Date Received: 2018-03-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I am XXXX XXXX. My property at XXXX XXXX XXXX, XXXX XXXX, Arkansas is being attempted, to be foreclosed on by Ocwen Loan Servicing, LLC. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. The alleged account number is XXXX, I own this property outright and is in my possession. There is not anything owed on it. I was given an IRS XXXX form for settlement in 2016 ( see attached ). Ocwen XXXX XXXX, XXXX. is harassing me by calls, letters, and statements, etc ( see attached ). for approximately 2 years on paying a debt which does not exist. Also, Ocwen Loan Servicing LLC.has not released any property liens. I request they release these liens because property is paid off ( no balance remaining ). My contact number is XXXX XXXX XXXX please send all correspondence to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arkansas XXXX.
Company Response:
State: AR
Zip: 72113
Submitted Via: Web
Date Sent: 2018-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX XX/XX/XXXX Payment {$750.00} XX/XX/XXXX XX/XX/XXXX Suspense Payment {$750.00} XX/XX/XXXX XX/XX/XXXX Payment {$750.00} XX/XX/XXXX XX/XX/XXXX Payment {$730.00} XX/XX/XXXX XX/XX/XXXX Payment {$730.00} XX/XX/XXXX XX/XX/XXXX Payment {$730.00} XX/XX/XXXX XX/XX/XXXX Principal Payment {$20.00} XX/XX/XXXX XX/XX/XXXX Payment {$730.00} XX/XX/XXXX XX/XX/XXXX Principal Payment {$20.00} XX/XX/XXXX XX/XX/XXXX Payment {$730.00} XX/XX/XXXX XX/XX/XXXX Deferred Principal adjustment - REV ( {$110000.00} ) XX/XX/XXXX XX/XX/XXXX Deferred Principal adjustment {$110000.00} XX/XX/XXXX XX/XX/XXXX Payment {$750.00} XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$750.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$720.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$720.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV {$1200.00} XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Suspense Payment - REV ( {$770.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$280.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1100.00} ) XX/XX/XXXX XX/XX/XXXX Suspense Payment - REV ( {$1100.00} ) XX/XX/XXXX XX/XX/XXXX Suspense Payment - REV ( {$1100.00} ) XX/XX/XXXX XX/XX/XXXX Payment {$750.00} XX/XX/XXXX XX/XX/XXXX Payment {$750.00} XX/XX/XXXX XX/XX/XXXX Payment {$720.00} XX/XX/XXXX XX/XX/XXXX Payment {$720.00} XX/XX/XXXX XX/XX/XXXX Payment {$720.00} XX/XX/XXXX XX/XX/XXXX Payment {$720.00} XX/XX/XXXX XX/XX/XXXX Deferred Principal adjustment {$58000.00} My XX/XX/XXXX was placed in escrow. According to XXXX, ID # XXXX, the payment was increased for XXXX to {$930.00} from {$750.00}. This is an increase of {$180.00}. There has not been an increase in my taxes or insurance. Ocwen has been paying my taxes late. As a result, late fees and interest was charged. Since Ocwen is negligent, I should not have been charged for these payments. If I was paying my own taxes and insurance, I would not be charged for these. Therefore, Ocwen should be paying for the late fees and interest and not forward these to me. Ocwen accessed my taxes on XX/XX/XXXX for {$790.00}, however, the XXXX of XXXX, NJ charged me {$720.00} on XX/XX/XXXX. Ocwen escrow for XXXX for {$4600.00} ( when my actual charges are {$4400.00} ) showed that I was accessed Principal- {$160.00} ; Interest- {$240.00} ; Escrow {$430.00} for a total of {$840.00}. My actual charges for insurance is {$1400.00} & taxes- $ XXXXX4= {$2900.00}. There has not been an increase in my taxes or insurance. As such, Ocwen has OVERCHARGED ME {$220.00}!!! XXXX, Escalation Mgr. ID # XXXX, told me I could close the escrow account by writing to them, since they were not paying my taxes and insurance in a timely manner. The address provided was XXXX XXXX. Ocwen Loan Servicing LLC attn XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, Florida, XXXX It should be noted that I have a fixed mortgage. Original Principal Balance {$310000.00} Current Principal Balance {$59000.00} Loan TypeFixed Rate Interest Rate ( % ) 4.875 Escrow Balance {$870.00} Length of the Loan ( Months ) 361 Origination Date XX/XX/XXXX Maturity Date XXXX/XXXX/XXXX
