Date Received: 2017-06-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: There is an assignment of deed of trust on file with the XXXX County Clerk 's office that was filed on XXXX XXXX, 2011. The assignment of deed of trust has the incorrect property city and property zip.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2017-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen Mortgage took over the Servicing of my loan a few years back. They have accepted payments on the account, but do not seem to be applying the payments and
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2017-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-28
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: A home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX was sold at public auction on XXXX XXXX, 2017 at the XXXX XXXX County Court House. The property had been recently refinanced and the company forwarded all closing documents to the trustee who continued his unethical practice of hindering trade and commerce and a violation of Florida Statute 542.18. The Trustee / Attorney violated Florida Bar rule 5-1.1, " by not following a directive of a client or protecting the interest of a client ''.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2017-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In 2016 I requested a loan modification from my lender/servicer Ocwen Mortgage. They indicated that because I had received a modification from my previous lender XXXX XXXX that I was not eligible. I submitted Income information that thoroughly proved that more than 45 % of my income was going to my PITI payment. I went on to ask that at the very least i would welcome for either interest payments to be suspended being that my rate is well above market ( 5 % ) or that principal payments be stopped for the time being and again they denied my request. I have consistently been more than 80 days past due, but under 90 in order to avoid foreclosure and I feel like they are just waiting for me to bury myself. I have been in this home for over 18 years. PLEASE help ME!!!! XXXX XXXX XXXX or XXXX
Company Response:
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2017-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX CASE CLOSED ISSUE UNRESOLVED AND RESPONSE NOT ACCEPTED. I hired a company last XX/XX/XXXX to 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 XXXX 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 last XX/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 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: 109XX
Submitted Via: Web
Date Sent: 2017-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I sent and requested information from this alleged Trust.
Option One Mortgage Loan Trust XXXX - XXXX Asset Backed Certificates Series XXXX I get no financial documents to support a default or history of cash flows and relevant documents as per request under the QWR and Debt validation.Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2017-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working with Ocwen for months trying to do a short sale on my home. I have been seeking a mortgage resolution for years with Ocwen. I have a letter form Ocwen dated XXXX/XXXX/XXXX suggesting that I seek a sale price of {$50000.00}. On XXXX/XXXX/XXXX, I received an offer from a buyer to purchase the house for {$60000.00} which is {$600.00} more than the suggested price. On XXXX/XXXX/XXXX, I received an email form Ocwen 's lawyer that they were foreclosing on my home and I had n't even received a reason why the short sale was denied. This seems to be an abuse of authority and an unlawful practice. The short sale should have been accepted leading to a positive resolution for both parties. I feel like I was given the runaround just so Ocwen could foreclose while I was distracted with the mortgage resolution process. I feel like I was taken advantage of. The lawyer, XXXX XXXX, asked me to sign a consent judgement so they can just foreclose on my home without proving me with an explanation as to why I could not do a deed-in-lieu or a short sale agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2017-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX , 2017 I was discharged from a Chapter # XXXX Bankruptcy. On XXXX XXXX , 2017 I received a letter from the Attorneys of my Mortgage Company, the letter was accusing me of violated # 1322 ( b ) ( 5 ) of the Bankruptcy Code. The creditor states that I missed two mortgage paym ents. This is not true, and this is not the first time this particular company has given us problems. I am a XXXX veteran who suffers from XXXX , I do not need anymore XXXX in my life. My family and I work very hard to pay our bills, and stay above water. I did not miss a Chapter # XXXX payment or a mortgage payment. We do not have the money nor experience to battle with the lawyers and mortgage company. Please Help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23834
