Date Received: 2017-05-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Simply put, we were " OCWENed ''. OCWEN told us not to make payments while we were going through their in-house modification program. AFTER we applied, we were notified that OCWEN does not modify second mortgages. But you know what OCWEN does do, they will foreclose on a second mortgage, which is exactly what they did. My bride and I were out of the country when OCWEN se nt us certified letters, notifying us the foreclosure they were pursuing. We never received those letters because how long they were in o ur PO Box , co nsequently those letters were returned ( which is on record ). But we did receive an eviction notice in XXXX , afte r O CWEN was actually successful with foreclosing on our home. Wrapped up lawyers expenses, destroyed credit, and unable to get a credit card or refinance our first mortgage, OCWEN is slowly financially killing us.
Company Response:
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2017-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: With great emphasis, I reiterate my need and legal right to see the copies the XXXX ( ones that was given ou t ) from XXXX - XXXX . I unwaveringly reject and disputed the validity that ( XXXX ) XXXX was the only XXXX given in the time frame of XXXX to XXXX scope in your XX/XX/XXXX CFPB response ( " In addition, XXXX forms will only be issued in the years where funds were received and there were there is interest to report '' ). The IRS does not requir e Ocwen to report the amount of Taxes paid " but '' New York State ( NYS ) d oes for income tax requirement " since you do operate within the state '' ; and this is a NYS Tax property issue, and New York is one of the states that you do service, and yet Ocwen fail to provide any Tax statements. Ocwen botched basic functions like good accounting and record retention policies for up to 20 years as required by regulatory best practices. This is a another shortcut ( with eleven communications and counting since XXXX XXXX ) to i nvestigate my compliant with runaround and false blanket statements, without fully disclosing the mistakes Ocwen made servicing my account with faulty information. When you find the errors on your information and ways - " Only XXXX '' XXXX vs " More '' XXXX symbolic to " Not In '' possession vs " In '' possession of Tax History prior to XXXX , ( when a fulfilling solution or delivery is put forth by Ocwen the end result is always holes in its solution or disappointment ) this is Ocwen ever-changing status or contradictions and failure to take accountability. How can anyone trust the integrity of Ocwen 's flip-flopping behavior? I am vetting your information you 've provided and finding many serious problems. I believe the IRS and NYS would disagree with your information - ( " only XXXX '' XXXX or XXXX ). I do not think you would get a confirm on this, as there are more XXXX . Your data is faulty between XXXX to XXXX , and it should be double verified from XXXX - XXXX ; and I am very disturb regarding XXXX to XXXX . I believe your system payment history is compromised and lacks the correct workflow feed to Tax history payout XXXX - XXXX . Thank you for your CFPB response dated XX/XX/XXXX case # XXXX . However, after carefully reviewing the letter several times this is obviously nothing less than a smear campaign to cover the struggles of my request and compliant. There are still several important issues that have yet to be addressed, and I have yet to hear an answer regarding the issues below. Please revisit your inaccurate and incomplete information carefully. THIS IS A FAIR REQUEST. 1. In correct and/or misleading info ( eg. " Not in possession of history '' ) - ever- changing status or several contradictions verbally and written, even within the Ombudsman offi ce ; 2. No communications from appropriate departments, persons, etc., and the being given the endless runaround we are now in XXXX XXXX ; 3. Failure to provide any accurate periodic statements detailing how tax charges applied ; 4. XXXX 's inability to tell the truth or to be transparency in the investigation ; 5 . The constant infliction of frustration by evasive tactics to confuse me ( the consumer ) -seemingly strategically deceptive and purposely confusing from XXXX to present ; 6. Volu minous and immaterial data and intricacies, all while engaging in a ceaseless and needless back-and-forth with XXXX from XXXX to present ; 7. Speaking of and making reference to prior servicers ' record retention policies - an action that should have never been resorted to in my estimation, as seen by the example in place by the regulatory body in the aftermath bad behavior by XXXX XX/XX/XXXX actions to XX/XX/XXXX XXXX XXXX . It seems like Ocwen has mishandled my account without full accuracy and completeness, overlooking vitals details ; 8. Resorting to " third party '' Tax history sources as a solution to my specify request, which makes it apparent that Ocwen