Date Received: 2017-07-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I tried to modify payments with Ocwen Loan servicing LLC and got the run around and basically lost my mothers home that passed away. They promised me money to move after taking my deceased mother 's home that me and my brother tried to keep. I feel that Ocwen Loan servicing LLC ripped me off and stole my mothers home that she wanted us to try and keep.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX we received a PAST DUE PROPERTY TAX NOTICE for tax year XX/XX/XXXX, due XX/XX/XXXX -- A Time Period For Which Ocwen Was In Fact Servicing Our Mortgage & Our Escrow Account. THE AMOUNT DUE AS SPECIFIED WAS {$190.00} We forwarded the notice to Ocwen. Ocwen made payment from our Escrow Account ; However, They OVER PAID! On XX/XX/XXXX, Ocwen deducted a " Property Tax Disbursement '' of {$240.00} On XX/XX/XXXX, Ocwen credited " Tax Credit '' of {$42.00} On XX/XX/XXXX, Ocwen deducted a " Property Tax Disbursement '' of {$24.00} Ultimately We Had {$240.00} Deducted From Our Escrow Account For A Tax Bill Of {$190.00}. When We Contacted Ocwen We Were Told The {$42.00} " over payment '' was not an over payment but was payment of Interest & Penalties -- - HOWEVER THE TOTAL AMOUNT DUE WAS {$190.00}. OCWEN DEDUCTED {$42.00} TOO MUCH FROM OUR ESCROW ACCOUNT! We Have Yet To See A Credit On Our Escrow For The " Over Payment '' And Have NOT Received A Refund From the County. I Have Provided/Attached A Copy Of The Tax Notice & A Copy Of An " Escrow Disbursements & Payments '' Statement As Provided By Ocwen -- The Two Document Show An Obvious Discrepancy in The Amount Ocwen Removed From Our Escrow Vs The Amount Due. It Also Shows That Ocwen Has Failed To Correct This Issue Dispite Having Had It Brought To Their Attention! OCWEN CHEATED US OUT OF {$42.00} BY DEDUCTING MORE FROM OUR ESCROW ACCOUNT THAN WAS DUE & NO REFUND OR CREDIT HAS BEEN PROVIDED!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, we went onto Ocwen Loan Servicing website and found that our previous CFPB complaints were not corrected. CFPB, please review the attached copies from Ocwen Loan Servicing website. We then went onto XXXX credit reporting agency website on XX/XX/XXXX and found that Ocwen failed to update the credit bureaus. Per our previous CFPB complaint XXXX which was submitted onXX/XX/XXXX regarding our XX/XX/XXXX payment not reported correctly along with complaint XXXX submitted on XX/XX/XXXX regarding our XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX mortgage payments not reported accurately, we found that Ocwen failed to correct these issues within the 60 days required. Ocwen has in fact had ample time to correct these issues! From our initial complaint submitted onXX/XX/XXXX to XX/XX/XXXX, the length of time to correct these issues has been more than 60 days per the law! Now ; Ocwens attorney, XXXX XXXX from XXXX XXXX responded to our previous CFPB complaint XXXX stating in section 2 ; there is no record indicating a dispute letter was ever sent to XXXX or Ocwen regarding this reporting. Thus, the only allegation is that Ocwens reporting is inaccurate. Rebuttal ; Ocwen and/or their attorney failed to mention that a letter was in fact sent to Ocwen which was datedXX/XX/XXXX. This letter to Ocwen stated ; on XX/XX/XXXX, we filed a complaint with the CFPB ( case # XXXX ) against Ocwen Loan servicing for failing to correct the inaccuracies on our payment history along with the credit bureaus. Per state and federal laws, companies reporting to the credit bureaus are required by law to report accurately. Also, when a dispute is in process, the company has 60 days from the time of the dispute to correct all issues. As of today, Ocwen has failed to correct the issues that we complained about. We request that Ocwen corrects our payment history and credit bureau inaccuracies immediately. CFPB, please review the attached letter sent to Ocwen. Ocwens counsel further stated ; Credit reporting is governed by the fair credit reporting act ( FCRA ) 15 U.S.C 1681. Under the FCRA, a furnisher of information to credit reporting agencies has a duty to investigate and correct any information upon notice of a dispute by a consumer to a credit reporting agency or upon receipt of a direct dispute from the consumer that complies with the statutory and regulatory requirements. Rebuttal ; fact 1, per our previous CFPB complaints, our complaints do in fact represent notification to Ocwen of a credit bureau dispute! Fact 2, per our letter that was sent to Ocwen onXX/XX/XXXX, it is clear that Ocwen was notified by us regarding the credit bureau inaccuracies! As you well know, this in fact does violate the FCRA, a federal law! Now ; Ocwen and their counsel will try to convince the CFPB and other agencies that Ocwen never received the dispute letter dated XX/XX/XXXX by means of the United States Parcel Service ( USPS ). As the USPS will state ; all letters and packages given to the USPS have been delivered. As you well know, the USPS is a federal entity and all courts will in fact acknowledge the USPS testimony! Ocwens counsel further stated ; absent proper notice, which is not alleged, Ocwen has not violated any credit reporting duties it has under the FCRA. Ocwens records do not reflect such a dispute. Rebuttal ; proper notice was in fact given when the CFPB dispute was initiated, Ocwen failed to inform their counsel that they received our dispute letter and Ocwen did in fact violate the FCRA per the documentation attached with this complaint! Now ; Ocwens attorney, XXXX XXXX from XXXX XXXX responded to another previous CFPB complaint XXXX on XX/XX/XXXXstating ; in brief, borrower claims that Ocwen failed to report borrowersXX/XX/XXXX and XXXX-XX/XX/XXXX payments. Counsel further stated ; there is no record indicating a dispute letter was ever sent to XXXX or Ocwen regarding this reporting. Rebuttal ; as the attached evidence reflects, XXXX XXXX did in fact send a credit dispute letter to Ocwen which was dated XX/XX/XXXX, 54 days prior to Ocwen counsel response letter. CFPB, please review attached documentation! Counsel further stated ; borrower states in the complaint that he did not send a dispute letter because he should not have to do so! CFPB, please refer to my initial complaint. As you can see, XXXX XXXX stated ; NOTE ; we have not disputed these inaccuracies with the credit bureaus for multiple reasons. 