Date Received: 2017-11-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen Loan Servicing on behalf XXXX XXXX XXXX Successor Trustee to XXXX XXXX XXXX XXXX Successor Trustee to XXXX XXXX as Trustee under the Pooling and Servicing Agreement Dated as of XXXX XXXX, XXXX XXXX XXXX XXXX. Foreclosure XXXX CH XXXX in the XXXX XXXX XXXX XXXX, XXXX XXXX, IL. Property : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Allegations : Mortgage Fraud, Criminal Tampering with the Court File, Taking without Just Compensation 5th Amendment of the US. Constitution, violation of the 3rd Amendment of the US Constitution ; insurance fraud, and taking of my property in order to avoid XXXX claims on alleged debt that was admitted unsecured in the XXXX XXXX in the US Bankruptcy Court, XXXX XXXX of Washington. 3 fraudulent assignments of mortgage within 10 years, the most recent was entered into Chapter XXXX bankruptcy XXXX XXXX, US Bankruptcy Court XXXX XXXX of Illinois. STATEMENT OF FACTS 1. On XXXX/XXXX/XXXX, XXXX was compelled to purchase this property, which was not built in compliance with state and federal laws, and building codes. The construction was approved by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Enforcement Officer and Village Engineer, who was not licensed to practice engineering in the State of Illinois - and where the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were being sued by XXXX XXXX [ Another builder ] for Racketeering. This property was issued a fraudulent XXXX of XXXX. 2.The property borders federal wetlands and is sinking. the wetlands are breaching and destroying the XXXX XXXX XXXX Subdivision, including streets, other homes, and common areas, in addition to my property. Both Ocwen and my structural engineers agree that the property has severe latent structural defects, and is uninsurable. Sinkholes are developing and are posing hazards to the health and safety of the residents in the subdivision. 3.On XXXX XXXX, XXXX, an Amended Complaint for Foreclosure was filed, for plaintiff " XXXX XXXX XXXX '' - which is not a legally cognizable entity. The complaint was never dismissed or refiled. In XXXX, XXXX XXXX XXXX " substituted '' the plaintiff that does not exist for a plaintiff " XXXX XXXX XXXX '' which is a Trust that entered an agreement in the XXXX XXXX, [ XXXX XXXX XXXX Washington ] and accepted {$200000.00} as a general unsecured claim. 4. On XXXX XXXX, XXXX, I discovered that my mortgage had been released XXXX/XXXX/XXXX. A title search performed by XXXX XXXX confirmed that no valid morgtage has existed on my property since XXXX/XXXX/XXXX. 5.The XXXX XXXX XXXX XXXX XXXX Chief Appraiser admitted my property is " uninhabitable and unmarketable, '' with a fair market value of {$25000.00}. ( As opposed to {$350000.00} as " sold '' at the judicial foreclosure sale. ) This admission occurred XXXX XXXX. XXXX XXXX, the XXXX XXXX XXXX XXXX changed the designation of my case from " residential '' to " non residential foreclosure. Under Illinois law, this designation permitted Ocwen to evict me from my home, since XXXX, without waiting for a judgment of foreclosure to occur. Two trials that have occurred are a sham. In " Judgments '' entered after two trials, both refer to my property as residential. This inconsistency can be viewed as the Court acknowledged the non-residential designation in the transcript at the start of the first trial. The XXXX judicial circuit court had already decided to give my property to the alleged plaintiff before the first trial began. 7.I have reported the soil pollution and the breaching federal wetlands to the Illinois EPA in XXXX and again in XXXX. This property subjects Ocwen/Banks to liability under XXXX. 8.I have reported to the Illinois Attorney General in XXXX and XXXX, and the New York Attorney General twice, the Federal Reserve XXXX the Office of the Comptroller of Currency, and this CPFB twice before. The end result is that tomorrow the XXXX XXXX XXXX Court will confirm the sale of this hazardous property with latent structural defects " as is '' without disclosures. This is unconscionable. 