Date Received: 2018-03-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Our client received a letter dated XX/XX/XXXX stating she had until XX/XX/XXXX to respond regarding a choice between a Loan Modification and other Pre-Approved Options. Our clients response, stating they wanted a short sale, was sent to the bank onXX/XX/XXXX via certified mail. Ocwen confirmed on XX/XX/XXXX that they received their response. Our client was told that if they did not want a Loan Modification they would have 30 days to provide a short sale package, at which point Ocwen would review them for a short sale. On XX/XX/XXXX and XX/XX/XXXX we submitted documents for a short sale, of which Ocwen has confirmed receipt. Even though Ocwen received a short sale package within the specified time frames, they are refusing to review for a short sale and instead will be taking the property back at auction on XX/XX/XXXX. We have also been told by Ocwen that the short sale was declined onXX/XX/XXXX -- before the due date for the borrower 's response. This goes against what Ocwen had previously told the homeowner. Ocwen has purposely deceived the homeowner multiple times. They told the homeowner multiple times that the auction date was on hold and that they would have time to do a short sale. However, when we call in and speak with Ocwen they state they will not postpone the auction date and have every intention of taking the property back at auction on XX/XX/XXXX, regardless of what other reps have told the homeowner. In addition, Ocwen does not have any kind of appropriate valuation on the property. They are valuing this house, built in the XX/XX/XXXX, against homes that are maybe 5-6 years old. Ocwen has a value of $ XXXX in their system, yet they have never had anyone inside their home. Ocen takes their values from XXXX, who has publicly admitted to inflating their values by 20 % across the board. Is Ocwen refusing to review this offer because they dont want to admit their values are inflated and therefore unrealistic? Or. Is Ocwen simply discriminating against a XXXX borrower? They have already like to the borrower multiple times. They have no realistic value in their system, and are stating they are simply going to take the property back on XX/XX/XXXX even though Ocwen stated the homeowner would have 30 days to pursue a short sale. Ocwen has already been fined for this type of illegal behavior. Obviously they have not yet learned their lesson. I want Ocwen to review the borrower for a short sale, like they told her they would.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have asked OCWEN mortgage company several times to give me a cumulative statement of what they have charged me to get my tax bill sent to them from XXXX XXXX. They tell me " send us the original bill. If you do not send it, we will get the bill ourselves directly from XXXX XXXX and then charge you no less than {$6.00}. ". When I spoke to XXXX XXXX, they tell me that OCWEN is already paying the bill so 1. why do they need to bother me for it? 2. how can they charge me for this? My bill is already escrowed. When I spoke to the XXXX XXXX, they tell me that OCWEN should not be charging me for this. I believe that OCWEN is either A. getting charged by XXXX XXXX {$5.00} which they then pass to the customer making a profit of no less than {$1.00} or B. they are not getting charged anything from XXXX XXXX ( most major mortgage companies do not get charged by XXXX XXXX because of some sort of arrangement ) and are thus profiting no less than {$6.00} from the customer 'pretending ' that they are passing on the cost of getting the tax statement from XXXX XXXX XXXX I have contacted the Ombudsman office about 10 times now about getting a cumulative statement from them to see how long they have been pulling this XXXX and ALL IS SILENT. I am entitled to this statement and entitled to getting my money back from all the tax bills they have been getting from XXXX XXXX then passing the cost on to me.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2018-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My Father died XX/XX/XXXX, I lived with my father. I became delinquent on the mortgage because I was responsible for his care until he died. I've requested a mortgage modification with Ocwen Servicing several times. I recently submitted the required documents for a mortgage modification. My modification request is currently in processing with Ocwen Loan Servicing. But a property foreclosure sale date has been set for my property XX/XX/XXXX. I do want to keep my home. Please Help!!!!!!!!!!!!!!!!.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: After hurricane Irma I called my mortgage company ( Ocwen Loan Servicing ) to get my mortgage payments ( {$750.00} ) pushed back for 3mnths. When XXXX rolled around they told me my payment wasn't able to be pushed to the end of the mortgage and I'll have split those payments that weren't made up over the course of the next six months along with the monthly payments which brought the payment to {$1300.00}. I explained to the bank that I have a lot of damage from Irma and that payment is going to be impossible for me to do along with repairs to the house, so they tell me to apply for a modification. I applied for the modification with the UNDERSTANDING that I didn't have to make any payments until the review is finished. I received the denial for the modification on XX/XX/XXXX and the reason for the denial is because I was 90 days past my mortgage. I called the mortgage company and spoke with a lady who now tells me in order to get my mortgage caught up I'm going to have to pay {$1500.00} over the next 11 months. After speaking with the mortgage company I called XXXX XXXX XXXX XXXX. My mother sent your information last night. I've been in my home since XXXX.
Company Response:
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen became our mortgage servicer immediately upon our purchase of a 2nd home 11 months ago. 1st we were told to wait 6 months and then send a written request for an Escrow Acct Waiver. We sent our written request after 11 months of on-time payments. Our request was denied. 1st they said it had to be 12 months, then the escalation manager at Ocwen said XXXX XXXX 's policy was 24 months. Well, I called XXXX XXXX and their escalation manager told me that the " time needed to have an escrow acct was entirely up to the servicer ''. We have no other debt, we have made all of our payments on-time for 11 months, our value-to-loan ratio is very low ( about 25 % loan ), we both have excellent FICO scores, and our 1st home is mortgage free. What is Ocwen 's problem - is it that they want to hold our money interest-free for another year? or is it that they have no idea what they are doing?
