Date Received: 2017-10-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: i applied to many loan mods but we failed to make payments XXXX time i had the payment they refused it we have time to do another mod my XXXX XXXX XXXX XXXX we lost income my XXXX XXXX XXXX last year lost income then to i work XXXX jobs still don`t make hardly any money
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2017-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: What is this complaint about? Mortgage company What type of problem are you having? Mortgage payment fraud and non payment of escrow credit. What happened? On XX/XX/XXXX, the XXXX XXXX XXXX, VA, Treasurer 's office sent proof by letter and telephone confirmation of my XXXX XXXX tax exemption for being ( XXXX XXXX XXXX ) rated at XXXX XXXX. In turn, a tax credit in the amount of {$3700.00} is owed me. However, OCWEN continues to hold this escrow credit and refuses to remit payment to me as supported by law. This letter served as official notification to OCWEN to stop collecting property taxes via my mortgage escrow account. As of date, I have spoken with several OCWEN representatives and received conflicting information about this matter. For example, I am being told by OCWEN that an " escrow analysis '' is needed. To date, each of my inquiries to OCWEN I 'm told " another '' escrow analysis is needed so far three have been done with no resolution. Another telephone conversation with OCWEN, I was told my mortgage payment went from $ XXXX+ to $ XXXX+ for the XX/XX/XXXX payment. Instead OCWEN sent me a monthly statement for XX/XX/XXXX in the amount of $ XXXX+ with {$780.00} of " escrow '' which I am " exempt '' from as of XX/XX/XXXX to Present. I am now dealing with an OCWEN employee from the " Research Department '' named XXXX at ( XXXX ) XXXX ext. XXXX. I spoke with her on XX/XX/XXXX as she informed me she would be ordering a new escrow analysis ( 4th one ) and handling my matter going forward. I told her that I will not submit a monthly payment as my mortgage payment is incorrect, I do n't know what is going on with my account, and that OCWEN is committing fraud by intentionally misrepresenting my account and refusing to refund my escrow credit only offering excuses of internal systematic miscalculations. I am very angry and very confused about the entire matter with OCWEN. I seek immediate assistance for this complaint. What company is this complaintabout? OCWEN Who are the people involved? Research Department ( random employees ) As of XX/XX/XXXX, XXXX at ( XXXX ) XXXX ext. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2017-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Eight years ago my husband XXXX After his XXXX I called the mortgage company to let them know and to take over the house payments. The company said that they could not talk to me and proceeded to never discuss the home with me. I wrote them letters, and I called and never received a clear understanding of why they could/would not talk to me. I was legally married to my husband at the time of his XXXX and live in a state where this provides me a particular set of rights. Now, after almost nine years, I have not been able to resolve the issue with the house, which has been difficult for me. I have maintained the house, paid utility bills, home owners insurance, and property taxes. I am writing this complaint in hopes that I can resolve this issue and bring some closure to my husbands untimely XXXX. My issue is with Ocwen. Ocwen is a debt collector that is seeking to collect debt on the house. They have contacted me for several years attempting to foreclose the home, but they have not been successful. They constantly rotate between their predatory practices and authorize predatory practices with other companies ( probably companies they own ), XXXX and XXXX. After thwarting an illegal eviction by an XXXX vendor, who claims to have been authorized by Ocwen, I have been trying to work with Ocwen to complete a short sale of the property to settle the alleged debt. The short sale process has been difficult for many reasons. They initiated this short sale proposal, but it is challenging to communicate with them. I have been talking to an Ocwen employee who says his name is XXXX. He contacted me sometime in early XXXX. He proposed that I do a short sale to resolve this situation. At the time, I felt that it was a good proposal. I followed his instructions, which were to fax an authorization letter to them that would allow a real estate agent to talk with them in order to sell the house. I found a realtor and faxed a letter of authorization on XXXX XXXX, 2017. The realtor called them to start the process, and Ocwen said that they had no record of an authorization letter and could not talk to the realtor. I called XXXX, but he did not call me back until a couple of weeks later. When he called, he said that he had not seen an authorization letter, but he would investigate and get back with me. He also said that I needed to also have an authorization letter that proves that I am who I say I am in order to sell the house to resolve this situation. However, that is a very late request considering they have sent me pounds of paper without confirming my identity. This exchange of paperwork without a clear understanding of the process shows that Ocwen is continuing to privilege their predatory practices. If they want to complete the short sale ( with their offer of an 80/20 split on the sale to bring the alleged debt to a close ), I want to see the documentation and authorization from them that brings a legal closure to this long, grief-filled set of encounters with Ocwen, and presumably their subsidiaries or partners, XXXX and XXXX. I processed a complaint on XXXX, whose dishonest response tries to paint themselves as preservationists. It is believed they have placed the home on a black-market type site that asks that no one disturbs me as they run a buy-at-your-own-risk operation. They all work together to create what seems to be a black market that preys on homes that they believe belong to less educated American citizens with lower socioeconomic statuses. They represent what is wrong with the housing market in our American culture that cultivates an illusion of equitable access and protection for homeowners. .
