Date Received: 2017-08-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: CFPB and the Georgia Office of the Attorney General have been crucial in assisting and intervening so at the very least Ocwen Mortgage Servicing LLC can respond to their careless accounting methods. I filed a complaint through CFPB : XXXX and thankful to CFPB that Ocwen finally responded after a year of trying to speak and getting the run around with representatives at their company. For the most part, my calls were sent to XXXX and individuals who said or did nothing for my concerns. At the present time, in the belief that the situation had been rectified and resolved, in which I will attach the statement from Ocwen showing thus ; p I received a letter from Ocwen stating that I owe {$3000.00} and that I am in default. This is simply incomprehensible. Their latest correspondence dated XX/XX/XXXX is in complete contrast to their XX/XX/XXXX statement which reflects a credit balance of {$720.00} ( attached ). Once again, it appears Ocwen is not only discriminative and disorderly in practice on servicing this mortgage, but harassing and negligent. They have made calls to my home at XXXX XXXX in the morning in collection mode. I am not in default ; the mortgage payment due on XX/XX/XXXX is {$190.00} per the XX/XX/XXXX Ocwen statement credit which is less than the monthly amount due of {$950.00}. Once again, the credit for OVER payments made to Ocwen over the last year compensate for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX( partially ). Ocwen needs to check their accounting once again and stop the HARASSMENT and poor servicing of this loan.
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: OnXX/XX/XXXX I pulled my credit report and noticed that Ocwen has not closed my mortgage loan even though they received {$130000.00} that paid off the loan completely. I notified them through email on that same day (XX/XX/XXXX ) and they responded on the same day that they received my email. A couple days later I received a letter from them that stated " credit reporting for each month is made by the third ( 3rd ) week of the following month. The loan will be reported accordingly forXX/XX/XXXX in the third ( 3rd ) week ofXX/XX/XXXX ''. Well the third ( 3rd ) week inXX/XX/XXXX has come and gone, and Ocwen has failed to report timely and correct information as they had stated in writing. Please see attached copy for Ocwens response. With Ocwen failing to provide true and correct information to the credit bureaus they continue to harm my family financially.
Company Response:
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2017-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen servicing is completely fraudelent regarding my mortgage servicing
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2017-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: THIS IS NOT A DUPLICATE COMPLAINT! Ocwen Loan Servicing and their counsel raised additional questions that need to be answered! We request that Ocwen answers all of our questions below accurately and under penalty of perjury. 1st- why has Ocwen failed to update their records along with the credit bureaus inaccuracies for XX/XX/XXXX payment as requested in a previous CFPB complaint? Please review the documents provided which clearly reflects that Ocwen has failed to comply with our requests! 2nd-why has Ocwen failed to report for XX/XX/XXXX when XX/XX/XXXXshould have been reported in XX/XX/XXXX? Now, this constitutes a direct dispute which we request that Ocwen updates all the credit bureaus to reflect paid as agreed for XX/XX/XXXX and for XX/XX/XXXX which is now coming to the end of the month! We also request that Ocwen updates their records to reflect accurate information now and in the future! 3rd-does Ocwen consider their policies to supersede consumer rights, federal and state laws? Yes or No! 4th- is Ocwen and their counsel able to tell the difference between a " D '' verses an " O '' on a document? Yes or No! 5th-is Ocwen and their counsel reading the complaints prior to responding to our complaints with the CFPB? Yes or No! 6th-does any federal or state law require consumers to send a correspondent letter to a company or furnisher of information by certified letter or any other means equivalent too? Yes or No! 7th-is Ocwen aware that our previous CFPB complaint ending in XXXX has been disputed, your counsel stated incorrect information which has been addressed and what I said was accurate? Yes or No! 8th-is Ocwen and their counsel aware of false accusations such as the term spurious ( term used for FAKE )? Yes or No! 9th- is Ocwen and their counsel aware that they have 60 days to correct consumer issues after being notified? Yes or No! 10th-is Ocwen and their counsel aware of the penalty for providing false statements to federal and state agencies? Yes or No!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ok ... i want the cfpb to know that ocwen loan co contacted me approx 2 or 3 weeks ago and said I could fill out another application packet bc our foreclosure is on hold..which is not true ... the judge already gave XXXX XXXX summary judgement ... .but they did mail me a packet ... .and then called back about a week later and wanted all my attorneys info ... i gave it to them ... but I have had an attorney for 4 yrs now and this is the first time they have ever asked for his info ... .and then proceeded to tell me all communications must go through my lawyer ... .but when I received the packet I filled it out and faxed it yesterday 3 times!!!! Yes ... i faxed it 3 times ... they always have me refax..redo..resend ... well it 's complete as of yesterday and faxed 3 times ... and my lawyer has an offer in to ocwen for a short sale ... which would allow me to rent it at a much lower payment ... ..and eventually maybe someday own it ... .im letting you know this bc ocwen is plum crazy ... and they are gon na say sorry we ca n't accept your application bc your lawyer did n't fax it ... or sorry we ca n't do the short sale bc it was n't submitted on the right papers ... so we have to take it so we can sell it on XXXX ... ..bunch of garbage ... .ocwen needs to stop this insanity and you guys are the cfpb ... you are suppose to be protecting me from. Unfair ... deceptive..and abusive practices so I suggest you start doing it ... send this to your c eo XXXX it!!!! 7 yrs in enough ... i bout to tell them to take this house and XXXX XXXX ... if I did n't have children ... i would have already!!!!