9.I believe Ocwen intends to commit insurance fraud with this hazardous property, because in a letter dated XXXX XXXX Ocwen alleges XXXX Thank you for providing the requested evidence of insurance coverage. '' I never insured the property after XXXX, because the latent structural defects render the property uninsurable. '' 10.The Escrow Statements are not accurate, or consistent with what Ocwen testified under oath to in the second trial for XXXX ch XXXX. 11.Further, in order to stop the fraudulent sale, I declared Chapter XXXX bankruptcy XXXX in the XXXX XXXX XXXX XXXX XXXX District of Illinois. XXXX XXXX of XXXX XXXX contacted me via phone, in order to settle all claims I had against Ocwen. I retained attorney XXXX XXXX XXXX for settlement purposes only, and voluntarily dismissed the Chapter XXXX. After filing a motion to substitute for XXXX XXXX XXXX, XXXX XXXX withdrew the motion. 12.I later learned through recorded conversations with Ocwen, that a trial modification offer had been pre-approved, but was never presented to my attorney by XXXX or to me. My attorney XXXX XXXX sent a settlement demand to Ocwen, to settle all claims and to leave the home within 120 days for {$150000.00}, but XXXX XXXX of XXXX XXXX XXXX presented the demand as a " short sale '' offer, which was declined by Ocwen. I gave XXXX XXXX a settlement demand on XXXX XXXX, XXXX, which she alleged to have presented to Ocwen, but Ocwen has no record after the {$150000.00}. 13.Further, XXXX and Ocwen represented to me the the new foreclosure sale date was postponed to XXXX XXXX, XXXX. However, the XXXX XXXX XXXX XXXX XXXX " confirmed '' that the sale date was still XXXX XXXX, as evidenced by the computer screen shot that I have included with the evidence. On XXXX XXXX, evidence that the XXXX XXXX XXXX " postponed '' the sale date was in the Court file. Because the sale date was actually XXXX XXXX, XXXX, I was again compelled to declare Chapter XXXX bankruptcy on XXXX XXXX, XXXX. XXXX schedules list the alleged debt as unsecured, but the Court decided the debt was secured without requiring proof of claim, and despite the fraudulent " assignment of mortgage '' - I have noticed the appeal and the District Court has directed the Banktruptcy Court to send the case directly to the US Supreme Court , where I am preparing to timely file a Writ of Certiorari. The Trustee could not abandon property where the court has been aware of the latent defects and hazards since XXXX. XXXX. ( Same parties, same court - Ocwen bought XXXX XXXX XXXX. XXXX XXXX of XXXX XXXX XXXX filed the fraudulent " Corporation Assignment of Mortgage, '' and I reported this to XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX indicated she would notify the States Attorney, but the States Attorney has already taken a video statement from me and refused to prosecute mortgage fraud and tampering with the Court files. I filed police report 16.In an envelope postmarked XXXX XXXX, XXXX, I received notice of Codilis Motion to Confirm the Sale, with proof of publication, alleged to have been filed on XXXX XXXX, XXXX. However, the Court file for XXXX contained no such documents on XXXX XXXX, XXXX. I ordered a copy of the complete Volume 12 of the court file on XXXX XXXX, XXXX and picked it up on XXXX XXXX, XXXX. I photographed my copy and the court file together, and the most recent date of the file was XXXX XXXX, XXXX. XXXX ILCS 5/15-1507 ( I ) ( 3 ) requires notice of the publication to be served on all parties, and I was never served this notice. This is evidenced by the fact that no service of notice of publication is evident in the Court file as of XXXX XXXX, XXXX. 18.There 's much more - Ocwen offered XXXX Mortgage Assistance Resources '' via letter dated XXXX XXXX, XXXX, but has repeatedly indicated that I would be contacted by a staff attorney to discuss options. Each time I followed up on the request via phone, Ocwen stated it would be a few more days and to call back if I did n't hear from them. Yesterday, Ocwen told me a staff attorney was not assigned to my case. Today, Ocwen transferred me to the " Ombudsman '' who said they would " review '' whatever documentation I sent to the CPFB. If the XXXX needs more documentation, I have XXXX years worth. 