Date Received: 2017-12-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen Loan Servicing engaged in dubious, illegal and patently fraudulent activity in pursuit of a foreclosure in XXXX State Supreme Court violating both the National Mortgage Settlement agreement with Ocwen, regarding servicing standards, and highlights the problems with Ocwen 's REALServicing platform as laid out in the lawsuit : CFPB v Ocwen Case # XXXX, US District Court , Southern District of Florida XX/XX/XXXX -- A " Denial for request of Mortgage Assistance, '' dated XX/XX/XXXX, was uploaded to the NY Court 's web system on-line during a mandatory foreclosure status conference ( mandatory appearance by plaintiff 's attorneys ). This was a fraudulent document given that defendants never applied for mortgage assistance. Blame was laid at the feet of an inexperienced young lawyer who had managed to gain access to the REALServicing system and obtain the document. XX/XX/XXXX -- Attorney affirmation by plaintiff 's lawyer stating the uploading of previous document was a " mistake '' XX/XX/XXXX -- Affidavit from Ocwen representative again stating " Denial '' document was mistakenly uploaded. XX/XX/XXXX -- Supplemental affidavit from same Ocwen representative reiterating that XX/XX/XXXX document was mistakenly uploaded. In response to two Show Cause orders XX/XX/XXXX and XX/XX/XXXX lawyers for two firms representing the plaintiff filed Affirmations in Opposition, respectively, that the mistake should be overlooked and that " ethics '' training had been instituted for all lawyers in the firm ( XX/XX/XXXX ) and that no real harm had been done to defendants ( XX/XX/XXXX ). Furthermore, in the XX/XX/XXXX filing plaintiffs attorney indicated that the REALServicing system had flagged the case and that no further modification-related communications with defendants would be initiated. Plaintiff 's lawyer stated that " Ocwen 's Records Are Accurately Kept, Maintained and Available To Their Foreclosure Firms. '' Plaintiff 's lawyer also stated ( XX/XX/XXXX ) that " care was taken to ensure that the offers were not sent, given Defendants ' clear position ''. XX/XX/XXXX -- Despite the aforementioned affirmation a packet of information, dated XX/XX/XXXX, was received by defendants. It was a " You Are Approved for a Loan Modification Trial Period Plan. '' Again neither defendant nor their attorney requested this modification.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2017-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I 've been dealing with this situation since XXXX. I 've negoiated and paid them, only to have them contrive fraudulent payment history. At one point, I over paid them and filed litigation in XXXX XXXX against more than 25 defendant, over half being " secrete '' insurance companies. After the first court hearing, OCWEN advised they would honor my Due Process rights as well as answer the mandatory 12 USC 2605. I dismissed without prejudice my case but the defendant FAILED to comply. The attorneys contrive fraudulent claims they are processing the MANDATORY QWR but fail to do so. Then every 6 months to a year, they file, WITHOUT NOTICE to myself, a new foreclosure action, hoping I 'll miss it and they can get the court to " Sneak it '' thru the system will violating 12 USC 2605 and blocking me from ID litigation parties and filing a lawsuit against the proper parties instead of more than 25 defendants, unless all 25 defendants are guilty.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2017-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: FRADULANT CLAIMS OF SECURITES FRAUD, DUEL TRACKING, ROBO-SIGNING, CONSPIRACY TO COMMIT A VIOLATION OF VIOLATION, CALIFORNIA FALSE CLAIMS ACT. FROM XXXX OUR PROPERTY XXXX XXXX XXXX XXXX XXXX CA. XXXX WAS SUBJECT TO CRIMINAL INTENT TO DEFRAUD REGULATIONS AND SECURITIES OF OUR CONTRACTED PROPERTY XXXX # XXXX RECORDING FARDULANT DOCUMENTS AND CLAIMS IN THE XXXX XXXX RECORDERS OFFICE AND THE SECURITES EXCHANGE OFFICE WITH FALSE NOTICES OF DEFAULTS FOR INSURANCE CLAIMS.FALSE CLAIMS OF TRUSTEES DEED UPON SALE WITH XXXX DIFFERANT TRUSSEE 'S CLAIMING THE SAME PROPERTY AT THE SAME TIME OF FRAUDULANT SALE. OUR PROPERTY WAS PURCHASE IN XXXX AND A FULL RECONVANCE FROM OCWEN AND XXXX WAS RECIEVED IN XXXX ONLY TO HAVE A PROPERTY SOLD FROM UNDERNEATH US BY OCWEN, WHO CLAIMS TO BE OUR SERVICER FOR OUR MORTGAGE WHICH OCWEN ENTERED INTO A PURCHASE AGREEMNET IN XXXX FOR BOTH THE XXXX AND XXXX LIEN ON PROPERTY IN WHICH WE ENTERED INNTO A MODIFICATION AGREEMNET WITH XXXX XXXX AND XXXX BANK, WHICH OCWEN TOOK OVER IN XXXX ONLY TO HAVE OUR HOME OF 23 YEARS STOLEN FROM US. DOCUMEENTS OF INTEREST # '' XXXX XXXX XXXX XXXX XXXX FALSE TRUSTEE DEED # XXXX XXXX FRADULANT ASSIGNMENTS # XXXX, XXXX XXXX XXXX WE ARE DEMAANDING A FULL INVESTIGATION ON OUR SECURITIES FRAUD CLAIMS, WITH CRIMINAL INTENT FROM OCWEN XXXX XXXX AND XXXX, AND THE XXXX XXXX AFFILATES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX AND ATTORNEYS WHO FALSIFIED CHANGE OF TITLE AND CALIFORNIA FALSE CLAIMS ACT.AND DAMGES FOR VICTIMIZING OUR FAMILY AND PROPERTY.