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2017-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: To Whom it May Concern : Correspondence sent to Ocwen as there was an outstanding judgment associated with case # XXXX. The judgment was confirmed satisfied by Ocwen on XXXX/XXXX/XXXX in writing ( attached ). A corrected XXXX was received but the satisfaction of judgment has not been filed which is preventing the refinancing on XXXX XXXX 's residence. This matter has been ongoing for 3 months and has been escalated several time. Ocwen has failed to satisfy the judgment as promised thereby continuing to impact XXXX XXXX 's credit and ability to refinance.
Company Response:
State: SC
Zip: 29910
Submitted Via: Web
Date Sent: 2017-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX has filed a foreclosure lawsuit. They have no rights to my note and mortgage and have created assignments and other documents to claim mortgage ownership.
Company Response:
State: FL
Zip: 34119
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX Applied for loan modification to try to lower my monthly amount because we were struggling.XX/XX/XXXX Was told I had a 3 month trial, then the loan would be permanently modified BUT, the modification offer was for {$100.00} more per month, ( {$1600.00} ) so I did not agree with this. Was told that there was no explanation at this time as to why it was higher and I had to set up a phone call with a relationship manager. Took Months without explanations and every time I called they would give the runaround and could n't give me a straight answer. XX/XX/XXXX Received another modification that seemed to be correct, the amount was acceptable to me. ( XXXX ) Signed it, had it witnessed by 2 people and notarized. Sent it back. Have copies. New Payments were to begin XX/XX/XXXX. Tried to pay it online and the amounts were not right so when I called they told me that it would be correct in a few days and a few days turned into months of fighting because they then turned around and told me that that modification was a mistake and they cancelled it but did n't have any other explanation. So more phone calls and " investigations '' were taking place. XX/XX/XXXXI was told that my new payment is {$1500.00} with 2.75 fixed, I agreed that this was fine since I was sick of this by now and he told me to give it 24 hours and the online portion will be correct so I can make payment. We set up phone call for XX/XX/XXXX. All the info that he told me was incorrect stll and he had no explanation and had to research, set up phone call forXX/XX/XXXX was told that the department was still not correcting the info and we need to set up phone call again forXX/XX/XXXX Was told that the payments should be XXXX at 2.75 % and it has been sinceXX/XX/XXXX. He also told me that the trial plan was not completed successfully and no wonder since I had no exact amount! On XX/XX/XXXX they told me to file for a loan modification again and they sent me a pre-filled application and told me exactly which sections they need since they can use most of the info from the other one and I sent it back on XX/XX/XXXX. On XX/XX/XXXXwe had a follow up call to get a status of this mod and he had none, so onXX/XX/XXXX we spoke again and there was still nothing, he said it was still under review and it could be 10-15 days. XX/XX/XXXXstill nothing and had to schedule ANOTHER phone callXX/XX/XXXX was told I was denied for a modification because I can only have one modification in 24 months. I told him that I have n't had one yet! He told me write a letter to research department and i said no, I want to talk to them and he told me they do n't talk to people ( seriously ). I contacted Office of the Consumer Ombudsman and complained, they investigated and everything they told me that they got from OCWEN is a lie. ( Their letter is datedXX/XX/XXXX) They attached my signatures to an amount that I NEVER agreed to and said it was found that I did have a modification, but I did n't. I called them ( XX/XX/XXXX ) to explain and they have not returned my call. Called OCWEN today and spoke to XXXX in the Home Retention department to see where this stood and to find out what my options are and she asked me what I wanted to do, I told her keep my home, but I do n't have the catch up amounts that I fell behind on while all this modification was going on and she said that there are not options other than to pay up the balance and then she scheduled me to talk to my relationship manager on XX/XX/XXXX
