Date Received: 2017-09-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: It has taken years to find out how/where to pursue this complaint. 1997 I had this loan server Ocwen. They had not cashed my payments for three months and were attempting foreclosure I had just had XXXX to stop it I filed bankruptcy. Ocwen took me back to court three times during I had receipts that showed payments were never late and their claims were false. I hired an attorney Ocwen refused to speak with my legal representatives. Ocwen blocked 3 Refi attempts by not providing timely docs. I received notice of additional money owed at end of bankruptcy Ocwen had been charging ( Thru 6mo after b/r ) fees that " prepetition payments '' " alt payment '' " partial suspense '' etc I was told these were charges added because of extra paperwork from bankruptcy but continued until I refinanced away from Ocwen. During Refi as docs were being processed Ocwen increased dollars and escrow covered increases to make loan clear. Exigent circumstances. A year later I received an overpayment for same increase sum. Ocwen was rude, unprofessional, harassing, refused to acknowledge communications and I believe Ocwen took additional fees under cover of bankruptcy and subsequent closing process. Ocwen represented the worst in mortgages as they blocked all attempts to discuss my concerns or credibility to their docs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am a victim of hurricane Irma, and was made aware that mortgage lenders will grant a three month forbearance and place the three months of mortgage payments at the back of the loan. At first, I thought this was a great way to help homeowner 's out during these tough times post IRMA. My mortgage is $ XXXX. When I called OCWEN LOAN SERVICING, they informed me that they would give me a three month forbearance HOWEVER, at the end of the three months, I will have to payback the total FOREBEARANCE amount over a six month period. So, instead of my monthly payment resuming at $ XXXX, my mortgage payment would be $ XXXX for six months. In other words, they help you out of one CRISIS just to put you into ANOTHER CRISIS. PLEASE STOP OCWEN FOR USING THIS PRACTICE. They are hurting homeowner 's that have been devastated by a natural disaster. Ocwen should be fined for using such a policy and ordered to change their practices and policies immediately.
Company Response:
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2017-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen Loan Svc took over my mortgageXX/XX/XXXXXXXX Constant missing info on statements, late on paying my homeowners Ins to point I have to monitor it gets paid. They will send letters saying they have to buy supplemental Ins because not covered appropriately when insurance covers 125 % replacement. Every year. BUT MY REAL ISSUE IS XXXX DROPPED MY CREDIT REPORTING FROM LOAN ORIG IN XXXX and OCWEN REFUSES TO REPORT MY STATUS, LENGTH OF EST LOAN BALANCE, PERFECT PAYMENT HISTORY etc. Since they do not comply with reporting, It appears I only have 2.5 years of credit and I 've owned multi mortgages & middle aged. Currently Ocwen has demanded I PROVE THEY ARENT REPORTING. I did, I sent copies of yearly reports, faxed, mailed, called Research Department as instructed and told they are reporting. Gone on over 2 years. Please help me. At the end of my loan modification, my " Relationship MGR '' XXXX, promised me she would handle lack of reporting. I followed up with Research Dept requirements in addition because of poor history of honest response or actions promised. NOTHING. They pay my mortgage Ins late & my premiums go up, they do n't report perfect payment history which I have proof of all payments sent return receipt, signature required.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: OCWEN IS PROCEEDING TO FORECLOSE ON OUR HOUSE WITH A SALE DATE OF XXXX XXXX MONDAY XXXX XXXX in spite of having conducted only a sham review of our prior CFPB complaint ( # XXXX, of XXXX XXXX, XXXX XXXX, and in spite of having sent a grossly uninformed and irrelevant response, which is the third such response in a row. More details on this are below. -- -- -- -- -- - First, though, under these circumstances, we need immediately : -- -- -- -- -- - 1 ) FOR OCWEN TO STOP THIS XXXX, with a sufficient postponement to conduct a short sale that is not chilled by the prospect of imminent foreclosure. -- -- -- -- -- - We then need : -- -- -- -- -- - 2 ) for Ocwens Short Sale department to define a realistic sale price that will be accepted. We have had the house on the market since XXXX with frequent showings, but no offers that reach the level of XXXX we have been given as the required price level. -- -- -- -- -- - XXXX ) for Ocwens Loss Draft department to disburse our escrowed insurance funds that, as we have documented, are owed to contractors for repairs on the house. ( Do these funds still exist, or has Ocwen, being insolvent, diverted them? ) -- -- -- -- -- - 4 ) investigation of the XXXX XXXX contractors Ocwen sends to break and enter at our house ( and many others ), who have repeatedly destroyed expensive locksets and stolen our belongings. -- -- -- -- -- - XXXX ) a correct number for what we owe on the mortgage. We had the house under agreement for a short sale in XXXX and the mortgage servicer sabotaged the sale by refusing to approve an exceptionally good purchase offer. The great majority of our payment arrears have accrued since that time, and it is not our fault that the house was not sold at that time. -- -- -- -- -- - Regarding Ocwen 's response to our recent complaint : I have prepared a copy of this response, annotated for the ways it is deficient and inaccurate ( filename " Annotated Ocwen response to # XXXX. " ). Since the message box of your Feedback site does not take attachments, I am submitting it here. -- -- -- -- -- - I have spoken with XXXX XXXX, the author of this latest response, and he turns out to have conducted his review on the basis only of the documents his superiors chose to provide him, WHICH DID NOT INCLUDE THE PRINCIPAL DOCUMENTS AT ISSUE IN THE COMPLAINT. These are invoices and supporting documents