Date Received: 2017-07-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Re. Ocwen loan No. : XXXX I am behind in mortgage payment for ( 6 ) years I requested several times to Ocwen to help me for modification, and was denied I was treated unfair and Ocwen discriminated me my loan and did not help I offer to keep paying my mortgage ( when in default ) and ocwen did not accepted Ocwen at all times, was acting bad, denying, saying the did not received my information and, not answering my phone calls for the last 5 years I recently contacted Ocwen ( XX/XX/XXXX ) becasue they are selling my house on XX/XX/XXXX and the person from Ocwen was short in telling " sorry I can not help, look for other options ''
Company Response:
State: CA
Zip: 90715
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen sent a short-sale agreement since the home is worth less than the total amounts due on the mortgage. We have complied with all of their requests and they still refuse to approve the final HUD documents approval and allow the title/escrow company to fund the loan payoff. The buyer has had their funds in escrow to comply with the short-sale closing date and Ocwen has prolonged the closing for weeks with no explanation other than " it is under review in underwriting. ''
Company Response:
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: When trying to obtain a loan modification after filing bankruptcy XX/2016, Ocwen has failed to comply with the bankruptcy courts to confirm the amount owed on the loan to be able to confirm my repayment plan to the Trustee as well as my numerous attempts to obtain the proper paperwork to have them assist me in a successful loan modification. I have also requested regular monthly statements to be mailed to me and these also have not been successful.
Company Response:
State: CA
Zip: 95118
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had residential mortgage loan with Ocwen Loan Servicing, LLC, Loan No. XXXX. The Loan has been paid off as of XXXX 2016. All payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in XXXX 2016, for unknown reason, Ocwen returned one payment, even though it was the same as every prior payment on the loan. Ocwen then started charging late fees, and applying subsequent payments to that payment. Upon learning such and speaking to Ocwen representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges. Ocwen, however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan. I spoke with Ocwen customer service 2 weeks ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week. After years of similar payments by my bank, Ocwen acted capriciously in rejecting my timely payment. Ocwen once did acknowledge the error and removed the late charges. Ocwen, however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my reports ( XXXX XXXX XXXX ) and my wife 's reports ( XXXX XXXX XXXX ). Ocwen needs to remove adverse reporting on my credit on on my wife 's credit.
Company Response:
State: FL
Zip: 33410
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is an ongoing complaint which is almost correct. Below is the information pertaining to the last outstanding issue I have which I can prove is incorrect. OCWEN Loan Servicing is still standing behind the claim that I did n't pay on-time for the month of XXXX 2014. Please see the attached XXXX XXXX document which proves the payment was made to OCWEN Loan Servicing account on XXXX XXXX 2014 ; but the payment was n't acknowledged until XXXX XXXX 2014. This issue resides purely on OCWEN Loan Servicing methods of servicing. After several attempts to get OCWEN Loan Servicing to accept the documentation and update my credit report they 've refused and assured me that all reporting was correct ... we now know several errors were made. Additionally, I would like to know what assurance do I have that this type of issue does n't come up again because frankly, I 'm ticked off and forgiveness is n't on the radar. THE HIGHLIGHTED INFORMATION ON THE DOCUMENT PROVES WHEN THE PAYMENT WAS MADE VIA ONE OF THE OPTIONS GIVEN BY OCWEN LOAN SERVICING. OCWEN LOAN SERVICING CLAIM Our records indicate after the credit correction was completed, only the XXXX XXXX, 2014, monthly contractual payment was reported as delinquent, as it was not received by Ocwen until XXXX XXXX, 2014. Ocwen is obligated to report the account accurately to the credit bureaus, based on the contractual due date. Further, if payments are not received within the month due, then the account would be reported as delinquent. As the XXXX XXXX, 2014, monthly contractual payment was not received in the month due, Ocwens records indicate that the credit reporting correctly reflected the account as delinquent. As such, this credit reporting is valid. Included in your correspondence you advised the account should be reported as modified. While the Assumption and Assignment Agreement advised the property will transfer to you as modified, it does not outline that credit will be reported as a modified status. Section 4, Consent to Transfer, of the Assumption and Assignment Agreement, advises lender herby consents to the transfer of the property described in the Loan Documents, as modified, and waives its right to accelerate the entire unpaid balance of the Promissory Note.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I complained about Ocwen Servicing harassing phone calls. Once I submitted a claim with the Attorney they began Foreclosure proceedings on my home. I believe I should be protected under the Whistleblowers Act.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I requested a HAMP loan modification inXX/XX/XXXX. Ocwen Loan Servicing just responded that they will not modify the loan because it was included in a Chapter XXXX discharge. I am willing to assume the loan, so this answer does not seem correct. Ocwen also said that they need a complete Family Transfer Package. I sent them a completed family transfer package in XX/XX/XXXX, and they acknowledged receiving it.