Company Response:
State: AL
Zip: 36830
Submitted Via: Web
Date Sent: 2017-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX is a senior on XXXX XXXX living alone and in and out of the medical facilites for various medical treatments and procedures. She did in fact hire several law firms to take care of her bills and and her home and all 3 of the the law firms with licensed lawyers with so called experience took her money and even the attorney she gave her check book to pay her expenses is no where to be found. After returning to her home she found that none of her bills ( even her utilities were off ) nothing was paid as well as her mortgages. She is now faced with a foreclosure on a second mortgage serviced by Ocwen Loan Servicing. She has tried to speak to Ocwen but has not been able to work out any solution so far. She is facing foreclosure on XX/XX/2017. She pray that she will have a chance to save her home. This is a XXXX second loan serviced by Ocwen. XXXX has monies available to her that she inherited from her late husband. She is able to make payment arrangements and she need and want to save her home. She is looking for help ... Please help her!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Third submission XXXX/XXXX/XXXX I spoke to an Ocwen representative the week of XXXX XXXX and was informed that Ocwen was still working on this inquiry. I was informed that my property was NOT in foreclosure. I received a letter from an attorney that my property was in foreclosure. I have been misled again by Ocwen and deceived. I have not had a resolution to a modification request and appeal for over 6 months. Ocwen 1 ) asked me for money for an appraisal that was sent by me but never cashed or returned to address the modification appeal related to the valuation of the home, 2 ) Offered a modification if I had XXXX payment, of which I had/have but never sent paperwork to make the adjustment and modification, 3 ) promised to review the last data I sent them over a month ago and call me with resolution but never has, and 4 ) lost or can not find documents they sent to me that I kept and sent to them directed me what to do with the modification appeal. Please investigate. To : CFPB Im frustrated. I took a call today at XXXX with a representative of Ocwen. I was informed that my home is active in foreclosure. I have been challenging and appealing the matter for almost 5 months. As of today, Ocwen reps do not have and have not resolved the original appeal. Failed to take into account that I followed instructions. Cant find the {$200.00} check I sent for the internal review. Has not addressed this letter and the rep does not even know about this letter. Wants me to do another letter modification packet with Ocwen instead of resolving this issue on the appeal. Noted that I inquired about a payoff and I did not make a request which is a fraud alert activity on my account. Please stop the foreclosure action and review the records you agreed to review and resolve the valuation appeal that has been outstanding since earlier this year. XXXX Letter To : Appeals Unit, Consumer Finance Protection Bureau XXXXXXXXXXXX XXXX This is a partial letter with the full letter to be attached. The focus here is on repeated request for resolution of an appeal made in early XXXX. I disputed the appraisal and assessment in XXXX. Ive sent in a check for {$200.00} for an internal appraisal. I missed my appointment with Ocwen Monday XXXX XXXX, XXXX. The home has water damage and suffered a burglary. The pictures of these items as well as the estimate to repair are attached. I do inhabit the home in XXXX. Please reset my call with Ocwen and my relationship manager to discuss these items. This information is true and accurate to the best of my ability.