Date Received: 2017-10-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I live in XXXX Florida. Several weeks ago we had XXXX XXXX. Immediately following XXXX XXXX, power was stopped throughout effected area. Costs associated with hurricane preparation, loss of food due to loss of power, costs associated with restoration including although not limited to batteries for fans, lights, replacement food, other consumables, and home repair exceeded {$1500.00}. Learned from local newspaper of Federal Regulations regarding National Federal Disasters supporting mortgage payment forbearances to mortgage servicing companies such that up to XXXX mortgage monthly payments can be delayed to end of mortgage term if a request of such is made to mortgage servicing company. I requested forbearance of my mortgage servicer Ocwen on XXXX/XXXX/XXXX. Company representative said that someone will call within 7 days. As of XXXX/XXXX/XXXX no one called or left a message. I called on XXXX/XXXX/XXXX and was advised by " XXXX ID XXXX '' Ocwen mortgage loan representative that Ocwen does not comply with Federal Regulations and furthermore has chosen not to work with forbearance payment delays. I find it odd that Ocwen has such an exception, which means that in addition to paying significantly more money than my monthly payment I need to accept further financial burdens. Incidentally Ocwen purchased my mortgage from another company, and given the choice Ocwen would not be my preference for a mortgage servicer.
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2017-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My monthly mortgage insurance premium is exorbitantly high.
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am US Military Member currently XXXX. On or around XX/XX/XXXX I logged on to the OCWEN website a made a mortgage payment as usual. I make the pay on the XX/XX/XXXX of every month because this home is a rental and I usually do not receive the funds from my property manager till around that time. I do not know what happened, but I guess the payment did not go through. Since I am XXXX and do not have access to my phone number from home, or my mail I did not know that the payment did not go through. I was not contacted by email that my payment had not been made either. I then made a usual payment in XX/XX/XXXX online, I still did not notice that I had a delinquent payment because I had no reason to look for it. Some time towards the end of XX/XX/XXXX I got a email that it was reported on my credit that I had a late payment for my XX/XX/XXXXpayment. I then looked online at the account and caught the error. I immediately brought the account to current status and contacted the company about the error in payment processing. I relayed to them that I was XXXX at did not have access to the cell number listed, or my mail so I did not know that the payment did not go through. I sent them a email to request that the late payment be removed from my credit history since this was indeed a true error. I asked that they look at my payment history and see that I have never missed a payment. I also sent a copy of my orders for them to verify that I was XXXX and did not have access to the listed phone number, or mailed statements. I have worked very hard at keeping good credit history and if I was truly not making a payment I would see why they would not remove this. But given the circumstances surrounding it, I do not think it is fair to keep this on my credit history. If I was not XXXX this would have never happened because I would have received a courtesy phone call, or a notice in the mail ensuring that I caught the error and made the payment before it was considered 30 days past due. This will now affect my credit history for up to 7 years, and I not believe this is right to do to service members. I tried to correct with the company but they would not remove it from my account or credit history.
Company Response:
State: FL
Zip: 32578
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX This is a response by to a letter that was sent to me onXX/XX/XXXXstating if I 'm not satisfied with the response from Ocwen Loan Servicing that was sent to you to reply or you will close the file. After gathering document to show that I was force into a medication from Ocwen after being dismiss from bankruptcy, a class action law suit was file against Ocwen and I receive a letter dateXX/XX/XXXX stating if I did nothing I would be part of the law suit letter enclosed ) I have never anything from the suit, and CFPB was involved in the law suit against Ocwen. Furthermore Ocwen state that I requested a modification and was approve for HAMP modification but there is no indication this HAMP modification is a SILENT SECOND MORTGAGE I would have not requested XXXX added to my loan if they would have stated that it was a second mtg. Guideline to what a silent second mortgage is enclosed. and according to RESPA the mortgage company is suppose to provides consumers with improved disclosures of settlement costs and to reduce the costs of closing by the elimination of referral fees and kickbacks. and I 'm still ask Ocwen to clearly show what the XXXX was applied to and what did Ocwen send to IRS interest that was paid by buyer for the time XXXX. Could not enclosed the silent second mortgage will send later.