached that they say should be submitted to XXXX. XXXX says Ocwen still reports against what the Support state. I am frankly tired of this each pointing fingers. This account is over 7 Year from the last recieved payment and should not be re-reported simply because they decide to make Internal advancements or adjustments to the account..
Company Response:
State: FL
Zip: 34698
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: First, this was not just a modification and it had been approved name was changed out of the estate of my deceased daughter. Ocwen put it back into the estate of my deceased daughter. Terms and all conditions are supposed to be provided up front no matter what. There is a legal requirement to provide ALL terms and conditions up front under RESPA, not a courtesy. The only thing that would void this situation is if I did not perform not make agreed payments. Ocwen providing documents when and where you want is not my problem, and I intend to not let you make it my problem. Not three but Five Payments were made before I could get Ocwens attention that a mistake, a servicing error had occurred. Ocwen doesnt get to go back and correct this in Ocwens favor. There is a trial period but no trial terms. If I start off paying {$300.00} a month I will continue to pay {$300.00} a month and Ocwen does not get to revise terms at a later date to the extent that Ocwen has revised, especially after you deemed me qualified. Ocwen should know better. Ocwen did not provide the information in XX/XX/XXXX as you allege, that is a lie. In fact after the fact Ocwen has gone back tried to clean everything up and tried to sell the loan Five Months later. You are trying to protect OCWEN, but damaging the homeowner in the process by not following the laws. If you were Providing a Courtesy it was to Ocwen. I performed Ocwen did not. I did not need your Provided Courtesy, what I need is for you to provide and abide by the law. FHA, HUD, RESPA. If assisting homeowners is what you do What happened? But that is a lie as well. I am not opposed to my loan being transferred. I am opposed to Ocwen doing a sloppy and illegal job of following through properly and legally on my loan transaction and contract. Further, if there was a problem Ocwen had six months previous to the start of payments to make those decisions or changes or not offer a loan contract. Ocwen cant after the fact scrap the contract after I have performed. If Ocwen were counting on me to not make payments they took a risk/gamble and lost. Ocwen certainly cant think sending my payments back makes OCWEN right. You requested every document possible and had every opportunity to not make the offer, but once I accept after your careful scrutiny you can not go back and change it after I perform. You certainly cant do it within the constraints of the law. However you slice it Ocwen has a problem. This needs to be handled by XXXX XXXX because it is now above anyone elses pay grade. I know the process and the laws behind it. Ocwen will not get away with this. I know what occurred and your lying is not going to make this go away. Please do what should have been done when I first called it to your attention.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To begin, due to a loss of income, the client fell behind on his mortgage payments. After having applied and being approved by GMAC / XXXX XXXX for a modification. This offer was made in writing by XXXX, who then failed to implement modification agreement. Later the loan was transferred to OLS. My clients continued to attempt to resolve this issue, with no success. After having acknowledged the error and delaying the implementation of the modification, OLS failed to postpone or hold the foreclosure action on my clients property. Later, once the clients were threatened by a foreclosure action, OLS provided a loan modification with different terms and timeframes. In a separate matter, on XX/XX/2017, OLS issued the clients an Interest Rate Adjustment notice which inaccurately provided the wrong payment and interest rate. We are writing to have these issues investigated and resolved.
Company Response:
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen was sent a request for payoff amount of reverse mortgage on XX/XX/XXXX. Ocwen has not responded to this request and will not address the issue when phoned by myself and the escrow title company. Ocwen has made an extra {$370.00} in interest in the time they have delayed in producing a loan payoff amount. Ocwen does not seem to be interested in my satisfying this loan.
Company Response:
State: CA
Zip: 95367
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was applying for a loan modification and was told to send in documents before 7 business days prior to foreclosure sale date. Documents were sent before the due date and my forms were not reviewed. I only received a denial letter of the modification XX/XX/2018 stating my application was not able to be qualified because they didn't have a complete package. A case manager told me my documents was received on time but not uploaded to my application. The documents was received with an extra day to spare.
Company Response:
State: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A