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2017-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Loan was modified by Ocwen and taxes and insurance were to be escrowed. We have 3 parcels of land all on 1 deed with the house sitting on 1 of the 3. We find out from the State of WV that our house was sold at a tax deed sale for XXXX XXXX dollars for delinquent taxes and of we do n't immediately pay XXXX XXXX dollars our hone would be deeded to the highest bidder and Ocwen will lose their XXXX XXXX dollar mortgage they have on the home. This was a huge shock to us as we were under the impression the taxes were paid by the lender. We contacted Ocwen XX/XX/XXXX Here Ocwen was only escrowing the smalles of the 3 parcels on the deed. OUR PROPERTY TAXES WERE NOT BEING PAID SINCE XX/XX/XXXX. Now there are thousands of dollars in fees that need paid as well to the State of WV. This is a hige mistake on their part and whomever did the modification did not set escrow up correctly. I have called and called and called with no resolution. I asked for my problem to be escalated as it is a time sesitive issue. Noone knows what they are doing there. We need your help. Please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26003
Submitted Via: Web
Date Sent: 2017-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-25
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I, XXXX XXXX, received a Letter today from XXXX XXXX, Ocwen 's Ombudsman. The Letter is dated XX/XX/XXXX. I called the number on the letter, because I do not have an account with Ocwen ; and I am glad that I did, because I discovered that someone has been trying to impersonate me ; or XXXX XXXX is LYING ; Either way ; it is a Huge RED FLAG. XXXX in tOcwen 's Ombudsman 's Office stated that XXXX XXXX sent the letter as a follow up on a conversation that she said that I had on XX/XX/XXXX. I NEVER HEARD OF XXXX XXXX until I received this letter on today ; XX/XX/XXXX. So what is this person really up to? She is up to FRAUD. I HAVE NEVER AN ACCOUNT WITH OCWEN ; and Ocwen 's Ombudsman Letter Validates this fact. I received a Letter dated XX/XX/XXXX that Validates that I have NEVER HAD AN ACCOUNT WITH OCWEN ; and neither has my husband, XXXX. The Letter was from Ocwen 's Ombudsman, XXXX XXXX and it stated, " Our records indicate we have not received authorization from the Customer to provide account information to you. Therefore, we are unable to release any information regarding the account. '' ( Letter Attached ) Ocwen needed authorization from the Customer to provide account information to me. But this XXXX XXXX claims that she spoke to me ; I AM NOT THEIR CUSTOMER AS THEY VALIDATED, AND NEITHER IS MY HUSBAND. So, why is this person lying? She is lying because of the Criminal Charges of Theft by Conversion-Felony Charges pending. They want to manufacture an Account to cover themselves. We OWN OUR HOME ; and there are No Mortgages or Liens ; and we have NEVER had an account with Ocwen ; but according to XXXX Ombudsman, XXXX XXXX ; Ocwen 's attorney, XXXX XXXX of XXXX XXXX, instructed XXXX to break into our home ; making a false claim of foreclosure. It Was a LIE ; just like this XXXX XXXX is LYING. Ocwen is known for Stealing Homes using Foreclosure as the front. The Consent Order investigation revealed that manufacturing and filing False, Deceptive, Documents and Affidavits ; flies Illegal Foreclosures and Violates Homeowner 's Rights. Because they are still doing this ; they are being sued by the CFPB AGAIN along with 25 States ; that 's half of the country. The 25 States have also banned Ocwen. Massachusetts kicked them our completely. I do n't know the depth of these LIES AND IMPERSONATIONS. Did they try and file false documents with the county, pretending to be XXXX XXXX. They better hope and pray that they did n't. Either XXXX XXXX is Lying or Someone is pretending to be XXXX XXXX ; or BOTH. Impersonation is Identity Theft. I dont know how far these crooks will go. Ocwen and XXXX broke into our home ; and attempted to transfer our utilities to their name. Since these crooks went that far ; they are No Limits to what they would do, including impersonate me at the county records signing my name in a Fraudulent Property Transfer. I have already provided the CFPB with the Police Report with Charges of Theft by Conversion-Felony ; but this latest incident may include an additional charge of Identity Theft, a Federal Charge. The Suspect listed on the Police Report is XXXX ; but XXXX Ombudsman, XXXX XXXX named Ocwen 's Attorney, XXXX XXXX of XXXX XXXX, as the person who gave them the instructions to break into our home ; maybe the search for this Impersonator should begin here. I will report it to the Authorities as such.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2017-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A