Date Received: 2017-10-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen insist in sending people to inspect my property in order to charge me once a week inspection fees although I will stay in the house and I will win my case against this abusive Ocwen in the Court of law. Ocwen used real hooligans to vandalize my property steal garden decoration or break solar lamps. They also use forge documents to an account that started with a fixed rate and now is adjustable rate. It is time to stop abusing my property. I will never be intimidate and I will protect my property until all is clear from this massive fraud. I am the sole owner and is time Ocwen stop abusing my property and in particular they must stop sending criminals under false pretest to XXXX inside my property? On XXXX XXXX, 2017 Ocwen sent another hooligan to visit my property and after walking all over and took picture he also took picture of my neighbor main entry and his property too. It is not clear if this was taken in order to try later one to defraud him since in our aria there is burglary. Since he is XXXX and since I was not home he went out asking this hooligan what is he doing taking photo and this hooligan almost start fighting my neighbor because he works for Ocwen a company that abuse and defraud people. My neighbor stated very clear that next time he will go out and if necessary he will not hesitate to make a very big scandal so the incident will be reported in press and TV. A solar lamp belong to my neighbor was also broken and I had to buy it back to him. How long Ocwen send hooligans to abuse my property? Due they have trespassing permission or is a standard abuse done intentionally by this horrible institution. I no longer do this. The neighbor report the incident against Ocwen to Department if Justice, police, and State Department since is not the first time. I am writing this incidents to the Chairman of Ocwen and he ignore this each week. It is time to stop abusing my property, stop using forge documents, stop modifying the account illegal and against our Government proposal to help customers not defraud them They try to increase the monthly payment from {$3000.00} to {$25000.00} since this is no modification this is fraud. How long can Ocwen send hooligan to XXXX inside my property. How many criminals you intend to send to my property. Two months ago my neighbor inform me that Ocwen sent a criminal that after taking photo he XXXX at the garbage aria and after he finish he put a filthy carpet and kneeled in front of it and start praying. The Police was called, the XXXX squad and Ocwen name now is all over those lists. Now Dept. of Finance will investigate against Ocwen so is time to stop vandalizing my property STOP, Again and Again XXXX XXXX ignores me and continue to send abuser to take picture and XXXX on my neighbors properties. The next abuser I find inside my property I will guarantee will be arrested. Ocwen continue to ignore all my letters concerning those abuses so I need CFPB to ask them to reply. My wife is a victim of banking fraud but for this there are Courts that can look into it. I reported this case to the Office of Attorney General as well As OTHER IMPORTANT Departments so in the future if they intend to send such hooligans again we can file criminal charges against the CEO as well as those people. I pray that his family will face a similar barbaric situation and I will be curious to see his reaction. I was told that 3 neighbors complained about Ocwen and their CEO personally to the State Department and we are going to see what will be next so they must STOP abusing my property. STOP. Why are Ocwen allowing this? My neighbor asked me if those criminal taking picture do this so they can burglar later on their house. I told them to make an official complain to the local Police and State Department to Justice Department to FDIC, Fed Reserve, Attorney General and so on. Why such hooligans are sent to private property and confuse it with Ocwens toilet? How do Ocwen feels if in their private property there is a similar incident? They sent hooligans showing off his XXXX XXXX to my neighbor a XXXX and he sent a photo to State Department asking them for clarification. Is this a new sick joke or is another