Date Received: 2017-04-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I received a auction date for XXXX / XXXX / XXXX . This is my primary residence I tried to do a loan modification but I was told it was incomplete. The mortgage is under my name and the a co-borrower who is also the father of my children and also the abuser. I am a victim of XXXX XXXX and currently have a restraining order active, against the co-borrower The bank is requesting a quick claim deed from the abuser it has been hard for me to locate him. I am asking for a stop or postponed this date so that I cou ld get a 3rd person involved to reach the abuser and have this document signed I also have my children contributing to th e mortgage. I am asking please to give me an opportunity to resolve this matter..I have done a loan modification in XXXX but was denied because I failed to submit a paper from the package which I did faxed to the bank and they claim they never received it. Please help me out I strongly want to keep my residence and I know that I could make mortgage payments if approved a loan modification Thank you.
Company Response:
State: MA
Zip: 01902
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: T he Company has people call me from XXXX , the XXXX saying my property is going into foreclosure. They call in the middle of my work day, ca n't understand them then they say the have n't received payment. I have been in good standing since XXXX 2012! Have not missed a payment, still trying to sleep at night. This is my custom built farmhouse. Still working on my credit. I believe it 's harassment.
Company Response:
State: CA
Zip: 939XX
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To whom it may I XXXX XXXX am a customer with Ocwen Loan Servicing LLC. I was approved for a modification Loan over two years ago. I got approved for a new modification with the same loan in XXXX XXXX . My first payment was due in XXXX XXXX The payment was made in XXXX XXXX .When it came time to make the XXXX payment Ocwen would not expect my payment because they said my dates were wrong on application but the modification had been approved in XXXX XXXX Ocwen and I have been having monthly call trying to get all the information that is necessary but I am getting the run around. Now my home is in danger of being foreclosed on XXXX XXXX ..
Company Response:
State: MO
Zip: 64130
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have attached all the documents I hav e. Ocwen is not ac counting correctly. Also back in XX/XX/XXXX , they claimed I had check returns ... .I have never in my life wrote them a check. I have auto-pay setup for the debit in the XXXX of the month. It 's up to them to retrieve these payments, this is how they had it set up. However, four da ys later they continually would charge me a late fee of XXXX . In XXXX XXXX , they debited the funds on the XXXX , and then charged me yet another late fee for the next 3 months.. and a returned check fee ... .Again I have never wrote a check to them. And I have never allowed a auto-payment to go through if the funds were not available. Also, back in XXXX I filed chapter XXXX , and the courts paid what I was behind in, which was about XXXX . This was during the transition from Litton Loans to Ocwen, all those payments went to Litton, and Ocwen recharged me for them. When Ocwen came in to play, they put that amount back on, and I have gone rounds with them for the last few years, and to avail. So I am seeking your assistance. Also looking at my Payment History they have several times were it states that the payment was reversed ... .NEVER have they or I did a reverse payment. For the payment in XXXX XXXX they claimed that a payment of XXXX was made, I NEVER paid that amount, never a partial payment, You will have to really look over all that I have submitted, they are doing me in. The statement are so confusing that I do n't understand them. However, I am always correct on how I do business. Also, I redid my mortgage and it was at a fixed rate of 2.00072 % as of XXXX , that was corrected to be 2.00 % in XXXX XXXX . However, along the way in XXXX XXXX , it changed to 4.00 % without any notice. Then XXXX XXXX at 4.00 % my fixed payment was XXXX , XXXX XXXX is changed to XXXX again without any notice. XXXX XXXX still at 4.00 % ( 30 days later ) it changed to XXXX ... .and my balance is not going down much. Looking at my Insurance activity, I 've always had Farmers insurance but Ocwen slapped their own company ( American Security Group ) on there when it was time to renew. They denied Farmers during that time. That started sometime in XXXX , seems like they were following the dir t Litton was doing. Please Advise V/r XXXX XXXX
Company Response:
State: UT
Zip: 84414
