Date Received: 2017-09-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Ocwen has a copy of an allonge on their website which I have never seen before. Ocwen did not become our servicer until XX/XX/XXXX, but the allonge is signed by a XXXX XXXX as VP of XXXX XXXX XXXX with the loan number that was assigned to us by Ocwen in XX/XX/XXXX. The allonge is dated XX/XX/XXXX, same day as the closing date of our loan. XXXX XXXX has been with XXXX XXXX for 10 years, XX/XX/XXXX to present. We examined our loan file on XX/XX/XXXX and this document was not part of our original loan file.
Company Response:
State: TX
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: 2017-09-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I requested and received a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX ( XXXX ). The XXXX loan was approved and received by the mortgage servicer, GMAC Mortgage. The day before the Sale Date, GMAC Mortgage refused to accept the reinstatement monies that had been electronically transferred via XXXX computer system. GMAC claimed they required seven ( 7 ) days to reinstate my mortgage, and XXXX XXXX XXXX XXXX XXXX approval process left them with only five ( 5 ) days to reinstate my mortgage. California Law requires only four days, and XXXX California maintained that GMAC 's failure to accept the moneyparticularly the day before the sale datehad theretofore been unheard of. I called and talked with my loan 's investor, XXXX XXXX, and was assured my home would not be sold with an approved XXXX XXXX XXXX pending. My house was taken by GMAC on the courthouse steps XXXX XXXX, 2012despite XXXX XXXX 's assurances to the contrary. I then sought to get the sale reversed through the courts. GMAC had declared bankruptcy, so the lawyers attempted to regain my home for me through bankruptcy courts in New York. The New York bankruptcy court handling the GMAC bankruptcy refused to hear my case. They took my home without precedent, hearing or accountability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2017-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen loan servicing has credited and debited amounts of 1,500.00 plus more than 20 times in a month. I have called their office several times asking for an explanation and they just stated that someone made alot of mistakes. I need a specific explanation of each credit and debit on my account for the months of XXXX and XXXX 2017. I received a call from my representative assisting with a modification from ocwen and he left me a message to call him back. I was advised that my modification was denied due to the paperwork being incorrect. I need a clarification of why and what was wrong with the agreement. I also need to know why HUD was advised that my modification was approved and finalized when on my account it still shows as me being behind and not being modified. I contacted the office of the ombudsman several times and was told they are working on it and it has been over 30 days that they received the modified papers back with my signature. I need the Administrator of the office of the ombudsman to contact me in regards to this mess.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We are signed up for automatic recurring payments with Ocwen to have monthly payments drafted from our checking account on the XXXX of each month. For some reason, Ocwen has not drafted the XX/XX/XXXX payment as of XX/XX/XXXX. We had requested for Ocwen to stop drafting funds from our checking account if a valid transfer of assignment could not be provided. Ocwen has not been able to provide a transfer of assignment that was processed before closing date of the trust of XX/XX/XXXX. Only transfer of assignment that Ocwen has provided was 5 years after the closing date of the trust. We have not requested to be removed from the ACH program. I am concerned because of the issues I have raised against Ocwen and XXXX XXXX XXXX XXXX as trustee for Option One Mortgage XXXX XXXX XXXX, that Ocwen is trying to cause our account to be late ( and in default of the loan modification agreement ) by not applying the automatic payment on XX/XX/XXXX. I did not cancel this payment request.