Date Received: 2017-10-25
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I am a victim of fraudulent credit activity, my identity has been used without my consent to obtain goods or services .I have owned a XXXX XXXX XXXX 17 years and disgruntled employees have submitted my name or used my identity.
Company Response:
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2017-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XXXX/XXXX/XXXX, I, XXXX XXXX, XXXX, XXXX XXXX, signed a Deed of Trust in favor of XXXX XXXX XXXX, for the purchase of my home. Ocwen Loan Servicing, LLC., on behalf of XXXX XXXX XXXX XXXX XXXX XXXX took over servicing of the loan. I never received correspondence from XXXX stating that the loan was sold. My problems began XXXX when Ocwen returned payments of XXXX, and XXXX that was sent by myself to catch up arrearages due for my mortgage. When I called Ocwen 's customer service, I was told that their policy was anything over XXXX days past due was referred for foreclosure, and payments were received on day XXXX, and therefore refused, and returned. I requested a copy of their policy, as it was not posted on their website, nor was posted on any of my closing paperwork. They refused to provide the policy. However, they stated that I could apply for a modification, but the foreclosure process would proceed until an offer was given to me. I applied for the modification, and was sent an offer dated XXXX/XXXX/XXXX where the first page of the offer stated that the payment was going to be $ XXXX. On the second page, it stated that the initial down payment was to be XXXX, due XXXX/XXXX/XXXX, and monthly payments were going to be $ XXXX starting XXXX/XXXX/XXXX, which would bring the account current. And, a remaining balloon payment would come due XXXX/XXXX/XXXX, with no discriminate number for the balloon payment. I put in several calls to Ocwen requesting a scheduled appointment with a 'relationship manager ', which was scheduled for XXXX on XXXX/XXXX/XXXX, to explain to me what payment I was to send with my paperwork since there was conflicting information, and to also explain the balloon payment. I did n't receive a call back as requested. I called again, and reset a scheduled call that was to take place XXXX/XXXX/XXXX. No call was received. I signed, and sent the paperwork over to the fax number provided anyway, but did not send a payment because I did n't know what amount to send. The next correspondence I received from Ocwen was on XXXX/XXXX/XXXX, requesting a new XXXX XXXX. Ocwen proceeded to send me requests for paperwork already received, stating they were re-starting the modification process since I did not return the paperwork, and payments by the due date. In the meantime, they filed for foreclosure that was scheduled for XXXX. Ocwen continued to ask for paperwork they already received, and so I filed joint XXXX XXXX bankruptcy with my now XXXX that went into effect just before the foreclosure date in XXXX. I filed for divorce in XXXX. Payments were made in full and on time of XXXX until XXXX, when my XXXX XXXX was found to not be paying his portion of the trustee fee. I was advised by my bankruptcy attorney at the time to not make payments, as I was going to be refiling a single Chapter XXXX bankruptcy through the XXXX XXXX XXXX, and back payments would be included in my bankruptcy, to allow me to afford my attorney. My new bankruptcy took place in XXXX. However, my trustee fee was triple what I was originally paying in the joint bankruptcy, and I could not afford both the mortgage payment, along with the trustee fee, and I was ordered to care for my XXXX XXXX children, as well as my own, totaling XXXX children in the home at the time. As well as it took me almost XXXX years to have child support ordered through the courts due. I again applied for a loan modification through Ocwen, with the assistance of XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX. My point of contact at XXXX, XXXX XXXX, attempted to submit, and resubmit, all requested paperwork to Ocwen from XXXX, almost on a monthly basis. Ocwen had completed packages, per XXXX XXXX, on numerous occasions, yet continued to request the same paperwork again, and again. Thus, putting me further, and further behind on my mortgage, as they would not accept payment during this time. Throughout this entire time, Ocwen did not refuse a modification. However, did not offer XXXX, and only kept requesting documents that were already received, and confirmed. Ocwen finally filed a motion for XXXX of XXXX in my bankruptcy, XXXX, which was granted XXXX. I re-filed again, a complete modification package with Ocwen XXXX, and sent over requested additional paperwork XXXX. Ocwen would not speak with me directly regarding the new paperwork, stating that they needed a release from my bankruptcy attorney to do so, despite the fact that they received the relief of stay in the bankruptcy. I chose to re-enlist the services of XXXX XXXX/XXXX/XXXX. I received a notice from Ocwen that I had until XXXX/XXXX/XXXX to bring the account current, or they were filing for foreclosure. My bankruptcy attorney had to re-send the authorization XXXX times before Ocwen finally agreed to speak with me. On XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX 's local XXXX, CO attorney 's, XXXX and