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX I retired from XXXX XXXX military after 20 years of service. Though my income had decreased, I was pursuing other careers, meeting all my appointments with the VA, and was able to keep up with my mortgage payments on the property I currently rent. I began having difficulties throughout the year and decided to apply for a hardship program in XXXX XXXX wi th Ocwen Loan Servicing. After acquiring all the necessary paper work ( proof of retirement income, XXXX awa rd letter, banking statements, renter 's agreement, renter receipts ) I successfully submitted my first hardship request on XXXX XXXX , XXXX and was denied modification in XXXX XXXX for " insufficient income to qualify for a hardship '' by 20 %. Needless to say I thought that was the definition of a hardship. After my XXXX was approved and my award increased I submitted my paperwork again. It was held up and required that I resubmit the paperwork with current signatures. By this point I had all the information readily available and was use to uploading the documents they regularly requested. On XXXX XXXX , XXXX I logged on t o Ocwen 's website to see that my application for a loan modification had been approved and received a phone call from my " Relationship Manager '' on XXXX XXXX , inquiring if I had received the documents to proceed, which he double checked and conformed that they were just mailed off that day. Surely I could n't have received them yet, bu t Ocwen is pr imarily a debt collector as is stated at the beginning of every phone call shortly after their slogan " where helping homeowners is what we do, '' so I was not surprised that he really did n't know much about its progress. When I asked why the interest rate increased he told me that it might change based on the current market. When I asked if he deals directly with the loan modification department he informed me he did not. When I asked to speak with the loan modification department he informed me that they do not discuss changes in the loan modification process over the phone. He also informed me that when I receive the modification documents, that I will have the option to appeal their decision. On XXXX XXXX , I called a Relationsh ip Manager ag ain to see if I could talk to a supervisor. I wanted an explanation to this modification decision and to see if there was anything else I might qualify for, seeing how the mortgage was going to remain higher than I was paying ( though it would be at a fixed rate and not a variable rate any longer ). The Relationsh ip Manager ( the information or rhetoric they give is the same regardless who you speak to ) informed me that the Modification is handled by the Underwriter in a different department, that they do not speak with customers directly, that I was welcomed to speak to his supervisor but there was really nothing else they could do. I am at an impasse, do I accept the new modification which will move my next payment due date b y two months and proceed to paying a higher mortgage rate of 4.2 percent which is n't really bad, or do I stick with my 2.6 variable rate which will increase in XXXX to an unknown rate at this time. What I was seeking throughout this entire process was a lower, fixed mortgage rate that my current income could manage while in between jobs. I am on my way to catching up with my mortgage payments but I am still behind. This modification that they finally approved does not seem to help those undergoing hardships.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This complaint submission is filed by legal counsel for the homeowner Defendant. Legal Counsel is the Law Offices of XXXX XXXX , PA. The homeowner Defendant is XXXX XXXX . The Plaintiff / Servicer is OCWEN LOAN SERVICING, LLC. The subject foreclosure legal action is in XXXX County, Florida. XXXX # XXXX . Ocwen Loan Servicing, LLC vs. XXXX XXXX XXXX . The subject of the complaint is based upon a good faith belief that OCWEN Loan Servicing failed itself to act in good faith to consider a Deed in Lieu resolution option for XXXX XXXX and that failure of Ocwen to act in good faith has resulted in XXXX XXXX 's home being taken back by Ocwen at the foreclosure auction sale of XXXX / XXXX / XXXX . A timeline of the circumstances and the subject of a recently filed Objection to the Foreclosure Sale is as follows : 1. The subject property was sold at foreclosure auction on XXXX XXXX , XXXX in violation of Consumer Financial Protection Bureau ( CFPB ) l oss mitigation loan servicing requirements in that the Defendant had been in active Deed in Lieu review at the time of auction sale and in accordance with Regulation X of the Real Estate Settlement Procedures / Consumer Financial Protection Bureau Mortgage Servicing Rules ( CFPB ), Plaintiff was not permitted to conduct a foreclosure sale due to that active Deed in lieu of foreclosure review. 2. The undersigned, on behalf of Defendant, HEARTY submitted a complete Deed in Lieu package to Plaintiff / Servicer OCWEN, with all required documents and financials information included therein on XXXX XXXX , XXXX . 3. On XXXX XXXX , XXXX , the office of the undersigned received an email from Plaintiffs attorney stating that the OCWEN rejected our Defendants 3rd party authorization document, alleging an invalid signature. Defendant, XXXX then executed a second 3rd party authorization document and that was delivered to Plaintiffs counsel on XXXX XXXX , XXXX . 