Company Response:
State: LA
Zip: 70817
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-22
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My mortgage company, XXXX XXXX, won my home at auction with XXXX on XXXX XXXX, 2017 that XXXX XXXX XXXX listed on behalf of XXXX XXXX XXXX XXXX XXXX. All Documentation was completed and returned to XXXX XXXX XXXX XXXX as requested completed and signed on XXXX XXXX, 2017 at XXXX XXXX PDT. The Affiliated Business Arrangement Disclosure Statement was signed by the listing broker, XXXX XXXX XXXX XXXX signed on XXXX XXXX, 2017 at XXXX XXXX PDT and the seller Ocwen Loan Servicing, LLC Regional Sales Manager signed it on XXXX XXXX, 2017 at XXXX XXXX PDT. I believed everything was completed in accordance to the law, how ever I was notified on XXXX XXXX, 2017 that listing broker, XXXX XXXX XXXX XXXX agent for my mortgage companys other transactions wanted to interpret the contractual law herself and is now hindering my lawful access to my residence while the keys were already given to me. I feel that I am being discriminated against because my ethnicity and is and will try anything to hinder my lawful dwelling in my new residence. They are violating florida statute XXXX and all applicable florida real estate laws that are part of title 33 chapter 494 of the florida statutes. You can feel free to contact XXXX XXXX He was the person managing the purchase. They are also committing securities fraud seeing how they are hindering funds that have been assigned to a fund that is part of a mutual fund. Please help resolve this matter.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX We started falling behind on our mortgage in XXXX. My husband had his own flooring installation business for years and had been doing well, but the income was unsteady. We had bought a pickup truck for the business and personal use and we were leasing a Minivan for my XXXX XXXX and personal use. We had to give both of them back because we could n't afford them, but then had to turn around and buy used Minivan for my business, and a new work van for my husband. The monthly payment went down half, but the XXXX XXXX was always changing so you might not have a full XXXX all the time and my husbands business was not paying enough after costs. No matter what we did we could n't get ahead. We contacted our Servicing company, Ocwen. All we wanted to do is put the amount we were behind put on the back end of the mortgage to start fresh. Ocwen was asking for the same documents over and over again, Pay stubs, profit and loss from our XXXX XXXX, taxes from the last three years, bank statements from last 6 months. They kept coming back and telling us that things were unreadable, or illegible. We started snail mailing the papers because it was getting ridiculous. Then by the time we got everything in and they decided to look at the paperwork, the process had " expired ''. So we would have to start the process over again from the very beginning, including the application and re sending the papers that we had JUST sent them!!!! Because why? Didnt they just get them? Had things changed over a few days? This is still going on today, we are just starting the fourth attempt to get help. We were communicating with our 2nd mortgage holder as well. They were being as helpful as ever, at least we think so. They told us the only way to save our house at that point was to file for bankruptcy under chapter XXXX. That would wipe out the 2nd mortgage and free us from that monthly bill. We found a local lawyer who practices bankruptcy law. He charged us several thousand dollars to file the case and it was pretty much done. Things were going well. Bills were getting paid, except for the mortgage. We contacted ocwen again to tell them we were unable to pay the bill for an unknown amount of time and if there was anything they could do, like defer the payments a few months. The woman on the phone, I wish I had written her name down at the time, told us we did not have to pay the mortgage because we were protected under the bankruptcy, and our payments were not going to the mortgage anyway, they were going to an escrow account. She told us to keep the money and .they may or may not be asking for it when the time is right. We were saving as much of it as possible. We have XXXX little girls and XXXX cars in rough shape and having difficulty. We had lots of personal and social issues with our children we had to take care of, so the money didnt always go where it should have, but instead, where it was needed. We were told after a while by