Date Received: 2017-08-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Everyone is saying that you will not tolerated XXXX XXXX XXXX/ Ocwen Loan Servicing LLC . To continual harassing the consumers but Im not be treated with the respect, dignity, and fairness that I deserve. I would like to send you proof that OCWEN is still up to their old tricks. AHMSI mortgage payment was not behind, but the mortgage company force place insurance. The new insurance company sends the information to the mortgage company. I change insurance company. I fine an insurance that would insurance my home for half the amount of my old insurance. I do not have an escrow account with my AHMSI mortgage company. I pay my own Taxs and Insurance and I do it on time. But my AHMSI has opened an escrow without notified me until after paying a cancel insurance policy. The old company did not cancel I wrote a letter telling them to cancel and phone call ; I end up getting the insurance commission involved. This has been going on for over nine ( 9 ) years at this time. Through bankruptcy chapter XXXX I received this mortgage contact, and I am not pleased with what Ocwen Loan Servicing LLC presented to me. The payments began onXX/XX/XXXX how I can make a payment on XX/XX/XXXX when I just received the contact from you to review XX/XX/XXXX Ocwen Loan has changed the contact and I decided to consult an Attorney for a second opinion, and I found out that : Interest rate is the only thing that looks appropriate in this document 19 years payment vs. 30 years is not good for me and this also changes my contact. I did not want it but they gave me a BALLOON PAYMENT, now its a balloon Interest Bearing Principal Balance that group interest this also change my contact. Interest, Escrow, and Monthly payments all adjust when everything I had before was fixed. I need someone to look into this matter as I do not accept this mortgage modification that was presented to me. I have been advised not to sign anything and if needed, to take further action to expose this fraudulent mortgage business practice. I look forward to your prompt reply. The mortgage insurance has pay off the mortgage you can check MERS website and it look like it was done before the foreclosure procedure was done. MERS MIN : XXXX Note Date : XX/XX/XXXX MIN Status : Inactive Servicer : Ocwen Loan Servicing, LLC Phone : ( XXXX ) XXXX, XXXX XXXX XXXX, FL.
Company Response:
State: FL
Zip: 33023
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have a 120 day delinquency from 2008 on my credit report with my previous mortgage provider that i 'm unable to have removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: First, I would like to thank you for assisting with my first complaint # XXXX about OCWEN LOAN SERVICING LLC. Next, I want to open a new complaint because I sent them an QWR on XX/XX/XXXX and they responded to myself and CFPB by electronic mail on XX/XX/XXXX. And yes while OCWEN did send out a response to both of us, so that would be complying to Section 2605 ( e ) of the Real Estate Settlement Procedures Act ( RESPA ) which requires that they respond to " qualified written requests '', they again did not send me the information that was requested by me. They sent out a response to us stating that my concern was addressed to them on XX/XX/XXXX and that according to them my concern was with the Law Offices of XXXX XXXX which was never a question to OCWEN when I was writing them asking them for information at all. This information that OCWEN sent to you is false. OCWEN again is still not doing business in the State of Maryland by the rules, and that is why the State of Maryland is not letting the do business in this state. According to all of the information that I am receiving, I am not sure where my payments are going, but reading the information on the case file that Maryland put out, the XXXX # XXXX is a part of this paperwork and it looks like my money is going somewhere but not sure to whom or where it is going. And also I found out by an Real Estate Agent that this alleged loan was put in for 50 years which was revealed through a credit report they he pulled, this is something that OCWEN did not disclose to me. The things in my first QWR that I asked them for were not furnished to me or the CFPB. They stated that they WILL NOT RESPONED TO QUESTIONS THAT DO NOT RELATE TO THE SERVICING OF THIS ACCOUNT, BUT all of the items that I asked them to show be documentation for is related only to my account. So, I would like to know how or who I need to contact to get OCWEN to get me the information that I requested in the QWR that I mailed to them via U.S. Postal Service Return Receipt on XX/XX/XXXX. The second page of my letter show the items I asked them to provide to me. Thanks for your help with this matter.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Ocwen has claimed that it is passion of a claimed interest in the XXXX 's ( Petitoner ) property. Ocwen has falsely misled and used fraudulent actions to claim that they have and are in possession of an original note and mortgage but Ocwen 's records on numerous accounts have shown differently. Ocwen has fraudulently initiated foreclosure and debt collection proceedings falsely representing that it has the Original note and mortgage when Ocwen knew, should have known buy the account of its own records that it was not in possession of an original note or mortgage. XXXX/XXXX/XXXX - Ocwen records state - " collateral file reviewed the mortgage document is marked - Unofficial copy '' XXXX/XXXX/XXXX - Ocwen records state - " collateral file reviewed - no original docs are present. "
