Date Received: 2017-06-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My husband was a XXXX vet and we have been married 20 years. He refinanced the home and assured me that if he died I 'd have no problems with it because my name is on the deed. When I sent Ocwen loa n servicing the death certificate and a legal inheradence paper they still would not put my name on the title. I have never been late and my name is on the taxes for the home but they send the bill reading the estate of XXXX XXXX . I told them to put my name on it now. I have a paper with a notary signature of inheradence. That they asked for and I sent it to them. What should I do. I 'm a widow and I ca n't afford lawyers to help me. I just want to make sure the home is done right so I can make out my will. I am currently on payments and lived here for 20 years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2017-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage company continues to increase the interest rate on my loan and I can not it afford as I am on a fixed income
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2017-06-07
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: Received collection ca ll from Ocwen mort gage on XXXX / XXXX / 2017 about my XXXX 2017 mortgage payment. She asked me if I was able to make the payment I told her yes to do a e-check if there was no charge. She looked in system & set up draft from account & then told me there was already a payment set up in the system to come out. I asked her if she could verify the day the payment was schedule to come out of my account & she told me her system did n't show her the date. I asked if she was sure & she confirmed yes payment will come out of your account. I received a call today fro m Ocwen who advised me that XXXX 2017 payment was not made & I told her of my last interaction with a Ocwen rep last week of XXXX . She told me she would send info to the research department. I am sure Ocwen records their calls. All they need to do is pull the tape of the call & verify what that the rep told me payment was al ready schedule. It is not unusual for me to set up auto draft payment early in the month to come out on payroll date & get collection calls after payment has been scheduled. I need CFPB to help me get the 30 day late removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2017-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX /Ocwen ( XXXX XXXX XXXX XXXX XXXX ) an nounced back in XX/XX/XXXX / XX/XX/XXXX that my house would be getting foreclosed and I had to leave premises. There was an auction on my front lawn. I was told after to leave and I did. Later I received a XXXX validating the foreclosure and seizure of said home. Also calls directly from ban k I no l onger owned home. I then started receiving calls from police and neighbors of drug activity and other criminal activity at house. as well as calls from board of health. I kindly stated I no longer owned house. this went on for over a year. finally I was notified a XXXX XXXX XXXX offender was squatting at the home and I could be held liable. Then I went to registry and noticed something wrong with deed. Only to find out there was an " illegal foreclosure ''. The registry was ambiguous at best with fake and faulty assignments. the bank without notifying me unforeclosed, when they realized they did the foreclosure illegally. but by this time I had already moved. TO THE POINT A XXXX XXXX REGISTERED AS LIVING THERE! I removed XXXX XXXX and secured the house through out the years spending a great deal of monies. The bank started sending me bills as if there was never a foreclosure and I lived there the whole time. I tried to explain how unfair it was to have me vacate, tell me I do n't own it, send me tax certs saying I do not own it. I was only a few months behind originally when it was foreclosed. then years later. say I own it. and now I owe all the money plus fees etc. I tried to explain how this makes no sense. if you took it ( foreclosed ) legal ly and I was only 3 months late. How can you tell me years later, Oh we made a mistake and you owe all mortgages since the beginning? So the original bank, was XXXX XXXX XXXX contacting me and now ocwen.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Two years ago i became unemployed. OCWEN told me to file an application for mortgsge assistance. With much delay with back and forth snd missing documents, they denied my appkication because they processed it as a modification. I filec again. It was the same stalling process which then i was told application expired and to start again. I resubmitted the application again which as per Ocwen, has been lost. I was denied mortgage assistance and foreclosure protection while unemployed. When i was paying my mortgage they had me over paying in escrow and they were not paying my taxes or insurance on time. I have been working for six months. Ocwen will not allow me to make monthly payments until i pay {$45000.00} in missed payment which does not include interest and fees. In XXXX XXXX , I wrote a complaint to their research department. I received a letter with a reference number and an assigned agent. The letter says i should have a response in 10 days. No response as of today. When i call and ask to speak with the agent i am told that person doesnt work there. Ocwen has caused me a great deal of stress and frustration. I fear becoming homeless everyday. They refuse to workout a payment plan or any agreement to resolve this situation. They advertise " we are here to help '' but they have failed to deliver required foreclosure protection to me. They have denied me assistance to avoid foreclosure. They have added to my already everyday struggle and have caused me more loss. They have failed to adequately investigate and respond to my concerns and complaints. They have initiated foreclosure before completing a review of my loss mitigation. I feel they have wrongfully initiated foreclosure proceedings. Should i hire a lawyer at this point? Is there anything you can help me with? I would be grateful for your response. Thank you.
Company Response:
State: NY
Zip: 11426
Submitted Via: Web
Date Sent: 2017-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-06
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Ocwen is falsely reporting is preventing XXXX- XXXX from getting financing on a new home.