1st, Ocwens website reflects inaccurate information that must be corrected by Ocwen only. The credit bureaus will not address Ocwen website inaccuracies! 2nd, Ocwen failed to report to the credit bureaus due to Ocwen constantly reporting inaccurately or not reporting at all! 3rd, federal and state agencies must be informed of mortgage companies bad business practices. NOW ; does XXXX XXXX initial complaint appear to be what Ocwen counsel stated to the CFPB, a federal agency? How can any law enforcement agency believe what Ocwen states after their past bad business practices? How can any law enforcement agency include the Nevada Bar Association believe Ocwens counsel for stating improper facts? Now ; this is not harassment as Ocwens counsel would want you to believe but rather making sure companies that caused our financial crisis in XXXX-XXXX be required to obey all of our laws! Failure to do so must result in fines, court order, criminal charges filed, loss of business license, incarceration, compensation to homeowner ( s ) for mental and emotional distress! Note : we have already disputed the previous complaints against Ocwen and provided documentation to support our claim ( s ). Now ; we request that Ocwen complies with the following ; 1st, corrects inaccurate information on our credit bureaus immediately. 2nd, corrects inaccurate information on Ocwen Loan Servicing website regarding our mortgage loan. 3rd, we request that Ocwen cease and desist all their bad business practices such as not updating their records to reflect accurate information, reporting accurately or not reporting to the credit bureaus as required by law! 4th, we also request other federal and state agencies to investigate Ocwen Loan Servicing bad business practices and hold Ocwen accountable for their actions!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am filing a complaint on Ocwen Mortgage. On XX/XX/XXXX my ex-husband, husband at the time, and I purchased a home through XXXX XXXX for {$70000.00}. On XX/XX/XXXX we sign paperwork to sale the home with assumption through a lawyer to someone else for {$67000.00}. We asked the attorney at the time if we would still be financially obligated on the home and he stated that this would release us from financial obligations. XX/XX/XXXX, I found this company, Ocwen Loan Services, on my credit report. Since I never heard of the company I thought I would give them a call. I spoke with XXXX XXXX, Agent ID # XXXX, who told me that I was not authorized on the account. When I told her that they were on my credit report which gave me authorization on the account, she asked for some personal information to confirm my identity. She was then able to find my name in there system along with my ex-husband. XXXX XXXX stated that we were still financially responsible for this home/loan. She could not explain to me why we were still on the account, so I requested someone who could. I was then transferred to XXXX XXXX, XXXX ID # XXXX, Escalation Manager. XXXX XXXX researched the paperwork and stated that she did not know if the assumption was completed or not, but she did find the assumption paperwork and did not know what type of assumption it was. I asked XXXX XXXX why my ex-husband and I were still on the account when he nor I had no knowledge of it. I also stated to XXXX XXXX that even if we were still financially obligated, unbeknown to us, our financial obligation would have ended in 30 years, since it was a 30 year mortgage. Therefore I wanted to know why this information was showing up on our credit report after 30 years when it never showed up before now ( Of course when I informed my ex-husband about the account, he had no knowledge of it. He then checked his credit reports and found the Ocwen Loan Services were on his credit reports as well ). Our 30 years would have ended in XX/XX/XXXX according to our initial mortgage note. Therefore why is it showing up after all these years for the first time in XX/XX/XXXX. Since we sold the house with assumption in XX/XX/XXXX according to our paperwork, why is it showing up on our credit report with a balance of over {$43000.00}. We never signed anything other then the Sale with Assumption in XX/XX/XXXX. XXXX XXXX stated she did not know what was going on w this assumption and she would have to send the paperwork to the Loan Department for them to review and they would get back to me. Currently I 'm still waiting. If there is anything we can do to clarify this issue, please let us know. Whenever we talk to the company we always get a different person and end up with the same conclusion, no one knows what 's going on with this assumption and we are not authorized on the account. But we are still financially responsible for this loan according to Ocwen Loan Services.
