Date Received: 2018-04-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX Hurricane Irma battered Florida as a category 4 storm and hit my property at XXXX XXXX XXXX XXXX XXXX, FL. We were left without power for over ten days. Tornado 's struck around my property damaging my pool, pool pump, pool heater, salt system, electronic controller, valves, and actuators. Leaving the pool inoperable. All of which had to be replaced due to Hurricane Irma. The sprinkler pump was also damaged and does not work. The air conditioner had to be replaced. My garage door does not work and the door was damaged. My XXXX grille does not work. The gutters flew off the house and into the pool leaving the water black and full of tree debris which had to be cleaned and acid washed. In the pool we also found a hydraulic leak in the jacuzzi due to the pressure from the storm surge from the lake. I have roof leaks through out all three non-master bedrooms rooms and bathroom on the south side of the home. I have leaking in my hall and hall closets that has ruined the wood floor in the closet and living room. The wood floors run throughout the house. I have wood damage in multiple rooms due to the roof leaks throughout the house caused by Hurricane Irma. The house sat for over a week with no air conditioning causing mold to develop in the drywall everywhere the roof leaked throughout the house and in the air conditioner vents due to the extremely hot summer weather. You can smell the mold when you walk into the house everyday for the past five months. I have a wife and XXXX kids and we have to breathe in these mold spores everyday. Ocwen Loan Servicing LLC is my loan servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX is my insurance carrier. On XX/XX/XXXX over three months after my claim of Hurricane Irma damage XXXX XXXX XXXX denied my claim # XXXX Stating that the claim # XXXX from a hurricane two years ago addressed the issue of this New Hurricane, Hurricane Irma which hit XX/XX/XXXX. Now my neighbor next door and three other neighbors on my street have all received checks from their insurance companies and have already replaced their roofs while my house continues leaking and growing mold. I have payed well over {$150000.00} for homeowners insurance on this house and if a Hurricane hits I would think that at a cost of over {$6000.00} a year for insurance, my insurance company would have to pay a claim in the event damage was caused to my house due to a hurricane. Ocwen claims that I pay insurance through my escrow account yet they call it lender placed insurance and claims it does not pay the homeowner in the event of damage to their house. Which makes absolutely no sense. XXXX XXXX XXXX has honored multiple claims for me on damage and payed tens of thousands of dollars in claims for this property over the years which is the norm when damage occurs on high end properties over time. I have had professional licensed contractors and roofers estimates for the the damage which totals over {$100000.00}. My contractor has given me a quote of {$88000.00}. My roofer has quoted the new roof costing {$32000.00}. Air conditioner bill of over {$20000.00}. I have spent over {$10000.00} repairing the pool equipment and have another {$10000.00} to go to fix the damage to the diamond brite and lighting system of the pool. The sprinkler system is {$2000.00}. Gutters {$2000.00} and XXXX grill {$890.00}. I appreciate any and all help you can provide in resolving these issues in an appropriate and timely manner. Thank you.
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX I got a loan from XXXX and was having the monies auto-draft from my account until my monies went from less than {$850.00} to more than {$2300.00} in XX/XX/XXXX. I was trying to get a lawyer to help me with this crazy increase for the 18months I had this load before I was advised to give it up, because the housing market was going crazy and no one had any answers. So, I let the house go into foreclosure. In XX/XX/XXXX, I received an application from the Virginia Attorney General telling me that I was owed my money back and I had to fill out this application and e-mail it back to them. I did this and have been waiting for my monies every sends. By XX/XX/XXXX, Virginia got XXXX XXXX dollars to refund monies back to people that lost there home from the loan scam and I didn't get a check. I called the Attorney General office and after no clear answers to my questions, I moved to XXXX to see what happen to my check. It wasn't until XX/XX/XXXX that some one at the Attorney General 's office informed me that XX/XX/XXXX participants was cut out of the deal between XXXX XXXX XXXX for the loan scams to pick-up loans from XX/XX/XXXX and up. I asked them where does that leaves me. No one had an answer at the time and told me to keep in touch to learn how XX/XX/XXXX was going to get compensated for their refund. I have done just that up until XX/XX/XXXX when the Attorney General allowed Lawyers to help out people that had not got their monies back. I contact a lawyer whom was referred to me by his daughter whom gave me his cell phone number in XX/XX/XXXX. He gave me his office number and ask me to make an appointment. I complied and after we met he ask me " XXXX what you going to do with all that money? '' I didn't reply because it was a bias question. He dismissed me and told me to call him the next day. I called him and he said that he was not going to take my case. So, I wrote to Washington D.C. to President Obama and ask for help. They sent me information to contact someone and they gave me the same lawyer. I contacted XXXX XXXX housing and they sent me to the same lawyer. I contacted the County of XXXX and they too gave me they same lawyer. For the last few years I have been trying to get someone to help me with my case and was