Date Received: 2017-04-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XXXX XXXX , XXXX , my mortgage was modified b y Ocwen Loan Servicing, LLC. Since then, I have been paying {$2600.00} of which {$1800.00} was for principal and interest and {$760.00} was towards my escrow account. This is the amount that was reflected on my monthly mortgage billing statements. It has always been my understanding that ou r HAMP m odification included both taxes and insurance. However, on XXXX XXXX , XXXX , Ocwen noti fied me that my payment was increasing from {$2600.00} to {$4700.00} beginning XXXX XXXX , XXXX . This payment shock is causing me extreme hardship. I believe that Ocwen gr ossly mishandled my modification and escrow account. For two and half years they did not properly escrow my loan, which created severe deficiency on my loan. I have made several attempts to reach a solution for a such a large deficit in the escrow account. Most recently, Ocwen informed me that they will only accept a full reinstatement and will not be accepting monthly payments any longer from me. I feel Ocwen 's negligence and unfair business practice is driving me into foreclosure and to displace my family.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2017-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: At the time that my mortgage on XXXX XXXX XXXX, XXXX CA XXXX was previously successfully modified by OCWENs Home Retention Division in XX/XX/XXXX, the Company continued to remain negligently unaware that the subject property was not located on one property parcel ( Parcel # XXXX ), but rather two ( Parcel # XXXX and # XXXX ). This is despite the letter that I wrote dated XX/XX/XXXX to OCWEN, in which I diligently attempted to make the Company aware of their quite consequential error. My letter was ignored, as were my attempts to make this reality known to Customer Relationship Managers over the phone. Thus, while OCWEN properly established an escrow account to ensure that XXXX XXXX property tax payments were made in full and on time for the lot with Parcel # XXXX, the same payments were entirely neglected for Parcel # XXXX. Over the ensuing years, this then negligently resulted in unpaid back property taxes totalling over 44K by XX/XX/XXXX, whensingularly through my initiative and over time in collaboration with the OCWEN Consumer Ombudsman Officethese overdue taxes were then paid off in full just prior to the property becoming legally subject to the Countys impending Power to Sell. Through the Companys negligent inaction, it had thus risked my familys home, our financial livelihood, and our well-being, not to mention the homes and well-being of our tenantsonly in the 11th hour doing the right thing and paying off the account. However, because to their neglect of this second parcel, at the time that the terms of my previous mortgage modification were finalized in XX/XX/XXXX, these terms neglected to take into account the ongoing tax costs associated with this second parcel. The resulting mortgage modification is thus fundamentally flawed and entirely for unnecessary reasons that rest on OCWENs past negligence and errors in properly managing their accounting for this property. While my current adjusted payment of {$2800.00} is indeed manageable for myself and my family on an ongoing basis, demonstrating the basic reasonableness of the financial analysis that led to it in the first place, now that the escrow account has undergone its review and needs to now be reimbursed for this single large payout of over $ 44Kthe result would be that our monthly payments would instead ratchet up to {$4200.00}. Not surprisingly, based on OCWENs own previous financial analysis, this amount is far more than we can sustainably pay on a monthly basis. Thus next month I am again facing a payment that I can not make, should not have to make, and will not makeall due to OCWENs past mistakes and poor accounting, not my own. Due to the above reasons, OCWEN 's Consumer Ombudsman 's Office has agreed to serve as an internal liaison to their mortgage modification division, expressly to safeguard me from being legally responsible for the {$4200.00} XX/XX/XXXX payment that is currently about to unfairly come due. Instead, they have agreed to fasttrack my application so that it can go through with approval prior to the XX/XX/XXXX payment deadline. It is for these reasons that I found it especially disturbing to receive a letter from OCWEN dated XX/XX/XXXX which appears to once again resort to OCWEN 's corporate policy of general delay and obstructionism with regard to mortgage modification. While one hand is promising expeditious treatment for just reasons, the other is throwing up the needless redtape that so often characterizes OCWEN 's extremely poor track record of customer relations. The letter claims that OCWEN is " not able to evaluate your request for mortgage assistance because you have not submitted all the required documents ''. It then goes into some detail about what supplementary info is still required : 1 ) " Please complete the enclosed Request for Mortgage Assistance Form ( signed and dated by all contributing parties '' = > No such form is " enclosed '' with the letter sent. This is also the name of the entire document, so essentially they are asking me to start from scratch, filling out the entire very lengt hy application that they have then not bothered to provide. 