Date Received: 2018-03-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mom 's home is trying to be foreclosed on. And Ocwen Loan Serving is ignoring me. I have the direct number to the Acct Mgr and XXXX XXXX in the Office of the Consumer Ombudsman and Still ignoring. I have called multiple days and left many messages. My mom died XX/XX/2018 and the home was in probate from my dad 's death. My mom 's death was very unexpected and I want to pay off the home and Ocwen will Not work with me. They won't even return any calls. I have received email messages only and that was right at the time my mom was sick and trying to get property in her name from my dad 's estate. Ocwen only lies and says they didn't receive my dad 's death certificate. While I was trying to help mom ( I myself, sent it certified And faxed it ), so I know for a fact they received the paper work but just do not Wish to help consumers. Ocwen 's main goal is to take homes. I will be talking to a lawyer now but I want to go on record with this issue so that when this goes before a judge, it is documented that I have made multiple attempts over many months and to show that they were not willing to work with my mom as well. We are willing to pay it off but Ocwen is only trying to make it go up. I've received a pay off of XXXX if they keep waiting, the pay off goes up. This is ridiculous!!! With so many people complaining about this crooked company ... why the XXXX does the government allow them to keep robbing people?? I will be posting this to every place I know of.
Company Response:
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2018-03-11
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: a year ago a trial mod was given and extended trial mod payments were applied to XX/XX/2011 mod allegedly which was a gray area, DTI AND NVP were not entertained as asked, ... ..Attorney was not applied as discussed by XXXX, XXXX XXXX XXXX , she said the third party letter of authorization was not pertaining to her, she did not know of XXXX XXXX XXXX that told me she would be my attorney in XXXX Nj and actual never had a office there as they stated as I requested, ... ... .Bar ASSOCIATION gave me a P.A. #, ... ... .Other attorney in XXXX now that was representing me in foreclosure rescue scam. XXXX XXXX, XXXX XXXX was impersonating a Attorney also. she was practice manager /paralegal responsible for $ withdrawl and FEMA fraud XXXX loan trying to acquire free money through fraud. He is no longer aloud to practice law in NJ BUT my real estate issues are not corrected XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2018-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Between XX/XX/XXXX and XX/XX/XXXX, my FICO, XXXX, XXXX and XXXX credit reports show that we were 60-89 days late on our mortgage with Ocwen. We were 30-59 days late during these times, but we were not 60-89 days late. Between XX/XX/XXXX and XX/XX/XXXX, Ocwen was erroneously keeping my payments in suspense, and was not applying my payments to the past due balance. This error caused my mortgage to be reported as 60-89 days delinquent. If Ocwen had applied these funds to my past due balance, as the company is obligated to do under my contract, my account would not have fallen 60-89 days behind. I filed a complaint with the CFPB regarding the payments held in suspense. After I filed the CFPB complaint, the issue was quickly resolved, and the payments held in suspense were applied to my past due balance. However, the error with my credit reports ( the report that we were 60-89 days late on our mortgage ) was never corrected. After I filed the complaint with the CFPB, I spoke with a supervisor at Ocwen. She said that the payments were being held in suspense by error ( that it was Ocwen 's error ). She said that she was not sure why this error occurred and she promised me that the issue would be resolved quickly. I contacted Ocwen regarding the error with my credit reports, but they have refused to correct the error regarding my delinquency.
