Date Received: 2017-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen h as overcharged me in the amount of {$110.00} on my mortgage account statement, dated XXXX / XXXX / 17 , that claims to be for a property valuation expense, mortgage account statement attached. I have never requested, nor consented to, or ever been given any advanced notice that there would be such fee/charge for a property valuation expense. Where did this fee come from and why am I charged for this? Please correct this error immediately and send me a confirmation of the correct notice. I look forward to your prompt response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We purchased a home on XXXX / XXXX / XXXX and with the mortgage financed through XXXX , XXXX . The loan was sold to Ocwen Loan Services o n XXXX / XXXX / XXXX . In XXXX of XXXX I received a letter from Ocwen stating that there was an escrow shortage of {$170.00} and a coupon asking for payment. Called Ocwen asking why there was a shortage but they could not explain why. Said said that an audit was done and it came up short, not because of taxes or insurance going up. Didnt know why, but I have to pay it.. My original loan payment with XXXX was {$1500.00}. In XXXX XXXX Ocwen increased it to {$1600.00} and in XXXX they increased it again to {$1600.00}. No letter was sent to me notifying me of a payment increase either time. Again I called them and was told the increases were due to the escrow shortage that they still are not able to explain to me. After the increased payment for XXXX was paid, they still told me that the escrow shortage balance was {$170.00}. No reduction. Due to a recent financial hardship, I submitted loan modification paperwork to them on XXXX / XXXX / XXXX . All the documents that they requested were mailed to them, including bank statements, tax returns, income verifications, Social Security numbers and the completed application. The Relationship Manager assigned to my case was XXXX XXXX . He told me that documents ( which I had sent ) were missing and that I needed to resend them, which I did. Sent him an email asking that they need to be located and to check with the person that opened the package and entered the info in their system. No reply. Several days later they told me they had received everything and they would let me know the progress. They also told me that they had good news that another audit was done and now theres an escrow surplus. A check for {$240.00} would be mailed to me. Then next time we spoke there was conveniently no record of that conversation. And no check was mailed. They also told me they were again missing the same financial paperwork that I have been resending . Sent Ocwen an email ( attached ) regarding these issues and again, no reply. Its a disgrace that the consumer has no say in loans being sold and taken over by companies like Ocwen. Amazing how many Ocwen complaints are on your website and yet they are still in business.
Company Response:
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In 2013 Ocwen sta rted foreclosure. At the same time I was applied and was approved for a new mortgage through a paternership with ocwen a ist alliance lending. On the day of closing I had a ist payment certified check {$1500.00}. No one showed. I called ist alliance lawyers they told ocwen did n't show with documents to do the closing. With 9 days left to answer complaint of foreclosure I hired a lawyer. For foreclosure they had a unindorsed note and a fraudulent assignment of mortgage. They claimed securitization of the note with no evidence.
