Date Received: 2017-11-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX XXXX we established a repayment plan with Ocwen, which included adding an additional $ XXXX/mo to our regular monthly mortgage. We paid the repayment plan ON TIMXXXX each month and they are still showing us as being delinquent since XXXX XXXX. We paid the past due amount and our regular monthly pay of {$3100.00} on XXXX XXXX, XXXX to end the repayment plan and we were told that they would report to the credit bureau on XXXX XXXX, XXXX and still as of XXXX/XXXX/XXXX there has not been any credit reporting. We have called in twice and filed a complaint on their website and they keep telling us it will be the first week of XXXX and then the 2nd week of XXXX We just got another notice saying it will be an additional 7-10 business days again before they will report our mortgage in good standing. Since we paid on time since XXXX it should reflect on our credit report. The very least they need to report our most recent payment correctly as it is really hurting our credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52405
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I Have Tried At Least 10 Times To Apply For A Loan Modification : The Company Ocwen LLC Servicing Has Been Giving Me The Run Around, By Telling Me The Application Was Incomplete, And Ask For Additional Information, As I See The Information, They Say I Need Something Else. They Did This Until They Won The Sale Date With The Judge. I Have Certified Mail On Me Sending The The Applications For About A Year Or Longer.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I was approved for a second modification to my mortgage by OCWEN. The reason for this modification was 100 % to fix an error that OCWEN had made when they did n't pay the property taxes on both lots that the property sits on. Because of OCWEN 's error, approximately $ XXXX had to be paid out of the escrow account to cover the back taxes, which then subsequently needed to be refunded. To come up with this sum, the mortgage needed to be restructured. I had until XX/XX/XXXX to execute the mortgage modification and return it to OCWEN. As the date approached, I had additional questions that I needed answered before I could decide. Thus, before the deadline at XXXX on XX/XX/XXXX, I sent XXXX XXXX , my contact within the Consumer Ombudsman 's Office, an email requesting further information on a number of topics. I followed up with a call, but when I did not promptly hear back from XXXX, I also called a Customer Relationship Manager as well to report to them that I was seeking additional clarification from the Consumer Ombudsman 's Office and that I wanted this noted on my account due to the impending deadline. My understanding was that XXXX would grant me a short extension and I would get my critical questions answered. That 's not what happened however. Instead yesterday XX/XX/XXXX I received a XX/XX/XXXX letter from OCWEN Loan Servicing declaring that I had not responded to the offer and thus it was no longer available to me. So I am protesting this and requesting that the offer be reinstated, an extension granted, and my questions answered in a timely fashion. Further, when I wrote back to XXXX directly about the situation, I received an automated response that he will be out of the office for another full week, meaning that he will not be available during that time to fix this situation for me on his own. It is for this reason that I am filing this CFPB complaint. It appeared OCWEN had gotten their signals crossed yet again, so I wrote again to XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Called staff XXXX, XXXX agent no information from agent told Ombudsman office handling account left message to have some call me about account issues. XXXX Ocwen XXXX, asking XXXX to have agent handling account to call me as customer service could not talk about account. No rep from a Ocwen has called. Received doc requesting proof of payments. We sent docs XXXX to Ocwen verifying XXXX / Ocwen issues. Informed the docs were destroyed, per their 5 year rule to maintain records. Despite XXXX XXXX Supporting docs, transferring information / files from previous servicer would be maintain. Ocwen XXXX XXXX is a constant predatory and unfair servicer with many facillies in servicing loans, even simple communication.
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had set-up an auto-debit payment for my mortgage with Ocwen, XXXX # XXXX. Ocwen received the payment XXXX XXXX, XXXX, but it send a second mortgage bill on XXXX XXXX, XXXX which was returned because of insufficient funds. XXXX charged me {$36.00} for returned item fee. On XXXX XXXX, XXXX Ocwen received my monthly mortgage payment, but again it send a second mortgage bill on XXXX XXXX, XXXX which was returned for insufficient funds. XXXX charged me {$36.00} for returned item fee. Ocwen received my monthly mortgage payment on time, but kept sending a second bill causing a return item fee for the second bill. I sent an inquiry to Ocwen but did not receive a satisfactory response. Double billing is illegal and causing problems with my checking account, my mortgage contract states that I will only pay once a month, this abusive double billing must stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I 'm currently applying for a loan modification & have been approved for a trial modification twice. XXXX Ocwen approved for trial payment of XXXX. I declined & applied again asking Ocwen to consider the ( Full Appraised Certified Value ). The appraisal was obtained on the suggestion of Ocwen in XXXX. Ocwen again approved the trial modification in late XXXX Payment XXXX The payments are based on a BPO ( Broker Price Opinion ) of XXXX XXXXXXXX this was done in XXXX. Another BPO was done in XXXX $ XXXX A certified appraisal with color photos on XXXX/XXXX/XXXX with a value of XXXX XXXX was uploaded to Ocwen. Ocwen also did a exterior appraisal on XXXX/XXXX/XXXX value XXXX XXXXXXXX Ocwen has yet to consider the analyses of true value of home. This appraisal as of XXXX/XXXX/XXXX has not been reviewed. Ocwen 's front office is very kind they have assured me on multiple occasions that they will have the Full Appraisal Analyzed & compare To The BPO. Full Certified appraisal was uploaded on XXXX/XXXX/XXXX Ocwen instead ignored the Full Certified Appraisal & elected to get another BPO on XXXX/XXXX/XXXX I have been extremely proactive & have spent many hours asking Ocwen to consider the Full certified Appraisal or Send their own XXXX & I will pay for that XXXX as well. As of this complaint all we have now is a call with the Relationship manager on XXXX XXXX. Whom is extremely friendly & sincere. Based on Ocwens value they perceive the value to have gone up $ XXXX in a years time.
