Date Received: 2018-01-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: i did a modification with Ocwen loan servicing in XX/XX/XXXX which was approved, my husband sign the letter sent in back next day, i received a phone call stating i use white out on the form and need to redo it, i was sent another one a few days later which my husband sign again and have it notarized, we were contacted the second time saying they need both husband and wife signature on the document, i respond in writing that my husband name alone was on the loan and there was not a place for me the wife to sign on the form, i was told to just go with my husband the 3rd time to the notary and give my Id and have them state that the signature was mine and my husband which we did, i was then told a month later that the loan was sold to XXXX so they ( ocwen ) would no longer be taking my payment ( which i was making every month ) .... i ask ocwen for the contact information for XXXX because i never receive a letter or any documentation for the sale of the loan to XXXX, and no call or contact from them either after calling them for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) they took 2 months payment and say they need direct access from my bank for payment until i am in their system, which i still have to call them every month to remind them, until XX/XX/XXXX i was told by XXXX that they have no documents from ocwen to prove i got a modification and they can not received any more payments from me, during XX/XX/XXXX when i start making payment to XXXX, ... ocwen start filing foreclosure on the house which did not make any sense to me and i did not know what to do i then hire a company to safe my house XX/XX/XXXX then XX/XX/XXXX without much time or notice they sold it to XXXX XXXX and told me i need to move within 24 hour, they are not truthful about the whole thing, i have bank statement to prove i was making payments until XXXX stop me, please help me
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2018-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau - CFPB Subject : Loss of home due to non-response from Ocwen Loan Servicing, LLC Reference Ocwen Loan XXXX CFPB : In the last quarter of XXXX, a contract for the short sale of our single family residence at XXXX XXXX XXXX, XXXX, NY was arranged for by XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX XXXX ) and the Law Offices of XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ). Our home for thirty years, Ocwen Loan Servicing, LLC, had purchased the mortgage in XXXX, which disturbingly, followed approximately one year after our previous encounter with Ocwen in XXXX, XXXX. There, we had cosigned a mortgage for the home of my sister-in-law, XXXX XXXX. XXXX defaulted and skipped from the property, leaving my wife and I holding her debt. Ocwen bought that mortgage. With the XXXX property devalued, we ultimately arranged for a short sale. Ocwen denied our plea for help. The sale failed and the house went to tax auction. Our once excellent credit was destroyed. It would seem that, in our weakened financial position, Ocwen has targeted us for fleecing. Today, we again face foreclosure. My wifes career as a XXXX XXXX took her from XXXX XXXX to XXXX. The ever enlarging Ocwen monthly fees and usurious charges stretched us to the breaking point. Due to continuing bad credit stemming from our XXXX fiasco, we were unable to qualify for an affordable mortgage. While we were current with our monthly payments in XXXX XXXX, we attempted a short sale for our overvalued home. This was with XXXX XXXX in XXXX. Again, Ocwen refused to work with us. Then, my wife suffered broken bones due to a fall and a subsequent hospital stay revealed her XXXX. Unable to work, XXXX accepted Social Security XXXX retirement. Similarly, I took an early Social Security benefit in order to be with her. On a fixed income, we moved from XXXX XXXX to more affordable XXXX. Consequently, we stopped our monthly mortgage payments. Then, XXXX XXXX of XXXX XXXX arranged for a short sale which was only {$10000.00} below assessed value. Approval of this by Ocwen would begin to heal our credit. Although we have no equity in the home and would receive no monetary return, after many years of high fees, Ocwen would still walk away with a profit. Having complied with all Ocwen applications forms, we awaited Ocwen short sale approval. And waited, until finally, the 90 day contract period expired at new year. Our would be buyer walked away. Our pleas for help from Ocwen failed to spark any sympathy in XXXX and today Ocwen remains true to form. As our lawyer and our realtor bargained with one part of Ocwen, another Ocwen branch would alternately threaten foreclosure, offer faux sympathy with impersonal letters advising we seek council or offer to restore our contract in exchange for a huge sum of money we did not have. Our realtor and we have since parted company, resigned to Ocwens indifference. We foresee no benefit from this complaint, other than urge you to confront Ocwen in the hope of sparing others our pain. Sincerely, XXXX and XXXX XXXX
