Date Received: 2017-05-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying to have been trying to get a short sale offer reviewed for several months now. Time after time I have been giving misleading or incorrect information about my file and the status of the review. the continue to lie and not review my file. I have had to extend my sheriff sale until the end of XXXX to give them enough time to review and still they have not come to a decision. Now I followed up today and was told by XXXX agent ID : XXXX that file again has been closed out and NEVER reviewed by XXXX . This is wrong they have lied to me every time I called and now I might not be able to resolve this issue. Please see below my calls with several agents AND a Supervisor Spoke to XXXX Agent Id : XXXX Still no update and currently they do n't have a sale date in their system. Still is showing up in the sheriff listing. Either way he told me to follow up by the end of the week that they did not have an update yet. XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX XXXX Spoke to XXXX XXXX Agent ID : XXXX He let me know that the file was submitted to XXXX and the review should be completed today. to Follow up tomorrow. XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX XXXX Spoke to Ocwen XXXX Agent ID : XXXX As of XXXX XXXX a request for the file to be reviewed by XXXX team was out in. They now do n't have a sale date in their system so XXXX sent the XXXX an email to review. she said we should have an update w ithin 24-48hrs. XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX XXXX Followed up with XXXX li en Ocwen. I Sp oke to supervisor XXXX agent ID : XXXX their system was not updated with new sale date for XXXX XXXX and they were not reviewing the file. I sent the proof sale date has been postponed and they are AGAIN resubmitting the file to XXXX team for decision. I was told to fo llow up 24-48hrs. XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spoke to XXXX Agent I D : XXXX from SS department he let me know that their system has not been updated yet with new sale date. That he noated that we received a postponement until the XXXX and that the file would be resubmitted. He wants me to follow up Thursday XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX Spoke to relationship manager o n the file. the file has been escalated due to the sale date scheduled next friday. they also had me make a correction to the XXXX . I have another appointment with the relationmanager tomorrow @ XXXX ( XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX file is complete can take 3-4 business days for decision. have an appointment t for XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2017-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX , XXXX To whomever can assist me with this unprofessional, unethical, dishonorable mortgage servicing company, Ocwen Loan Servicing LLC : Timeline of events Ocwens apparent reversal of Reaffirmation Agreement signed XXXX / XXXX / XXXX and increase of payment on mortgage servicing loan # XXXX XXXX , XXXX After six months of which the bankruptcy discharge was being held up by Ocwen, the Reaffirmation Agreement for the mortgage was signed by Ocwe n Loan Servicing LLC. This was only with the help and intervention of the GA District Attorneys office who intervened when I reported the delay and continued shuffling of people and loss of paperwork provided by Ocwen in the process with my lawyers. XXXX XXXX , XXXX Ocwen increased mortgage payment from signed Reaffirm Agreement from {$ 950.00} per month for 254 months to {$1200.00} for an undetermined time frame. XXXX XXXX , XXXX I received a call from XXXX XXXX XXXX XXXX ID # XXXX who advised me he was my relationship manager and if I had any questions. I asked him about the loan modification process for the interest rate and he informed me since I was in a mortgage assistance program I did not qualify. At no time did he mention the increase of the mortgage to {$1.00}, XXXX which had just occurred in XXXX XXXX . XXXX , XXXX , XXXX I called XXXX XXXX and after an hour on the phone in wait time and discussion with him he made a request to the Research Department who will do the research into the increase with the Bankru ptcy Dept. He said it would take approximately ten days and based on their findings they will correct the statement. The address given at that time for correspondence was : XXXX XXXX XXXX XXXX XXXX , FL XXXX Th e Ocwen Bank ruptcy Dept. pho ne number provided was XXXX and Fax # XXXX I was then transferred to XXXX ID # XXXX who was rude and tells me the reaffirmation does not change the note. My response was, I can assure you, the Reaffirmation Agreement signed by Ocwen on XXXX XXXX , XXXX most assuredly changes the payment terms on the mortgage. Otherwise, there would be no need for it! Since the date of that conversation, no one at Ocwen has contacted me on the matter or will address why they will not adhere to the Reaffirmation Agreement they signed. I have made two calls to Ocwen since then, I get the circus of transfer, and at this point refuse to speak with anyone there. Documenting everything is the only way