Date Received: 2017-06-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was approved for a loan modification back in XXXX 2017. I was provided the trial modification agreement which required my signatures, in which I executed and used the prepaid return label provided by Ocwen to send the agreement back. I was told that they never received it so they sent me another package, in which I signed and mailed back also. I made the first trial payment in XXXX, and then again in XXXX, both times in which Ocwen accepted and processed my payments. Then on XXXX XXXX 2017, they informed me they still did not receive the signed agreement, again I was provided another return label from them and mailed the signed agreement back. Then I was informed that they canceled the trial modification because the agreement was never received, which can not be possible as I mailed it to them using their return label 3 different times. I am now being told that the modification is voided and I have to start over from square one and I now have an active foreclosure sale. Something is seriously wrong in this because I would not jeopardize the offer they provided and I made sure to comply with all their requests. I am uncertain why the labels they provided are not being directed to the correct department and now my 3 signed agreements are lost in action.
Company Response:
State: CA
Zip: 92236
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX / XXXX / XXXX , XXXX / XXXX / XXXX & XXXX / XXXX / XXXX Are just a few of the dates I 've sent Letters of Dispute to Ocwen/ XXXX XXXX re : Disputes on several Descriptions on Payoff Quotes. I 've provide d Proof of Payments from my Online ban king with XXXX and still had to pay the disputed amounts on XXXX / XXXX / XXXX to clear title and close home without going into Breach of Contract for not closing on time. The amounts disputed are on the XXXX XXXX XXXX XXXX Seller 's Statement : {$3900.00} owed for interest, which, again, I provided Proof of Payments, Escrow advance of {$340.00}, {$600.00} Projected Property Inspection fee, {$270.00} Proof of Claim and adjust double charge on Ocwen paying Property Taxes thru XXXX / XXXX / XXXX and closing occurred on XXXX / XXXX / XXXX and title company collected for XXXX / XXXX / XXXX to XXXX / XXXX / XXXX .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97128
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a mortgage from XXXX XXXX which is administered by Ocwen. I have an XXXX from XXXXXXXX XXXX University which was ranked # 14 in the country when I graduated so I understand financial instruments. I have a buyer for the house, but instead of the amount owed being a Current Principal Balance {$46000.00}, Ocwen said it was {$58000.00}. I was alarmed because my expectations were the balance is less on an early pay off. I questioned the account manager and here are some of the charges that were either ambiguous by name or just false. {$250.00} for house appraisal, never happened never heard what the established value was. The list went on {$2700.00}, {$160.00}, {$1200.00}, {$160.00}, {$17.00}, {$19.00}, {$700.00}, {$400.00}. I had him stop there. I had to press him extremely hard to find out all my options. At one time upon their own volition they did a " streamnline mortgage ''. I neither ask for it in writing or verbally. I missed a XXXX payment, but made the XXXX payment. In XXXX I tried to make a payment, but they refused to accept it stating I was over 89 days past due. In an earlier conversation the representative told me specifically you now do not get locked out until 120 days past. This was again corroborated today XX/XX/XXXX. The XXXX payment should have been accepted by Ocwen but they created a false prohibition using a previous policy that had ben modified. I was then told I was not eligible for HAMP after XXXX XXXX? I have a buyer that will take the property and the balance will be paid. With the additional {$12000.00} they have become reluctant and Ocwen has served me with papers fron the sheriff. This is highway robbery made up fees and charges for things never done or without clear definitions of these fictional charges No explanation. I need help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2017-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Requested a Loan Modification i n XXXX XXXX to whence, after this request was consistently told from one moment to the next, the modification was incomplete yet no one could tell me what exactly or explain precisely what was needed. This was drug out until XXXX XXXX . What started out as a debt of about {$2000.00} ended up being close to {$8000.00}!!! Now, as I got ready to make my payment today, I am not hit with an additional {$400.00} or fees on top of my mortgage. The lender took me through much grief, worry, sickness and inconvenience only to tell me in XXXX or XXXX that I was denied because I had a modification 2 years earlier which was also a scam as they suckered me into a balloon payment of over {$18000.00} at the end of my mortgage. I have a total packet of over XXXX pages of back and forth issues and constant submissions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2017-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I started a modification last XX/XX/XXXX. I did n't have pay for XX/XX/XXXX..XX/XX/XXXX.. I paid XX/XX/XXXX XXXX I went to the notary to finish paperwork. She mailed it for me. I did n't think to make copies. Two months later the claim they did n't get it.. That XX/XX/XXXX. They told me to start over. They would not let me make any kind of payment in the mean time. I did not pay XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I filled out the paperwork again and faxed it this time. Again two months later they stated they never received it. Now I ca n't refinance because of the payment gaps. And they are going to foreclose on me. I have lived here for 21 yrs, I do n't know what I can do, if anything.Company Response:
State: CA
Zip: 952XX
Submitted Via: Web
Date Sent: 2017-06-10
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: I am currently in the modification process at this time. I have scheduled sale date for XX/XX/XXXX -2017. Which a violation of CAILIFORNIA HOMEOWNER BILL OF RIGHTS. Ocwen is dual tracking my loan while in the modification process. A blatant violation of the law. Ocwen would then in a letter sent to me that the sale date is tenitive. I do n't see anything on the foreclosure notice that refers to it as being tenitive. By the way the foreclosure notice is void. The right to foreclose on my home is void. On XX/XX/XXXX 2017 I received a completed BLOOMBERG AUDIT ON MY PROPERTY by a certified autitor. When I reviewed the 70 page audit with the certified auditor.I was very disturb and angry to what was revealed in BLOOOMBERG AUDIT. The audit showed that XXXX XXXX is not the owner of my note. XXXX XXXX SECURITIES IS THE OWNER OF MY NOTE. I have requested from Ocwen at least four different times who the owner of my notes. Each time in the letters Ocwen sent me which I have in my possession that XXXX XXXX owned my note. I was lied to in writing. BIG LIE! XXXX XXXX is the trustee not the owner. Also in the audit discovered to my earlier suspicions that FRAUD and ROBO SIGNING were found to have taken place. THE CHAIN OF TITLE have been broken. The DEED OF TRUST and the NOTE have been seperated. I have sent 70 pages of the certified BLOOMBERG AUDIT to CONSUMER FINANCIAL PROTECTION BUREAU for review. Stop trying to foreclose on my home illegally.
Company Response:
State: CA
Zip: 93611
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Case numbers : XXXX XXXX XXXX QWR and Debt Validation was not addressed and no financial documents were given to me from my request. The Notice of Rescission of notice of default XXXX XXXX , XXXX , was not addressed at all from my request. The XXXX XXXX , XXXX TILA rescission is an event that happen I am not asking them to consider. XXXX XXXX , XXXX " effective upon mailing '' No answers to any question to in my written request and they are late in the response also. XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: ine complaint portal. ...XX/XX/XXXX XXXX XXXX XX/XX/XXXX to Consumer Greeting, I would like to file a complaint against :- The Ocwen / Home Ward Residential On or around XX/XX/XXXX I contacted my loan servicing company Ocwen about refinancing , I was told my a XXXX , " We don't do refinancing but we have a replicable company whom we work with". I was given a loan officer by the name of XXXX XXXX , whom took an application over phone and gave me a Quote on what my new monthly payments would be. He then ask for several public and personal information that he claim was needed to move my application forward, all those information was given to XXXX XXXX. XXXX XXXX urge me also to paid for an appraisal right away which he said would move things faster so refinancing could be closed. I made it clear that I did not want to pay for an appraisal If I was not going to get loan, he replied that they were just waiting on appraisal to go through closing. I gave e-mail XXXX XXXX my ATE card, he deducted $XXXX from my account. I was not satisfied with appraisal and I inform XXXX XXXX , I was not satisfied with appraisal and I wiil not sign for it. XXXX XXXX response was the appraisal had not to with me being qualified for for refinancing---------I made it clear to XXXX XXXX I needed no loan just to lower my interest rate. I then about three other people from home ward asking for information that I had give to XXXX XXXX XXXX:- A XXXX XXXX XXXX XXXX XXXX XXXX I then HAD SOME QUESTIONS ABOUT THE HOW PROCESS WAS BEING CODUCTED , THEN I WAS TOLD WE DONT DO REFINANCIN IN YOUR AREA, WE WILL LET YOU
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2017-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The property XXXX XXXX XXXX XXXX XXXX NY, XXXX was for eclosed on 5 years ago on XX/XX/XXXX , b y XXXX XXXX / XXXX XXXX .I h ave a letter from XX/XX/XXXX , from XXXX banks Investigation team stating : " RE : Loan Number XXXX Dear Sir, This letter is in response to XX/XX/XXXX , request regarding the above-mentioned mortgage account. I appreciate the opportunity to address your concerns. My investigation revealed the foreclosure sale was completed as of XX/XX/XXXX . As the foreclosure sale has been completed, you have been removed from the owner of the property and the property is now Real Estate Owned. If you have any additional questions, please contact a Customer Service Representative at XXXX , Monday through Friday, between XXXX XXXX and XXXX XXXX Eastern Time. Respectfully, XXXX XXXX Customer Response Team XXXX XXXX XXXX , a division of XXXX XXXX XXXX ( r ), XXXX ''.
