Date Received: 2018-05-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ive been trying to work with Ocwn thats my mortgage company for 4 years I tried to do an assumption I tried to do a modification nothing is ever possible I wentctheuva bitter divorce about 2years ago my ex defaulted in court judge awarded me the house Ocwen has been telling me for 4 years I can not do an assumption because there is arrears my ex husband stop paying the mortgage when I filed for divorce. I could not afford the mortgage on my own at the time I was left alone with our XXXX children one of which has XXXX. Ocwen kept telling me all the court did was award me the debt nothing else! I contacted the XXXX XXXX XXXX to help me he has been getting no where either. I was recently told my property is going to be sold on XX/XX/2018 even though we have been working with them. I cant understand why no one will help me. I can now afford the mortgage that my ex husband had, but mortgage company says I have to bring the mortgage current before I can assume the loan, which is now {$73000.00} after all kinds of fees. My mortgage is some how almost {$500000.00} even though the house is only worth {$180000.00} at best it needs slot of work, even if you base it on the other properties in my area still no more than {$230000.00}. I dont know what else to do my son will not handle us having to leave the property the house belonged to my parents we bought it from them 16years ago. Please help
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have file a Chapter XXXX BK back in XXXX the Mortgage with Ocwen XXXX Bank account number XXXX was included in this BK. XXXX and XXXX have delete this completely from the credit report. I'm having an Issue getting them to remove it from XXXX. this is affecting my loan Application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: For several years I have been paying {$31.00} towards principal only on my mortgage so that I am able to pay my home loan off earlier ; a review of the payment history reveals Ocwen has been holding the principal payments made until the XXXX of the next billing month instead of applying payments received directly principal.
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been paying {$1100.00} per month since XX/XX/XXXX. I was 2 payments behind at that time. I sent in {$1100.00} each month never late since XX/XX/XXXX. On XX/XX/XXXX the Loan Retention Department for Ocwen Loan Servicing called me to inform me that they can not accept any more payments from me as of XX/XX/XXXX. I am now 90 days pass due, and I am about to go into Foreclosure. My payment went up to {$1200.00} in XX/XX/XXXX, according to Ocwen Loan Servicing. So, I have missed 2 payments, now I am 4 months behind. I sent in the payments of {$1100.00}, but were not accepted by Ocwen. I did not get any notice that my payment had increased to {$1200.00}. I speak to my Relationship Manager, XXXX XXXX each month, probably several times in a month, or anyone who is taking his place on the day that I call. His telephone number is XXXX XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX at approximately XXXX XXXX. regarding the above issues. XXXX XXXX reminded me that I am under Modification Review at this time, should I be denied Modification, He will schedule a repayment Plan of a down payment of {$2300.00}, ( which is the total of the 2 payments which are being returned to me ). The XXXX XXXX suggested that I would have a payment monthly for 5 to 11 months to catch the payments up and all the charges, legal fees, late charges, all arrears, etc. which are in access of {$8500.00} payments. Mind you, I was only 2 payments behind up until XX/XX/XXXX and XX/XX/XXXX. Each payment of {$1100.00} was made timely. These payments were made timely each month from XX/XX/XXXX until XX/XX/XXXX. I was never advised of my payments being increased until XX/XX/XXXX by phone, from the Loan Retention Department. I never received a letter or notice until XX/XX/XXXX which was verbal communication by phone. After I was told of this, I called XXXX XXXX XXXX, Office of the CEO , XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. XXXX did some research, so she claimed, and stated to me that in XX/XX/XXXX, when an analysis was done in XX/XX/XXXX, there were errors made. My payment was incorrect. It should have never been {$1100.00}. The miscalculation was the fault of their computer system. My question is why should I have to be penalized because of a computer error. I was paying {$1100.00} as was agreed between Ocwen Loan Servicing and myself. XXXX XXXX went on to tell me that there is nothing she can do about this. I had spoke with XXXX XXXX of the Consumer Ombudsman Department on XX/XX/XXXX regarding the Modification Process. I was repeatedly sending in documentation to the Underwriting Department. Each time I sent an updated document, another one was outdated. I asked XXXX XXXX if she could help me. She instructed me to email or fax documentation as requested to her, and she would forward to the Ocwen Underwriting Department. I sent the requested