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This is the second complaint to the CFPB on this death/assumption/modification closing. To date OCWEN has only retaliated for my complaint by changing the terms and transfering my deceased daughters loan which had been transferred to me, back into her estate? The loan was transferred to XXXX who is now requesting {$12000.00} which Ocwen claims to have forgiven : Current Terms were : Unpaid Principal Balance : {$21000.00} Interest Rate : 10.375 % Remaining Term : XXXX? Loan maturity date : XX/XX/XXXX Proposed Terms are : Unpaid principal balance {$33000.00} Principal forgiveness : {$9000.00} Amortizing unpaid principle balance : {$24000.00} BALLOON PAYMENT : {$4200.00} INTEREST RATE : 3.875 % REMAINING TERM : XXXX? REMAINING AMORTIZATION TERM : XXXX? Modification Effective date : XX/XX/XXXX? XXXX XXXX XXXX : XX/XX/XXXX I continually questioned the terms of the death/assumption/modification and finally received this unofficial non RESPA document. I was told that there was no BALLOON NOTE and all this information would change after the trial period? It was not changed but instead my daughters loan was transferred to cover up this disaster. In addition I was continually questioned as to where I got the document? So I gathered I was not supposed to know that I was being defrauded and taken advantage of. I was already promised by the OMBUSMAN department that they would adjust the junk charges added to my loan previously when this loan was paid off? Is it a technicality that transfer does not mean paid off? Ocwen is now requesting estate documents before they can talk to me ( letters attached ). Documents that were provided last year in order for them to provide a mortgage assistance acceptance form and final notorized borrowers acknowledgement ( both attached ). The payments are current to XX/XX/XXXX and all payments were made as agreed per the contracts we are into 6 payments and no one is paying attention. All documents have been provided after continually contacting OCWEN and finding someone who made sure I got the documents to notorize and finalize this transaction. Only to find that it has not been finalized because of the retaliation from the attempt to rob me and my deceased daughter with a pen. PLEASE, PLEASE HELP.
Company Response:
State: MO
Zip: 63146
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: During the Housing crisis beginning in XXXX the value of my home decreased dramatically. My goal was to reduce my monthly payments and have an affordable interest rate. Ocwen my Lender instructed me that in order to do just that I must refrain from making mortgage payments for 89 days. On the 90th day Ocwen implemented foreclosure proceedings which resulted in applicable attorney and appraisal fees. These fees were unathorized and unwanted. After disputing these charges with their Resolutin team and the Ombudsman department for 6 years I realized the charges must be paid. Since XXXX I had hoped these charges would be resolved. Ocwen refuses to remove the charges.. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: A. On XX/XX/XXXX was told by Ocwen via equator message that the net was short around {$3000.00} and to submit a higher offer. B. Higher offer was submitted on XX/XX/XXXX which increase the offer to {$260000.00} the net by {$2500.00} ( which is around $ XXXX ) C. Escalation dept confirmed receive of document XX/XX/XXXX yet underwriting did not not the file as complete until TWO WEEKS later despite my follow ups. D. File was at a standstill until XX/XX/XXXX despite weekly follow ups we should not be penalized for underwriting taking much longer than they should have. E. XX/XX/XXXX I increased the net even more to {$230000.00} which it is over {$3000.00} higher in net then the original hud submitted I do not understand why the short sale is not pending approval with the above considered
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My home was an Conventional Loan and it seems it is in an Equity Trust XXXX with XXXX XXXX. I have never had an Equity Loan on my property please explain why it is in a Equity trust in 2006. See below Home Equity Mortgage Loan Asset-Backed Trust Series XXXX XXXX, Home Equity Mortgage Loan Asset-Backed Certificates Series XXXX XXXX. Their mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and telephone number is ( XXXX ) XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage payment went up, I am on a fixed income and I can not afford additional expenses. I am afraid that I will default on my loan because the payment increased. The mortgage company will not assist me with a modification because I'm not late. I need a lower interest rate, it's going up 5 % in XXXX. They told me they had other programs but didn't tell me what they were.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: just giving you more lies ocwen gives me not that it matters to the cfpb or ocwen ... but ... once i figure out how to get all these phony docs and lies ocwen has sent to me ... i have so many ... im sending copies to the ... EOP U.S. attorney General U.S. attorney members of the U.S. Senate and house of representatives.. house judiciary committee house oversight committee FBI XXXX XXXX judge XXXX XXXX and whom ever else I find this letter clearly states ocwen received my loan from gmac in XX/XX/XXXX ... when they went banrupt ... in which gmac only stamped my mortgage assignment in XX/XX/XXXX ... ( out of business ) .. gmac never sent me a transfer notice from home eq ... .or anyone else for that matter ... and here is home eqs paper clearly stating ocwen got my loan from them in XX/XX/XXXX ... but ... i DO NOT believe ocwen was licensed to have my loan ... .in my PSA ... until XX/XX/XXXX!!! when the paperwork was done for out mortgage in XX/XX/XXXX... is was never notarized in front of us ... thats a whole different complaint ... but I'll get t gat together
