Date Received: 2017-07-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The home is on the market and we have a valid and current offer that is acceptable to the investor or so we have been told by the Ocwen. The Seller is a separated woman who in the separation agreement was awarded the home and the Husband Deeded the property the Wife. The Wife has a Protective Order against the Husband for XXXX. He is no longer on title to the property and is not required by NC State law to sign any paperwork pertaining to the sale of the home. Ocwen is holding up the approval of the short sale indicating that the Husband has to sign the Offer to Purchase and they want him on the HUD1 settlement. We are about to lose the one and only buyer on the house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2017-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have already filed a complaint, however, it was something still nagging at me that I believe I forgot to mention. Here is info for previous complaint that I 'm adding to. Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Mortgage As Ocwen had stated that I had check returns, never ever have I wrote a check to them that was returned. Also, I notice that they at times did not submit entire amount of payments in statements. I have NEVER made a partial payment, also a few times I noticed that they stated payments had been reversed. Never has that happened. Just want to add/be acknowledged in my original complaint. XXXX XXXX XXXX
Company Response:
State: UT
Zip: 84414
Submitted Via: Web
Date Sent: 2017-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: THIS IS NOT, NOT, NOT A DUPLICATE, BECAUSE THEY HAVE NOT ANSWERED ANY OF THE QUESTIONS. A date for sale is schedule for XXXX XXXX, 2017, and they are playing games with us. The questions listed below are still going unanswered. The sale must be stopped until these questions are answered. Ocwen loan servicing and XXXX, are both saying they do not have the original note, but they have not given us any proof that they have it. They lied to the court by stating that they had it to get the final judgement without properly notifying us and this is why we are asking these specific questions. 1. We are asking for any original documents that show who received the payment for the insurance on the mortgage, because it was not the XXXX estate, nor his beneficiaries. Where is our receipt from the original sale. WHO deposited the note? 2. where is the paperwork that shows that XXXX gave consent to have the funds donated to the alleged owner of the note. 3.Does the Clerk of XXXX County in XXXX have a license to sell this property, and if so can we have a copy of it? 4. Who are the investors that recieved payments on this loan, and what role does XXXX have in this mortgage? 5. We want to know who have any interest in this property higher than ours, the beneficiaries? 6. The reprinted copies we already have, so who has the right to reassignment of this loan if not OCWEN LOAN SERVICING INC? 7. IF Ocwen and XXXX have no interest then can the real party of interest identify themselves so we can communicate with them? Below see the previous complaints, Thank you in advance for you help in this matter. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Previous Request for production of information : 1.The original BLUE INK promissory note, front and back, associated with the Loan 2. Any allonge, front and back, affixed to the Borrowers promissory note for indorsements 3. All bookkeeping journal entries associated with the Loan 4. The deed of trust associated with the Loan 5. The insurance policy on Borrowers promissory note associated with the Loan 6. The Call Reports for the period covering the Loan 7. The deposit slip for the deposit of the Borrowers promissory note associated with the Loan 8. The order authorizing the withdrawal of funds from Borrowers promissory note deposit account 9. The account number from which the money came to fund the check given to the Borrower 10. Verification that Borrowers promissory note was a gift to the Lender from the Borrower 11. The name and address of the current holder of the Borrowers promissory note 12. The name and address of the Lenders CPA and Auditor for the period covering We are further requesting the following documents from you and your alleged parties of interest and you are hereby give an additional 10 days to reply to these demands. 1 ) form XXXX registration statement 2 ) form XXXX ( b ) ( 5 ) prospectus ( for the SEC ) 3 ) form FR XXXX balance sheets 4 ) form FR XXXX balance sheets 5 ) form FR XXXX balance sheets 6 ) Profits from stock market, trading your instruments?