Submitted Via: Web
Date Sent: 2017-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT I WAS DENIED BY MY SERVICER OCWEN ON X/XX/17, I CALLED THEM AND COMPLAINED. THEY STATED THAT GUIDELINES JUST CHANGED THE PRIOR WEEK SO THEY WILL REVIEW THE FILE AGAIN. THEY SENT THE FILE BACK TO THE UNDERWRITING DEPARTMENT AND ON X/X/17 I RECEIVED THE EXACT SAME DECLINE LETTER, MY INVESTOR DOES N'T HELP HOMEOWNERS THAT ARE OVER 90 DAYS DELINQUENT. THIS MAKES NO SENSE AS IT TAKES 30 DAYS TO MAKE A LATE 30 DAYS TO GATHER THE NUMEROUS DOCUMENTS OCWEN REQUEST OVER AND OVER AND THEN THEY SEND THE FILE TO THE UNDERWRITING DEPARTMENT FOR A DECISION WHICH TAKES 30 DAYS. OCWEN PUTS BORROWERS LIKE ME OVER 90 DAYS AND THEN SAY THAT MY INVESTOR XXXX XXXX DOES GIVE MODIFICATIONS BECAUSE I AM OVER 90 DAYS LATE. THIS IS OUTRAGEOUS!!! I ASKED OCWEN THE SERVICING COMPANY IF THEY EVER SENT MY REQUEST FOR MODIFICATION TO XXXX XXXX MY SERVICER AND THE REPRESENTATIVE STATED I DO N'T KNOW, I ONLY KNOW YOU WERE DENIED NOW WHAT IS YOUR INTENTIONS WITH THE PROPERTY. IT SOUNDS LIKE THEY ARE TRYING TO FORCE BORROWERS OUT OF THEIR HOME SO THEY CAN RESELL IT TO THEIR FRIENDS " INVESTORS '' THAT ARE BUYING OUR HOMES BY THE BULK CENTS ON THE DOLLAR. HOW DARE THEY PREY ON THE WORKING CLASS TO BENEFIT THEMSELVES. I AM NOT GOING TO LEAVE MY HOUSE AND I AM NOT GOING TO BE VICTIMIZE BY CORPORATIONS LIKE OCWEN OR XXXX XXXX
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2017-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After conducting an in-depth review of my mortgage transaction and the conveyances of the subject property, I have found a number of violations with respect to the following Assignments. EXHIBIT A : Upon information and belief XXXX XXXX, XXXX XXXX and XXXX XXXX are employees of XXXX XXXX XXXX and not XXXX XXXX and or XXXX. XXXX testified in a XX/XX/XXXX foreclosure case in Florida that he signed up to 5,000 mortgage assignments per day at the loan-servicing company. Although he is an employee of XXXX, he signed the documents as a " vice president '' of XXXX XXXX XXXX, XXXX XXXX, XXXX and other institutions. ( See : Case # XXXX, XXXX Court of the XXXX XXXX XXXX, XXXX County, FL ) In his deposition, XXXX said XXXX multiplied his output by electronically stamping his signature on additional mortgage assignments that XXXX said he never saw.
He testified, too, that all the documents then were falsely notarized. XXXX 's notaries were given stacks of the already-signed documents, he said, and attested falsely that XXXX had signed the legal papers in front of them. XXXX said he did n't verify the information in the papers he signed, and that he did n't understand key words and expressions in them. On thousands of documents, a California or North Carolina address is listed directly under XXXX name to help conceal his true employer. In a Texas case involving an Assignment signed by XXXX XXXX, a Texas Court denied an Application for Order for Foreclosure on XX/XX/XXXX, after the homeowner responded to the application with allegations of fraud based in part on the conduct of XXXX. See, In re Order for Foreclosure Concerning XXXX XXXX, Cause No. XXXX, District Court for XXXX County, Texas, XXXX Judicial District. XXXX XXXX XXXX, XXXX XXXX XXXX Correspondent, wrote an article about XXXX and XXXX Title on XX/XX/XXXX and on XX/XX/XXXX. XXXX has used the following job titles : Vice President, XXXX XXXX XXXX XXXX XXXX XXXX ; Vice President, XXXX, XXXX by XXXX XXXX XXXX, f/k/a XXXX XXXX XXXX XXXX, Its Attorney. EXHIBIT B : Upon information and belief this said Assignment is materially false, created with the intent to defraud those who might act upon the instrument and/or the information contained therein as genuine, as there is [ no ] evidence of this Assignment registered, recorded or transferred by XXXX. More specifically, there are [ no ] transfers, conveyances by XXXX beyond XX/XX/XXXX according to XXXX XXXX XXXX. The assignment contains the MIN : XXXX after conducting a search of XXXX sight, the MIN is registered to a note dated XX/XX/XXXX. ( See : Exhibit C ). Additionally, XXXX XXXX XXXX is also an employee of XXXX XXXX XXXX and NOT and employee of XXXX. Both Assignments violate Maryland Code Criminal Law Title 8 Subtitle 6, unfair and deceptive trade practices as defined in 13-301 of the Maryland Consumer Protection Act ( MCPA ) Md. Commercial Law Code Ann, The Fair Debt Collection Practices Act 812. Furnishing certain deceptive forms [ 15 USC 1692j ] and 808. Unfair practices [ 15 USC 1692f ], 8 U.S. Code 1324c and the Maryland Mortgage Fraud Protection Act ( Md. Code, Real Prop. 7-401 et seq. and 7-402 ).Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2017-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A