Date Received: 2017-09-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Everyone knows what 's happened ... .and ocwen is still getting our home ... this is for ms . XXXX XXXX ... .you sent my attorney a packet and in it you stated our insurance was XXXX..and XXXX ... thats correct ... .bc I cancelled it and changed it ... .but if you look right there in the paperwork submitted to you by ocwen that you so thoroughly researched ... there are premiums ... sometimes twice a yr ... in the amounts of XXXX ... XXXX ... XXXX ... but you thoroughly went threw the paperwork??? Right!!!!
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2017-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Please see attached files. I have put all my information in those files. Thank you
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2017-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX XXXX cell XXXX XXXX Fax XXXX XXXX XXXX XXXX I had a real estate loan with GMAC Mortgage Corporation dba XXXX originated in XX/XX/XXXX. It was a home equity loan for a term of ten years with a principal amount of {$50000.00}. I paid off the loan. I entered a contract to sell my home in XX/XX/XXXX and could not close as scheduled onXX/XX/XXXX because the mortgage has not been released. The XXXX result for the loan shows the loan status is " inactive. '' All requests to identify the proper servicer and seek a release of the mortgage have failed. The responses from 2 servicers identied as potential servicers for this loan are as follows : 1. " Ocwen Ocwen Loan Servicing, LLC ( Ocwen ) has received your recent inquiry regarding a loan ( the Subject Loan ) which may have previously been serviced by GMAC Mortgage, LLC ( GMACM ). As a result of the XX/XX/XXXX Chapter XXXX Residential Capital, LLC bankruptcy ling under case XXXX in the United States Bankruptcy Court for the Southern District of New York, certain assets of GMACM were sold to Ocwen effective XX/XX/XXXX, including servicing rights for certain mortgage loans. We have researched your inquiry and determined that Ocwen did not acquire servicing rights for the Subject Loan as part of the aforementioned sale. Accordingly, we regret to inform you that we are unable to assist with your inquiry. If you believe that Ocwen is the last servicer of record for the Subject Loan, please forward any documentation you may have in support of your request to : Ofce of the Consumer Ombudsman XXXX XXXX XXXX XXXX, FL XXXX Fax ( XXXX ) XXXX Sincerely, Ocwen Loan Servicing, LLC '' 2. " This is not one of our loans. We are not servicing this loan. We only purchased open loans from GMAC in XX/XX/XXXX. Thank you, DC-Lien Releases XXXX XXXX XXXX Document Custody | Servicing XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX XXXX XXXX | XXXX '' Show Quoted Content The inactive status of the loan, according to XXXX, Ocwen and XXXX, demonstrate the loan was paid off and I am entitled to a release of the mortgage. If it is not released soon, the buyer of my home may cancel the closing and I may suffer a nancial loss. Please help me identify the proper servicer or entity to release the mortgage and help me to secure a release. Please contact me with your response as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX cell XXXX XXXX fax XXXX XXXX XXXX XXXX
Company Response:
State: TN
Zip: 37069
Submitted Via: Web
Date Sent: 2017-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: The loan was past due and XXXX XXXX XXXX applied for a loan modification with our Firm, a complete modification package was submitted to Ocwen Loan Servicing, LLC onXX/XX/XXXX, by XX/XX/XXXX we received a denial letter which stated the file was denied due to the account being more than 90 days past due ( Helping Homeowners Modification ) and option not approved by your bankruptcy attorney ( streamline Modification ). We requested clarification as to the Bankruptcy portion of the denial letter as we represent XXXX XXXX XXXX and again a vague response as to consult with the bankruptcy attorney, After reviewing the denial letter with the bankruptcy attorney, XXXX XXXX XXXX XXXX. and she advised the denial is wrong and she has every right to apply we appealed their decision as we are the bankruptcy attorney of record and to please review the file on it 's financial merit. On XX/XX/XXXX XX/XX/XXXX our Firm received another denial letter which had additional information but again stated XXXX XXXX XXXX was ineligible for the Ocwen streamline modification program due to an active bankruptcy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2017-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Based on my research, I found out that my loan is a preditory loan ( Ajustable rate mortgage ), which clearly my payments are increasing without any reason or doubt and showing different figure amounts on the mortgage statement and violation is the loan pertaining to Truth n Lending and RESPA. I also found out that Ocwen is under investigation due to no consent or license filed in VA, MD, DC to collect a debt form the homeowners. Therefore I would for the third party debt collector to be investigated and Need to know who is really the secured party. the Orginial servicer showing on my Deed of Trust and the Note no longer in business since 2007. I also Receive a document disclosed stating that Ocwen loan Servicing acting on behalf of XXXX XXXX XXXX XXXX which clearly not listed as the note holder or on my Deed of Trust. nor had any contract dealings with the company.