Company Response:
State: FL
Zip: 34654
Submitted Via: Web
Date Sent: 2017-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Dear CFPB, I am submitting a complaint to you regarding my loand with OCWEN Loan Servicing. OCWEN acquired my loan in XX/XX/XXXX. As is often the case, mortgage companies transfer loans to other companies without customer knowledge until after the acquisition. I had no idea then how bad it could get with this company. OCWEN has a very poor performance of payment processing and then charges customers excessive additional late fees. There are unexplained charges on my account, totaling over {$3700.00}. Every three months or so they charged for title report fees and property inspection fees and title searches and property valuation expenses with no explanations. These fees are unnecessary and I have been overcharged. OCWENs deficient management systems have caused me substantial financial harm, and as my attorney advised me, violated consumer regulations. OCWEN must refund these charges. Along with the padded charges, my over arching problem lies in the Shared Appreciation Modification I have with OCWEN. Their inability to accurately monitor the Ocwen SAM program caused them to send confusing and misleading escrow statements. Ocwen did not have any procedures in place to detect escrow statements that contained SAM accounting entries. I have made timely monthly payments for the entire duration of the SAM, established in XX/XX/XXXX, except for a setback six months into the agreement. Those missed payments were all repaid soon after, and to this day I have remained current. I am requesting a release of liability from my SAM with OCWEN. This is my story. As I stated earlier, my relationship with OCWEN began in XX/XX/XXXX. Due to medical XXXX, I suffered loss of income for an extended period of time, and consequently fell behind in monthly mortgage payments by a few months. OCWEN sent letters threatening foreclosure. When I spoke with them to work out a resolution to avoid foreclosure, they advised me to enter into a Shared Appreciation Modification. On XX/XX/XXXX, I paid all outstanding payments and then signed the SAM contract. OCWEN lowered my balance from {$210000.00} to {$130000.00} with a Shared Waive Adjustment of {$91000.00}. My attorney has since advised that the SAM contract is vague and missing legal consumer protection clauses, probably making the contract illegal. Six months into the modification I fell behind due to continued medical issues with XXXX XXXX in my neck. By XX/XX/XXXX I was able to repay all outstanding payments and get back on track. I have paid on time every month since then and I am current with payments. I was never notified by OCWEN that my SAM had been cancelled. Last year, XXXX of XXXX, my circumstances became such that I needed to sell my property. I contacted OCWEN to inquire about my balance due. Phone communication with OCWEN is difficult at best with long wait time on hold only to speak with customer service representatives who are from XXXX. They can not be understood with thick accents and inability to comprehend the issues. Phone conversations would become repetitive and then I would be transferred to another, and then another. Instead of resolution and explanation, reps would read aloud, over and over again, the very same words I was seeing on my computer screen from the website as I was talking with them. That said, and after days and days, hours and hours of plowing through broken communication, I was able to speak to an OCWEN representative who absolutely confirmed that the Regular Principal Balance listed on my monthly statement was, in fact, correct. He adamantly stated that the only principal I was responsible to pay off was the interest-bearing portion of my principal, and that {$91000.00} had been waived. I asked him to check and recheck, and he confirmed. So, based on that, I borrowed funds and took personal funds to fix up my house so that I could sell it for as much as possible. The house went on the market in XX/XX/XXXX. By the end of XXXX I had interested buyers. I requested a Payoff Quote from OCWEN. What a shock - the representative had misled me. The payoff included the waived balance of {$91000.00}, even though he had reported to me that it had been waived. Upon questioning OCWEN as to the discrepancy, I was assigned a Relationship Manager. The RM agreed that I had been given false and incomplete information, and yet took no responsibility. Obviously I could not sell because this immediately put me underwater, plus the money I borrowed and invested to get the house ready for sale. I took the house off the market. The {$91000.00} Waived Balance is extraordinarily high, and the house will never be worth the amount OCWEN is demanding for payoff. How is the Shared Waived Adjustment amount calculated? In all my research I can find nothing to explain that. The current market value of the house is {$170000.00}. My principal balance including the waived balance is {$210000.00}. I have been damaged severely by OCWENs actions to date, and I can not see any way out. Taking a hard look at my situation before entering into the SAM compared to my current financial picture with OCWEN, I have made near to no progress in paying down the loan. It is inconceivable to me that before I signed into the SAM on XX/XX/XXXX, my principal balance with OCWEN was {$210000.00}. Now, after four years ( 52 months ) of making payments on time, except for one instance a few months into the SAM, my principal balance is still {$200000.00}. It makes absolutely NO sense that after paying OCWEN over {$52000.00} over the past 4 years, my current principal balance is only reduced {$3400.00}! The many recent lawsuits against OCWEN clearly state that the company was not to do this kind of action any longer, but they continue to be the Winner and the consumer continues to be the Loser. OCWEN is penalizing me {$91000.00} for one incident of a few late payments, placing me in an untenable position. I request that OCWEN credit my account for the many unnecessary fees and charges, and waive the SAM adjustment.