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, VA. XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Supporting Statement to My Complaint Against XXXX XXXX XXXX The modification process with Ocwen Loan Servicing, LLC was a hopeless effort because of the reasons that I will try to explain in this letter. After submitting the hardship letter and the modification application in XX/XX/XXXX, we were told that our modification was denied by Ocwen because quote unquote, Your monthly housing expense is less than or equal to 31 % of your gross monthly income and you are not eligible for a Home Affordable Modification dated XX/XX/XXXX. One month later, we received a letter from Ocwen stating that we recently received your request for a Traditional loan modification. My wife and I did not send a request for any one type of modification. The reason why that type of modification was denied, Ocwen stated that the reason ( s ) was : The request for a modification has been declined by, XXXX XXXX, the investor or master servicer of your loan. Your Hardship reason does not meet modification program requirements, dated XX/XX/XXXX. Please Note that I was told by a Ocwen rep. someone at XXXX XXXX stated that we could not receive a modification because we had already received TWO prior modifications. I spoke to XXXX XXXX about this matter and asked her to find in any of the files forwarded to them from GMAC that we had TWO previous modifications and give me the dates. I also ordered Ocwen to send me a copy of both modifications Ocwen and XXXX XXXX implied that we had received. I dont understand why my hardship reason was unacceptable. On XX/XX/XXXX, we received a letter from XXXX XXXX suggesting that we plan to attend a FREE foreclosure prevention event being held in your area. I went to the event and spoke to a XXXX from XXXX XXXX ; they directed me to speak to an Ocwen XXXX that was also in the room, XXXX XXXX XXXX XXXX Community Relations Specialist Hope Division, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Email address : XXXX NMLS # XXXX. XXXX XXXX took a look in the computer and pulled the notes under my loan number and told me that it was noted in my file that my modification was denied because Ocwen and or XXXX XXXX felt that the date of my hardship was not acceptable. XXXX XXXX told me to just change the date of the letter and resubmit the hardship letter by emailing it to him and he would forward it to the right department. XXXX XXXX stated that he would request that Ocwen reopen our case or modification process, XXXX XXXX after listening to my situation stated to me that we would qualify for different programs ; he wished us well and told me to follow up with him after emailing the rewritten hardship letter. Ocwen reopened our modification and told us to resubmit another application with it. We resubmitted another modification application in XX/XX/XXXX, the following month Ocwen sent me letter asking me to send a completed self- employment financial form. I faxed Ocwen the completed form around XX/XX/XXXX. In XX/XX/XXXX we received another letter from Ocwen referring that they had been trying to reach us and that we need to contact them, if we did not our modification will go into foreclosure. I called them and asked why did the send the letter when we had just sent another application and that I had fax the last form needed to complete the package. A rep. from Ocwen then told me that they needed another application because the forms had been changed, I stated to them that they should be able to us the application that was just sent in not 30 days ago. A few days later we received a letter from Ocwen on XX/XX/XXXX, stating that we had received a Streamlined Modification Trial Period Plan starting with the first payment at the amount of {$1600.00} for three months and they would determine the terms of the plan after making the first three months payments. The trial period payments were only about {$80.00} dollars different from our original monthly payments. I call Ocwen and asked did our application contribute in any way to the decision of the terms of this plan, and I also asked exactly what a Streamline Modification is? It was stated to me that a Streamline Modification is a prescreened modification ; I stated that our application was not factored in the decisions because if I could afford {$1600.00} payments, we wouldnt be in a hardship. Please note that I have been very frustrated with this entire modification process and I feel that we will never receive a modification with Ocwen. In XX/XX/XXXX- XX/XX/XXXX we went thru the same run around with GMAC ; we had to get an Attorney to get the modification. I cost us over {$2000.00} to hire an attorney. Later to get a letter on XX/XX/XXXX from Paying Agent XXXX XXXX, XXXX stating that we were eligible to receive a payment as a result of an agreement between federal banking regulators and XXXX XXXX XXXX in connection with an enforcement action related to deficient mortgage servicing and foreclosure processes. A payment of {$400.00} was sent to us, after our mortgage was sent to Ocwen by GMAC in XX/XX/XXXX. Please also note that I have had previous dealing with Ocwen in the handling of my Grandmother and Mothers home, a house my grandfather build in the early XX/XX/XXXX. The house was paid for, over the years it started to need some fix up work, my mom and grandmother to out an equity loan with Ocwen, they were on a fixed income. Ocwen gave them an