form of abuse order by Ocwen? Almost nine months one of your Representative came at my property XXXX behind a big tree and acting very strange not knowing if he was under narcotic influence or alcoholic. He was extremely rude when he was asked what he was doing and he jump in a car and left very fast once people start coming in the street. He took picture of my property as well as other property and after it he start picking through the windows of my neighbors. Is the policy of Ocwen picking through the Window of a XXXX house? The XXXX file an official protest to the Secretary of State so such rude individuals will never come to visit our property again. We inform the police that Ocwen INTENTIONALLY terrorize my family and neighbors. I was told that the only reason this person under influence did not come inside my property was due to the fact that the Gardner was there. I expect this abuse to be the last one since is uncivilized to send such rude people to a property so he can defraud other property. Ocwen lied to me, abuse me and allow my property to be defrauded. As mention before Ocwen will be investigated by the office of Attorney General by Department of Finance too and by the similar office from Florida, NY, NJ, Pennsylvania, Georgia and by The House of Representatives which started the investigation as well as Department of Justice. FDIC, SEC CFPB, Fed Reserve and a few others too. I am also preparing my legal case against Ocwen abusive and deceiving institution as well as the one against the family of XXXX XXXX too.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2017-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I HAVE A MORTAGE WITH OCWEN. WE HAVE RECEIVED SHORT SALE DOC 'S AND AN EXTENSION, BUT WE ARE IN NEED OF AN ADDITIONAL 30 DAYS TO CLOSE. THE BANKRUPTCY COURT HAS SUBMITTED A MOTION TO MAKE SURE THERE ARE NO LIENS OR ENCUMBRANCES OUT THERE THAT WE DO NOT KNOW ABOUT. THIS IS DONE TO PROTECT THE BUYER AS WELL AS THE SELLER. OCWEN HAS REFUSED AN ADDITIONAL EXTENSION. THE COURT HAS SENT THE DOCS TO OCWEN AND THEY HAVE STILL REFUSED. OCWEN HAS IN HAD THE " PROOF OF FUNDS '', AND ALL INFORMATION NECESSARY TO CLOSE BUT ARE STALLING ONCE AGAIN. WE NEED AN ADDITIONAL EXTENSION TO GET THIS CLOSED AND DONE RIGHT.
Company Response:
State: NC
Zip: 28409
Submitted Via: Web
Date Sent: 2017-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: For the record, sufficient bank account funds were available for every incident outlined in this consumer complaint. Bank records are available for review upon request. OCWEN LOAN SERVICING, LLC is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their deceitful/deceptive business operations ( See attached " Exhibit D '' and XXXX : XXXX ) which include, but are not limited to, collusion, fraud, negligence and malicious intent against consumers of OCWEN LOAN SERVICING, LLC 's products and services. 1. I DID NOT and I NEVER cancelled my mortgage payment on XX/XX/XXXX ( see attached file/Exhibit A as well as the Ocwen Payment Receipt and Confirmation electronic document attached ). OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( S ) failed to properly process and apply my XX/XX/XXXX payment to my account and kicked it out of their system ( 1ST malicious incident in XX/XX/XXXX ). I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XX/XX/XXXX ( See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from OCWEN LOAN SERVICING, LLC . 2. On XX/XX/XXXX, OCWEN LOAN SERVICING, LLC failed to process/apply my 2nd XX/XX/XXXX payment AGAIN on XX/XX/XXXX ( See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit B ) and OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( S ) failed to process and apply my XX/XX/XXXX, payment/kicked it out of their system AGAIN ( 2ND malicious incident in XX/XX/XXXX ). 3. OCWEN LOAN SERVICING, LLC consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached file/Exhibit E ). 4. OCWEN LOAN SERVICING, LLC sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XX/XX/XXXX that WERE NOT cancelled by OCWEN LOAN SERVICING, LLC 's accounting department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by OCWEN LOAN SERVICING, LLC . OCWEN LOAN SERVICING, LLC needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.
