Date Received: 2017-11-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of XXXX we filed for chapter XXXX to stop foreclosure and the sale of our home. We received a Notice of Recission stating that the foreclosure and sale of our property had been reversed. We applied for a modification of mortgage through Ocwen XXXX XXXX XXXX and it was approved.Nothing was sent to the the XXXX XXXX County Recorders office to notify them that the property reverted back to us. In short, we do not exist on this property and the Grant Deed remained in possession of the Mortgage holder. The Trust account is being held by XXXX XXXX of behalf of XXXX. I would like this resolved as soon as possible. I am being told by Ocwen that they can not help me and that I am to contact XXXX XXXX. I contacted XXXX XXXX and I was told that Ocwen needs to resolve the Grant Deed issue with the County Recorders Office. They keep bouncing me back and forth between departments. I have contacted Ocwen Loan Servicing numerous times and asked them to take care of this matter. This all stems from getting approval from XXXX XXXX ( XXXX XXXX XXXX ) for the funding of artificial turf, through our property taxes. The work was done after XXXX XXXX approved the funding in XXXX XXXX. I just now found out that there is an issue with us being the owners. I signed the official documents and sent them back to XXXX XXXX and the installation process was done and completed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased my home in XXXX of XXXX for an amount of XXXX through XXXX XXXX XXXX. Since the purchase of XXXX I have had 4 different loan companies acquire my loan and the current loan company is Ocwen Loan Servicing. I fell behind on my mortgage back in XX/XX/XXXX and brought it to current on that year. In late XXXX, Ocwen offered a loan modification which never went through or they did not honor. I maintained the monthly payments of approximately XXXX for about 7 months until they abruptly stopped accepting them around XXXX of XXXX. I asked why the payments were not being accepted and never got a clear explanation. Ocwen then again offered me another loan modification which put on a 3-month trial which would have ended in XX/XX/XXXX. I made the trial payments but when I went tried to pay online, the monthly amount had changed drastically from XXXX ( approximately ) to over XXXX. I am a victim of a predatory loan for which I have paid over 10 years and as early as XXXX XXXX, my XXXX loan has turn into a XXXX with Ocwen as the worse of them all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX I was approved to partake in a loan modification trial period through Ocwen due to financial hardship. I needed to complete 3 monthly payments of {$1000.00} which included XXXX, XXXX and XXXX of XXXX, which were my original payments. It seemed strange to have the same payments in a trial period but I did so anyway. I completed the payments and the only thing left to do was sign the promissory note and have it notarized. I submitted the notarized documents by the required XXXX XXXX XXXX deadline and it was returned as denied due to lack of completion. I called Ocwen to find out what the incomplete portion was and their verbal description was that my spouse also needed to sign it. In their words, " Due to the Colorado homestead act, my spouse must sign the promissory note for them to accept the modification ''. My spouse was never approved or obligated to be responsible for the original loan. I have spoken with an attorney, title company and other financial institution. that stated Colorado does not participate in the " Homestead act ''. They also advised my wife not to sign the documents because it appeared that Ocwen was not being ethical by stating her signature was required for the purpose of the " Homestead act ''. I called Ocwen again for clarification and my assigned account manager and his supervisor would not give additional information on the recorded line.