19. A consent judgment for breach of contract and breach of warranty was entered for this property in XXXX, for {$420000.00} in XXXX in XXXX XXXX XXXX Court. This was approved in the Delaware bankruptcy court in the XXXX Homebuilders bankruptcy. Further, this property was the subject of a federal lawsuit involving XXXX XXXX. Whatever information you need, I have it - As added injury, FCRA and TILA - Regulation X / Z issues abound. I recently was denied credit, in part because there no longer exists any record that I have ever owned real estate, contained in my credit report. RESPA notice of the Ocwen purchase of XXXX was sent to an attorney who was no longer representing me. I will appeal tomorrow 's ruling, if the sale is confirmed, all the way to the US Supreme Court, on the heels of the Bankruptcy appeal. I spoke with Ocwen 's " Ombudsman '' XXXX XXXX - I now recall an earlier conversation I had with her, without result, during settlement discussions. During my conversations with Ocwen in XXXX, there existed no record of my settlement discussions with Ocwen. The XXXX discussions evidenced that XXXX XXXX presented the offer to Ocwen as a short sale offer, but I now believe that it may have been at the direction of XXXX XXXX, in the Ombudsman, and have attached the emails. Further, the property taxes have now been fraudulently inflated, and an " Ocwen FSB '' is committed to pay the taxes, despite reporting to the SEC that it " debanked '' in XXXX. My primary concern is that the Public is protected from the hazards, and that the house is never permitted to be re-sold. This is a taking without just compensation and a violation of my 3rd amendment rights, as the Court has unlawfully placed itself in my house for nine years without my consent. Although I was entitled to numerous settlements with Ocwen, XXXX, XXXX XXXX XXXX, etc, I received a compensation of about {$400.00} total from the Federal Reserve 's enforcement action against Litton Loan Servicing, and spent approx $ XXXX on attorneys fees, paralegal fees and costs. Please, do something. Previous CPFB Complaint ( s ) XXXX
Company Response:
State: IL
Zip: 60046
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: Following upon my recent and still open complaint ( # XXXX ) against OCWEN, I am filling a second complaint to now document the predatory business practices and intimidation techniques that OCWEN is pursuing to attempt to foreclose on my home despite the fact that they have no legal right to do so. Let me start by saying that I have been successful in being granted and agreeing to the trial period for mortgage modifications 2 times over the last several years, have been made predatory lending offers which I could not accept 2 more times, as well as having applied and been denied 3 or 4 additional times. And throughout all this effort spanning 3-4 years, OCWEN consistently sends what can only be intentionally intimidating communications to both threaten and enact initial foreclosure proceedingswhich are in total contradiction to the communication you simultaneously receive from OCWEN through its Customer Relationship Managers, Escalated Case Management Specialists, or Consumer Account Analysts in the Office of the Consumer Ombudsman. The resulting affect is a profound level of uncertainty and confusion amongst its most vulnerable costumers, an environment in which OCWEN is better able to aggressively pursue its predatory foreclosures. I have repeatedly addressed this with people at all levels at OCWEN over the years, wondering how hard it would be, once a client has entered the Mortgage Modification pathway with them, to stop their very intimidating and misleading foreclosure communications, including robocalls that at times occur 4-5 daily. But the reality I think is that they are nothing more than a huge automated foreclosure mill where actual employees often take a backseat to the automated actions the company takes. So its within this context that yet another version of this is all playing out again. Despite 1 ) failing to answer the questions that I posed ahead of the deadline and which I need answered to move forward, 2 ) thus far ignoring my request for an extension, and 3 ) in the past, over many years, being very vocal that these deadlines were flexible as needed and that one had only to ask for additional timeOCWEN had nonetheless cranked up their automated foreclosure machine yet again. I have now received in the past week 1 ) a formal letter ( " Decision on Your Request for Mortgage Assistance '' ) falsely claiming to document that I failed to respond to their offer before the deadline, 2 ) a huge packet to re-apply for their Mortgage Assistance Program as though I have not already done this and a resolution pending, 3 ) an " Initial