Date Received: 2017-06-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I, wish to report in this complaint Ocwen Loan Servicer for fraudulent business and predatory lending practices. The aforementioned has harassed and threatened me in it 's attempt to have me to enter into a Mortgage Loan Modification, that they have no authorization to do so. They have provided fraudulent information to support their attempts, misleading and inaccurate, outdated data that has no bearing on this matter. The DEED of TRUST that I entered into was with Litton Loan Servicing and when they went out of business that agreement was legally null and void, and non-transferable. I have not entered into any agreement with the aforementioned entity, and will not do so at this time. They have no authority or standing, to pursue this matter which has now become predatory in nature in their relentless pursuit.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2017-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had lost my job i n 2014 and was in the middle of a mortgage modification with my mortgage company. I had 50 % equity in my home. In the XXXX of 2014 my mortgage was taken over by OCWEN. After two y ears of pure stress produced from foreclosure threats, confusing conversations, correspondents and refused payments, they finally modified my mortgage. During that time they lost documents, made financial mistakes and in the end added {$12000.00} more to my principle. XXXX I am now stuck with a mortgage with a deceitful, dishonest company. I know they have been sued over and over for the same reasons. If not for my own persistence and knowledge in the matter, I would have lost my home. I have recently asked them for detailed information regarding the added {$12000.00}. As usual, I received a document that makes no sense and no explanation for the added {$12000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2017-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Well once again here I am seeking help with the OCWEN customer service, now we are being sent registered mail twice a month and have them coming out 2 times this month for a mortgage inspection and twice for pictures, I have asked for the information on their contractor that is driving around out property without permission so I can file a criminal trespass complaint with the sheriff 's dept and they refuse to do so and this contractor refused to identify themselves while throwing an envelope at my wife and running off the porch, please bear in mind that this property is 15 miles out in the middle of nowhere, I hope you can understand why we are a little jumpy with strange people and cars running around. I was informed that we would be charged the certified mail charges and for the title searches and property inspections, as many, as they see fit to perform a month. And now when I call in my number has been fenced out of the automatic Identity system and I have tried calling several times and get a recording that no one is available to help me. to call back, This is ridiculous harassment does not even begin to describe what we are living through.Since my complaint to the CFPB, it seems as though that we have entered into an area where our rights as property owners do not matter. Please do not refer this complaint to the OCWEN lip service or as they call it the ombudsman, I expect the complaint to be handled at the highest level to get us some relief from the stressful situation that this GLOBAL company is creating.
Company Response:
State: TX
Zip: 793XX
Submitted Via: Web
Date Sent: 2017-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: OCWEN LOAN SERVICING, HAS REFUSED TO RESTRUCTURE MY LOAN. THEY ARE ATTEMPTING TO FORECLOSURE WITH A ROBO SIGNED ASSIGNMENT. XXXX XXXX IS ACTING AS TRUSTEE FOR XXXX XXXX. THIS TRUST HAS SEVERAL PENDING LEGAL ISSUES. THE ASSIGNMENT WAS CONVEYED AFTER THE CUT OFF DATE OF THE TRUST ACCORDING TO THE POOLING AND SERVICING AGREEMENT IN SECTION 201 ALL MORTGAGES HAD TO BE CONVEYED PRIOR TO THE CUT OFF DATE.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2017-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I applied for a Loan modification back in XX/XX/XXXX . My accou nt representative was always very helpful. They sent the document to me and I faxed it back multiple time due to " they never received them '' at the time. My account representative told me not to worry after the modification was done the account would not show late. I applied for credit last month and was denied because my mortgage was late 8 times. I connected ocwen and they sent a response that there was nothing that they could do. I do n't feel its fair that a representative told m e one thi ng and they wont hold up to their word. The dates in question are XX/XX/XXXX - XX/XX/XXXX .
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2017-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is response to complaint XXXX about OCWEN LOAN SERVICING LLC. Their actions in the matter are reprehensible and I 'm pleading with the CFPB to intervene. No one should wait over six months for a determination on modification request. There process was errant and irresponsible. I have been trying to rectify this matter for months. They made a swift determination that they could not help me shortly after my first complaint was filed. My response to the initial Ocwen reply : After initial unemployment modification ended in XXXX XXXX. Ocwen was notified that I was still unemployed. They took close to 8 months to make a determination on the new modification request. A process which they recommended I follow. This is a long time to claim system errors. They repeatedly asked for the same paperwork that we complied with multiple times. Once I became employed in XXXX XXXX, they repeatedly declined my offer to make payments or establish a different payment plan. Also, the sent me documentation stating that I can bring the loan current for approximately {$17000.00}. On the phone, the relationship manager will only accept {$39000.00}. These types of contradictions have been prevalent throughout their period of servicing the loan. Another example -Throughout their period of servicing my loan they have stated three different loan owners ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). I have personally contacted all of these banks and none claim responsibility as property listed as owners. They recently sent a letter stating that they could not find another modification because the plans they were researching all expired on XXXX XXXX XXXX. If they knew 6 months ago then why was I not informed immediately so we could discuss other options. I could have been making payment since XXXX to reduce the burden and comply with repayment requests. Now, their only recommendations are a short sale or deed in lieu of foreclosure. They purposely and maliciously extended the process to create the current situation. Again, I 've been able to make payments since XXXX, Ocwen repeatedly declined and told me to wait the for modification process to be completed. They knew from practically day one that the modifications they were researching we not available. Subsequently, after I filed my initial complaint with CFPB, my modification request went from " under review '' to " declined '' in a very brief period.
