Date Received: 2018-04-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX. The loan in question is under my husbands name XXXX XXXX XXXX. I have authorization to speak on my husbands behalf concerning the mortgage loan with Ocwen, and this is well documented with the loan servicer. After going through hurricane Irma in XX/XX/XXXX and experiencing a hardship due to an unexpected change in our financial situation, my husband and I subsequently fell behind on our mortgage payment, beginning with the XX/XX/XXXX payment. After falling behind almost 3 months, we received a letter from Ocwen sometime in XX/XX/XXXX, suggesting that we contact the Florida Hardest Hit Funds ( HHF ) for assistance. We contacted the HHF immediately. We have since been approved for the Florida Hardest Hit Program ( and/or MEP program ), who will assist us in getting our mortgage reinstated. However, it took up until XX/XX/XXXX before the process was completed. During that time, Ocwen Loan Services did not want to accept any mortgage payments from us, until the reinstatement amount has been paid in full. The reinstatement amount on the latest mortgage statement is {$5100.00}. However, when the HHF contacted Ocwen to get the reinstatement amount for our mortgage, Ocwen informed the HHF ( MEP ) program that the amount to reinstate our mortgage would be {$11000.00}. This is an additional amount of {$4600.00}! Immediately upon learning about the additional fees, I contacted Ocwen. On XX/XX/XXXX, at XXXX, I had an appointment with our Relationship XXXX, XXXX XXXX. XXXX XXXX was able to break down the fees as follows : Transmittal {$250.00} Foreclosure {$1300.00} Total {$1600.00} Incurred Fees {$1000.00} Estimated Costs Recovery {$1900.00} Recovery Dismissal {$27.00} Complaint {$960.00} Service {$1000.00} Total {$4900.00} *Note : I just notice that these fees come out to be more than the {$4600.00} discrepancy that my husband and I was inquiring about. However, that may be because of an error in transcribing the information ( but I doubt it, because I did repeat the amounts once I wrote them down. XXXX XXXX has also requested this same fee breakdown ( itemization ) to be sent to him in writing from the Ocwen Research Department, where he faxed a letter making this request to ( XXXX ) XXXX-XXXX. However, when the Ocwen Research Department provides us with that written break down ( or itemization ) of the fees charged, it is not enough that they simply just provide us with the same breakdown that our relationship manager gave us. We need to know how these fees are being justified, as we believe them to be excessive, particularly, since we were able to avoid foreclosure by contacting the Florida Hardest Hit Funds. Incidentally, on the third page of the mortgage statement I have attached, it clearly states the following : Your account has not been referred to an attorney for foreclosure. Also, please notice that the above entry of our mortgage statement ( XXXX ) was not written in bold writing. Therefore, we want to know if these additional fees were necessary, fair, and accurate, and as such, we would like Ocwen to please explain or show that these fees are justified, as we intend to dispute these fees if they are found to be unnecessary, unfair, and therefore excessive.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To whom it may concern, I was hoping that you could help me with my current situation. Brief story is, back in XX/XX/XXXXI fell on some hard times, like many people back then I had filed for bankruptcy, divorced, and was ready and willing to loose my home. I Had it up for a short sale in XX/XX/XXXX, when XXXX XXXX XXXX XXXX ( the original mortgage holder ) went belly up. Since then the loan was sold to different lenders and now Ocwen owns the it. I have tried in the past for a re modification loan with no prevail. It has been over 10 years now that I have resided in this house and been maintaining it without any help from Ocwen. They do however send me a monthly statement now stating that I now owe over {$350000.00}. This can not be legal, and would appreciate it if you would help me with all of this. I can't sell the house nor can I just walk away ( like most had ) or even consider buying a house even with a credit score of over 800. The more I reach out to people the more I find out that I am not the only one. I would like for CFPB to investigate further into the original documentation from the original mortgage taken out with XXXX, XXXX XXXX XXXX ( XXXX ) It has been so long ago that I honestly don't remember but I may have taken out a home equity loan to do much needed repairs to the home. New roof, windows, siding and bath remodel. I have already filed a complaint through my local Senator XXXX XXXX, who forwarded everything to you folks who in turn just forwarded it to Ocwen and then just closed the case without any further investigation. I would like to receive the original documentation from XXXX who I'm sure you are aware of the circumstances involving their fraudulent charges brought against them back in XX/XX/XXXX. Thank you for your time, XXXX XXXX
Company Response:
State: ME
Zip: 04240
