Date Received: 2017-09-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1. On or around XX/XX/XXXX XXXX, Ocwen had a Sheriff kick down my house door ( I have several recorded/backed up videos of this fraudulent act with the Sheriff showing me all his documents he had with not ONE document authorizing the eviction to come to my house without any court order signed from a Judge and even a document from an attorney 's office to NOT evict my house XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. There 's never been a hearing per Maryland required Statue Rule 2-311 ( f ), MD Rule 14-204, and Rule 20535,. I challenge the fraudulent foreclosure and sale of my home that I 've been in for 11 years 2. I have previous letter and documents where Ocwen did this same fraudulent act back in XXXX, where I had an attorney where they took my house out foreclosure and I had Senator XXXX XXXX office involved and have documentation to support. They 've admitted to the same crime and was never held accountable for it, but retaliated against me with another fraudulent act. However, per Government records it shows Ocwen & XXXX XXXX have been fined 60 billion for their continuous mortgages fraudulent activities, but victims are continuously suffering from what 's continuing to be allowed. 3. I also have a letter stating that my house was taken out of foreclosure and received a very small settlement per that fraudulent foreclosure back in XXXX. 4. I had a private investigator to investigate the entire fraudulent sale of my home XXXX, with recorded XXXX report and other documentations to show this was the same approach taken back in XXXX per OcwenXXXX XXXX. Due MD statue any fraudulent sale of someone 's property and this not being the first time, the sale is 100 % invalid and my certified private investigator is willing to go public and testify in court! 5. The fraudulent foreclosure was in conflict with MD Rule 14-404. Based on legal doctrine the foreclosure was " not actionable as a matter of law, '' and the court lacked the jurisdictional power to ratify the sale 6. The Circuit Court 's denial of the motion to vacate the fraudulent foreclosure sale and dismiss action, without holding a hearing, when the ruling was dispositive of the case was a mistake within the confines of Rule 2-311 ( f ) and Rule 2-535 ( b ). Which creates " manifest injustice! '' 7. My private investigator have backed up recorded videos & documentation of the entire illegal eviction that took place, that 's continuing to be allowed across this country to thousands of homeowners. 8. I need this issue resolved as soon as possible as you already know by thousand of other victims this is not just fraudulent but it 's " illegal and UNJUST! '' Something that should not still be allowed with nobody going to jail but being allowed. I hate to believe our Government is involved with illegal activities and on standby to continue to allow this type of activities to happen! This is the 2nd time and same process they 've done per certified official document. ***Not to mention they not only blocked me from making payments to my loan and I have a certified official letter from the vendor sending me return of mortgage payment letter. '' They are also willing to testify Ocwen ( I have a written statement ) put my loan into default per falsifying Government documentation to gain insurance per my home equity, which is FRAUD! Not to mention my NOTE being SOLD per XX/XX/XXXX, with the deed and NOTE being separated! ( MERS ) I have recorded documentation that shows my house was paid off per XXXX report XXXX and they made BILLIONS of dollars from my home NOTE & still GREED to not just ask for more money, but LIE and falsify Government documents ( which is ILLEGAL ) to gain equity! The Government is aware of this fraudulent activity and only fine OcwenXXXX XXXX when they 've already made billions of dollars from just ONE note which my house was one, which was separated from the DEED. Once this is done you 'll already know the mortgage is instantly INVALID there 's no more mortgage. I have the full XXXX report with the sale of my NOTE per wall-street and BILLIONS of dollars made since the time of purchase XXXX and other evidence to prove this sale was not only FRAUD but illegal and a form of retaliation for their previous illegal/fraudulent. I will await their reply before sending my private investigation information and the refund letter of my mortgage payments for a year, allowing them the opportunity to LIE again so I take to court and etc. The attached document is to show CFPB this is NOT their first time of the same fraudulent act! ***I 've attached some of my preliminary fraud summary investigation for your review. ***I would like to save the rest of my evidence for if going public or court ***I was not able to upload a larger report due to size, I can send via email if given an email address
Company Response:
