Date Received: 2017-06-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: in XXXX I went through a divorce after XXXX years of marriage. I am now a single mom of XXXX children, XXXX in college and XXXX in high school. Along with the divorce we filed bankruptcy due to the retirement of my ex-husband due to his diagnosis of a severe XXXX XXXX and I lost my job after the business where I was the XXXX closed there Oklahoma office, both of my parents were critically ill and the death of my father all within a year. These combinations caused a serious financial hardship. After I reaffirmed the loan and over the next 5 years I entered into another relationship and the loan payments where caught up and paid on time for 5 years. Approximately 1.5 years ago this relationship ended and I changed jobs so I could be home with my children. Subsequently I got behind on my mortgage payment by one month. Several months later I got behind another payment because of some issues with my son becoming sick and my mother died. At this point I was behind by two payments and called the mortgage company and ask if I could make some arrangements to make up the payments by increasing my payments over a few months. The arrangements were set up with the OCWEN representative and I agreed to the terms. A week or so later I received a letter that said the arrangements were not approved by " management '' and I would have to apply for a loan modification. I finally decided in XXXX XXXX that I needed to apply for the loan modification and gathered all the documents that OCWEN required for the loan modification. I received a letter back asking for some very surprising documents and asking for the signature of my ex-husband, even though I had sent in my divorce decree and the quit claim deed on the house and a new loan was issued 5 years previously with only my income and in my name only. I called OCWEN and they were less than accommodating, I spoke with someone that could not answer my questions and could barely speak English. I ask to talk to my relationship manager and was told I would have to make an appointment for her to call me and the soonest she would be available was appropriately 4 weeks away. I was extremely disappointed and ask if I could make an appointment with someone else and that was 2-3 weeks. So this person called and I got another person that could not speak English and could not answer my questions. I explained that the documents they requested had already been sent in but they said that was n't good enough and they wanted more. So I sent those documents. I never heard a word from them so I called again. This person told me I needed more documents and I tried to explain that they already had those documents and ask if I could talk to my relationship manager ( XXXX XXXX XXXX ) Another 3 weeks!!! She finally called me 3 weeks later and she was less helpful than the other people I had spoken too! She told me they now needed new documents of my pay stubs and they wanted my bank statements to prove that I was putting my money I was getting for child support and my pension in my bank account. ( Not sure what they thought I was doing with it ). I explained I did not understand considering I had clear documentation that I was receiving this money and they already had it, when I tried to ask questions the phone line went dead, I waited about 15 minutes for her to call back and nothing so I tried to call back and I could not get through on her phone line ( it appeared blocked ). So I sent those documents in and ask them to confirm they got them. I received an email after a few weeks that I had not sent them through my email address so they would n't except them even though all the documents were addressed to me. ( I had used my finances email address ). I waited again and heard nothing for weeks. I started receiving letters from every bankruptcy attorney in the city and people wanting to buy my house I realized they had filed foreclosure on my house. So I called OCWEN again to see why they had filed a foreclosure on the house when I was waiting for a reply on my loan modification and they had all the documents they had requested. I was then put on hold for about 10-15 minutes. She finally came back, this time I was told that they had not received any documents since XXXX XXXX and I had missed another payment so they had every right to foreclose on the house. I told her that I had the emails that showed I had sent all the documents and they had sent me confirmation back that they had gotten them. She coldly told me that I would just have to start completely over on the loan modification and that I had not done what I was suppose to do so they had every right to foreclose on my house, no sympathy and no offer of help. I was obviously upset and explained they had not sent any communication to me, they had n't called me! I was waiting on them to send me either a denial or the paperwork for the loan modification. I was told they could not call me without an appointment because I had filed bankruptcy, I had been told this multiple times when I had called them. I ask how they could possibly accomplish this without talking to me??? I tried to explain that I had done everything they had ask me to do and I said two curse words in my sentences, my words being " you have to be XXXX XXXX kidding me ''. ( not directed at her ). I was trying to explain that I had sent them everything they had ask for and they needed to look into it and she hung up on me telling me that she did n't have to listen to that language. I immediately sent an email directed to my relationship manager with all the documents attached that I had sent in XXXX, XXXX and XXXX. This was in addition to the very complete package I had sent to them by XXXX XXXX in XXXX with the initial application for my loan modification. I also had followeofd up by phone on many, many occasions and made multiple appointments for relationship managers to call me. After every attempt to resolve this I always finished my communication with the same impression, they are trying to drag this out because they know they will make money on my house and they are not trying to complete this loan modification. After sending these emails again I still have not heard a word!!! Please help in anyway possible! I have never felt so helpless in all my life. If only they could understand the distress that this is putting on so many families that did n't choose to deal with this horrible company. When I read the information I found on this site I realized I was n't alone and I wanted to share this ever so distressing story about OCWEN Loan Servicing. Please help stop them from hurting more families!
