Date Received: 2017-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Mortgage has failed to cancel my PMI, or even respond to the request adequately. The only response I have received is that they received an unspecified request and will evaluate i t ( n ot even mentioning the actual request ). No response since then. I understand the CFPB is already pursuing Ocwen on man y levels, I just want to join the cause!
Company Response:
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This complaint involve s Ocwen Bank. My mother and her partner owned a home in XXXX Arizona. My mothers partner died over XXXX XXXX XXXX . My mom died XXXX XXXX XXXX I am the successor trustee for my mom. I have since XXXX tried to get Ocwen to change the mailing address and get me information on the mortgage so we can pay them. My mom paid on line so did n't receive mortgage statements. I have provided on numerous occasions all documentation showing both parties died and that I am the successor trustee of my moms trust as well ad death certificates. They refuse to change the address or to give me any information. The home is vacant for 4 months. Ocwen will only accept faxes, no e-mails or other communication allowed. They say after the fax is received, they will contact you within 3 days, but it usually takes about XXXX weeks. The folks working for Ocwen including managers are like robots and they repeat the same arguments that I am not entitled to any mail nor any information on this loan.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-21
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Again I come with the continuinf complaints against Ocwen and XXXX XXXX . yesterdays complaint by you came in part from my complaints, I have a hearing on XXXX XXXX where Ocwen a nd XXXX XXXX will try to sell the home from a bogus orde r in XX/XX/XXXX that the court can dismiss or this complaint of yours can help.i am filing a copy to the court today, but can you aid me in this as I am the guy who helped create your office.The XXXX loan was a fraud, and the dox went into XXXX trusts! they are RICO and want help
Company Response:
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-21
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Ocwen called us about our Mortgage, said we were behind, we were NOT in fact we had paid over what we owed. We pulled bank records etc to proved where we paid and asked where it had gone, no response. Next I know we are getting letters stating our home is going in forclosure and going to be offered on a sheriffs sale unless we take this Modification they are offering. after going back in forth with them for weeks, months we were forced into taking this modifaction just to keep our house, then find out after we sign it the added a balloon to the loan and has hurt our credit. I was at an XXXX credit score now I am at a XXXX . Oh also our payments went up, not down, however I cant find another company to take over the loan as they have hurt our credit, added all these fees etc to the loan resulting in thousands of dollars, what does one do? please let me know what we do at this point.
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Hello CFPB, We just read about the multistate action involving Ocwen Loan Servicing. Is there a plan to provide consumers victimize d by Ocwen with a s hare of the fines levied against Ocean? In XXXX after Ocwen claimed we were behind in our escrow balance we initiated our own research and found our escrow account had been mishandled by Ocwen. After m onths of effort on our part to get our escrow funds back and eventually refinancing our home, we got out from und er Ocwen and their thr eats to dramatically increase our mortgage payments. We spoke with several attorneys in XXXX and they felt there must be many others affected by similar Ocwen stunts but believed it was cheaper for us to refinance and move on. Are previous customers of Ocwen going to receive any money for damages ( stress, lost time, lost money, etc. ) from this action? We are Maryland residents and would like to know how to file a claim. Thank you.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: No surprise, but my issue is wi th Ocwen Loan Servicing. I was assigned t o Ocwen by XXXX about 3 years ago. In that time, it has been beyond a nightmare to deal with Ocwen, a nd although there were some mistakes on my part, the experience of dealing with them has left me speechless. In XXXX XXXX XXXX , I had XXXX XXXX which resulted in a long period of rehabilitation and being off of work. Prior to my XXXX I contacted Ocwen to see what options existed to avoid an issue with my mortgage. I was told nothing existed and I needed to keep them informed of my situation and catch up payments when I returned to work. I called every 2 weeks to keep them informed, but after 3 months received a letter stating Ocwen was pursuing foreclosure. Another call yielded no results and I was told to get current on my payment or risk foreclosure. I attempted to file a modification. Once the packet was completed and I was told the modification was approved, and to follow the instructions on the paperwork I received in the mail. The paperwork never showed up, s o 3 weeks later I called and was told that the due date had passed and the modifica tion was