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2017-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Filed for a loan modification in XX/XX/XXXX with OCWEN Loan Servicing. I was 2 payments behind and they already denied other remedies for the problem and told me I had to apply for a loan modification to fix this problem. I was ask for documents over and over and over again. I would send more documents and they would ask for more and more. I would try and talk to " Relationship Manager '' and she was NEVER available and was told it would be 3-4 weeks even with an appointment. Waited for calls and they would do nothing except for tell me that I needed more documents and say I did not send then. I have emails to prove the documents were sent. They ask for my ex husbands signature even though the loan had already been put in my name only years earlier, I was told there was nothing I could do except get his signature because his name was still on the loan. ( It was not ) They foreclosed on my home while waiting on the loan modification. My foreclosure was overturned in the middle of XX/XX/XXXX and I was told they were still working on the problems And I would be receiving a letter on what I needed to do. I received a default letter a couple of weeks ago and I called XXXX XXXX that has been working the problems on my case and I was told they were NOT forclosing on my home and that she was sending an email to XXXX XXXX XXXX my relationship manager and ask her to call me about what I needed to do to get this issue fixed. I told XXXX XXXX I wanted to keep my home and I still needed the loan modification! I told her I would start making payments but I did n't want to make payments on a house they were foreclosing on! I just needed information on what I need to do to get this fixed! Today XX/XX/XXXX I received another foreclosure letter, foreclosing on my house for a second time from attorney XXXX and XXXX, XXXX. ( See attachments ). Since I never heard anything from XXXX XXXX I sent emails with new paysubs, bank statements, lien release on my car. Everything I thought they might possibly need, even though I have not received another letter, or phone call! I received confirmation they received them. I did not get any follow up email, letters, phone call about my loan modification again! The only reply has been foreclosure papers!!!!! Please, please, please help!!!! I do n't know how to deal with this company that will not respond!!! They sent a letter to Oklahoma Attorney General in mid XXXX turning around their demand for a signuture of my ex-husband that I had told them since XXXX they did n't need and ask them to look into this because it was wrong. I was hung up on, told to send documents I had sent over and over again, then told they are old now and I have to start over, then when I would get upset I was hung up on, told I was wrong, I would beg them to just actually look at the documents that I had sent and they would see that I had sent them what they needed, and that it would be weeks to make another appointment! I NEED SERIOUS LEGAL HELP!!!
Company Response:
State: OK
Zip: 74012
Submitted Via: Web
Date Sent: 2017-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My ( now ex- ) wife and I separated in the summer of XXXX. I had hopes that we would get back together, and made improvements on the house and one of the vehicles we owned together. As a result, I incurred debt and fell behind on the payments with OCWEN Loan Servicing. After a point, OCWEN refused to accept any payments unless it was for the full amount past due. I contacted OCWEN several times for assistance in applying for modification or refinancing. Although a dedicated " relationship manager '' was assigned to the mortgage, each time I contacted OCWEN, I ended up speaking with a different person, and was given different information -ranging from being told my application was incomplete or that my ex-wife needed to sign a quit claim deed. It was not until this summer ( 3 years later ) that my modification was processed and approved, after I indicated that I reported OCWEN to this agency. However, the terms of the modification while offering a slight reduction in monthly payments ( approximately {$160.00} ) would financially tie my ex-wife and together for 40 more years. Additionally, the overall loan amount would increase several hundred thousand dollars. When asked if I could just resume payments under the original terms, I was told that I would have to pay the past amount due -over {$18000.00} ( an amount due in part to the accumulated effect of OCWEN not accepting any payment until previous past due amounts could be paid ). While I am now starting to be on better financial footing, I am stuck in a catch 22 position.
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2017-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: A few years back I refinanced my home. My business was doing badly. I went very quickly from a mortgage payment that was affordable when I purchased the home to one that was raised to unaffordable. The refinance ( XXXX XXXX ) company used up my equity to achieve their goal of forcing me into foreclosure. Not only did they get my home but they also got 100 % of my equity. I believe this was a company practice, planned and predatory. I believe this was predatory because of the systematic way the finances kept getting worse at an ever accelerating rate. There was no help coming from them to keep the mortgage going and my family in the home. We lived in our home for 17 years. We tried to sell our home for three years, but were not able to because we had to keep raising the price to satisfy what we owed to Ocwen Mortgage who kept raising their fee faster than any ability to stay even. We were essentially underwater and kept there. The amount of financial distress my family of XXXX has incurred is irreparable. My business is not capable of making the amount of the equity and home price that I believe Ocwen planned to take and took from us. The damage and anguish has affected my XXXX children, my spouse and myself in a most adverse and possibly tragic way.