Company Response:
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2018-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In XXXX, Ocwen reported this acct as current, with no payments made in XXXX, XXXX, and XXXX, with a notation " Natural Disaster ''. I was notified of the change in my credit report by XXXX. I immediately filed an online dispute with XXXX that the information was incorrect and that I believed under the FCRA that they could not report derogatory or any account information after seven years and approximately 180 days from the date of default. The default date was XX/XX/XXXX, there have been no payments since that date and this did come off my credit report, I believe in XX/XX/XXXX. Ocwen disputed my claim and " verified their information to XXXX '', they then reported my account as delinquent 120 days since XXXX and that is what the credit report shows. I filed another dispute with XX/XX/XXXX, and I contacted Ocwen directly. I received multiple stories from Ocwen, first they said they got the account from the original servicer in XXXX so they could report no payments for seven years from that date. I told them that FCRA address 's subsequent service collections and it still goes back to the original date of default. Again XXXX believed Ocwen, declined my dispute, only now it was updated showing a payment in XX/XX/XXXX, now making the account stay on my credit till sometime in XXXX. There absolutely was no payment on this account. I called Ocwen to dispute the new information and was told a payment was made in XX/XX/XXXX, I asked what the amount was and for proof of that payment, they answered that the amount was {$0.00}, yes XXXX, and that the investor on the loan did it. I have filed another dispute in writing to Ocwen and XXXX. Ocwen did push it up to an Ombudsman, that conversation did not go well and they wanted me to send a copy of the FCRA because they never heard of it. I did include the exact Numbers for the FCRA, 15 U.S.C. 1681c, where they could see the entire act. As of XX/XX/XXXX now, XXXX, XXXX, and XXXX are all reporting this account and delinquency back to XXXX. The Florida office of Financial Regulation, directed me to this site, and I am filing a complaint here, I have filed a written complaint with XXXX, Florida office of Financial Regulation, and with the Ocwen Ombudsman. I will upload copies of those complaints and the last letter I have received from Ocwen dated XX/XX/XXXX, and it showed the loan as delinquent XXXX, approximately 6.5 years which at least supports my claim that the default date was XX/XX/XXXX, I have updated my mailing address with Ocwen when I closed the XXXX XXXX , last year. I actually have another loan with Ocwen which is and has been current, they do not even and have never reported that to the Credit bureaus. Ocwen is a bully that specializes in giving people the run around. They have no intention of doing the right thing and they seem to enjoy causing harm and grief. This has devastated my credit which I have worked to correct and prior to this my credit was all on-time payments except for one 30 day past due back in XXXX, which I don't even remember why or what happened. We tried to work out a loan modification with Ocwen and they only offered trial periods, my Attorney could not get them to agree to a permanent loan mod, so he was concerned if I made trial payments it would start the clock again on this debt, for a temporary or trial period was to much risk for me. Thank you so much for your help and consideration.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Our current mortgage company, OCWEN, is adding information to their credit reporting that does not/should not be reported. There is no reason for them to add words and " history '' to current reporting of our account. They are including the following to all credit reporting agencies : " Consumer Information Indicator : CHAPTER XXXX BANKRUPTCY DISMISSED ''. Why include this information? Is this legal? Is this information necessary and/or is it supposed to be included by law? What laws are they using as their reason to include that info?
Company Response:
State: LA
Zip: 71112
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: OnXX/XX/2010 the mortgage payments on this loan were accelerated by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the entire debt became due on that date. Ocwen Loan Servicing is barred from foreclosing on the deed of trust as the statute of limitations to do so, has expired, per Washington State law, RCW 4.16.040 ( 1 ). This debt is no longer collectible. I have given notice to Ocwen Loan Servicing LLOC, and to the Ocwen Office of the Consumer Ombudsman without a response as of yet. Ocwen has previously identified themselves as the owner of the promissory note/loan, when XXXX XXXX has also been identified as the owner of the note/loan. Ocwen declared they were the owner of the note/loan under the penalty of perjury. Ocwen refuses to explain how there can be 2 owners of the note/loan, and when they became the owner of the note/loan. Ocwen has identified collateral file/note holder custodians, but has refused to say who these custodians were representing, whether it was XXXX XXXX or Ocwen?
Company Response:
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2018-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Just because the company responds does not indicate the problem was addressed. Complaint # XXXX is not a duplicate but a continuation of my household goods being confiscated immediately after foreclosure as payment for the debt discharged in bankruptcy. XXXX XXXX instructed XXXX to secure the property I was residing in. They auctioned my contents and I need to be reimbursed or the contents returned. I believe a response is not a resolution!
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: 2018-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This compliant is against Ocwen Loan Servicing Mortgage Company and is in reference to my mortgage loan. On XX/XX/XXXX I OVER PAID my monthly mortgage in the amount of approximately {$10000.00}. On approximately XX/XX/XXXX I contacted the mortgage company and requested that I be reimbursed for the difference. I was informed that a request would be submitted and I would be REFUNDED my money. On XX/XX/XXXX a wire transfer supposedly occurred from Ocwen and was sent to my bank account but the bank account number that the funds were sent to was an INVALID account because of a transposition in the account number. I have been talking with at least 3 different escalation managers at Ocwen and to this date I have not received my refund. There customer service is despicable. They are incompetent and non-responsive. They have provided no amicable solutions nor have they even attempted to trace what has happened. They appear to have done nothing but tell me that they are waiting to receive funds back from the bank before I can receive my refund. I have talked with the bank and the company every day practically since XX/XX/XXXX and I am getting no answers as to when I can get my money. I am at my wits ends because this is my life savings that I am waiting to receive and no one is helping me find out what is going on..
Company Response:
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A