Date Received: 2017-07-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have several concerns with this preditoral company. the first thing is that this company adjusted my escrow amount and i was never notified concerning that. I had been paying my original amount for mortgage and didnt know that the escrow had increased which caused my payment to increase. Once receiving a copy of my credit report i saw i was being reported late by Ocwen. To find out what they were doing was taking what i was paying holding part and applying the rest to the escrow difference so it looks like that i am not paying my mortgage on time. I tried to do a VA re-finance last month and they had reported me late and i wasnt late so the finance company pulled out. I paid my mortgage on XXXX / XXXX / 17 and they said I paid it XXXX /17/ I have the receipt from when i paid this. This company is thief. I need help in this matter. I even asked them since i never knew that the escrow switched before hand wont you just apply the escrow difference to the end of the loan. They keep saying we need to talk with the loan investor. Never got and answer. All these items above have dinged my credit and it has hindered me in doing personal things in my life. if you check my payment history I always paid on time according to what i knew.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2017-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: FORECLOSURE SCAM In XX/XX/XXXX, Ocwen Loan Servicing LLC transferred and sold my loan without reporting the entity they sold to. XX/XX/XXXX, my house was sold on the courts doorstep here in XXXX, Georgia without my knowledge. I did not know the property had even been foreclosed on until late XX/XX/XXXX after consulting a federal agency in reference to Ocwen Loan Servicing LLC trying to add their information to my homeowner 's insurance. Did n't know they had sought after my insurance company until one of my insurance company representatives contacted me via phone to inform me. After seeking out information about why they would call my insurance company, I came upon documents filed and advertised at the XXXX County Superior Court in XX/XX/XXXX, shortly after learning about the insurance issue with Ocwen. Immediately afterwards, I tried to retain counsel in my area to no avail. I could not get any help in any form in this state. Contacted an attorney in the XXXX area, who wanted to file a civil suit against Ocwen but declined to proceed and also stated that I would lose if I tried. So, I immediately seeked out the bank that supposedly holds interest in my home to find out that they do not own my home and is not coming against me in any court proceedings based on the bank representatives who are listed in the letter which is attached to this complaint. Afterwhich, today, I contact the attorney, XXXX XXXX, with XXXX XXXX XXXX XXXX who filed proceedings against me for XXXX XXXX XXXX XXXX and asked that he cease and desist because their defendants addresses, phone numbers were bogus and he was in violation of my rights as a consumer. A cease & desist letter will be mailed certified to him and his firm today. The banks information listed on the court proceedings do not exist and the XXXX XXXX XXXX XXXX representatives listed in my cease and desist letter agreed with me on filing this claim. They can be reached at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX. Please see misleading XXXX XXXX ownership information on the tax document and court proceeding documents attached. I would like the FTC to conduct an investigation and any other entities you find legally obligated to enforce any laws regarding my situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Starting around XX/XX/XXXX I entered into a loan modification with Ocwen Mortgage. I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in XX/XX/XXXX, Ocwen continued to report that I was 30, 60, 90, and even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX ; finally showing as current beginning XX/XX/XXXX through XX/XX/XXXX. Ocwen accepted a nominal loan amount from HUD for the amount Ocwen indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with Ocwen for over 2 years to correct the reporting to my credit. Ocwen informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around XX/XX/XXXX I filed a dispute inquiry with XXXX. The result of that dispute is that Ocwen reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to Ocwen around XX/XX/XXXX. I indicated that since Ocwen can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then Ocwen must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than 10 business days. I received several letters from Ocwen 's Loan Servicing Department and their Research Department indicating that they " are unable to provide you with a response '' and they need more time. Today is the 32nd business day. I called Ocwen 's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in XX/XX/XXXX and that I should allow them " 4 to 5 more business days to locate that information. '' I sold my home at the end of XX/XX/XXXX and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since XX/XX/XXXX related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from Ocwen , still in the loan modification trial period. I have additional documentation if needed.