4. On XXXX XXXX , XXXX , the office of the undersigned emailed Plaintiffs counsel requesting an update on the Deed in Lieu ( DIL ) file and received a reply that the DIL was under active review. 5. On XXXX / XXXX / XXXX , XXXX / XXXX / XXXX and XXXX / XXXX / XXXX , the office of the undersigned emailed both OCWEN and Plaintiffs counsel office with no response received as to any of those communications. 6. On XXXX / XXXX / XXXX with still no substantive reply as to the status of the DIL process, the office of the undersigned sent another email communication to Plaintiffs counsels office and did receive a reply stating that OCWEN would contact defense counsel directly to coordinate a Brokers Price Opinion ( BPO ) within 7 days. Unfortunately, that contact from OCWEN never took place. 7 . On XXXX / XXXX / XXXX , Defendants counsel received an email from Plaintiffs counsel stating that the DIL had been approved with the condition that client signs a promissory note for {$60000.00}. That offer was presented to the Defendant and rejected the offer due to a lack of affordability. 8 . On XXXX / XXXX / XXXX , Plaintiffs counsel requested a letter from XXXX detailing why the defendant was unable / unwilling to accept the offer which included the {$60000.00} promissory note obligation. Also at that time, Plaintiff requested more recent bank statements and paystubs from XXXX . 9. The requested letter of explanation was provided to Plaintiffs counsel and the updated financial documentation was provided to OCWEN on XXXX / XXXX / XXXX . 10. On XXXX / XXXX / XXXX , the office of the undersigned received a new DIL offer from Plaintiff extending Approval terms to XXXX to either execute a {$48000.00} Promissory Note, payable in 120 installments, OR a one-time cash contribution of {$5000.00} upon the execution of a Deed-in-Lieu. 11. Following a brief period of consideration by XXXX , on XXXX / XXXX / XXXX , the office of the undersigned, in a written communication to Plaintiffs counsel, accepted the offer for HEARTY to pay a {$5000.00} cash contribution to close the DIL. No reply was received. 12. On XXXX / XXXX / XXXX , Defense counsel emailed Plaintiffs counsel following up on the offer acceptance and requesting a status update. Defense counsel was informed that Plaintiffs counsel would need to check with their client and would advise. 13 . On XXXX / XXXX / XXXX , XXXX counsel delivered an email to OCWEN which stated : On the XXXX of XXXX our office sent an email to your attorney letting them know that our client has accepted a {$5000.00} one time cash contribution to the bank and completion of DIL. I have been trying to get an update, but we still have not heard back. Please provide an update. 14. On XXXX / XXXX / XXXX , Plaintiffs counsel called the office of the undersigned to explain that OCWEN had terminated the offer of {$5000.00} cash contribution but counsel also stated that he was trying to get OCWEN to continue to process the open DIL, as opposed to starting the process again from inception. 15. On XXXX / XXXX / XXXX , XXXX escalation department emailed the office of the undersigned requesting updated bank statements and a new RMA Defendant HEARTY supplied those documents that same day and XXXX counsel emailed them to OCWEN that same day. Further communications by Defense counsel continued with no substantive reply. 16 . On XXXX / XXXX / XXXX , the office of the undersigned, received a call from the OCWEN current relationship manager , XXXX XXXX , requesting most recent bank statements and a letter explaining that the property was vacant and therefore there was no lease agreement in the file. Defendant, XXXX provided the requested letter and Defense counsel provided that letter to OCWEN along with the new bank statements and pay stubs. Follow up communications continued approximately every four ( 4 ) days thereafter with no substantive reply from OCWEN. 17. Finally, on XXXX / XXXX / XXXX , XXXX acknowledged that the DIL file was under active review. Follow up communications continued. 18. On XXXX / XXXX / XXXX , during a telephone communication with an OCWEN representative, Defense counsel was notified that OCWEN had assigned a new relationship manage to the file and that additional bank statements and pay stubs would be required in order for the DIL review to move forward. 19. Throughout the month of XXXX , Defense counsel repeatedly inquired with Plaintiffs counsel as to whether they had received instructions from their client to file a Motion to Cancel the upcoming auction sale date of XXXX / XXXX / XXXX , because of the open and active DIL process. However Plaintiff did not file a Motion to Cancel the auction sale of XXXX / XXXX / XXXX . Instead, the undersigned prepared, filed and prevailed on a motion to cancel that sale date based upon the open and active DIL review. The sale rescheduled to XXXX / XXXX / XXXX . 20. On XXXX / XXXX / XXXX , in an abundance of caution, the most current banks statement and paystubs were again, provided to OCWEN. 