Company Response:
State: OK
Zip: 74012
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We are trying to settle with Ocwen/ XXXX XXXX The original loan amount was $ XXXX . Due to misapplication of payments XXXX started foreclosure. We are trying to settle with them, CFPB talks about principle reductions but XXXX considers all high interest added to the original mortgage amount - principle. We have over $ 300k in interest they want to add to the principle. What does CFPB consider principle?
Company Response:
State: MA
Zip: 02026
Submitted Via: Web
Date Sent: 2017-06-14
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: I have filed this complaint 3 times now. with the CFPB. All I get is a standard letter full of more lies from Ocwen. We were told on numerous occasions that our past due taxes would be included in our payment and it said it in our modification paperwork that we signed. On SEVERAL occasions an Ocwen representative told us that our modification would include our past taxes. Well they LIED. If we were told the truth we would of negotiated it differently. I believe that is a violation of UDAAP. I specifically said that " I was glad that the past taxes would be included as we could not afford to pay them in addition to the new modified loan payment. '' They have that recorded message also. Our modification papers that we signed said that the new principal balance includes all amounts and arrearages that are past due. The everyday American would believe that include their taxes if they are past due ESPECIALLY when the lender has assured and reassured them ( us ) that it did. But they are crooks and apparently crooks can get away with what ever they like. Oh, and the debt forgiveness, we were told was supposed to be a specific amount each year for 3 years. That was an other lie. They violated the law and nailed us with the entire amount all in one year. I will be alerting the IRS about that as well. If you cant believe what your lender tells you and puts in writing then there is a problem. So were are CC'ing our congressmen and women starting with XXXX XXXX asking them for help and to pass a law to STOP lenders with violating the law. I 'm tired of Ocwen paying their way out of being held responsible. They need to be held responsible to their customers.
Ocwen is in violation of UDAAP-Unfair Deceptive Abusive Acts & Practices. They bought our loan and reassured us a number or times that our past taxes would be included in the new modified loan amount. They also went as far to say that the only way the payment would go up was if our property taxes went up. We have a 23 year fixed loan on a Shared Loan Modification plan with Ocwen. For the first year our payment stayed the same as it should because its a fixed loan. The following 3+ years our payment went up more than {$850.00} a month. Upon further investigation we found that a ) they were charging us for taxes that were previously collected by our prior lender thus double dipping, & b ) they are also charging us for taxes that they told us several times would be included in the new loan amount, we have proof. This has caused us substantial monetary injury due to this unfair practice. Ocwen has notified us ( we have proof ) that it will continue to go up, thus eventually forcing us out of our home which we believe was their end game to begin with. We could not avoid this injury since the material information about the pricing was modified and or withheld after we committed to the purchasing of the product therefore unable to avoid the injury. Ocwen also charged us for 18 property inspections totalling {$180.00} and 6 valuations totalling {$650.00} for a grand total of {$840.00}. An Ocwen representative sent us the paperwork with all of this information on it when we complained about not receiving a copy of our appraisal for over a year. We had to file a complaint with the CFPB in 2015 to legally get a copy of our appraisal from Ocwen. Upon further investigation of the Ocwen sent document we noticed that they applied our first 3 mortgage payments but then reversed the last payment as if they never received it. So it appears as if we only made 2 payments when we made three. This amount is {$3600.00}. Since I started this letter Ocwen has credited us for the misplaced payment but still owes us lates fees and interest they charged us for the four years that THEY lost our payment and want this money back! OCWEN told us that they would open a ticket and look into this that was 60 days ago with no further contact. At the time this was going on Ocwen was being sued in Federal Court. We found this out after the fact or we would of put in a claim for fraudulent fee charges. To rectify this matter this is what needs to happen. Ocwen will refund us for the following in the form of a check 1. ) {$180.00} -- for the XXXX inspections XXXX -- for the XXXX evaluations -- totaling & XXXX . We want a check issued to us. They have charged us more than this on a monthly bassi on a fixed loan for the last 3 years considering they have fraudulently increased our payment now {$850.00} a MONTH! We work hard for our money and want it back 2. ) Regarding the misapplied mtg. amt. of {$3600.00} that was just applied to our loan.- and was lost for 4 years we want all late fees and interest that we paid on an inaccurate balance credited back to us. We more interest for 4 years on a payment they lost. We want detailed notarized proof. 