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I paid my mortage for XX/XX/XXXX through XXXX XXXX XXXX online banking portal on my computer. I received a phone call on XX/XX/XXXX for the first time from Ocwen stating they had not received my XX/XX/XXXX mortgage. I spoke with a representative and stated the mortgage was paid on the XX/XX/XXXX on online banking through XXXX XXXX XXXX. I then pulled up my XXXX XXXX XXXX and saw they sent my payment to XXXX XXXX, my husband 's car loan company. I explained that XXXX XXXX XXXX made an error. The representative from Ocwen called XXXX XXXX XXXX and we had a 3 way phone conference call and XXXX XXXX XXXX refused to acknowledge their error and couldn't get Ocwen the money due to it had been sent to XXXX XXXX. I was unemployed at the time and did not have money in my savings or checking account neither did my husband to cover an immediate payment to Ocwen. I then had to call XXXX 's XXXX with my husband, and had a discussion in which XXXX XXXX said they would have to mail back the check to my husband and it would take 7 to 10 business days. Ocwen was also on this 3 way conference call. I was informed from Ocwen due to the error there would be no late payments. I was also informed our credit report would not be contacted for late payment. I was informed due to the XXXX and XXXX XXXX holiday, XXXX XXXX couldn't guarantee the check would be to us before the XX/XX/XXXX. The check arrived on XX/XX/XXXX and Ocwen was paid on XX/XX/XXXX after the check had cleared. I also paid our XX/XX/XXXX mortgage payment before XX/XX/XXXX. On XX/XX/XXXX even though all of this information was made a record of on my account I began receiving harassing phone calls from Ocwen about my XX/XX/XXXX mortgage payment and received them the next month on XX/XX/XXXX. Also, our credit report was lowered because Ocwen reported that our mortgage payment was over 30 days late even though I have never been late on a mortgage payment and Ocwen had a record of what happened to our XX/XX/XXXX mortgage. I had a dispute with XXXX and called Ocwen who will not take down this late payment stating that legally Ocwen had to report this late payment and that the only way Ocwen will correct the dispute is if XXXX XXXX XXXX sends them something in writing stating their mistake. XXXX XXXX XXXX won't acknowledge the mistake since it was done on their website. This incident is one of many problems I have had with Ocwen where one time I paid our escrow off at the end of the year otherwise our mortgage payment would have gone significantly higher due to our escrow being short for the next year. I put a payment coupon and put the check stated this was for correction of escrow and Ocwen applied this payment to our mortgage instead of the escrow. It took my 4 phone calls each lasting an hour and a half to straighten out their mistake. Also, I have up until the XX/XX/XXXX of the month before my mortgage is late but if you pay after the XX/XX/XXXX of the month Ocwen calls your payment a remittance payment. This payment is not a remittance payment since legally I have until the XX/XX/XXXX of the month grace period to pay my mortgage without a penalty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear XXXX Representative, My complaint is somewhat convoluted. There are two important aspects to this complaint and I need to premise it with some preliminary details. 1. The first aspect of the complaint is : that I naively and without legal representation, signed a Quick Claim/Deed, XX/XX/XXXX, relinquishing all control of a home that I had jointly purchased with my wife at the time. I question the very ethical, legal and predatory nature of this contract, and the law firm that drafted it and/or counseled my ex-wife to present it to me the way she did- having no present witness and no assurance of legal counsel on my behalf, Drafted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. What has essentially manifest from this action is that : For the last 11 years, my name has been on a mortgage for which I have no legal ownership of and have been stripped of any decision-making ability and equity concerning the property ( via the quick claim ), but still bear the financial burden and responsibility. I am subject to any outcomes regarding the decisions that are/ and have been made regarding the house/mortgage, i.e. loan modifications. Including, a