told that that was the only lawyer around here that handle that kind of case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2018-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I live in Texas in an area effected by XXXX XXXX. My mortgage company, Ocwen called me in lieu of this disaster and offered me a disaster forbearance. I was told at the time of the forbearance that there were no criteria or qualifications for the forbearance except to request it. Repayment on this forbearance were set to start in XX/XX/2018, but Ocwen had not completed the review of the of the application for the forbearance. I was told to wait until the review was approved to make payments. Each month that went by Ocwen 's website changed my payment date to the next month indicating no payment is currently due. I was called in XXXX and told that I did not qualify for the disaster forbearance and was not given a reason why. I spoke with several representatives and they were all confused as to why I had not been approved as I was repeatedly told, they didn't know why it wasn't approved as there was no requirements for documentation of income or anything needed, it should have been approved. I was told at this time that Ocwen would request a traditional modification and I needed to submit documents for this purpose. I have submitted all necessary documents. I attempted to submit a payment to them on today XX/XX/2018 and the payment was refused and I was told that they could not submit a payment d/t the account being behind. I was told that my account would not be late or counted against me until the review was complete. I feel as if the assistance that was provided for me was to get me into a vulnerable state and then try to foreclose on my home.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: From Januart of XX/XX/XXXXuntil XX/XX/XXXX XXXX XXXX XXXX XXXX reported my account as late when I was trying to catch up on payments. I attempted on many occasions to complete there mortgage adjustment process and apply for government assistance process and was consistently met with artificial obsticles and unhelpful support staff at Ocwen. They were never able to successfully qualify my account for assistance because of all of the red tape and obstacles created by their process. Additionally, in 49 states they have reached a settlement because of this abuse of customers. I have contacted Ocwen multiple times both in writing and by phone and inly get an automated response. I believe given their universally observed negligient behavior these late payment marks should be removed from my credit report.
Company Response:
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My realtor representing the me, XXXX XXXX of a property financed through Ocwen. we both would like to file a complaint regarding the misinformation that was given to my client regarding doing a short sale for XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I the owner, was informed to submit Hardship package on XX/XX/2018, which she did. I then contacted regarding a Loan Modification, which I could not do due to my finances. On XX/XX/XXXX, I received a letter stating that since I would not be able to do a loan modification that I would be able to do a Short Sale. XXXX days later I received a letter stating that I could not do a short sale due to Foreclosure date ( XX/XX/2018 ). And I received from XXXX that the short sale documents that they received were denied. I shouldn't have received an email from XXXX, because I'm not an agent and no documents had not yet been submitted to the bank by my realtor. I was also informed that I could do the short sale and was never made aware that a foreclosure date was set for XX/XX/XXXX. I was also informed that she had to get the short sale documents by XX/XX/XXXX and they missed informed me on which documents to send in. This was all coming from the Relations Manager. We submitted an offer on XX/XX/XXXX and have been going through the process of doing a short sale. A BPO was even done. Up until this day, my realtor has been missed informed by XXXX overseas regarding amount to pay to stop foreclosure and finally was allowed to speak with someone in the US who gave my realtor the proper information regarding amount that was needed to stop foreclosures. My realtor was also able to understand her better.
Company Response:
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I sent an email to our account relationship manager, XXXX XXXX, on XX/XX/XXXX requesting a copy of the amortization schedule that matches the amortization table in the loan modification schedule on page 9. Per the loan amortization schedule and mortgage account statement, principal balance is {$570000.00}. The table in the loan modification on page 9, principal balance is {$530000.00} from XX/XX/XXXX to XX/XX/XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Ocwen loan servicing is my Collection co. In XX/XX/2017 i get a Eligibility Request form for either XXXX XXXX XXXX or XXXX XXXX XXXX Get a check for over 1,1oo . I am one of many in NY State who got this. Because I submitted a complaint to the NY ST Attorney General 's office. Ocwen says not elligible for no more . Fund started at XXXX XXXX. Then I'm on a list real guick an see its up to 2.1 billion. Already been contacted by XXXX XXXX. No one is going to take my mtg with my current fixed rate of 2 % except I have a balloon payment on. Our last correspondence to Ocwen until I accepted verbally over the Phone was nearly 17 months. Why so long for the offer I took. I was close in doing a reverse MTg. Was told they don't do XXXX XXXX. the numbers were around 225k. 17 months later Principle is now over 280. I send in a hand written letter accepting. 