adjustable mortgage loan, after a few years the mortgage went up to almost a 15 % interest rate. My Grandmother was in her XXXX and my mom in her XXXX. After trying to get the home refinanced and being turned down because the house was not of value to cover the loan that Ocwen gave my family, I took over the handling of the mortgage situation. I was authorized to speak with Ocwen about my family home, after going back and forward with Ocwen pleading with them for a modification with a fixed rate or anything to help them with their situation. After approximately two years writing letters to Ocwen litigation department, Ocwen foreclosed my family home that I was raised up in, I then forwarded all of the information and letters to my mothers attorney. I had found that Ocwen sent an appraisal company of their choice from XXXX Virginia to appraise my family home, I saw in the appraisal upgrades that were not in the home and never have been in the home and that the appraiser compared the 40 year old property with other houses that were only within 20 years of age. The attorney took the case and within four months my mom received the deed to their property paid in full. The name of the law firm was the XXXX XXXX XXXX XXXX @ XXXX, Case # XXXX in XX/XX/XXXX under the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. XXXX. It was good to see resolutions to our problem, but it does not help the pain and sorrow you feel when families are going through the crisis. The mortgage companies got vacant homes sitting on the books because people just gave up on trying to deal with these companies with all the games they play, only to be investigated later and having to pay money to the Government that they have made on the loss of families properties with equity from years trying to make the payments as agreed. In XX/XX/XXXX I filed a complaint against XXXX XXXX XXXX with Congressman XXXX XXXX XXXX in XXXX XXXX Virginia, Ocwen took about 9 months before issuing a final response, It was a bogus response without details. In XX/XX/XXXX after we received a foreclosure sell date date on our property, I retained a Attorney XXXX XXXX XXXX, XXXX. to keep from loosing our home. Attorney XXXX filed a motion in the XXXX XXXX Courts to stop the sale of our property and began working on a modification. We later received a motion from attorney XXXX to Withdraw From Counsel in XX/XX/XXXX, the motion was filed based on false claim. I showed up in court on the scheduled court date, a young lady approached me when I entered the courtroom, she stated to me that she was attorney XXXX XXXX XXXX representing attorney XXXX XXXX. Attorney XXXX approached the stand and argued the case before the Judge without stating her name and affiliation with attorney XXXX, I told the judge that I was only behind in my payment to the attorney, attorney XXXX supported the false motion filed, I DID NOT Argue the case when she lied because I felt that I did not need an attorney that will file a false motion against me. After the case attorney XXXX gave me her business card and stated to me that if I had any questions, to call her. A few weeks later after we no longer had no attorney representation, we received a letter from the local attorney firm representing XXXX XXXX XXXX, the firm was the same name that was on the card that attorney XXXX XXXX gave me after the hearing I had for my attorney. The firm name is : XXXX XXXX XXXX / Attorneys at Law. My wife moved out the house do to the stress of our situation, we received another sell date and I had to file bankruptcy to keep from being charged on our credit with losing our property in Mortgage Forecloser and mortgage repossession. I filed complaints against both attorneys with the Virginia State Bar Association in XX/XX/XXXX, I waiting for a response. Please feel free to call me anytime @ XXXX. Sincerely, XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: i have not paid a mortgage since 2016 and i have a buyer who is willing to do a discounted payoff with Ocwen Loan Servicing. Due to the condition of the property i am lucky to have an offer at this time. The home has significant amounts of mold inside and out. The deck has been sited by code enforcement on more than one occasion. I do not want to take the chance of losing my buyer simply because the lender and/or investor is refusing to be reasonable. I thought that the lender was supposed to assist me with foreclosure alternatives. At this time, i feels as if the investor and/or servicer is n't doing what the government says they should do to provide me with foreclosure alternatives, i feel as if they are being unreasonable, by not allowing a review of a discounted payoff. I am desperate for help, and with no other option I am reaching out to you for help.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since XX/XX/XXXX, I have struggled with Ocwen changing the terms of my loan so that they were taking money from my escrow account. They force-placed home insurance on the property even though I had my own homeowner 's policy in effect with XXXX XXXX. I have called so many times that I can not tell you how many times. I have paid to meet with an attorney about this. I wrote several letters to Ocwen and I called Ocwen several times. Everyone I spoke with at Ocwen was very aggressive. I now have a homeowner 's policy with XXXX XXXX XXXX XXXX XXXX XXXX. I never had my home insurance lapse. Yet Ocwen billed {$590.00} per year to the escrow. I have also paid my own property tax in XX/XX/XXXX and yet Ocwen paid the taxes from escrow. My entire experience has been a nightmare.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 289XX
