Date Received: 2017-06-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This complaint concern XXXX XXXX XXXX XXXX and Ocwen Loan Servicing failure to approve me a loan modification from XX/XX/XXXX.My loan was backed by the Department of Veterans Affairs and neither bank tried to help be keep my home even though the President allocated monies to help veterans. I first applied for a loan modification on XX/XX/XXXX with XXXX. XXXX denied HAMP due to origination dafter after XXXX/XXXX/XXXX and because they were looking for another solution. Since I was denied loan modification, I had to file chapter XXXX bankruptcy on XX/XX/XXXX on to keep XXXX from Foreclosing. I received a foreclosure from letter from XXXX XXXX XXXX, XXXX days after I filed for bankruptcy. XXXX and XXXX XXXX XXXX were unaware that filed. I was told to disregard letter from XXXX XXXX XXXX. While actively in bankruptcy, I continued to apply for loan modifications, and each time ( XXXX, XXXX, XXXX, XXXX ) I was denied. I kept them from foreclosing by exposing them on XXXX. Finally, I was approved for XXXX in XX/XX/XXXX. I paid Ocwen about {$10000.00} to bring account current. Through this ordeal my mental and physical health failed me. They wanted me to be homeless but I fought them to the end. I was placed on administrative XX/XX/XXXX and my gross pay was {$4200.00}, but net pay was about {$2600.00}. I could pay mortgage, utilities, and buy food. I chose to pay utilities and buy food because I was still behind on mortgage payments. I was relentless because my daughter and I would have no place to go, and more than likely I would not be able to get an apartment because of bad credit. It was terrifying to live everyday with the possibility of being forced out of your home even you sought assistance and assistance was there but not for me, a veteran. I was discharged from bankruptcy on XX/XX/XXXX, but I still could n't pay mortgage until XXXX XXXX. XX/XX/XXXX, I received my first XXXX check from the XXXX XXXX of Alabama in the amount of {$2000.00}. {$1400.00} was deposited in my checking account because {$130.00} went to taxes, {$440.00} went to XXXX XXXX XXXX ( single coverage ), and {$11.00} for XXXX dues. I definitely could n't pay mortgage, utilities, and buy food. Once again, I paid utilities and bought food. I applied another loan modification because I lost 50 % of my income. Again, I was denied. From XX/XX/XXXX - XX/XX/XXXX, my daughter and I lived off {$1400.00}. I suffer from XXXX, XXXX XXXX XXXX, and XXXX I am filing a complaint now is because I read an article on the Internet that Ocwen has to pay back billions for underhanded things and foreclosed on people homes. I could have easily been on of them.
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2017-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I went online in XX/XX/XXXX to make my payment for XX/XX/XXXX and noticed that my information had been changed including the amount due, the due date online reflected next payment due of XX/XX/XXXX and the due date should have been XX/XX/XXXX ) as a result of someone changing my due date I could not make my payment for XX/XX/XXXX on line as a result of my due date being altered. Up to this point I have not had any problems making my payments on line.