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I contacted you prior regardinging this issue ( XXXX & XXXX ; XXXX ). The XX/XX/XXXX IRS form 1099C shows the amt of debt discharged as {$170000.00} on XX/XX/XXXX with a fair market property value of {$70000.00}. Due to misapplication of payments for XX/XX/XXXX & XX/XX/XXXX to an account ( 2nd lien ) that was closed in XX/XX/XXXX, I was denied the 2nd ( {$110000.00} ) & 3rd ( {$58000.00} ) installments ( see page 7 of 8 of OLS Form ( rev.XX/XX/XXXX ). The effective date of the loan modification was XX/XX/XXXX which should be completed in 247 months if the contractual obligations are met. Today XX/XX/XXXX, I spoke with a male claiming to be XXXX, XXXX ID # XXXX @ XXXX regarding my payment reconciliation history. He claimed that it was ok for Ocwen to charge property inspections fees everytime the payments go over 30 days as well ad late fees. A check of the history shows charges going back to XX/XX/XXXX. Several Payments were placed into forbearance acct instead of applying to the mortgage from on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX while property inspections & Valuation expenses fees were charged on XX/XX/XXXX. No explanation for {$280.00} to Investor Suspense on XX/XX/XXXX. Could n't understand why charged property Inspections & Valuation Fees on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, even though payments were on time since signing the agreement on XX/XX/XXXX. No explanation why {$770.00} was placed in suspense acct & not refunded. Recod shows that 1st Deferment was done on XX/XX/XXXX for {$58000.00} ( requesting IRS Form 1099C for XX/XX/XXXX ). Page 7 of 8 of the contract shows that the deferred principal balance would be {$170000.00} from XX/XX/XXXX-XX/XX/XXXX. The 2nd deferment the principal balance would be {$110000.00} from XX/XX/XXXX-XX/XX/XXXX. This was never done because of the misapplication of payments. XX/XX/XXXX statement dates shos the deferred balance. XX/XX/XXXX & XX/XX/XXXX shows the same since there was no adjustments. Two years later after contacting the CFPB, on XX/XX/XXXX, the 2nd deferred balance ( {$110000.00} ). This would correlate with page 7 of 8. But the 3rd deferred payments if {$58000.00} was never done.It should have been done from XX/XX/XXXX-XX/XX/XXXX
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Once we open a case with you in XX/XX/XXXX regarding over {$5000.00} in funds in escrow account, Ocwen Loan Servicing has stop accepting our ( P & I ) payments from them. I have been talking to an escalation manager at Ocwen whose name is XXXX XXXX ID # XXXX ). I have also faxed documentation to Ocwen Research dept, per XXXX suggestion. XXXX confirm receipt of documentation. My question to you is if I am able to prove that Ocwen failed to pay my taxes & insurance on this loan which " I THINK '' is a violation of RESPA laws, can I recover my attorney fees from Ocwen if I have to hire an attorney to resolve this issue. Payments that were not made happen in XXXX which was the year our XXXX XXXX bankruptcy was confirmed. Discharge of bankruptcy was XXXX XXXX. Please advise if recovery of legal fees in a private lawsuit is applicable per RESPA laws. Recently, every 2 weeks we receive a call from XXXX saying they need more time. I think the recent refusal to accept payments is to trigger foreclosure on this property. As of today 's date XXXX XXXX XXXX, they have returned 2 payments ( P & I ). Also this year I was paying home owner 's insurance quarterly ( XXXX XXXX ) and Ocwen paid the insurance for the first time since XXXX. XXXX XXXX sent me a check back after Ocwen submitted payment. We pay our taxes quarterly so maybe they will send in the taxes for this year also.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Injustice for one Injustice for all. Throughout the past 12-13 yrs have resulted in an education misbelief and yet to be realized consequence and repercussion for each and every ( occasional ) unknowingly breach of the Mortgage Servicing, Banking blatantly negligent ( potentially ) criminal actions/behavior on behalf of XXXX XXXX XXXX XXXX, as Trustee, Ocwen, XXXX, XXXX, XXXX, XXXX ( XXXX ), XXXX XXXX XXXX XXXX that litigated immorally, ruthlessly, fraudulently, as well as underhandedly. They each and all had absolutely XXXX interest in adhering to the multiple " Settlement Agreements '' at all levels of regulation. The means with which they skirted/grossly negligent disregard for the Legal Process at both Federal District Case 13-cv-56, XXXX County Eviction Case XXXX as well as XXXX County XXXX which ultimately exposed in a completely way beyond coincidence meticulous, carefully orchestrated, mostly an elaborate exercise in everything we claim our Legal System has historically and traditionally managed to avoid maintain integrity, as