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1. Although I have along with my complaint, asked of XXXX to remove and stop billing me for the property taxes, it refused to. Instead, it instructs me to send a letter requesting the removal of the escrow account. I do not need them to remove the escrow account, because other fees may apply to it. My request is for Ocwen to stop billing me for my property taxes and to refund the amount it has billed and received. I will pay my taxes on my own. Ocwen overbills my account and always has more that was is owed to the tax collector in my account. Ocwen should not be earning interest on my money. 2. I was told by XXXX XXXX XXXX that I had a Ballon payment. Therefore, I began to pay extra money toward the Balloon amount. I asked Ocwen to tell me if the Balloon amount is the same as Deferred amount but it never responded to that question. If the Deferred amount is not the Balloon payment, I want all extra payments made toward the principal, to be credited to the Balloon Payment that is due at the end of the loan period. 3. Ocwen claims that on XXXX XXXX, 2017, it refunded {$680.00} but never provide me with a canceled check nor did it include interest earned for the said refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2018-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We originally fell behind on our mortgage when my husband had an accident and was unable to work due to a XXXX XXXX. We tried to get a modification and was unapproved. In XXXX XXXX they put us on a payment plan and told us to put {$10000.00} down and make payments of {$2500.00} a month for ten months ... We were now behind {$20000.00}. When we first started trying to get modified we were only behind {$6000.00} which was XXXX XXXX. We kept getting the run around with no answer until XXXX XXXX when we got a reply that that modification program had ended in XXXX XXXX. We started the payment plan with {$10000.00} down and made the payments on time and even paid more than was due. Hurricane came and Ocwen contacted me and told me due to the disaster I was eligible for the disaster plan which would give me three months no payments but I could still pay something on the loan if I had it. A month later I tried to make a payment and was told that I could not. When I asked why they said I defaulted on the payment plan. I told them that they put me on the disaster plan. They said that I did not qualify for the disaster plan after they submitted it. I asked why did no one contact me to let me know and they just apologized and said nothing could be done. I was then told they can put me on another repayment plan in order for me to keep my home. This time I needed to put {$8000.00} down on XXXX the XXXX and make a payment in the amount of {$3500.00} on XXXX XXXX. I told them that I can not afford those types of payments but they said that was the only option. I took a loan out on my car and paid the {$8000.00} but I cant afford {$3500.00} a month. My regular mortgage payment is {$1600.00} a month which I can pay with no problem. I asked them if they could take the {$10000.00} that I am behind and roll it into my mortgage as I have over {$60000.00} in equity andI was told no.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2018-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Because of the market crash and my home value decreasing so that I could n't sell it for what was owed and other personal harships, on XXXX XXXX 2013 My home was foreclosed. The 1st lienholder XXXX XXXX received release from the 2nd Lien holder GMAC to foreclose on the property. After foreclosure the 1st lien sold the home for the full mortgage amount. I called GMAC the 2nd lien holder to see what would happen at that point since they did not receive money from the sale. They said they filed bankruptcy and wrote it off. Within the next year I started receiving calls from a company called XXXX XXXX XXXX who said the debt was sold to them and they are collecting it. XXXX XXXX XXXX is showing this debt on my credit as an open mortgage with late payments every month. I did some research and I found that legally GMAC should n't have sold the debt if they filed bankruptcy and wrote it off but even if it is okay for them to do that, the Collection company since they were not the original lien holder can not show this on my credit as an open mortgage with late payments every month and continued interest etc ... I have filed a complaint with the 3 credit bureau companies and XXXX refuses to do anything about how it is being reported ; however the other two have updated it. My complaint is against XXXX XXXX XXXX and XXXX. Please help me in straightening this out. I understand the debt has to show on my credit report but at some point it will fall off but as long as it shows an open mortgage it will never come off and it looks like I am paying late mortgage payments every month and I am not.