Company Response:
State: ME
Zip: 042XX
Submitted Via: Web
Date Sent: 2017-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We had a mortgage loan with XXXX XXXX, fought for nearly 4 years ( serious stress! scandalous ways of this bank are too many to mention! ) Finally received the loan modification and made our trial payments and were accepted with final documentation. First loan payment at the new rate was to be XX/XX/XXXX. Than they did what they do best! They sold our loan to a new servicer XX/XX/XXXX. Meaning the first payment of our new loan modification was XX/XX/XXXX at the new rate. My husband not wanting this payment late sent the first payment to the prior Servicer of XXXX via XXXX to ensure it arrived asap that day. I was not happy, but thought no big deal that will be shown on our account and transferred with all our docs to the New Servicer, Ocwen Loan Servicing. I called within hours of that payment being made only to be told that XXXX received and accepted the payment, nothing more XXXX XXXX could do at this point. I called XXXX, they refused to speak to me as the loan is now in Ocwen 's hands. I called Ocwen, since this is a new loan in can take 20-30 business days for all documents to be transferred to the new servicer. They said, no problem it should post soon and we 'd be fine. They also confirmed that we 'd be fine with the loan modification docs. Come the middle of XX/XX/XXXX after many calls to check in they still did n't have our loan mod docs and we were getting calls asking for our monthly payment and foreclosure notices. I have over the last 4 years and 8 months spoke with well over 100 people, alot of them from XXXX that did nothing for me but get me so angry I could n't speak by the time I got off the phone. Hundreds of WASTED hours of talking to people, faxing documents, emailing and asking for my payment status, finally only until this year told I can talk to a supervisor after asking for years for my calls to be escalated to no avail! Then run around and around with so called 'research requests ' only to be told no payment here we sent it to you. Many confirmations via phone and documentation from XXXX XXXX that the $ was cashed and they have nothing to do with this until Ocwen initiates the transfer of money back to us. Ocwen says they sent it but never has provided any details, was it a check, what check #, was it cashed? when was it sent, was it XXXX XXXX? When was it sent, etc. NOTHING. Finally in XX/XX/XXXX got an escalation mgr to finally get our money they claimed they never had to be sent to XXXX XXXX back to us in XX/XX/XXXX. BUT, they refuse to admit ( and said so in writing ) that XXXX had it the whole time and they will not reverse the negative reporting, or give back the fees/costs or do anything more. If XXXX had it the whole time why did they give it back??? Got ahold of the Ombudsmen and it 's again being worked on someone who says they will get to the bottom of this and get back to me by XX/XX/XXXX. I WILL file suit, to get some recourse - if this sounds familiar and you want to contact me in regards to a class action I 'd be interesting in chatting, II know we are not the only ones dealing with this. They also have kept my unapplied funds over the last 4+ years when they were to return after 90 days and then decided once we paid the money they sent back to us that they would take all my unapplied funds and conveniently pay off all the illegal and invalid fees and costs they 've been charging to our account for years! I 'm over giving them chances and should have sued years ago! DO NOT GET YOUR MORTGAGE WITH OCWEN!!! They are horrible and the worst to deal with - very uneducated in the industry and unable to answer a question without having to read from their scripts that give you nothing!!!
Company Response:
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2017-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen Complaint * CFPB Complaint XXXX * On XX/XX/XXXXMy Mortgage was modified with XXXX XXXX XXXX ( XXXX ), We made three pre-modifcation payments of {$2800.00} each ( Escrow of {$740.00} ). We continued to make payments per the Modification agreement and were not notified by XXXX of any change to escrow. In XXXX of XX/XX/XXXXthe Mortgage was sold off and a new service Ocwen took over. On or about XXXX of XXXX we started receiving calls from Ocwen that our mortgage was in arrears some calls stated we owed {$800.00} more some {$1600.00}. Each call was different but the calls seemed to note an issue with escrow, further the monthly statements confused things even more because they contradicted the calls showing that we were paying the original agreed amount. We spoke to XXXX id XXXX she said to pay {$1600.00} and everything would be ok, we did. Then we received another call from XXXX ( id XXXX ) stating we need to now pay another {$800.00}. We asked why we needed to pay these amounts as the Town reported we were current. * After several more confusing conversations we requested orally that we be able to pay our own escrow because we had spoken with the Town and there was no shortage. We spoke to XXXX in XX/XX/XXXX and she stated that that would be ok but we need to send in a written letter which we did. At this point we started to get changes in our statements for amounts to pay. During XX/XX/XXXX and after discussing it with Ocwen representatives, we started paying escrow directly to the Town and later to the home insurance company XXXX. Sometime during mid XX/XX/XXXX we were told that we could not pay escrow directly and that our mortgage was in arrears over $ 12k. We were under bankruptcy protection for another issue ( but continued to make payments ) and continued to receive statements noting arrears. * We had continuing calls with Ocwen stating that we had made all principal and interest payments to them and RE payments to the Town and starting XX/XX/XXXXpayments to XXXX for insurance. We can show bank statements with all payments made but they continued to say we were in