Date Received: 2017-07-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: 1. No response to QWR and Bailee Demand ~ lack of debt validity. 2. We made 7 payments to Litton Loan Servicing in XX/XX/XXXX& XXXX that were never applied ( prior to service transfer to Ocwen ) 3. Wet made 14 payments in XXXX to XX/XX/XXXXthat were never applied ~ to Litton Loan Servicing. 4. Litton alleged {$3800.00} escrow deficiency at the time of the loan transfer to Ocwen in XXXX. 5. We made 17 wire transfer payments to Ocwen in XXXX, XXXX & XXXX that were never applied 6. Ocwen claims escrow was short {$7100.00} in XXXX, due to payments never being applied at Litton and Ocwen. 7. Ocwen demanded escrow payments of {$420.00} per month, when they should have been {$260.00}. This action in XX/XX/XXXXled to further default. 8. Ocwen refused to process loan mod application..we filed appeal to denial. The State of Texas issued a cease and desist orders and also sued Ocwen as well. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since Ocwen refused our attempts to modify our loan, we filed a Federal Lawsuit on XX/XX/XXXX. Ocwen was served at their registered agent in Texas on Thursday XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 755XX
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen is sending out default letters and Demand letters on my loan that is in, " Good Standing, '' as I am not 90 days past due on my MHA HAMP Modification agreement. Violating Federal Bankruptcy laws by sending me frivilous demand and default letter. Blocking me, a XXXX person, from receiving government financial assistance from the XXXX XXXX 's Financial Crisis Assistance program. I am XXXX. I suffer from XXXX, XXXX XXXX XXXX, XXXX, XXXX and a myriad of other issues. Ocwen is pushing my XXXX through the roof because of their unwillingness to adhere to my modification, blocking financial assistance which breaks laws under ADA. I am too XXXX and too tired to go into much detail. I will attach a letter I sent to Ocwen today and that I 'm sending to the Florida Attorney General 's Office. I 'll just make some quick points because I ca n't focus for long and trying to write letters give me anxiety attacks to try and concentrate. So, here are some quick bullet points. OK, thank you Excessive fees for property inspections and evaluations, etc. failing to respond to my many inquiries sending false default demand letters when my HAMP Mod is still in Good Standing as I am no 90 days past due. They are trying to trick me out of my modification. Breaking ADA laws Breaking Federal Bankrupcy Laws on a loan that was discharged in chapter XXXX bankruptcy XX/XX/2008 and NOT REAFFIRMED
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My issue involves XXXX XXXX XXXX ; I have previously filed a complaint. I have contacted Ocwen Ombudsman but got a generic response. One thing they continue to ignore is the inaccurate information they are now reporting. The term of the loan is reported as 38 years. This is false. The term was 15 years with a balloon note. This is why they were able to take my home. CFPB recently filed a suit against this company : Case No. XXXX CONSUMER FINANCIAL PROTECTION BUREAU, I want to add any information I can to this suit if possible. If not, I want someone to help me determine if anything can be done. I began trying to go through the modification process in XX/XX/XXXX 2010. They refused me at every turn. First, because I was not in default and had not missed 3 payments. When they received that 3rd payment they sent it back and my nightmare began. They told me that NPV was the reason, or the 31 % rule, they lost paperwork, they stalled and stalled and then finally sent me a 2 year in-house modification agreement because they said the " investor '' would n't allow this loan to qualify for the HAMP. I made every payment on time and applied for another modification which was turned down. They claimed the loan owner would not allow modification and demanded the balloon payment of {$75000.00}. Help me. Please. ________________
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have 3 mortgage with the original company that was XXXX, then it became gmac. Because my mortgages use to be auto debit from my bank account I had no awareness that GMAC became bankrupt. Apparently ocwen took over my mortgages and then they claim i was not paying my loans since XX/XX/XXXX even though there were withdrawals from my account. So I notice in XX/XX/XXXX that my auto debit stop debiting my account. Since XX/XX/XXXX i have been on the phone with ocwen every few weeks to try to recetify this matter. Unitl today i have sent numerous emails. faxes and phone calls speaking with the relationship managers and sending in paper work non stop. The major part that makes me angry is at times they say they receive the documents. and then later they say its not there and have to send again. How is it possible that in the same email they only receive part of the attachemnt and not the