from repair contractors, who are owed a total of nearly XXXX in funds held in escrow by Ocwen and whom Ocwen is failing to pay. XXXX XXXX 's response completely ignores the core of our complaint -- that Ocwen persistently neglects to address these 90 pages of documentation we have gone to exceptional lengths to provide, multiple times and he acknowledged to me that despite these documents ' central status in the complaint, he did not concern himself with retrieving those documents from company files, nor even with mentioning them at all ( or the lack of them ) in his response. -- -- -- -- -- - We implore you not to accept this sham as a response please stop this foreclosure and require from Ocwen a meaningful review that includes attention to the relevant documentation we have now given Ocwen several times over. This time, although this documentation is large and Ocwen has no excuse for not having it, I am adding that full documentation to my attachments on this new complaint form, as filenames " XXXX invoice docs, '' parts 1-8. -- -- -- -- -- - In addition, for reference, I am supplying the files that made up our XXXX XXXX complaint -- starting withthe text in the " what happened '' and " fair resolution '' boxes, and then four attachments they describe, including annotations to the two prior Ocwen responses, which were to complaints filed through the Massachusetts Attorney General 's Office. These files are all flagged as being from the prior complaint by having filenames beginning " 6-20. ''
Company Response:
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On or about XX/XX/XXXXI recieved in the mail 'EMERGENCY MORTAGE RELIEF 'letter explinig how XXXX get my mortage lowered, i called the number provided and started the process after speaking wit the loan spec., I BEGAN THE PROCESS I recieved and signed all paperwork required .After speakng on a conferance call with ny mortage co. and the above named co. I was insructed to send payment in the amt of XXXX in XXXX mthly payments which was at a 2 % new rate on my home. .after the last payment was sent i followed up with the XXXX XXXX only to find no longer was there any service numbers active. XXXX now XXXX mths behind on my mortage, I need help pls!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41091
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint of OCWEN LOAN SERVICING, LLC Property sold address : XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX sold a jointly owned property on XXXX/XXXX/2017. Sale price was {$630000.00} and mortgage balance of {$320000.00}. Ocwen XXXX XXXX withheld {$570000.00} from the sale of the property instead of the remaining mortgage balance of {$320000.00}. The balance was adjusted due in part to a modification and Form XXXX was issued to us. We had to file the forgiveness of debt amount as income on our federal and Massachusetts income tax returns. Ocwen Loan Servicing, LLC added back the forgiven amount back to the mortgage balance. Instead of receiving {$310000.00} from the sale amount of {$630000.00} we only received {$24000.00}. We are asking the Attorney Generals office to assist us in getting Ocwen Loan Servicing to refund us the balance of {$290000.00}. This amount represents the difference between mortgage balance and the amount paid to us of {$24000.00} received from the sale of the property.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2017-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of this year our family was displaced from our home due to a fire that started in the basement. We have been displaced since then and did reach a settlement with our insurance company of {$340000.00} to reconstruct the dwelling. On XXXX XXXX Ocwen, as the mortgage company was sent {$200.00}, XXXX, the actual cash value of the settlement, along with our construction contract, request to alter their standard draw schedule and other required documents. I was told that Ocwen approved our altered draw schedule and the initial $ XXXX draw was issued. On XXXX XXXX, XXXX my contractor, XXXX XXXX Construction ( DPCC ) contacted Ocwen Loan Servicing, per my request, to submit the required information for the second draw per our previously submitted contract and to request an inspection. This is what was explained to me by Ocwen would be the standard process since our draw schedule did not align with theirs. DPCC spoke with XXXX XXXX at XXXX, XXXX XXXX XXXX 's instructions were as follows : No inspections were required until we reached 50 % and 90 % - so there would only be two inspections during the process. When the inspections were required we had to call one week prior and the draw request could take up to five days just to approve. Draws were sent via fax to them and takes up to fifteen days for processing they were to be faxed to XXXX XXXX : Loss Draft with a claim track number of XXXX and they would take up to fifteen days to process. Within two days you would be notified of our draw request and then it would go to processing Our draw request must be broken down for the amount requested labor, material, subs, etc. This information contradicts what we the home owners were told, since we submitted a request for a different draw schedule. On XXXX XXXX, XXXX DPCC compiled and submitted the draw request with the information that Ocwen explained needed to be included. On XXXX XXXX XXXX XXXX XXXX, the home owner and my husband, received an email stating that Ocwen received the documents that we sent and they were being processed. On XXXX XXXX I, XXXX XXXX XXXX, contacted Ocwen to check on the draw and was told that Ocwen had n't received anything nor had they processed anything and if we needed more money an inspection would need to completed. This information contradicts the instruction that DPCC was provided. During the XXXX XXXX phone call I ordered the inspection and requested to have this entire draw rushed since Ocwen clearly could n't follow their own process. The representative conceded. During the two weeks that followed ( 1 ) DPCC had to stop work on our home because Ocwen was unable to follow their own instructions and pay according to our contract, which now also makes a delay in