Company Response:
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2017-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX I was told I that all my information was being viewed for modification and any foreclosure procedures were on hold. I had an auction date for XXXX XXXX. I received a letter on XXXX XXXX that my modification couldnt be approved because my house had a sell date with in 7 days.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2017-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: For two or so years I have been trying to get a modification on my mortgage. I became ill and got behind for two years they ask for paperwork and applications. I always get a letter saying my package is complete and a few days later they request a copy of something I already sent or they cant find it or read it. I started emailing a copy, and sending the original by mail. Still they loose something. They also request updated financial records cause it takes so long that the dates expire. I got so frustrated I got an attorney to send a copy also. Still they pulled the same stuff on them. Mind you the clock is ticking and Im closer to foreclosure. I went to my second to last court date where I was informed by their attorney that I wasnt approved because they didnt have my taxes. One thing they never asked for. I was also Informed I missed out on qualifying for an Obama loan and a loan for XXXX people. Plus I coulda got a streamline loan back when I was 3mos behind but I was never Rd offered one and didnt know it existed! but now its too late. I was given an extra month to get financing done if I agreed to sign a paper letting them foreclose. I didnt get a modification even though this time they had my taxes, in fact I was sending the papers by email and was blocked and found out I had to send the papers in a PDF. I told them by phone I would have my attorney do it. Which they did 3days later. I got an e mail the same day I was blocked thanking me for the paperwork and saying my package was complete an it could take a while before they made a decision. I sent a reply saying how amused I was cause they blocked my paperwork and my attorney was going to send it to them in the next day or so, I also added that my package couldnt be complete cause it was never recieved! Shortly after I was denied. I called and asked why cause the email they send with the reason was encrypted and I couldnt open it. I was told that it costs the company a lot of money each time they do a modification and they had no intension of approving it. Now I am trying to get a new mortgage but because my house is my place of business no one will give me a mortgage and I shouldnt have gotten one, I should have got a business loan. My current loan with OCWEN only shows the house the Barn an indoor arena dont exist per the way the Mortgage was written. I have till XXXX-17 to get a new loan of some sort either business or personal loan to catch the payments up. HELP!
Company Response:
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been dealing with Ocwen sinceXX/XX/XXXX regarding being behind on my mortgage and was never offered a repayment plan in this process. I can apply for a Hardship with my 401K Plan but need a Demand Letter or Notice with specific language as how many days or months the loan is in default, the amount I need to pay in order to avoid foreclosure proceeding and a future date in order to bring the account current. I have been corresponding the past month with XXXX, an Escalation Manager at XXXX, ext. XXXX. We spoke on XX/XX/XXXX and I stated to her that I would fax over the 401K Guidelines. I faxed over the document on Wednesday, XX/XX/XXXX in order for me to be approved for the Hardship ( I was previously denied in XX/XX/XXXX ). I was off from work for two days due to my mother pre-op appointments. I spoke with XXXX to discuss the faxed information in regard to her submitting the information for me to receive a letter and an updated Reinstatement Quote. To date, I only received a Response Letter and a Reinstatement Quote which shows different amounts that I owe. I can not submit that because the money amounts do not match. I called on Tuesday, XX/XX/XXXX and requested the same Notice or Demand Letter with the specific language. I was told that the request would be put in. Why? This should have already been put in the system. I then called on XX/XX/XXXX for an account update and spoke to a Customer Service Rep. and requested to speak to an Escalation Manager. He listened to my request of what I needed from XXXX and he noted this in the account as he stated. This is why Ocwen was sued because of mishandling of accounts. My Servicer was changed but Ocwen still services the loan?