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2017-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen holds our 2nd mortgage on our home.Our bill was ALWAYS due on the XXXX of each month. Even tho I always paid it w/in the grace period, Ocwen would call and pester me about the payment. So, I worked REALLY hard to get to where I could pay the bill paid ahead of time to avoid the calls. Then, suddenly, w/o warning, Ocwen changed the due date to the middle of the month. Once again I worked to get the bill paid 2 weeks BEFORE it's due date and now, once again the due date is changed to the XXXX of the month. My payment was due XX/XX/XXXX, I sent a check on XX/XX/XXXX which Ocwen got on XX/XX/XXXX. NOW I have a bill that says it's due on XX/XX/XXXX! 2 weeks between due dates??? I called customer service and was told in about 10 days they will email me about my inquiry/complaint! WHY IS THIS COMPANY PUNISHING ME FOR PAYING MY PAYMENT EARLY??? On top of their predatory loan interest rates, it apparently takes them over a week to provide customer service. WHY??? I have yet to have one positive experience when dealing w/this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2017-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hi! I would like to know if there is a statute of limitations for the OCWEN Settlement ( XXXX XXXX XXXX ) since I was never notified by the law firm though I should have been notified and included in the class. Please let me know. I would love to hear from you. Best Regards, XXXX XXXX XXXX
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had 2 modifications with Ocwen Loan Servicing. I 've requested a print-out from Ocwen from XX/XX/XXXX that shows all monthly payments have been made. The newest re-modification that began on XX/XX/XXXX also shows all payments made. During this modification I called many times about a discrepancy showing on their website stating I had missed a month. After calling every month they kept telling me their system has n't updated. I told them I was concerned about how this going to reflect on my credit report and they stated that after everything updated, they would clear it with the credit bureaus. Not only did they not take this negative reporting off my credit report, they charged me 9 Property Inspection fees at {$13.00} each. I did n't even know I was being charged these fees until I requested an itemized print-out. When I asked a representative what these fees were for, they said when there 's a late payment and I 'm defaulting an inspector goes by my house. I told them again that I 've never defaulted on any payments and I can show bank statements if necessary of all payments made. My concern is that the reported information that was not factual and will unfairly negatively impact me for a long time. They continued to report for months after the modification was started and established that I was late. When I asked why they took so long for their system to update my record they stated " they have no set time frame for internal processing ''. I 'm a single mother XXXX XXXX and have had no financial help from my ex-husband for 5 years. I do n't have a lot of income at my current job and I have 9 deductions every week including XXXX for health care. I requested explanations from Ocwen and asked them to reverse the reporting on the credit bureaus because it shows payments made in full every month. After talking with several people I learnt that there was support and protection for consumers and I 'm hoping that there 's some resolve. Sincerely, XXXX XXXX
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2017-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am a 3rd party Mortgage Broker attempting to obtain a payoff for our client who has an account with Ocwen Loan Servicing LLC. We frequently struggle to obtain payoff information from Ocwen within a reasonable amount of time, however, this is our first complaint. As per Regulation Z, a servicer is required to provide an accurate payoff within 7 days of the request. So far, Ocwen has taken 22 days for this request and has projected at least another month before a payoff can be provided. - Our first attempt to order a payoff was on XXXX XXXX, 2017, we provided our client 's signature authorization, account number, and projected payoff date. We received a written response on XX/XX/XXXX stating a new request is required and the new request must