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2018-03-11
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: Over the course of XXXX, several financial setbacks occurred causing me to fall behind on my payments so I made steps to work with the Ocwen to begin working on a loan modification so that I could continue making timely payments. Over the course of this process the relationship managers that I worked with repeatedly lost documents and even went as far as saying that they did not receive documents that were faxed, emailed, and mailed to them which ultimately led to me falling further behind on my payments. In late XXXX, I received a notice of default and subsequent sale date so I began to work with the loan servicer as well as Keep Your Home California and XXXX to work out a repayment plan for the back fees. They assured me that while I was working with them to figure out a plan that the sale date had been put on hold. In XXXX, XXXX informed me that they had made an agreement that I would begin with an initial payment of {$12000.00} and then go on from there. I felt comfortable with that amount because it was much less than the {$16000.00} that was accumulating after fees and penalties were tacked on. I called the servicer in early XXXX because I had not received any documents to sign and after speaking to my relationship manager in late XXXX, I was informed that I should remit a payment of {$12000.00}, which was sent to them on XX/XX/XXXX via certified check even though as of that date I still had received no official document that we had entered into the repayment plan. It was on XX/XX/XXXX, that I received a new document from the county saying that my home would be sold on XX/XX/XXXX, so I immediately called the loan servicer because there had been no communication from them on the status of the repayment plan or any document stating that they had received a payment from me. I spoke to the servicer who then told me that the repayment plan was sent to the underwriter and that I had been denied a repayment plan due to my debt to income ratio being 2 % higher than that of which they allow. I then asked when that decision had been made and they told me that the decision was made XX/XX/XXXX. I then asked the representative why I had not received anything in writing that this decision had been made and I was told it was because they do not send out letters of denial and that it was on me to check in with them on the status of the repayment plan application. I know that this is false information because I have received letters in the past in regards to the denial of a loan modification. I proceeded to ask the representative what happened to the check that was sent to them and they told me that they had returned it to me as of XX/XX/XXXX because there was no agreement made and that I would need to make a payment of {$17000.00} to end the sale of my home. This payment has to be made by XX/XX/XXXX. I am submitting this complaint because Ocwen has a history of these types of practices resulting in foreclosures and lawsuits, one of which was filed by the CFPB for these same reasons and nothing has changed.
Company Response:
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My home is scheduled for Foreclosure Sale XXXX XXXX. I have been paying since XXXX. As of XXXX I had paid XXXX on a loan that was XXXX. My loan was transferred several times and incorrect information about how much I owe has been and Issue. Ocwen is saying still owe XXXX. I have asked for proof but they will not provide it. The loan is under the XXXX and it is not correct. They also send different amounts on the statement. I am in XXXX XXXX and XXXX XXXX. Once I reported Ocwen for Harrassing Calls they scheduled the Sale. Their is no documentation in the Court.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2018-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have several complaints on file that are marked as closed simply because they accepted the complaint. This is ridiculous. They not only escrow, processed incorrectly charged excess fees but they stole my property. Now post bankruptcy they are calling and harassing me for payments. Ocwen called from XXXX @ XXXX ; XXXX XXXX XX/XX/18. XXXX XXXX said I missed my XX/XX/XXXX payment and I should call XXXX or send payment. Federal Law states they can not do this. Now what do I do. I am financially broke!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-10