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was on the site XXXX Which is an auction site for foreclosures that banks are trying to sell I properly setup an account I saw a property in my home town of XXXX XXXX the property address XXXX XXXX XXXX XXXX XXXX XXXX XXXX was owned by Ocwen Mortgage to whom I had to get approved by them to end the auction at the buy it now price of XXXX XXXX dollars which they asked if I was willing to accept the property for the price with the house having extensive damage with necessary rehabilitation to live there and I agreed on the basis that I would need financing of the property price not the repairs just the price they had aggreed to end the auction with approval for financing I sent over my information gave my notice at my apartment I lived in and set up all necessary information for the closing process started packing my home and the bank Ocwen called and said so how will you be paying for the house I replied I thought that you were going to finance me they said no we are n't going to do that I said that was our agreement they said no you need to secure financing on your own they then relisted the house and left me homeless I 'm hoping something can be done about this
Company Response:
State: MA
Zip: 01605
Submitted Via: Web
Date Sent: 2017-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XXXX XXXX I refinanced my home. The first mortgage was held by XXXX. They did not release the lien against the property. Ocwen is the successor company and is reporting the loan as paid of and closed to all XXXX credit bureaus, but refuses to issue a lien release. They claim to have no record of it and do n't know how all XXXX credit bureaus have identical information from them about the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2017-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-04
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I have been subject to false, fraudulent, and sharp business and collection practices by Ocwen Loan Servicing, LLC. Below is a description of the four to five year ordeal. I attempted to resolve delinquent mortgage debt for my parents. I am their legal power of attorney. On or about Tuesday, XXXX XXXX, XXXX, I received in the mail the enclosed IRS form XXXX, cancellation of debt for my mother, XXXX XXXX for whom I am attorney-in-fact. This is the third XXXX I have received from Ocwen for the same loan. Ocwen also sent one intended for my father, XXXX XXXX XXXX, who XXXX on XXXX XXXX, XXXX. I have several issues with the enclosed XXXX as well as Ocwens fraudulent conduct throughout my attempts to resolve the mortgage loan delinquency. First, with respect to the XXXX, the date of identifiable event is XXXX XXXX, XXXX ( the Identifiable Event ), which is approximately three weeks after Ocwen and/or XXXX XXXX sold the property on XXXX XXXX, XXXX to a XXXX XXXX for {$91000.00} ( the XXXX Sale ). The fair market value ( FMV ) of the property on the enclosed XXXX reflects a FMV of {$6400.00}, the amount paid at the foreclosure sale. According to Internal Revenue Service ( IRS ) Temporary Regulation 1XXXX6050J-1T ( Q/A 32 )XXXX In general, absent clear and convincing evidence to the contrary, the proceeds of the foreclosure, execution or similar sale will be considered the fair market value of the property for purposes of this reporting requirement. In the instant case, the arms-length XXXX Sale on XXXX XXXX, XXXX in the amount of {$91000.00} is clear and convincing evidence of the FMV of the property. The XXXX Sale occurred twenty-three ( 23 ) days before the Identifiable Event and is clear and convincing evidence of the FMV of the property. The purchase price agreed to by a willing seller and a willing buyer in an arms length transaction is the clearest and best evidence of the fair market value of the property. In my view, Ocwen ignored the XXXX Sale as a true reflection of the FMV in order to inflict as much hardship on my XXXX-year old mother who lives in an XXXX XXXX XXXX. Demand is made that Ocwen immediately revise and reissue the XXXX for XXXX XXXX reflecting a fair market value of the subject property in the amount of {$91000.00}. I also dispute the amount of debt discharged in box 2 in the XXXX. This amount was grossly inflated by Ocwen by its own conduct. My first attempt to resolve this was in late XXXX or early XXXX at which time I attempted to work out a loan modification. I agreed to a {$10000.00} curtailment payment, which was made, but Ocwen, employing fraudulent and sharp business practices, doubled the monthly payment. I would not execute a forbearance and loan modification agreement with a monthly payment double the contract amount. My parents were on very limited and fixed incomes, surviving on a small XXXX XXXX XXXX