Date Received: 2017-05-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a complaint agains t Ocwen Loan Servicing ; I am sure y ou get many. On the XXXX of XXXX , they sent me an XXXX page letter regarding my escrow account. The fine print in the letter stated that they were going to increase my monthly mortgage payment by {$42.00} to cover an increase in taxes which Makes sense since my taxes have increased. My complaint concerns a statement at the bottom of each page which states : " This communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. '' Enclosed in the package was a coupon for me to mail in {$1000.00} to cover the escrow difficiency. I immediately sent in the money and now realize I really owed nothing as the escrow account was cash positive and would be within Federal law ( RESPA ) with the increased mortgage payment of {$42.00}. In short, they solicited {$1000.00} from me at the same time they were notifying me of a mortgage increase.
Company Response:
State: TX
Zip: 78633
Submitted Via: Web
Date Sent: 2017-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX XXXX XXXX XXXX XXXX XXXX XXXX conducted an unlawful foreclosure of the homeowner 's property. In a subsequent eviction action homeowner challenged the foreclosure and the parties agreed to rescind the foreclosure and give homeowner a loan modification allowing homeowner to remain in the home with an affordable mortgage. The servicing of the loan was transferred t o Ocwen Loan Servicing, LLC and the Modification Agreement was signed by the borrower on XXXX XXXX , XXXX . Borrower has made all required payments under the Modification Agreement. However, in XXXX XXXX Ocwen returned her XXXX payment because the check inadvertently did not have a specific date but just said XXXX XXXX . Borrower sent a new check for the XXXX payment but since then there have been continued problems with Ocwen accepting payments. In XXXX XXXX borrower sent a bank check - Ocwen claimed it was never received but borrower 's bank says the check was deposited. The remaining checks from XXXX XXXX on have not been accepted by Ocwen and have been returned to the borrower. Through counsel borrower contacted the attorney for Ocwen who handled the recession of the foreclosure. Borrower sought to pay the money owed but there appears to be a difference in the amounts the borrower an d Ocwen believe are owed. Counsel for Ocwen now says they are no longer handling the case. In addition Ocwen is claimin g borrower is in default and have begun the foreclosure process. Borrower is more than willing to pay the amounts she owes for the months of XXXX through XXXX and wants Ocwen to immediately stop all foreclosure proceeding. Borrower does not believe she should be charged for late fees and property inspection fees as these were incurred because of Ocwen 's failure to accept timely paym ents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-10
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have had a mortgage on my home in good standing with on time payments for seven years. The company handling my mortgage, Ocwen is not reporting to any of the credit bureaus. I have contacted them on at least five separate occasions about this issue. Their canned response is that they are reporting to all three bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all three credit bureau 's insist that ocwen is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that Ocwen is n ot properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are XXXX and XXXX
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In XXXX XXXX I was being sued for foreclosure. Before summary judgement I was offered a modification that gave me the house at a new price of XXXX dollars. Before I continue both the first and second mortgage aare owned or in my case managed by XXXX . This according to them was fair market value. This was also 50 % or so in principal reduction. I asked what about my second mortgage. The Ocwen agent told me that it would go away. I thought because I had a lawyer representing me that this was all in writing somewhere. Ocwen did tell me that they had nothing to do with second mortgage which is a lie. I have documentation that shows that they have master servicing rights. There is a collection agreement between American Home Mortgage and XXXX XXXX XXXX on my second which entitles XXXX XXXX to collect on this loan. American Home was purchased by Ocwen. Fa st forward to XXXX and I noticed I never received any information or anything on my second mortgage. I was also still getting calls from XXXX XXXX on this debt. During my conversations with XXXX XXXX I was being bullied and harassed. I was also told to write a letter to the research department. In response to my letter, which asked who owns my loan and who has master servicing rights, I received a documentation that shows that XXXX XXXX is working for Ocwen. I called Ocwen and they denied denied denied. They even refused to allow me to send them the collection agreement as proof. It got so bad I had to file an FTC complaint against XXXX XXXX . As a result of this complaint they stopped collection activity and took the loan off my credit report. During this process I spoke to XXXX in NY. I spoke to a XXXX who told me that they manage a fund that my mortgages are securitized with a bunch of others and that no one knows who ultimately owns it. She did say that my second mortgage was charged off their books and that they could not help me even though they hired these collection agents. She told me she did call XXXX XXXX but that they refused to speak to her and she gave up because its not in their interest to help me, in my opinion. I wrote a letter in XXXX to XXXX XXXX asking one simple question, Do I owe the money since I believe that I do not because of the modification. They responded with the most vague answer possible. I sent a letter again asking the same question and for clarification because