to go with them through a third party who perhaps can find and seek the answers and they will not provide to me. Therefore, I am requesting your help. It appears Ocwen will not respond to my concerns and I can no longer continue wasting calls, time and an unending amount of effort with no answers or resolution on the matter. Once again, as a mortgage servicer ( and I already have a very poor history of experience with Ocwen as my sixth -- and worst -- mortgage servicer on this loan ) Ocwen continues to provide incorrect, biased, rude and delayed answers and treatment to me and any concerns I have about my mortgage with the latest issue being the increase and alteration made to the monthly mortgage repayment as agreed to on the Bankruptcy Reaffirmation Agreement. Additionally, Ocwen will not work on providing ANY form of interest rate loan modification citing the reason as I am in a mortgage assistance program. As of the date of this letter, they continue to send a mortgage statement and demand payment for {$1200.00} from the mortgage assistance company who is lending me the mortgage money to pay Ocwen until I find gainful, sustainable employment. At this time, I am requesting assistance, guidance, advocacy and intervention with this matter and request th at Ocwen Loan Servicing revert and honor the monthly payments of {$950.00} for 254 months as agreed in the Reaffirmation Agreement dated XXXX XXXX , XXXX ; that they reverse and waive incorrect fees and/or late fees from XXXX XXXX , XXXX ; and apply monthly {$250.00} overages from the time matter began ( XXXX / XXXX / XXXX ) to future mortgage payments. As of the date of this letter, and the amount of overages charge d by Ocwen totals {$3100.00}. This ha s been going on for a year now. In the event a copy of the Bankruptcy Discharge is required, I can readily provide a copy for you as well. It was only AFTER Ocwen signed the Reaffirmation Agreement that the Bankruptcy was filed and discharged. Thank you for your time and I sincerely appreciate ANY assistance , intervention or guidance you can provide in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XXXX Requested a " Stop Junction '' from Ocwen Mtg. Selling my home on the court house steps. After illegally FORECLOSING!!! Judge award ed XXXX XXXX .from pri nciple, {$47000.00} from areages & REPAIR CREDIT, of which they NEVER DID. Come XX/XX/XXXX , They IllegalLY FORECLOSED ONCE AGAIN!!! CAUSING HAVOC ON MY SM. BUSINE SS ; ( OCWEN ADDED A SERVICING FEE, OF OVER {$9000.00} WHICH GREW TO {$18.00}. THAT IS WHEN THEY TOLD ME TO " PAY OR QUIT ''. AFTER 6 YRS. HAVING SHOWN PROOF OF 12 payment 's, GOING BACK FROM XX/XX/XXXX , ONLY HAVING PROVED them to have been notarized, front & Back, THAT THIS MT G. FIRM, Ocwen HAD BEEN EMBEZZLING my HOUSE PAYMENT 'S!!! NEVER HAD I BEEN GIVEN CREDIT. THEY CONTINUOUSLY ASK FOR PROOF OF PAYMENT FROM PREVIOUS MONTHS. MY BUSINESS NOW, OVER 20YRS, WHICH I XXXX XXXX OWN & OPERATE HAVE SUFFERED IMMENSELY : ( NOT MENTIONING MY HEALTH IS NOW FAILING DUE TO XXXX !!! I 've CONTEMPLATED SERIOUS ACT 'S ONLY HAVING REALIZED, THIS PLACE IS TEMPORARY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2017-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX, my uncle, XXXX XXXX XXXX age XXXX, refinanced his home at the encouragement of a mortgage broker with XXXX XXXX XXXX. He died in XXXX and his widow, my aunt, XXXX XXXX, was left with the XXXX XXXX dollar mortgage. She put the house on the market and was unable to sell the house at that time because the house was valued less than the mortgage. In fact, the house was worth less than the mortgage in XXXXThe house could never have guaranteed this mortgage. My aunt continued to live alone in the house, living a life of extreme frugality and unhappiness because she was unable to sell the house anywhere near the mortgage payoff amount. Foreclosure was not an option in her mind. There were no other options available to her at that time. She paid the {$10000.00} mortgage payment monthly like a prisoner on death row until her death in XXXX of XXXX. At that time, I was advised that I was named sole heir of the property via will and trust documentation. I have been living in the house and maintaining it since I came to care for her in XXXX of XXXX when she was terminally ill. The despair she experienced from this situation affected her quality of life and contributed to her demise unquestionably. Most recently I have received a notice to vacate the property. I had been waiting for this bank to file a claim against my aunt 's estate because I was going to deny the claim. This was a predatory, fraudulent mortgage. The bank was guilty of unjust enrichment. My aunt and uncle were exemplary people and my aunt did not deserve to spend the last years of her life in anxiety and fear. All of her retirement money went to pay this fraudulent mortgage. She had about one year of money left if she did not die. I estimate that at least {$600000.00} was paid to the bank over the course of 6 years and the balance on the mortgage was still XXXX XXXX. Now XXXX XXXX with fees etc. The last time the house was appraised in XXXX for about {$500000.00}.