will tell anything so just to make you go away ), because the " third party '' record does not show who paid the mortgage. This is typical Ocwens shortcut, and the information should come from its own proprietary management systems ; 9. Incorrect and delayed XXXX coupled with non-communication while connected to Ombudsman office, which disaster could of been avoided, contained or mitigated by filing my XXXX Income Tax ; **** Jus t on the aforementioned points alone, Ocwen should take responsibility and pay penalties for its manipulative behavi or. **** Ther e is also the issue of incorrect XXXX information. If XXXX XXXX XXXX ( Consumer Account Analy st ) would have returned any of communications ( voicemails, fax and email messages ), I strongly believe, as stated, that the disaster could of been avoided, contained or mitigated. By filing my XXXX Income Tax, that caused Tax problems with Ocwens inaccurate information on XXXX and the delayed after XXXX / XXXX / XXXX tax day. I had no knowledge of this unti l Ocwen 's CFPB letter of XXXX , and without filing my CFPB compliant I would not have any knowledge of this action, I have not received any notice from Ocwen 's Tax area or any other department regarding this major error. I tried persistently and diligently to contact XXXX XXXX XXXX only to encounter the same systemic and cultural misconduct ( circular and evasive tactics to confuse m e ). I have communicated eleven ( 11 ) times or more with four ( 4 ) departments and five months, but the result has been the same, even in Ocwen 's Consumer Ombudsman office. Truly, I expected better from the largest nonbank mortgage loan servicer - biggest does not mean better. Th e four ( 4 ) engaged department at Ocwen o Research Department o Consumers Advocate Department o HRD Mediation Team o Consumer 's Ombudsman Office There is also a bright line prohibition against servicers engaging in unfair, deceptive, and abusive acts and practices related to mortgage servicing activities. Several time s Ocwen retra cted their initial statements, and took no responsibility for the harm caused. This has been the case even in the Ombudsman office by managers. Furthermore, it warrants mentioning that, in my case, Ocwen has been engaging in the same behavior for which it was fined hundreds of millions of dollars in XX/XX/XXXX , along with other institutions such XXXX , XXXX XXXX XXXX , XXXX and other governing entities by the Independent Foreclosure Review ( IFR ). I also received a settlement from a class action suit in XXXX for this same extremely deceptive conduct, which is a flagrant violation of proper best practices, procedures and regulations. This is my third time having to filing with CFP B ( Big Brother ) f or help since XXXX . See below cases : XXXX XXXX Class Action Settlement - Ocwen 's violations on thousands of their customer accounts *** XXXX CFPB case # XXXX - XXXX 's Preemptive Foreclosures and Manipulations with the same as above included XXXX CFPB case # XXXX - Ocwen 's comingled customer accounts by breaking yet another violation this time " Privacy Act information ''. Ocwen has been a repeat offender with its practices and violations of regulatory standards and has not reformed. And yet, here we are again at this junction of time. Truly deja vu Significant damage has been done here. I have made multiple complaints of Ocwen 's deficiencies. The inaccurate information given by Ocwen when interacting with them ; and they have been logged and reflected in the event of my journal. How can a established corporation get away with this kind of communications? Ocwen 's policy handbook seems devoid of the definition of " escalation ''. Escalation Relationship Manager '' is apparently an empty title for are policy only, with no active proactive procedures to adequately resolve the complaint or escalate the call for investigation. Ocwen has also failed to send us any accurate periodic statements detailing how Tax charges were applied, leaving me in the proverbial dark ( to this current state issues ). This kind of treatment is belligerent. This is the 21st century and regulatory practices demand that the money trail be followed. This is a regulatory violation. Finally, am I the only customer with these Ocwen systemic violations, or are there any voices out there to say " Ocwen failed miserably to adequately investigate and respond to complaints? Without the strong arms of CFPB and FTC being vigilant, the playing field would be characterized by utterly unfair treatment of the consumer in dealing with big financial corporations like Ocwen. It would be unjust for XXXX XXXX , now XXXX XXXX XXXX , to have been penalized back then and for that reason, while Ocwens reckless and repeated bad behavior goes unpunished ( as they systematically and continually violate best practices regulations regarding complain ts ). T hese regulatory rules are designed to be fair for both companies and consumers. No Consumer should have to go through a nightmare like this. Ocwen continues to be defiant to remediate the problem, or in other words stop the bleeding it has caused with its behavior. I need accurate information for Tax Property Reduction & Disability Exemption data from XXXX - XXXX for XXXX XXXX ( her XXXX status for XXXX XXXX XXXX XXXX XXXX ). To move forward with this inaccurate, and incomplete information by Ocwen to the next level of Tax reduction and exemption without vetting the details would have been a huge embarrassment and catastrophic several times worse than the XXXX and regulatory practices failures all together.