I did not understand. They answered in exactly the same way which was, XXXX removed my account from active collections and the removed it from the credit reports. Not exactly an answer. However, I was so stressed out and tired of them that I took this to mean I did not owe it anymore. Everything was fine until XXXX of XXXX . I tried to sell my house. Before doing so I did a title search which did not show anything on my second. As soon as the house was listed and I had the home under contract the title search turned up my original note with the second still there. When I called XXXX XXXX they told me that I needed to cal l Ocwen because they were not actively collecting on this loan and that my letter from them did not mean that I did not owe the money. So we are clear, my second was charged off the Bank, Ocwen, and Real time. Their internal records show this. I called Ocwen a nd they denied my claims and XXXX XXXX claims that they work for Ocwen. They again refused to take my proof. I finally was issued a rep for my case by Ocwen, XXXX XXXX . At first he denied my claims and pretty much refused to help until I got on XXXX and expressed my opinion on their company. The next day XXXX XXXX called me and had a different attitude. He claimed he did more research and that a company called Litton forwarded the collection activity to XXXX XXXX . XXXX said this happened before Ocwen purchased Litton so that Ocwen has nothing to do with it. However he said he was going to help me out anyways whic h to me is a red flag. Why would they help if they have nothing to do with it. I told XXXX I needed my lien released and a satisfaction of mortgaged filed with the clerk. He claimed to be working to this end. XXXX and I spoke to XXXX XXXX many times to try and get someone who was in authority to resolve this. XXXX XXXX kept giving us the run around until they finally gave me an email address to client services. This had to be giving twice because the first email was not valid or not receiving our emails. XXXX claimed to be asking for a lien release but his first email to them according to XXXX XXXX was asking for how much money to settle the debt basically which is not what i discussed with him. This type of activity went back and forth for a few weeks. XXXX at Ocwen would tell me one thi ng and when I called Real Time I was told other things By XXXX or his supervisor. XXXX XXXX always maintained however that they would not release this lien unless the full amount was payed. On XXXX XXXX XXXX from Ocwen called me and told me that XXXX XXXX agreed to release the Lien. I asked for everything in writing. Now in my mind form the conversation that I had with XXXX telling him I wanted the lien released and a satisfaction filled I thought this was the result. I asked if this was the case and he said yes he believed so and that was what he was working towards with them as he and I discussed. I called XXXX XXXX to confirm and as I suspected it was all a lie. XXXX XXXX would only issue a 3rd party release for the full amount owed. I called XXXX and informed him. I called XXXX XXXX again and spoke to XXXX . He read the email that XXXX sent and told me that XXXX XXXX would only release for fulll amount. A few days later on the XXXX XXXX called and informed me that XXXX XXXX would release the lien but that I still owed the money and that a XXXX would be issued. This is not what I asked for. I called XXXX XXXX and they do not show to this day any of that on their system. They do not show that they will release or that they will issue a XXXX . No one is returning my calls from either company. I did speak to a low level rep that read to me the internal notes were XXXX XXXX supervisors stated to XXXX XXXX at Ocwen that the proceeds from the house sale should not go to me and that they should go to them and Ocwen. T his is like vultures waiting for a corpse to die. The way I see it is my original loan was an XXXX for XXXX dollars. the same bank loaned me the money to purchase this house. During the crash of XXXX I like many Americans had problems paying. I was offered a modification that reduced my principal to XXXX dollars which was fair market value. However they lied and in hopes of a payout later they held my second in the shadows. This is deceptive and criminal in my opinion. Companies like Ocwen, which was sued by the SEC and your organization, and XXXX XXXX destroy families and prey upon society. I claim I was lied to by both companies and they used the confusion of XXXX XXXX works for Ocwen and that no they dont work for Ocwen to purposely pass blame to one another and never resolve my issue until I either get tir ed and give in or leave my situation in limbo. I cant sell my house and even if I pay the first mortgage off I will never own this home or worst XXXX XXXX will sue for foreclosure at that time and steal my home. Lying to consumers should not be tolerated. In a court of law in Ny were NY sued Ocwen they admitted that their records are not reliable. I submit that anything they say is probably not accurate and that court case proves it. XXXX XXXX is also not innocent as this court case also effects any documents that passed for Ocwen to any other agencies. XXXX XXXX has also been sued for many fraudulent activity. My property is being held hostage and I beg for your help. I am XXXX and I have a XXXX year old. I can not afford to deal with this. These loans were paid by insurances, bail outs, and tax payers already and I do not understand why these obviously criminal companies are allowed to prey on poor XXXX people. I also want to state the XXXX at Ocwen said that Ocwen would forgive the debt and release the loan if it was in their hands because it is the right thing to do. I believe this can happen if they would enforce their master servicing rights and fire XXXX XXXX . However they still hold out hope that I will believe that they are powerless to fix my issue and they do not employ XXXX XXXX .