21. Follow up communications regarding the DIL process continued, directed to both OCWEN and Plaintiffs counsel with no substantive reply. 22. Finally, on XXXX / XXXX / XXXX , defense counsel received a reply from OCWEN stating that the DIL file was under review. 23. On XXXX / XXXX / XXXX , the office of the undersigned received a telephone call from another relationship manager ( the 3rd since XXXX / XXXX / XXXX ). She only provided the name XXXX and ID # XXXX . XXXX stated that OCWEN had requested for their counsel to order a Title Report and that it would take 7-10 days but as long as the title search came back clean, OCWEN would instruct its counsel to draft the DIL documents. 24 . On XXXX / XXXX / XXXX , defense counsel was informed that the title report had not yet been obtained. Further, on XXXX / XXXX / XXXX , still no title report had been obtained. 25. Also, on XXXX / XXXX / XXXX , the undersigned was informed by an OCWEN representative that OCWEN needed physical access to the property as a final step of the DIL process. XXXX , who permanently resides in Pennsylvania, requested a former neighbor in XXXX County to visit the subject home to make certain it was in fair condition for the anticipated inspection by OCWEN. At that time, it was discovered that the locks had been changed by a company called XXXX that had been contracted for that service by OCWEN, preventing access to the property. 26. During communications with OCWEN on XXXX / XXXX / XXXX , a representative only referring to himself as XXXX with ID # XXXX , stated that the DIL file was now with FANNIE MAE and that he was trying to determine if FANNIE MAE had yet contacted Altisource regarding access. 27. Defense counsel continued to follow up, which did result in Plaintiffs Counsel filing a Motion to Cancel the upcoming 4/12/17 auction sale date based upon the active DIL review. Unfortunately, that Motion was denied by the Court on XXXX / XXXX / XXXX and the subject property went to auction sale on XXXX / XXXX / XXXX and was sold back to the Plaintiff. 28. The foreclosure auction sale of XXXX XXXX , XXXX took place under highly irregular circumstances in that Defendant, HEARTY had accepted Plaintiffs DIL offer involving a {$5000.00} contribution no later than XXXX XXXX , XXXX and therefore, the DIL should have been finalized within weeks of that offer and acceptance. In the alternative, the auction sale should not have gone forward on XXXX / XXXX / XXXX , because the DIL had been conditionally approved no later than XXXX XXXX , XXXX , and therefore, Plaintiff was obligated to file a motion to dismiss the action and to dissolve the XXXX XXXX prior to the auction sale date of XXXX / XXXX / XXXX . 29. Consequently, the sale that took place on XXXX XXXX , XXXX , was an unlawful taking of property in violation of the Consumer Financial Protection Bureau guidelines established by the United States Federal Government, Department of Justice. XXXX . Defense seeks for Plaintiff to voluntarily vacate the XXXX / XXXX / XXXX auction sale and corresponding Certificate of Sale and thereafter, issue an expeditious approval of the mutually agreed upon offered and accepted DIL terms.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen continues to give me a run around. Ocwen continues to refuse to include both non borrower 's income and borrower 's income to evaluate my mortgage for a loan modification. Ocwen has failed to accurately evaluate my request for mortgage assistance based on my household ' source of income that has already been submitted to them. Ocwen 's notic e dated XXXX / XXXX / XXXX , states, " The denial decision was based on the monthly gross income you reported, which was {$430.00} '', see notice attached. Ocwen 's no tice dated XXXX / XXXX / XXXX , states " I ncome calculation : you have two sources of income : Social Security income and contribution from two non-borrowers '', see notice attached. The notice includes both the income amounts and calculations from both non-borrowers and borrowers income. I have repeatedly told Ocwen that there are both non-borrower 's income and borrower 's income that pays for the mortgage, previously documented and incomes have been submitted. Ocwen continues to ignore and deliberately refuses to evaluate my request for mortgage assistance for a loan modification based on both my non-borrower and borrower sources of income. Ocwen contines to give me a run around, fails and refuses to correct errors, and sends me inaccurate notices and denial letters. Ocwen 's incompetence and improper practices has cost me money. I am in imminent default and I request that my submitted mortgage assistance application be evaluated for an affordable loan modification under the Federal HAMP Tier I and Tier II guidelines. I look forward to your prompt response.