Date Received: 2017-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have had trouble with this company charging bogus charges to our account to create a number of late charges, every month its the same charges so now they have run up about XXXX dollars worth of charges for certified email and property inspections, we have live on this property for 25 years and only owe about XXXX dollars on it, this loan company OCWEN no has been calling several times a day all week long and several times a day over the weekend, we have recei ved 5 calls from them in 2 days with some person who can hardly speak English, we have explained our situation to them and we do n't need to try to get a loan modification they harp on it every time they call, then they want us to pay a down payment on a payment program and I explained several times if we are having trouble at XXXX dollars a month why would I want to commit to XXXX dollars a month sounds like a trap to me. and then this afternoon a person came to the front door and knocked my wife ask if she could help her and she said she wanted to provide some information, my wife asked for identification and this female would not identify herself of what her intent was, she asked her to open the door which at this point in time my wife was on the defensive, this person would not identify herself or what her mission was and all she did at this point was poke and envelope in the screen of the front door and ask is this XXXX my wife would not answer, still no identification and she left, when I arrived home I opened the envelope and all that was there was a number to call and still no identification on who we were dealing with, so at this point I called and it was the mortgage company, I ask what the deal was with this person on the line and he informed me that they had sent out a property inspection person, When I asked why got no good answer when I ask who was paying for that I was informed that it would be added to the late charges since they wanted to verify that we were living at this property, and we have had contact with them all month long, We have asked them to stop with the certified letters that it was generating unwanted fees and it would be more beneficial to send them email since we have trouble with the USPS properly delivering the mail to out remote location, tonight I learned from this individual that ( there is something wrong with your email address ) I said no there is not I get email every day from that email address, and why tonight is he bringing it up and no one else we had contact with is talking about it. I am sorry that at 60 years of age I will not lie down and let this ( Global company as they call it ) run over me and my wife, by today 's standards we do n't owe much but I will not be harassed anymore by these people I need to know what my options in the mortgage arena are, there have been a lot of violations here to collecting debts, We ask that they let us continue to make our regular payment and a little extra until we get this paid off and I can not get a straight answer as to what their intentions are at this time. Please respond to my email address as soon as possible as I feel the need to secure counsel to protect my interest and my consumer rights at this point. I have attached a copy of the statement we receive from them every month with all the ongoing mail charges and other things.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX XXXX , 2017 Sent a QWR to these companies. OCWEN Loan Servicing LLC XXXX XXXX XXXX I have not gotten any answers to my request. I did get a print out of something but no answers to the questions I asked on the QWR of XXXX XXXX , 2017 .
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2017-05-24
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: I have tried to fix my problems. I was under a high-interest rate that affected my ability to pay when I lost my job. I qualified for several loan modifications all denied because I did not make enough money to repay the loan modification and the repayment plan which was never accepted by the company. they made so hard to get the modification I eventually had to file for chapter XXXX . I want the difference of interest rate repaid to me. and the outstanding amount that I became in the rears w ith of 35,000 while waiting for help with my high-interest loan. the company messed up my credit and my financial situation in the long run.
Company Response:
State: TX
Zip: 78520
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I purchased a home in XXXX in cash for {$14000.00} and then refinanced the same year through XXXX XXXX XXXX for {$30.00}. I was involved in a car accident in XXXX . This caused me to fall behind in my payments. I still tried to make the mortgage payments but XXXX XXXX XXXX began to stop taking my payments. A short time late r Ocwen Loan Servicing introduce themselves as the new Leander that was taking over the loan. I began to work with them in regards to getting an affordable modification. They modified the loan but the payments were not affordable for me. I tried to continue to work with the bank in getting payments i could afford so that I could keep my home. But to this day no resolution had been reached. Currently I had been notified that there is a Foreclosure day set for XXXX / XXXX / XXXX . Also at the same time Ocwen notified me that they owed me {$1100.00}. The check was also enclosed with the letter. This settlement was given to all borrowers that they tried to foreclose on between XXXX XXXX XXXX XXXX , XXXX and did not follow through with there actions. At this point I do n't want to loose my home behind unwillingness from this bank to assist in helping me to obtain a affordable modification. I would appreciate any help or assistance your institute can offer.
Company Response:
State: NY
Zip: 14226
Submitted Via: Web
Date Sent: 2017-05-23
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: Beginning prior to XXXX / XXXX / XXXX , I 've been writing and Disputing Ocwen Loan Servicing, LLC, regarding numerous descriptions of charges on my Payoff Quotes. I 've included sever al Payoff Q uotes for you to examine and review to make sense of any of them. The most recent PAYOFF QUOTE valid through XXXX / XXXX / XXXX includes {$5600.00} for interest due, {$2900.00} for escrow advances, {$67.00} for property inspection fee, {$110.00} for Projected Property Valuations Exp, {$120.00} for a BPO and so on. Eac h Payoff Quote differs. I dispute all of the above amounts and for each year Ocwen made an Insurance payment on our behalf, they were charging us twice the amount of the policy, as the policy is written for XXXX homes ; XXXX & XXXX XXXX XXXX XXXX , not XXXX ; XXXX XXXX XXXX paying the total. This property is slated to close XXXX / XXXX / XXXX and I wish to have a correct Payoff Quote forwarded to XXXX XXXX and myself, to ensure I will not be forced to over-pay my mortgage to provide Clear Title to the Buyers of XXXX 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: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-23
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX XXXX XXXX has been informed that property at XXXX XXXX XXXX in XXXX XXXX Texas XXXX is owned by XXXX XXXX XXXX XXXX XXXX yet it has ignored repeated request to cease aggressive collection practices. XXXX XXXX XXXX on or about XXXX XXXX XXXX caused a collection letter to be sent by XXXX XXXX XXXX XXXX XXXX XXXX , XXXX again threatening foreclosure on a property owned by XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX was notified of this action on XXXX XXXX , XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , the XXXX credit reporting agencies XXXX , XXXX and XXXX . Their collective action has caused undue stress and duress on us plus negatively impacted our credit files since XXXX . They have repeated violated the Fair Credit Reporting Act ( FCRA ) along with the Federal Fair Debt Collection Practices Act. We have asked XXXX , XXXX and XXXX to update our credit files since XXXX when XXXX XXXX XXXX XXXX XXXX acquired said property but those credit reporting agencies have turned a blind eye to our requests. We hereby seek damages and action to stop this undue harassment and duress caused by parties who have colluded to circumvent our legal and financial rights. Thank you for your consideration and speedy resolution to this matter.