documentation to the attention of XXXX XXXX XXXX at email : XXXX. Also, to Fax Number : XXXX XXXX XXXX. It was verified that she did receive the information, and she would forward to the Underwriting Department ( Team ). It was verified by XXXX XXXX XXXX today, and also by XXXX XXXX on XX/XX/XXXX, the package was complete, and my Modification Review is in process. It may take up to 30 days to get an answer from the Underwriting Department Team. I informed XXXX XXXX, my Relationship Manager that I would call each day until I know what the decision is regarding the Modification, that I have been trying to obtain since XX/XX/XXXX. It has practically been 1 year now, and I still do not know what is going to happen as far as a Modification for me that is acceptable and fair. I have sent in documentation over and over, this is the first time, a complete package has been received according to the Underwriting Department. I involved the CEO 's office XXXX XXXX XXXX at XXXX XXXX XXXX who sent the documentation which I provided to her as was requested by the Underwriting Department. NACA has been my advocate since I started this process with Ocwen Loan Servicing. XXXX XXXX XXXX, Ext XXXX, ( XXXX ) XXXX XXXX, is my Advocate with NACA. I don't feel that they have been on top of their game as far as an advocate should be. I can not afford to pay {$1700.00} per month for 5 months nor 11 months to catch up arrears. I need help. That is why I filed for a Modification at the on start of this issue. I realized that I could not catch up the 2 late payments of {$1100.00}. So, I filed for a Modification of my Loan. I never received a written notice, nor a telephone call from Ocwen regarding the miscalculated payment amount. Each time I called into the Relationship Manager Department for Ocwen Loan Servicing, XXXX XXXX XXXX nor anyone on his team instructed me of this change or shortage. I always asked if my payment was received, they would verify, " yes it was received. '' It was never mentioned that I was short, the payment was not accepted, nor any other communication regarding my payment change. That information should have been in the computer and the Relationship Manager should have made me aware of this issue immediately. I wish to file a legal suit again Ocwen Loan Servicing, and all persons involved and named herein. Can you help me? I do not wish to lose my home, and it would be a struggle to maintain the payments should they go up to {$1200.00} and/or {$1700.00} for 6 to 11 months according to XXXX XXXX XXXX That is not helping me. I wish to continue paying {$1100.00} per month or less of a payment would be even better for me. I should not be penalized for a computer error in XX/XX/XXXX by Ocwen Loan Servicing, LLC. I want Ocwen to accept my payments for XX/XX/XXXX and XX/XX/XXXX in the amount of {$1100.00} immediately, with no late charges attached. It is not my fault that Ocwen Loan Servicing, LLC had computer problems and the mortgage loans was miscalculated according to Ocwen Representative XXXX XXXX XXXX. I followed the agreement between Ocwen Loan Servicing, LLC and XXXX XXXX XXXX as was put into place in XX/XX/XXXX.
Company Response:
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was directed by the Division of Enforcement U.S. Securities and Exchange Commission to submit my claim to CFPB as well. Because of concerns regarding predatory lending, I am disputing the validity of the current debt that is allegedly owed to XXXX XXXX XXXX , XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX serviced by OCWEN. Based on my research the mortgage assignment from XXXX XXXX XXXX f/k/a XX/XX/XXXX XXXX has discrepancies in one or all of the following : 1. XXXX XXXX XXXX , XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX SEC File Number : XXXX The Pooling and Servicing Agreement filed with the SEC states the following : 1. This Trust Cut-off Date is XX/XX/XXXX and the closing Date is on or about XX/XX/XXXX. 2. Under the Delivery of Mortgage Loan Documents - In connection with the transfer and assignment of each mortgage loan to the trust, the depositor will cause to be delivered to the trustee, on or before the closing date. 3. Alleged mortgage assignment was dated XX/XX/XXXX over 4 years after trust closed and recorded with the county clerk on XX/XX/XXXX which is 6 years after the trust closed. 4. XX/XX/XXXX is the DEPOSITOR. 5. The assignment of the note and mortgage from XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX rather than from the Depositor, violates the Pooling and Servicing Agreement which requires that the Depositor deliver to and deposit the original note, mortgage and assignments to the Trustee. Under XXXX XXXX Trust Law, every sale, conveyance or other act of the trust in contravention of the trust is void. EPTL 7-2.4. 2. XXXX XXXX XXXX , XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX and OCWEN have relied on a fraudulent Mortgage Assignment. On United States Bankruptcy XXXX XXXX District of XXXX XXXX XXXX Case No XXXX. On XX/XX/XXXX Declaration of XXXX XXXX XXXX as President of XXXX XXXX XXXX f/k/a XX/XX/XXXX XXXX declared under penalty of perjury the following : 1. XXXX XXXX is no longer engaged in the servicing of residential mortgage loans. XXXX XXXX has no servicing rights. 