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: CONTACT : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX . XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX ________________________________________ to the BBB. Since OCWEN 's letter of resolution sent to me XX/XX/XXXX, I have received repeated letters of harassment from the ocwen regarding my mortgage even though it has been paid each and every month since XX/XX/XXXX. I have never been 30 late with my mortgage. this is intentional and emotional attempting me to comply to their modification which I rejected. I received a letter todayXX/XX/XXXX, dated XX/XX/XXXX from Ocwen stating I was delinquent in the amount of {$5700.00} for {$2300.00} for XX/XX/XXXX & {$2300.00} XX/XX/XXXX. payments which were prevously paid. also, the letter stated that from XX/XX/XXXX through XX/XX/XXXX I owed {$670.00} for these months totaling {$2600.00} as uncollected money. Please keep in mind that my original payment of XXXX is what I had paying UNTIL again, I applied and rejected their modification of approx. {$700.00} a monthly increase. I have left messages for the office of ombudsman repeatedly since this time and with the exception of my XX/XX/XXXX mortgage, ( which they manually processed of {$1600.00} ), I can not get a return call. I do not owe any of these amounts. to make matters worse since the original mortgage with XXXX ( ocwen brought out in XX/XX/XXXX ), I have spoken many times with their reps attempting pay because their system keeps telling me that I must pay in XX/XX/XXXX XXXX to cover taxes each month for XX/XX/XXXX which I did. The have never paid my taxes & insurance prior to XX/XX/XXXX. I have always paid independently my own taxes and fire insurance annually w/o escrowing them.. in XX/XX/XXXX, I discovered that ocwen paid my taxes w/o me knowing and is forcing me into the {$2300.00}. monthly this is forcing me into hardship ... also, to make matters worse, they are intentionally assessing me forXX/XX/XXXX thru XX/XX/XXXX {$2600.00} in arrearage into their modification which I declined. Furthermore, when I went to pay my XX/XX/XXXX mortgage the system electronically indicated that I owed {$2700.00} for month which is increasing steadily each month. This is totally extremely an error they are intentionally frauding me to pay the prior 4 month of XX/XX/XXXX while steadily increase my mortgage and threating me with letters of foreclosure and the loss of my home the letter states. which escalating monthly. this has created great threats and emotionally drained dealing with this issue. I called monthly to their system to pay only to get a different rep from another county insisting that they are correct along with repeated monthly calls. I NEED THIS COMPANY TO RETURN BACK TO MY ORGINIAL PAYMENT OF {$1600.00} AND STOP THE REPEATED LETTERS AND CALLS REGARDING TAKING AND STOP THREATHING MY HOME THRU FORECLOSURE. PLEASE CALL ME THANKS XXXX Dear XXXX XXXX : On behalf of Ocwen Loan Servicing, LLC ( Ocwen ), the Office of the Consumer Ombudsman would like to thank you for your correspondence received on XX/XX/XXXX, regarding the above-referenced account. The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues.
Our records indicate the monthly payment inadvertently reverted back to {$2200.00}, which included funds for the escrow account. The account has again been updated to remove the escrow payment from the account. As of the date of this letter, the account is due for the XX/XX/XXXX payment in the amount of {$1600.00}. I will ensure any late charge assessed for the XX/XX/XXXX payment is removed. In addition, I will ensure if any negative remarks are reported to the credit reporting agencies, that they are removed. On behalf of Ocwen, I apologize for any frustration or inconvenience this matter may have caused. The Office of the Consumer Ombudsman is your advocate to ensuring that Ocwen 's servicing remains fair, reasonable, and proper. Sincerely, XXXX XXXX XXXX The consumer indicated he/she DID NOT accept the response from the business. What they are saying is NOT the entire truth. I have attempted to pay my XX/XX/XXXX mortgage {$1600.00} this month to avoid a late fee, but the system as of XX/XX/XXXX IS STILL requesting that I pay {$2200.00}. On XX/XX/XXXXI called because I received a bill in the amount of {$3300.00} staying that I have n't paid XX/XX/XXXX and they were requested XX/XX/XXXX as well. the entire month the system was would place my mortgage in suspense until I paid the balance which was the escrow XXXX I spoke with a rep on XX/XX/XXXX and again I tried to pay and they stated that since I have filed a compliant the XXXX the system would still take additional 5 business days to update. As stated in my complaint, I have never been reported late to the XXXX and I would ask that would you please insure that this entire process does not effect my credit status in good standing w/the XXXX. otherwise, I will again attempt after the 5 business days to pay my XX/XX/XXXXhopefully w/o incident. Dear XXXX XXXX : On behalf of Ocwen Loan Servicing, LLC ( Ocwen ), the Office of the Consumer Ombudsman would like to thank you for your correspondence received on XX/XX/XXXX, regarding the above-referenced account. The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. Ocwen 's records indicate the account was previously approved for a Home Affordable Modification trial loan modification. The trial loan modification