Date Received: 2017-06-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen was the loan servicer of my loan. Ocwen then sold it to XXXX XXXX , who gave me a trial payment plan. I went to the lawyers who represented Ocwen, but they will not cancel the eviction scheduled on my home, even though they no longer own it, and I am in a trial payment plan. They have extended the order of possession, even though Ocwen is no longer the owner of my loan.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2017-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, there was a Loan Modification Agreement made between myself and Ocwen Loan Servicing, LLC, Lender/Servicer or Agent for Lender/Servicer. ( Ocwen Loan Servicing is a debt collector attempting to collect a debt ). The reason I applied for a loan modification was because I was struggling to pay my mortgage. My mortgage payment at the time was for {$1200.00}. I requested that they lower my monthly mortgage payments, so that I may be able to comfortably afford making my mortgage payments on time. On XX/XX/XXXX, Ocwen modified my loan for the amount of {$1200.00} and they added to my loan a Balloon Payment Disclosure. I was not happy with the terms of my loan modification and especially with the balloon payment disclosure. However, I was pressured by Ocwen Loan Servicing into signing the modification and the balloon payment disclosure. I did not agree with the balloon payment disclosure, but I was informed by Ocwen Loan Servicing that if I did not sign the balloon payment disclosure, they would turn down the modification and proceed to foreclose on my property. As of XX/XX/XXXX, my mortgage payment increased to {$1200.00}. On XX/XX/XXXX, I called XXXX XXXX in order to apply for refinancing of my home ; and they informed me that Ocwen was showing that I was past due {$1200.00} on my mortgage and that Ocwen is stacking me with late payments on a monthly basis. Also, Ocwen Loan Servicing has destroyed my credit. Ocwen is not currently updating their records. I am current on my mortgage payments and they are not disclosing and/or updating the records to show that I am current on my mortgage payments. XXXX XXXX informed me that I will not be able to refinance until the accurate information is shown on my payment history and this important matter is resolved, because I am currently high risk. In addition, I am seeking legal services.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2017-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: OCWEN LOAN Acct # XXXX Ocwen Loan Servicing is reporting inaccurate and damaging information to XXXX. The above account appears on my credit report but I do not have that mortgage. We spoke with XXXX onXX/XX/XXXXand sent a letter for investigation, We spoke with XXXX onXX/XX/XXXX and sent a letter for investigation. Letters were sent to the research department the research department in XXXX and XXXX but there was no response. The item must be removed from my credit report.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2017-06-30
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: Tried to do loan modification and Ocwen sends back last payments so it wo n't become valid. Both Ocwen and their attorney never returns phone calls so I could find out why checks were returned. Was told by XXXX XXXX XXXX to file a Chapter XXXX bankruptcy, followed all directions to stop sale and that failed. Per commissioner and judge, it was supposed to be filed in Federal Bankruptcy Court to be valid but THEIR clerk at the window at the district court said that was it. She hand wrote the number on the top of the page and said to make sure we sent it to the proper people and we sent it to XXXX XXXX XXXX and they sent it to Ocwen. The amounts of the balance of that mortgage do n't even seem right. We went to court on XXXX XXXX,2017 to fight the sale with the bankruptcy and the Judge said that the bankruptcy was n't in time and filed properly so the commission of sale was granted. We asked him how long we had to keep fighting g this and he said 60 days but no one wants to help us because of the way it 's noted on the credit report a d how far the foreclosure is but we have been trying to fight everything since we were made aware and still got no help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96720
Submitted Via: Web
Date Sent: 2017-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Ocw en Loan Servicing is playing games with my loan modification. their attorneys are threatening access to my propertey and as of Monday, XX/XX/XXXX , it appears that they accessed the property and did a walk through and peak into the facility. I would have thought homeless, but the secured ties on the property gate we nicely opened and nothing in the back, in this area, was touched. No door was opened and if was neatly put back in place .... unlike homeless events from the past. A hand print is on the window from someone peaking in. The storage room in the back ( which has not been completed due to Fema insurance declining the repair cost ) was opened by prying and was what appeared to be NOT entered ... ... .. and just looking, nothing was touched or missing. Tools were left out at the back home and nothing was missing. Nothing was taken from the property including a compressor in the back of the home that would have been excellent for a homeless person. The pack property appeared to have someone access a rental unit, but just a walk in and all tools were still in place. I called the police and reported the 'friendly '' break in. I filed a reported and told them it appeared to be the bank, or their legal counsel.