Company Response:
State: RI
Zip: 02886
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX , and I am the rightful heir and owner of the property located at XXXX XXXX XXXX XXXX in XXXX , NY. My now deceased husband and I are victims of mortgage fraud, and I have been trying to fix this problem for several years with little progress made. I am led to believe that the current servicer of this loan is Ocwen a nd the investor is XXXX XXXX . It has been difficult to communicate w ith Ocwen to determine the nex t steps and we are trying to get some type of escalated response to get information and fix this problem. The current mortgage loan on the property is in the name of XXXX XXXX . She was duped into serving as a straw buyer a few years ago after a mortgage frauds ter ( now conv icted and in jail ) had tricked us into deeding our home to him. After the fraud was revealed XXXX XXXX contacted us and wanted to fix the situation and deeded the home back into our name. The ban k ( AHMSI at the time ) took us to court to try and foreclose, but the judge ruled that due to the mortgage fraud that this was not a legitimate loan and that the foreclosure would not be allowed to move forward. ( I have included this paperwork ). After that happened AHMSI ( loan # XXXX ) who was the lender at the time offered a loan modification to us in the name of XXXX XXXX . We began making the payments for the loan modification but then AHMSI was sold to Homeward Residential, and then it became a part of Ocwen. We got lost in the shuffle and did not know who to talk to, where to send the payments and the agreement ended up getting cancelled. Since that time we have been in limbo trying to resolve this matter but dont know where to turn. I am the rightful heir and owner of the property and occupy the home along with my XXXX children. I also rent out a portion of the property to a family in order to increase the household income. Between my salary as a XXXX XXXX and the rent I make a good living and can definitely afford a fair and reasonable mortgage payment. The issue is that I cant make any progress with Ocwen and cant ge t any information about this mortgage loan, even though I have enlisted the cooperation and blessing of XXXX XXXX who is listed as the borrower on this loan. My late husband and I have owned this home for 21 years. In XXXX , my husband, who was a pastor, was struggling financially and he was approached by a parishioner who told him they could help him. XXXX XXXX entered into a one year lo an agreement with this individual, but later found that he had deeded the property into the name of the fraudster. The property was then refinanced and/or sold a couple of more times in order to drain all of the equity. XXXX XXXX was asked to do a favor to complete purchase loan paperwork for a motivated borrower who could not qualify for the loan. She had no idea that there was bad intent, but realized after the fraudsters were arrested what happened. She deeded the house out of her name back to me. We ne ed Ocwen to acknowledge that they are the current holder of this loan, and provide the current loan number. At this time Ocwen is attempting to pursue past due balance amounts from me since I occupy the home, but currently I am not listed as the borrower on the loan at this time. I want to get to the bottom of this situation and try and get things fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2017-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To whom it may concern, On XXXX XXXX , 2017 I submitted an application to Ocwen, for a loan modification. I emailed them three p aycheck stubs as requested, however they said it was a problem with my year to date income. Ocwen relations manager ( XXXX ) said my vacation pay stub had the same year to date total as my regular pay stub. I explained to them that my company ( XXXX XXXX XXXX ) pay us two weeks in advan ce before our vacation and that would reflect the same year to date as my regular pay. XXXX stated that XXXX XXXX XXXX would have to submit in writing with their company logo on the letter head my date of hire, employee number, and year to date earnings. I explained to her that my employer could only send that information at a local level, meaning XXXX XXXX XXXX XXXX will not send sensitive information to a third party. My center manager ( XXXX XXXX ) sent me a letter to forward to them with all of my information regarding my hiring date, year to date salary, and his contact information. Ocwen relations managers ( underwriters ) said that was unacceptable and they could not move forward with my modification request.