other part. Their excuses are endless. I ask if i can make some payment to my mortgages and they said its better not to until the whole thing is resolved. They have also indicated many times that as long as i am in this process of trying to resolve this matter with ocwen, that my properties will not be forclosed. And now i find out that they went ahead and will forclose my properties without my knowledge. The worse part of all is now i find out that XXXX XXXX XXXX XXXX is now trying to take me to court because apparently they are now the holders of my mortgage. I dont understand why for since XX/XX/XXXX that Ocwen at no point told me that they are not the holder of my mortgage but XXXX XXXX XXXX is. So now im really confused with who im suppose to deal with. I have owned my properties since XX/XX/XXXX and now i '' m in jeopardy of losing all my properties because i have no clue who i 'm suppose to deal with and how ocwen is not able to fix my mortgage modifications. It has been way too long and still no solution except i 'm at high risk to lose everything. The worse part is ocwen said that the interest that keeps accumulating will not be accounted for once the modifications go thru but apparently i have been advise wrongly by all ocwen representatives because behind my back they are proceeding with the foreclosure without my knowledge. I need help. Please help me in resolving this matter. I want to continue to own my properties and i can make the payments however i 'm not ready to pay for all this interest and late fee accumulations that ocwen has mislead me into this mess. i am completely exhausted dealing with ocwen as every time i call they keep changing my relationship manager, and each relationship manager continues to ask for the same documents over and over ... ... I need a solution to have a mortgage on a proper way, however im not prepared to pay for all this interest and late fees that ocwen have driven me to because they told me not to make any payments til my mortgage modifications are resolved. i need a resolution asap especially who do i deal with ... is it ocwen, or gmac, or XXXX XXXX XXXX XXXXike whose the holder of my mortgage notes. i have emails and documentations of all my dealings with Ocwen and will be happy to send it should you need all the details. it is quite long as alot of time has lapsed. i am prepared to send it should you need more info. Its unfair that these companies are allowed to get away with all this and its my hard earned work that i own my places.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have 3 mortgage with the original company that was XXXX, then it became gmac. Because my mortgages use to be auto debit from my bank account I had no awareness that GMAC became bankrupt. Apparently ocwen took over my mortgages and then they claim i was not paying my loans since XX/XX/XXXX even though there were withdrawals from my account. So I notice in XX/XX/XXXX that my auto debit stop debiting my account. Since XX/XX/XXXX i have been on the phone with ocwen every few weeks to try to recetify this matter. Unitl today i have sent numerous emails. faxes and phone calls speaking with the relationship managers and sending in paper work non stop. The major part that makes me angry is at times they say they receive the documents. and then later they say its not there and have to send again. How is it possible that in the same email they only receive part of the attachemnt and not the other part. Their excuses are endless. I ask if i can make some payment to my mortgages and they said its better not to until the whole thing is resolved. They have also indicated many times that as long as i am in this process of trying to resolve this matter with ocwen, that my properties will not be forclosed. And now i find out that they went ahead and will forclose my properties without my knowledge. The worse part of all is now i find out that XXXX XXXX XXXX XXXX is now trying to take me to court because apparently they are now the holders of my mortgage. I dont understand why for since XX/XX/XXXX that Ocwen at no point told me that they are not the holder of my mortgage but XXXX XXXX XXXX is. So now im really confused with who im suppose to deal with. I have owned my properties since XX/XX/XXXX and now i '' m in jeopardy of losing all my properties because i have no clue who i 'm suppose to deal with and how ocwen is not able to fix my mortgage modifications. It has been way too long and still no solution except i 'm at high risk to lose everything. The worse part is ocwen said that the interest that keeps accumulating will not be accounted for once the modifications go thru but apparently i have been advise wrongly by all ocwen representatives because behind my back they are proceeding with the foreclosure without my knowledge. I need help. Please help me in resolving this matter. I want to continue to own my properties and i can make the payments however i 'm not ready to pay for all this interest and late fee accumulations that ocwen has mislead me into this mess. i am completely exhausted dealing with ocwen as everytime i call they keep changing my relationship manager, and each relationship manager continues to ask for the same documents over and over ... ... I need a solution to have a mortgage on a proper way, however im not prepared to pay for all this interest and late fees that ocwen have driven me to because they told me not to make any payments til my mortgage modifications are resolved. i need a resolution asap especially who do i deal with ... is it ocwen, or gmac, or XXXX XXXX XXXX like whose the holder of my mortgage notes.