contain the appraisal due to the type of account ( Original Loan was modified to an Equity Share Arrangement ) OR, they may simply use their own Broker Price Opinion. - A new request was submitted on XXXX XXXX, 2017, including the appraisal, customer 's authorization, account information and projected payoff date. - On XXXX XXXX, 2017, a call was placed to Ocwen to ensure the request was received. After verifying the customer 's information, we were informed that Ocwen is not authorized to talk to us about the account until the borrower 's signature authorization was validated which will take 2 days. - On XXXX XXXX, 2017, another call was placed to Ocwen, all information was again verified, and Ocwen still would not answer any questions regarding the account, or regarding whether they received our request for a payoff quote. Ocwen advised us that the customer had to call them to validate the signed borrower 's authorization before they could speak to us. - On XXXX XXXX, 2017, the customer called Ocwen and gave verbal authorization to speak to our company. - On XXXX XXXX, 2017, a call was placed to Ocwen, XXXX, ID # XXXX stated the customer did not authorize us to speak to them on his behalf. So, a conference call was made with the customer, who again authorized Ocwen to speak with us. While on the call, the customer verified his information and XXXX advised he did actually see that the customer made the authorization on XX/XX/XXXX, but it was not for our entire company, only his Loan Officer. Once the customer disconnected from the conference call, XXXX advised us that in order to obtain a payoff, we must speak to the relationship manager, XXXX XXXX, who 's schedule is so full, he can not talk to us for at least another month. - The client is current on his mortgage payments with Ocwen, and the refinance loan that our client applied for will save him nearly {$900.00} per month on his mortgage payments, however it is required that his Ocwen account is paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21784
Submitted Via: Web
Date Sent: 2017-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX and American Home Mortgage file lawsuit in the XXXX XXXX County Superior Court, XXXX XXXX Division, case number XXXX. XXXX XXXX, American Home Mortgage and its crooked lawyer " XXXX XXXX '' committed fraud upon the court, using forged fabricated documents, false payment history, false principal balance and false other false fees and then using other false documents and robo-witnesses to be guaranteed favorable judgment. XXXX XXXX and American Home Mortgage used fraud upon the court to destroy my life, soon after was declared XXXX XXXX. I been hospitalized multiple times having XXXX, XXXX and fear of Ocwen Loan Servicing stealing me home I own free and clear which caused me to be on XXXX which has caused me other troubles. I have always told my XXXX that XXXX XXXX, American Home Mortgage, Ocwen Loan Servicing and all its crooked lawyers committed fraud against me attempting to steal my home I own free and clear, and that all Ocwen 's harm has caused all my serious XXXX troubles. I attached a recent letter signed by my current physician who will be testifying in court to defend me. On XX/XX/XXXX, Ocwen Loan Servicing California attorney " XXXX XXXX '' responded to my CFPB consumer complaint attaching supporting documents. I finally had a chance to review the response, they are just shuffling so much papers in my face to spin its cover-ups. I been having a terrible time locating the person who has the Option One Mortgage {$550000.00} evidence being paid off in full. I am still trying to locate the person with the evidence. On XX/XX/XXXX, and XX/XX/XXXX, I mailed out evidence to Ocwens Loan Servicing requesting investigation and corrections to be made to the so-called phony made up loan account, as of today Ocwen Loan Servicing and its crooked lawyers failed to respond to my many requests. I made several attempts in the past requesting Ocwen Loan Servicing to clean up its mess and investigate and make corrections to its past errors but Ocwen Loan Servicing and its attorney XXXX XXXX refuse to do so, instead all they been doing is threatening me with XXXX fraudulent trustee sale using forged fabricated documents, false principal balance history, false payment history, fraudulent lawyer and court added fees and other fees, and then threatening me that if I did n't agree to sign Ocwen Loan Servicing increased {$750000.00} none negotiable loan modification offer in 48 hours Ocwen Loan Servicing would instruct XXXX to proceed with the fraudulent trustee sale taking place in just days and I would lose my home I own free and clear. I retained lawyer XXXX XXXX to file the lawsuit but instead he scammed me close to {$10000.00}. XXXX XXXX then sent my file to California XXXX XXXX who was in XXXX with XXXX. XXXX XXXX then filed TROs in court. My motion was denied because XXXX XXXX did n't follow the rules of the court and did n't property serve all the defendants. I fired incompetent lawyer