Company Response:
State: NJ
Zip: 08088
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX/XXXX/XXXX I entered into a loan modification with my mortgage company ; Ocwen Loan Servicing LLC. ( Please see attached loan modification agreement from Ocwen Loan Servicing LLC ). Since entering in this loan modification agreement I have been paying my mortgage on time every month to the present date. My current interest rate is very high compared to today 's interest rates. Prior to entering into a loan modification with Ocwen Loan Servicing I my mortgage at that time was an FHA 30 Year Fixed Mortgage ( Please see attached Mortgage Note ). I believe in XXXX my mortgage was sold to XXXX XXXX XXXX ( Please see attached mortgage escrow statement for customer service tel number and other important information ). In XXXX XXXX I was contacted by XXXX XXXX a loan Officer with XXXX XXXX and XXXX XXXX, in regards to refinancing my current mortgage which would reduce my current interest rate of XXXX XXXX to XXXX XXXX thus saving me thousands of dollars in interest. Durring My refinance my loan officer XXXX XXXX informed me that my current FHA mortgage was switched Illegally to a Conventional Mortgage by either Ocwen Loan Servicing or XXXX XXXX XXXX. I contacted Ocwen loan servicing and XXXX XXXX XXXX several times to find out who Illegally switched my mortgage from an FHA mortgage to a Conventional mortgage, and neither Ocwen loan servicing or XXXX XXXX XXXX will give me any answers. They continue to tell me that they will look into the matter and get back to me a couple days later. It has been months now, and I have still yet to receive an answer from either mortgage company. These mortgage companies are stopping me from refinancing my FHA mortgage so I can save money and that is ILLEGAL! If this matter is not resolved as soon as possible my next action is to seek legal council and take the appropriate legal action to settle this matter..
Company Response:
State: IL
Zip: 60107
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX XXXX has been responding to my many consumer complaints with nothing but lies. In XXXX XXXX response to my consumer complaint she told me I could apply for assistance again, she told me to call Ocwen and speak with the relationship manager. That is a complete joke and so laughable in itself. I have called Ocwen several times and always was denied the right to speak with the so-called relationship manager assigned to my matter and was always harassed and either hung up on or put on hold for several minutes before XXXX XXXX returns laughing at me. Everytime I called I was told I could NOT speak to the relationship manager assigned to my matter because the relationship manager was on another call assisting another client. The same old robo-call-words. Its also impossible to speak to incompetent dishonest criminals who run a unorganized crime operation. So, I been using the CFPB complaint site to avoid harassment and abuse. I feel no other option left other then to apply for shady ocwen assistance until jury trial. I have applied for so-called Ocwen assistance on XXXX XXXX, XXXX. I have not received a response. I am curious what fraudulent balloon payment, increased principal balance and payment incompetent Ocwen abusive employee will shuffle in my face this time. Ocwen and its shady employee XXXX XXXX continue to threaten me with the loss of my home using forgery and fraud, fabricated documents, false principal balances, false payment history, fraudulent other fees, illegal force place insurance policies and employees who are abusive. My doctors are watching everything you criminal do to be. The application for assistance is attached along with email proving I sent incompetent servicer my application.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Entered into a loan modification earlier this year with Ocwen. I discovered on XXXX/XXXX/2017 that XXXX XXXX XXXX XXXX is listed as the servicer of our loan with XXXX XXXX. Ocwen also claims to be the servicer on our loan per the modification documents we signed. Since we signed a loan modification with Ocwen that states that Ocwen is the servicer, buXXXX XXXX XXXX XXXX XXXX is being reported as the servicer on the same loan, Ocwen made false representations and statements to us that Ocwen was the servicer of our loan when Ocwen is not the servicer of the loan per the records of XXXX XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Purchased my home for {$160000.00} in XXXX. In XXXX, we had modified the mortgage to lower the payments from {$1400.00} to {$1000.00}. We were able to pay that amount until just this past year. We separated, but the house is still underwater for value, so I wanted to keep it. I did another loan modification. They lowered the payments to {$850.00}, but did NOT tell me about the balloon payment until the final docs were submitted. So I stopped paying my mortgage per their instructions, made 3 trial payments, then at the end, they threw a {$71000.00} balloon payment on it. While it 's in the agreement, at the beginning, I did not know about it the whole time, or I would have said No way. But, at that time, I was 3 payments behind, and had paid into the trial, and of course there 's always the money that I already put into the house, and the fact that I did n't have a place to live. This balloon payment is so much that by the time I 'm done paying for the house in XXXX, I will have paid {$390000.00}. Which is over twice as much as the house 's initial purchase price. I do believe they had me in a tight spot, and just to get $ XXXX out of someone who works for a living is horrible. They already put my " 3 missed payments '' into the principle balance, whatever could the $ XXXX be for?
Company Response:
State: PA
Zip: 17315
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A