well as, without question proven the system with no equal. Luckfully, I have experienced fabrication, fraud, corruption, and cover up at every aspect of the 7-8 year fiasco. Long Story Short ( proof in documentation ( all documentation provided by multiple Law Firms, Lawyers, paraded throughout with obviously less than legitimate statements and documents. An embarrassing testament to the lack of professionalism greed and behavior without consequence and repercussion. Fabricated, Fraudulent, Foreclosure under erroneous ownership. An obvious denial of resolution prior to End of Redemption. Documents filed materially contradicting and unquestionably incriminating many under the guise of redaction withholding of documents accepted actions that never would have even been considered ; once level of lack of integrity was established. Clearly the actions while beyond imagination prior to this financial meltdown, accepted pushed regrettably frequently without push back, without conscience, culminating with unimagined injustice. I have been attempting without any success, documenting, presenting -- - I will continue the efforts without regard for lack of regard from opposing counsel on behalf of aforementioned entities. While I hold out minimal hope expectation regarding any acceptance of aforementioned admittance of unfortunate reckless not to mention consequence and repercussion. The subsequent actions/behavior of opposition will encounter consequence and repercussion once they attempt to explain, justify, own their egregious, blatant, grossly negligent, corrupt/cover up. Lastly, an impossible task relating to balancing accounting for the unimaginable predicament they have created : balancing the potential " racketeering /laundering of funds through an off shore " stand-alone '' tax shelter, documents necessary to liquidate my former Property ( nearly 2 years ) that by actions of aforementioned have continued to incriminate themselves at an alarming as well as amazing extent. A deliberate, meticulous, lucrative, and mostly disgusting, process that has resulted at all and many levels in an embarrassment of the Banking Mortgage Legal Regulatory and lastly Internal Revenue Service. I wish to finally present all data documents ( not to mention ) exposing the oppositions repeated, continuos, and apparent expectation that they could outlast myself and coldly, hypocritically, without out credibility, the time has arrived -- -the exposing of the dastardly, concerted effort on many levels, will be detail by detail presented to the opposition at whichever means we ( cumulatively ) mutually agree. The regulators, the egregious insincere multiple " Settlement Agreements '', XXXX XXXX/ XXXX/ XXXX XXXX dba as XXXX/Ocwen 's /XXXX XXXX XXXX XXXX , as Trustee , /XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/Third Party entities among others unquestionable outrageous blatant disinterest grossly negligent actions behavior unbecoming their Profession must be held accountable, liable, responsible, in its entirety beyond any reasonable doubt as well as for the immediate future into the not so immediate future observed and monitored held to standards that they have ( to date ) accomplished much much more regretfully under the guise of insincere, haphazard, unapologetic, clearly intentions reflective of anything least of which claim to be their perceived intentions. Unabashedly continuing hoping someone will respectfully come to their senses exhibit an interest in owning taking liability responsibility for this travesty. The time for real sincere consequential responsibility is now and the sooner we mutually resolve and move on, the better. You have caused yourself as well as me enough pain actions unbecoming the industry and the longer the ordeal continues the more damaging it becomes on a plethora of levels. Finally respectfully with huge disappointment and sadness, that you will understand very quickly thoroughly and at a timeline that you truly possess the ability to confront own and resolve. The manner and pace of resolution will be yours to determine. Patiently without animosity as to the injustice you have caused me to accept. The means depth and breath to which you will continue to skirt ( bordering on ) actions behavior intent, resulting possibly in " criminal '' opposed to civil and regulatory infractions, may be determined by your forthcoming actions behavior, as you will realize you have already dug yourself a deep, ugly, quite less than