Company Response:
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Ocwen Loan Servicing is reporting a negative balance on my credit report. I do not owe Ocwen any money and have no business with this account.
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I refinanced my home XX/XX/XXXX and paid off my mortgage with Ocwen. The financing company paid an additional fee so that Ocwen would record the discharge of Ocwen 's mortgage against my deed. I discovered on XX/XX/XXXX, while trying to obtain a home equity note for my home, that this discharge was never filed. All Ocwen would tell me is that it still shows pending and that they would have to research it. I submitted a research request on XX/XX/XXXX but have heard nothing from their company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX, XXXX as the trustee for Option One Mortgage Loan Trust XXXX claims to be holder of the note and claims to have a valid transfer of assignment. We did a title search on X/X/2011 and Option One Mortgage Corporation, a California Corporation was the holder of the note, but a transfer of assignment was filed in XXXX County Land Records office on XX/XX/XXXX, after our mortgage was in default.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2017-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is a follow up to a prior complaint which was submitted XX/XX/XXXX ( Case Number XXXX. ) Ocwen made a loan modification agreement with the homeowner in XX/XX/XXXX which it then breached. The homeowner paid on that XX/XX/XXXX loan modification and was current for five years until Ocwen suddenly and unjustifiably refused to accept payments. Throughout that time Ocwen refused to acknowledge the XX/XX/XXXX modification. Ocwen did not properly adjust the account but instead continued to send incorrect statements and delinquency notices. In XX/XX/XXXX Ocwen commenced a foreclosure action based on the original note, even though that note had been superseded by the XX/XX/XXXX loan modification.
A copy of the prior complaint is attached. Ocwen subsequently sent a response, but did not in fact address the issue. Ocwen 's response, exclusive of their exhibits, is attached. We now submit a response to Ocwen 's response and request that further investigation be conducted by Ocwen and the CFPB.Company Response:
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have tried multiple complains and phone calls to your office regarding this issue and I was not able to solve the problem. Ocwen mortgage services keeping misplacing funds in my account and not applying the correct amount of funds as described in the modification contract. Currently the amount of {$1900.00} were not misapplied in the account from a suspense account and Ocwen will not apply these funds to the escrow account as requested. The account was modified on XX/XX/XXXX . At the time the account was modified, there were funds in the suspense account was {$1900.00} and I had a positive escrow balance in the amount of {$3300.00}. the modification contract had Deferred Principal adjustment ( {$86000.00} ) . in the account payment history, Ocwen applied the additional principal balance funds of {$1900.00} and only applied an additional Deferred Balance Adjustment of {$84000.00}, a smaller amount compared to the described in the modification contract as a deferred principal amount. I have previously requested several time in writing and over the phone clarification to the application of these funds but have being denied.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of 2016 I made 2 payments to my loan and specified that it was for 2 months of payments but they allocated only 1 payment towards my payments and the other one towards the principle of the loan without notifying me. When i found out what had happened then I was showing 30 days late.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2017-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: the mortgage company is Ocwen..they refused to do a modification, I even got a legal aid lawyer that turned on us..after fighting with Ocwen for over two years they forced me and my family out, we did use the XXXX XXXX XXXX and they gave us a runaround.We paid other companies to help, we did.Every way we took to save our home, Ocwen through up a brick wall , they would n't compromise in any way ... although I send them adequate income all they wanted was my house and on XX/XX/XXXX they put us out, even though we had a son which was extremely ill, our son was a XXXX with serious issues, we were forced to leave and seven months after being forced out our son XXXX away in XXXX XXXX..we beg and pleaded with them, we were homeless for 17 days, we had to put our son in the hospital because we had nowhere to go, I wrote senators, congressmen, governor, even the president ( Obama ) no one helped..We knew that Ocwen was stealing the house we built away from us and nobody cared ... fourteen years, they sold our mortgage several times and yet nobody informed us.How could the government we pay taxes to, to protect us, how could they just turn their backs and allow these greedy soul-less companies steal our home..where is the justice!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2017-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A