Company Response:
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our mortage loan originated with XXXX in XX/XX/XXXX. It was two parcel 's in one purchase combined and escrowed conventionally as one loan for $ XXXX, deeded together as one. Currently, we 've been with XXXX XXXX for about 4-5 years and have had nothing but issues. We were previously with XXXX XXXX who sold us to XXXX XXXX. In the middle of the Ocwen/XXXX transfer we filed bankruptcy to save our house ( XX/XX/XXXX est ) due to the economy, which never went through because we found the money to pay our way out. In the middle of the transfer between mortgage companies Ocwen, foreclosed on us without our knowledge on the auction block due to back taxes that XXXX never paid. We got as far as the deed changed over to another person due to taxes not being paid on the parcel of land our house sits on. We have another parcel attached that our land only on that were purchased together in the original loan explained above. My husband fixed the deed with Ocwen by calling them every single day for roughly two months while threatening lawsuit and bad practice because we were foreclosed to the sum of $ XXXX estimate in taxes that XXXX XXXX never paid. After the " foreclosure '' we were forced to sign a refi agreement ( Obama plan- but the numbers were skewed and we could n't get an answer on why ) with Ocwen in order to keep the home and for them to " research '' the $ XXXX that XXXX never paid. We gave birth to our XXXX child in this time line and were terrified of being homeless with a new baby. To date Ocwen has still have not cleared up or given us documentation on this issue but only the explanate. It was considered " lost '' per their books, but the deed was corrected with the county by switching it back to our name and all was well in regards to the XXXX in back owed taxes ( we think )? We never have found where our money has gone in the past 12 years, but we still owe over $ 200k on our home when our original note was $ XXXX. The only money we know that was accounted for was the $ XXXX down payment we put on it as a down payment to XXXX. Fast forward to summer of XX/XX/XXXX and, we hit hard times with a medical issue with our youngest ( we now have XXXX children ages XXXX, XXXX and XXXX ) and were out of work 6 months while living in the hospital. We reached an agreement with Ocwen to go on a re-payment plan this fall to correct our back payment and signed off on a new amount for one year for double our payment to catch back up. We paid early, quickly and on time. We made two payments on this plan, one in XX/XX/XXXX and one in XX/XX/XXXX. We paid our XX/XX/XXXX payment, as agreed and everything seemed fine. We received a notice yesterday that our escrow is now more than double the amount of last year ( our taxes do not justify this ) and we owe $ XXXX as a payment. We called and they have no answer for us, everything is still offshored, and they returned our payment made on XX/XX/XXXX, a week or so ago without our knowledge or notifying us. There is no reason for them to return the payment as we now pay them out of a separate account because we are scarred from the nightmare we have had dealing with them and the money is still there. It now appears we are in default of our payment agreement and they have no explanation for the escrow amounts and now our land is showing a different address that is no longer escrowed with our house parcel which was all in the orginal note to begin with. We are supposed to pay the 10 acre land taxes out of pocket, which does n't make sense since we pay into an escrow per our original agreement 11 years ago. We ca n't get a clear answer, clarity or anything and know we are past the point of " fixing '' it. We feel a deep dive investigation in our case would find significant fraud, deceit, mistakes in accounting and monies owed on our account by various mortgage companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2018-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Ocwen recently started reporting Re-Aged Disputed Mortgages that had already been removed over a year ago due to the 7 year Limitation. The Accounts last reported delinquent payment was in 2009. It appears they simply removed the old Info and started re-reporting even with False information of a payment even though one was never sent and the Historical Information they provide clearly shows no payment has been received. The issue is compounded with trying to deal with XXXX. Even though XXXX has and was provided documents from themselves in the past they simply send back a letter saying Ocwen states they reported correctly ( Information is blank or conflicting ). The agents in the call centers have no ability to do anything but re-dispute. When I have been able to actually speak to a empowered person like a supervisor at XXXX XXXX for example they actually review the documents with me and clearly see the issue with a resolution. The XXXX agents appear to be not USA based and never allow you to even get to the Survey to complain. I have actually let my phone sit on mute for almost a half hour to be hung up on. This same issue has happened to my husband 2 times in the last few months again with OCWEN and XXXX. XXXX needs to fix its dispute system and OCWEN needs to be held liable for the abuse of its reporting
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A