this attorney group is in cahoots with another lean holders attorney on the property. I think they are trying to push to get it. I was told a letter was sent to the property but I have received nothing at my mailing address. So I understand the letter was returned. On XX/XX/XXXX , I sent a complete package to Ocwen and at no time did they call until they started the push for the property there after. I mentioned the package that was sent and received certified. they said they had a record of all documents but did n't get around to reviewing them until I brought it to their attention. At that time, which I believe was XX/XX/XXXX +/- w hen they started the terroristic threatening of coming on my property without permission ( after the date of inspection, mind you ), Ocwen start ed the process all over again. But after I complained about their attorney 's they stepped back and about 6 weeks ago I received a letter saying they had nothing to offer me but if I was interested in a loan modification they would look into it. They also said, 'all they needed to complete the loan for the UA was a le tter stating my hardship letter ''. their response was sorry to hear I had problems and someone would call me. I have had nothing from anyone except threatening from the attorney. WHAT ARE WE GOING TO DO AGAINST THESE PEOPLE WHEN YOU GET SHUT DOWN BY THE PRESIDENT? yOU ARE THE ONLY HOPE WE HAVE????? THIS WHOLE THING IS WRONG, WE HAVE NOT EVEN BEEN COMPENSATED FOR THE XXXX OR XXXX XXXX XXXX XXXX WE HAVE ALL SUFFERED FROM WHO STARTED MY DEAL WITH THIS AND THIS XXXX XXXX PASS THROUGH THING. PLEASE CONTINUE TO HELP US PEOPLE WHO ARE THE MAJORITY THAT PAY THE TAXES, WE HAVE BEEN HIT HARDEST, PAY THE MOST AND GET NOTHING UNLESS WE ARE A LARGE CORPORATION. yOUR HELP PLEASE CFPB!!!!! THANKS FOR YOUR HELP IN GETTING AT LEAST XXXX OF MY PROPERTIES DONE FOR ME. XXXX IS GOING ON 8 YEARS NOW, WITH OCWEN A T 4.Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96792
Submitted Via: Web
Date Sent: 2017-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was contacted from a person saying he was from Ocwen Mortgage used their XXXX number, claims to be a manager from the modification dept. Promises a modification to whatever amount we could afford ( since we are behind on payments ), and lures is to send through money gram {$1000.00} with an hour to an attorney to start the process. His name is XXXX XXXX continues to call from the XXXX number that belongs to Ocwen and also his own personal number that he told me to call. Continues to request more money! He is harassing me and threatening to foreclose. No one from Ocwen knows who he is they have started an investigation but I 'm still behind on paymentsand after trusting this person saying he was from Ocwen I can not make the payment. I need Ocwen to assume responsibility for this and return the money this person took from me and execute an honest modification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2017-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen Loan Servicing used Falsified documents to foreclose on my property. I have submitted verifiable proof of fraud and forgery in the recorded chain of title in regard to critical foreclosure XXXX County Supreme Court Index No. XXXX Their Improper assignments were recorded in the county land records offices. Improper assignments were submitted to the Court in support of foreclosure motions Improper assignments were accepted by the Court as valid assignments that substantiated the foreclosure. The Corporation of Assignment of mortgage by Ocwen loan servicing on XX/XX/XXXX with of seller servicing number of XXXX XXXX, old servicing number XXXX XXXX is signed by Fraudulent Public Notary. Book/Page XXXX Instrument No. XXXXThe Corporate Assignment of Date of assignmentXX/XX/XXXX between Ocwen Loan Servicing LLC and XXXX XXXX XXXX XXXX Please note XXXX XXXX Commission No. XXXX with a commission expiration ofXX/XX/XXXX in State of Iowa , County of XXXX XXXX is not valid. I have attached proof. I was foreclosed upon based upon falsified document. The bank submitted several different promissory not submitted as proof of ownership. In prior CFPB complaint, I requested XXXX XXXX XXXX to submit a copy of Promissory Note, no which appeal like ones submitted by Ocwen or its predecessors. I would as them to return ownership of my home asap. In previous complaint XXXX I am requesting document proof of servicing contract in regard to prove XXXX was my investor. Ocwen reputed my claims of robo signing. The multitude of homeowner of cases and settlements in every state proves other wise.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX claims to have a valid transfer / assignment to our mortgage loan that complies to the National Mortgage Settlement Agreement. The allonge previously provided has an incorrect property address and does not contain the legal description of the property.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2017-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Erroneous and excessive fees, poor communication, lack of point contact, inability to reach any same person twice, inability to reach escrow department, first loan mod in approx XX/XX/XXXX approval for Hamp but recieved a LIBOR ( no choice and set me up to fail, by stating 'make no payments ' ) Miss-statement of alleged amounts owed, harrassing phone calls when late, ( three times a day ), excessive 'inspection fees ', mismanagement of escrows, forced insurance ( insurance and taxes are escrowed ) During the shuffle from AMHS to Homeward, back to Ocwen, I was informed my insurance was canceled, however when I contacted my insurance, they claimed 'non payment was reason for cancellation, Ocwen said too bad, they 'Homeward ' were a different company and now I must secure new insurance ' Homeward is Ocwen, they misrepresented the facts. AMHS is Ocwen, XXXX XXXX is parent company. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I fell behind and was offered HARP, with a payment plan, every notice I received the principal, interest and escrows figures changed, varied and did not compute. Iv been paying on this account since XX/XX/XXXX with XXXX beginning balance, yet they show balance on XX/XX/XXXX as XXXX. Can not get strait answers, foreclosed XX/XX/XXXX bank bot back, property in REO > I have never dealt with a company with such disregard, in attempting loan mod, was told to fax 24 pages, they never got, had to resend. Fed up, I paid up in XX/XX/XXXX, mentioned I was not caught up with tax returns, they said " we can get around that ''. I Called back and was instructed to wire money to a XXXX XXXX account via XXXX XXXX ( i have full documentation and receipts on this transaction ) Odd, I suspect money laundering, definitely identity theft, as my vital personal information ( they never received in loan mod attempt ) went to who knows where? This is THE absolute nightmare of a company who takes very little responsibility/accountability/outsourcing their customer calls to a foreign country, who do not understand off 'script ' EXTREMELY FRUSTRATING TO DEAL WITH > HORRIBLE experience for ten years!! THE WORST. Came from Option One who went down in XX/XX/XXXX, months after I originated. Ocwen has been 'master servicer ' since the beginning. They will ruin your credit, and basically do whatever they want not short of take your house when servicers are not allowed to enforce anything but payments. Do not be fooled, they will lie, cheat, and cover up at every opportunity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75231
Submitted Via: Web
Date Sent: 2017-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I will attach two documents that I think will explain most of what we have gone through. This process has been over 1.5 years and very stressful. For over a year we could not get a reason as to what the issue was, I thought I was paying the payments, the payments went up ( I knew they would some ), but went from under {$500.00} to almost {$3000.00}. The company took a few month money, applied to a payment and then returned, when I figured out something was wrong and called they wanted me to send $ XXXX or something. When I said we could n't they said they would help me with a refi ( which I had wanted to a long time since we had an interest only loan, we filled out forms on the phone, made a follow-up appoint time and I thought all was well. At follow up was told was sent to another department and would have to wait for something mailed, then received info about foreclosure mediation program. What a joke. I am normally a huge fan of mediation but this companies idea of mediation apparently is that their part is to agree to accept an entire loan package that they will look at and evaluate to see if they will be able to " approve '' you, just as a new person. So after two session of mediation we did not have all required papers. This wasted 14 months and the minimum acceptable amount became forty some thousand I think ( the loan amount was less than {$130000.00}. The entire time they would accept no money on the loan and still could not tell us what the amount owed was for ( MITI, but we pay the taxes and insurance ), we could reapply for mediation again, but I lost my job so I do not have the monthly income they require, my husband is on Social Security so would do no good. Because of health reasons I have wanted to retire anyway. Finally in XXXX ( 2017 we received notice of why the balance was the amount it is ). The part to me that seems nuts is that this has been our home for 30 years, we have no other bills, my husband has over {$75000.00} in his retirement account and I 've wanted to file my retirement but have postposed because they have my house in foreclosure. I have several choices of how to take my retirement payment, such as in a monthly amount, but there are others also. I am lucky because one choice is a lump sum, so while they will not accept that I have over {$350000.00} in my retirement it is an amount that I can take as a lump sum to pay the loan ( and taxes ) which is a terrible burden to do this way, but at least will likely be able to keep the house timing wise. Others do not have those options. We also have a option of paying somewhere around {$46000.00}, but I can not get an answer as to what we would owe if we paid that amount. What would be the balance, what would the payments be? Tax wise may be better but not if we pay {$46000.00} and still owe the same amount after. I am angry at the over a year with no answers, the company does not work with mediation, I filed a complaint with the DOJ but they have no authority in that area. They walk all over people and take, take, take.
Company Response:
State: OR
Zip: 97404
Submitted Via: Web
Date Sent: 2017-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A