Company Response:
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2017-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX Ocwen have charge us with so XXXX in claim to court we was 6 month behind we were waiting on new modification. Because Ocwen claim they were after having home taken out to court " we lost bankruptcy claim we six month and shown drown up lie we never seen any documents of letter showing we were $XXXX behind .this is new bankruptcy we had just filed. Last. Bankruptcy XX/XX/XXXX Ocwen went to court claiming to take mortgage same lies we were again 6 months behind $XXXX in area / doing process of the first modification Ocwen claim we owe $XXXX and that was not true because we only owed $XXXX in XX/XX/XXXX you see we never sees what I can go to send to the court until after it's been sent did Judge don't ask no questions because they believe that it what creditor say until we start complainting about it to you all and the Attorney General's office but Ocwen don't change anything they continue to charge fees and insurance .we never know what next with this company Ocwen sent 7 letter to court lift stay we had modification Remember in my complaints over never except what judge approve doing time we was in bankruptcy Ocwen claim our payment was $XXXX not what original payment was $XXXX. Judge lower it He knew modification to lower payments and bankruptcy paying $ XXXX out bankruptcy. Ocwen continues charging us taken all escrow many month ago Ocwen have not did any thing they claiming we owe XXXX behind have not credit us for the amount received from bankruptcy or paying they continue get higher Ocwen have gotten them set attorney to began foreclosure on my home I paid to much they claim to bankruptcy XXXX then send in another area $XXXX. $XXXXWhat Ocwen been doing If we file claim on insurance hail damage we send check to Ocwen we got recharged fees as if it was payout from them put in escrow charge me back see on statement over years this fraudulent activities I have made many complaints no they haven correct problem. After that their attorney to send many letter to wife and I got this particular judge same nationality as they were and he went on and taking it out of the bankruptcy in XX/XX/XXXX claiming were going do modification we got packs back in XX/XX/XXXX for 6 months we call they clam they working on new modification. They was lying and deceitful and a bad practice XX/XX/XXXX we got 4 letters from there attorney with with Ocwen investors which question to do a foreclosure this company is bad business " I have requested to talk with with the president and the CEO which is the same person XXXX XXXX. He initially called and talked to my wife about XX/XX/XXXX and it was some things that I heard him say when he thought his phone on hold and I could hear in the background that he was talking to another person about taking the property from a XXXX man which was XXXX XXXX and from that day forward I've been calling request to speak to this XXXX XXXX my wife have I haven her durable power of attorney take care all business matter I work in other state some time.I had Ocwen on staff some while back they still continue charge me fees. This been very hard you try pay they claim to court I wad 6 month behind when my wife call request them send what the six months amounts would be that they claim we owe at bankruptcy court they have refused to give me that amount at which would be $XXXX they would not do it they are claiming we behind 60 month doing process of modification Ocwen will not accept a payment. They come back claim we owe all this money claiming on statement. I we been dealing with this for year until we taken fight there XX/XX/XXXX claiming we was in forbearance left XXXX balance just thought we on our way when we get in our XXXX's all good we in our XXXX's it still happen fees charges want correct want take our home. Sent over 14 harassment letters from a Repo we had 30 days respond 'in Ocwen Company XXXX XXXX all and the affiliationsThe are thief in different areas of this country we we purchased his house we was XXXX -XXXX years of age.this is to long suffer we XXXX XXXX we distress. And mistreated by own Mortgage Company how could anybody continue to do these things and they keep getting away with it and your charge to feed been sued by the Attorney General office and they lied claiming that we need to send in a paper handwritten letter stating that will be a part of this lawsuit type the letter up and send it to Ocwen so wait 5 days call back that's a no you need to hand write the letter Center ID and all that and call back again they act like it was a funny joke and here come the letters of trying to foreclose on a house now that is not right that is so wrong they really do need to get a copy of this statement and I hope you all do everything to make sure this company never practice and this state of this United States never again.