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: The Trust you claim you are representing does not exist. Delaware has certified that XXXX XXXX has not complied with Title 12, and is therefore nor recognized as a valid trust. The Secretary of State in Delaware has no record of this Trust ever being registered, and therefore is not recognized by the State. This is a rogue Trust. You can not foreclose in either a non judicial or judicial foreclosure on behalf of a faulty, rogue trust. 2. AHMSI ( and by continuation you as their successor ) admitted in XX/XX/XXXX when I requested the funds transfer information on the alleged Mortgage originator All Fund mortgage that there was no record of them funding the load available starting at minute 12 in the recording when I asked to speak with a manager. When asked they admitted that that All Fund never funded the loan, and that in all probability it was Table funded with funds from the Investor Pool That invalidates the loan, as the legal definition of a Loan Agreement means a written agreement between a Borrower and an Eligible Lender for consideration. Since All Fund was not the true lender, there is no agreement, and no date of consummation. Further Table funded loans, according to Reg Z of the Federal Reserve, are predatory loans per se, and the loan is therefore invalid. I have made repeated requests for copies of the wire transfers involving the origination of this loan, and you have failed to respond. 3. Your unwillingness to provide proof of the consummation date and alleged wire transfers from All Fund demonstrated the loan was indeed predatory, and I sent a notice of rescission as the law allows. You received notice of my TILA rescission of the above alleged debt on XX/XX/XXXX by XXXX certified mail. By operation of law the underlying transaction/note are void at the moment I mailed the notice per TILA. See XXXX v XXXX XXXX Supreme Court. No party with standing filed action to challenge the rescission within 20 days as per the Statue, and are now time bared. Failure to challenge leaves the rescission now binding on all parties, and implies acceptance of the rescission by the party in standing. You are taking an Illegal action on a voided note/mortgage which was agreed to by whoever the party in standing is as evidenced by their taking no action and are in violation of federal law. 4. You have falsified your accounting to appear to be inside the Washington 6 year statute of limitations regarding the collection of alleged debt RCW XXXX. You claim a payment from me on XX/XX/XXXX for {$63.00}. This is a complete fabrication and falsehood. I deny ever sending you these funds. You are time bared from any action on this alleged debt due to being past the 6 year statute of limitations. This is in addition to the note/mortgage being void. You have attempted to falsify your records to avoid this fact. 5. AHMSI ( and by continuation you as their successor ) admitted in XX/XX/XXXX to using fraudulent documents in an attempt to foreclose on this property in a phone conversation with me. The representative then canceled the sale scheduled for the following day, and rescinded the Trustee Sale notice in the county records. You are using the exact same documents and are thereby committing fraud. 6. You received my notice to cease harassing phone calls and to only communicate by mail on XX/XX/XXXX by XXXX certified mail. You failed to cease and continued to call up to 4 times a day numbering the hundreds of occurrences.
Company Response:
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I recently applied for a home equity loan and during a title search found an error from a previous lender. I refinanced a first mortgage and home equity line of credit with GMAC in XX/XX/XXXX. Both the first mortgage and home equity were consolidated into one mortgage loan at this time. In XX/XX/XXXX, three years later, GMAC submitted a lien for the home equity which had been satisfied. I am having trouble receiving a satisfaction letter to remove the lien because GMAC is no longer in business.
Company Response:
State: NY
Zip: 12533
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Troubles Ocwen Loan Servicing, the white collar crime operation, and its outside attorney XXXX XXXX are offering me hundreds of thousands of dollars in a increased balloon payment loan modification with thousands in increased bogus mortgage payments to embezzle my property to increase its revenue. I will provide the court with evidence of the pretender lender loan servicers years of embezzlement crimes and I will bring in my law enforcement witnesses and physicians who will testify under oath which will bring the white collar crime pretender lender loan servicer to justice. Discovery is happening very soon : ) I am still waiting for the questionable CFPB agency to take enforcement action against Ocwen Loan Servicing, the pretender lender loan servicer that has many years of white collar crimes swept under its smelly carpet. I reject the fraudulent loan modification attached.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Re : XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX CA XXXX I am a renter in a house XXXX XXXX illegally foreclosed on. They then tried to illegally evict me, despite a 5 year lease. Under Federal and CA state PTFA, I have the right to live out my lease. They left me responsible for hundreds of thousands of dollars in repairs, and nearly $ 100K in attorney fees. This house is dangerous and should be red-tagged, despite all my repairs. During this process I discovered they stole the loan and the house. They withdrew their eviction. Now, they owe me money. I have been trying to get the money they forced me to pay on their behalf since I reside in a house full of issues, since XX/XX/XXXX. Meanwhile, the former owner sued for Wrongful Foreclosure in XX/XX/XXXX. I filed two CFPB complaints to highlight the issue - # XXXX and XXXX. They responded I did not have " standing '' which is the right to bring the complaints, even though I have been damaged by XXXX XXXX XXXX illegal activity. They then copied the former owner, in a violation of my privacy. THE FORMER OWNER IS NOT PART OF MY COMPLAINT AND XXXX XXXX HAS BEEN TOLD TO STOP COPYING HER AND HER ATTORNEY AND THEY DID IT AGAIN. My personal situation on this house, my PO Box , and the details of my claim against XXXX XXXX are none of the former owner 's business. Not only that - they used the wrong PO Box , sending my personal information to someone else. I informed them, and they did it again. They are violating my privacy. Just like they stole millions of identities ( including for my own kids, separate issue ) -- they now have no regard for my privacy an willy nilly copy people not a part of my complaint against them.