included an escrow account for property taxes and homeowner 's insurance, which were not previously included with the monthly payment. The HAMP trial loan modification was scheduled to begin with the XX/XX/XXXX payment, in the amount of {$2200.00}. This payment would have included principal and interest in the amount of {$1400.00} and escrow in the amount of {$790.00}. The contractual principal and interest payment is {$1600.00}. , the HAMP trial loan modification was canceled and the escrow account was removed. is once again responsible for remitting payment directly to the tax collector and insurance carrier. As of XX/XX/XXXX, the payment was updated to {$1600.00}, which includes principal and interest only. As of the date of this letter, the account is due for the XX/XX/XXXXpayment in the amount of {$1600.00}. Thank you for bringing your payment concerns to our attention. Ocwen has resolved the issue you identified effective XX/XX/XXXX. If you believe there is documentation relevant to your issue which was not provided, you may request such documents by contacting me directly at : IN XX/XX/XXXXI TRIED TO REFINANCE WITH THERE OFFICE AND THEY REFUSE STATING CREDIT SCORE WAS LOW EVEN THOUGH BUT MY TRACK RECORD WITH THEM WAS NEVER MISSING PAYMENTS. I AM CAUGHT IN A WEB BECAUSE OF HIGH RATE.Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We are in default of our mortgage. OCWEN has mishandled most of the correspondence. I filed a Ch XXXX in XXXX to stop the foreclosure which was scheduled for XXXX XXXX XXXX . OWCEN via XXXX XXXX filed for relief and the judge granted it in XXXX . Since then the information that I receive from OCWEN is conf using & very often conflicts from what they had said in a prior phone call. Also, I received a letter on XXXX XXXX XXXX " IMPORTANT INFORMATION ABOUT YOUR CONDITIONAL DEED IN LIEU OF FORECLOSURE APPROVAL ''. I received a call from OCWEN on XXXX XXXX - they said that there were liens on the property and asked me to get a pen to write them down. I said no - that I needed it in writing and that it seemed to me that this would be the legal protocol. Then they recited my email address - incorrectly - I had updated this 4 times in the past yet they still have the incorrec t one. I now question what email communications that I have missed that may have prevented a foreclosure. When the judge granted relief to OCWEN they asked t hat my attorney provide authorization & permission to directly speak with me which was faxed to them on the day of their request. Mos t timea that I call they claim that they do not have the authorization document & when I insist that they DO I get put on hold for up to 30 minutes while they check for it - and they always come back and apologize for the inconvenience saying that I do have this authorization. OCWEN called m e on Monday, XXXX XXXX and left a voice mail. I called them back today, Wednesday, XXXX XXXX and my " relationship manager '', XXXX XXXX XXXX , said that she could not speak to me - did not have this authorization from my attorney - looked for it while I was on hold - and came back to say there is no such authorization & to call my attorney. I am completely frustrated because o f OCWEN inab ility to maintain up to date information and generally manage the D.I.L. application status for this mortgage. OCWEN has h ad me in the dark for months now.
Company Response:
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: A few years ago during divor ce, Ocwen o btained our mortgage and immediate took our payments from XXXX to 1300+. Since divorci ng I tried to modify b ut Ocwen declined. I then refinanced and rolled missed payments into loan. Ocwen raised payments again and I missed a couple mortgage payments due to loss of job. I then tried to semd the missed in and Again asked for a modification since they had raised the payment three times. I was again denied. We are s truggling but filed bankruptcy and are making their payments. XXXX 2017 I received a letter from Ocwen stat ing they were raising the escrow to XXXX starting XXXX XXXX 2017 . That will raise my payment XXXX more dollars. Yesterday I received another letter from Ocwen saying that as of XXXX XXXX the escrow would now be going up to {$1000.00} raising the payment {$500.00}. THIS HAS GOT TO STOP. I know what my taxes are they are XXXX year the insurance on my house I have several quotes for none of them exceed {$1200.00}. So Ocwen 's deman for a XXXX + escr ow a month is ridiculous!!! They are Crooks trying to take the property we work hard for. Only gone up XXXX in the past but my house payment has gone that XXXX in the pa st six y ears and now they 're trying to raise it another XXXX by next XXXX 2017 . PLEASE HELP!!! Please make them modify balance on home, repay some funds, go back down on payment . Seven years ago my payment was XXXX by XXXX Ocwen w ant it now to be XXXX . As you will see the principal and interest is XXXX XXXX the escro w ( {$1000.00} ) is exceeding th e monthly payment and interest. Please stop them!
Company Response:
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A