XXXX, filed a Verified Motion for Order Authorizing Sale Pursuant to Rule 120, Colorado Rules of Civil Procedure. I was informed by service that my initial foreclosure sale date was to be XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX XXXX court granted the motion for sale. However, Ocwen chose to not act on this order. Instead, Ocwen continued to correspond with me through regular mail, and email regarding my modification request ( dual tracking ). Ocwen continued to consistently request the same documents over, and over again, despite having complete packages. I was told that my relationship manager was XXXX XXXX. During this time, XXXX was having difficulty communicating with Ocwen, as they stated that they did not have an authorization from me to speak to them, even though that was part of the paperwork that had been sent over. I began contacting Ocwen 's modification department directly, have had numerous monthly phone contacts with Ocwen, ( I have detailed notes of who, and when I spoke with in their modification department ), and was never able to speak with XXXX XXXX because she was always on another line ( no single point of contact ). I finally called XXXX 's local attorney 's office, XXXX and XXXX on XXXX/XXXX/XXXX, and spoke with XXXX, their paralegal. When I told her the problems I 've had with their client, XXXX immediately set out the foreclosure date for XXXX/XXXX/XXXX, and sent an email to Ocwen for them to reflect the new date. I then continued to contact Ocwen, and spoke with several different people who stated that they still saw XXXX/XXXX/XXXX as the foreclosure date. On XXXX/XXXX/XXXX, I received a modification denial letter dated XXXX/XXXX/XXXX. The denial letter stated that the only reason for denial was because it was within XXXX days of the foreclosure sale date, which was actually pushed out. I contacted XXXX at XXXX and XXXX once again, and she again pushed the foreclosure date out to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I then chose to enlist the services of XXXX XXXX XXXX, Attorney at Law, who attempted to request a copy of my file from Ocwen, to no avail. Concurrently, XXXX and XXXX filed on behalf of XXXX XXXX XXXX XXXX XXXX, a motion for an Amended Notice of Hearing XXXX XXXX hearing from XXXX and XXXX, dated for XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, Ocwen sent correspondence acknowledging my " Request for Mortgage Assistance '', again claiming that additional documentation was needed. On XXXX, XXXX, the hearing was re-set for XXXX/XXXX/XXXX. Ocwen then sent another modification packet insisting that regardless of the previous packet received, that I needed to fill out a new packet. That packet, along with all required documentation was delivered to Ocwen via my attorney, and XXXX and XXXX on XXXX/XXXX/XXXX. The hearing scheduled for XXXX/XXXX/XXXX, was vacated, and re-set for XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I finally received a 'Streamlined ' Mortgage Assistance offer dated XXXX/XXXX/XXXX, for XXXX trial period payments of XXXX to be made no later than the last day of XXXX. XXXX, and XXXX. However, the agreement had to be signed, and received no later than XXXX/XXXX/XXXX. There are no terms, interest rates, or anything detailing an itemized plan for the modification attached. Also, the paperwork lists XXXX XXXX as my relationship manager. I attempted calls to Ocwen, to speak with XXXX XXXX, because the payments are actually higher than what I was originally paying, and I can not afford the trial payments, hence the application for a modification in the first place. As well as wanting an explanation as to what the terms and conditions of the modification was going to be before I signed any paperwork, or sent any payments, putting myself automatically into an agreement that I was not able to afford, or know the terms to. I was continuously informed that they could not speak with me because I was represented by an attorney, On XXXX/XXXX/XXXX, my attorney sent over a letter to XXXX and XXXX, requesting them to forward to Ocwen, his permission to speak with me directly regarding anything to do with the modification, along with both my XXXX modification offer, the new trial payment plan offer as attachments. On XXXX/XXXX/XXXX, I contacted Ocwen 's modification department. Again, I was told that they could not speak with me directly, and to call my NEW relationship manager, XXXX XXXX, NOT XXXX XXXX, at a direct line ( which I 'd never been provided before ). I immediately called the number given, and left a message. My call was returned by XXXX later that afternoon, and again reiterated that he could not talk to me because of being represented by an attorney, and that they never received any letter from their attorney 's. He told me to fax or email the letter, and give him a couple of days to update the account. I emailed it immediately, and received a email notification from Ocwen 's modification department that it was received. I called to follow up on XXXX/XXXX/XXXX, and left a message for XXXX. After not hearing back for days, I, again called on XXXX/XXXX/XXXX, and left another message for XXXX. I called again on XXXX/XXXX/XXXX, and left another message for XXXX. On XXXX/XXXX/XXXX, I finally received a call back from XXXX stating that the trial payments had