Date Received: 2017-07-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is another in a series of charge and account discrepancies on my account levied by Ocwen. From: XXXX XXXX Sent: Thursday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX Subject: XXXX XXXX, Loan XXXX, XXXX -XXXX XXXX Thank You for providing a breakdown of the outstanding miscellaneous fees on the account. I do have to point out more discrepancies and errant charges similar to the ones recognized on my escrow advance. Highlighted below, why am I being charged for foreclosure fees and title reports last year. The loan was still in an unemployment modification at the time and is currently not in foreclosure. I was unemployed from XX/XX/XXXX-XX/XX/XXXX. Ocwen was well aware of my situation at the time and actually started a second modification review process when the first modification ended. Since regaining employment in XX/XX/XXXX, I have repeatedly been denied the opportunity to make payments and start a long-term repayment plan. I want to reestablish recurring payments, keep the house and rebuild my credit. Please removed these charges from my account when determining my long-term repayment plan that I have repeatedly asked for. Date Description Amount ------------------------------------------------------------------------------------- XX/XX/XXXX Property Inspection $XXXX XX/XX/XXXX Property Inspection $XXXX XX/XX/XXXX Property Inspection $XXXX XX/XX/XXXX Property Inspection $XXXX XXXX Property Inspection $XXXX XX/XX/XXXX Property Inspection $XXXXXX/XX/XXXXProperty Inspection $XXXXXX/XX/XXXX Property Inspection $XXXX XX/XX/XXXX Property Inspection $XXXX XX/XX/XXXX Property Inspection $XXXX XX/XX/XXXXForeclosure Fees $XXXXXX/XX/XXXXTitle Reports $XXXX XX/XX/XXXX Property Inspection $XXXX XX/XX/XXXXProperty Valuations $XXXX XX/XX/XXXX Property Inspection $XXXX XX/XX/XXXXProperty Inspection $XXXX ---------------------------------------------------------------------------- Total $XXXX Thank YouXXXX XXXX XXXX
Company Response:
State: NY
Zip: 13440
Submitted Via: Web
Date Sent: 2017-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint With CFPB : On XX/XX/XXXX, 2017 CFPB filed a complaint against Ocwen for various reasons, some of those reasons are very similar to my complaint ( s ).
There are several reasons for this complaint against XXXX and Ocwen, not solely against Ocwen. I am making a complaint and asking CFPB to intervene. 1. We entered into settlement negotiations with Ocwen based on their non-ownership. 2. Ocwen has suggested to modify the loan and/or other loss mitigation resolutions with an appeal option but instead cancelled my application without notice, review, contacting owner/lender or XXXX. 3. A foreclosure suit should be dismissed and or continued to be stayed until a resolution is made between both parties based on their non-ownership. 4. They do n't own the note and mortgage and never provided an accurate validation of debt of ownership. Please reference foreclosure complaint and attachments. 5. There was {$150000.00} forgiven by XXXX - and based on what XXXX and Ocwen are suggesting is owed would prevent us from selling our home without a short sale. XXXX filed a complaint for foreclosure against me ( attached ). This complaint has no merits ( attached ). They claim to own my note via XXXX but the note and land records prove they do not own the note and mortgage ( attached ). Their foreclosure complaint and XXXX ( attached ) even concedes that XXXX owned both the note and mortgage. This is important as XXXX never assigned the mortgage to XXXX and their standing of XXXX was transferred by XXXX XXXX who was not authorized by XXXX to transfer via XXXX on XXXX behalf and has been linked to several false statements and errors in foreclosure cases ( attached ). If XXXX owned the note and mortgage they would need the necessary assignment from XXXX to XXXX and then XXXX to XXXX and the note would have had to be endorsed from XXXX to XXXX then endorsed from XXXX to XXXX then XXXX to XXXX. Additionally, XXXX forgave {$150000.00} prior to them transferring servicing rights to Ocwen and Ocwen acknowledged the forgiveness in the statement ( attached ). Based on the dispute we began to enter into settlement negotiations base on 2 previous complaints with CFPB about ownership and their lack to provide a validation of debt. This agreement was a initially purposed for approximately {$300000.00} then changed to {$260000.00} for loan purposes. There were some title issues that prevented the settlement offer to be complete and another request for 30-45 days after loan pre-approval by the lender to close and 30 day settlements granted but the title issue still remained and was unable to close. In order for this settlement to work we would need to be granted approval of the amount and 30-45 days after gaining approval from the lender. Lastly, Ocwen on 2 separate occasions has stated that the lender may have interest to modify the loan ( attached ). However, they refuse to check with the owner of the loan to see if a modification