Company Response:
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I contacted the Ocwen Loan Servicing Inc . on XX/XX/XXXX because I had an alert from XXXX XXXX that my score had dropped XXXX points due to Ocwen reporting my loan 30 days late. I contacted Ocwen and was transferred to their call center in XXXX . After attempting to get answers over the next 7 days and talking to over 13 different Employees ( ID # 's include XXXX , XXXX , XXXX , XXXX , XXXX , XXXX , XXXX , XXXX , XXXX , XXXX ) I still had not answers . XX/XX/XXXX I finally got in touch with a Man named XXXX ( id # XXXX ) that told me Ocwen had sent out letters to me to let me know the amount of the escrow had changed. I let him know that no letters had been delivered to me and was there an attempt to contact me by phone. He said yes and recited a phone number to me that does not belong to me I asked if there was another number listed and he recited my correct phone number to me. I asked if that number had ever been called and he stated " NO '' that they had not tried to contact me at that number. My payment on this account is {$2100.00} that is automatically paid out of my bank account every month and I have record that at no time has this payment been made late much less 30 days late. When I spoke to XXXX he said that there was an outstanding balance on the account at that point of {$800.00}. I stated to him ( on a recorded conversation ) that I would pay that amount right then even though I do n't feel I owe it because it is effecting my credit score . XXXX told me not to pay that amount because it would hinder the investigation. The reason I found out the escrow amount had changed is because they applied forced place flood insurance on my property and never let me know about it. Thus charging me an additional {$2400.00} on my escrow and increasing my monthly payment to {$2500.00}. My automatic payment continued as usual for {$2100.00}. I let them know I have flood Insurance and the policy only cost me {$610.00}. XXXX told me he would be back in contact with me by XX/XX/XXXX to let me know what he can do to help. I called XXXX on XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX and made sure to leave a message for a return call. I then called XX/XX/XXXX . I stayed on hold for him for well over an hour in order to speak with him. Once he finally answered the phone he was very dismissive stating that Ocwen would not be interested in correcting my credit file or fixing the escrow amount. I spoke to XXXX XXXX a t Ocwen Hazard Ins. Dept. in the U.S. s he stated she would do what she could to help me and requested that I contact the OMBUDSMAN Department. I did and spoke with XXXX . XXXX said he would do what he could to help and would be in touch with me. There is a lot more to this story than I can type at this point If someone would like to give me a call I can provide much more detail. In continuation, XXXX was to research all the information provided and get back to me. After 10 days I had to call them again. XX/XX/XXXX I got XXXX on the phone who told me that because he felt they did their due diligence by " sending '' me correspondence even though I never received it that they would not be reversing the negative remarks on my credit Bureau. On top of that even though I have provided the " required '' flood ins. policy that they would continue to increase my escrow and my payment would remain {$250.00} higher than my contractual amount of {$2100.00}. Because they are continuing the forced place flood insurance for XX/XX/XXXX . This is not ethical! I paid Ocwen an additional {$650.00} on XX/XX/XXXX ( with XXXX ) to make sure there would n't be an issue reporting accurate information to my credit report. They then reported another 30 day late payment to the bureau and XXXX told me today they will be reporting another 30 day late payment for XX/XX/XXXX even though I have overpaid them {$880.00}. I can not be held accountable for something I do not know about. Ocwen did not apply due diligence to contact me and let me know a change on my escrow had occurred. I personally would have taken care of it that day if I had known. For them to drag a good paying customer though this is unacceptable. I feel at this point they are taking advantage of me by not correcting my credit score a s well as overcharging me on the money. Any and all documentation of on time payment for correct amount can be provided per request. I have no additional documentation from Ocwen because it was never received. Ocwen Employee XXXX # XXXX stated that they sent me a certified letter however, he can not proved receipt or tracking that it ever got to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87031
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have Ocwen as m y mortgage company, they are not applying my mortgage payments and keep mailing them back. They paid my taxes and I do not have them escrowed. they keep telling me I am 105 days late on my mortgage when I pay every month. I have been a nervous wreck over this in fear that they will start a foreclosure on my home. I can not attach any letters or correspondence that have been going back and forth, because there is a file folder very very thick. I kept everything. this has been going on for the past couple of years. I need help!!! I call them on a consistent basis and get nowhere.