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX , XXXX my car broke down major problem with engine I called Ocwen to let them know my XXXX payment would be late and I would have the money by XXXX XXXX , XXXX and if they received it would I be late because they told me I would have a late fee but they would not report late on my credit report they advised me to over night it so it is received at there overnight bin which is in Texas I did what they told me to do. I contacted them again on XXXX XXXX , XXXX I gave them the overnight number and they said great I explained what happened I even have a ID # and name of CSR told them that I was trying to get caught up but the expense of my car is the reason why again they told be as long as it is in our overnight XXXX XXXX by the XXXX of the month you are not late. I found out last week they reported me 30 - 6 0 days late I know I was late with the payment but it was done within the 30 days. I called them on XXXX XXXX , XXXX XXXX & XXXX I was told that they can look up the calls and if they can see them they would look into this I told me I never called which I did I have id # times etc. At this point I called the Mass Attorney Generals office they told me to contact you. I tried to reach out to them again because they are changing me for register letter fees for XXXX I was told that I did n't pick up the letter the women I spoke treated me like I was the biggest low life in the world and she kept on saying I was not telling the truth I ask if this could be escalated I was following what they told me to do and I had names of th e csr s he said that if they did log the call I had no proof. I was so upset they way they treated me if it was n't for consumers Ocwen would not be in business. Again I called I once again tried to explain my situation why would I overnight money and pay XXXX and get it there by the XXXX if they were going to report me. I also was told even though they have a overnight bin for these situations they do n't process payments on weekends.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2017-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Recently, Ocwen has come by my home to photograph our property. While I know this is common they do it more than necessary. If we have n't made a payment they are driving by photographing our home before 30 days. Most recent event has me feeling very concerned. They actually came onto my property while my kids were home alone and photographed our boat, and cars in the driveway. My daughter was very upset. Adding to this Ocwen w ill send letters stating we are at risk of foreclosure before the XXXX and more letters before the 30 day mark. They do n't only send me a letter they sen d 2, then they send 2 certified letters I have to sign for then they charge me for this almost every month. And this months statement does n't say what the XXXX fees/other charges are for. Waist of paper and money. We are behind on payments and when I ask to make partial payments throughout the month they decline stating the computer would n't recognize it and apply it to the principal instead of the monthly payment. I had set up a phone meeting with Ocwen, th at they email confirmed, for XXXX XXXX at XXXX XXXX but they never called and still have n't.
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2017-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I submitted a request for mortgage assistance/ modification in XXXX 2017 to Ocwen Mortgage Compan y . A t that time, no foreclosure date had been established. I received a letter from Ocwen requesting additional documentation within a reasonable period of time. I submitted the documents as requested. Suprisingly, I received a deficiency notice from XXXX XXXX XXXX on XXXX XXXX 201 7, esta blishing a foreclosure date o f XXXX XXXX 2017 a t XXXX XXXX . To date ( XXXX /17 ), m y Ocwen Mortg age online account indicates I have a pending modification in consideration. Ocwen intentionally mislead me to believe I was in the process of saving my home. At the same time I received the foreclosure notice. I ca n't believe Ocwen would offer me assistance and pull the rug out from me without evaluating the documents i submitted. Ocwen is in gross violation of RESPA 1024.41 loss m itigation regulations relative to the improper establishment of a foreclosure date with a pending modification in process.