can be established. Instead they sight a prior note in the computer dated prior to the letter dated X/XX/17 and cancel the options to mitigate without contacting me or XXXX or lender based on negotiations discussions for a settlement. I should of been granted all options based on their X/XX/17 correspondence and solicitationsCompany Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2017-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX and XX/XX/XXXXCASE CLOSED ISSUE UNRESOLVED AND RESPONSE NOT ACCEPTED. I hired a company last XX/XX/XXXXto help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my deceased Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to refinance the mortgage. The company that I hired lastXX/XX/XXXX also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. In XX/XX/XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX bankruptacy protection not because of the mortgage because I needed to get reorganized. After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hi Again: I just spoke with the research department. Agent ID is XXXX XXXX XXXX she said she was unable to handle loan because it was in the United States. Reiterated my Loan Number is XXXX XXXX XXXX for the property at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX SC XXXX XXXX won't answer why she can't access South Carolina mortgages or discuss any information given that OCWEN does most of its mortgages in the U.S. She confirmed that she has all information necessary to fix the problem - loan number - address - and my SSN but did nothing to remedy the problem. Her Supervisor is XXXX XXXX - Agent ID XXXX. She tried to send me to U.S. Customer Service and said they might send me to the escalation department. I noted that I'd just spoken with customer service and they had sent me to her in OCWEN research. She then admitted she is both in research and in in escalations. So she was trying to send me in a circle back to customer service and then back to her in escalations. She then said she would send me to a manager in U.S. Escalations. The entire process was very annoying and appeared deliberately designed to annoy - from the first call to the ear-piercing and annoying music - at least 10 decibels higher than the actual volume of the conversation. Once transferred to Escalations Manager - XXXX - Agent ID XXXX. XXXX cut me off - admitted had all information and refused to assist in any way. Refused to open any research request or to help in any way. Advised me to contact the research department that had just transferred me to her - again - running me in a circle. Appeared the entire process was geared to obstruct. OCWEN remains the worst customer service I've yet experienced. My loan was sold to them by another mortgage company. The type of unconscionable conduct needs to be addressed. It is precisely this type of deliberate obstruction that resulted in prior lawsuits against OCWEN. Thank you. XXXX XXXX XXXX On Wed, XX/XX/XXXX at XXXX XXXX, XXXX XXXX wrote: Dear Representative: I just spoke with OCWEN Agent # XXXX XXXX - Ocwen Customer Care regarding the OCWEN settlement. He claimed he was unable to find my loan # XXXX XXXX XXXX which was opened in XX/XX/XXXX and closed in XX/XX/XXXX. He made no effort to locate my loan Loan Number XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. He instead said I should contact the research department at the below address. He seemed more intent on obstruction of the process than on helping anyone. Pretty much what I'd expect from OCWEN and precisely why your company was sued in the first place. Please help me apply for my OCWEN settlement and any benefits to which I may be thereunder entitled. Fax: XXXX XXXX XXXX Ocwen Loan Servicing LLC Attn Research Department XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Perhaps if you'd act with some integrity and try to help people per the class action, you would not be sued as often for obstruction. Regards, XXXX XXXX XXXX. XXXX ---------- Forwarded message ---------- From: consumerrelief Date: Wed, XX/XX/XXXX at XXXX XXXX Subject: Auto response To: XXXX XXXX Greetings, Ocwen Loan Servicing, LLC (Ocwen) has received your email regarding your inquiry about the settlement relief. You may be potentially eligible if your home mortgage loan was foreclosed by Ocwen Loan Servicing, Litton Loan Servicing or Homeward Residential anytime between XX/XX/XXXX and XX/XX/XXXX. If you are potentially eligible, you will receive in the mail a notice and a form that needs to be filled out and returned to the fund administrator to confirm your eligibility and payment amount. Ocwen will not be administering the fund or determining the eligibility. The settling regulators will be appointing a settlement administrator to reach out to the potentially impacted borrowers to determine their eligibility in participation of funds. The government settlement agreement must first be approved by the federal court in XXXX DC before the consumer relief fund is established. A fund administrator must also be selected. All of this could take several