Company Response:
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Please initiate an investigation of Ocwen Loan Servicing for fraudulent activities for the following reasons : Ocwen has violated two legal binding contracts, in the State of NY without authorization or consent from the parties to the contracts : ( 1 ) XXXX/XXXX Dept. of Environmental Protection [ signed XX/XX/XXXX ] ; ( 2 ) XXXX/XXXX Dept. of Finance [ signed XX/XX/XXXX ]. Ocwen has illegally initiated loans and then attached them to my mortgage payments without my authorization. Ocwen has failed to provide any agreement ( s ) that I have signed with them agreeing to such loans. Ocwen has failed to provide any prior notice ( s ) of its intention to provide such loans before initiating distribution to a 3rd party. Ocwen did not provide me, the consumer, an option to accept or reject said loans. Ocwen has failed to provide a copy of a signed application from me for such loans. Ocwen has failed to provide or quote the New York State Law or Statue that allows it to provide loans to a consumer of which the consumer has no part in negotiating. Ocwen has refused to reverse its illegal action after several requests. Yours faithfully,
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Complaint again st Ocwen Financial Corporation Date XXXX / XXXX / XXXX It is with some urgency that I write to you about Ocwen Financial Corporation. Apparently, they hold a Deed of Trust against my property at XXXX XXXX XXXX XXXX , XXXX Ca XXXX and appear to be unwilling to remove this lien even though I have never held a mortgage with this company and do not owe them a penny. On XXXX / XXXX / XXXX my wife and I signed documents for a mortgage with a company called XXXX XXXX XXXX but then was offered a better mortgage package at a much better interest rate with XXXX XXXX XXXX a day later. I then rescinded the mortgage with XXXX XXXX XXXX within the 3 days allowed and the mortgage was never funded but they still went ahead and filed a Deed of Trust against my property without cause. XXXX XXXX XXXX went out of business later that year. Ocwen Financial inhe rited some of XXXX XXXX XXXX book of business and the lien was transferred from XXXX XXXX XXXX to Ocwen Financial. I have never had any business with Ocwen Financial, they do not have me in their system, and they have no account number or any knowledge of any existing debt to them owed by us. Our home loan with XXXX XXXX XXXX was sold to XXXX XXXX who is our current lender and holder of our legitimate lien. My wife and I are currently refinancing our mortgage with XXXX and when they did a title search six weeks ago, XXXX found this second lien. There have been repeated attempts over these last six weeks by XXXX XXXX of XXXX XXXX ( XXXX ) to get Ocwen to remove this fraudulent lien. After sending faxed documents and emails confirming that they have no legal right to hold a lien against our property, there has been no response. I was just notified last week of this situation and tried callin g Ocwen Financial pe rsonally. XXXX ( # XXXX ) assured me that they would respond within 24-48 hours, which was the same response XXXX XXXX received. I have no confidence that I will be treated any differently. My wife and I are supposed to sign final documents for our refinance on XXXX XXXX , XXXX to secure an affordable monthly payment. The lien held by Ocwen is preventing our closing of the loan on that date and the new payment without the refinance will put a significant financial strain on the household. This Lien also takes away the option to sell our property if needed. Resolution. We ne ed Ocwen Financial to remove this lien within the next five days for us to close the refinance with XXXX Mortgage. If they remove it past that time, then they should reimburse any out of pocket expenses due to not closing the refinance with XXXX by XXXX XXXX , XXXX . Ocwen Financial Lien Release Department had 6 w eeks to resolve this issue and have completely ignored our repeated request to do so.
Company Response:
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A