Date Received: 2017-11-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Since XXXX XXXX, 2017 I started submitting all requirements for Loan Modification to XXXX XXXX XXXX, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of XXXX XXXX XXXX is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional and continuously documents for the modification to be approved and they always said that it is still in the underwriter for review but it is already eight ( 8 ) months until to this date, I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Ocwen regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available at law by recouping and their mortgage servicing doesnt want to accept my request for Loan Modification. I had complied with Ocwen requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Ocwen have not dealt to me in good faith until this moment.
Company Response:
State: TX
Zip: 78504
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: IN 2009 MY XXXX, XXXX AND XXXX MORTGAGE ACCOUNT WAS TRANSFERRED TO OCWEN LOAN SERVICING, DUE TO FACT XXXX XXXX XXXX WENT DEFAUNCT XXXX XXXX, XXXX. AS A RESULT OCWEN LOAN XXXX IS TILL REPORTING AS A DUPLICATE MORTGAGE ACCOUNT ON XXXX XXXX XXXX AND THIS IS THE LAST TIME I AM ASKING, BUT WILL SUE FOR VIOLATION OF THE FCRA, TILA AND FINALLY VIOLATING THE : DODD-FRANK ACT 2009.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage has gone up XXXX dollars this year and they still cant give me a reason why. I had a steady rate with them.
Company Response:
State: NY
Zip: 11421
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: on XX/XX/XXXX I had applied for a modification approved at an extended 40yr note I was not looking to be XXXX and steel paying on my loan. I had fallen behind on my payments for XX/XX/XXXX a partial payment as I was making a repayment plan fail to make a payment to repayment plan on time and there for it was removed I have been trying to redo the repayment plan and they keep denying it until XX/XX/XXXX I spoke to a rep and he said I would qualify for a repayment plan down payment would be {$4100.00} I agree to pay on XX/XX/XXXX I called to notify I would be making the deposit and relationship manager said it was denied she would had to resubmit I called again they said it was denied in total submissions it was 5 last one came back to me I need to pay {$6100.00} on XX/XX/XXXX then she called back later it had been denied again due to submittal by previous R/M was calculated wrong she would submit again as I explain to her my interest was not due to change until XX/XX/XXXX so she submit again then R/M called me on XX/XX/XXXX to advise it had been denied for the XX/XX/XXXX just when I had put the {$6100.00} together again my loan was setup on a modification trial plan for three months my first payment will be XX/XX/XXXX I had not other repayment plan available due to my loan in the FC process as they ate all the time on submittal and denials..I am so nervous of this trial plan not good reviews on the Ocwen trial plans online and as of today I had not received no paper work they have been working on it for over two weeks ... ... on the online reviews customer lost a home as they came back to her three months later informing her she did not qualify for the modification ... .my question is what takes to get the final modification approve or denied?????? I dont want to loss my home OR SELL MY HOME and they know I have a good equity on my home ... I would like for OMBUDSMAN DEPT HELP ME ... .OR SOMEONE TO HELP ME ... ... .I WANT FOR SOMEONE TO ASSURE ME THIS MODIFICATION IS GOING TO HAPPEN AFTER THE TRIAL AND NOT ONLY KEEP EATING TIME ... TO KEEP MY HOME ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76087
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX the legal counsel for the alleged owner of my mortgage and note served by US Mail a 'Notice of Default ' on my mortgage. This notice quotes their compliance with the FDCPA and among other things lists five ( 5 ) specific items. Included is the name of the alleged debt/note/mortgage holder and my 'right ' to dispute this within 30 days. The true owner and holder in due course of my note and mortgage has been in dispute for over 6 years, and in an effort to establish the facts that would help me to understand 'who ' really has a legal claim against my note/mortgage, I formally responded to the request from the allege lender 's legal counsel, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , SC XXXX. " Notice of Dispute and Demand for Validation of Debt and Proof of Claim, on XX/XX/XXXX. This request was signed for and delivered to the law firm mentioned above within the 30 days allowed to respond. As of the filing of this complaint, XXXX XXXX XXXX XXXX XXXX has not responded to my formal dispute/request and has proceeded with the attempt to foreclose on my home. In addition, XXXX XXXX XXXX XXXX XXXX has served me with a formal foreclosure, Interrogatories, Production of Documents and Admissions, all of which have been answered in a timely manner by myself. I am representing myself Pro Se as I do not have the resources to defend myself in any other way. This law firm is acting upon the direction of OCWEN LOAN SERVICING, LLC and indirectly XXXX XXXX XXXX. They are clearly a licensed 'debt collection ' company here in SC, and should be accountable for their actions.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Used credit without consent XXXX XXXX GMAC Residential XXXX XXXX XXXX mortgage XXXX, City of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amounts are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GMAC Residential Holdings XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 27886