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I do not know the name of the bank. I will provide the address to the home. Over the last four years, I have worked on undue influence that may have been done because I am a XXXX XXXX. Doctors have worked with me to help a great deal. Though I have many areas to resolve and this is one of them. The mortgage company was sold. I worked with the existing one to get caught up. Due to my injuries and not knowing about them I would become fatigued. They would not even acknowledge that my ex-husband was supposed to assist with these matters in court documents. I am not sure where he ever went to though and got very little assistance in that matter. Address of the house XXXX XXXX XXXX XXXX, Ohio XXXX under the name of XXXX XXXX and XXXX XXXX XXXX XXXX. Court documents show his pension was to go to child support and he was to assist paying for the siding and the housing payment until it was sold. none of these events occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2017-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I refinanced my home that I built with XXXX in XX/XX/2004 and they later sold my loan to XXXX being that XXXX was not allowed to practiced mortgages any longer. I paid any attorney in the past the initial fees, but it was too much. They stated that the loan with XXXX was a Predatory Loan and that I should be able to get out of the mortgage free and clear ; but they want money up front, and I could not pay it up front. I did get a modification before and I fell behind again because I had to stop working because of health reasons and I was in and out of the hospital. I reapplied for a modification and they are saying I do n't qualify although the income is the same or maybe even more. Now they are saying XXXX XXXX is foreclosing on my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32221
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our insurance company fax proof of insurance to Ocwen 7 times in the last 6 weeks they just placed Force insurance and took {$1400.00} out of our escrow account I do n't know what else to do to prove to these people we have insurance
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We were as month behind then two I scheduled a payment and needed to change the date they did n't change it so it bounced. I set it up again they refused there payment I have confirmation of the payment but they never applied it. I wanted to add to my monthly payment as o if be caught up by XXXX they refused now want XXXX by XXXX I ca n't come up with it I 'm XXXX and have high med bills if they 'd let me get caught up by say XXXX XXXX I could do it but they wo n't our old mortgage co let me pay extra when I fell behind this co said they do n't allow it well my Lian was sold XXXX never agreed to a private investor who wo n't follow the law. I need a payment agreement
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen is our second mortgage provided and we are able to payoff the loan. Our payoff quote included : Satisfaction Fee = {$28.00} Payoff Fee = XXXX It appears that this information is not included in the Payoff Requirements and Conditions. How greedy is this lender.
Company Response:
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2017-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: IN THE CIRCUIT XXXX JUDICIAL DIST IN AND FOR XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX Plaintiff, possessor, Droit-Droit XXXX [ Date XXXX XXXX ] VS. G.M.A.C ; OCWEN XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX et al, Defendants XXXX XXXX XXXX LIEN NOTICE AND NOTICE OF GREIVANCES XXXX OBJECTION TO PROPOSED SALE OF HOME AND OBJECTION TO DEBT AMOUNTS ALLEGED COMES NOW the Plaintiff, XXXX XXXX XXXX Pro Per, Federal Whistleblower, XXXX XXXX XXXX. This Notice fulfills the requirements of a F.S. XXXX XXXX XXXX Notice. Notice of grievances to OCWEN LOAN SERVICING and XXXX is hereby given that the entire case and summary judgment are VOID and untenable XXXX XXXX alleged debt paper was bought in XXXX by B.O.A. Not XXXX. BACKGROUND XXXX YEAR FRAUD BY DEFENDANTS AND VOID JUDGMENT XXXX XXXX a XXXX was made, broker unlawfully ADDED {$48000.00} lot equity to amount of {$280000.00} that already included lot and demanded same upon XXXX BANK and Federal Reserve for $ XXXX. The entire project was for $ XXXX, I deposited $ XXXX and the XXXX bank note was $ XXXX. The {$48000.00} was stolen by broker, builder and bank during 15 month construction process. XXXX XXXX an inflated appraisal for the $ XXXX account was made for $ XXXX. XXXX XXXX XXXX XXXX made, {$48000.00} was added back as settlement charges to borrower. The XXXX note was $ XXXX, I paid $ XXXX, the note was now $ XXXX. From start in XXXX XXXX, to XXXX XXXX I paid $ XXXX and $ XXXX in interest for total $ XXXX, 10 % of note. My payments for note were {$1700.00} per month. XXXX XXXX XXXX took over and illegally charged me {$2700.00} per month based on the inflated appraisal, not the note or mortgage agreement. XXXX rescission enjoined for $ XXXX and $ XXXX breach of contract actions by defendants. XXXX XXXX, XXXX filed BK case # XXXX and XXXX BANK rejected the defendants subject XXXX trust ; XXXX SECURED XXXX. XXXX IRS