unintentional, unknowing, and unrelenting. You were deceitful each and every aspect of the ordeal. A telling aspect to intentions as well as actions and past expectations ( in my humble ) opinion clearly and reflecting quite poorly on you and yours has been blatant grossly negligent, hypocritical, beyond strong arming / bullying, in my eyes a mutually offensive completely unacceptable toss up would be you and yours unwavering ignorance ( to date ) referencing dismissed with prejudice XXXX despite my repeated efforts during the last two months of Redemption Period, the conflicting documents that you and yours chose to reference and support your position. As obvious as it was and more obvious that it 's become, I welcome the opportunity to present to you the daunting, embarrassing, certainly, once you make the decision to honestly subjectively address the ordeal in it 's entirety. Determine the pros and cons on finally mutually agreeing on a resolution. Should you pursue litigation on any all of this fiasco, I assure you. I do not envy or want any part of what you and yours have created. I will and have absolutely XXXX interest in the fiasco seeing a ( any ) Court of Law. Should a resolution not be pursued on your behalf and with your best intentions, I promise you once you jeopardize that preferably quick thorough and mutually agreed resolution, should any semblance of a case appear to be inevitable. Each and all will be held liable and responsible. Each and every detail will be litigated from each and every angle. Again, without question and beyond reasonable doubt. The main memory I have from Judge XXXX was a reference to the only hope " I '' possessed at prevailing was in the accuracy, authenticity, lack there of, of those recorded documents Amongst many many other issues the authenticity of the replacement documents filed by your 6-7 Law Firm 16 months post eviction is indefensible. As is the actions/behavior skirting regulatory enforcement and the basis as to why I was unable to obtain " clear guaranty of title " in addition to the supporting documents ( your supporting documents ) the conflicting documents, The documents Ocwen produced in response to a " Written Request for Validation of Debt '' as well as the XX/XX/XXXX, XX/XX/XXXX foreclosure proceedings also address issues around erroneous ownership as well as to " beyond a reasonable doubt '' as to ownership and amount of land. Lastly, for purposes of this " limited '' but rock solid foundation I welcome the opportunity to present to you and subsequent attempt at mutual agreement and resolution. I will also have all necessary SEC filing ( s ) as " registered '' 30-45 days. I have unofficial documents ( and will have " certified '' also 30-45 days ) as to the value the adjoining property has been purchased for. Look forward to presenting supporting documentation supporting the failures through " modification attempts '' and subsequent embarrassment and violations to Servicing Standards and/or XX/XX/XXXX Mortgage Settlement. The simultaneous violations to the CFPB " Settlement Agreement ''. XXXX forced place insurance debacle. The " off shore '' tax shelter vehicle that first, explains run around from XXXX XXXX XXXX XXXX, as Trustee -- Ocwen -- XXXX triangle that could n't identify my loan. The shortcomings of your maintenance programs, the value of recently SOLD neighboring Property ( s ) will not suit the financial goals of the stand alone off shore entity, accompanied with three separate and nearly unmatchable payment history ( s ) as well as accounting affiliated with XX/XX/XXXX and XX/XX/XXXX Foreclosures that were resolved prior to actual Sheriffs Sale. Respectfully communication effort and respect
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2017-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-16
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: This complaint is in response to Ocwen Loan Servicing LLC - agent / in parity with document custodian XXXX XXXX trustee - for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates XXXX Ocwen 's XXXX number : XXXX - Reference previous Complaint -CFPB- XXXX Ocwen XXXX Dated XXXX The XXXX is not of issue nor discussion, as XXXX was the secured XXXX XXXX to XXXX XXXX and the XXXX XXXX XXXX. The Trust took an insurance write off for the BK- per SEC XXXX XXXX Ocwen obtained a charged off account as per their own ledger. Ocwen in cahoots and parity with XXXX intended to steal and deceive by concealment and fraud for unjust