continued bad credit history report and an inability to essentially finance anything- directly affecting my quality of life and stifling any real growth regarding a start-up business. After briefly speaking to an attorney, he expressed concern regarding the way in which the quick deed was signed. He mentioned that quick claims are typically signed at the time of refinancing, not signed with some future promise of refinancing. Said house is presently in pre-foreclosure, with a foreclosure sale date scheduled sometime in XX/XX/XXXX. We, ( we shall mean myself and my ex-wife ), are currently in the process of trying to facilitate a short sale of said house with the help from XXXX XXXX XXXX and an attorney at XXXX XXXX XXXX. Ill explain further the history, and how this correlates to the next aspect of the complaint below. 2. The second aspect of the complaint is that : I question the practices of Ocwen Loan Servicing, LLC, representing or affiliated with XXXX XXXX XXXX XXXX XXXX, trustee for XXXX XXXX XXXX XXXX, in terms of fairness and transparency. I cant speak directly for, or on behalf of my ex-wife, but she did recently disclose to me that Ocwen Loan Servicing, LLC. coerced her into leaving the property long before a foreclosure sale date, among other suspect practices. Its possible that she might be willing to cooperate and/or show documentation regarding an investigation. Please make note and understand that I have not lived in or set foot on said property since XXXX of XXXX. We, ( my ex-wife and I ) are not on speaking terms accept for legal or real estate matters. The Back story as it pertains to the complaint : My ex-wife and I were married XX/XX/XXXX. We signed the deed on our new house XX/XX/XXXX. Two months later in XXXX of XXXX, she ( my ex-wife ), had a change of heart and chose to dissolve our relationship and consequently our marriage. Not being able to afford an apartment on my own I stayed in the house for a few months, leaving the premises in XXXX of XXXX. We made an agreement that approximately one year after I signed the quick deed on XX/XX/XXXX, that ( she ), my ex-wife, would refinance the house ; thereby removing my name from the mortgage, assuring me that she could and would continue to make the mortgage payments on her own and on time. She quickly fell short on this promise. XXXX XXXX XXXXXXXX XXXX transfer of real estate settlement to Ocwen Loan Servicing, LLC Though I had no executive decision-making ability regarding the house, I was still getting paperwork/ documentation on occasion from the mortgage company and was still able to access my online account which at the time was through XXXX XXXX XXXXXXXX XXXX XXXX I was aware that my ex-wife was behind on mortgage payments. Around XXXX, both of us, separately, and on multiple occasions tried to get XXXX to do a short sale. It never happened. We had buyers that were willing to purchase the home over the original purchase price however, XXXX dragged their feet and ultimately refused on every occasion. I received a notice for a transfer of real estate settlement procedures XX/XX/XXXX. XXXX to Ocwen. A loan modification was granted without my signature. signed XX/XX/XXXX. I was contacted by my ex-wife, requesting my signature for this modification, which I refused and did not sign. The modification happened anyway. I have a copy of it, signed XX/XX/XXXX, with her signature only. I question the legality of this. Fast forward to XX/XX/XXXX, Ive been remarried now for 9 years, I have a family, Ive been trying to start a business, Ive been making a concerted effort to take control and master the financial aspects of my life. But in every domain this mortgage/ looming foreclosure continues to have a tremendous negative impact on anything I attempt financially. After recently presenting my business plan to a commercial bank and disclosing that my name was on the mortgage of a home in pre-foreclosure, I quickly realized there would be no chance of acquiring any kind of financing with a house in pre-foreclosure and/or any of this on my credit report. I took immediate action. Up to this point I thought that I had no recourse whatsoever ; no legal recourse regarding the quick claim and no way of facilitating a short sale. I assumed that foreclosure was my only option and hoped it would happen swiftly, so I could at least have some new starting point even if that meant another seven years. With a new sense of urgency, I contacted a lawyer. He gave me the name of a real estate agent that specializes in short sales. Since then, the real estate agent and an attorney from the XXXXXXXX XXXX XXXX has been in communication with the mortgage company to short sell the house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2018-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A