Company Response:
State: VA
Zip: 22152
Submitted Via: Web
Date Sent: 2017-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This is a continuation of a previous complaint. OCWEN Loan Servicing and XXXX XXXX both contacted me and informed me that the error was being resolved and the correction was being made to my credit report. My credit report was suppose to reflect no delinquent payments were ever made on my account but this still has n't been cleared up. Additionally, I was promised a letter stating that this matter was resolved and the exact actions taken to resolve it but have n't received it yet either. Personally, I do n't trust the word of OCWEN Loan Servicing or XXXX XXXX because both have proven to me that I 'm just another number to them so I must protect myself. I 'm tired of making phone calls just to have people provide empty promises or be rude/condescending to me. I 'm a combat hardened Veteran and these so call tough guys are nothing less than thieves who push the common man around. It did n't take them this long to screw my credit up and I 'll be dang if I 'm going to constantly call them to fix it after they 've supposedly resolved the issue. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account Number : XXXX Ocwens Case Number : XXXX Customer : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX SC XXXX CFPB Case Number : XXXX Dear XXXX XXXX XXXX : Thank you for contacting the Office of the Consumer Ombudsman. This letter is in response to the recent communication from the Consumer Financial Protection Bureau ( CFPB ) on your behalf. We value your business and welcome the opportunity to review the concerns raised. I have been assigned to thoroughly review your concerns and my findings are outlined below. This letter is in response to your payment and credit reporting concerns. In response to your concerns and the documentation you provided, we contacted XXXX XXXX regarding the payment you made to them on XX/XX/XXXX. XXXX XXXX XXXX XXXX with XXXX XXXX has advised the payment was held by XXXX XXXX because additional information was needed from you to release the payment to Ocwen. Per their records, they received an email from you on XX/XX/XXXX, which included the necessary information and in response this payment and the XX/XX/XXXX, payment were provided to Ocwen. As outlined in my previous response, we are obligated to report the account accurately to the credit bureaus, based on the contractual due date. A the XX/XX/XXXX, payment was not received until XX/XX/XXXX, the credit reporting reflecting the XX/XX/XXXX, monthly contractual payment as past due, is accurate. Thank you for bringing your credit reporting, concerns to our attention. We have researched your concerns and determined no error has been made in relation to the posting of the XX/XX/XXXX payment on XX/XX/XXXX, or the negative credit reporting that occurred as a result of the late payment.. If you believe there is additional documentation relevant to this issue, which was not provided, you may request such documents by contacting me at the address below, directly at ( XXXX ) XXXX, or at the Ombudsman Office via fax ( XXXX ) XXXXXXXX. XXXX XXXX Office of the Consumer Ombudsman XXXX XXXX XXXX XXXX FL XXXX Thank you for allowing us to assist. Ocwens mission is to help homeowners and we hope this response addressed the concerns regarding the account. If you have further questions regarding this response, you may contact me directly at ( XXXX ) XXXX, or our Ombudsman team at ( XXXX ) XXXX, Monday through Friday from XXXX XXXX to XXXX XXXX ET. You may also contact Ocwens Customer Care Center at ( XXXX ) XXXX for additional information regarding the account. We are available Monday through Friday XXXX XXXX to XXXX XXXX, Saturday XXXX XXXX to XXXX XXXX and Sunday XXXX XXXX to XXXX XXXX ET. You may also find helpful information on our website : www.ocwen.com. Sincerely, XXXX XXXX XXXX Consumer Account Analyst Office of the Consumer Ombudsman
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I submitted the loan Modification to Ocwen Loan Servicing, LLC. XX/XX/XXXX and conditions on XX/XX/XXXX. I do not receive Ocwen Loan Servicing, LLC. non-approved letter untilXX/XX/XXXX. Under California Homeowner Bill of Rights : SEC. 7. Section 2923.6 of the Civil Code is amended to read : 2923.6. ( d ) If the borrowers application for a first lien loan modification is denied, the borrower shall have at least 30 days from the date of the written denial to appeal the denial and to provide evidence that the mortgage servicers determination was in error. ( e ) If the borrowers application for a first lien loan modification is denied, the mortgage servicer, mortgagee, trustee, beneficiary, or authorized agent shall not record a notice of default or, if a notice of default has already been recorded, record a notice of sale or conduct a trustees sale until the later of : ( 1 ) Thirty-one days after the borrower is notified in writing of the denial. ( 2 ) If the borrower appeals the denial pursuant to subdivision ( d ), the later of 15 days after the denial of the appeal But Ocwen Loan Servicing, LLC. ignored the law and continued foreclosure on my property, their attorney mail me the Notice of Trustee 's Sale date on XX/XX/XXXX. Ocwen Loan Servicing, LLC. and their trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued to ignored the law and foreclosure my property. Please see attach all documents for your to review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2017-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: letter send to ocwen after a modification/ bankruptcy/and non reporting to credit bureaus To whom it may concern/ ocwen loan servicing The reason for this letter is to inform you the following about my loan # My name is XXXX XXXX my property address is XXXX XXXX, Ny XXXX. XXXX- The property was purchase on XX/XX/XXXX when the real estate market was at its highest {$790.00} after 3 years we were under water with a our home valued dropping to XXXX and with two loans and a 6. % rate that had also a balloon on one the loans. XX/XX/XXXX/XX/XX/XXXX- Recession I try to get a modification wasnt approved then I try