Company Response:
State: FL
Zip: 33596
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am an XXXX year old woman with failing health I 'm on a fixed income and have tried for many years to do a loan modification with the lender Ocwen they always run me around and always deny it for no legitimate reason I was put in an option arm loan and it only goes up never down I need a fixed loan since I am on a fixed budget. Not an unreasonable request. I have gotten as current as possible with family support, I have been sending in my monthly mortgage on time for over a year and suddenly in XXXX 2017 they stopped cashing my checks and demanding $ XXXX to keep my home, I sent XXXX and XXXXl mortgage payment and they are just holding them and not responding to my constant requests for someone to help me with this situation. I do not want to lose my home I 'm desperate, they are as crooked as they come, very shady practices. The lender is Ocwen Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX my loan number is # XXXX my name is XXXX XXXX Home address XXXX XXXX XXXX XXXX, CA XXXX please help me they are causing me great stress and put an XXXX year old woman in the streets. My monthly mortgage payment is {$2600.00} it just went up again it 's gone up 3 times in last year alone. I 'm drowning and they do n't care or help me at all, they always have an excuse not to talk to me, they say I need a letter of consent from my lawyer due to my bankruptcy but they asked the judge to be granted immunity from my bankruptcy and it was granted several months ago so they can deal with me direct but say no we need consent from your lawyer my lawyer has sent the consent multiple times, my lawyer XXXX XXXX, phone number XXXX in XXXX, California, they lie and say they have n't received it it 's been very frustrating I 've been trying for too long to correct this issue. All I want is a fixed rate loan so I can pay with peace of mind, the type of loan I 'm in does n't even exist anymore it 's a bogus type of loan. My phone number is XXXX thank you for any assistance good luck trying to get legitimate answers.
Company Response:
State: CA
Zip: 94526
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with Ocwen loan serving. I have paid my mortgage on time. I was in bankruptcy from XXXX to XXXX . I gave Ocwen {$46000.00}. I have not seen any change in my mortgage. My mortgage payments are still the same. I have called Ocwen and the costumer service rep. Stated that the {$46000.00} went towards my principal. But when I look at my statement the {$46000.00} is not on my statement or online statement. I have called repeatedly and I would get transferred or hang up on. I would like this fixed.
Company Response:
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2017-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: A customer service agent from Ocwen Mortgage presumably in the XXXX called me and advised me that I needed to pay {$240.00} to reinstate the mortgage. No methodology of payment was required or provided. I made a payment of {$61.00}, the normal payment, a payment of {$120.00} or twice the normal payment and a payment of {$61.00} all using XXXX XXXX Bill Payment. XXXX XXXX immediately takes the money from my account into a suspense fund and makes the payment electronically to Ocwen. Ocwen refused the payment and returned the money electronically. When I asked why, they said that the electronic payment was not certified funds. They demanded that I send a wire transfer immediately. I did so from my bank ( XXXX XXXX ) to their bank ( XXXX XXXX ) costing me {$15.00}. I called in and spoke with XXXX ID # XXXX and she documented the wire transfer number, but was not able to verify receipt. I asked to speak to a manager to verify the wire transfer or to find out why they could not verify it immediately. I was transferred to XXXX , ID # XXXX and asked why she could not verify the wire transfer of {$240.00}. I all got were standard answers and that it would take two days, blah, blah, blah. Sorry, I have been doing wire transfers for about forty years and they have been nearly instantaneous in that time frame. I asked XXXX to verify the wire transfer number and she initially refused. I said that XXXX said that she added the wire transfer number to my account. All of this transpired on Monday XX/XX/2017 . I tried to reach the OCWEN Ombudsman, the prior Friday and Saturday, but to no avail. I had spoken to a Customer Service Representative in XXXX first thing in the morning and the guy just wanted to lecture me and create further problems. I demanded that this guy be fired.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2017-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I fell behind on Payment in XX/XX/XXXX do to an injury to my shoulder. I called ocwen weekly. They said there 's nothing they can do to assist me. I applied for 3 l oan modifications every time I was denied. I make {$30.00} an hour and able to make the payment with one paycheck. So it all started with litton loan in XX/XX/XXXX at some point ocwen took over all the bad loans. Please help me save my house. XXXX XXXX
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2017-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A