My assumption is that when my Chapter XXXX Trustee sent a request to the Ocwen on XX/XX/XXXX for Final Cure Payment the cashier did an assessment of my account to respond to the request and he/she changed/altered the due date. They completely re-applied my funds which resulted in them listing my account as past due as a result this locked me of my account on line preventing me from making a payment. Initially, on XX/XX/XXXX Ocwen 's response to the Trustee 's request was that my next payment due was XX/XX/XXXX which was correct information, the very next day they sent an amended respond the next payment due was XX/XX/XXXX which was incorrect. At this point was when I noticed my funds were being REVERSED resulting in the cashier listing my account as past due. In addition, the amount due was incorrect ; it reflected an amount due of {$660.00 } ( m y monthly payments are {$1100.00}. ) My account reflected {$660.00} due actually prior to the assessment of my account. I had not received any letters of explanation as to why the payment amount changed for XX/XX/XXXX . As of the date of this complaint I have not received an explanation as to why the payment due for XX/XX/XXXX decreased to {$660.00} and they now have it the same for amount due for XX/XX/XXXX is {$660.00}. Again, the information online is stating amount due for XX/XX/XXXX is {$660.00} and my payment for XX/XX/XXXX is paid and was paid for the amou nt of {$1100.00}. Also, under the Recent Payment History : on XX/XX/XXXX , it was listed twice as {$1100.00} payment Rev. Which indicated to me that once again someone has re-applyed my funds incorrectly which always results in and error with regard to my due date. I tried to resolve this issue with Ocwen I spoke to a representative on XX/XX/XXXX agent # XXXX and learned that the funds had been reapplied by the Cashier Department with no notation as to why on XX/XX/XXXX this had been done. I also learned that an amount of {$490.00} was placed in suspension but no explanation as to why. The agent had me speak to an Escalation Manager in the BK department Agent ID # XXXX who stated he would have my concerns researched and send me an email of the findings which usually takes 10 business days. In short what I received was what looks to be an Excel document of payments with : date due, due amount, date paid and paid amounts columns dating back to XX/XX/XXXX and the date due and date paid columns totally do not make any sense what so ever and the amounts and date column are have been absolutely inaccurately entered. And the end result is that they still have my account as past due when my account is current. I went through a similar situation that occurred in XX/XX/XXXX with Ocwen where my funds were not being applied correctly now once again I am faced with this issue where once again my funds have been altered and reapplied and now resulting in my account being listed as past. Ocwen acquired my loan in XX/XX/XXXX my account was current and to date I have never missed a payment.Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2017-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen s ettled my conventional loan with a DIL, which I wanted, and I am no longer in procession of the house. However, I also had a home equity loan as a XXXX lien. We negotiated the $ XXXX balance down to {$23000.00} of which I paid off {$11000.00} in XXXX XXXX . I have letters from Ocwen st ating they would pay the remaining {$12000.00} with th e Hafa program. T he DIL was finalized on XXXX XXXX , XXXX . However, Ocwen fail ed to pay off the XXXX lien to XXXX Bank. The loan was initially given to XXXX XXXX and now the law firm of XXXX XXXX XXXX XXXX XXXX XXXX is handling it. They just contacted me have given me until the end of the month to pay the remaining balance that Ocwen ne ver paid or they are taking me to court. I have contacted people fro m Ocwen and they say they are taking care of it and that they needed a letter from me to discuss the file with the law firm in which I provided. Because of Ocwens history of being able to complete things on time I am worried that this will not happen before XXXX / XXXX / XXXX . If that is the case, I plan to su e Ocwen for whatever amount XXXX XXXX takes me to court for which could be anywhere from $ XXXX {$25000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2017-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XXXX XXXX at XXXX XXXX I received a voice mail from Ocwen stating that the message was " an attempt to clergy a debt. '' On XXXX XXXX at XXXX XXXX I received the same call with the same message. I am certain that this is a violation of the FDCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19460
Submitted Via: Web