Company Response:
State: CO
Zip: 80526
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-31
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: This issue is about a company called Ocwen Loan Servicing in Florida. I do not have a loan, never had a loan, never heard about nor ever had or did any business with Ocwen or Ocwen Loan Servicing. Nevertheless, Ocwen recorded and published in public records that I took out a loan with Ocwen for {XXXX, which I never did. Ocwen has placed a lien against my name on that loan and alleged I never paid the company back. I called Ocwen and sent faxed documentation XXXX XXXX approximately containing information and facts that confirms I have identity theft. XXXX XXXX, XXXX I spoke with XXXX in Ocwen 's Consumer Ombudsman 's office about the aforementioned issue. XXXX stated Ocwen had determined " I was not the Ocwen customer the company alleged defrauded them. And also stated even with the above being the fact Ocwen would not delete the negative information, release all liens and encumbrances placed against my name as their alleged client " has a similar or same name as I do. '' More importantly XXXX stated the reason Ocwen was not wanting to correct the situation is because the company requires a copy of my social security card that I will not send to them. Ocwen already knows and has confirmed their client has a different social security than I. I believe the request for my social security care is unlawful and an abuse of power against consumers. No governmental agency to my knowledge provides or has provided any company or entity the right - to deny a consumer their rights under the laws of the United States of America. The FTC nor the Consumer Protection Bureau has mandated such right to Ocwen. Consumers are not wise to provide their social security card to people or businesses with whom they never had nor have any relationship. I have identity theft and completed an affidavit for Ocwen that I located on the FTC website as well I submitted all documents Ocwen requested and submitted proof I have been a victim of identity theft, including a compromised identity card, provided me, by the XXXX XXXX. I also sent Ocwen copies of all the FTC and US laws requirements and mandates to release and desist from further harming ID theft victims through making public reports and or credit reports of erroneous damaging information against identity theft victims. Ocwen choses to ignore all laws, rules and regulations. Ocwen refuses to adhere to the US laws, rules and regulations of the FTC and Consumer Protection Bureau. Ocwen refuses to release their lien against me as well as refuses to release any and all other inaccurate encumbrances they have placed against me and or my name Ocwen is knowingly and willfully acting illegal by attempting to cohere consumers into providing information they have no right to and that is not required they provide by law, especially information as personal as one 's social security card.
Company Response:
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2017-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: For over a year my insurance company faxed proof of insurance to Ocwen our county provided them with proof of address changes on our street I have copies of all of it Ocwen placed forced insurance and will not refund I am XXXX and cant leave my house they wont allow me to make online payments they wont allow me to set up the npaymwnys due for XXXX and XXXX thus making me 3 months delinquent they want all amounts due plus another XXXX for insurance
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2017-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-31
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Ocwen Loan Servicing employee XXXX XXXX responded to my consumer complaint, XXXX XXXX, XXXX. XXXX XXXX attached a so called XXXX none fully executed XXXX XXXX XXXXXXXX XXXX modification with a forged signature. In addition XXXX XXXX attached loan modification schedule A with forged initials. Forgery and Fraud. It is illegal for incompetent loan servicers to use voided fraudulent documents, false principal balances, false payment history, fraudulent other fees, illegal force place insurance policies, commit fraud in the county recorders official records to slander title, then start using threatening tactics by using cozy relationship with trustee servers as a weapon against homeowners using fear and threats to coerce homeowners into increased modification they never applied for to avoid fraudulent trustee sales demanding hundreds of thousands of dollars in increased principal balances to fill own pockets with cash. I never signed the XXXX so called XXXX XXXX XXXX XXXX modification and I never initialed the loan modification schedule A. Ocwen Loan Servicing employees are covering up the loan servicers crimes so they can steal my home to fill there own pockets with cash. Ocwen and its employee are abusive and fraudulent. I contacted XXXX and was advised the tracking number on XXXX XXXX fabricated documents does not exist. Ocwen Loan Servicing, its shady employee XXXX XXXX and its lawyers are corrupt and should be in prison. This is the United States of America and we allow Ocwen employees and its lawyers commit such unspeakable crimes? It is illegal for the Consumer Financial Protection Bureau to collect millions in fines then allow Ocwen the option to not admit wrong doings so they can continue its crimes and abuse to homeowners, because that is exactly what 's been going on. Is it really about protecting the homeowners or is it really about collection millions?