Company Response:
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2017-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-02
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX has filed a foreclosure lawsuit against my property with Ocwen Loan Servicing LLC. Both Ocwen and XXXX XXXX in parity have conspired to commit fraud even responding through the Consumer Ombudsman office. XXXX XXXX the document custodian of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass through Certificates XXXX XXXX claims to be the owner, Lender and Beneficiary of the subject Loan. I contacted XXXX XXXX to verify the validity of the attached Limited Power of Attorney. XXXX XXXX VP of XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA called me back and upon asking himto verify the LPOA as XXXX is trying to collect on the DOT and forged note told me to sue them. XXXX 's attorneys at XXXX and XXXX XXXX, who have claimed that XXXX is the Lender and Beneficiary claimed that the Deed transfer occurred on XXXX from the originator the XXXX XXXX XXXX to XXXX XXXX. However since the trust is suing me the PSA nor the LPOA was attached and the XXXX XXXX was the broker, the loan was transferred the day of closing XXXX to New Century who sold it to XXXX XXXX XXXX. The title search from XXXX reveals that only the XXXX XXXX XXXX was listed and no subsequent fillings of transfers occurred until Ocwen and XXXX did an illegal substitution of Deed XXXX and appointment of Trustee between themselves. The letter dated XXXX from Ocwen to the OAG claim that XXXX XXXX is the custodian of the blank Note. This entire transaction and self appointing by the two entities fails as XXXX XXXX filed Chapter XXXX on XXXX XXXX, XXXX and could not have held onto or endorsed the Note Without Recourse in Blank to the Trust that closed on XXXX XXXX, XXXX. XXXX XXXX the document custodian of a long closed trust is foreclosing on properties with forged documents. WRONG company is NOT the answer.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX I was notified that my monthly payment was increasing from {$520.00} monthly to {$940.00} per month. The increase was intended to escrow for homeowners insurance. I forwarded a copy of my declaration page as well as confirmed with the insurance department that all insurance cost has been paid by me. We agreed that the account should only be escrowed for taxes. Ocwen proceeded to increase the monthly payment. In XX/XX/XXXX I attempted to make the XX/XX/XXXX payment and was unable to do so because it was less than the amount required. I subsequently attempted to contact the identified relationship specialist who has never been available. I have had to speak with 3 other individuals. On XX/XX/XXXX a request to the escrow department was made to opened workflow process. I was told that the process would take 10 business days. A followup appointment was made for XX/XX/XXXX at which time I spoke to another specialist who informed me the workflow process had not been completed. On XX/XX/XXXX I called again spoke to different person who informed me the process had been complete and it had been determined that Ocwen would pay the insurance despite all of the evidence showing they had not paid it in the past 3 years therefore there was no basis for making changes in the escrow amount. I was told that I should faxed them a letter stating my preference to continue paying my homeowners insurance ( which I am doing today ). I have been force to make a payment to avoid being 90 days past due. I have explained to each representative that I can not afford this $ XXXX monthly payment and no one seems to know how to communicate within the Ocwen organization to resolve this issue.
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2017-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: ok.. im so very sorry to do this again.. but my concerns are if everything esp..from here on out isnt documented or monitored is going to do us no good with ocwens history but it does seem to be that we have been able to speak to the same person more than once now and that he hasnt been giving us different answers but that is not to say that 2 weeks from now we wont have a different relationship mgr with different answers and rules..i know you guys absolutely hate me but im just a mother trying to save our american dream ... ..on this last trial offer you are making us..it says that all liens must be free and clear.. before the permanant modification, so since you have been paying our taxes since you took over our loan ... is it up to you to clear this up or up too us? thank you!