Due Diligence Letter '' or " Notice of Default '' claiming my account is past due, threatening foreclosure, and attempting to trick me into paying them to bring the account currentwhich amounts to extortion, and finally 4 ) a " Pre-Foreclosure Referral Letter ''. This final communication however suffers from several misleading claims which I believe are intended to obfuscate and confuse : A ) that " the last full mortgage payment on [ my ] account was XX/XX/XXXX '' ( NOT TRUE as I paid them again on XX/XX/XXXX the {$2500.00} amount that I was instructed to by them which was the same amount I had paid each month of the trial period ), B ) that " the account is paid through XX/XX/XXXX '' ( NOT TRUE as I have in fact paid them 4 additional mortgage payments since then for approximately $ XXXX/month, and totaling approximately $ XXXXfurthermore, this claim would seem to directly contradict their first claim that I made a XX/XX/XXXX payment as well at least ), C ) that the accounting numbers they provide are in fact an accurate financial reflection of my current account status ( NOT TRUE as nowhere in these numbers do they give me credit for the approximately {$10000.00} I have additionally paid them during this same timeas though it never happenedallowing them to now somehow claim that I owe them {$7100.00} to bring my account current, despite my making every payment on time, when in fact the only amount they might be able to legitimately claim I have not paid is the approximately {$300.00} each month that OCWEN chose to lower my monthly payment during this period for the trial modification, amounting to something like {$1200.00} over these 4 months ). But the insanity of this only becomes fully visible when we recall that 1 ) I only needed this second mortgage modification and went through all of the tr ouble to get it completed because of OCWEN 's acknowledged error in neglecting payment of my property taxes through the escrow account they maintain on my behalf, putting the property at imminent risk of immediate seizure by the government, 2 ) that I had not requested a lower monthly payment and had indeed stated the opposite that I did NOT need them lowered, receiving one from them irregardless of these facts, and in so doing making it even possible that there would be any discrepancy in the amount of my payments during this period. To then follow this updespite all of my good faith efforts to help them to correct their mistake and ignoring for the moment their history of predatory treatment of me as a customerby failing to respond to my timely and necessary questions and instead stonewalling me with zero response for 2 straight weeks now and simultaneously pursuing foreclosure, starts to look a lot like entrapment.
Company Response:
State: CA
Zip: 947XX
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX submitted a complete modification package to Ocwen ON XXXX-2017. Ocwen is refusing to review his file .Our office called the Ombudsman department and they refused to look into the matter .there is no tangible reason why OCWEN is not reviewing the file .They are refusing to give a qualified homeowner the opportunity to say his home .XXXX XXXX feels as if he is being discriminated against based on his race, ethnicity, and national origin .Ocwen is sitting on a complete loan modification package. There is no reason for this type of negligence. By unreasonably and unnecessarily delaying his modification request, he continues to get farther and farther behind on his mortgage payments. Practically speaking, it can only be inferred that Ocwen is pushing him farther into delinquency and foreclosure. By Ocwen refusing to consider XXXX XXXX requests in a timely manner, they are negating any opportunity for him to save the home. They are denying him the workout request based on inaccurate information and refusing to take remedial steps to provide a him with a solution. The events described above are just a sample of the practices that are taking place at Ocwen. Ocwen appears to be more interested in foreclosing on his home and fire selling it at auction to make a profit. It appears that XXXX lack of participation in a meaningful modification review of his file indicates a preference to profit directly from XXXX XXXX hardships. XXXX XXXX is demanding the Ocwen review his file or he will file a complaint in district court.
