Date Received: 2017-09-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen Loan Servicing deliberately mishandled a payment I made through their XXXX XXXX XXXX in XXXX XXXX XXXX. Again, the payment was made through their XXXX XXXX service and I have confirmation. The company has routinely ignored my inquires and recently sent me a statement alleging the charges for that payment were reversed. I confirmed with my bank that funds transferred. I am in the loan modification program and ensured that I was never 30 days late throughout. I believe this is a deliberate attempt by Ocwen to break the law as they have done with so many other homeowners. Today, some unidentified person was on my property. When I confronted them, they said, without producing any identification that they were there on behalf of Ocwen. I am being harassed and I have done everything right. Homeowners are at the mercy of this unethical company and citizens need your help. Please advise next steps.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2017-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was approved for a loan modification with 3 trial plan payments that began on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Then in XX/XX/XXXX the bank cancelled my modification because I did not sent back the Acceptance Letter. I informed them that I did not receive it that they had sent it to the wrong address, one number less. Then I called again and was told that they confirmed that they put the wrong address and would request a reversal on the denial. Again, I called on XX/XX/XXXX and was informed that they would not reverse it and now I have a sale date for XX/XX/XXXX. Please help me avoid foreclosure and keep my home.
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2017-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: THIS IS REGARDING LOAN NUMBER XXXX WITH XXXX XXXX. OCWEN MORTGAGE IS A PREDATORY AND DISHONEST MORTGAGE LOAN SERVICING COMPANY THAT PURCHASED THIS LOAN FROM GMAC MORTGAGE. IN THE MONTH OF XXXX 2017 I MADE 4 PRINCIPLE PAYMENT TO THIS LOAN IN ADDITION TO THE REGULAR MONTHLY. THEY EQUALED {$10000.00}. IN XXXX I MADE 2 ADDITIONAL PAYMENTS TO PRINCIPLE OF {$1100.00} FOR A TOTAL OF {$2500.00}. THESE PAYMENTS WERE MADE ON OCWENS CONSUMER WEBSITE AND WERE ALL DESIGNATED AS PRINCIPLE ONLY. THEY HAVE NOT BEEN APPLIED PROPERLY AND OCWEN HAS NOT REDUCED MY MORTGAGE PRINCIPLE BALANCE TO THE CORRECT AMOUNT EFFECTIVE AS OF TODAY. XXXX IS A PREDATORY MORTGAGE SERVICE CO MAMGED BY THIEVES.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2017-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am contacting your office to file an official complaint against Ocwen Loan Services, LLC. in regards to my current mortgage. This has been a ongoing problem from XXXX. Ocwen has continues to add corporate advance fees for service related expenses. In my case, these expenses are doubling, and sometimes tripling in the same month, for the same things. Such as, Property Inspection, Property Maintenance Expenses, and Certified Mail Costs and Property Evaluation expenses. I am aware that my loan is delinquent by two months. However, these costs are outrageous, unfair, deceptive, and abusive acts and practices which has driven my mortgage to almost {$11000.00} in extra fees. I have contacted Ocwen about these charges asking that they show proof as to why all of these charges and expenses are occurring on my account. The latest expense report received from Ocwen was on XXXX/XXXX/XXXX, for property maintenance expenses totaling {$1200.00}. Also on that same date, I received another property maintenance expense in the amount of {$260.00}. Additionally, there was also another property maintenance expense in the amount of {$24.00}. These are just three of the five ( 5 ) EXAMPLES of an ongoing situation throughout the loan. I am attaching supporting documentation for your review of numerous invalid charges that can not be supported by this company 's actions. After exhausting all of my options with Ocwen in the past, from loan modification, to a short payoff settlement offer, I have had no success in dealing with this company. They have lied, and I have additional documentation supporting this. My main concern right now is to have these extra expenses deleted from my account. In this effort, It is my hope that assistance is received and justice is fully served under the Federal Consumer Financial Law. I am XXXX XXXX XXXX and do not have access to computer. Therefore, I would like all of my correspondence mailed to me at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2017-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX Ocwen told me they would work with me on a loan modification I had to make an initial payment of XXXX then make three consecutive payments on the first of the month I had automatic withdrawal so my payments were automatically deducted in XXXX I received a packet that said congratulations you qualify for a modification from XXXX to XXXX all I had to do was read it over and sign I did that and sent it back in XXXX they said the last packet contained incorrect information, mistake on their part and the sent me a new packet that I signed and sent back another mistake was made on their part and another packet was sent in XXXX and I signed that one and sent it back On XX/XX/XXXX I received a letter stating my modification was being denied because the paperwork was not filed on time I called them and was told not to worry because it was their fault and someone would get back to me Mid XXXX I got a email saying I needed to money gram XXXX XXXX or wire transfer XXXX to them by the end of XXXX and they would send the modification back through. I wired transferred the money Then I receive a call on XX/XX/XXXX that I owe them an additional XXXX for a miscalculation on their part which I have asked 3 different agents what was the miscalculation but no one could answer that question I also asked for something in writing which I still have not received On XX/XX/XXXX my XXXX was wired transferred back into my bank account and I was charged the XXXX for the transfer No letter, no call informing me that this was going to take place Called them and they said I had to do a transfer for the XXXX and the XXXX together I have asked to talk to supervisors or a number for someone in the states but they said they have no number Today I received a foreclosure letter stating they might be able to stop it if I do a loan modification I have read the many complaints about this company and I am scared I am going to lose my home because of their mistakes None of the payments I have made in the last 8 months have been applied to my mortgage and I recently got a bill saying I owed XXXX