cancelled. I went through making partial payments as I could, but they were not applied to the monthly paymebt because they werent full payments. So I recd another foreclosure letter in XXXX XXXX . Upon contacting customer service I was told I woyld have to go through the modification process all over. I did, and submitted all necessary paperwork. After 3 months of inquirimg I was told there was paperwork missing and the modification would have to be started from the beginning again. In XXXX XXXX I submitted once again the necessary paperwork, and was told it would take a month or two and once the modific ation was approved I would receive the packet in the mail with instructions. In XXXX XXXX I called to find out about paperwork and was told I should have recd it, but never did. I was also told the modification date had passed and that I would need to go through it even again, from the beginning. I completed the paperwork once again, submitted, and called consistently to see what the status was. After multiple ( o ver 10 ) calls, I fi nally received paperwork. Only to find out that the modification details required me to pay the mortgage note at the same monthly payment as it was ptevious to the modification, for 20 years and also required a balloon payment of XXXX XXXX dollars which Ocwen was not responsible to finance, at the end of the loan. After talking to Ocwen an d writing them to inform them that these terms were unacceptable, and going through modification paperwork even again, I recd another modification packet in XXXX XXXX , which now had still not adjusted the monthly payment, and now made the balloon payment XXXX XXXX dollars. After multiple calls and a letter in writing, I had to complete yet even another modification packet, sent it in. After multiple calls, found out on XXXX XXXX through a customer service person, that my modification had been approved and the first payment was due XXXX XXXX , which was 2 w eels prior. After sending an email and calling, I was told once again, the ppwk had been sent and I shouldve recd it. I finally receive the modification packet on XXXX XXXX , and there is no change in monthly payment and still a balloon payment of XXXX XXXX dollars. So I emailed, and was told to get the payment in as soon as possible. Being that it is alrea dy 3 wee ks past the due date, Im not even sure that this modification wont be cancelled. So that is where I stand now, and can not get an answer on the balloon payment, or why the terms of the modification hadnt changed from the original terms, or what will happen to the modification seeing as it is already 3 wks past the due date and I just received the packet.
Company Response:
State: IL
Zip: 60452
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We purchased our home XXXX XXXX XXXX . HUD assumed my mortgage XXXX XXXX XXXX , and sold my Loan to Ocwen in an Alonge dated XXXX XXXX , XXXX . I had payed HUD XXXX for two years from XXXX till sale to Ocwen in XXXX which was a slight reduction from XXXX due to our XXXX losses. Ocwen says I only paid XXXX . I have original letter head from HUD verifying XXXX ... their 's is not on H UD Letter Head ... .I hav e constantly had issues of harassment, they even tried to process a payment of XXXX thru my checking years ago, conflicting statements, a forced foreclosure resulting in having to pay XXXX to get back in good graces and now my loan is up XXXX XXXX and they are saying I still owe approx XXXX have not asked for final payoff yet. There have been multiple other issues such as back posting, unsubstantiated late payment charges, property inspection fees, I asked to pay my own taxes they sent me XXXX checks from escrow but say they have no record of XXXX of them ... I cashed none of them ... switched me back and forth from Modification without approval and forbearance statements ... .and more. Thank you
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX we inadvertently sche duled 2 payments on our mortgage with Ocwen Loan Servicing. One was in the amount of {$1600.00} and the other in the amount of {$1600.00}. We placed a stop payment on the payment of {$1600.00}. On XXXX XXXX , we made our scheduled payment Ocwen in the amount of {$1600.00}. On XXXX XXXX we received notice that the payment was returned stop payment. However, after checking with our bank and receiving verification that the payment was not returned stop payment and we no longer had any stop payments on our account, we spoke with Ocwen and explained the situation. We were told that we would need to file a complaint to the Research Departm ent. On XXXX XXXX , we sent in our written complaint and our bank statements to show that no payments had been returned from our bank. On XXXX XXXX we received another call from Ocwen and s aid we needed to make the XXXX XXXX payment. When I inquired about the complaint to the researc h Dept, they sai d they had not received anything even though I had fax confirmation that it had been sent. At that time I made a payment over the phone with my checking account for an ACH payment. That payment was successfully processed and not " returned ''. On XXXX XXXX , my bank stop payment investigation department called and said they also completed a thorough investigation and still could not find any evidence of a payment being