pension and Social Security. The terms Ocwen proposed were simply not possible. My second attempt to resolve the delinquency was through a short sale in late XXXX and into XXXX. Through an agent, I found a buyer for the property who was willing to buy it for about {$74000.00}. Ocwen ordered an appraisal from XXXX XXXX, owner of XXXX XXXX. The appraisal, as I understand it, came back in the vicinity of the short sale purchase price. The Ocwen agent I was working with in XXXX intentionally, willfully and fraudulently altered the XXXX XXXX by discarding the comparable sales and replacing them with three other properties that were not comparable recent sales, one of which was not even on the market or the subject of a recent sale. Such fraudulent and sharp business practices are why I stopped attempting to work out a solution with Ocwen. Every effort was met with false and fraudulent statements and conduct from Ocwen. My final attempt to resolve the loan was through a deed in lieu of foreclosure in XXXX. My final attempt to work this out was a failed deed-in-lieu of foreclosure in XXXX which, again, failed because of the business practices of Ocwen and its outside counsel which refused to return phone calls and did not make email addresses available. Ocwen also ensured that interest, costs and other amounts would continue to accrue by employing an aggressive and incompetent collection system run out of its XXXX based call centers. I received hundreds of calls from your call center. They knew nothing about Pennsylvania real estate law or anything else and were very difficult to understand.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2017-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I had inquired a refinance from Ocwen Mortgage ( Fla ) ( I live in P.a. ) ..in XXXX ... .they foreclosed on my house before the time allowed ... with my possessions inside ... .i had a buyer for the home..through a realtor ... they ( his name was XXXX XXXX XXXX refused the offer of 91,000 $ ..i filed bankruptcy added the house to the bankruptcy ... THEN when my home was sold ... .they tried to come after me for the balance ... .because if they had taken the XXXX offer they wouldve gotten 30,000 $ more, than they ended up getting through the bankruptcy, which was only 70,000 ... so i lost my home ... .over the years i had heard from a law firm that was supposedly filing a class action suit against them ... but ive never heard anything again!! Im STILL XXXX about this ... it was my childhood home ... i was taking care of a toddler and a XXXX mother @ the time ... .My Mother passed before the foreclosure ... but they were horrible to me!!!!!
Company Response:
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2017-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In XX/XX/XXXX I opened a mortgage with XXXX that was later foreclosed and then sold to Ocwen on XX/XX/XXXX. On my credit report it shows XXXX " account opened XX/XX/XXXX '' and Ocwen " account opened XX/XX/XXXX '' It also shows Ocwen then foreclosing on the home again in XX/XX/XXXX. Paperwork per XXXX County Property records show Ocwen did not take over this property until XX/XX/XXXX. My report is showing that I had 2 open mortgage accounts at the same time by two different mortgage companies when I did not. This has affected my credit score and Ocwen will not properly state the date they took over the mortgage. I have contacted XXXX who removed Ocwen off my credit report, I also contacted XXXX file # XXXX on XX/XX/XXXX I recieved a decision from XXXX of my dispute, but the information was still the same when I called they informed me that even though I had provided documentation of my dispute that it was up to the creditor to decide whether or not the information will be changed not based on consumer documentation. My XXXX file # XXXX XXXX also sent me a letter that the information was updated but the information is still the same as before my dispute. I called Ocwen spoke to XXXX in the research department on Monday and he told me Ocwen did n't have to adjust the date because this was the same account from XXXX although they have 2 differenct account loan numbers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2017-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A