our attorney that we should have been making payments and should start as soon as possible. And so we started paying what we could to stave off any attempt to take our house. We were paying in small increments, XXXX here XXXX there. XXXX was taking extra side work to help out as much as he could and I had as many children as she could have legally. We were refinancing our house for four years with Ocwen and not getting anywhere. We were making full payments for XXXX and XXXX. Ocwen had hired a lawyer firm to help get relief from stay. Our attorney informed us of this and asked what steps we were taking to stop it. We told him in an email that we were in fact talking to ocwen and trying to refinance as well as making full payments. Apparently he didnt think we were doing enough because he didnt even represent us in court. We didnt find out until we received a letter in the mail saying that the relief of stay was granted. We were devastated! How could they even ask for the relief if we were in the middle of a refinance and were talking with them. We were also making payments, which we found out they were not accepting them anymore when we had our XXXX payment returned to us, as well as XXXX payment. We didnt know about any ability to appeal until we spoke to another attorney about it. At that point it was too late. Apparently you only have 14 days to appeal. We just want a fair shake at saving our house and it seems like Ocwen is dropping the ball and letting/helping us fail. Sincerely,
Company Response:
State: MA
Zip: 01701
Submitted Via: Web
Date Sent: 2017-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: CFPB COMPLAINT XXXX XXXX XXXX XX/XX/XXXX This is regarding my residential Mortgage Management company for XXXX XXXX XXXX XXXX XXXX AZ XXXX. This loan was originated in XX/XX/XXXX by GMAC and transferred to them ( Ocwen Loan Servicing LLC ) a non bank mortgage servicer in XX/XX/XXXX Ocwen Loan Servicing LLC consistently refused to talk to me about lowering finance rate of 7 % FOR 9 YEARS.. They have a history of charging improper tax fees ; mishandling client mortgage payments and collections foreclosures. I was left out of XX/XX/XXXX major lawsuit, allowing customers to fix these problems due to lack of proper settlement notice. I now have 10 years of widespread errors, shortcuts, and runarounds. I urgently need to get my over charged interest rate lowered from 7 % to 4 % and I wish to have at least {$20000.00} of the {$62000.00} interest over paid, converted to the remaining principal of {$56000.00} as my settlement. This would be fair since I was left out in XXXX and reduce would my loan to {$36000.00} on an aging XXXX Double wide trailer home in a rural XXXX XXXX Arizona community near XXXX. Ocwen Loan Servicing LLC is currently under for investigation for THESE same types of problems addressed by the XX/XX/XXXX LEGAL SETTLEMENT, in a current XX/XX/XXXX lawsuit. I am a XXXX senior citizen on a fixed income, left out of this XXXX LEGAL SETTLEMENT. It is imperative that I receive CFPB DIRECT assistance in helping me deal with this. This is not a mortgage company. Ocwen Loan Servicing LLC is only a collections company, damaging good loans paid on time like mine. My XXXX XXXX XXXX loan was originated in a XXXX real estate bubble with GMAC acting as a Low Interest Loan rural provider. My Residential Home loan was transferred to OCWEN LOAN SERVICING LLC, without my consent or approval. OCWEN LOAN SERVICING. LLC, has recently contacted me urging me to refinance my loan with a Texas Mortgage company, the typical pre-foreclosure maneuver, obviously trying to get me off their books. Their failing Management Software operating under a separate Company, XXXX XXXX XXXX, will scramble my payment history of on time monthly payment like many others and may ruin my credit I have asked them for assistance in lowering my HIGH 7 % interest rate but I am very fearful of their practices, as documented fact in the XX/XX/XXXXSettlement. When a person with a Residential Loan asks for OCWEN help, OCWEN/XXXX were found guilty of Data Base records losses and sudden swift foreclosing on many Residential home loans. Summary : The companies that I speak of are OCWEN LOAN SERVICING. LLC -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. -XXXX XXXX XXXX ( XXXX ), Delaware based Ocwen LLC Forclosure manager -OMS Ocwen Mortgage Services Business Location : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX USVI Established
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2017-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A