2. XXXX XXXX also does not own any residential real estate mortgages. As a result XXXX XXXX f/k/a XXXX XXXX XXXX XXXX has no rights to Assignment of Mortgage dated XX/XX/XXXX as its servicing rights and residential real estate mortgages ended on or before XX/XX/XXXX per the Declaration of XXXX XXXX XXXX ( President of XXXX XXXX XXXX f/k/a XX/XX/XXXX XXXX ) The Assignment is dated XX/XX/XXXX and was signed by XXXX XXXX in XXXX County, XXXX. XXXX purports to be a corporate officer ( Assistant Vice President ) of XXXX XXXX XXXX. XXXX XXXX is not and has never been employed by XXXX XXXX XXXX ; she is actually employed by XXXX in its XXXX, XXXX ( XXXX County ) office. XXXX XXXX is a known robo-signer. 1. On CIRCUIT COURT OF THE XXXX JUDICIAL CIRCUITIN AND FOR XXXX XXXX COUNTY, XXXX Case : XXXX, XXXX XXXX in a Motion for Summary dated XX/XX/XXXX submitted a notarized affidavit of indebtedness swearing she was an officer of XXXX XXXX XXXX XXXX , XXXX, Servicer and Attorney in Fact. 2. On XXXX Superior Court Judicial District of XXXX at XXXX, DOCKET NO. XXXX, XXXX XXXX in a MEMORANDUM OF DECISION dated XX/XX/XXXX submitted a notarized affidavit swearing she was the assistant secretary of XXXX XXXX XXXX XXXX , XXXX 3. On UNITED STATES DISTRICT COURT XXXX DISTRICT OF XXXX XXXX XXXX XXXX Case No. : XXXX XXXX XXXX, A substitution of trustee was recorded in which an document was signed by XXXX XXXX, purportedly as Assistant Vice President of XXXX XXXX on or about XX/XX/XXXX 3. To aid in invalid XXXX County mortgage assignments, XXXX XXXX has used all of the following different job titles : Assistant vice president of XXXX XXXX XXXX AKA XXXX XXXX ( XX/XX/XXXX ) XXXX Assistant Secretary of XXXX XXXX XXXX AKA XXXX XXXX ( XX/XX/XXXX ) XXXX Assistant secretary and vice president of XXXX XXXX XXXX XXXX , XXXX, as Servicer for XXXX XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX XXXX, asset-backed Pass-through certificates, series XXXX, under the Pooling and Servicing Agreement dated XX/XX/XXXX ( XX/XX/XXXX ) XXXX Authorized Signer of XXXX XXXX XXXX AKA XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX, asset-backed Pass-through certificates, series XXXX, under the Pooling and Servicing Agreement dated XX/XX/XXXX ( XX/XX/XXXX ) XXXX 4. XXXX XXXX is not listed as an officer of XXXX XXXX XXXX in the XXXX corporate records, nor did XXXX XXXX have offices in XXXX, where the Assignment was notarized. 5. The Director of XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX is currently under Department of Justice court proceeding alleging XXXX engaged in a fraudulent scheme to sell tens of billions of dollars of residential mortgage backed securities from XX/XX/XXXX. Based on the audit of this alleged mortgage loan file the following issues have been identified : 1. The alleged mortgage assignment violates XXXX XXXX XXXX , XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX Pooling and Servicing Agreement filed with the SEC 2. Under XXXX XXXX Trust Law, every sale, conveyance or other act of the trustee in contravention of the trust is void. EPTL 7-2.4. 3. That any sale or transfer of this loan was not conducted in accordance with law and was not a valid sale of this note ; 4. That the claimed holder in not due course of this promissory note and/or deed of trust and is not holding such note in compliance with all laws and is not entitled to the benefits of any payments ; 5. That any servicer and/or sub-servicer of this mortgage after XX/XX/XXXX has not serviced this mortgage in accordance with the terms of this mortgage, promissory note, and/or deed of trust ; 6. That each servicer and sub-servicer of this mortgage after the date of XX/XX/XXXX has not serviced this mortgage in compliance with all laws ; 7. That this mortgage loan has not properly been credited, debited, adjusted, amortized, and charged ; 8. That any charges, fees, and expenses after XX/XX/XXXX is not obligated by any agreement. DATES : I contacted OCWEN the servicer of the loan via phone in XX/XX/XXXX regarding my issues with predatory lending. After months on phone conversations i was instructed to put my issues in writting. On the following dates i wrote to OCWEN attaching evidence of my concerns with Ocwen 's response being they have found no evidence to support my claims. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX as Trustee with my concerns and she directed me back to OCWEN as the servicer. On XX/XX/XXXX I contacted the SEC to report Pool and Servicing Violations there response was ; given the subject matter of your submission, we believe you should also refer the matter to the Consumer Financial Protection Bureau.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/18 I contacted Ocwen loan svcs to pay my mortgage electronically by phone which I have done many times over the past 11 years, however this time it did not allow the call and transferred to a human. The rep on the phone told me my husband needed to authorize me so he did, she then said no he needed to put it u n writing. I then told her I am simply giving you money and not looking for any information i want you to take the mortgage payment directly from my account like you have done for the past 10 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01826