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I submitted this complaint for a wrongful eviction of a renter from a foreclosed house, first in XX/XX/XXXX. XXXX XXXX responded " It's not us it's OCWEN ''. Our deposition showed differently. On XX/XX/XXXX I submitted a new complaint. You don't have a box for illegal renter evictions ( but you should. ) It looks like XXXX XXXX routed it to XXXX XXXX XXXX, who XXXX XXXX responded I did not have " standing '' to bring the complaint. Well ... their name was on the caption of the illegal eviction proceeding, and so was mine. So, I most certainly do have standing. They also gave the complaint to their attorneys to answer - XXXX XXXX XXXX, who are the ones who tried for 4 years to illegally evict me-then dismissed their case when I caught them with fake documents essentially stealing the loan and house. I suggested the attorney investigating my complaint needs to go back to law school to learn about standing. " XXXX XXXX v XXXX '' most certainly does give me standing, and I am living in a house with their name on ( half ) the title. It is XXXX XXXX 's name on the eviction cases. They were directed at me. So yes, I do have standing to bring this complaint. Under XXXX XXXX XXXX XXXX XXXX XXXX, v. XXXX XXXX XXXX et al. ( App Div No. XXXX, Super. Ct. No. XXXX ) & XXXX XXXX XXXX XXXX XXXX XXXXXXXX, v. XXXX XXXX et al. ( App Div No. XXXX ) the renter prevailed in the bank having to prove they followed the foreclosure law. So there certainly is standing for a renter to question a Bank 's illegal foreclosure. Meanwhile the issue here is you and your agents tried to ILLEGALLY EVICT MY FAMILY, in violation of both Federal and CA State PTFA law and I most certainly do have the standing and the right to file a complaint and receive an adequate response that is not a shell game on this issue. Here it is, again. Property : XXXX XXXX XXXX, XXXX, CA XXXX In XX/XX/XXXX, XXXX XXXX via their agent OCWEN sued me for eviction in my rental. This was the first I realized they had ( it turns out illegally ) foreclosed on my rental, with a 5 year lease. Under both Federal PTFA Protecting Tenants at Foreclosure Act and CA State PTFA, XXXX XXXX has to honor my lease, which is in effect until XX/XX/XXXX. My lease includes a long list of repairs the ( now former ) owner agreed to do, since the property is seriously dangerous and dilapidated. I replied to the first eviction with my lease, and they withdrew their first eviction. I subsequently hired a Geologist, after being informed of a mudslide at the property which caused the property to be evacuated. He wrote a long report that the property is a " Danger to life and limb '' and needed immediate repair & geological stabilization. He also discovered XXXX XXXX only has title to the front half of the house. This report was provided to XXXX XXXX via their attorney, who responded by trying to evict us, again. So I defended our right to be here & have the property repaired. Knowing the home is extremely dangerous, XXXX XXXX has refused to make any repairs, forcing me to make repairs to make the home even half way livable. Thus far I have spent hundreds of thousands in repairs. During discovery on their lawsuit, I found forged loan assignments including XXXX XXXX, which made it impossible that XXXX XXXX owns this house. When presented with this evidence during our deposition in Spring XX/XX/XXXX, with requests to prove they own the house -- XXXX XXXX withdrew the case. XXXX XXXX 's only defense to my valid lease was we had strike throughs in it. This is not a legal claim. Thus far I have spent almost a hundred thousand dollars in attorneys fees defending their bogus eviction, for a home it appears they actually stole using fake loan assignments. XXXX XXXX presented their " Person most knowledgeable '' for the case as from OCWEN. When I made this same complaint in XX/XX/XXXX for failing to honor PTFA law, XXXX XXXX responded it was " not them it is OCWEN ''. The problem is, during the deposition OCWEN testified multiple times they are acting on behalf of XXXX XXXX. I have the entire deposition transcript. Further -- OCWEN is not the beneficiary so they can not legally evict me, only XXXX XXXX can. It is clear XXXX XXXX and OCWEN are playing a shell game -- but it is XXXX XXXX 's name on their ( now dismissed ) eviction lawsuit against me. Meanwhile -- I learned during our deposition that XXXX XXXX does not even have a process to handle renters, which are 60 % of the foreclosures. Their XXXX testified that is the " Foreclosure Trustee 's job ''. Are you kidding me? That is not their job, they just sell the house!! It is squarely XXXX XXXX 's job to know who is in the house, if they are a renter, and to honor their lease. This also means doing needed repairs -- not being a slumlord and expecting a renter to make extensive or any repairs!! This also means that in 60 % of the foreclosures, XXXX XXXX is just thumbing their nose at the law. -- /
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Reference closed Consumer complaint file # XXXX Ocwen loan Servicing Property address : XXXX, GA XXXX Account # XXXX Ocwen continues to report that my account has been charged off and closed after they had investigated and confirmed to your agency that this is incorrect per closed complaint # XXXX. I recently checked and all credit bureaus have received information between XX/XX/XXXX that my account has been closed, charged off, hence my credit score decreased by over 100 points. Ocwen continues to report this incorrect statement every couple of years although i have never been late and my account is current. I need Ocwen to remedy this situation and place a permanent ban on reporting incorrect information as this is adversely affecting my ability to obtain credit. I truly believe Ocwen is trying to intimidate me in paying off this loan or to foreclose as they lied previously that the account was a balloon loan. Please investigate and advise.