weeks. Should you have a home mortgage loan presently being serviced by Ocwen, Ocwen is more than willing to take a fresh look at your loan situation if circumstances have changed. The settlement agreement doesnt change who may or may not be eligible for a modification. Any principal forgiveness or alternate loan modification, if offered, is based on many items, including Ocwen' s servicing guidelines, the borrower's financial status and the status of the loan. As much as Ocwen would like to assist every customer, Ocwen may not always be able to modify a loan, or offer a modification with terms requested. Not all loans qualify for a modification. Please call Ocwen at XXXX if you are interested in looking into a modification, or a re-modification of your existing terms. Thank you. Ocwen Loan Servicing, LLC. 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 Ocwen Financial Corporation 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: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: during the first 4 months of this year i fell ill and was forced to retire from my job and start collecting ss so in essence i had reduced income during this period while waiting for the ss to kick in unable to make mortgage pmts because of change in my income repeatedly denied a loan modification stating no change in finacial position
Company Response:
State: NY
Zip: 14624
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My payment for XXXX 2017 to my mortgage payment to Ocwen Mortgage is missing in my XXXX Credit report ( see attachment ) and also my Credit report was last updated XXXX XXXX , 2017 by my credit reporting agency
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Under the Imminent default criteria I believe I quality for a modification. Under US Treasury guidelines I should be eligibility for a modification based on XXXX. My daughter was diagnosed with XXXX and has suffered from XXXX XXXX which has left me to care and help her with daily living. I filed a chapter XXXX over 2 years ago and it is taken from my work check biweekly. which leaves me with around {$50.00} to {$70.00} per pay period. I have asked for help from Ocwen and denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is a huge step in the right direction but there still exist major flaws in the proposed course of action. First, the final loan assumption was XXXX 2014 ; this is the date when I officially assumed legal responsibility of the loan. Second, the response does n't even address the false reporting of delinquencies. It appears to me that OCWEN Loan Servicing is just glossing over the matter of false reporting delinquencies. That is the main issue I have with my credit report now. As the financial records prove I was never delinquent on this account. The matter is n't even addressed in the response from OCWEN Loan Servicing because they want to change the narrative. Third, how the loan is reported is n't in accordance with the contract I signed. The contract clearly states " the loan will be reported as Modified '' and not modified under a government program. If CFPB could please get an updated letter addressing the false reporting of delinquencies that would be great. As I 've shown through proof of payment and legal assumption of the loan, all delinquencies were discharged and not passed onto me upon assumption. This needs to be corrected ASAP. I 've provided all the necessary proof validating my position is correct. As I 've dealt with this company over the years I 've learned that they will pull out all the stops to XXXX you over. In my opinion, this is just another stall tactic in hopes that I 'll accept this but I 'm not. My good credit history is all I have and they 're not going to take that away from me. Please assist me in getting this corrected. If this dispute could be reopened I would greatly appreciate it. If OCWEN Loan Servicing refuses to correct the errors then I 'll have no choice but to seek legal recourse. As outlined in the assumption I 've attempted every option other than legal action. Please assist me in making one final attempt to get this matter corrected and effectively resolved. Thanks for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2017-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I applied for a home loan to purchase the house my family and I have been renting for 2.5 years, but was informed I could not be approved because my XXXX and XXXX credit reports showed I had an account with XXXX XXXX XXXX that was being reported as a Paid Foreclosure. I explained that the house was sold and the loan settled for less than the balance owed, but was not foreclosed. My lender instructed me to call Ocwen and request a written letter stating the house was not foreclosed so we could submit this to the credit bureaus. I called Ocwen, using the number shown on my credit report, on XX/XX/XXXX and was informed that they had no record of my loan account and that I would need to fax my request to their Research Department so that department could locate my account and provide the requested letter.