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My ex-husband had deeded and titled the property to me with the agreement he would be removed from the mortgage and be absolved from all responsibility of the property. Upon making the payment as the sole resident of the property since XX/XX/XXXX, I had then submitted proof to GMAC who was the then mortgage holder that I was the sole person responsible for the mortgage. I was then given an assumption by GMAC removing my ex husband from the mortgage statements, tax statements and credit reporting. I had an adjustable mortgage at the time and had been alarmed by a sudden hike in my mortgage in XX/XX/XXXXand had applied for a loan modification. I also had to submit proof I was the sole owner of the said property and was granted a modification as such. GMAC then sold my loan to OCWEN who had initially been sending my tax and mortgage statements with my name solely on the documents. Then suddenly in XX/XX/XXXX, the same year they had taken over. My ex husbands name had started to reappear on my tax statements and then my mortgage statements again. When I addressed OCWEN about this situation they claimed at first they hadn't received all of the documents related to my account from GMAC and it would take months to receive all documents. I waited for many months which turned into years and tried to revisit the situation again. OCWEN then had a representative send me a letter stating they saw the assumption paperwork but since it had not been completed they placed my ex husbands name back onto my account and also started reporting on his credit again. Since this was a violation of our agreement and court decision in Family Court my ex husband has taken action which a Family Court Judge had threatened sanctions on me if I do not correct this issue within 120 days from XX/XX/XXXX. During that prior court proceeding last year dated XX/XX/XXXX, the judge did decide I had shown sufficient proof I had attempted to do what the agreement claimed. My ex husband has since re married and has a mortgage currently with his current wife.
Company Response:
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This complaint is in connection with complaint # XXXX. I have since received paperwork from Ocwen and XXXX Bank that they are trying to foreclose on my house at XXXX XXXX XXXX XXXX XXXX In. The last time I had spoken with XXXX XXXX in Ocwen 's Ombudsman Office, she had said that she was going to check with her superiors to find out what could be done about the {$1300.00} they were saying that I had to come up with before they would start a NEW modification on my mortgage. I was never told or warned about any foreclosure until I got home from work XX/XX/XXXX and found the paperwork! There is also an open case against Ocwen since XX/XX/XXXXof XX/XX/XXXX that I would like to be a part of. Once my case is looked into further, you will find that I qualify and could help the case. Please help!
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2018-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX Credit Reporting on Friday XX/XX/XXXXattempted to call all of XXXX phone numbers in responding toXX/XX/XXXX credit report spoke with XXXX, send in 33 copies Proving Medical ( 2 ) debt was Paid in full over a year ago still remains uncorrected. I have placed security freeze, fraud alerts also have reported they have fraudulent address on my report XXXX XXXX, La neither myself or my husband has never visited or lived in XXXX XXXX, LA! I also reported previously fraud identity issues where someone attempting to purchase a vehicle in XX/XX/XXXX in XXXX, La when we had not even been to that town? I stayed on the phone attempting to get a call through Friday XXXX-XXXX XXXX No departments accepting calls? My social security number was put in about 01 to 19 times to verify identity there should be another form to prove your identity then the call disconnects itself. I call FTC and Consumer Finance.Gov to get a phone number to XXXX where I could talk to a live representative same thing automated requesting social security then disconnects call. Could not get through to the Fraud, Credit freeze All departments same thing? I also called the media to complain due and investigate? I was never connected to a live representative always automated system requesting social security number then disconnects call! That recording no telling how many people had XXXX have my social security number due to automated system? I send in 33 copies XX/XX/XXXX some which provide several bills had been paid in full for over a year and still shows on your reports as owed? I spoke to XXXX onXX/XX/XXXX then sent copies and still no corrections have been applied? Listed under