Publication XXXX shows trust as VOID. XXXX XXXX XXXX XXXX, transfers title to notes and mortgages in this and XXXX other trusts, for 1 %. The defendants, the trusts, the mortgages were listed as UNSECURED creditors, UNSECURED debt. Plaintiff filed this action on XXXX XXXX, as a still valid T.I.L.A. Rescission Claim in commerce. Since then the Federal and State governments, attorney generals, Federal Reserve, XXXX XXXX, the CFPB, the Fl. XXXX all agreed to XXXX claims by their XXXX XXXX filings, lawsuits, consent orders. XXXX XXXX XXXX went bankrupt, became XXXX and sold off it 's fraudulent claims of debt. XXXX Courts and Judges XXXX and others, reduced the principal note value of the subject trust and many others worth {$8.00} XXXX to 2 %, thereby voiding the $ XXXX summary judgment. XXXX XXXX the entire XXXX govt and XXXX state XXXX 's, served OCWEN with XXXX lien notice, consent order. This PROHIBITED foreclosure upon Plaintiff and millions across the XXXX, that OCWEN ignored. On APR XXXX the unsecured debt was named on a bogus Affidavit of Indebtedness without a penalty of perjury jurat, thereby making the debt XXXX, as jurat and affidavit is required. On APR XXXX, XXXX after Plaintiff filed XXXX XXXX XXXX Complaints, the CFPB the Fl. XXXX the Fl. XXXX. of XXXX. XXXX. all filed a XXXX LIEN NOTICE and sued OCWEN XXXX SERVICING [ OCWEN ] for Unlawful and Illegal foreclosures, [ including mine ] on behalf of the XXXX XXXX XXXX Bank XXXX. [ WFBNA ] Since XXXX XXXX, when OCWEN took over XXXX XXXX did not SECURE the mortgages onto it 's REALSERVICING platform, until late XXXX, after the summary judgment. The $ XXXX foreclosure judgment is and was a XXXX Upon the XXXX for a variety of reasons. XXXX CFPB/ FL.AG lawsuit and consent order in XXXX XXXX prohibited foreclosure on Plaintiff. XXXX affidavit of indebtedness has several errors including no penalty of perjury jurat. XXXX a totally incorrect claim amount, and was so old it was XXXX not to be used. XXXX contempt was done by fired judge XXXX XXXX XXXX XXXX XXXX with $ XXXX judgment. XXXX XXXX the deal between XXXX and OCWEN was XXXX after being held up XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were XXXX Ordered to Resign. XXXX XXXX, XXXX, XXXX, XXXX went XXXX of business due to my claims. XXXX and OCWEN both XXXX billions of judgments and orders due to the fraud herein, which is and was a Patented, Copyrighted, Trademarked Procedure carried out by the XXXX called the B.A.R. XXXX all that and federal lawsuits and Orders for rescission and restitution for me, the XXXX. XXXX is proceeding on XXXX XXXX lien notice for the states benefit and not mine. CONCLUSION- UNSECURED DEBT MEANS HOME IS NOT COLLATERAL FOR SALE The house and lot in XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is mine, and the proceeds of any ordered sale go to Me being the lawful beneficiary, the state court wants to unlawfully and illegally benefit. UNSECURED because the note was not put into the trust, XXXX SECURED XXXX UNSECURED because that trust was voided, collapsed and rejected by XXXX in XXXX. UNSECURED because OCWEN did not secure the instruments unto it 's REALSERVICING platform UNSECURED because the affidavit of indebtedness has several errors voiding it 's use. UNSECURED because the debt was reduced to only 2 % of face value in prior RESCAP-GMAC cases. UNSECURED because the C.F.P.B. And the FL. XXXX. Filed XXXX LIEN notice, lawsuit against OCWEN for the very same thing I have pled since XXXX XXXX, an Unlawful and Illegal foreclosure. XXXX, the Fl. Attorney General shall submit an XXXX to the XXXX to prosecute this XXXX XXXX Notice for my benefit, and this court must take mandatory judicial notice of this pleading. The proposed sale of my house should be Voided and settled in my favor, not the criminals XXXX. During the trial of XXXX and XXXX XXXX, XXXX Case XXXX ) XXXX XXXX XXXX XXXX XXXX of the United States XXXX XXXX XXXX XXXX XXXX presented with law stated : " I take my orders from XXXX. This is not a law this court goes by. " For all of those who did not believe that the United States was under XXXX XXXX here it is. All XXXX XXXX, Congressmen, XXXX. XXXX, XXXX XXXX, Legislators and most Attorneys know this and are in fact XXXX Agents. CERTIFICATE OF SERVICE Service was made by XXXX Mail to ; XXXX XXXX XXXX Building, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX No. XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Office of Attorney General State of Florida XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX VERIFICATION I, XXXX XXXX XXXX XXXX, hereby verify, under penalty of perjury, under the laws of the United States of America XXXX without the United States XXXX Federal government XXXX, that the above statement of facts and laws is true and correct, according to the best of My current information, knowledge, and belief, so help me XXXX, pursuant to XXXX U.S.C. XXXX ( XXXX ). See Supremacy Clause XXXX XXXX, Laws and Treaties are all the XXXX XXXX of the Land ). WITHOUT XXXX By : _________________________________good as XXXX authorized representative ; XXXX : XXXX XXXX XXXX negotiable autograph XXXX XXXX Terrace-Cape Coral, Florida- [ XXXX ] -D.M.S.R. XXXX XXXX XXXXXXXXXXXX
Company Response:
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A