XXXX XXXX- XXXX purchased the property located at XXXX XXXX XXXX XXXX , XXXX XXXX and the making payment to the servicer GMAC Loan # XXXX XXXX XXXX until XX/XX/XXXX when the loan was purchased by Ocwen Loan Servicing , LLC. XXXX XXXX- XXXX filed BK XX/XX/XXXX and continued to make payments to the loan servicers on her home on time with never had any lates. In XX/XX/XXXX her loan was sold from GMAC to OCWEN. OCWEN serviced her loan for 4 months and then she sold the house. Exhibit-A Mortgage Statement Dates XX/XX/XXXX GMAC Loan # XXXX XXXX XXXX with a balance of $ XXXX- Exhibit- B XXXX. XXXX- XXXX paid that loan in full though a traditional sale. Seller Final Settlement Statement dated XX/XX/XXXX show Pay off to Ocwen Loan Servicing {$82000.00} to XX/XX/XXXX- Exhibit- B On XX/XX/XXXX Ocwen reconvened the property Loan # XXXX XXXX XXXX Full Reconveyance by Ocwen Loan Servicing LLC, # XXXX XXXX for instrument # XXXX-XXXX Doc # XXXX-XXXX- Exhibit-C XXXX. XXXX-XXXX attempt to purchase a new home only to be denied by potential lenders due to the erroneous reporting by Ocwen of loan # XXXX XXXX XXXX as a collection Thou the Loan was paid on fill as evidenced by Exhibit-C. Credit Report requested by XXXX XXXX & XXXX XXXX -XXXX XXXX- Report # XXXX Page 7 under Collection Accounts Owen Loan- # XXXX XX/XX/XXXX to XX/XX/XXXX - $ XXXX- XXXX month mo. Rev- XXXX XXXXxXXXX, XXXXxXXXX, XXXXxXXXX+ Page 8 under Public Records Chapter XXXX Docket # XXXX -filed XX/XX/XXXX Discharge XX/XX/XXXX Collections Accounts Bankruptcy XXXX- Credit Report requested by XXXX XXXX & XXXX XXXX -XXXX XXXX- Report # XXXX. Exhibit- D XX/XX/XXXX XXXX. XXXX-XXXX contact Ocwen requesting Ocwen to current the faulty. XXXX XXXX XXXX-XXXX sent request dated XX/XX/XXXX to Ocwen asking to them to correcting the credit bureau reporting. -Exhibit- E Ocwen sent and letter stating that Ocwen determined that Ocwen did not acquire serving rights for the subject loan, Yet accepted payments and issued a Full Reconveyance, for Ocwen Loan Servicing LLC , # XXXX Recorded Doc # XXXX XXXX on XX/XX/XXXX. Exhibit- F This false reporting is preventing XXXX. XXXX- XXXX from getting financing on a new home.Company Response:
State: CA
Zip: 92570
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-06
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Ocwen loan servicing has reported the I was late on a payment back inXX/XX/XXXXof this year. I have the statement from them to prove it is not true. But they have already hit my credit report. The worse part of all this is this is the second time in about 1 year that Ocwen has done this. The first time was after my bankruptcy was completed last year. the reported I was behind on payment. I have never missed a payment and after proving it to them which toke months Ocwen came back and said it was underpayment from the bankruptcy and it happen while I was with XXXX XXXX XXXX. After about six months the made me refinance at the same rate and years that I was already at. I have been making more then the monthly payment since. Which is a good thing because it seems like they keep changing the monthly amount. It seems like they are trying to do it all over again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85208
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XXXX XXXX I have the documentation from the title company stating the release of mortgage and the payoff amount of {$32000.00} to Ocwen loan servicin g the title company was XXXX XXXX XXXX XXXX New Hampshire since then every month Ocwen loan s ervicing has reported a delinquent or non payment to my credit report even though they have been paid off in full and the house has been sold for a year in addition for a month afterwards they attempted to take money out of my bank account even though they had been paid in full and the house was sold
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Homeward Residential/Ocwen AKA AHMSI is n ot reporting correctly to XXXX that my account was delinquent as of XXXX , 2010 . This is extremely important due to the fact that adverse credit accounts are suppose to drop off of the credit bureau after seven years per the Fair Credit Reporting Act. The account was later brought current and paid off. It is still showing on my current XXXX credit report when the credit delinquency if great tha n seven years. Homeward Residential/Ocwen were reporting the XX/XX/XXXX delinquency 's correctly to XXXX and XXXX . The account has dropped off of these credit bureaus due to th e 1st reported delinquency 's are greater than sever years old. I have contacted and requested twice now to Ocwen th at they correct the credit reporting with XXXX . They have refused to do so. XXXX defers to the lender so they will not remove it either. They are in violation of the Fair Credit Reporting Act.
I have attached a copy of my mortgage Statement dated XXXX , 2010 that shows my payment due date is XXXX XXXX , 2010 w hich also sho ws 2 past due paym ents ( XXXX & XXXX 2010 ). S ee the bottom of page XXXX in the attachment for past due details. I have also included a copy of my XXXX report that shows Homeward Residential reported me as past due from XXXX thru XXXX 2010. XXXX and XXXX has subsequently removed this from my file since it is seven years old as required by the Fair Credit Reporting ActCompany Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2017-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was placed on XXXX leav e in 2016. Asked for a modification Packet from Ocwen. Completed the packet in its entirety. Certified the packet back to Ocwen. They would not contact us, respond to emails, phone calls or certified letters. 2 months later they sent us a notice to foreclose.
Company Response:
State: LA
Zip: 71106
Submitted Via: Web
Date Sent: 2017-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A