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My Homeowner Insurance Company mailed the check to repair my roof and ceilings to my Mortgage company Ocwen Loan Servicing LLC. The Check was mailed to me from Ocwen to endorse so they could send the funds to me so I could replace the roof on my home and repair my water damaged ceilings. Prior to me sending the check by XXXX I called Ocwen claims dept and was told to submit a letter stating I was requesting private repair to replace my roof and repair the ceilings. I have not received the check as of XXXX. 2017 I called Ocwen today and I was told by XXXX XXXX XXXX, with Ocwen Executive resolutions that since I was delinquent on my mortgage and Ocwen was processing my mortgage modification request Ocwen will not send me the Insurance check to repair my home and I would have to have a License Contractor for them to send the check for me to repair my home. I 've spoken with the persons whom I want to fix my house and they are ready to do the repairs. I feel Ocwen is discriminating against me, my neighbors also has Ocwen as their servicer and they had claims and they allowed them to pick who repaired there houses and they too were in processing with Ocwen for mortgage modification.
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2017-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Adjustable rate mortgage payment increased from {$3600.00} to {$9000.00}. Have never missed a payment or been late in 13 years, but ca n't refinance because we do n't have 2-years employment history, so a loan modification is the only option. We 've been in the Ocwen " Request for Mortgage Assistance '' process since XX/XX/XXXX, and provided all the requested documentation by XX/XX/XXXX. It takes Ocwen 2-3 weeks to review documents, and on three separate occasions they have requested the same document that is already in their possession. It 's impossible to reach a representative who can or will review the paperwork and sign off, and we have n't even made it to the underwriting/remodification stage. It appears that Ocwen 's strategy is to appear like they are trying to process loan modifications, while relying on purposely inefficient processes to maintain the status quo. I know for a fact it would n't take this long if they were processing a new loan application. In the meantime, our mortgage payment increased by 2.5x and {$5400.00}. We ca n't survive much longer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2017-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen claims it sold my house to XXXX XXXX via a foreclosure auction in XXXX XXXX. XXXX XXXX subsequently filed an action trying to evict me in XXXX XXXX XXXX. I have been fighting them in court ever since. I have been represented in that action by XXXX XXXX XXXX XXXX since XXXX of XXXX. In XXXX of XXXX, Fannie Mae switched its counsel from XXXX XXXX to XXXX and XXXX. When XXXX became new counsel, they stated that XXXX XXXX and its servicer Ocwen were willing to evaluate me for a loan modification. They asked that I submit a Request for Mortgage Assistance package. I submitted a package with pages and pages of supporting documentation in XXXX XXXX. Over the next two months, Ocwen, through counsel requested additional documents three separate times. Each time I promptly provided them with what was requested. On XXXX XXXX,, my attorney received a letter from Ocwen ( which was dated XXXX XXXX, XXXX ) via email from an attorney from XXXX. The letter ( which is attached ) said that Ocwen could not offer me a loan modification because my loan was post-foreclosure. However, Ocwen and XXXX XXXX knew this all. I do not understand why they asked me to submit an entire application, and rounds of supporting documentation if they were going to deny my application for a reason they knew all along. There is absolutely no indication they ever did any sort of individualized analysis based on my income and debts. My attorney contacted the attorneys at XXXX right after she received the letter from Ocwen and told them how she did n't understand why Ocwen would say they would review me ( and ask for so many documents ) if they were going to reject me for the fact that the loan was post-foreclosure. The XXXX attorneys did not respond to her emails or voicemails. On XXXX XXXX, XXXX, I encountered an individual outside of my Property trying to take measurements. When I asked him why he was there, he stated that he was trying to assess the property for a pending sale. My son XXXX then discovered a listing for the Property on XXXX, which states that the Property has been under contract since an auction on XXXX XXXX, XXXX. ( I have included a copy of the listing. ) I realized all the while that Ocwen and XXXX XXXX said they were considering me for a loan modification, they were trying to sell the property. Ocwen 's and XXXX XXXX 's actions are all the more upsetting to me because my ex-husband and I were once offered an affordable forbearance plan ( in XXXX ) and then the former servicer ( XXXX ) kicked us out of the plan because my ex messed up a payment by a penny. I begged XXXX to let us make the proper payment and remain in the plan but they refused. Neither XXXX nor Ocwen has ever done an individualized loan modification analysis, taking into account my actual income and debts, since that point and time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2017-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: When I make payments they are not processed properly so that it shows I am always late by a few dollars and New late fees are added. I pay those fees to just get rid of them and then next month there are new fees and they tell me the additional money paid was either put towards principle or in escrow by mistake. A mistake is once not over a time of 2 years. This is clearly a purposeful, illegal violation of my rights. I am stuck and do not know where to turn. They have wrecked my credit and no matter who I talk to it never gets resolved. Most recent, monthly bill was XXXX was told was late 2 months. I said pay what I need, they said XXXX. I said ok, then 10 min later on same call, oh you didnt owe that, you owed XXXX. I said just put the extra towards principle and then the regular amount will be due XXXX before the XXXX. I get the paper statement for the XXXX payment and its for XXXX with another XXXX in late fees and more bad credit reporting. Please help!
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A