increased because it 's based off of XXXX XXXX of what the home is currently valued, as well as the loan to value, and what is now currently owed in arrearages. I explained to him that I can not afford to continuously make the trial payments after the XXXX months, as long term, they are not affordable, and why I requested a modification to begin with over XXXX years ago. I requested for him to send the terms of the modification, so that I know what agreement I would be entering into after the trial payments. He said that he can not do that, because I 'm required to make the trial payments first. I explained that I did n't want to enter blindly into an agreement that I do n't know what the terms are going to be, nor a payment plan that I may not be able to afford long term. I also explained to him that I would not be in this situation to begin with, had Ocwen honored my payments in XXXX, honored their modification agreement that was originally offered to me in XXXX, as well as their constant dragging out the modification requests for the last XXXX years. I first asked for him to send the modification back up to underwriting to re-evaluate the trial payments, in which he refused stating that this was the best offer I was going to get, and that he would deny the modification offer. I told him if he was n't willing to help me as my 'relationship manager ', to connect me to a supervisor. He placed me on hold, and came back to tell me that his supervisor was busy with another customer. I asked for her name, and he gave me XXXX XXXX. He said he spoke with her briefly, and that they would escalate my file back up to underwriting for review, and to follow up with him the following week. On XXXX/XXXX/XXXX, I attempted to follow up, but had to leave a voice mail. On XXXX/XXXX/XXXX, XXXX called early in the morning, and left a voice mail. I called him back later that morning, and his voice mail stated that he was out of the office until XXXX/XXXX/XXXX, and that an XXXX, at another number, would be taking his calls until he returned. I called the number for XXXX, and his voicemail stated that he was out of the office until XXXX/XXXX/XXXX ( which had passed ), and that a XXXX, at yet another number, would be taking XXXX 's calls. I left a detailed message on XXXX 's voicemail regarding follow up on my modification. I also called the number for XXXX, who 's voicemail said he, too, was out until XXXX, and also left a detailed message regarding follow up on my modification. I received no return calls until XXXX/XXXX/XXXX from XXXX. I was n't able to answer the phone, so he left a message. I returned his call that afternoon, but received his voicemail. I left a message, and am still awaiting a return call. Ocwen is in violation of several Colorado state consumer laws, neglectful account management, potentially fee stacking, not applying payments properly, and other predatory lending practices.
Company Response:
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2017-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am a victim of identity theft due to fraudulent actions made by my ex-wife XXXX XXXX. As a result of the identity theft, which has been reported to all ( 3 ) credit reporting agencies in XX/XX/XXXX, I have made numerous disputes regarding the reporting of inaccurate information on formerly shared accounts with XXXX XXXX or existence of fraudulent accounts that were not opened by me. In XX/XX/XXXX I disputed the reporting for home address XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ) but the dispute that was made was not received by Ocwen correctly and incorrectly interpreted as an identity theft issue which does not apply to this account. Ocwen did not respond to requests to correct the dispute on their end that would allow their internal teams to know that XXXX is not an identity theft victim account and incorrect option was selected via the original XXXX dispute submission. Ocwen responded to the credit report dispute for XXXX by erroneously updating information for an unrelated, separate mortgage for a home that I own individually at XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ). This account was correctly reporting to the ( 3 ) credit reporting agencies as an Individual liability, but following the dispute for Account XXXX has begun to report incorrectly as a Joint liability with XXXX XXXX. I have submitted online written requests via Ocwen 's website to correct this error so that Account # XXXX will be corrected with all ( 3 ) credit reporting agencies and report again as an Individual account/liability. XXXX XXXX and I have been divorced since XXXX. She has abandoned the property and all financial obligations, which has been formally processed with Ocwen via an assumption several years ago. XXXX relinquished her rights and liability to the property again in late-XXXX when the 1st mortgage for account XXXX was modified. All financial obligation for account XXXX ( payments ), deed of trust etc. for this home is mine and should only be reporting to the credit reporting agencies as an Individual account as it was previously reporting. Example attached of the previous reporting, showing on my XXXX report that this Ocwen account was in fact an individual account and reporting made by OCwen to the credit reporting agencies reflected this.