Company Response:
State: NY
Zip: 13440
Submitted Via: Web
Date Sent: 2017-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for a loan modification with the mortgage company Ocwen on XXXX and I 've noticed that they have added $ XXXXdollars on to my mortgage calling it an unpaid principal. I questioned them about it and I was told it was in the modification and I signed it so that 's that. My mortgage went from {$160000.00}. to {$250000.00}, I did not take out a second mortgage or anything like that. I ca n't believe this is legal. I have spoken with several account managers with Ocwen asking them to explain to me how their company added {$100000.00}. dollars to my account when the modification was supposed to be designed to help me. This has been a nightmare and now they have filed foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2017-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Recently discharge from a chapter XXXX bankruptcy ( XX/XX/2017 ). We have 3 mortgages with Ocwen Loan Servicing and one of three loan # XXXX is one that we are having problems with. This account is showing {$5900.00} as Escrow Balance. The address of the property is XXXX XXXX XXXX, XXXX, Florida XXXX. I request a release of the escrow funds & have been refuse. There has not been an escrow payment attached to this account because of there refusal to make payments to the insurance company & tax dept. I was advised by the attorney to stop the escrow & insurance payments to them. All payments were stopped until the amount sent to them was satisfied, then payments were resumed. We would be satisfied with these funds being applied to the principal of the loan but it should n't remain in an escrow account. Our monthly payments ( principal & interest ) is {$120.00} a month.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2017-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I started paperwork for a modification with Ocwen Loan Servicing XX/XX/XXXX. At that time I was paying 5.5 % with notes apprx. {$1400.00} per month. The goal was to get under 4 %. I was approved for a 3 month trial in XX/XX/XXXX and structured to pay XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at a reduced payment ( which would be very close to final payment, escrow included once trial was over ). That payment is {$1000.00} and I paid the 3 month trial. During that time the so-called relationship mangers assigned to me stood me up, which is terrible since I am a XXXX old senior and I made sure to be by the phone, even skipping several Dr. appointments and rescheduling some for not. After the completion of the three months, ( screenshots attached ) I was approved for a " permanent modification ''. I saw that throughout XX/XX/XXXX and until today. The note follows when I log into my Ocwen account I should be watching my mail for the final package. Never showed, instead I get a call from a very rude XXXX XXXX out of XXXX, Tx stating the Quit claim deed and deed copy on file were not enough and I needed to get my ex spouse ( whom I have n't seen in 5 years ) to sign and get notarized a special warranty deed. I had, and have documentation that this modification was indeed fine on my signature alone and I asked this long before all this began and during the early stages of the process. I did not know Ocwen was under such scrutiny for misconduct and unfair behavior to customers when I started this. I had already had a belly full of their harassment and lies including bushels of mail over the years and calls for my ex spouse, and that ran a few of my potential new fianc/partners away!!! My present potential new partner/ fianc is scared to death! She was planning on selling her home and making a life with me at my address. They promised me, and I have the email in XX/XX/XXXX that they would cease to mail anything with her name on it to my home. I understood her name would remain on the debt/loan but I was n't going to be responsible for getting her mail to her via sent to me. Ridiculous. That lasted maybe 3 months and the flood of mail with her name started again and continues today. It 's a shame they kick people around like this, I have had to increase my XXXX XXXX meds and live in fear with the lack of trust in anything they say. They refused to give me the title company full name and contact. They said " We can only tell you XXXX XXXX '', quote. I called XXXX XXXX XXXX and spoke with a ranking official for 30 minutes who could not locate anything on me or my address, but did state during her 15 years in the business I should be entitled to the title companies " XXXX XXXX '' and contact info. I emailed Ocwen and replied sending me a copy of the original title when I closed on my home in XX/XX/XXXX. I advised I needed the current info. No response, except then I get a letter ( attached ) stating my request if vague or whatever I wanted was unclear, this datedXX/XX/XXXX, and my modification was approved for permanent and just give them time to send the paperwork to me. So, see my point. I have addressed this to the BBB, which has almost 2,000 complaints on Ocwen already and have assigned them a rating of " F ''. Terrible!!!
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2017-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I hired a company last XX/XX/2016 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/2016 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: 109XX
Submitted Via: Web
Date Sent: 2017-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A