Date Sent: 2017-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To Whom It May Concern : I discovered that XXXX of my mortgage payment was not applied to my mortgage. This caused my reinstatement amount to be higher than required because my payment was not applied. I have provided proof to Ocwen from my bank that clearly shows the payment was ACH debited from my account. The payment was not NSF and it is obvious my payment was applied to another account or not applied at all. I am contacting my bank to provide the ACH debit tracking number so Ocwen can easily trace what account this payment was applied to. The payment was withdrawn from my checking account ; however, the mortgage company ( Ocwen ) i s stating a third party servicer used by XXXX stated the payment was returned NSF. Thus, the payment was not applied to my mortgage account. I am not sure this is true or not - please research and contact the required third party servicers and parties involved to determine what happened to my payment. The payment was deducted from my account on XXXX / XXXX / XXXX in the amount of {$1000.00}. Here is the information provided to me from my bank : Yo u may provide the following information to the mortgage company. Our records indicate the Trace Number is XXXX for the electronic payment, t he Effective Date i s XXXX XXXX , XXXX , and the Amount is {$1000.00}. Additionally, t he US Cu stomer Identification Number is XXXX , the Company Name is XXXX , Company Identification : XXXX Regards,
Company Response:
State: AL
Zip: 35173
Submitted Via: Web
Date Sent: 2017-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In lat e XX/XX/XXXX , I applied for a loan modification wi th Ocwen Mortgage as m y family lost an income. I was behind in payments about 3 months but I offered to pay the amount in full during my modific ation application process. Ocwen advised they would my defaulted payments to the end of my mortgage so no need to pay anything at the time. Each time I applied and followed up with Ocwen, they were " missing '' something. I think the first time they were missing my income verification which I sent to them 3 times. My husband had monthly calls with Ocwen and was not advised of anything being a problem. However, during these calls, Ocwen would advise that my pending application had expired and I had to apply again. I applied 3 t imes and again, they were always missing something when my husband had his monthly call with them. I believe th e 2nd application was missing tax returns which I sent over multiple times. Every time we spoke with Ocwen, they advised my modification was under review. In XX/XX/XXXX , the new owner of my house that was foreclosed on and sold at auction showed up at my front door. I called Ocwen and asked why we were n't notified that we entered into foreclosure the 20 times we talked with them. They did n't have an answer. I believe they sent a certified letter about a month before but I never signed for it. My mother, who lives with me and has XXXX , may have signed and k ept the letter but we never did find it even when I had to vacate my mother, mother in law and XXXX children. Every time my husband spoke wit h Ocwen, he asked about foreclosure and he was advised we were NOT being foreclosed on and they would give us plenty of notice. Again, I offered to pay what I owed in arrears b ut Ocwen sugge sted each time that they prefer to add what I owed to the end of the mortgage. Not only did I lose my equity in a house I owned for 13 years but I no longer have an impeccable credit history. Fortunately, I found a landlord willing to take a chance on me and live in a very nice home with my children and mother. In fact, my landlord asked if I would please renew my lease as he wishes all his tenants were like me. I only mention this because I went through such an ord eal with Ocwen and feel like I was blatantly lied to every time I talked to them. The emotional toll this has taken on my family is beyond measurable. Thank you, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75022
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have asked my relationship manager, XXXX XXXX , by phone and email if our loan can be non-escrowed and have not received a response. He has not responded to my email regarding this issue dated XXXX / XXXX / XXXX . I have tried calling Ocwen customer support and Ocwen 's Ombudsman office, but no one other than the relationship manager is allowed to speak to me regarding my account and he does n't respond to my requests. Ocwen 's legal law firm, XXXX XXXX , responds to my complaints, but does not address all of the issues raised in the complaint. I sent an email to their legal counsel on XXXX XXXX addressing the concerns that were not addressed in my last complaint. As of XXXX XXXX , he has not responded to my email.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The companies : XXXX XXXXAmerican Home/Ocwen The following events show the predator activities that have impacted our mortgage : In late XX/XX/XXXX, we negotiated to refinance at a 4 % rate with XXXX XXXX, primarily to avoid a balloon interest increase by XXXX XXXX from 7.6 % to 9.7 %. We were told that in order to increase our credit score they would require 9.75 % interest rate for one or two months and then the rate would go to 4 %. We were also told that an equity amount of {$48000.00} could be taken to help with payments and any other bills. XXXX XXXX charged us {$10000.00} as settlement fees in XX/XX/XXXX. When papers arrived months later, we realized they had just raised the principle amount of the new loan by the equity amount we had taken out. When we questioned this action they reassured us that the reduced interest rate, which would lower our monthly