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2017-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Im writing to you in hopes that you can resolve a horrible and very exhausting situation that Ive been placed in due to the direction which was provided by my mortgage company Ocwen. Ive been experiencing this situation since XXXX XXXX. This is a process that I was told from Ocwens own representatives that would take a 5 day process has now prolonged into 6 months process with no result regarding what OCWENs representatives has advised me would occur when I inquired about placing {$100000.00} on my principal payment in order to lower my mortgage payment. I initially inquired about this due to changes that were occurring in my life. Im beyond upset and disappointed with the poor handling of this matter especially because my own mortgage company Ocwen, has directed me with wrong information and has now subsequently placed me in a financial burden. The agreement and the expectation between Ocwen and I, was if I applied a {$100000.00} towards my mortgage my monthly payment would be reduced accordingly. Ocwen confirmed multiple times that this would occur. However, Ocwen has processed the {$100000.00} and has still till today has not adjusted my monthly mortgage payment. Heres some background on this matter. Ive been with Ocwen, my mortgage company for years with no issues no complaints. About 2 years ago when the interest was low I called Ocwen and inquired about doing an internal refinance, which I was able to do. Very smooth process. I asked at that time regarding if I would pay off a large sum on my mortgage would they modify my payments without having to go through this entire process. They advised me yes. I also asked regarding the MIP if that would be removed they advised me yes as long as I pay off 30 % of my mortgage it will automatically be removed. Fast forward to XXXX XXXX, I contacted Ocwen once again to reaffirm that the above process is still available and Ocwen will fulfill this matter. I was then advised by Ocwens representative that my MIP will be removed and my monthly payments will be reduced accordingly. I was advised to issue the payment and state principal payment on the check then to issue a letter to the recast department requesting to modify my payment, within the letter to include loan number and my brothers name and my name and that the both of us would need to sign the letter. ( The reason for my brothers name to be added is because the mortgage is in my name and my brothers ). I was advised it would take only 5 days to process the request once the payment is made. In XXXX, I called again prior to sending the payment and the request to make sure this was accurate direction provided. Another Ocwen representative that assisted me that day advised me to send the check and the request together to the recast department because sometimes they will misapply payment so its safer to issue the check and request together in one envelope so that the request is clear and done correctly. Which made sense and this is what I did. I was also told that a representative will contact me when they initiate the payment modification process.. Im attaching my statement where you can see the amount of {$100000.00} was made on XXXX XXXX, XXXX. I waited about a week after that no call from Ocwen regarding my request however, I noticed from my account that they had processed the payment. I called the following week every day and was advised by Ocwens representative they are working on this process. Eventually after a week or two of being informed they are working on it, this didnt make sense because I was told this should only take a 5 day process and its now 2 weeks. I then called Ocwen and requested to speak to a supervisor where I was told they never initiated the request. I was one the phone with the supervisor from Ocwen who then apologized for this matter and stated he will escalate the issue and get this resolved immediately. I was on the phone with him for about an hour. He advised me that he will handle this matter and get this matter resolved. Since then, I started to call every day to make sure things were being worked on and that they were processing the request. I finally received a letter advising of the modification amount and it will take effect back dating to XXXX XXXX, XXXX. I then received another document, a Modification of Promissory Note requesting that the document is to be signed by my brother and I, as well as notarized and sent back to Ocwen by XXXX XXXX, XXXX. My brother and I fulfilled this request. We both signed and notarized the document and mailed it overnight shipping. I called the supervisor the next day and advised him that I mailed the document overnight which Ocwen should receive and that I would send him a scanned copy via email as a courtesy copy. A couple of days had past and I did not hear from Ocwen. I called to get a status and the Ocwen representative that assisted me that day advised me that the document they have on file is not signed or notarized. I advised the representative that I mailed the original copy which they should have on file and I scanned and emailed a courtesy copy both reflecting signatures and notarization to Ocwen. The representative advised he does not see that Ocwen received the original copy. As Im on the phone, I provided the representative with the tracking number. Ocwens representative stated it was sent