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2017-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-12
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: During my Chapter XXXX bankruptcy, XXXX failed to submit a Proof of Claim. Ocwen 's la wyer instead filed a motion to dismiss my case with a motion that contained entirely wrong information, such as the amount of my monthly payment and the amounts due and past due, which was central to my entire bankruptcy case 's monthly payments to the truste e. Ocwen 's lawyer a ppeared in court and lied to the judge. After that case was dismissed, I applied for a HAMP modification in XXXX XXXX . They told me it would take 30 days to see if I 'm approved , Ocwen re presentative instructed me on the telephone, to not make any payment until the decision is made. 5 months later, on XXXX XXXX XXXX , I was approved for the HAMP modification program. ( with taking 5 months repeatedly asking me for same docs which in turn increased my overall debt as Ocwen simply added the past due amount onto the balance, raised the rate and added a balloon payment ). On the evening of XXXX XXXX XXXX , a process server pounded on my door, serving me with a foreclosure lawsui t -- -5 days after I was approved for HAMP! On XXXX XXXX XXXX , I telephonically contacted the counsel who signed the foreclosure complaint, who informed me that it was human error, that the dept. a t Ocwen who is responsible for notifying of such, failed to contact their law firm and inform them that I was in HAMP and to stop the foreclosure action. The attorney told me that I was approved for modification on a Friday, then there was a weekend and then two days later, they filed the action with the court because Ocwen had forgotten to contact them about it. They advised me t hat they would not be prosecuting the foreclosure. However, the judge set hearings in that case, and Ocwen continues to bill me to date, for the filing fees for filing an illegal foreclosure, in violation of federal HAMP laws, simply because Ocwen failed to inform their outside counsel. I should not be billed for any fees related to Ocwen 's own federal crime. The erroneous foreclosure case remains on the XXXX XXXX XXXX public docket forever, has damaged my credit, and has caused me humiliation and continues to. Ocwen dual-tracked me by continuing to move forward with the initiation of a foreclosure action at a time when I was actively in HAMP. Ocwen continues to bill me for fees and costs for filing said illegal action. I was advised by an Ocwen representative to write to their " research department '' to ha ve those fees removed from my account, which I did, several months later, the research dept. responded by just telling me that the fees were incurred when they filed the foreclosure action. However, they did not remove said fees from my account, instead, just adding more unexplained fees each month. Ocwen 's filing of a foreclosure action, which are the filing fees added to my acct., was illegal in that it violated federal HAMP laws and laws against dual-tracking. It is useless to call Ocwen as their employees are overseas, do not speak fluent English and are just reading from a script. I entered into the HAMP program with Ocwen, only after I read and understood The Economic Stabilization Act in its entirety and with the hopes that the United State 's federal law would somewhat protect me from Ocwen 's abuses. Yet Ocwen flagrantly vio lates federal laws anyway.
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2017-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have received the response from Ocwen and disagree. First I tried to get flood insurance and the insurance company told me I could not cause I was not in a flood zone the email and company are attached. You force placed flood insurance of XXXX a year even though I am not in a flood zone. You say you ca n't use my Social Security income cause it 's not showing in my account it takes 3 months to get SS after applied one or two months just to get a appointment and I did this so I can keep my house when I clearly have the income!!! You sent me a corrected assignment what is a corrected assignment which is enclosed you the signer is a known robot signer and this is 8 years after the XXXX assignment why? The trust you say I am in is not on the SEC website as being active please provide where my loan shows in this trust. Please provide the assignment from XXXX XXXX XXXX to the trust 90 days after close as referenced by the PSA otherwise this constitutes a break in the chain of title and documents are Void California case XXXX vs XXXX XXXX XXXX supreme Ct case buyers have the right to challenge the assignment of mortgage. I asked for my accounting from XXXX-date why have Ocwen not provided this my statements never have the same numbers on it. My CPA wants to look at this!! I can not believe this company Ocwen has hurt my family and caused undue stress to me and my XXXX veteran husband.