to short sell which never occur, the broker that stole my money and left me with a delinquency account and almost foreclosed. XX/XX/XXXX- The mortgage payments were high and the only way to get my mortgage out of water was through a bankruptcy that will give the be the opportunity to get the home out of water and a fixed rate with a lower mortgage payment that will match the property actual valued. XX/XX/XXXX- XXXX was the company that we started the inicial process with in mid XX/XX/XXXX/XX/XX/XXXX in XX/XX/XXXX the actual bankruptcy was established with the sole purpose of fixing the issues on the loan. XX/XX/XXXX/XX/XX/XXXX- XXXX made a proposal plan for when the bankruptcy issued had force them to do a modification that in previous years was denied. XX/XX/XXXX- XXXX issue a proposal plan that would give me a trial period of payments of XXXX for 3 months after the completion of this trial and with the result of the bankruptcy agreement the valued of the home was now {$540.00} on a 4.0 % fixed and {$230.00} in 36 years payoff. In addition I was going to be able to recovered by credit in accordance to my agreement with XXXX, the credit card agency where going to be reported according to XXXX with the results of my payments. XX/XX/XXXX- I never sign any paper work that would made be not liable for the property, The discharge was released on XX/XX/XXXX without no knowledge that their was XX/XX/XXXX/XX/XX/XXXX- Ocwen transition was done in between the bankruptcy issued and the discharge, which in my investigation seems there was a missing piece to the puzzle. Since between that transitions I notice many changes between the payments done while on XXXX and how it was done with ocwen. I also notice my payments were not being reflected into my credit report, it seemed like it was still delinquent and like it was never been paid. I did my diligence by pay on time for over 4 years and my credit reported seem never to change, I was wasnt able to make purchases or even a small loan for a cell phone, this has been both deviating and embarrassing. XX/XX/XXXX-XX/XX/XXXX In order to get my credit going I decide to get help from family using them as a primary in order to get a credit line, I was able to see my credit increasing however the mortgage was still not being reported on my credit made things very challenging for me when it comes to recovering my life back in terms to my financial hardship that most American faced because of the market crash. For years I been try to figure out what happen to my credit by hiring agents that are specialized with these types of hardships and, my investigation had lead me to understand that something was not done right between the transition with XXXX and ocwen. Many people with the same and with lease amount of years were able to reestablish their lives without having to wait more than 2 years. In my investigation I also found out that my mortgage was never reaffirmed by XXXX or XXXX and I did n't even know I was discharged from the bankruptcy until I call the court to find out. I understand there has been discrepancy and discretely actions done with XXXX and I understand to be another victim. I tried another modification recently this year with XXXX which I had also a trial period which I had sucessfuly completed and have been faithfully payoff my mortgage at a resentful payment of {$3300.00}. I really want to continue payment and continued being responsible for my home, however I am extremely disappointed for the hardship i suffered and how negative my credit reporting has affected my life, while I am being responsible with my end and pay my loan on time. I only think is fair for ocwen to revisit this case carefully and fix this problem and reaffirmed my mortgage as per XXXX proposal, so that I could reestablished by credit and life again. Thank you in advance, and please advice.
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2017-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello. Company involved here is my XXXX XXXX. I have been trying to refinance my current home but have not been able to due for the fact that I also have another home under my name whom is also financed through XXXX XXXX. ( Second home is being lived in and getting paid through a cousin of mine ). I have tried to refinance my current home with many banks, credit unions, brokers etc but have been informed that due to having two homes under my name that it would be impossible. XXXX of this year ( 2017 ) after giving hope decided to directly go with Ocwen for assistance. I was told that they would " definitely '' help me. After weeks and weeks of sending them all my personal information etc they told me to pay {$500.00} for an appraisal, I paid that. They were certainly aware of my other home as it 's also under them but then they told me after taking the {$500.00} which is Non-refundable that they were not able to assist after all because I have two homes in my name. I honestly feel that they ripped me off knowing well that they knew that if I have two homes were unable to refinance. They told me that I had to pay one of the homes off in order to be able to refinance.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2017-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to much needed repairs on the home, I fell behind on the mortgage. I began a repayment plan in XX/XX/XXXXand successfully made the first payment. When I attempted to make a second payment ( which would have bought the loan current ) I was told that since there was paperwork I did n't return, they cancelled the repayment plan. I tried another repayment plan, but was told that the repayment plan was rejected ( even though I had the amount for the down payment in the bank ). I was never given a reason for the rejection of the plan. I filed paperwork for a loan modification at the end of XX/XX/XXXX. It is now XX/XX/XXXX, and every time I contact the company, I am told I am either missing documentation, have incorrect documentation or there is something wrong with the documents I have given them.
Company Response:
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2017-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A