to the wrong zip code reason they did not receive it. As I was on the phone, I could not believe this ; I then checked for myself and tracked the document which showed it was mailed to the correct address however no one signed for it so it was sent to the postal service where an Ocwen representative then signed and picked up the document. At that point, I requested to speak to a supervisor. I explained the situation to the supervisor, who realized it was an error on their part, reassured me they will take care of this and my mortgage payment will be reduced accordingly. The supervisor also, advised me its the weekend however, someone in another department has the document however, it has not been scanned into their system. Stated she will reach out to that representative on Monday and assured me not to worry they are in the process of lowering my mortgage payment and this matter will be resolved. I thanked her. She continued to update me that week and assure me that they are working on this process and soon will be lowering my mortgage payment accordingly per the Promissory note. On Saturday XXXX XXXX, I received a call from the supervisor, advising me they are unable to process the request as a law had passed which does not allow Ocwen to process the request. I couldnt believe what Ocwen had advised me after all the reassurance and time this process has taken. My brother and I have been planning for this day for years. We worked hard to save and come up with the {$100000.00} to pay on our house as I knew at one point he would move one and get married and have his own house and bills to pay and he would not be able to contribute to the mortgage and bills anymore. We both knew that I was unable with just my income to keep paying {$1800.00} with other bills and taken care of the family. We always contributed together to make sure our bills and mortgage were paid and our family were taken care of. The day for him was approaching and thats why I started to inquire regarding the payment modification and MIP removal. He was closing on his house in XXXX. We thought we would get this process started and this process would be completed by XXXX, which in turn would give me a month to save some money to start taking over and paying the bills on my own with no financial burden as we thought the mortgage would be reduced by a substantial amount, an amount that I would be able to handle and continue with our normal day to day lives without being in a financial burden. Ocwen has directed me and provided me with false information this entire time and to them it has not caused them any harm but has caused my family my brother and I in a whirl wind of financial problems. My brother and I could not believe this has just happened to us. My own mortgage company Ocwen, has directed me with wrong information and has now subsequently placed me in a financial burden. The agreement and the expectation between Ocwen and I, was if I applied a {$100000.00} towards my mortgage my monthly payment would be reduced accordingly and the MIP will be removed. Ocwen confirmed multiple times that this would occur. However, Ocwen has processed the {$100000.00} and has still till today has not adjusted my monthly mortgage payment. I didnt know what to do my entire life came to a stop in hopes to fix this problem I called my Senators office and was advised to forward them all the information as I am doing here but not with this much detail. The Senators office then filed a complaint with what they advised me is the XXXX XXXX or the XXXX XXXX XXXX in hopes this matter would be amended. I waited for almost another 2 months to two and a half months to obtain a response from XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX at Ocwen. ( Ill attach the response ) .For the first time in this entire response was I ever notified that the MIP was unable to be removed due to the explanation she provided as well as advising the Modification of Promissory Note was sent to my brother and I prematurely, as we had not received investor approval. Why couldnt the Ocwen representative advise me when I inquired on XXXX XXXX, XXXX, that I should initiate my request initially so a representative could confirm if a recast could actually be done and then issue the payment? If I knew of this outcome I would have never initiated this process and issued a check in the amount of a {$100000.00}. I would have set aside some money from the {$100000.00} in order to make payments on my mortgage and invested the rest in order not to be in the situation that my brother and I are in today. XXXX XXXX stated that the Modification of Promissory Note was sent to us prematurely, as Ocwen had not received investor approval. If this so and was a mistake on Ocwens part then the {$100000.00} should not have been processed. Rightfully, the {$100000.00} should be credited back if this was truly a mistake. This is a prime example that everything that was advised to me upon the direction of Ocwens own representatives was done prematurely. This is not fair and I find this to be outright ILLEGAL and FRAUD. Even before filing this complaint I thought let me try and contact Ocwen if they can do an internal refinance considering this situation. I called Ocwen on XXXX XXXX, XXXX in hopes that Im able to do an internal refinance and waive the closing costs considering this entire process. I was advised that I do have the option for such and was directed to speak to