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: OCWEN LOAN IS ATTEMPTING TO FORECLOSURE ON a property that i am the administrator of the Estate.They are using a assignment that is robo signed and fraudulent. I mailed a QWR and they have not responded. the assignment was created after the cut off date of the trust in the pooling and services agreement. listed with the United States Securities
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This complaint has not been thoroughly reviewed. The concerns have not been addressed : OCWENS excuses will not suffice in the face of " RESPA ''. My concerns at this point is that this complaint be reviewed by HUD and the CFPB for RESPA violations. That these transactions be thoroughly investigated by both agencies. OCWEN has had several opportunities to correct servicing errors and provide information that should have been provided XX/XX/XXXX. I have made several calls to XXXX XXXX without a return call. This situation needs to be escalated to his attention. You are obviously not aware how serious this situation is and you can't just sweep it under the rug by transferring this loan to XXXX XXXX/XXXX XXXX, who has their own history of servicing errors. I should have been notified that you were transferring my loan in XX/XX/XXXX. You returned my XX/XX/XXXX payment another " RESPA '' violation, sec 6. " RESPA '' states to continue to make all payments to OCWEN until OCWEN resolves this complaint. This complaint has not been resolved. You did not fully disclose information that should have been disclosed. OCWEN is now continually trying to retaliate because information became available to me that should have been routinely and procedurally provided to me. You never provided the documents until after the dates specified. This when the original documents were sent to an attorney who was no longer my attorney XX/XX/XXXX. XXXX XXXX never listed OCWEN in my account which caused a whole set of other problems. I provided documentation very early on before the loan process in regards to this. The modification documents were sent to XXXX XXXX only and had to be sent to me at a later date than you required. That is why my first payment was not on XX/XX/XXXX, XXXX. You never provided the final documents after the payments were made as promised before XX/XX/XXXX. You can't sign what you don't receive. I continued to make the payments 5 until I finally found someone to correct the problem. I spoke with several individuals and only one person admitted that everyone there did not know what to do or send. Once the papers were sent well after XX/XX/XXXX they were signed notarized and returned once received. OCWEN made the same mistake twice XX/XX/XXXX and XX/XX/XXXX. Once again OCWENS servicing error. OCWEN was supposed to tell me they were going to transfer my loan XX/XX/XXXX during the loan process XX/XX/XXXX, not XX/XX/XXXX, again a violation of RESPA. OCWEN only decided to transfer my loan when I questioned information that was supposed to be disclosed to me not discovered by me. When I pointed out OCWENS servicing errors you started requesting information on the estate of my deceased daughter before you could speak with me. Documents that had already been provided to OCWEN, after 5 payments had been made to OCWEN. I received 3 more packages after I had sent the signed and notarized document to OCWEN? No one knew what they were doing. I don't believe that you don't or didn't know what took place. This is how OCWEN has always done business. OCWEN never provided a documented breakdown of thousands of dollars over and above the principal balance, another RESPA violation. It was never explained whether monies were to be forgiven once the trial period was over as some relationship managers were saying or the later introduced balloon payment. Everyone was asking where did I get the information? Someone obviously knew to provide that information and I am sorry you are angered and trying to punish for my receiving the information. The time to provide this information was XX/XX/XXXX not XX/XX/XXXX as you state, another " RESPA '' violation. OCWEN has not and did not provide a complete break down of the amounts going into the loan. XXXX XXXX/XXXX XXXX is not going to know what that break down is? I welcome the opportunity to have thoroughly reviewed OCWENS " RESPA '' violations. That's what is needed at this point. This is the concern raised. Your records reflect that you have been accepting my payments and I am requesting that XXXX XXXX be apprised of this situation regarding my deceased daughters ' account, The Estate of XXXX XXXX. I have been making payments to this account. You accepted my payments in my name. You received a completed assumption package in XX/XX/XXXX that changed the account into my name. You knew the status of the account and you sent me the package. I followed all instructions which were under my control. The signed Loan Modification Agreement was never sent until after the required date of XX/XX/XXXX. The modification offer was withdrawn