3. ) Regarding property taxes ; we had an escrow account with our past lender and now Ocwen is telling us we owe them for those taxes. That is double dipping and illegal but they are doing it knowing that the only option we have is to pay it or go back into Foreclosure which is their end game we believe. There are also past taxes that we were assured several times from Ocwen that would be included in the new loan, their paperwork even says this and they are hitting us for those as well. By our accounting and a third party would need to check this. They owe us {$14000.00} approx. Grand total {$16000.00} and we want a refund To all congressmen and women reading this. We have a suggestion. Since Ocwen does n't mind being fined millions of dollars I propose the following ; have the public police them. Every time one of their customers finds an error that Ocwen has to pay it back 10 fold ( ten times the offense ) to the borrower up to a certain dollar amount and after that dollar amount Ocwen needs to pay off the loan on the home ( not showing it as a write off that would negatively affect the owner ) thus buying the borrower their home. Maybe, just maybe if their millions of borrowers were watching their every move they would conduct their business legally esp. if they ran the risk of loosing the notes by paying them off in the borrowers behalf. I know it sounds crazy but considering their track record its not really that crazy.Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2017-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed bankruptcy years ago, case number XXXX and XXXX XXXX XXXX XXXX COMPANY AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDERS OF XXXX XXXX XXXX MORTGAGE PASS THROUGH CERTIFICATES SERIES XXXX , intervened in the bankruptcy. I was informed that my mortgage and note was transferred into that trust, some years ago, if this is true I would like to know when it was transferred. XXXX XXXX informed me that they have no interest in the property located at XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX and I am trying to determine if the Mortgage is in that trust or not because I keep getting contradicting info. I have sent sever al Debt Validation Letters and Qualified Written Requests, which have gone unanswered. I would like the contact information for the Trustee. I am trying to get clear title
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2017-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Currently, I have a XXXX mortgage with OCWEN Loan Servicing. Over th e last 3 months I have noticed that the payments are being applied to my checking account for deposit close to the late notice deadline, the XXXX of each month. In fact, two months back, I was charged a late fee although the payment was sent on the first of the month, before the deadline. I immediately started to receive threating foreclosure calls to my home. This prompted me to start tracking check deposit dates which in all cases were close to the XX/XX/XXXX . This month, XX/XX/XXXX the payment was mailed with 2 day delivery ( through the postal service ) and the check was not deposited until XX/XX/XXXX .
I am concerned that this company is being intentional about late payments and perhaps derogatory credit rating. It was troubling that with a late payment ( which was their delay ) that calls started immediately to home threating foreclosure. I am concerned about this company and their practices.Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2017-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: After speaking with the lenders legal counsel today they confirmed ocwen received the QWR - NOE - TPA on XXXX / XXXX / XXXX and has not submitted a request for postponement in order to validate the debt owed and allow the homeowner to make arrangements. Their legal counsel received a 5 day notice of error and has failed to cancel the sale.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80219
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My husband took out a mortgage on our property in XX/XX/XXXX. I am on the deed but not on the mortgage. My husband passed away in XX/XX/XXXX. I paid the mortgage until XX/XX/XXXX. I was never permitted to speak to Ocwen because they said I was not on the mortgage.. When I stopped paying the mortgage and asked for a loan modification, then they spoke to me. Since XX/XX/XXXX, I have attempted to obtain a modification. They constantly say documentation is missing. I get off the phone and immediately refax it to them and the next time they communicate it 's still missing. I was never notified about who my loan was sold to. The borrower is supposed to be furnished with the name, address and phone no. Of the owner. This never occurred. I finally pushed to see who presently owns the loan and was given vague information so we really do n't know who the owner is. Aside from this fact the modification never came through and OCWEN keeps demanding that I sign a family transfer package. They have made no commitment for a modification, so I have been told by my attorney not to sign the papers. Also, I have been a XXXX XXXX and I am well aware that they are stalling and have no intention of giving me the modification. They often call and their reps are hard to understand and leave garbled messages. This co. Is a joke and is scamming the consumer.