a financial representative at XXXX XXXX XXXX XXXX who Ocwen directed me to. When I explained the situation to that specific representative for the first time ever during this entire process was I advised that the MIP is unable to be removed just as XXXX XXXX stated in her response. This gentleman knew what he was advising and I credit him for that. If this was advised to me previously I wouldnt be in this situation. He also couldnt believe that my monthly mortgage payment was not lowered and the handling of this matter. He stated to me he never heard of such a thing. I inquired if there was anything he can do in hopes to assist me. I explained to him the situation of my financial stance at this point along with my brothers and the debt to income scenario. He advised then a regular refinance will not work as he will have to run our income and financials and if theres a debt to income situation then that option will not work. He advised me he has another option which is a streamline refinance where a request for financial records is not requested and the debt to income will not be a factor. However, my interest will increase dramatically from 3.875 % to possibly 5 % maybe more. The MIP will stay however, even with stretching my mortgage out to 30years from 22years where its at now and closing cost which are not waivable and ranges from $ XXXX ( which will cause an increase on what I owe on my principal at this point ) will only save me roughly {$200.00} a month on my mortgage payment. I thanked him for his advice and explaining this matter to me thoroughly. I did not find this to be a rectifiable option for me. I will be adding more onto my principal, stretching out my loan back to 30years and increasing my interest from 3.875 % to 5 % if not more. When the Senators office received the response from XXXX XXXX they as well could not believe the response. I was advised from the XXXX XXXX to file a complaint with your Department Consumer Financial Protection Bureau. I am pleading with you for a resolution to this entire ordeal which Ive been going through with Ocwen, since XXXX XXXX of XXXX. This has been handled incorrectly from the start and has been very excruciating process to deal with. Every one of my conversations with Ocwen is recorded, you can request phone conversations if you are able to. I hope and plead that you are able to assist me in this entire matter and find an amicable resolution to this entire ordeal. I truly apologize for this long drawn out complaint but I wanted to express everything that Ive dealt with because of this matter. Thank you, XXXX and XXXX XXXX XXXX be attaching the response from Ocwen, mortgage statement where it shows the {$100000.00} was processed, an email where I inquired about the MIP and the signed and notarized Modification of Promissory Note.
Company Response:
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2017-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I hired an attorney to address the Deed Inlue of foreclosure ( DIL ) and Ocwens appointed DIL attorney matters. At the request of either Ocwen ( receiving mailed DIL data packages ), or at the request of the Ocwen attorney, I have been submitting the same DIL data package ( same type of information ) to both parties since XXXX. A total of six ( 6 ) DIL data packages to date have been submitted. I have yet to receive a final filing of the ( notarized ) DIL document filed with the residential court of record. In addition, since the matter is still in litigation, Ocwen ( terms in wring from their attorney ) reversed its position of not reporting this matter to the credit bureaus and has since reported negative information to the credit bureaus. I have reached out again to an attorney ( bill still piling up for services rendered ) to address this ( negative ) reporting matter, of which is an unfair tactic/practice by Ocwen. In closing, had I not been able to qualify for the DIL ( letters received from Ocwen ) Ocwen has demonstrated some egregious practices. Ocwen nor their attorney should be allowed under any circumstance to consistently mis-handle a home owners ( qualified ) DIL data package.
Company Response:
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2017-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: i will have to make this the resolution box bc i messed up bc i had my son attatch my documents and show me how ... a nice resolution would be to forgive my loan after all the XXXX and hours upon hours of research and paying 3 different lawyers who just took our money and sat on our case from the very beggining of all this.. we had to actually hire one lawyer to sue another one to get our money back and then he took half of it ... my last lawyer had no clue what was going on even after having our paperwork in his office for a year claiming he was " combing '' through it ... .and esp ... after all your fraudulent paperwork and demeaning our family that way XXXX XXXX XXXX ... but since i know that will never happen ... im asking for the XX/XX/XXXX offer that we never was sent ... .we have been in our home since XX/XX/XXXX ... this is all my children know ... we would like nothing more than to be able to stay and afford it..the XX/XX/XXXX offer was perfect for us ... .your consideration of this would be greatly appreciated ... thank you for your time!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2017-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A