I faxed my request to the Ocwen Research Department on Friday, XX/XX/XXXX, received confirmation from XXXX that the transmission was successful, and on Monday,XX/XX/XXXX, I called Ocwens Research Department using the number I was given on Friday ( XXXX ) to verify my fax had been received. I spoke with XXXX ( XXXX ) who informed me my fax had not yet been received and to give it another day. During the call, I informed her that my request was time sensitive as I was trying to get approved for a loan before the owners of the house I rent put it on the market and increased the price $ 30k, putting it out of my reach. She understood and said she would code my request as urgent to get it processed quickly. I called back the following day, Tuesday, XX/XX/XXXX, and again was informed by XXXX that my fax had not been received, to give it another day. I called back the following day, Wednesday, XX/XX/XXXX, and was again informed by XXXX that they did not have my fax. She instructed me to send my request again to her attention at their private fax number ( XXXX ) and that she would get the request submitted to the research team. I called back on Friday, XX/XX/XXXX, and XXXX stated that she would go check to see if my fax was received. At that time, she found my request and stated she would submit it to the research team for action with a indicator that it was urgent. She informed me that these requests typically take 10 days or less and that I should have the requested letter confirming my mortgage loan was not foreclosed. On Thursday, XX/XX/XXXX, I called Ocwen back and spoke with another representative who stated he could not find my request so could not provide status, but would have XXXX call me back the next day. She did not call back the next day so I called again on Monday, XX/XX/XXXX at which time XXXX curtly informed me that the request was still in process, to give it 15 days, and to stop calling. On Thursday, XX/XX/XXXX, my lender and I called Ocwen and spoke with XXXX to find out status. She informed us that she did not have a status update on my request and that the Lien Release Department does not take calls from consumers so we could not speak with them to find out status. She did finally provide us with a Request Reference Number ( # XXXX [ XXXX ] ). Using this number, she was able to provide a reference status datedXX/XX/XXXX stating a letter would be faxed. She informed us that she would request the Lien Release Department/Research Department send the letter to me via email. On Friday,XX/XX/XXXXXX/XX/XXXX, I received a letter via email from Ocwen stating they did not acquire servicing rights to my loan as part of the GMAC Mortgage bankruptcy so were not able to assist with my request. On XX/XX/XXXX, I sent a dispute letter to XXXX and XXXX asking that the Foreclosure remarks be removed from the account as foreclosure proceedings were never initiated to my knowledge. XXXX removed the entire XXXX account from my credit report prior toXX/XX/XXXX. On XX/XX/XXXX, I received an email notice from XXXX that the dispute investigation had been completed and that account information had been updated. The XXXX account was updated only to remove the dollar amount of delinquency as ofXX/XX/XXXX, prior to the house selling. I called XXXX after reading this and was informed I had a different XXXX file number and that my file was being handled by the Fraud Victims Assistance team so I would have to call them. On XX/XX/XXXX, I called the Fraud Victims Assistance group and spoke with a supervisor, XXXX XXXX, who told me to send over any documentation I had to support my claim that the house was not foreclosed and that she would update the account if documentation was sufficient. If the documentation was not sufficient, she would call Ocwen to attempt a phone verification and that she typically answers her faxes within 1 to 2 business days. On XX/XX/XXXX, I faxed my request to her attention along with the following documents : Release of Deed of Trust from XXXX XXXX XXXX Withdrawal of Notice of Election and Demand for Sale by Public Trustee from GXXXX XXXX XXXX Request to Ocwen Loan Servicings Research Department Ocwen Loan Servicing response I called XXXX on XX/XX/XXXX and spoke with another supervisor who informed me that XXXX would call Ocwen the following day, XX/XX/XXXX to do the phone verification. I called back onXX/XX/XXXXand again spoke with XXXX XXXX. She informed me that the documentation I submitted was not sufficient to remove foreclosure remarks and update account status, and that she would do the phone verification with Ocwen on Friday,XX/XX/XXXX. After speaking with XXXX on XX/XX/XXXX, I faxed over the Settlement Statement ( HUD-1 ) and Warranty Deed transferred from me and my ex-husband to the buyer. On XX/XX/XXXX, I called back and was informed by another Supervisor that XXXX had called Ocwen and that they could not verify my account, but would not give permission to change the account status, so XXXX opened another dispute with Ocwen on my behalf. On XX/XX/XXXX, I submitted a CFPB complaint against XXXX asking that they update the XXXX account status since they are knowingly reporting inaccurate information. OnXX/XX/XXXX, I was informed that XXXX had responded to my CFPB complaint and that they were not going to update the account and that they would not update the account unless I could provide a recent letter from the creditor stating the loan status should be changed, and that they would not open any more disputes unless I had new documentation to support my claim.Company Response:
State: CO
Zip: 80516
Submitted Via: Web
Date Sent: 2017-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In the month of XXXX XXXX, we were taken aback when I went to pay our property taxes and discovered that the property taxes had been paid. Curious to find out what was going on I immediately called the XXXX XXXX County Tax Collectors and was advised that my mortgage company Ocwen had paid my taxes for XXXX and XXXX. I disputed what the tax collector representative had advised me about the XXXX taxes as I had paid my XXXX taxes myself and wanted to know where or to whom my payment was credited. I then called Ocwen spoke with one of their representatives and was advised that I had failed to pay my XXXX and XXXX taxes and as a result my mortgage payment was increased to an approximate $ 200+ additionally per month. I advised the Ocwen representative that I had personally paid the XXXX taxes and there was no need for them to have paid them, and there must be some kind of mistake. I also questioned why they paid the XXXX property taxes 5 days before the early payment due date. Again, I explained that we do not need Ocwen to pay our property taxes. I also explained that we had paid XXXX and would have done so in XXXX if they had not gone into our account 5 days prior toXX/XX/XXXX the due date for discount. The Ocwen representative advised me that if I had the receipt to show that we paid the XXXX taxes that I would need to submit a copy to them to show that I had done so. A couple of days later, confident that this situation would be cleared up as soon I was able to provide proof of payment ( see attached receipt dated XXXX/XXXX/XXXX ), I decided to investigate where the payment went. I called the XXXX XXXX County Tax Collectors Office and was advised again that I had not paid the XXXX property taxes. Not satisfied with the representatives explanation, I asked to speak with his supervisor. He took my contact information and later that afternoon the supervisor called me back. I explained to her that the XXXX property taxes were paid, and if the payment did not post to our account where did it go. The supervisor took my contact information and asked if I could give her a day or so to research what happened to my payment and that she would to get back with me. I located the receipt showing that indeed the XXXX property taxes were paid. In the meantime, I mailed our XXXX XXXX mortgage payment in the amount of {$1500.00} which is the payment that I have always paid. I continued with my regular payment knowing that the missing or misplaced property tax payment would be found and the account would be credited. After having and recuperating from a medical procedure in XXXX XXXX and not yet receiving a call back from the supervisor at the tax collectors office, in the month of XXXX XXXX I decided to call the tax collectors office and was finally able to speak with the supervisor. I explained to her as I had explained to the representative that I had made the payment on our XXXX property taxes and wanted to know what happened to it. The supervisor pulled the account up and according to her the only thing that the account was showing, was that the XXXX property tax had not been paid and that a tax certificate was purchased and paid for by Ocwen. Adamant about the payment, I wouldnt let it go. I asked that if I made my payment and had the receipt for it where did my payment go. I also asked her was it legal for my mortgage company to go into my account 5 days prior to the XXXX XXXX, due date and pay the bill so they can try to force me to have to pay into an escrow account. I asked her that if I came into their office and showed them the receipt for the XXXX tax year and made the payment for the XXXX tax year could they send the mortgage company their money back. I also explained to her that after the mortgage company went in early and paid the XXXX taxes, they immediately increased my mortgage payment by $ 200+. The supervisor advised me that if this is what the mortgage company had done it was illegal because by law the mortgage company must give the customer at least a 45-day notice before they can make a change to the mortgage payment. I advised her to look at the date the XXXX taxes were paid and that according to what Ocwen had done, the payment had increased 5 days later. I asked her what could be done about it and she gave me the number to the state of Florida Office of Financial Regulations ( OFR ). I immediately hung up with her and called the OFR and explained what was going on with me. The OFR representative advised me to go online and file a complaint. Since it had not been determined where the XXXX property tax payment had posted, I decided not to file a complaint until I had all my documents together. After my conversation with both the supervisor at the tax collectors office and the OFR