Company Response:
State: CA
Zip: 92054
Submitted Via: Web
Date Sent: 2017-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This complaints is a continuation of the previous filed complaints on Ocwen for the same property address XXXX XXXX XXXX XXXX FL XXXX ( loan # XXXX ). The attached letter datedXX/XX/XXXX from Ocwen states the loan was charged off XX/XX/XXXX. If this is fact, why did n't we receive a satisfaction of mortgage. The other problem with Ocwen is that XXXX credit report showing # 4 ( see attached ) which indicates we were 120 days late on paying this mortgage ( not true ).
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Applied to XXXX XXXX for loan modification, received approval on XX/XX/XXXX for a Streamline Modification. On the same documents assigned a relationship manager XXXX XXXX XXXX. I set up a phone call appointment on XX/XX/XXXX for XXXX to call me at XXXX XXXX.. Called multiple times confirming the approval and was told if our family just made the 3 payments listed we would get the modification. Tried to reach XXXX XXXX XXXX but no luck. Spoke to several relationship managers assuring me we were good. Our family is under a chapter XXXX bankruptcy and spoke to our attorney on XX/XX/XXXX to end the bankruptcy. The following Monday, I received more documents stating Sorry, this has been denied on XX/XX/XXXX. I called, spoke to a XXXX who said Ocwen made a mistake. A mistake. We are devastated. Immediately reached our attorney again and said do not submit the court papers. We will stay with the Chapter XXXX because I trust the courts more than XXXX XXXX. As soon as it is discharged I can not find another Mortgage company fast enough to refinance. I have submitted said documents.
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2017-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: SEE ATTACHMENT. I AM A VICTIM OF IDENTITY THEFT. LITTON LOAN SERVICING, LP IS CURRENTLY REGISTERED AS ACTIVE WITH THE CALIFORNIA XXXX OF STATE/FILE NUMBER XXXX. LITTON LOAN RECEIVED VIA A TRANSFER OF A XXXX XXXX XXXX XXXX XXXX ACCOUNT IN WHICH I DID NOT AGREE TO NOR DID I RECEIVE THE BENEFIT OF THE XXXX ACCOUNT THAT WAS CREATED IN MY NAME AND LIKENESS. REQUIRE LITTON LOAN SERVICING, LP TO PRODUCE THE LOAN APPLICATION/DOCUMENTS/FILE AS IT RELATES TO THE LOAN NUMBER ( SEE ATTACHMENT ) THAT REFLECTS THE INTEREST RATE AT XXXX AND DOCUMENTS OF A CONVENTIONAL LOAN. PROVIDE THE CONVENTIONAL LOAN # AND APPLICATION ; PROVIDE PROOF OF LOAN PAY OFF AND REVEAL THE LENDER IT PAID OFF INVOLVING PURPORTED XXXX BANK, XXXX LOAN IN XX/XX/XXXX. SUBMIT AN ACCOUNTING AS LITTON HAS RECEIVED MONTHLY PAYMENTS OF {$1900.00} AND PLUS. SEND RESPONSE VIA UNITED STATES POSTAL XXXX XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: We were paying off a mortgage through " XXXX XXXX, '' an escrow company in XXXX, AK, when the entity to which they made payment was purchased by " Ocwen Loan Services, LLC. '' We paid the full amount of the loan through XXXX XXXX, and XXXX XXXX tried XXXX times to send " Ocwen '' the payoff amount which they refused, claiming that there were hundreds of dollars in " late fees '' accrued beyond the anticipated payoff amount. Ocwen has persisted in continuously harassing us with phone calls from off-shored " agents '' and frequent mailings. We feel that Ocwen is trying to take advantage of us as consumers by posting concocted late fees and other clerical and insubstantial fees to an astounding XXXX}. They have even gone to the ridiculous extent of charging us for insurance! Doubly ridiculous since we have insured the home ourselves ; they have no business doing so. The heinous nuisance of Ocwen 's interference in our lives is personally insulting to me, as this property is part of my pioneering grandparents ' homestead which a friend of the family had purchased and developed, then sold to us. We have held the title to the property since our final payment via XXXX XXXX, recorded on XXXX XXXX, XXXX. I find the Ocwen entity to be incorrigible and annoying in their attempts to rip off American consumers. Please do your best to stop this thieving company and clear my credit report of this DISPUTED CLAIM.