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: An underwriter review for modification has been going on since XXXX o f 2017. We are now looking at two months without a decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working hard to avoid foreclosure on my home at XXXX XXXX XXXX and each time I get close to finally completing a short sale, Ocwen puts the property up for auction. A contract was presented to Ocwen and after months of waiting for their review, they came back with a counter-offer and then had the property in foreclosure without giving the buyer the opportunity to respond to the counter. Ocwen was then given a better net amount than they requested but still the property is in foreclosure. This has been such a mentally draining process and it seems that the closer I get to completing a short sale, I keep getting resistance from Ocwen. Please help and have the foreclosure lifted and this short sale completed once and for all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XXXX XXXX I noticed an increase on my mortgage payments and I did n't know why. I called and called many times to Ocwen to explain to me why was there an increase on my monthly mortgage payments. To no avail I stopped making my mortgage payments because they were n't affordable due to the increase. On XXXX XXXX XXXX there was an event conducted by Ocwen to help homeowners that are struggling with their mortgage payments so I attended to this event and spoke to Ocwen face to face and explained to them that I wanted an explanation to why my payment increased and also wanted a modification to lower my payments. The representative that I spoke to that day said that they were n't going to be able to do much for me because i 'm paying a lot of property taxes and that I had to work with my property tax assessors office to see why my property taxes are high. So I went with my to the assessors office and explained to them what my mortgage company had said about my property taxes and they could not figure out why Ocwen said what they said, that there was no increase on the property. At this point I felt confused, So I submitted all of my paper work for a modification and I was denied due to my account being delinquent more than 90 days and second they could not achieve a 20 % of the payment reduction. I was late due to my payment increased and could not get an answer to why my payments increased. And that these decisions were made my the investors g uidelines. So then I went to seek help from a Hud counselor to see what they can do for me. My Hud counselo XXXX started making phone calls to Ocwen until she figured out why there was an increase to my payments becuase something was n't adding up, until she was trans ferred to department to department she finally got someone that was able to help her. We were explained the reason why the increase and it was due to me having two parcels in one lot. We both looked at each other confused like what we never heard such thing. So we said okay and we ended up calling our tax assessors office to confirm abou t the XXXX parcels. One parcel was mine XXXX and the second one XXXX belonged to my neighbor. So all along Ocwen was having me pay my neighbors property taxes and no one at Ocwen had the nerve to correct this error. This was the reason why my payments increased. So we called Ocwen again and explained to them about the situation that they made was a huge error on their part and that it needed to be fixed right away. My property will be in default soon due to this error and they have failed to provide me with an accurate and reasonable resolution.
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Ocwen Servicing Company LLC XXXX XXXX XXXX ... XXXX XXXX XXXX Florida ZIP code XXXX XXXX XXXX ... has been sending numerous bills claiming to be the servicer for our mortgage ... we have never received any notice from Ocwen we never did any business with Ocwen we have no contract with Ocwen ... they send numerous applications for a new loan ... some of the applications already have loan numbers on it ... their representatives have submitted false documents to the court ie.affadavits ... in support of XXXX XXXX XXXX companies foreclosure claims ... we have never even done business with XXXX XXXX in any shape form or fashion ... on XXXX XXXX XXXX XXXX we were told buy the XXXX XXXX XXXX that the case will be put on hold as requested by XXXX XXXX pending investigation by the CFPB. Feel free to use our case in any way you like.
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: A loan modification was denied and an appeal was faxed over to the lender. Since it was n't emailed to the correct department they refused to review the request. A notice of error was submitted today requesting a copy of the guidelines listed for the denial. A 20 % reduction in P & I is not a RESPA guideline and the homeowner shows he can afford his payment without that reduction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have an issue with predatory lending. The loan originated with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX during the height of the mortgage crisis. Unfortunately for me, this loan has been transferred to several loan servicing companies from Litton and currently Ocwen. I have a good credit rating and do not want to see it compromised because of this loan. Conversing with Ocwen has resulted in N O RESULTS. The loans are neither XXXX XXXX nor XXXX XXXX so I can not apply for a HARP loan to refinance my mortgage. I am have read several things online about the horrors of these loan companies and Ocwen th e loan servicing company, but do not know what to do. I need some help. Because I am upside down in my mortgage, no one will offer me an opportunity to refinance my mortgage.
Company Response:
State: VA
Zip: 23504
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A