Company Response:
State: TX
Zip: 76092
Submitted Via: Web
Date Sent: 2017-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To : Ocwen Loan Servicing, LLC / Complaint DepXXXX. Hello : Am behind on my mortgage and I was try make a payment but your staff said that since I was 89 days behind they could not take a payment, so I ask them where in the paper I sign did it say that, none of them could answer my question. Your Company Fill there mouth that are here to help, but thats not true. Instead you would rather see me go into foreclosure then trying to help me. I waiting for my XXXX hearing inXX/XX/XXXX, so am hanging in there trying to make my payments and all I get from Ocwen is we cant help you because we have a policy that after 89 days we cant take payments. But none of the people I talk to from your company couldnt show me were dose it say that on my papers that I sign. I feel that you are not acting in my best interest and really want to take my home away from me after 33yrs living there. It is really sad how your staff and your policy are forcing more people in foreclosure. But the good news is that am going to fight you all the way and get some legal help to see if I can sue Ocwen for there way they are acting about not take my payment after 89 days which is not in my contact of the papers I sign. I hope we can get this problem settle and avoid legal action against Ocwen for not disclosing information of there 89 days of not taking payments and then send your loan for Foreclosure. Here are the employee I spoke with Bage ID # XXXX, # XXXX and a person name XXXX that works with my Relationship Manager. I really Hope that we can take care of this problem and really see you trying to help me in times of trouble.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33013
Submitted Via: Web
Date Sent: 2017-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have submitted paperwork several times and keep getting asked for the same things. Attached is a name affidavit, the letter for the name, hud-1, and the utility bill with correct name and address. Please let me know what else is missing the Buyer is getting impatient and this is taking forever to get an approval letter.
Company Response:
State: IL
Zip: 60048
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Based on the my review, I notice that Ocwen loan servicing is alleged unlicensed servicing activity in Maryland not license or have consent order file with Maryland Commissioner XXXX XXXX and no longer eligible to collect a debt form the homeowners in the state of Maryland. I 'm facing preditory lending and respa, Truth n lending violations, In violation of escrow agreement, Ocwen licensing was suspended under unfair business practices XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Therefore I request for Ocwen to show proof of claim/debt and all my payments be returned, I 'm going to continue to pay my taxes and insurance without escrow.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My complaint is in reference to complaint num. XXXX ... which is telling me they have done nothing wrong and I 'm not specific enough ... how specific do I need to be ... for one you are not aloud to charge multiple property inspection fees on the same day and still monthly ... that is called double dipping ... .for two ... you are not aloud to practice unfair ... deceptive and abusive practices on a family for 7 yrs ... and get away with it ... that is ludicrous ... .and your still doing it bc your ocwen and can do whatever you want!!! That 's even worse ... no one..and I mean no one should have to go through what your co has put us through ... i wish I never bought this home ... i would have never met you and my life would be normal ... instead of all the emotional XXXX your co has put us through ... now I want you to know I have a complete application in with ocwen for assistance ... ..i do not have a sale date as of today ... my application was faxed in on XX/XX/XXXX ... .at XXXX ... at XXXX ... and at XXXX ... .faxed 3 times to XXXX XXXX XXXX ... .a short sale was entered for the 3rd time in a year ... on XX/XX/XXXX ... .nothing from ocwen!!!! That 's fine bc they are still in their time frame but it wo n't be long ... and do n't even try and say it 's not complete or you did n't get something ... .just dont!!!! When are you guys gon na help the families that really need it????
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed chapter XXXX bankruptcy with exemption that I would reaffirm the debt of my XXXX XXXX XXXX motor vehicle and our. property service by Ocwen Loan Servicing I claimed as exempt was retained an pay as to contract.But both are closed in my credit report because of chapter XXXX bankruptcy which .I have never stopped making payments because they were both retained they were not part of the bankruptcy..No payments are been reported by either company.
Company Response:
State: MA
Zip: 02126
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The mortgage company Ocwen stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my XXXX XXXX and credit history. I am a Surviving spouse of XXXX XXXX XXXX member.
Company Response:
State: WA
Zip: 98597
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A