Company Response:
State: AK
Zip: 996XX
Submitted Via: Web
Date Sent: 2017-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hours at work were decreased which resulted in XXXX of loss wages per month, fell behind in mortgage, was approved for repayment plan of XXXX per month. Could not afford that, was told to re-apply for modification, was approved for modification but mortgage payment increased. How is that going to help??
Company Response:
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2017-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage has been paid in full. I have a cancellation of debt that has been filed with the court since XXXX/XXXX/XXXX by the original Grantee. The mortgage company has me delinquent since XXXX and is trying to foreclose on my home when the debt has been satisfied. Their attorney keeps sending collection notices.
Company Response:
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2017-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a second Case Opened based on a recently Closed Case : XXXX XXXX XXXX XXXX XXXX over our Loan Servicing in XXXX. At that time we had an Interest Only rate that the previous Mortgage Company ( XXXX ) had modified for us to a 1.75 % interest Only rate. in XXXX The Rate was supposed to adjust ( Although we were unaware that it became a 5 yr ARM as the original Loan was a 10Yr arm ). we signed a temporary Rate adjustment while our Youngest son was undergoing XXXX XXXX ( He XXXX XXXX in XXXX ). During this time of the adjustment my wife and I were separated physically because our son was hospitalized and I was the only one that signed the document, We went to Sale our Home in XXXX and during this process I reached out to Ocwen to see what the Interest Rate was and was told it remained at the adjusted Lower rate. All the online statements stated this fact and all the statements we continued to receive in the mail stated this, we were never notified of an adjustment and everything we saw or received stated the same ( The 1.75 % rate did not change ). I just had assumed it was through the 10 yr period which the original Interest only Loan was set at which would have expired in XXXX. Had we been told the rate was adjusting to a new higher Rate back in XXXX we would have sold the home at that time or refinanced the home. 2 Months ago we received a notification that the rate was going to adjust in XXXX XXXX so we took steps to sell the home ( And sold-Closed Escrow in XXXX XXXX ). Just prior to closing escrow we received a document from Ocwen stating we owed for XXXX XXXX yrs of unpaid interest ( That we were never notified about until just recently ). This amount is around $ 140k. Had we been made aware of this way back in XXXX we would have taken much different steps with this home. Because of this we are not only losing our life savings we originally put into this home but we now can not afford to buy a home in the city we live in. I noticed a Judgement against Ocwen in XXXX XXXX by XXXX regarding Ocwen 's incorrect statements for its customers? This is the primary reason we are in this mess right now. They admitted the Systems issues and stated they made mistakes on their end. There has got to be some sort of way to resolve this and not put the entire blame/burden on us the consumer. I 'm not denying that I signed a temporary rate decrease by the previous Mortgage company that managed our loan. This was done out of the graciousness of XXXX 's Management and we were entirely grateful. My primary complaint is we trusted the information that we were being provided and made decisions based on that information we were given to us by Ocwen for a XXXX XXXX yr period ( Of online statements and Verbally over the phone ). they must have some sort of responsibility in this. Our family and finances are devastated by this. I have online transaction history, phone records, etc .... that shows all the correspondence on this matter.
Company Response:
State: CA
Zip: 92672
Submitted Via: Web
Date Sent: 2017-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A