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2017-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Every year about the same time, Ocwen Loan Services states that the Escrow is short, and they missed a Tax payment on purpose, to have an excuse to collect more to pay the current and the late tax. During the past year, I have paid a Total of : {$3800.00} in Escrow taxes, all statements, and cancelled check are attached, on which {$1900.00} is for XX/XX/XXXXtaxed and the surplus is {$1800.00}, thats enough to pay the late taxes of {$1000.00} and even so, that will be a positive balance of {$850.00}. Ocwen makes their accountability so complicated that we dont understand and in that it makes that we keep owing Escrow payment for them. It is much easier if they sum all Escrows deductions and make submit 2 payments twice a year to the city of XXXX, but they have botched escrow accounts, but they keep it complicated so they can continue their wicked scheme and continue to make money on that. Following is what I just paid Ocwen and City of XXXX in taxes. XX/XX/XXXX{$970.00} To the City of XXXX XX/XX/XXXX {$640.00} To Ocwen Concerning XX/XX/XXXXStatementXX/XX/XXXX {$640.00} To Ocwen Concerning XXXX StatementXX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XX/XX/XXXXStatement XX/XX/XXXX {$130.00} To Ocwen Concerning XX/XX/XXXXStatementXX/XX/XXXX {$130.00} To Ocwen ConcerningXX/XX/XXXX StatementXX/XX/XXXX{$130.00} To Ocwen ConcerningXX/XX/XXXX StatementXX/XX/XXXX{$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX, XXXX {$130.00} To Ocwen Concerning XXXX Statement Total : {$3800.00} They increased my mortgage in {$6900.00} by XXXX XXXX and will increase again in interest in XXXX XXXX, and they are trying to make it so difficult that I cant continue paying and start a foreclose on my property. I sent a request to Ocwen on XXXX XXXX, XXXX to cancel my escrow, and I wll pay my Taxes, in order to avoid their late fees, and Ill let you know, the outputs of the request. Id like to receive all payments that I have mad in excess in Escrow to XXXX, I have no idea how much, but maybe is over {$5000.00}. Im trying to find lawyers in U.S. that are representing another homeowners against Ocwen, so, they can sue them, for that, and also for the insecurity and hardships they bring to me and family.
Company Response:
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2017-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I recently looked at my credit reports and noticed that this GMAC MORTGAGE reported 30,60,90, 120 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. In short, I never received such a warning notice! I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2017-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was approved for a short sale with my Lender Ocwen on XXXX/XXXX/XXXX and have the approval letter for the short sale from Ocwen and a copy of the Final HUD-1 closing statement showing I was the seller. However, I have proof that XXXX is reporting this as a foreclosure on my credit report. This is reporting in error as this was NOT a foreclosure it was a short sale which only has a 4 year waiting period after the short sale to get qualified for a new home. I am trying to purchase a new home and because of XXXX reporting Ocwen as a foreclosure I am unable to get conventional financing and purchase a new home at this time. I need to get Ocwen to fix this with XXXX
Company Response:
State: AZ
Zip: 85395
Submitted Via: Web
Date Sent: 2017-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was laid off from work. I applied and was approved for an Unemployed assistance loan from KYHC. On XXXX XXXX and XXXX, I received an email and a phone call from a XXXX XXXX with XXXX regarding my " inquiry '' for mortgage assistance. After the second time I called XXXX XXXX and asked where he got my name as I had not made any inquiries. He responded with - are you with Ocwen? I said yes - he said we buy leads from Ocwen on troubled or delinquent files!!!!! I asked to be removed from his list. I checked his name and he is not listed with NMLS or BRE. At that time I called Ocwen and spoke with Agent I.D . XXXX. He indicated my account was in good condition - that I showed behind ; however, they are expecting two more payments from KYHC. He indicated there were no notes in the file as being referred to anyone ... ... .. How does Ocwen get off " selling '' my information without my consent and certainly without my knowledge????? This needs to be reported. And please do n't bother sending this to Ocwen for a response because we all know what will happen ... .... nothing ... ... ... .they will write a long letter saying nothing - and you will post the incident solved?????????????.
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2017-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A