Date Received: 2017-05-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Please see the attached XXXX XXXX XXXX for details of the homeowner 's grievances regarding Ocwen Loan Servicing. In brief, Ocwen Loan Servicing made a modification agreement with the homeowne r in XXXX , which she paid into faithfully for several years. However, although Ocwen accepted the payments, Ocwen did not honor the loan modification. In XXXX Ocwen rejected payment. In XXXX Ocwen commenced a foreclosure action in which the XXXX modification agreement was not acknowledged. Ocwen has since agreed that the modification took place, but has not corrected the account and continues to charge interest and demand payment as though the XXXX agreement had not occurred. ( See paragraph 12 of t he Plaintiff 's Opposition to XXXX to Dismiss. ) Ocwen has thus far been unable to provide a clear accounting of what has happened with this loan. Later in XXXX the homeowner received a notice from XXXX , through which many of the payments were made, indicating that Ocwen had rejected a large number of her payments. This was the first time she received any notice that her payments from XXXX through XXXX were being rejected. They had been accepted previously.
Company Response:
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: OCWEN/GMAC MORTGAGE WAS PAID IN XX/XX/XXXX BEING REPORTED AS CHARGED OFF INSEAD OF PAID
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Ocwen over charged us approx up to {$170000.00} in excess fees and escrows, interest etc. and would NOT give us accounting prior to our settling this mortgage when we sold house In XXXX or to present after we and attorney requested a myriad of times to see the accountings. Right. NOw we have filed lawsuit against and still are not getting the paperwork
Company Response:
State: FL
Zip: 33446
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: There are no notice of assignments recorded at county sh owing loans Deed of Trust has been service transferred to Ocwen. Recording of th e deed of Trust is required especially under Missouri power of sale provisions. The servicer must possess servicing rights to the Deed of trust in order to foreclose . Ocwen has failed to demonstrate proper assignments of custodial servicing rights to the loan at the county l and recorders office of XXXX XXXX . Hence the reasons why there are very stringent notice requirements and the legal documents are required to contain the power of sale language in order to use the non-judicial foreclosure method. Due to Ocwen failed proof of loan assignments its highly logical to determine that the acting substitute trustee which is XXXX XXXX XXXX at phone number XXXX ; is attempting to, execute a power sf sale under invalidated circumstance s. Ocwen in dicates that they are executing sale based on a previously recorded Substitute deed of Trust from XXXX , which may be in error due to Ocwen faults and failed proof in loan assignments. Furthermore, Ocwen, provided no written notice of foreclosure sale date of XXXX XXXX , XXXX . Used illegal foreclosure attempts and tactics ignored, due process under Missour i State non-judicial foreclosure laws. XXXX XXXX XXXX alleges to have mailed certified letter indicating the scheduled XXXX XXXX , XXXX , sale date back on XXXX XXXX , XXXX . No letter has ever been received to date, as it was to be addressed to me property address. The entire process has been a game of smoke and mirrors with Ocwen. They are belittling the mortgage crisis and the system for their own companies gains. Both Ocwen and their sister company Alti-source XXXX XXXX , ( f oreclosure mill ) is nothing more than a roulette system of confusion, foreclosure and profits. Both have seen devastating losses from a recent law suit brought by the Consumer Financial Protection Bureau ( CFPB ). * *Attempted to commit Fraud an d misrepresentation to foreclose by executing illegal foreclosure action with notification nor publications. Violation of Notice requirements are referenced in Missouri Revised Statutes Chap ter 443.320. A notice of foreclosure sale must be published at lease twenty ( 20 ) times and c ontinued to the day of sale in the event the property is located in a city of XXXX inhabitants or more. In other geographical areas publication must occur four at least four successive weeks the last advertisement no more than a week from the date of the sale. Within 20 days of the date of the sale the trustee must provide notice by registered or certified mail to the borrower and other parties in interest of the sale date and time, the terms of the sale and a description of the property to be sold. Foreclosure sales are to be held between XXXX and XXXX to be deemed commercially reasonable. Ocwen has violated all, Sale requirements which are referenced in Missouri Revised Statutes, Chapter 443.327. It is also my belief that there is no power of sale language within the Deed of Trust, however Ocwen has refu sed to respond to qualified written request ( QWR ), nor have they identify a power of sale addendum/clause within. All sale attempts should be cancelled immediately and followed with investigation accordingly. That being the cas e Ocwen shoul d be forced to complete a foreclosure via judicial process with a 1 year right for redemption period in which I have to pay the balance of the loan or not. Im demanding that these illegal acts be addressed and that my foreclosure be remained cancelled . Ocwen is currently being sued by the CFPB for these very same acts of treachery
Company Response:
State: MO
Zip: 64052
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Today XX/XX/XXXX I will be sending in documents. Sale date issued - violation of RESPA - I never ot notice of the sale from OCWEN or XXXX XXXX the bank being investigated fro XXXX money laundering. I was force to file chapter XXXX to stop the sale date. I had to go through this last years and filed chapter XXXX last years as well due to the same actions. I have tried to modify since XXXX when Litton sold to OCWEN and used forced placed insurance when I had insurance. I am part of the Litton/OCWEN Settlement for the " Constant Judgment '' against OCWEN. I seek the written requirement that give those harmed the ability to modify under consumer relief for those that want and can save their homes. I want and can pay for this home. Now more fraud while under Settlement of RESPA violation of no notice for a sale date. Only by Realtor 's did I learn of the sale. Please help, sending in documents today XXXX .