Company Response:
State: NJ
Zip: 07719
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen took over our loan from Litton in XXXX . The interest rate on the ARM went up & we co uld n't afford the monthly payment. In XXXX XXXX Ocwen ga ve us a modification at 2 % fixed and {$2700.00} payment which we could afford. In XXXX XXXX Ocwen raised i t to {$3400.00} per month citing negative escrow balance. I called & they said my property taxes went up. Me and my wife work long hours, & it 's tough to find time to make phone calls or go to offices. I managed some time & went to XXXX XXXX Tax Collector 's office. I was told the property taxes have n't gone up & have stayed at about {$8000.00} per year. After several back & forth phone calls to Ocwen, th ey could n't explain the reason for payment increase. They asked me to write to their research office in Florida. In XXXX XXXX I sent them a letter asking for details on the negative escrow balance. They never responded. In XXXX XXXX Ocwen offe red us a modification & we made two trial payments of {$2400.00} eah in XXXX & XXXX . They sent us the agreement to be signed and sent back with the last payment. Ocwen was raising our interest rate & adding a balloon payment of {$120000.00} which was never disclosed to us at the beginning. We did n't sign the agreement. In XXXX XXXX Ocwen ra ised our payment to {$4100.00} of which {$1900.00} is principal & interest & {$2200.00} is escrow. I called them & tried to get the details of how our escrow went negative when the taxes are included in the payment & are paid regularly, but they have no clear answer. We ca n't afford it and they have sent us a default notice. This is me and my wife 's one & only primary residence where we live with our XXXX kids XXXX & XXXX , & my parents XXXX & XXXX , & we will be in great distress if we lose our home. We are working with Save Your Home Californ ia to help keep our home. I want to know the reason & Ocwen t o provide proof as to how our payment went from {$2700.00} per month to {$4100.00} per month in less than 3 years. On Friday, XXXX XXXX , I read news about the lawsuit CFPB filed against Ocwen. T hat made me realize that we are not alone. Thousands other families have similar problems. Then I visited this website to file this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Payments post for the month, couple weeks later payment get moved to back payments, currently in chapter XXXX ... ..amounts not correct on website
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: OCWEN LOAN SERVIC E, XXXX XXXX XXXX FL. Paid {$2000.00} from XXXX to XXXX XXXX for Ocwen 3 month payment pla n Agreement XXXX / XXXX / XXXX paper signed for payment plan. late XXXX another paper was signed to accept Modify was ap prove by Ocwen Loan service. paid by ACH wire on XXXX . Ocwen Loan Service . XXXX XXXX letter saying your in default and modify not approve. increase payment from {$500.00} to higher amount. This has been going on Since XXXX to XXXX payment plan is not working they are wrongfully taken my funds. I have file many complaints On wh ole two y ears of payments not posted, mail copy sent copy in XXXX , this still not fix by Ocwen..Statements WAS mail 8 time in las t 5 years to fix. My New home in XXXX was bought 1st home b y XXXX XXXX th is for Year , then transfer t o Homecoming, GMA C, Ocwen t ook over XXXX . No w Ocwen r eported to agency that Ocwen m y loan since XXXX XXXX Which is false Agenc y said it was reported by GMAC person ..I wanted my funds b ack if OCWEN is not modify m y loan. THIS OCWEN PROBLEM HAS BEEN GOING ON NOW FOR 6 YEARS. OF FALSE INFO B Y OCWEN LOAN SERVICES. NOT APPLYING PAYMENT, CHARGING FOR SENDING SOMEONE TAKE PICTURE OF HO USE FOR XXXX TO XXXX , MISAPPLY PAYMENT FOR YEAR AND HALF. MY ACCOUNT STILL NOT FIX. WITH THE CORRECT AMOUNTS : AFTER SENDING STATEMENT XXXX TO XXXX . Ocwen Email : XXXX XXXX , XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX , GA XXXX Dear XXXX XXXX : OCWEN receiv ed a payment on XXXX / XXXX / XXXX for the amount of {$500.00}. Sincerely, OCWEN XXXX . XXXX XXXX XXXX XXXX XXXX , FL XXXX ( Do not send correspondence or payments to the above address. ) Dear XXXX , We have noted the account with the information you have provided. The Home Affordable Modification Prog ram ( HAMP ) Strea mline third trial payment was received on XXXX XXXX , XXXX and the trial modification plan is now complete. Please allow time for us to finalize the modification. With regards to your concern about the Tax disbursements and the transaction history, we apologize for any inconvenience this matter may h ave caused. We will send you a copy of the payment history and you should receive it by email within three d ays. To formally dispute your transaction his tory with Ocwen, plea se send a written request along with any supporting