Company Response:
State: NY
Zip: 11552
Submitted Via: Web
Date Sent: 2017-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have a legal obligation to this company.There are no signed contracts with them. Yet they have reported the debt as delinquent to the credit bureaus. I have provided them with court documents providing proof of the current and legimate mortgage holder. They continue to harass me with constant mailings. This has been going on for months. They are a debt collection agency posing as a mortgage company.Their reporting date is XXXX 2010. Also they have issued an insurance policy WITHOUT my signature on an insurance application and without having insurable interest. Totalling illegal yet they are allowed to continue to operate.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2017-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen is the server for the XXXX XXXX mortgage loan on our principle residence. After we filed for Chapter XXXX Ocwen had us go into a payment plan which was above the plan payment amount, we did so anyway. The papers were brought to the house for us to sign and modification was outside the Trustees knowledge and the payment was above the plans budgeted amount. We had a medical emergency afterward in XX/XX/XXXX and missed a payment but Ocwen would not work with us to get back on track. In XX/XX/XXXX, we were still in a 5 year plan and Ocwen signed the Mortgage Settlement Agreement but would not work with us to save our home or offer a modification. We responded by email through our attorney that we were very interested in modification and workout but no action was taken. I called several times thereafter and Ocwen refused to talked to me. I tried to send emails and they would go unanswered and sent checks but they were never cashed. We received NO statements from Ocwen or XXXX XXXX. Email came from ________________ Now as of XX/XX/XXXX and after I applied for HAMP XXXX XXXX objected to our Bankruptcy in XX/XX/XXXX after the application for Home Retention and HAMP, and is trying to get our Chapter XXXX dismissed and we were 6 months from final payment to the court and no less than 3 months. We do not know and have asked were the money that was sent to the Trustee to Ocwen has gone. We still have not statement. The attached Uncured Default notice to the Trustee includes the escrow account money but I have received yet a different statement from a different law firm regarding this matter. The Escrow statement shows payment FHA and our loan is not an FHA. So it is incorrect. The Stipulation is also incorrect as the balance owing is {$250000.00} according to credit reports. XXXX XXXX attorney through the Stipulation has taken away our rights our Bankruptcy rights and we believe they are affecting the modification process. A Ocwen employee told me that the " lender '' felt their is equity and so they were foreclosing. The NPV values were never given to us after they were requested and FDIC worksheets that I provided to Ocwen show us passing and not failing the NPV test. The attorney is continuing to seek Dismissal of the Chapter XXXX Plan even though they had agreed to wait for Modification decision. Also very similarly we found legal documents against XXXX XXXX that are very much the same complaints of that which is included in the Stipulation our attorney signed despite us telling him we did not know enough to make a decision so quickly. XXXX XXXX XXXX is not familiar with this process, he is in over his head with our case. I would like your office to review the Stipulation and the Consent Orders previously citing XXXX XXXX for foreclosure action that was not allowable or failed to give the borrower protections. XXXX XXXX attorney is trying to catch us on the payment due on the XX/XX/XXXX but they gave us no other way to make the payment but by mail. Ocwen is taking over 2 weeks to cash the mortgage payment checks we are mailing before the XX/XX/XXXX of each month. XXXX XXXX and Ocwen have not help us in away to retain the home despite all the Treasury agreements with the federal government or XXXX XXXX previous Consent Order.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2017-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Tried to pay, They did not apply the funds, instead in suspense account I stopped paying when the could not explain this. All calls directed to call center in XXXX . I can not understand the people Asked for reinstement quote which I received They can not break down the charges in the escrow portion Gave phone number and said I needed to fax request, which I did, No response I have called them at least 5 times. I am scared as the house is in foreclosure
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94704
Submitted Via: Web
Date Sent: 2017-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A