Company Response:
State: WA
Zip: 98671
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX / XXXX / XXXX my mortgage servicing compa ny ( Ocwen ) received my cashier check in the amount of {$14000.00} which was applied toward the period of XXXX / XXXX / XXXX through XXXX / XXXX / XXXX . I had received a notice of default from the company for that period. As instructed by the company, prior to submitting my payment, I called to verify the EXACT AMOUNT past due on the account. I was told to send a bank check in the amount of {$14000.00} which was the exact amount needed to bring my mortgage current to XXXX / XXXX / XXXX and was received b y Ocwen on XXXX / XXXX / XXXX . I sent my check XXXX . XXXX in the amount of {$20000.00} under separate cover which the company received and applied accordingly for XXXX / XXXX / XXXX . I specifically asked for the exact amount that would be due for XXXX / XXXX / XXXX and was told {$20000.00}. I was assured there would be no additional charges. When I received my statement for XXXX / XXXX / XXXX , there was a total amount due of {$4200.00} ( {$ 2000.00} for XXXX / XXXX / XXXX and {$2200.00} listed as past due fees/other charges. I wrote a letter to the company requesting an explanation, and was told these fees were from servicing fees incurred in XXXX whe n Ocwen acquired the loan from Homeward Residential. I am not in agreement with these additional fees and respectfully request your assistance in resolving this matter.
Company Response:
State: NY
Zip: 11010
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Las t XX/XX/XXXX , I called OCWEN about my home loan in regard to it 's converting from the ARM to pay down. I knew it was coming up. They informed me on the phone that it was not going to mature and that I was good. I was shocked in XX/XX/XXXX when I received a call that I was late on part of my payment. My mortgage went from XXXX to XXXX . I was told I could modify, but found out 4 m onths later, that the loan I have specifically says I can not be modified. The lack of professionalism throughout can not be overlooked and fraudulent and ignorant activities seemed shocking. I continued to pay my payments in two increments, the original payment, and the balance to cover the new monthly. I was finally able to refinance my loan. Apparently in one of the last months, XX/XX/XXXX , I was late 3 days on a partial payment. It was either my error or the bank, but either way, it was three days on only a part of the payment. Because of this, they reported me and my Credit score was severely impacted. It then caused me not to be able to refinance a HELOC at that time. I have been rejected in my attempts to appeal to OCWEN and to be honest, they have never been helpful throughout my experience with them. Their incompetence has been a hurdle I have dealt with since my loan was sold to them. I feel that OCWENs practices are questionable and their reporting me was above the necessary. Also, their fraudulent information given to me hindered my ability to make good decisions about my loan. Much of this would have been avoided if they had not lied to me. This lying seems illegal especially based on the fact they were able in return make more money off me. I want to report them for their questionable practices.
Company Response:
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: loan XXXX serviced by Ocwen many attempts to get a suitable modification plan ; Ocwen failed at all options began foreclosure again while I am recovering from a XXXX XXXX in addition the original note of the deed of trust is wrong Paragraph 2 of the original note says INTEREST ; this is a PITI loa n not interest The word interest is wrong and make the note invalid Ocwen says since they did n't prepare the note that it was an oversight.
Company Response:
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Loan number # XXXX OCWEN Short Sale OCWEN is forcing an illegal foreclosure in the midst of short sale negotiations and has not served the home owner with foreclosure paperwork. the foreclosure date was re-assigned yesterday for XXXX/17
Company Response:
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was trying to remove ex wife from title and they told you to apply for a modification and I was told in order to qualify you will need to stop making payments. The application process halted because they were requesting income documents from my ex wife. I did not receive written or verbal communication that there were missing documents from your submission and they did not advise of this until you called in to check the status. I was later told they did not contact you because of your ex wife 's bankruptcy. I did not have a bankruptcy and they should be in contact with me, they agreed and updated the system. I was then told by a different representative a month after my documents were sent that a modification would not remove her from the note and to do an assumption and requested paperwork and you sent in. They then said weeks later I can not do an assumption because your past due, which was their original instruction. They said they will continue with modification to bring me current, and requested documents I had already submitted. When you advised this my account manager had you send directly to her and said had to be that day because foreclosure sale is scheduled for XXXX . I was not provided written notice when they initiated the foreclosure process ( due to ex wife bankruptcy ) I was not provided written notice when a sale date was scheduled ( due to ex wife bankrupt cy ) Thi s all started in the middle of XXXX , they received all documents from me XXXX / XXXX / XXXX but then continually asked for more documents.
Company Response:
State: MO
Zip: 63303
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A