Company Response:
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen Loan Servicing is attempting to sell XXXX XXXX 's property at foreclosure sale despite the fact that Ocwen has not followed proper loss mitigation procedures. Ocwen has failed to send the Post Foreclosure Referral Notice required by Regulation X, 12 C.F.R. 1024.39 ( b ). Ocwen also failed to make the live contact required by Regulation X, 12 C.F.R. 1024.39 ( a ).
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen Loan Servicing is planning on selling XXXX XXXX 's property at foreclosure sale on XXXX XXXX, 2017. XXXX XXXX 's loan modification review is presently in the appeal stage. It is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) for Ocwen to advance foreclosure while the appeal remains pending.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I bought my home in XXXX from Gmac Since then it has been sold 2 times to home comings and nor XXXX. My husband passed away, the loan is my loan only in my maiden name. Last year I noticed they had my load dated as a sign date of XXXX. I never went or signed a new on this home. I put XXXX down and they basil have me back at where I started. I should be only paying the loan no interest at this point. I asked for original loan document and they sent me a copy of a letter with my married name signed. I never signed unsee my marrieded name and I did not marry until XXXX and they dated it XXXX. I have been late each month to get to talk to someone because calling them Did not work!! I never refinanced I never pulled out any money on load. The goal was to mortgage free. Now I have insurance damage to my home. My insurance has sent me checks for a lot of money. Spoke with Ocwen they said my load had to be up to date. I explained why the late fees. They said it has to be up to date. So I paid all late fees. Went to check my mortgage payment went through with all late fees pain. When I called they tried to say I owe another XXXX in late fee to put my money the money to fix my home that I have pain insurance on with the state farm from the first day I bought home. They also have never sent me a escrow overpay. As of XXXX my escrow has the full amount for my taxes yet they are charging me for it. They also changed the loan payment now Please help They are crocks and my home should not cause this much stress. Name on account is XXXX XXXX Note that they sent has my married signature of XXXX
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-26
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Unable to reach mortgage company to get release of mortgage.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Filed Chapter XXXX XX/XX/XXXX and reaffirmed with Litton ( Now Ocwen ). Made monthly payments from that time until XX/XX/XXXX when my attorney told me to quit paying them due to Ocwen going against the agreement of the reaffirmation. Ocwen held in Contempt of Court several times during this process. Ocwen continues to harass for funds not owed. See attached document showing the Docket Text.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73170
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Despite numerous requests, Ocwen Loan Servicing, LLC keeps failing to substantively respond to the efforts of this firm to assist our client in resolving this matter. In addition to failing to substantively respond, Ocwen issued a short sale denial letter, even though our client never applied for a short sale. This firm 's attempts to resolve this matter have been met with letters from Ocwen Loan Servicing, LLC instructing us to contact a different department within Ocwen. As instructed, our firm has provided letters to the different department, but we continue to be ignored, and the delinquency amount continues to grow while Ocwen fails to properly address this situation. Ocwen has moved forward with scheduling a foreclosure hearing on XXXX XXXX, 2017. Ocwen is holding, in a suspense account, more than {$30000.00} which belongs to our client. Ocwen 's actions and inactions are violations of Federal and State loan servicing standards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A