returned to Ocwen in late XXXX or early XXXX as Ocwen had stated. They said they would do a 3-w ay call with Ocwen to ex plain the findings in hopes that our loan would not be considered late and we would not be charged any fees or reported to the credit bureau as late. Ocwen wo uld not discuss anything with the bank ( XXXX XXXX with XXXX ). During that call, I again confirmed that they had received our complaint to the research department and they stated they had and were " investigating '' it. On XXXX XXXX we received a letter that informed us that their investigation found that they have no control over the payments entered through their voice system or online system. In the meantime, we made our next scheduled payment on XXXX to Ocwen thr ough their online payment system. We received notification that it was again sent back as stop payment ( which again there is no records of from our bank ). There obviously seems to be a problem with the online payment system as the payment I made over the phone on XXXX XXXX was successfully processed but the two most recent payments through the online system were not processed. We have now been reported at late on our credit report and want this removed as this is a faulty system error on the part of Ocwen and not us. Also, Ocwen will no longer accept our payments over the phone or online and can only be made via certified funds.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen stalled our modification in many, many ways over a span of 8 months leading to them building up ridiculous fees on their behalf. Stalling tactics included : lack of instructions for filling out their paperwork, lack of instruction by phone for their paperwork, when asked several times, the changing of case representatives to make it more of a hassle when you talk to someone, dragging their feet after paperwork is turned in ( months ) just to then be informed there 's an error. The list goes on!
Company Response:
State: LA
Zip: 71112
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Greetings : I initially started the HARP program ( proce ss ) with Ocwen in XXXX . I was told to not make a payment until XXXX . I was to have a trial period o f three mon ths and then I would continue with regular mortgage payments.I actually started making payments in XXXX and continued through XXXX . At the end of XXXX , I was sent a packet that I was to sign and have notarized and send back to Ocwen. This was to be my new payment for my mortgage. When I received the packet, the mortgage amount had gone up {$100.00}. At this point, I did not care. I just wanted to be back on track. I sent the signed and notarized packet back overnight with tracking. Confirmed it was received, but Ocwen s aid they never received it. I was told I had to start the process over and do another packet. I did, they came back and said I had to mak e four monthly p ayments almost twice my regular payment to catch up on my loan. I said I wanted to have the loan modified under the HARP program. They said to send a hand written letter stating I wanted a modification. I sent the letter in XXXX . I continued having phone calls with my Loan counselor an d was told they were working on it. In XXXX , they said they never received the letter and to send the letter with two consecutive pay stubs. I sent the letter along with the two pay stubs. Two more phone calls with my loan counselor a nd was repeatedly told they were working on it. I received a foreclosure letter dated XXXX XXXX . I ca lled Ocwen repeate dly and was told they were working on modifying the loan and would have everything ready for my scheduled phone call with my loa n counselor on Tuesday, XXXX XXXX . Three times I called the week before my scheduled XXXX XXXX phone call and was told " not to worry '' everything was being worked on and would be ready for my XXXX XXXX phone call with my loa n counselor. I c alled on Tuesday, XXXX XXXX to confirm everything was ready and was told no it was not. At this time, I learned they actually did receive the letter I sent in XXXX that they said they did not receive. XXXX XXXX . Talked to a supervisor, XXXX XXXX , agent ID XXXX , and was told they never look at expenses. All they look at is income to determine a payment. I asked him about health expenses and other living expenses, he said that it did not matter. XXXX XXXX . Talked again to my Relations hip Manger XXXX XXXX , and was told that they were working on it. The same thing I have been told since XXXX . XXXX XXXX : Called and left a message for XXXX XXXX , President of Ocwen Mor tgage. He called back and said they the same things everyone else had said ... '' these things take time ''. He could not even guarantee me a phone call by the end of the day even although he is President of Loan Services at Ocwen. As a result of my phone call to XXXX XXXX , I have now received a phone call from a customer advocate who is continuing with delaying. He said my stop foreclosure. I have requested this in writing which has yet to be received. I called the FHA on XXXX XXXX . Within three se ntences XXXX XXXX said " No, no, no. That is not the way the process works. This should not take longer than 30 days. " I greatly appreciate your help with this and want to keep my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No