2 ) " The following section should be resent : Borrower Acknowledgment and Agreement '' = > This is the name of Section 14 of the application document, only trouble with what they say is, it was filled out completely and signed on XX/XX/XXXX and sent via email on XX/XX/XXXX to OCWEN. They are simply lying here. The document only requires a signature of the borrower ( there 's only one, me ) and the date. It has both. The very idea that they would ask me to resubmit such an obviously complete and very simple document is insulting. 3 ) " The following section should be resent : Hardship Statement '' = > Similarly, they are only again asking me here to submit a form that I have already submitted completely. I filled it out in full, signed it, and dated it on XX/XX/XXXX. OCWEN received it XX/XX/XXXX. I queried one of OCWEN 's Customer Relationship Managers extensively to be sure that I checked off all the correct boxes on the form. I provided a detailed page-long explanation of our hardship that is nearly identical to the opening paragraphs of this complaint. It is very difficult to imagine how what I provided is insufficient to evaluate my request for mortgage assistance. 4 ) " Please return documentation from the provider showing the amount and frequency of the other benefit, such as letters, exhibits, or benefits statement. '' = > Apparently, my wife is supposed to provide something additional here, though exactly what was requested was what was supplied, again after extensive querying of an OCWEN Customer Relationship Manager. However, this request is stated so generally ( " documentation '' " provider '' " benefit '' ) that it almost appears to intentionally obscure what proof is being requested. Since they have all the documentation to make the request specific, and thus something which could be properly answered, why do they do nothing of the sort?
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2017-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since XXXX of XXXX every single mortgage payment that I have made to O cwen Loan Servicing has be en either lost or reversed. I always keep the confirmation email stating that the payment was made along with a corresponding email stating that the payment was received by Ocwen. However, on the following month when I attempt to make my mortgage payment my payment records indicate that the payment from the previous month was either not credited to my account or reversed. This is seriously affecting my credit score and preventing me from transferring my mortgage to a more creditable mortgage company. I am currently attempting to recover from Chapter XXXX proceedings and this ridiculous matter is causing me serious financial difficulties. It 's seems rather fishy to me that the only way that a customer can pay their mortgage without a fee is through their bank, but this appears to be the one way that is not working as it should. I 'm not understanding why a mortgage company would receive a payment from a customer, turn around and send it back to the customer and then not send any correspondence whatsoever indicating that there was a problem with the transaction. More interesting than that, how does a mortgage company mysteriously loose a customers payment all together.?
Company Response:
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2017-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We had some problem in XXXX due to financial difficulties, however, since then, we have been paying the mortgage on time. In XXXX XXXX , we filed for chapter XXXX temporarily against some body who filed a lien. we managed to dismiss the case and dismissed the chapter XXXX bankruptcy. The mortgage company were not part of the bankruptcy court but we paid them on time and sent the proof to the trustee. However, after dismissing the bankruptcy case, the mortgage company has been harassing us, telling us that we are behind for 2 months, their correspondence is not valid and we have proof that they got paid every month. Waiting for them to correct their info, but they have been refusing. We believe that because of the bankruptcy case, their action is not but harassment, they have been reposting since XXXX of this year derogatory on our credit report, and nothing we do or even send them proof of payment for the past 3 years, still, they are so arrogant, bully, and dismissal. This has been causing us tremendous stress, especially they have been threatening with foreclosure.