I also have the XXXX 's from XX/XX/XXXX : Ac quisition or Abandonment of Secured Property and XXXX Cancellation of Debt and Notice of Termination of Proprietary Lease selling all shares. Five yea rs later about 4 months ago, I have started getting nonstop calls and bills in the mail fro m Ocwen Bank s aying that there was a clerical error back in XX/XX/XXXX and now the foreclosure is not valid which I feel is crazy that the property has been listed for sale all these year 's up untill XX/XX/XXXX . In the past 5 years, I have been turned down several job offers and loans because this is on my credit report. With the foreclosure, only XXXX years left on my credit repor t, Ocwen 's Bank represe ntative XXXX XXXX at the Office of the Consumer Ombudsman informed me that they will start up the foreclosure process again and this will be on my credit report for another 7 years.I do not live in that property and am living in a different state. On XX/XX/XXXX , I c ontacted XXXX XXXX and XXXX Representative XXXX XXXX informed me that the foreclosure did go thru on XX/XX/XXXX , and Ocwen Bank has made a mistake and to call her and she could help fix the error. On XX/XX/XXXX , I contacted Ocwen 's Bank repres entative XXXX XXXX at the Office of the Consumer Ombudsman to give him XXXX XXXX and XXXX Representative XXXX XXXX contact information and he refused to contact her and told me to get any and all paperwork from XXXX XXXX and send it to Ocwen Bank for review. I have sent a letter to OneWest requesting any and all paperwork on the foreclosed property and am waiting on that.Ocwen 's Ba nk representative XXXX XXXX told me to send a Ceasing Communication letter and I did, but they keep calling me. I have bee n out of work for the last two years because of an injury and the amount of stress they are applying is unethical. I can not afford an attorney to fight this with me and I do n't know what to do next.If there is any way you can help please advise. I will attach all documents that I currently possess. Thank youCompany Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-09
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XX/XX/XXXX O cwen Loan Servicing LLC, said it was No Longer Servicing this Loan # XXXX on a letter sent in reply to CFPB a government Agency. On or about XX/XX/XXXX Oc wen Loan Servicing LLC posted property Inspection fees, Legal Filing Service Fees and a GSE-REO Liquidation transaction. How is this Possible? When the on XX/XX/XXXX th ey show a Loan disbursement of XXXX , to WHO? They show force placed Insurance on XX/XX/XXXX XX/XX/XXXX , XX/XX/XXXX . On XX/XX/XXXX there is an alleged sale XXXX XXXX County Recorders Document # XXXX from XXXX to XXXX XXXX . and in XX/XX/XXXX , Document # XXXX from XXXX XXXX to XXXX and XXXX XXXX . On XX/XX/XXXX Ocwen Loan servicing, LLC shows 6 transaction occurring on that day. How is this possible since they stopped servicing this loan in XX/XX/XXXX 6 and it sold twice since? Also If They did a Full Credit Bid they are precluded from collecting its debt. Did they Pay Cash in Lawful Money of the United States? Please show the receipt and proof of funds .Document # XXXX See attach ed 1 ) So what was it a Purchase? A Credit Bid. 2 ) Was Loan Disbursed? Insurance paid it? or was it Sold? Ocwen Has violated Title 15 U.S.C 1692c ,1692e,1692f,1692g,1692h,1692i,1692j . Evidenced by their own admissions to the CFPB complaints submitted. Also Unjust Enrichment, Filing false insurance Claims, and other Financial Crimes R.I.C.O. related
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A