Date Received: 2017-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Loan Number : XXXX Loan Servicer : Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX , FL. XXXX Loan Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rate has been considered a Predatory rate currently at 8.37500 %, the rate has increased base on the XXXX market ( " LIBOR '' ) as published in the Wall Street Journal not the Federal rate. These type of loans were under the scrutiny of the Government and were sup posed to be eliminat ed. The Servicing Company wants you to refinance the loan when they should have modified it based on the new laws. Was assigned a Relationship Manager by Ocwen but, after 9 attempts have not had any communication with her ( XXXX XXXX XXXX ).
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I 'm a XXXX XXXX XXXX XXXX with a XXXX year child. I tried to refinance my house and use some of my equity in my home to pay for my XXXX year olds educ ational expenses. Over one year ago the title company came back and said the title to my home was clouded as a result of clearly fraudulent assignme nts by OCWEN. Enclosed you will find the title opinion from last year. OCWEN REFUSES TO EVEN ADDRESS THIS ISSUE. How can this be right? I am entitled to use the over XXXX in equity in my home and ca n't as a direct result of fr aud by OCWEN. I simply have asked them to fix the assignments. I wanted nothing from them other than to do what is legally required.
Company Response:
State: KS
Zip: 678XX
Submitted Via: Web
Date Sent: 2017-04-28
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: I XXXX XXXX , with Loan Number XXXX from OCWEN LOAN SERVICING, am writing you today to express my frustration in working with OCWEN on a mortgage modification under the Making Home Affordable program instituted by the Obama Administration. I am at a loss as to what to do now that will encourage them to act in a timely manner to finalize a modification process that began a couple of years ago. It is my hope that in filing a complaint that a resolution regarding my application for a mortgage modification can be expedited, and pressure placed on OCWEN to fulfill its obligation to act in a timely manner not only on my behalf, but on behalf of othe rs that are facing the same obstacles regarding their applications for mortgage modifications. I find it very observed that I have been trying to get a loan modification for over years, and yet, till this date, we have not been able to resolve the issue. It has come to my attention that my loan modification was denied on XXXX XXXX XXXX due to the Investor of the Mortgage does not want to participat e in a Loan Modification. In the phone conversation, you mentioned that the investor does not want to participate in the Loan Modification due to the File has been modified 2 times already in the past. I asked for the dates and you have no idea when the Loan was ever modified. To my records, and I have proof of this, my loan has been modified only one time. I requested this information to be sent 'd in writing to me, not even a denial letter was s ent 'd to me acknowle dging that the denial was denied directly from the investor. Its easier to mentioned it over the phone, but it brings up the matter that you could just be making this up to cover your assets and let me loose my home, my investment, the property that I worked so hard to live and maintain. You mentioned you could not arrange an affordable payment to support a Loan Modification due to excessive obligations to support a payment. You have received everything you needed in regards to the Loan Modification process, and acknowledge that the loan modification was in process, giving me high hopes that I would obtain a loan modification. Now I 'm not able to complete my modification and get out of trouble with foreclosure due to a misunderstandings and a misinformed process to resolve the loan modification. It is neither my intentions nor my fault that this debt has increased. Ever since my divorce, I have been the only person covering the household and expenses. I never meant to default. I been trying to resolve this issue for years with no results, basically with the same action, " I do not qualify because I do not have enough income '' when in reality everything is already clear, and you have records of this. I just find this really obnoxious and XXXX when you have a citizen like myself, asking for help, reaching out to you throughout all this time, just because I want to keep my home, my investment, the house where my children reside. In news reports I hear t hat OCWEN claims to be overwhelmed with applications for modifications. As a result, your bank is top 3 worst servicer processing a modification. When times were good and banks were encouraging everyone to take out 1st, 2nd and even 3rd mortgages they did n't seem to have any problem keeping up with the high demand. Full documentation Mortgages could be initiated and closed inside of 2 weeks. Now, when someone asks for help, it takes years with no immediate results. I understand that across the country there are several lawsuits being filed ag ainst OCWEN, some seeking class action status. I think it would be worth your time to look into doing the same on behalf of all Home Owners that are facing the same uphill battle with you OCWEN as I am. Please take in consideration that I really want to keep my property. Please help me the best you can, I know I qualify for a better Loan Modification, and it would be under our best interest to qualify this loan.
Company Response:
State: NY
Zip: 11779
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage is wi th Ocwen Home Loans, not by choice. On XXXX XXXX , XXXX , I faxed a request fo r Ocwen to discontinue my escrow according to the guidelines set forth in my agreement. In my documents, it clearly states that an escrow account is a courtesy not a requirement ; however, my request indicated that an es crow account is required, therefore my request was denied. Your account information is limited online and this company does n't honor it 's own guidelines.