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have 3 mortgage with the original company that was XXXX, then it became gmac. Because my mortgages use to be auto debit from my bank account I had no awareness that GMAC became bankrupt. Apparently ocwen took over my mortgages and then they claim i was not paying my loans since XX/XX/XXXX even though there were withdrawals from my account. So I notice in XX/XX/XXXX that my auto debit stop debiting my account. Since XX/XX/XXXX i have been on the phone with ocwen every few weeks to try to recetify this matter. Unitl today i have sent numerous emails. faxes and phone calls speaking with the relationship managers and sending in paper work non stop. The major part that makes me angry is at times they say they receive the documents. and then later they say its not there and have to send again. How is it possible that in the same email they only receive part of the attachemnt and not the other part. Their excuses are endless. I ask if i can make some payment to my mortgages and they said its better not to until the whole thing is resolved. They have also indicated many times that as long as i am in this process of trying to resolve this matter with ocwen, that my properties will not be forclosed. And now i find out that they went ahead and will forclose my properties without my knowledge. The worse part of all is now i find out that XXXX XXXX XXXX XXXX is now trying to take me to court because apparently they are now the holders of my mortgage. I dont understand why for since XX/XX/XXXX that Ocwen at no point told me that they are not the holder of my mortgage but XXXX XXXX XXXX is. So now im really confused with who im suppose to deal with. I have owned my properties since XX/XX/XXXX and now i '' m in jeopardy of losing all my properties because i have no clue who i 'm suppose to deal with and how ocwen is not able to fix my mortgage modifications. It has been way too long and still no solution except i 'm at high risk to lose everything. The worse part is ocwen said that the interest that keeps accumulating will not be accounted for once the modifications go thru but apparently i have been advise wrongly by all ocwen representatives because behind my back they are proceeding with the foreclosure without my knowledge. I need help. Please help me in resolving this matter. I want to continue to own my properties and i can make the payments however i 'm not ready to pay for all this interest and late fee accumulations that ocwen has mislead me into this mess. i am completely exhausted dealing with ocwen as everytime i call they keep changing my relationship manager, and each relationship manager continues to ask for the same documents over and over ... ... I need a solution to have a mortgage on a proper way, however im not prepared to pay for all this interest and late fees that ocwen have driven me to because they told me not to make any payments til my mortgage modifications are resolved. i need a resolution asap especially who do i deal with ... is it ocwen, or gmac, or XXXX XXXX XXXX like whose the holder of my mortgage notes. i have emails and documentations of all my dealings with Ocwen and will be happy to send it should you need all the details. it is quite long as alot of time has lapsed. i am prepared to send it should you need more info. Its unfair that these companies are allowed to get away with all this and its my hard earned work that i own my places.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We purchased our home in XXXX, Illinois and started out with GMAC Mortgage and were bought out by Ocwen Loan Servicing, LLC ( company in XXXX XXXX XXXX, FL ) .We were current on our payments so there was NO reason we should have been given over to Ocwen , who is a debt collection agency instead of a mortgage company. Our payments have gone up considerably on a 30-year fixed loan. Our property taxes and insurance were es-crowed in ; Insurance on the home has stayed the same and property taxes have barely increased over nine years. We have tried to work with Ocwen of why our payments have gone up {$300.00} dollars, thus causing us to not be able to afford our home, but we continue to get the run-around. We started to get behind on payments when this first happened, and even took out a loan against our 401K to catch up payments. Payments were indeed caught up and then Ocwen ONCE AGAIN increased our payment. Sincerely, Very Stressed Out Homeowner