Company Response:
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-30
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We were having trouble with the payments and the loan was in my moms name and she is under XXXX XXXX which I did n't have to tell them because we found someone to buy the house and let us stay here as long as my mom is living, I wanted to keep the house but knew Ocwen would n't work with me on it. We had to do a modification a few years back and they said we did n't qualify for the presidents program. They wanted to know anything and everything and still did n't lower the payments any. Then they had to take out insurance because I could n't get any, because of a fire. They raised it up another {$140.00}. But when we started the closing they did n't want to give us the pay off quote, they kept changing it day by day, and did n't want to give the one handling the sale any help or any information. They have been a headache every sinc e we had to refinance with them. I have been cused by some of the hounded and heassed by them at different times. They are one company I hope to never have any more dealing with and when we had to refinance that gave us a ballon payment of {$35000.00} in 15 years.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2017-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have been making payments though Ocwen ' s website. When we submitted the request for our XXXX payment, we received an email fro m Ocwen which states the following : Thank you again for choosing to participate in Ocwens Automatic Clearing House ( ACH ) program to have your payments automatically withdrawn from your bank account. Based upon your request and approval, we have enrolled you in this free service and your first payment withdrawal date is scheduled for XXXX / XXXX / XXXX . We did not request to be enrolled in the Automatic Clearing House program. I called our relationship manager at Ocwen t o request to have us removed from the program. He just told me to cancel the payment. I am not sure if doing this will withdraw me from the ACH Program.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2017-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen failed to apply our payment received on XX/XX/XXXX in the amount {$3200.00} until XX/XX/XXXX . When Ocwen provided my XXXX for XXXX , Ocwen did not include any portion of my payment received on XX/XX/XXXX in the year end tax statements provided to me for interest and I did not receive any tax statements for property taxes for my escrow. I have repeated asked my relationship manager at Ocwen why the payment was not included in XXXX tax payments and why my payment received on XXXX was not applied until XXXX XXXX XXXX . Ocwen fails to respond to my question and has their law firm, XXXX XXXX , respond to my complaint. XXXX XXXX provides a payment schedule, but fails to explain why the XX/XX/XXXX payment was not applied until XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2017-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage payments sent to Ocwen Loan Servicing every month on time via XXXX Payments are for two homes so two checks are ALWSYS in the envelope Ocwen will process one check and not another sporadically No notification sent about missing payments Last payment sent XXXX 2016 returned stating that it is not sufficient to bring the account current Ocwen filed foreclosure on XXXX XXXX 2016 They dragged their feet on the paperwork until the last minute had to file for bankruptcy to avoid the foreclosure They claimed they could not change the foreclosure date One home was offered modification and I applied for modification in the other and it was denied I gave a chapter XXXX hearing on XX/XX/XXXX. Ocwen never notified us for three years they never got a payment. I gave copies of all checks sent to them. I have proof they only cashed some and not all. They hide behind their XXXX employees who do not have a clue. Finally spoke with someone in the US and she could not care one bit stating they denied the modification because they could not reduce the loan amount by 20 % and they are nit mortgage lenders only processors I asked to speak with the underwriters or who is in charge and that was denied Their attorneys do not care. I sent them a package via XXXX with copies of all checks sent to them. They have not returned one check or processed the payments they received. I have tried to work through this with attorneys and all I end up with is filing bankruptcy This home is in Georgia
Company Response:
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2017-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear Consumer Financial Protection Bureau Since I reported the matte r Ocwen has been trying to put m e in foreclosure after 14 years of service On XXXX XXXX I learnt my payment came back I set via XXXX XXXX and then called to resolve the next month payment by paying {$19.00} for automatic payment from the acount to start XXXX XXXX . XXXX and XXXX payment were never deducted as result I have been getting foreclosure letters. I have resolved by paying {$1100.00} through XXXX XXXX XXXX I know have a modification and need you to advice of a agent that can help borroers to lower my interest down. Ocwen has Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; Charging borrowers unauthorized fees for default-related services ; Providing false or misleading information in response to consumer complaints. . Ocwen failed to effectively assis t, and in fact impeded, struggling homeowners trying to save their homes. This included : Failing to provide accurate information about loan modifications and other loss mitigation services ; Failing to properly process borrowers applications and calculate their eligibility for loan modifications ; Providing false or misleading reasons for denying loan modifications ;
Company Response:
State: NY
Zip: 14223
Submitted Via: Web
Date Sent: 2017-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen / XXXX XXXX . Sent me modification paperwork, while the paperwork was still under review by Ocwen they submitted our home for foreclosure. I have never received any notice from Ocwen about the foreclosesure. The only reason I know about the foreclosure is from all the advertisements in my mail as well as people driving by ( which is scaring my children ) and pe ople calling me. I received notice XXXX / XXXX / XXXX that Ocwen will not modifiy my loan. Based on the modification letters and dates, Ocwen never planned to modify my loan. I still have never received any thing from Ocwen stating they were going to foreclose. I am a single parent with XXXX kids at home, XXXX of the children are XXXX XXXX XXXX XXXX and have special medical equipme nt. One of the children was born XXXX XXXX XXXX , only has a XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spent over a month a XXXX XXXX XXXX XXXX XXXX in XXXX level XXXX XXXX XXXX XXXX XXXX XXXX , he has XXXX XXXX XXXX . My children and I have been through alot. Ocwen is terr ible with paperwork, dates, payments, amounts, etc. Their information is incorrect on most of their paperwork and documents. I sent them a QWR letter to request verification last year On some of the things I asked they could not respond since they did not know. I realize this is short notice, but I just received the information. Thank you for your time. XXXX XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A