enrichment through a foreclosure mill XXXX XXXX XXXX XXXX XXXX and XXXX XXXX OcwenXXXX created a Collateral file ; had to validate the debt and violated FDCP by wrong amounts owed and claimed false Note holder- the document custodian trustee- XXXX XXXX XXXX There is NO valid lien. The ONLY lien on subject property was with the prior owner for XXXX through GMAC. The chain of origination and holder due course UCC XXXX FAIL. IF Ocwen and XXXX in parity are not forging documents- why NOT file a proof of claim in Court to show the valid transfers as how they obtained a blank note. In addition, Ocwen forged my signature THAT is robo signing. Ocwen 's 305 page response on XXXX is false and additional evidence of duplicate Deeds versions of one original. Ocwen 's response is FALSE and deceptive- also criminal- the Deed does NOT give permission to break in my condo and stalk me- paragraph 5 page 1 and 1st paragraph page 2. ONLY IF THE PROPERTY WAS ABANDONED can the LENDER enter to make repairs. THAT is why they offer {$3000.00} for keys- to avoid Landlord Tenant Court. OcwenXXXX trustee for XXXX is NOT the LENDER. Ocwen submitted Fake HAMP letters never sent ; XXXX has not responded to the fraudulent Deed Transfer created by Ocwen and XXXX XXXX XXXX XXXX, as XXXX can not transfer something they do not have only RECORD submittals. Ocwen submitted several versions of the Deed some stamped with Lending Connection some not. Ocwen submitted fabricated documents back dated and they do NOT take robo signing seriously- as they would have done a better job than using XXXX XXXX and NO dates!. In their own admission, they submitted 305 pages of fraud to add to the other 150+ page ledger as they created documents. XXXX XXXX XXXX did mot stamp that " Note without Recourse '' or they are selling blank notes under XXXX XXXX protection. XXXX XXXX has not admitted to doing as such but Ocwen certainly put it in their ledger scanning and endorsing from XXXX XXXX to XXXX XXXX in Blank. Where is XXXX XXXX XXXX or document custodian XXXX XXXX? Pager 119 Of the Ocwen Ledger when they forged my name bled on page 120 of the XXXX XXXX exhibit.
Company Response:
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2017-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Fear Consumer Financial Protection Bureau, I live in Florida, and due to the XXXX disaster I applied to FEMA help. There i was told to call my mortgage company ( OCWEN ) to request few months forbearance at not cost added to the end back of the loan, since this is a Federal Law. I called Ocwen on XXXX XXXX 2017 and asked, they told me that they could give me 3 months without payments and then start paying those 3 months in the amount of {$5700.00} divided by 6 in the following six months plus my regular payments. I asked them why they where charging me {$5700.00} for 3 months if my regular payments are {$1300.00} and this multiply by 3 will be XXXX. They said that was the offer. So I escalate this issue to different managers and after 2 days of fight they said it was a mistake. Now I called on XXXX XXXX, I kept asking for 3 months added to the back of the loan ( the minimum the law says, I understand it could be up to 12 months ) and they said they do not have that offer. I told them this is a Federal law, finally they said that they are not saying they will not follow the law but that this option is not available now is under discussion ... I appreciate your help because i have been trying my best to deal with them, but instead of helping they are trying to take advantage. I just need some time to get back on my feed, considering i also have to pay my house taxes. I appreciate your help in advance. XXXX XXXX OCWEN Loan Servicing, LLC Account Number XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX agents ID : XXXX XXXX / XXXX XXXX / among others My email address is : XXXXXXXXXXXX
Company Response:
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2017-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Well Ocwen Loan Servicing, Loan. I bought the property for XXXX Now the Loan, is up to XXXX so they modified my loan on this amount. The house is worth XXXX XXXX dollars. I will like to complaint that they are trying to foreclose the house and I am going to loose all my savings. Thank You. The Company deny me for a modification. Please help a concern United States citizen. Thank You.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2017-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A