Company Response:
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2018-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Chain 1 : Purported Note endorsement by the original lender, now bankrupted XXXX XXXX XXXX, to XXXX for further securitization into Structured Asset Mortgage Investment II Trust XX/XX/XXXX XXXX, where XXXX XXXX XXXX XXXX XXXX is Trustee. Chain 2 : Purported Note assignment from XXXX to XXXX via XXXX signed by XXXX XXXX, who in XX/XX/XXXX ( seven months after servicing the Notice of Default to Homeowner ) assumed position with XXXX as Vice President of XXXX XXXX XXXX, which is a separate entity for the above Trust. Chain 3 : Purported assignment of Deed of Trust from XXXX to XXXX on XX/XX/XXXX. The Assignment signed by Ocwen 's employee XXXX XXXX acting as " Assistant Secretary '' to XXXX. Chain 4 : Assignment of Substitute Trustee executed on XX/XX/XXXX by Ocwen 's employee XXXX XXXX acting as " attorney-in-fact '' for XXXX and as Vice President for XXXX XXXX which was officially dissolved nine month prior to that day according to TX State Corporation Commission. Chain 5 : Assignment of Substitute Trustee and removal of previously assigned substitute trustee executed on XX/XX/XXXX by XXXX XXXX, an employee of Ocwen, acting as " attorney-in-fact '' for XXXX. Please note, that all transfers have been executed by Ocwen " on behalf '' of XXXX or XXXX. However, XXXX never claimed to be the lender or owner of the mortgage loan. Furthermore, on XX/XX/XXXX I sent a written inquiry to XXXX ' Mortgage Back Securities ( XXXX ) Department via corporate website regarding status of my property. XXXX responded two days later informing that XXXX XXXX XXXX XXXX is the only servicer for all property belongs to XXXX 's trusts and that " XXXX XXXX is not an investor but a Trustee and therefore, does not physically own the loan or the property. XXXX XXXX does not have any say in how the property is disposed, loan modifications, etc. Deed of Trust as a contract between the Lender and Homeowner, indicates that, other than the original lender, the Lender is the entity that has purchased the Note, as the " Lender '' would be the same entity entitled to recovery from " Mortgage Insurance. '' Therefore, a true Lender must have an insurance policy written on Plaintiff 's property. Therefore, I politely request CFPB to assist in my communication with the alleged Lender the XXXX XXXX XXXX XXXX XXXX in order to take clouds out of my title. If XXXX claims to be a Lender or otherwise have standing in this matter, I request the following proof of ownership : 1. When and under what circumstances XXXX decided to acquire the Note of already defaulted loan. 2. Proof of valuable consideration paid to the XXXX in exchange for the Note if such payment has taken place. 3, Power of attorney or agency agreement appointing XXXX XXXX, Ocwen 's contract manager, as attorney-in-fact and duties delegeted. 4. Power of attorney or agency agreement appointing XXXX XXXX, Ocwen 's contract manager, as attorney-in-fact and duties delegated. While there is no objection to an agent acting on behalf of its principal, basic agency law requires that the principal as the proper party be identified and that the agent be authorized to act pursuant to some type of power of attorney or agency agreement. Further, as the document appointing the substitute trustee is put to record, the recitations therein must be truthful and complete to ensure an unbroken and accurate chain of title. Clearly, if the representation is not true, then the document has no legal effect. It is not now, nor has it ever been, the Homeowner 's intention to avoid paying any obligation that is lawfully owed. The same time, it is an obligation of the Homeowner to protect the title on his property from thieves and infringements.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a second mortgage with ocwen loan servicing, it was included in my bankruptcy filed XX/XX/XXXX, on XX/XX/XXXX ocwen sent out a response to final cure payment saying I was behind XXXX. That same day, they added almost 1000.00 to my principal balance. I then sent to the courts proof from my bank showing I never missed a payment over the entire 5 years. The courts granted me a discharge on XX/XX/XXXX. On XX/XX/XXXX my wife and I applied for a refinance with XXXX XXXX, this has been tough because Ocwen wont report my payments over the last 5 years, because we didnt reaffirm our loan. On XX/XX/XXXX I called ocwen to ask why my principal balance went up XXXX between XXXX and XXXX statements, I then mentioned I was trying to refinance, and needed them to fix their accounting errors, I asked to talk to someone in that department, but was told they cant take calls, and would get back to me by email. I then went onto ocwens web site and found a tab for problems with payment, so I typed in my problem, and downloaded 20 pages to support their mistake. 5 days later ocwen who had refused in the past to report our payments to the credit bureau, decided to report to XXXX that we are 180 days late and the account is now open, and nothing else, no on time payments over the last 5 years or anything. This brought my credit score down from a XXXX to XXXX, and all happening days before we are supposed to close in our new loan. I have been told by the Bankruptcy department at ocwen that they dont know why, they can only see what I can on their web site, and will not allow me to talk to anyone else. Can someone please help, I have all the documentation.
Company Response:
State: CO
Zip: 80004
Submitted Via: Web
Date Sent: 2018-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A