XXXX XXXX XXXX Delinquent account recovery and XXXX XXXX XXXX XXXX XXXX shows balance {$280.00} I have paid {$1000.00} To XXXX XXXX, XXXX fromXX/XX/XXXX-XX/XX/XXXX in which multiple physicians in clinic billed all under same account number # XX/XX/XXXX Medical Bill and sent ( 2 ) certified/ return receipts and no reply or response was sent to me instead reported to collections in which XXXX XXXX , XXXX has reported to collections 12 separate times and has not applied my payments or corrected my balance? They have also requested payments on same billing charges 2 times in which I paid and received no refund or credit? I have filed complaint with supporting copies to XXXX XXXX XXXX XXXX XXXX XXXX, LA. I sent all these supporting copies onXX/XX/XXXX. In last 10 months of Bankruptcy due to fraudulent mortgage not recording payments which I also filed complaint XX/XX/XXXXand took till XX/XX/XXXX until sent response shown no record of payments but, I found error in which they removed from escrow 2 insurance payments 90 days apart totaling {$3600.00} annual insurance is : {$1700.00} Ocwen Loan Servicing paid from escrow {$1700.00} both these amount in 90 day period meanwhile Bankruptcy Attorney had us paying monthly to escrow to pay insurance and also had us pay out of pocket directly to Insurance company also. Bankruptcy paid over {$15000.00}XX/XX/XXXX payment to Ocwen Loan and sinceXX/XX/XXXX to XX/XX/XXXX our principal balance is still at {$72000.00}. ( 23 years later, ) mortgage was also attempting to intimate us into modifying we refused now they are attempting to have us modify our loan again sent paperwork to our Bankruptcy attorney they send modification papers to us and state in letter they did review before sending modification paperwork to us. Motion for property correction in court sinceXX/XX/XXXX and we have received no updates to this motion, from Bankruptcy attorney? mortgage has stated will not correct property description until exit Bankruptcy and court house property description has been filed in court house records corrected since XX/XX/XXXX. Mortgage acquired loanXX/XX/XXXX. Loan # XXXX. Refuses to correct? I want permanently on our record we refuse any modification from Ocwen loan inXX/XX/XXXX and again present date XX/XX/XXXX and do not want any modification. Credit bureau files stated from 2 separate company that we have no open real estate loan and shows {$0.00} balance on real estate XXXX XXXX XXXX, XXXX XXXX # XXXX and Ocwen Loan Servicing, LLC - Loan # XXXX. Have receipts paid to : Ocwen Loan, XXXX XXXX XXXX, And XXXX XXXX all under loan number # XXXX. also have billing issue with XXXX XXXX which asXX/XX/XXXX XXXX class action suite vs XXXX XXXX. Actual amount owed {$19.00} in which they over charged {$50.00} for unreturned equipment in which I have copies XXXX XXXX XXXX tracking number 4 returns, In which returned on 1 issue Tuesday, XX/XX/XXXXThen recharged {$99.00} ( 3 ) months later after returning equipment have XXXX tracking slip proof equipment returned. XXXX Class action suite for over charging customers, kept interrupting services and attempting to charge from XX/XX/XXXX to XX/XX/XXXX services were stopped XX/XX/XXXX and XXXX put in their system false date of XX/XX/XXXX. Delayed sending return slip from XX/XX/XXXX toXX/XX/XXXX then attempting to charge and had no services afterXX/XX/XXXXXX/XX/XXXX. In XX/XX/XXXX called me continually doing repeatly while on Do not call list for 5 years now. I have recorded multiple conversations one of which I stated do not call or contact me for promotions and no other calls, no exceptions. I also have 30-40 e mail proof of incident records, XXXX stated as receiving no payment inXX/XX/XXXX I have their e mail payment confirmation on that payment and many others as proof. Sincerely Yours, XXXX XXXX On TueXX/XX/XXXX at XXXX XXXX XXXX wrote : XXXX To ensure that youll receive emails from us, please add XXXX to your address book. To unsubscribe or change your preferences, please click here. Privacy Policy XX/XX/XXXXXXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX. XX/XX/XXXX XXXX, Inc., an XXXX company. All rights reserved. XXXX XXXX XXXX XXXX TX, XXXX, US XXXX Also unable to login to CFOB and has nit sent in new login link after several request by e mail and on phone?
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have called Ocwen 's Office to no avail. I have sent letters, one has come back as return to sender not deliverable addressed unable to forward, I used their address that is listed and provided on my credit report. Please see attachment. Ocwen is reporting 2- 30 day late on my credit report, although they removed it from my XXXX Credit Report on XX/XX/2017, it still remains on my XXXX and XXXX . The 2- 30 day late ( 1 ) payment was made on a Sunday through the automated system, and the second late payment was made on XX/XX/XXXX. If you get int touch with Ocwen would you mind sharing the attached letter. Thanks and have a great day!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2018-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A