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2017-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I became XXXX and my income severely dropped however I should have had mortgage insurance that was supposed to cover the Cost if I died or became XXXX. Now Ocwen says that I do n't have that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98311
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen has been sending foreclosures and adding deceptive fees and not accepting payment and then putting me on a foreclosure notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14223
Submitted Via: Web
Date Sent: 2017-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: It is very hard to understand why after CFPB sue this horrible institution they continue to lie to people defraud their property and play innocent by lying to CFPB. In my situation they as a Plaintiff encourage vandalize abuses fraud, theft and destruction of the property and even allow criminals to rent my property on XX/XX/XXXX so criminals can loot even more my property. Now they try to tell me to take my staff after {$76000.00} stolen property and {$260000.00} they must pay me before entering inside my house. Is my property and will remain my property since I do not have any mortgage on it and my name is not on the Mortgage Note. How many Crime needs Ocwen to do before they lose their license?? It is the responsibility of CFPB to bring the criminal activity of this company to justice and revoke their license to operate. They must pay all stolen and damage property. It is hard to believe that a person with o name on a Mortgage Note can lose their property due to lies and abuses as Ocwen did to me. We are going to be in Court in case my property is not return for the next 50 years I am sure of it. First My name is XXXX XXXX and I am a victim of fraud from Ocwen a company expert i lying and defrauding people. I am not on any mortgage note and the mortgage on my property is a fraud and Ocwen is a Plaintiff that organized the vandalize the fraud the looting, theft of my property totaling {$260000.00} that they will pay one way or another. The confirmed that they reply but they are lairs with no respect for law and humanity. They never respond to any question and they are an embarrassment for our society. They have no knowledge of banking and can never make the difference between a fraud and a real mortgage I am a banker and the knowledge of this cover-up company is only on how to lie to people and defraud them What is next they will put contract XXXX to XXXX my family too and reply to CFPB that they reply and the case is closed This company defraud people and lie without any shame. I will never stop until I get back my property Is the obligation of CFPB to close down such mortgage service provider since more people will lose their property to lies provided by this horrible service provider.??? XXXX is a lying company and they lie that they reply I would like from them to see this ; 1.Ocwen must provide a clear Mortgage Note with my name on it. I am not on the mortgage note and my name XXXX XXXX is not on it. 2. I would like to see a document informing me in XX/XX/XXXX that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. 3. I would like to see an official document informing as required by law in PA about action of a property including my name on it The sale was for only {$1000.00} which is less than the cost of the refrigerated and there is {$74000.00} stolen items from the house and there is {$260000.00} total loss which is not being financed by institution since they are my private property. I would like Ocwen to provide a clear document giving them permission to defraud my property. Everything was done without any court document or order between XX/XX/XXXX until XX/XX/XXXX. The company directly responsible for all the illegality which took place is law firm XXXX from New Jersey. Ocwen is lying when they say that they responded.I would like to see the repose to those specific question mention in the complain and not their lies. Time for lying is over.CFPB has now specific question XXXX must reply not lie that they responded I want the CFPB to publish this description on consumer finance.gov so that others can learn from my experience. Edit this section What would be a fair resolution to this issue? Ocwen must pay my family {$260000.00} before we meet in Court and give back my property for which I do not have any Mortgage name on any Mortgage Note. This is a big fraud and Ocwen If their lies continue I will file a criminal charges against the family of those Ocwen cover-up artists and a {$10.00} mill legal case against Ocwen CFPB must close this pirate mortgage company that can not understand that a mortgage not without a signature of one owner is a fraud. I want the CFPB to publish this description on consumer finance.gov so that others can learn from my experience.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Based on my research, my previous mortgage was with GMAC, which is no longer in business and later discover a third party debt collector, which I have been paying the monthly alleged mortgage on time consistently, I 've notice that in XX/XX/XXXX 2017, which is 1 month of monthly payment was not applied and the payment was returned back to me. However I am paying my taxes and insurance myself on time and no longer in escrow. I also receive more information in regards to Ocwen loan servicing is in violation of Respa, Preditory, Truth n lending, and no consent order or license to collect a debt in the state of Maryland under MD Commissioner Finance office as a third party debt collector. which needs to investigated more.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2017-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: For 2 1/2 years , OCWEN has put my mortgage payments in different accounts, and then says I have n't paid. Starts giving me late charges and dings my credit. The latest issue, OCWEN has suspended 2 payments. OCWEN has cashed my payments but did n't apply them to my account. I have spent hours going over this issue with different representatives. Each time, said representative sees my payments and says they will get back to me, to no avail. I am paid in full, OCWEN has cashed all my payments.
Company Response:
State: CA
Zip: 95821
Submitted Via: Web
Date Sent: 2017-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A