the completion date, ( 2 ) the inspector came out and told us that he had never seen a house our size gutted and that he could understand why were frustrated, there was a lot that needed to be done, and ( 3 ) Ocwen finally acknowledge our contractors draw submission and issued two $ XXXX checks ( our request for the second draw was $ XXXX ). Ocwen has been unprofessional and in my opinion uncaring which is unethical when we were directly contacting their " Loss Draft '' department which handles insurance claims. Our family lost upwards of 85 % of everything that we owned, our home 's interior was completely totaled and our XXXX small children ( XXXX, XXXX and XXXX ) lost everything except for the clothes that were on their backs. Having to cope that type of tragedy is not easy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2017-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In beginning of XXXX I bought my first home and being a first time home owner I was really careful with all aspects of my purchase, My mortgage broker found 3 companies that would give me this loan and after researching all 3 I picked XXXX XXXX lending because of all the positive reviews that I saw online about them. Less than 2 months after I moved in I got a letter from XXXXXXXX XXXX that they have sold my loan to XXXX XXXX XXXX out of Florida. I did what I usually do and went online to see what kind of company they are and once I saw that they have been sued repeatedly I figured that I had to be extra careful with OCWEN as they seem to be the worst mortgage processing company in the nation. Everything was fine until XX/XX/XXXX, on XX/XX/XXXX I went online to make my mortgage payment like I usually do but the system would not take my payment when I would include my account number that is associated to my loan. I called the XXXX phone number and got XXXX XXXX on the phone, he tried 3 or 4 times to run it and when he could not he transferred me to another team member to see if they can make it work and they could not and I was transferred 2 more times to two other employees and neither of them could run it either and I was send back to XXXX XXXX, he told me to go to my local XXXX XXXX store to make the transfer in person. I drove down to the local XXXX XXXX store and attempt to make the payment there but it was having the same issue, THEY COULD NOT SUBMIT MY PAYMENT USING THE ACCCOUNT NUMBER THAT IS ASSOSIATED WITH MY LOAN ACCOUNT. I called the 800 number again and they advised me to just put my FIRST and LAST name instead of the account number and when they receive the payment they will assign it to the right account. I figured they know what they are doing and made the payment using my FIRST and LAST name instead of the account number as I was told to do, I made the payment for the month of XX/XX/XXXX and XX/XX/XXXX the same way as the there system would not take the payment using my account number. In XX/XX/XXXX I received a letter from OCWEN stating that I am 3 months behind in my payments and they want to foreclose on my house and when I checked my credit my score had dropped by 100 points because they had reported NO PAYMENT for 90 days. I called them the they would not even want to talk to me unless I would pay them {$12000.00} for the last 4 months of mortgage and penalties. This is wrong, I paid every month on time and they have destroy my credit score and now they want to foreclose on my house too, I went online and came across a XXXX XXXX article that stated OCWEN was sued in XX/XX/XXXX for exactly this types of actions and they paid fines. How is it that they are still able to do this, destroy people lives and get away with it, all the law suit did is get the lawyers and the states richer the poor defendants that lost their homes got {$3000.00} from them!!? This is wrong, I have never seen such illegal acts that have effected so many people to go as long as this guys have. They need their own episode on XXXX XXXX series. I want them to make this right, I want them to apply the payments on my account and retract their None-payment report back from the credit agencies and fix their payment portal so this will not happen in the future.
Company Response:
State: WA
Zip: 98059
Submitted Via: Web
Date Sent: 2017-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This HELOC had an ending date of XXXX XXXX. We have not been allowed to use any of our equity for years even though our ceiling was much higher and our home did not lose any value, we were just allowed to make payments. In XXXX of XXXX, we refinanced our first mortgage and HELOC together with XXXX mortgage and this loan was paid in full. Today, XXXX I received a document from them that says congrats your loan is paid in full as of XXXX and that they will review our payment, escrow, etc for 20 days and then send the lien release document to the courthouse. This is unacceptable as it is several months ( almost a year ) after we were truly paid in full which we have documentation in XXXX from them that said we were paid in full. I feel as if they have majorly violated the law by not doing this already. My phone call to their customer service # only got me an agent who could not explain why this was not done already and did not offer me an expedition choice. I had to ask for them to expedite the lien release since this had taken an egregious amount of time already. I feel there is a negligence of duty by this company and I want to know what my legal rights are since none were explained to me by OCWEN
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2017-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am being XXXX XXXX and being forced to pay for a debt that was procured by fraud. See attachment at the bottom of the page : Account name : OCWEN LOAN SERVICING, LLC. Loan Account XXXX ... was transferred to another lender on XXXX. # 1 ) Name the lender the account was transferred to? # 2 ) Was the transfer a purchase involving a credit purchase or was the account acquired? # 3 ) What is the method of purchase for the account? is it in credit or cash? # 4 ) What is the amount of the purchase?
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A