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: CASE # XXXX XX/XX/XXXX.CLAIM THEY ARE WORKING ON MODIFY. FALSE NEW CASE OCWEN IS USING FALSE NAME OF BANKS TO CLOSED ON HOMES, FOR PROFIT..MANY NAMES ONE IS XXXX XXXX XXXX .WHOM ONLY HOLD THE BOND & SECURITY OCWEN, PER OUR CONVERSATION OCWEN ALWAYS USE THERE NAMES. THIS IS WRONG, PERSON SAID HE HEAR IT ALL THE TIME. THIS BANK DO NOT CLOSED ON HOME..OCWEN DECIDE THIS HE. REQUESTED I CONTACT CONSUMER PROT.XX/XX/XXXX. FORWARD THIS INFO TO MY ATTORNEY ABOUT AUCTION OCWEN HAS DONE/ NO NOTICE JUST ONE LETTER.. THIS IS NEW CASE Ocwen loan, OCWEN TAKE TRIAL PAYMENTS AFTER YOU COMPLETE THE TRAIL NEW PAYMENT AT LOWER RATE SHOULD START. I COMPLETED TRAIL PAYMENTS, MADE THE 1ST PAYMENT THE NEXT MONTH AFTER OCWEN INCREASE MY PAYMENTS BY XXXX TO XXXX. ANOTHER LETTER, YOUR IN DEFAULT LOAN NOT MODIFY AFTER TRAIL PAYMENT OVER {$2000.00} S XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ON FIRST MONTH. BY ACH WIRE. ON XX/XX/XXXX LETTER ARRIVE TO SAY HOME IS BEING AUCTION XX/XX/XXXX. ON XX/XX/XXXX I CALL OCWEN ASK WHAT IS THIS I WANT TO TALK TO MY RELATIONSHIP MGR. ( XXXX XXXX ) UNAVAIABLE I CAN HELLP RMA TOO. I CAN SET UP APPOINTMENT XX/XX/XXXX XXXX, came home XXXX XXXX XXXX XXXX for Lunch for Hour early lunch stay to XXXX XXXX XXXX XXXX XXXX NO CALL, I CALL XXXX XXXX OCWEN ASK WHY NO ONE CALL. .CLAIM THEY CALL HOME I S, AID I BEEN HERE. NEXT NIGHT XXXX XXXX XXXX XXXX NO CALL, CALL AGAIN NOT MY RMA A. I ASK ABOUT MY APPOINTMENT, OCEN WE SORRY. WE RESETUP XX/XX/XXXX XXXX XXXX ANOTHER ( RM ) Relationship Mgr. GAVE HIS ID.I ASK WHERE IS XXXX XXXX MY RELATION MGR. IN my 3YEARS I HAVE NEVER TALK TO MY RELATIONSHIP. THIS is MADE UP NAME for reference. WHEN CALL OCWEN, NO.ANSWER TO MY RELATIONSHIP MGR. IT ALWAYS TRANFER TO A NEW RM OCWEN I CAN HELP. EMAILS FROM OCWEN AND LETTER TO FOLLOW AFTER THIS. START DOING THE RIGHT THING WITH PEOPLES BEEN NIGHMARE SINCE YOU TOOK OVER GMAC ACCOUNT XXXX
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX, 2017, XXXX XXXX XXXX provided a renewal offer of our homeowners insurance policy. THE BILL CLEARLY SHOWS {$2700.00} AS DUE TO PAY IN FULL. On XX/XX/XXXX, Ocwen deducted {$2900.00} form our escrow account for Ins Disbursement : XXXX XXXX XXXX. SAID PAYMENT BEING {$140.00} IN EXCESS OF THE AMOUNT DUE & SHOWS NOWHERE ON THE BILLING STATEMENT. We contacted Ocwen by telephone on XXXX XXXX 2017 and was told that they did not know the payment was {$2900.00}. The rep even went so far as to tell us that the amount due according to their computer system was {$2700.00} but that it did show a payment was made on XX/XX/XXXX in the amount of {$2900.00}. The rep assured me that the Insurance company would issue a refund & that if sent to them they would credit it back to the escrow, however, if it was sent to us we needed to forwarded it to Ocwen to be returned to the Escrow account. I informed the rep that I did not recall seeing that requirement in our mortgage agreement that we must return to Ocwen refunds from over payments that are their error. He was insistent that since it came out of the Escrow Account it must be returned to the Escrow Account. Following the phone conversation we wrote Ocwen Insurance Department & the Ocwen Consumer Advocate/Ombudsman concerning this overpayment. WE SIMPLY ASKED TO BE PROVIDED WITH A WRITTEN EXPLAINATION OF WHY THEY PAID {$140.00} MORE THAN WAS DUE, HOW THEY CAME UP WITH {$2900.00} DUE WHEN IT IS CLEARLY PRINTED ON THE BILL THAT ONLY {$2700.00} WAS DUE. Today, XX/XX/XXXX, Ocwen called & left a voice mail stating that they had spoken with our insurance agent and that a refund would be issued and sent to us as the insured. We were once again advised that we need to forward that to Ocwen to be returned to the Escrow Account. WE ARE STILL WAITING FOR AN EXPLANATION OF THE ERROR HOW THEY CAME TO PAY MORE THAN WHAT WAS CLEARLY SPECIFIED AS DUE. This is NOT the 1st error that Ocwen has made with our Escrow Account. We are still missing {$42.00} from an over payment Ocwen made to the county in XX/XX/XXXX -- the bill clearly stating 1 amount & Ocwen deducting a greater amount from our Escrow with no refund or credit having been received 8 months later. We are aware that Ocwen was sued in XXXX 2017 in part due to error in managing Escrow Accounts .... & we have long held suspicions over some of their escrow practices. Clearly, getting sued last XX/XX/XXXX has had ZERO effect on their practices today as this error mimics many of the errors that resulted in CFPB filing suit against them!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: A loan modification application was submitted to Ocwen. They sent a letter on XXXX XXXX stating that they were reviewing the application, but there is a foreclosure sale coming up on XXXX on the property. That is clearly a Dual Tracking violation.
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A