arrears to further confuse the issue, Ocwen sent payments to escrow recipients ( Town of XXXX for tax and XXXX for insurance ) which then were returned back to Ocwen. Frustrated, we hired the XXXX XXXX XXXX XXXX XXXX XXXX to assist. We sent in bank records statements from the Town and correspondence from XXXX all noting our continued payments. Ocwen attorney XXXX XXXX from XXXX XXXX XXXX ( XXXX ) still refuses to settle the issue even though the documents they send to use conflict, a summary from Attorney XXXX noted the arrears as {$21000.00} but the statement as of XX/XX/XXXXnotes {$27000.00} and shows a favorable escrow balance of {$7900.00}. * * It appears to me that the accounting system is not fully integrated accruing escrow based on estimates and not accounting for actual payments either to them or the Town/Ins. company for a total picture of what is due. In addition as of XXXX their website shows us as having paid in extra escrow ( {$7300.00} ) and only owing a small payment of {$540.00}. The website also reflects an incorrect Maturity Date of XX/XX/XXXX when the modification dated XX/XX/XXXX from XXXX XXXX XXXX states a maturity date of XX/XX/XXXX. Additionally, Ocwen has sent documents to our address with other mortgagees information. Further, on XXXX Ocwen returned our payment of {$3000.00}. I called customer service and spoke to XXXX Id : XXXX, while she seemed helpful she stated that Ocwen would only accept full arrears payment of approximately {$28000.00}. I explained to her that we have shown the Ocwen attorney - XXXX with bank statements and Town escrow history and insurance history that we do not owe nor have we ever owed that amount. Finally they have been negatively reporting on our credit which is causing denials of credit for both me and my wife. We are looking for any and all help with resolving this issue. Files are to large to upload but when requested we can send Ocwen 's XX/XX/XXXX claim for arrears and our offsets/payment that show now unfavorable balance is due. Also the original modification showing the payments and escrow that was to be paid per the original terms but then changed by Ocwen. All documents have been sent to Ocwen attorney XXXX.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2017-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying for years to get a modification on my mortgage. Ocwen approved it for about XXXX and my income is only XXXX. This was ridiculous and XXXX. I tried again they told me I didn't make enough money and denied the modification. I decided to sell the house thru a short sale. I got a few offers and sent the best one in. I've never heard from any one at Owen accept for a letter in reference to that offer and nothing so they were taking sooo the buyers walked and another offer was sent. I called for several days and got nowhere. Someone finally answered and told me that they will get in touch with the person assigned to the account. The same day XXXX XXXX emailed stating he was waiting on my realtor to reply about the first offer. He was advised they walked and there is another offer. I asked what was needed so that I could make sure my realtor sent the info to him asap. I emailed to let him know my realtor was out of town returning the following week and I will make sure he get the missing information to move the process along. He was advised the current buyers are waiting for an approval. All this happened on XX/XX/XXXX. So then I receivef a letter stating that I canceled the short sale. I ABSOLUTELY DID NOT CANEL THE SHORT SALE. I DID NOT SPEAK WITH ANYONE OR SEND IT IN WRITING THAT I DIDN'T WANT TO CONTINUE WITH THE SHORT SALE.. THESE PEOPLE ARE LIARS. I WANT A COPY OF THE PHONE CALLS WHERE I HAD A CONVERSATION SAYING THAT..I WANT A COPY OF WRITTEN REQUEST STATING THAT. They have reported my house was in foreclosure when it wasn't. I've requested documentation for the denial of the modification. I have requested several times to speak with someone whose 1st language is English and was refused EVERY SINGLE TIME. I'M looking for results and to date I have been given the run around. Please help me. I am not you to stop this time and if I have to get an attorney I will. I tired of the abuse from their reprentatives and XXXX XXXX and XXXX. And this is just the minimum of what has happened. Below is a copy of the email with the agent. I also called him with no response before I sent this complaint. I DON'T KNOW WHAT TO DO. I HAVE PUT 1000 PERCENT IN THIS MATTER. **************************************** Hello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent. I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer. Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer. Thanks XXXX XXXX. XXXX | Loss Mitigation, Negotiator Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX XXXX | XXXX, Texas XXXX P: XXXX XXXX | F: XXXX XXXX Email: XXXX | XXXX ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ******************************************************************************************** OMG yes XXXX, I don't know why she didn't respond to you for something simple as that. Please review the the last offer sent you all because this has been a nightmare. I want to sell the property. How can we get this moving forward without interruption? Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru. I thought we would have closed and they would been paid by now. Please help XXXX. Hide quoted text On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote: Hello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent. I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer. Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer. Thanks XXXX XXXX. XXXX | Loss Mitigation, Negotiator Ocwen Loan Servicing, LLC XXXX XXXX. XXXX XXXX XXXX | XXXX, Texas XXXX P: XXXX XXXX | F: XXXX XXXX Email: XXXX | XXXX ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ******************************************************************************************** Ok I will make sure you get the info. She is on vacation until Monday but I will email her right now and text her. As far as the HOA, they responded back and they are waiting on the approval from you all. I'm just hoping the buyers don't walk again. Thank you. I will follow up with you on Tuesday to make sure everything is received. Thank you for getting back with me. I appreciate it. Hide quoted text XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote: Hello- I have emailed your realtor for the docs that we need at this time. We need Proof of funds from the buyer HUD License from both buyers and sellers agents. In regards to the HOA , there is nothing we can do about that at this time. XXXX From: XXXX XXXXl [XXXX] Sent: Wednesday, XX/XX/XXXX XXXX XXXX To: XXXX, XXXX XXXX Subject: Re: XXXX XXXX OMG yes XXXX, I don't know why she didn't respond to you for something simple as that. Please review the the last offer sent you all because this has been a nightmare. I want to sell the property. How can we get this moving forward without interruption? Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru. I thought we would have closed and they would been paid by now. Please help XXXX. On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote: Hello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent. I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer. Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer. Thanks XXXX XXXX. XXXX | Loss Mitigation, Negotiator Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX XXXX | XXXX, Texas XXXX P: XXXX XXXX | F: XXXX XXXX Email: XXXX | XXXX ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ******************************************************************************************** ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ******************************************************************************************** Hi XXXX did you ever receive the missing information? Show quoted text Hello XXXX, I am confused about a letter I received about the short sale denial. Why would y'all say that I withdrew the application as I have never had a conversation with ANYONE ABOUT WITHDRAWING YOU ALL ARE LYING ABOUT ME. I AM WAITING ON AN APPROVAL FOR THE OFFER THAT WAS SUBMITTED. I WOULD LIKE A REDPONSE about the offer. I never never never withdrew the short sale. Hide quoted text On XX/XX/XXXX XXXX XXXX, "XXXX XXXX" wrote: Hi XXXX did you ever receive the missing information? On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote: Ok thanks XXXX From: XXXX XXXX [XXXX] Sent: Wednesday, XX/XX/XXXX XXXX XXXX To: XXXX, XXXX XXXX Subject: RE: XXXX XXXX Ok I will make sure you get the info. She is on vacation until Monday but I will email her right now and text her. As far as the HOA, they responded back and they are waiting on the approval from you all. I'm just hoping the buyers don't walk again. Thank you. I will follow up with you on Tuesday to make sure everything is received. Thank you for getting back with me. I appreciate it. On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote: Hello- I have emailed your realtor for the docs that we need at this time. We need Proof of funds from the buyer HUD License from both buyers and sellers agents. In regards to the HOA , there is nothing we can do about that at this time. XXXX From: XXXX XXXX [XXXX] Sent: Wednesday, XX/XX/XXXX XXXX XXXX To: XXXX, XXXX XXXX Subject: Re: XXXX XXXX OMG yes XXXX, I don't know why she didn't respond to you for something simple as that. Please review the the last offer sent you all because this has been a nightmare. I want to sell the property. How can we get this moving forward without interruption? Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru. I thought we would have closed and they would been paid by now. Please help XXXX. On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote: Hello= I am the agent working the short sale on this file. I have been communicating through equator with your agent. I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer. Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer. Thanks XXXX XXXX. XXXX | Loss Mitigation, Negotiator Ocwen Loan Servicing, LLC XXXX XXXX. XXXX XXXX XXXX | XXXX, Texas XXXX P: XXXX XXXX | F: XXXX XXXX Email: XXXX | XXXX ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ******************************************************************************************** ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ******************************************************************************************** ******************************************************************************************** This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof ********************************************************************************************
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2017-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX Ocwen Loan Servicing LLC allegedly purchased the mortgage from the GMAC bankruptcy. The mortgage is recorded in the name of a non-existent XXXX XXXX XXXX XXXX XXXX. ( XXXX ) The Note or underlying debt necessary to enforce the mortgage is believed to be lost or destroyed. Ocwen has refused to reveal the identity of the person ( s ) they are servicing the loan on behalf or where payments on the loan, a payoff or a settlement of claims would be paid. Ocwen filed ( a now dismissed ) foreclosure Complaint in the name of the fake XXXX knowing that it did not exist. It is believed that the loan was paid off as part of the T.A.R.P. and was part of one of the XXXX XXXX XXXX. Ocwen has racked up thousands of fake forced placed insurance fees and escrow claims on behalf of a non-existent client. The property in question is a family farm and is part of a bankruptcy estate. Regardless, Ocwen continued to send escrow and Forced Placed Insurance bills for collection. Owen avoided having to reveal the identity of it 's " client '' during the bankruptcy by not filing a proof of claim, relying on it void mortgage lien to the non-existent XXXX.