representative in XXXX XXXX, I continued my research to find out where the XXXX tax payment went. I also made my XXXX XXXX mortgage payment in the original amount of {$1500.00}. I continued my research of the XXXX property tax payment throughout the month of XXXX XXXX. After a few weeks of digging I finally found out where the XXXX property tax payment went. I called the tax collector supervisor and explained that I had discovered that the XXXX property tax payment was credited to another property that my husband and I own instead of being credited to the XXXX XXXX XXXX XXXX address ( see attached receipt ). Shortly after my conversation with the supervisor at the tax collectors office ( on XXXX XXXX, XXXX ), I went to my bank purchased two cashiers checks in the amount of {$930.00} for the XXXX property taxes and {$770.00} for the XXXX property taxes. I then wrote a letter to Ocwen explaining what happened with the XXXX and XXXX tax payments ( see attached letter dated XXXX/XXXX/XXXX along with copies of bot cashiers checks ), to cancel the escrow account because it is not needed, and then I mailed the letter and copies of both cashiers checks via certified mail to them. I continued to make my mortgage payments each month online in the original amount of {$1500.00} ( see attached bank statement details showing payments and canceled checks ). On FridayXX/XX/XXXX I attempted to pay my mortgage payment in the amount of {$1500.00} online, and via the automated phone system and discovered that I was locked out. I then attempted to make a payment via a live representative ( ID # XXXX ) and met with further resistance. The representative would not accept my payment over the phone. I then contacted the Florida Bars Lawyer referral service, and was referred to an attorney was advised at my consultation meeting with him to mail my payment of {$1500.00}. OnXX/XX/XXXX, I mailed the payment along with another letter ( see letter dated XXXX XXXX, XXXX ). I continued each month to overnight express mail my monthly mortgage payment of {$1500.00} to make sure that they received it and that someone would have to sign for it. Ocwen continued to take those payments each month until XXXX XXXX, XXXX. I overnight expressed mailed my XXXX XXXX payment on XX/XX/XXXX, and on Friday XXXX XXXX, XXXX I checked my bank account and discovered that the payment had not posted yet. I immediately called Ocwen spoke with Ocwen representative XXXX ( ID # XXXX ) who advised me that my XXXX payment was rejected as of XX/XX/XXXX. I asked why and he advised me that my account was 114 days past due. I advised him how could that be when I have religiously sent in my mortgage payment each month and that they are holding almost {$3000.00} of my money in an escrow account ( see document showing escrow balance }. I advised him that it appeared to me that it should be the other way around in that they owed me money. I then asked him why are they continuing to hold my money hostage, and what is the escrow account for. He advised me that it was for the payment of my property taxes. Knowing that I had paid the XXXX and XXXX property taxes ( see attached copies of cashiers checks ), and personally paid the XXXX property taxes ( see attached receipt ), I then asked him : do I owe any property taxes? XXXX never answered that question because the answer to that question is no. I then asked him who was the government regulating body for Ocwen and he advised me that it was the Consumer Financial Protection Bureau. I contacted them and spoke with a representative there XXXX. I explained to her what was happening and she advised me of what I needed to do. I also contacted the state of Florida OFR and spoke with representative XXXX who immediately connected me to special Ocwen analysis XXXX. XXXX also advised me of what I needed to do so I started locating and gathering documents associated with this situation. On Tuesday XX/XX/XXXX, I received in the mail a letter and my XXXX XXXX payment from Ocwen which they have rejected and returned to me ( see copy of attached letter and check ). Today I am reaching out to the CFPB and the state of Florida OFR for help. My home is finally above water and I am now in a position to where I can finally get out from under Ocwen and the disparaging treatment that we have endured since becoming a customer. For the past 8 or 9 years Ocwen has put me and my family through a living XXXX and I am so tired of the harassment, the sleepless nights, the fear of losing my home, the stress, the aggravation, the fear of losing any chance of getting another company to accept me as a customer because Ocwen is reporting late payments to the credit bureaus when I have made all my mortgage payments on time. I am at a point where I do not know what to do. I do know that we dont want to lose our home, especially since we have paid our mortgage religiously each month. How can they be allowed to continue to treat people the way they do? When you try to talk or reason with them they treat you as if you are XXXX, XXXX or all of the above. They have no intention of helping their customers.
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2017-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A