Company Response:
State: NC
Zip: 28546
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: In 2015, I retained California attorney XXXX XXXX who filed a lawsuit against Ocwen Loan Servicing. During pending litigation Ocwen Loan Servicing attorney XXXX XXXX presented a increased loan modification offer that I never applied for increasing the bogus principal balance to {$660000.00} with 2 % interest rate and a shady settlement releasing Ocwen from any liability. I declined the offer then dismissed the lawsuit without prejudice because of all the harassment and threats which was causing me uncontrollable XXXX attacks XXXX XXXX and more health troubles which my doctors will tell the Jury. I filed a Consumer Financial Protection Bureau complaint against Ocwen Loan Servicing. I am wonder if XXXX XXXX will respond to this consumer complaint and either confirm or deny ever sending an email to XXXX XXXX responding to my consumer complaint threatening that if XXXX XXXX files another Consumer Financial Protection Bureau complaint against Ocwen Loan Servicing that all settlement discussion are off the table. Please confirm or deny ever sending this email.
Company Response:
State: CA
Zip: 91709
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: Ocwen Loan Servicing counsel XXXX XXXX responded to my consumer complaints on, XXXX XXXX, 2017. XXXX XXXX is requesting I direct all further communication directly to his office. Ocwen Loan Servicing, its employee XXXX XXXX, its everyday harrassing threatening phone calls I had to put up for years, the slander of title which is over the top, all the thousands of dollars I had to pay out of my pocket to stop Ocwen from continuing its abusive servicing pratices, all the lies I had to hear out of Ocwens mouth, Ocwen employee failing to correct its errors and all the other screwed up mess because she is trained to coverup the mess. Dont tell me to direct all further communication directly to your office when you have assisted Ocwen with its abusive servicing pratices harassing me threatened me with the loss of my home in 48 hours if I dont sign increased none negotiable loan modification with increased outrageous balloon payment that I never applied for and that could not even afford to avoid fraudulent XXXX Trustee Sale in 48 hours. The many years I put up with all of this has caused me serious health damage which landed me hospitalized on medication which dragged in several doctors who questioned me who was harassing me. Ocwen has screwed up my credit. I have no savings left because Ocwen stole all of my money. Ocwen has made a disaster out of my life. I have suffered years of abusive servicing practices and years of harassment threats of the loss of my home using cozy relationship with XXXX. The damage is extreme. Thanks to all of my doctors who care I am now bringing all of you to justice. You and you clients are nothing but a bunch of liars who are out to harm me and embezzle my property to maximize revenue ave fill you own pockets with cash. That is the truth!
Company Response:
State: CA
Zip: 91709
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: Trouble during payment process
Subissue:
Consumer Complaint: I received a letter dated XX/XX/XXXX from Ocwen Loan Servicing, LLC which stated : " A recent review of the above referenced loan determined the attached Step Rate notification may not have been received. We are sending this to ensure a copy is available for your records .... '' The notice stated that my rate was increasing from 2 % to 3 % and that my payment was going to increase on XX/XX/XXXX. My monthly payment increased {$1100.00} and I was given less than 30 days notice and his has placed exceptional hardship on me. Two days later, XX/XX/XXXX, Ocwen issued another letter telling me that I owed {$10000.00} in undercharged interest. I called the lender Friday XX/XX/XXXX to ask the lender to explain and was that he would put a request in to the " research team '' and that I would be notified by email or writing in between 10 to 30 days. When asked why my monthly statements never showed the increase and he could not give me a good answer other than there was an audit of some kind. I asked him why I was given almost no notice and he said that it was all something I should have known as it was a scheduled rate increase according to my loan modification. He offered me no other explanation or resolution other than to reapply for a loan modification. I will start the process however, I really would appreciate some advice. I noticed that according to law, the lender has an obligation to give the consumer appropriate notice as to a payment increase. Since this was never done, do I have any recourse? Please help! Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 920XX