Company Response:
State: CA
Zip: 94553
Submitted Via: Web
Date Sent: 2017-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have two rental property mortgage loans with Ocwen Loan Servicing. For much of the past year, I would mail my payments at the end of the month always adding extra to payment to cover the late fee. They would never apply the late fee, instead placing the extra portion of payment into a unapplied account. I did n't make payments online because I was trying to avoid their XXXX XXXX XXXX payment fee they place on internet payers. My accounts showed 30 days late for sometime. One of my properties, they came up with around {$500.00} of extra fees, of which I paid last month. The other property of mine, they are accessing {$1000.00} worth of fees. The other property is a home that was destroyed by renters years ago. I have completely gutted out the house, there is only wood framing inside. I 've slowly been renovating it. I went to the house to retrieve a washer/dryer in storage and found that Ocwen had locked me out. I called the number of their subsidiary that locked me out and they immediately gave me access to the house. They told me that the loan appeared to be current. In the process of lockout, the company damaged my garage door with a grinder ( cutting off my lock ), they stole a gallon of bug spray and a tarp that I had covered over a washer/dryer. They placed winterized stickers on toilet flange and drain pipes sticking out of walls. The house is mainly down to wood framing with nothing to be winterized. I 've been slowly in process of remodeling the house, I had some construction material near a room I began sheet rocking. For some reason, they moved those items to a stack of new sheetrock I had on floor. The stickers where dated XXXX XXXX, 2017. It was less than a month later that I realized this happened. Ocwen is generally very unhelpful with questions and has terrible service. I did place a complaint to their website. Their customer service rep contacted me regarding these issues. She was the only friendly person I had ever spoken with at Ocwen. Unfortunately, she was not able to help with any of the fees. It was pretty much out of her hands. Ocwen 's standpoint was that since the property was vacant and I was 30 days late on payments that they had every right to lock me out and charge secure and maintenance costs. All of these fees related to my two mortgage loans are just forms of legal extortion. It 's morally and ethically wrong for a business to practice in this manner.
Company Response:
State: OK
Zip: 73107
Submitted Via: Web
Date Sent: 2017-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Good morning. Back in XXXX I became unemployed and was experiencing difficulties in making my mortgage payment. I attempted to modified my mortgage on various occasions with my mortgage company. Finally in XXXX XXXX XXXX they offered me a " streamline XXXX XXXX and I started making payment of {$670.00}. Later they stated that I did not qualify. I applied to to modify again in XXXX XXXX and was granted XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The problem I am having is as follows : 1 ) Every year since XXXX my escrow account is short by a significant amount of money. They spread the shortage over a period of XXXX years. I call for explanation each and every time I receive the notices they can never provide me with a straight answer. I an aware that my escrow account can vary depending on my taxes & insurance. However I have reviewed my taxes & insurances and the increase over the years have not been so high. 2 ) When I modified in XXXX my unpaid principal balance was {$86000.00}, and my XXXX was {$640.00} with a maturity date of XXXX XXXX XXXX . In signing the documents they include a " Balloon Payment Disclosure '' of {$51000.00}. I called and asked if this was in addition to my original principal balance of {$86000.00} they said NO. It would not of made any sense for me struggling to pay {$86000.00} to incur an additional {$51000.00}. I have even requested a payoff to make sure that this amount is not part of my balance. In addition my husband called mortgage company on XXXX spoke with rep ID # XXXX and he stated again that he does not see any balloon payment on our loan. My greatest fear is to LOOSE my home which I have been struggling to pay because of my mortgage company mishandling our account. If you can please HELP me with these issues as every time I reach out to my mortgage company I get a rep that does n't have a clue and are unable to clearly explain solutions to my concern.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2017-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX XXXX , we filed a complaint with the Consumer Protection Agency against Ocwen Mortgage. The CPA t ook the case and got involve d ( CFPB Case No. XXXX ). On XXXX XXXX XXXX , we received a letter from Ocwen, who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in XXXX of XXXX and were reporting for over two years that our payment was late and were charging us late fees. We thank the XXXX for their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on XXXX XXXX XXXX and the loan with Ocwen was subsequently paid off. I have copies of all documents relating to this loan payoff. In Ocwen 's XXXX XXXX XXXX letter they state that they are going to contact XXXX and XXXX to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off. XXXX 's credit report still shows an open loan to Ocwen in the amount of $ XXXX . We recently applied for a loan with XXXX XXXX XXXX Bank and were rejected because of the Ocwen mark on the credit report. I have tried to reach out to Ocwen to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining XXXX 's credit and hindering us from getting a loan. Thank you.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2017-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A