payment, would correct everything. These papers were postdated to XX/XX/XXXX To avoid the balloon payment with XXXX XXXX we felt we had no choice but to sign the papers. This 9.75 % rate continued through XX/XX/XXXX. Obviously not 1 or 2 months as promised ( Charged for more than 1 year ). Finally, the interest rate was placed at 5 % XX/XX/XXXX but the principle was inflated and did not reflect any payments that were made at 9.75 %. We called every mortgage agency we could find, even the FBI, trying to claim predator loan activity. We filled out a complaint form with the Mortgage Lending Division. We did not get any information on our case. Approximately a year later we called their office again and learned that XXXX XXXX and XXXX XXXX had been found guilty and fined. However, their fines were being forgiven because XXXX XXXX told them we were happy getting the loan. Incredibly, we were not asked about this! XXXX XXXX transfers mortgage to American Home : A step interest rate plan starts on : XX/XX/XXXXat 2 % interest rate until,XX/XX/XXXXthis changes to 2.5 %, XX/XX/XXXXthis changes to 3 %, XX/XX/XXXX this changes to 4.99 % We called and sent a letter stating incorrect amounts on the settlement papers. These were ignored and we were told we had to sign the papers or forfeit getting the new plan for a reduced mortgage rate. In the settlement papers they charged XXXX of unpaid interest this interest had been paid in our prior monthly payments and we should not have been doubled charged. The new principle for this loan was {$320000.00}. This is the amount That we started with plus the equity amount we received {$48000.00} which was used to pay the inflated monthly 9.75 % for more than a year We filed papers for a HAMP modification in XX/XX/XXXX ( approx ) and sent requested papers for almost 2 yrs. In XX/XX/XXXX we were told that we had already had 3 Hamp modifications. Since settlement fees were always charged these were In-House refis not HAMP. American Home becomes Ocwen : Our loan was sold to OCWEN. A transfer fee was charged to us for the selling of this loan - this amount just suddenly showed up on our monthly mortgage statement. Because of these charges, despite paying the monthly mortgage amount, we apparently are not considered maintaining the account on time. The mortgage is in my husbands name only. He has recently passed away and the mortgage representatives refuse to speak to me. I am pleading with someone to review the files and help me keep my home.
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2017-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX approved a loan modification for me then transferred my loan to Ocwen inXX/XX/XXXX. When my loan got to Ocwen they wouldnt accept the modification that was already in place with XXXX. I have been trying to find out what happened to the notarized package that was sent in XX/XX/XXXX, and why Ocwen wouldnt accept what XXXX had already approved for me. Please help me! I have been in my home 24years and I dont have anywhere else to live once my home is sold on XX/XX/XXXX. I didnt just leave my home like many other homeowners would have done. XX/XX/XXXX to Present Ocwen has been denying me the Modification that I had in place in XX/XX/XXXX. Ocwen didnt acknowledge ever receiving my XXXX Notarized Documents of XX/XX/XXXXuntilXX/XX/XXXX. I continued from XX/XX/XXXX to present to ask for my modification but I continue to get letters from Ocwen saying " Investor Doesent Participate in the HAMP ''. Ocwen wanted me to leave my home and I didnt. I did nothing wrong. My loan transferred to Ocwen and once my documents go to them, the process stopped. Ocwen didnt tell me about my Notarized Documents until 5years later. When my loan transferred to Ocwen in XX/XX/XXXX, I owed {$31000.00} in Arrears, today my Arrears are {$370.00}.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage wi th Ocwen Loan Servicing and i hav e always made my payments on time. I received a payment coupon in XXXX and it showed my payment was going from {$830.00} to {$1700.00}. I was not given a reason why the payment was going up. My wife spoke to multiple people at Ocwen and found out the reason the payment was going up was due to a mix up with the insurance. Ocwen s upposedly got the insurance problem fixed and told me the XXXX payment was to be {$830.00} and that if I paid {$500.00} toward the escrow account my XXXX payment would be {$830.00}. I mailed a payment to Owcen for t he {$830.00} which was cashed on the XXXX and now Ocwen is tell ing me they never recevied that payme nt. Ocwen the n refunded me {$870.00} on XXXX the XXXX and are now telling me the XXXX payment was never received and are now reporting me delinquent with the credit bureaus. I 've got nothing but a run around with Ocwen and just want to get this resolved as soon as possible. Ocwen has directed me to send a copy of the cancelled check that they cashed to their research department. I 'm just a fraid this process is going to take too long. They have already sent me a notice that they are going to foreclose if I do n't bring my account current.
Company Response:
State: CA
Zip: 92395
Submitted Via: Web
Date Sent: 2017-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A