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: XXXX XXXX is continuing her same old abusive servicing practices she was ordered to Cease and Desist in doing on, XXXX XXXX 2017.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Original loan was with XXXX XXXX ( XX/XX/XXXX ) I paid out of escrow homeowners ins., flood ins. and property taxes, In XX/XX/XXXX my mom got really sick and XXXX in XX/XX/XXXX. I had been traveling a lot during this time to Michigan to be with her and I had fallen behind in mortgage payments but always contacted XXXX with promise payments, I had never fell more than 2 months behind in payments. I made a huge error and forgot to pay my XXXX property taxes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was extremely close to my mother. In XX/XX/XXXX XXXX brought this to my attention, I made a promise payment to them that I would have my XX/XX/XXXX property taxes paid before the end of XX/XX/XXXX they gave me no reason to believe that this would be a problem, I have always followed through with every promise payment during this difficult time. I went to a XXXX bank teller XX/XX/XXXX to paid monies owed for XX/XX/XXXX property taxes. The bank teller directed me to XXXX XXXX a financial service rep. I told her my story and showed her that I had the money to pay my balance owed. After an hour of waiting for her she told me that she could not help me and I had to go see the attorneys, XXXX XXXX XXXX that XXXX was foreclosing on my home, and to go see these attorneys to re-instate my home. I went to XXXX XXXX XXXX that day, I walked into the office and asked the woman behind the glass to help me with my problem, I told her my story and gave her all of my information. I waited 40 minutes only to be told that I must be confused and she does not have my name or loan number in her files. Now I went back to XXXX to speak to the financial rep., to only wait an hour before I was told by her to go back to the attorneys office and they would help me now. so I proceeded to go back to XXXX XXXX XXXX, after I arrived, only to wait another 30 minutes for XXXX XXXX to walk into the office and tell me that they would contact me when the re-instatement figure was ready. I visited that office everyday for the next 2 1/2 weeks, until finally I reicieved an email late evening XX/XX/XXXX that my re-instatement was ready. I immediately paid that bill the next morning. Now the 2nd part of my nightmare begins, XXXX sold my loan to XXXX. I had been making mortgage payments to XXXX XXXX on time every month, I learned my lesson with late property taxes. A couple of months into my new lender, XXXX, I was now told that I have an escrow account of XXXX, and they are now foreclosing on me. After several months of calling XXXX every evening, faxing, e-mailing, overnight certified mail proving to this lender that I do not have a escrow account, and I am current on taxes, ins etc.the problem is resolved, now my loan was sold to Ocwen. So I start to pay Ocwen my mortgage payments on time. I sent my property tax payment out in XX/XX/XXXX when they are due, only for the county to send me back my check and was told that my taxes were already paid. And then I received a foreclosure notice from Ocwen that I owe them XXXX. I sent Ocwen the payment for the property tax, I sent them proof of homeowners ins., flood ins. and explained them in writing that with the tax payment I am current. They would not give me the time of day, the staff with this lender was horrible and would not work with me to even listen what I had to say. I was told to send proof and I did several times. Ocwen would not stop the foreclosure, I had no choice except to hire an attorney, which I did, The XXXX XXXX XXXX. This attorney did nothing except delay the matter and take my money. I was re-assigned a different attorney every time I called to get an update. Now it is XX/XX/XXXX, I filed chapter XXXX bankruptcy in XX/XX/XXXX to save my home. ( my bankruptcy only includes my house, and I am paying 100 % back ) I received my proof of claim, and yes all of the re-instatement fees that I already paid along with property taxes, homeowners ins and all other ridiculous fees I am being charged in my proof of claim. My original amount owed is {$120000.00}. the claim is for {$240000.00}. I have tried to work with this lender on several occasions, only to be talked down to and called a liar by them. I am proud of myself for hanging in there but I am tired, I need help getting these fees removed. Can you help me? I have not attached docs due to so many and so much personal information on them. I am willing to send to the CPFB anything that you will need to prove my case. I have saved everything. Please help, after doing much research this year I believe that I am a victim of the mortgage melt. Thank you in advance, XXXX XXXX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33328