documents t o our Research Departm ent.The fax number for o ur Research D epartment is XXXX XXXX XXXX XXXX . You can also send your correspondence by mail to the following a ddress : Ocwen Loan Servicing, LLC Attention : Research Departmen t XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Counterfeit Docu ments filed, XXXX , i n Register r of De eds Office, XXXX XXXX County Michigan XXXX XXXX , Page XXXX Filed Documents do not contain the lawful signature of XXXX XXXX XXXX Notice of this filed Register of Deeds Office, XXXX XXXX County Michigan XXXX XXXX , Page XXXX Mortgage was lawfully rescinded XXXX XXXX , XXXX . TILA ( Tr uth in Lending A ct, 15 USC 1601 et seq ; 12 CFR Part 226 ) Proper Notice of Rescission filed in Register of Deeds Office, XXXX XXXX XXXX Michigan. XXXX XXXX Page XXXX Assignment of Rescinded Mortgage created by XXXX XXXX , XXXX XXXX filed a CORPORATE ASSIGNMENT OF MORTGAGE in Register of Deeds Office, XXXX XXXX County Michigan. XXXX XXXX Page XXXX OCWEN LOAN SERVICING, LLC,. then filed a CORPORATE ASSIGNMENT OF MORTGAGE in Register of Deeds Office, XXXX XXXX County Michigan. XXXX XXXX , Page XXXX OCWEN LOAN SERVICING, LLC now attempting to establish a ESCROW Account Statement dated XX/XX/2017 against XXXX XXXX XXXX for a lawfully rescinded mortgage
Company Response:
State: MI
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: 2017-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: First, this is not a live-or-die matter. I have a mortgage with Ocwen Financial. I have always paid on time. The specific matter here is a payment they say was received on XXXX ( a Mond ay ). XXXX XXXX XXXX , which sent the payment via my online bill payment account, says it was received on XXXX ( a Fr iday ). The { $98.00} penalty Ocwen assessed itself is not a " federal case '' and is hardly with bothering you. I took pains to ensure the payment would arrive before a penalty was assessed, though. What I did want to do is weigh in on Ocwen and my overall experience with them. I inherited Ocwen when my loan was sold to them, without my approval, obviously. My only experiences with them have had to do with an inquiry about refinancing at a more current rate ( at the time, they were of no help - now they are pushing refinancing ). They got my inquiry so screwed up, misunderstanding that I was only asking so that I might lower my monthly payment. They interpreted the request as my being in financial trouble and I kept getting remediation packets - six in total! - after I had disabused the m of that idea when I first spoke to them. After weeks of calls and mailings, they finally relented. My conclusion : these people are really, really stupid. Re : my current issue and their alleging I paid them a day late. I called my " customer service representative ( which is what Ocwen calls anyone who answers the phone ). He was an outsourced person ( which is OK by me, as long as they are qualified to be of help ). It turns out, not surprisingly, that he was incapable of doing anything but reading a script. Ocwen gives its customer-contact people absolutely no authority to mitigate, ameliorate or otherwise help whatsoever. Ocwen ma kes XXXX XXXX look like emissaries of XXXX XXXX . Anyway, of all the mortgage companies and servicing firms I have experienced in my 40 years as a mortgagee, I have never experienced the rank incompetence and unhelpfulne ss of Ocwen. Ever . I have held this in until now, but reading about their downgrading by XXXX and XXXX XXXX , I was prompted to speak out.
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The lender has failed to provide a response to our QWR -Qualified Written Request that was submitted to them on XXXX / XXXX / 1 7 - This is a Violation of RESPA guidelines and we are unable to provide our client with an adequate review and assistance to the ir delinquency with no response to the loan history being requested.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My XXXX XXXX XXXX mother requested a modification of a mortgage being serviced by Ocwen in XXXX , shortly after my father passed away. The tenants in the property were taking advantage of the situation where my father was XXXX XXXX XXXX and they would not pay rent. We tried to evict them for non-payment, but they used a local renters free legal aid program to take us to court, costing us thousands. Needless to say, this caused my poor mother much grief during a period where she just lot her husband of 53 years, and she was advised by a n Ocwen representative to stop making mortgage payments, so they could modify the loan. They then declined the modification request and advised my mother to sell the property on a short sale, which caused her much financial duress.The loan amount was approximately {$480000.00}.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A