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Good morning Our home is located at XXXX XXXX XXXX . XXXX The loan was transferred from XXXX XXXX XXXX XXXX to Litton then To Ocwen. This was not documented in the Court. During the Transfer the Incorrect amout was documented. We have asked Ocwen for the correct amount that was Transferred And they wo n't respond. Ocwen did not attend the Chapter XXXX Hearings in XXXX . They did not start enforcing the amount until XXXX . We questioned the Statute of Limitations for collection of The debt, they would n't respond. I have been in XXXX XXXX for 25 years. I have never done anything wrong. I have been in my Home for 20 years and would like to remain in it but would n't Like these issues satisfied. I am in XXXX XXXX and will not have An income until XXXX .
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2017-04-28
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: I had a n 80/20 loan with Ocwen. I ne ed to hurry and sell my house because of losing my job and relocating to another city with my fami ly. Ocwen offered me 2 o ptions ... short sale and turn my house back over to them. I picked short sale and filled out the paperwork with them on XXXX / XXXX / XXXX . I hired a realtor on XXXX / XXXX / XXXX . I received a cash offer 2 days after hiring my realtor. I have the entire signed contract from our buyer to prov e it. Ocwen refused to release my file. We lost that sale. They made us put the house up on their auction page. We did exactly what we were told to do b y Ocwen and we received another cash over on my house for the same amount. Ocwen still refused to release my file for the sale. We lost that sale also. In the meantime, Ocwen sold my 2nd mortgage off to XXXX XXXX during all of our selling processes. My realtor got a 3rd cash offer on the house with the new amount which only covered the first mortgage and Ocwen still would not release my file for the sell and we lost that buyer also. Our firs t 2 c ash offers were for {$100000.00} and the 3rd cas h offer was for {$85000.00}. In the end, Ocwen fo reclosed on my house, sold it for {$74000.00} and wrecked my credit. We did everything we were told to do by Ocwen.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen essentially, by their systematic practices of giving customers the runaround, ignored my complaint and their own mistakes from the start of my journey back in XXXX XXXX , which started with my request for my Tax history information for the period XXXX - XXXX . This information was supposed by be drawn from Ocwen 's Tax history ( its own proprietary management systems ), and not " third party 's '' source or an amalgam of sources for the period in quest ion. Ocwen 's has ab jectly failed on this point, and it has orally and in writing given false information to me by stating that it only possessed tax history from XXXX XXXX , XXXX ; however, have I received tax information from XXXX XXXX , XXXX to XXXX ( un verified ). Significant harm has been done here, as I have made multiple complain ts Ocwen 's deficiencies. Ocwen 's policy handbook seems devoid of the definition of " escalation ''., " Escalation Rel ationship Manager '' are policy only , not proactive procedures to adequately resolve the complaint or escalate the call for investigation. I have no way to duel check, balance or assess the vetting processing with a third party 's details, because I did not received any XXXX or statements of my Property Tax Disbursement ( when due and paid ). There is a total lack of transparency here, which is compounded by Ocwen 's continual attempts to confuse and convince me that it is not responsible for the apparently lost details and history it has failed to provided . Ocwen has als o failed to send us any accurate periodic statements detailing how Tax charges were applied, leaving me in the proverbial dark. This kind of treatment is belligerent. This i s the 21st century and regulatory practices demand that the money trail b e followed. Besides all the abo ve, Ocwens an d its attorney, XXXX , XXXX XXXX XXXX , XXXX , have taken shortcuts and preemptively initiated a foreclosure proceeding without first forwarding the Notice Of Collection subject to the Fair Debt Collection Practices Act ( FDCPA ). There is also a bright line prohibition against servicers engaging in unfair, deceptive, and abusive acts and practices related to mortgage debt collection activities. Furthermore, it warrants mentioning that, in my case, Ocwen engaging in the same behavior for which it was fined hundreds of millions of dollars in XXXX of XXXX , along with other institutions such XXXX , XXXX XXXX XXXX , XXXX and other governing entities by the Independent Foreclos ure Review ( IFR ) i.e ., Ocwen is preemptively, under false pretenses, and without regards to the regulatory and compliance procedures initiating and pursuing a foreclosure action. 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 practices, procedures and regulations. The same gave us ( the consum ers ) thirty ( 30 ) days t o answer with a dispute to the Notice. XXXX ( Ocwen ) ignored this step and filed before that deadline a Summon in New York State XXXX Supreme Court before that deadline. Ocwen has been a repeat offender with this illegal practice and violation of regulatory standards. This ultimately is costly and also violates mortgage servicing processes. ***I am requesting a copy of the Notice Of Collection, whi ch was never received. **** I have attached proof and corroborative details that Ocwen has engaged in significant, culturally pervasive, and systemic misconduct as I engaged with four of their departments on my mortgage servicing process. I believe the evidence will show that Ocwen 's behavior toward me is nothing less than unfair, deceptive, and abusive. Ocwens deficient foreclosure policies and procedures violate basic protocol.