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To whom it may concern : Back in XXXX XXXX to XXXX reached out to me to help with my mortgage, after doing research recently with the XXXX it looks like XXXX XXXX XXXX is contracted and works with Ocwen to contact homeowners. This is illegal because XXXX to XXXX contacted me at my place of employment and I did not hand over my work contact information. In any event I went through the steps with them and singed over authority to contact Ocwen to receive access to my file. I provided XXXX to XXXX the necessary information and was informed by them that yes my monthly expenses should be looked at when under a review for a loan modification. All in all the modification that came back was unacceptable. The mortgage payment should be lower with P+I+ taxes.and within 31 % of my monthly income. Whatever they have to do the principal needs to be reduced to go along with the homes current value. I tried to appeal this with XXXX to XXXX and they refused to go back to Ocwen telling me I received the best modification going. REALLY for who, XXXX XXXX?? Because of this and getting XXXX to XXXX involved they took it upon themselves to turn around and deny the modification on my behalf which I did not authorize XXXX to XXXX to do,. I requested XXXX to XXXX to go back and negotiate a lower payment for me which they did not obviously at a rate of {$2900.00} payable to XXXX to XXXX. Now I received documents from Ocwen stating that there are NO MORE modifications available for my mortgage. Grant it I have been fighting for the past 9 years with Ocwen and in XXXX XXXX this year the CFPB finally sued Ocwen and it was settled over the summer and I have yet to receive information about this law suit. ESPECIALLY WHEN THE LAW SUIT CONCERNED FAMILY MEMEBERS INHEIRTING HOMES AND MORTGAGES FROM ESTATES WHICH I HAVE AND OCWEN SHOULD BE ASSISTING HOMEOWNERS AND OCWEN IS NOT DOING THIS.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: issue started XXXX due to work unemployment ..since then have been involved with multiple servicers and banks,, now XXXX XXXX and ocwen are attempting a loan modification.. on XXXX/XXXX/XXXX they want 3 payments of circa XXXX dollars and will not tell me what happens next.. but ocwen is known for doing this bait and switch .. i am only talking to over seas debt collector types that do not care about XXXX citizens .. yes this is yet another complaint about ocwen and all there underhanded tactics
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX 2006, I took out a XXXX fixed rate mortgage @ 7 % upon getting divorced and having to refinance. That loan was sold to Ocwen Loan Servicing company. I have never missed a payment but was trapped in this mortgage due to the housing market collapse, and resulting loss of equity and inability to refinance. Ocwen did not offer any options and it was impossible to get a real person to answer the phone. I eventually noticed that my principle did not seem to be declining at a rate that I expected, and asked for an amortization schedule. They finally provided this after many months, but he schedule showed that the loan would have a {$200000.00} balance after 30 years of payments. When I tried to contact them about something being wrong with the mortgage principle pay down, I never received any response. I am currently trying to sell my house. After over 11 years of payments, they show on my statement that I still have a XXXX principle balanceI checked several amortization calculators, and they all indicate that o should have closer to {$350000.00} principle balance. I called them today but could not get to talk to a real person about this. The person I did get in touch with said that I had to write this all up and fax it to a number! I dont have access to a fax! I will have to write it up and go to a XXXX office or something. Plus, they said it would take 10 days or more, an do have no confidence they will even respond in that time frame, and I have an offer on the table for my house, which I need to decide upon based on the payout.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX: Title search was performed on subject property address under agreement to be sold. Closing was tentative foXX/XX/XXXX Title search conducted by XXXX XXXX XXXX XXXX Title Examinations. Title report showed issue with title. An improper discharge filed in Book XXXX, Page XXXX ; release should have been signed/issued by XXXX XXXX, as assigned in Book XXXX, Page XXXX.XX/XX/XXXX: Seller 's attorney contacted Ocwen/XXXX XXXX. No update provided. XX/XX/XXXX : Still no update provided by Ocwen on discharge. Resulted in extension for time performance and further delay of closing dateXX/XX/XXXX : Ocwen prepared discharge of mortgage requested ; however, it was improperly prepared and still inadequate to clear title issue. Title examiner requested proper change.XX/XX/XXXX : Ocwen contact stated discharge would be recorded to Registry of Deeds. Never recorded.XX/XX/XXXX : Still no update or filing from Ocwen. Closing has been delayed nearly one month. Delay is causing hardship on buyer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A