2 checks etc. Talking to someone with a deep accent ( XXXX ) i can't understand everything being said. I just listen an agree. Should have talked to someone who spoke better English. They deposit all checks etc. I get the paper work in the mail to sign an see a balloon payment to sign. Then I knew what I was told over the phone.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have an escrow account with OCWEN on our home loan to pay tax and insurance. It is a new loan and we forgot they pay our taxes and we paid the County the taxes. When OCWEN sent tax payment to County the payment was returned to OCWEN because the tax bill ( {$2300.00} ) had been paid. We contacted OCWEN to get refunded this overpayment, which sits in our escrow account. They refuse and instead say they are making an adjustment which is actually charging us MORE each month for 49 months ( see attached letter )! It makes no sense. We do NOT want to have an adjustment on our monthly escrow to absorb this overpayment, we want a simple refund so it is not confusing, plus {$2300.00} is a LOT of money to us and we need to be reimbursed.We need our money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94401
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: A mortgage held with OCWEN Loan Servicing was paid off by my credit union. At the same time OCWEN withdrew the next payment from my bank, although that amount was included in the payoff. The credit union contacted OCWEN who acknowledged they were holding funds not due to them, and said they would try to expedite the return of the money. Two weeks later, with no funds received back, I contacted OCWEN, received a huge run around, and finally I was told they would send my funds back after 20 business days had passed. They knew the amount due two weeks ago, but would still hold them until they elected to send them back. They couldn't provide me with any document I had signed authorizing that delay, could not show me a notice I had signed indicating that funds could still be withdrawn, though not due, until I notified them to stop taking money from my bank, and they could not provide me with any legal reference that allowed them to continue holding my funds. Finally, they refused to make any effort to expedite (? ) the return of my funds. The amount due back is {$1400.00}. I discussed this with employee ID XXXX, who told me there was no record of a contact on theXX/XX/XXXX, and XXXX who had full documentation of that conversation.
Company Response:
State: CA
Zip: 92679
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hi. We have been paying the mortgage since XX/XX/XXXX. The actual loan amount was {$130000.00}. We have paid, with no escrow, {$860.00} a month with a 6.8 % interest on the {$130000.00} since XX/XX/XXXX. We couldn't afford the 15 year term, it would have been over {$1000.00} a month. We didn't buy a new house, we bought home where we grew up. One of my brother 's wanted his cash share, so we had to take out a mortgage. I have XXXX brothers. My other brother signed the house over to me. In XX/XX/XXXX, I figured we had finally paid off what we actually borrowed plus {$10000.00} to the mortgage company. You see, 6.8 % of {$130000.00} is about {$10000.00}. The whole out of our pocket money amount we have paid the mortgage company is {$140000.00} for {$130000.00} needed. So, if I go online and check the bill it states we still owe {$100000.00}. In XX/XX/XXXX I filed for a loan modification and was accepted. They never told me what the terms of the loan modification was going to be. I went through the trial period. I finally got the formal papers to sign the loan modification. Remember we have a lien on our property and it is scary. I figured whatever the mortgage company tells me to do, I should do it. I was hoping they would just cancel the rest of THEIR DEBT I supposedly owe. I would like to add finance charge to the extra amount I have been paying them because we paid back the exact amount we borrowed and some. I want 6.8 % of the {$10000.00} plus of which we didn't owe. Okay? Anyway, the modification included escrow, a drop from 6.8 % interest to 3.8 % interest and, low and behold, a balloon payment of {$32000.00} after the loan is paid in full in the year XX/XX/XXXX. Plus, we have to pay about {$100.00} more than the {$860.00} per month. The escrow includes the house taxes and the house insurance. You see, since XX/XX/XXXX until the year XX/XX/XXXX, we will be paying all interest. I also noticed they added about {$5000.00} to the principle during the loan modification which made the total principle due to be {$100000.00}. I looked at the first payment and how it was split up on the bill. The mortgage company subtracted about {$1.00} from the principle and the rest went to interest charge, and then {$300.00} went to the escrow. XXXX DOLLAR AND XXXX CENTS? subtracted from the {$100000.00} principle they say I owe after the loan modification. Right now if you add the balloon payment of {$32000.00} and the {$100000.00} which equals {$130000.00} is more than we actually borrowed. I have never complained to the mortgage company. I asked for the loan modification after I was sure we paid what we actually had borrowed, the {$130000.00}. I figure the escrow is the least they can do by paying the taxes and house insurance out of my money. Isn't that a lot to do? We have been in the loan modification since XX/XX/XXXX and it is XX/XX/XXXX. Just think if we have to pay the mortgage company until the year XX/XX/XXXX, we will be paying more than twice the amount we borrowed plus {$32000.00}. I am in shock and I wish somebody would tell them to go away because we paid back what we borrowed. There is no sense to refinancing. I am home where I belong. I can't afford to go to church. We were not in default of payment to go into the loan modification.
Company Response:
State: RI
Zip: 02879
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A