XXXX XXXX. I was able to locate just a few of Ocwen Loan Servicing 's errors which I am sure Ocwen 's crooked employees are aware of, but they just cover it up spinning there pin hoping I will just over look the errors so Ocwen employees and its crooked lawyers can continue to harass and abuse me further which increases my health troubles. Error # 1, On, XX/XX/XXXX, I paid Option One Mortgage payment in the amount of {$3100.00}. Ocwen Loan Servicing records attached do n't show payment as ever being posted. Error # 2, On XX/XX/XXXX, I paid Option One Mortgage {$3300.00}, Ocwen Loan Servicing is showing a incorrect mortgage payment in the amount of {$3100.00} being posted to the account on XX/XX/XXXX. Error # 3, On XX/XX/XXXX, I paid Option One Mortgage {$3100.00}. Ocwen Loan Servicing is showing a incorrect payment in the amount of {$3100.00} being posted on XX/XX/XXXX. Also, on my bank statement attached it shows I overpaid Option One Mortgage to much on the payoff so Option One Mortgage refunded me the difference in the amount of {$69000.00}, wired deposit into my account. I went down to XXXX XXXX again on XX/XX/XXXX, at XXXX requesting the Option One Mortgage wire deposit records but the bank representative informed me that XXXX XXXX is only able to pull Washington Mutual bank statements only and that 's it, and they can not pull anything else from XXXX XXXX XXXX . If Ocwen Loan Servicing would just stop harassing me and committing fraud against me and just help me subpoena the wire records I 'm sure it will lead them to the actual payoff which will prove Ocwen Loan Servicing makes many mistakes and harassment many of homeowner and are nothing but scum of the earth fraudulent scums who should all be arrested and thrown in prison. If I am forced to pay on my loan all over again I request that Ocwen Loan Servicing honor the {$660000.00} loan modification offer attached with a monthly mortgage payment of {$2600.00} until I can locate the payoff evidence. I can not afforded the increased loan modification I was coerced into with over {$1000.00} more in mortgage payments to avoid XXXX fraudulent trustee sale taking place in just days. So, why do n't you scums just stop harassing me and threatening me and just send off a reasonable loan modification that I can afforded until I can locate the damn evidence. Stop acting like a bunch of XXXX! I am requesting Ocwen Loan Servicing to rescind the Notice of Default recorded against my property I own free and clear. I have attached Bank Records showing mortgage payments. I have attached " XXXX XXXX '' response to my consumer complaint using Ocwen Loan Servicing forged fabricated documents, false payment history and false principal balance history. I have attached letter from my doctor who will testify in court. I have attached state bar and prosecution letters as to XXXX XXXX, XXXX XXXX and XXXX XXXX scamming me several of thousand of dollars to defend me against shady Ocwen Loan Servicing and its crooked lawyers. I have attached a loan modification that was previously offered to me before Ocwen started threatening me pushing me around then increasing the offer over {$1000.00} more in payments. I can barley afford {$2600.00} payment that was previously offered. I CAN NOT AFFORED YOUR DAMN INCREASED {$380000.00} MONTHLY MORTGAGE THREATS. So, if you want to continue ripping me off, and I 'm forced to pay a mortgage payments all over again then just stop threatening me with increased modifications that I can not afford. SOUND GOOD?
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2017-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I submitted my assumption application on a townhouse that my ex had lived in. He moved out at the beginning of XXXX XXXX. I started paying the mortgage on XXXX XXXX. After extensive repairs I submitted my assumption application to OCWEN mortgage company. The assumption application stated the transaction ( closing ) would take about 4 to 6 weeks. On week 6 I called for a status to be told the assumption department was running behind in its processing and it should not take long. On week 8 I called for another status and was told by the processor that the underwriter had the paper work and I should have an answer soon. I explained that I wanted to purchase another vehicle and I was waiting for the closing to go through before moving forward. The underwriter said it will not impact my credit report because it had been pulled and submitted already so it would be fine to purchase another vehicle. On week 11 I called and asked for a status on the application and the processor said he needed additional information such as where I worked, copy of pay stubs and new bank statements. All of which I had submitted before. I was promised that I would have an answer within days. On week 12 I called back again and there is no status. I have been paying the mortgage on the property since XXXX XXXX.
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2017-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A