Company Response:
State: KY
Zip: 40515
Submitted Via: Web
Date Sent: 2017-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-20
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We paid off our mortgage on XXXX XXXX, 2017 and the loan servicing company, Ocwen, has not yet send the Satisfaction document to our XXXX XXXX County Register of Deeds to comply with state requirements for lien release/satisfaction. It has been over 3 months since we wired the payoff funds. North Carolina has statute 45-36.9 that states ( see attached ) : 45-36.9. Secured creditor to submit satisfaction or release for recording ; liability for failure. ( a ) A secured creditor shall submit for recording a satisfaction of a security instrument within 30 days after the creditor receives full payment or performance of the secured obligation. ( c ) A secured creditor that is required to submit a satisfaction of a security instrument or a release for recording pursuant to this section and does not do so by the end of the period specified in subsection ( a ) or ( a1 ) of this section is also liable to the landowner for XXXX XXXX dollars ( {$1000.00} ) and any reasonable attorneys ' fees and court costs incurred. We discussed this situation with an Ocwen 'escalation relationship manager ' on XXXX XXXX, 2017. He checked with the 'lien review department team ' and found a XXXX XXXX, 2017 e-mail stating 'data was missing ', thus preventing completion of the Satisfaction document. He said he would research and reply in 3 to 5 business days. However, we have little confidence that Ocwen will quickly or properly resolve this situation. We do have a XXXX XXXX, 2017 letter from Ocwen stating that they received the payoff funds XXXX XXXX, 2017 and that these funds satisfy the loan in full. The mortgage was originally with XXXX XXXX, who transferred that line of business to Ocwen Loan Servicing - a huge disservice to us - have had several problems dealing with this company.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX, I made a complaint against Ocwen Loan Servicing regarding they 're servicing of my loan. There was no resolution to the problem. I hired a lawyer ( {$6000.00} ) in XXXX that said I had a strong case against Ocwen and agreed to sue Ocwen on my behalf. In the end for {$6000.00} the only thing he 'd done was to stop the sale of the house temporarily and get another loan modification. Which after the modification trial period wanted me to agree to a {$30000.00} FHA loan and agree not to sue Ocwen. I did not agree. Ocwen kept me in a state of foreclosure since XXXX. Every month in XXXX I kept recieving delinquency notices. I called Ocwen to make sure the money was being received and was told yes it was being recieved. Then in XX/XX/XXXX, I was told I was so for delinquent they would n't take payments any longer. That 's when I contacted CFPB. There was no resolve to the problem at that time and that 's when I hired XXXX XXXX. In XXXX after I 'd not accepted the offer for the modification my home went back on the court docket for sale. I then hired another lawyer, XXXX XXXX, bankrupcy lawyer, to avoid the sale of my house. I am currently under a chapter XXXX bankrupcy in order to save my house. After years of trying to get information regarding what I actually owe on my home I still do n't have any clear document stating what is owed or what all the fees and fines are for and monthly late fees. Nothing! I have entered into this bankrupcy just to save my home. I have spent {$10000.00} to save my home and Ocwen has not been held accountable for any of what they 're responsible for.
Company Response:
State: OH
Zip: 44646
Submitted Via: Web
Date Sent: 2017-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A