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After completing the modification program with ocwen from XXXX to XXXX and continuing to make monthly payments to the present day, ranging from {$1100.00} thru {$1000.00}. Ocwen attempted to foreclose on our property during this process by hiring the XXXX XXXX in NY. The Ombudsman officer at Ocwen sent us a letter in XX/XX/XXXX admitting fault on behalf of his company. While we continue to make our monthly mortgage payment, Ocwen has added a {$3000.00} legal fee to the monthly mortgage statement, and disguised it as a late payment. On top of this, Ocwen has added over {$50000.00} of other fees to our statement principle during this modification process. They can not produce the original note trail or title, to this property. They have also engaged in double tracking. They have also connected us to over sea 's operators in XXXX after we have requested on several occasions for them not to do so.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Good day Sir or Madam : First let me say that I am at work and I do not have access to my account or mortgage Number. I am writing you because I wish to ask you please help my wife and I keep our home. We do not believe our story has been communicated to you correctly. Our attorney XXXX XXXX has tried to help us but we feel he is being pressured by a larger entity. I want simply to be treated fairly. My wife and I have lived in our residence for 19 years. I am a Veteran of the cold war error. My wife has been teaching for 30 years and is ready to semi retire. We have maintained our property @ XXXX XXXX XXXX in XXXX XXXX and added ( new windows, furnace, Hot water tanks and roof ) We even replaced our entire dining room 2 years ago with our own money due to water damage. We have been unable to cash an XXXX dollar insurance check because the lender refuses to endorse the check. We are victims of the housing crisis but we are being treated like criminals. We refinanced our home in XXXX. We were told our home was worth XXXX + XXXX dollars. At the time interest rates were high. We excepted a XXXX rate and were told that if we made all payments on time for 2 years we could refinance for a lower rate. When we attempted to refinance in XXXX we were laughed at by the mortgage company. We had the house re- appraised and found it was only worth XXXX. I went back to XXXX and requested the initial appraisal. I was told they did not have it. So we were stuck we could not refinance because we were upside down. Owing the then Mortgage company Litton more than what the property was worth. In XXXX we were hit by the down turn in the economy and I lost XXXX XXXX of my income almost overnight. I contacted Litton and requested assistance. They in turn had me fill out modification paperwork. We were accepted and made 3 payments of XXXX for the trail modification. But when we received the paperwork for the actual modification the payment ballooned to XXXX monthly. This was not what we had agreed on and I did not sign the modification. After that we began to use online modification companies and spent approximately XXXX to XXXX XXXX dollars, bowring from our retirement funds. We were told to pay down bills to make our situation look better by the Modification companies. I really thought we were doing the correct thing. We knew we owed the money and thought these companies were on our side. I no better now. At least 3 times we paid a retainer for their lawyer 's and all three times we were informed that Litton Loan rejected us because we made to much money. The last rejection was in XXXX. After that we heard nothing from Litton loan. No phone calls nothing. We assumed we were in foreclosure being served in XXXX. So we waited to hear something. In XXXX our loan was purchased by Ocwen and now I find out that XXXX XXXX also owns a part of the note. We hired an attorney ( XXXX XXXX XXXX to hopefully help us get a resolution to this issue. 2 times we filled out modification paperwork and 2 times we received no response. We had meeting after meeting with our attorney. Each time XXXX XXXX would call the bank the lawyer representing Ocwen and each time he was told nothing has been done. In XXXX we received paperwork that we were being sued by XXXX XXXX. Caught us by surprise. We had no Idea who XXXX XXXX was. There was a slight problem with the paperwork. My son XXXX was mentioned on a number of pages. We immediately called our attorney and ask why this was so. He of course had no idea. We then received a modification notice from Ocwen. And we were unwilling to sign it. We thought our son would be hurt financially so we refused. But Ocwen sent out a notice that we missed payments and actually charged us for something we never agreed to. We were offered yet another Modification that no intelligent person would sign. They wanted the balance of the loan + XXXX Again I never disputed that we owed the money. My issue is that My wife and I are being unjustifiably sued by an entity that after 9 years could not foreclose on us. We in good faith tried to solve the issue. They have stalled and failed to do anything. Now we are placed in a spot where we owe XXXX for a home that at best is worth XXXX I am not a lawyer, But it was explained to me that NYS statue of limitations gives the bank or mortgage company 6 years to foreclose. remember this started in XXXX. By my count that is more then 6 years. I 'm not sure you can do anything. We would just want to live our lives out in the home our children grew up in. If there is anything you can do for us we would be grateful. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A