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen ServicING are charging a lot of miscellaneous fees, high forced placed homeowner, flood, mortgage guaranty insurance.. Which causes escalate mortgage escrow payments .Therefore, we find it impossible to maintain payment. Also, Ocwen closed our mortgage in 2012 according to our credit report but kept mortgage in our name continued to bill us for the mortgage ..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ongoing issue with Ocwen Loan Servicing.No mentioning now of any loan modifications in incomplete mortgage file or in response to Florida Attorney General 's office.Both loan modifications omitted from file.Latest was approved in XX/XX/XXXX.Revoked by Ocwen without providing adequate legal basis.Trial payments were made.Payment under new agreement was made and applied.Consequent payments returned.Requesting AGAIN to get complete copies including cover letter of both loan modifications.Questionable misconduct by XXXX XXXX assigned Florida attorney representing Ocwen in Court.Failure to disclose Loan Modifications in initial complaint to courts.XX/XX/XXXX GMAC Mortgage had a four per cent fixed rate.XX/XX/XXXX XXXX XXXX Ocwen Loan Servicing Relationship Manager called me and conformed Hamp Modification was approved with payment of XXXX Dollars monthly escrowed.Fixed rate.Questionable dual tracking based on timeline events.Served via Publication when available and charging XXXX XXXX County unnecessary fees for such publication.Questionable vendetta because prior verdict not in favor of plantiff.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2017-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: From XXXX XXXX XXXX - HUD approve d Housing Counseling Agency ... this is our client 's summary : since XXXX XXXX . I have had problems communicating or voicing my concerns on multiple discrepancies with a wide range multitude of problems. ( 1 ) did not apply payments properly on my account. They falsely or by error split up monthly payments into different escrow accounts and 8 months later claimed I had not made a complete monthly payment, while I paid what was on my statement . ( 2 ) A ju dge while I was in bankruptcy which I used to save my house, ordered the original amount they claimed I was in the rears reduced by XXXX k, if it were n't for that, I would have never been in bankruptcy. ( 3 ) the XXXX was never credited ( 4 ) t he original XXXX corrected amount was never corrected in the account all the late fees, penalties, extra charges they added on based on their error was never corrected and they kept compounding. ( XXXX ) I was never afforded the ability to speak to anyone about these corrections, Operators would never know from day to day calls from me on the above issues after they all said the were documenting my account and anyone logging into my account would see the memos . ( 6 ) Operators f rom XXXX would never know who to contact within their own Co. To answer or hear my concerns, everything was always above their pay grade, and somebody would call me back, never did. ( 7 ) I was never shown where payments made were being applied even though I asked for one, ( 8 ) never given a statement ( 9 ) statements mailed to incorrect address, did not receive till 3 months later from another local business in the community, after it had been opene d. ( 10 ) went over 1 yr w out a statement after XXXX XXXX ( 11 ) r equested via XXXX to payoff my loan at XXXX , never received a response. I through XXXX at the time had authorized the agency to receive copies or correspondence, phone calls from Ocwen on my behalf as we worked on this matter through Ocwen representative that Sue was finally able to reach. ( 12 ) I have had an Ocwen operator tell me that she believed Ocwen purposely split regularly made monthly payments, split the payments up into escrow accounts they claimed were short, not telling the client for months that this was occurring w their accounts, the several months later, claiming non payment. putting the client in a bad position. This is just one thing that has happened to me. ( 13 ) I also multiple times requested a mortgage rate modification early on in the struggles w Ocwen never responded to my application or paperwork submitted on my behalf. ( 14 ) It was n't till Sue reached someone to talk to about my concerns. The first time I was given a chance to speak to someone on speaker phone at XXXX office in 4 yrs, that just was n't going to ask me for a financial update like a robo response on the multiple phone calls sometimes everyday for weeks trying to speak to anybody else other than a paid answering machine operator who could only ask for account number or social then ask for a financial update and not be able to answer any questions, they were not keeping up w my account properly it was totally in disree, nobody was managing it.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2017-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A