in error. These are servicing errors and " RESPA '' violations created by OCWEN that OCWEN has to correct or resolve. Not XXXX XXXX/XXXX XXXX. Documents were only mailed to XXXX XXXX and not myself XX/XX/XXXX and I made it clear to XXXX XXXX time and again and in writing, that XXXX XXXX no longer represented me. XXXX XXXX formed a relationship with a para legal in XXXX XXXX office and compromised my personal information. If you had investigated you would have found that you made a servicing error one of many. If Ocwens mission is to help homeowners why would you rescind an offer that you failed to respond properly on? You did not timely provide documentation as promised as you claim. Everyone knows OCWENs reputation and you have denied everything because you can. The files need to be examined to get to the truth. I am addressing this situation as violations of " RESPA ''. OCWENS response has not addressed these " RESPA '' violations.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: It started out that we put our house up for sale and received an offer on XX/XX/XXXX. We signed the offer and we were set to close escrow in 25 days. Making it possible to buy the home in Oregon that we had already made an offer and it had been accepted. The title company started doing there diligence shortly after and requesting payoffs from my Mortgage companies. My first loan is held by Ocwen bank. Ive had my loan with Ocwen almost 11 years and they have been very difficult from the beginning. In XX/XX/XXXX, my loan was set to go up to some crazy high interest rate due to loans back then being very awful! I had called and called Ocwen begging them to please help! They just kept putting me on hold and said I could try to get a modification and to fill out the paperwork. That was a nightmare!! Horrible experience!! Lots of time on phone with Ocwen just to be told they never received my paperwork or it was incomplete. It was one thing after the other. But just kept getting the run around for months! I went to an all-day seminar for people trying to save their homes. This was when a lot of people were forced to foreclose on their homes and the banks refused to help. Well in the end of this all day event. I learned that Ocwen would never approve my modification unless I missed at least 2 payments! That's right. I had to miss 2 payments first before they would even consider my loan. They said at this seminar. If you make your payments the banks assume you can still afford it and they wont modify your loan till you show you cant afford it by missing payments. Crazy!! So that's what I did and 2 months later I finally got a modification. Praise XXXX! The modification that I got with Ocwen was called a SAM modification. Only offered with OCWEN! It was basically them reducing the balance of my loan to what my house was worth at the time and they said they would forgive the difference. I received tax forms to fill out and show this forgiven amount over the next 3 years. I had to make every payment on time for 3 years or I would forfeit the modification. I of course made all my payments on time from then on. But in the contract it said when I go to sell my house, they would get 25 % of the appreciation value but to never be more than the forgiven amount. Also they would recognize certain improvements made to the property after modification. They would minus these improvements from the amount owing. So now that brings us to today and us waiting for this payoff from Ocwen so we can close escrow at the end of the month as stated in the purchase agreement. But now we are again waiting for Ocwen to give us a payoff! The title company 1st requested the payoff on XX/XX/XXXX and Ocwen replied with an email on XX/XX/XXXX stating they needed an appraisal or a final purchase agreement 1st because this was a SAM modification and they needed to know the value of home. So of course the title company emailed them the purchase agreement ASAP and waited. And waited. Ocwen then sent out an email on XX/XX/XXXX stating they are working on a payoff and it would take additional time and expect delays. What? How long could this possibly take? Iam thinking? They have the purchase agreement and what could take so long? We included some receipts of big improvements we have done to house. All with receipts and dates and amounts. Very clear! But they are insisting on calling every contractor to verify work. Even with a receipt. Of course they leave a message and tell them to call the XXXX # and hold. No contractor has time for that? Its a dirty rotten plan to post pone a payoff and to not have to credit the customers for their improvements. We are waiting for this payoff to be able to finalize the sale of our home. We only have a few days left and the buyers will walk if we cant close escrow! I ve explained this to Ocwen over and over and still nothing? We need help! And Fast!!
Company Response:
State: CA
Zip: 95124
Submitted Via: Web
Date Sent: 2018-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: why didn't this company ( ocwen ) show you all the history of the payments that they have since XXXX and how is it possible that a company not know that they paid a year early of taxes NO I do not accept there response this company needs to show you proof of all the transaction of payment history they have done in my loan since XXXX where it goes from XX/XX/XXXX is where the loan went from XXXX to XXXX, plus and then XXXX, plus on the prior principal balance when it should of keep going down from XXXX because each month a payment was being paid the principal balance should of gone done.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A