Date Received: 2017-04-20
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: OCWEN Loan Servicing, LLC states that they are in the business of helping homeowners as they claim on their website 'Helping Homeowners is what we do! '. Frankly, They are in the business of screwing homeowners like myself and denying me any opportunity for a loan modification. I request a loan modification from OCWEN, h owever, they have wrongfully denied my request every time, including the most recent denial letter dated XXXX XXXX , XXXX from OCWEN 'S Escalation Department. I submitted the Request for Mortgage assistance package ( RMA ) for evaluation under the HAMP Tier I and Tier II with all borrower and non-borrower 's income and expenses. OCWEN has failed to evaluate the applicatio n for mortgage assistance based on the reported income ( borrower and non-borrower ) and expenses.
Company Response:
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2017-04-20
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: Dear SIRS I have OCWEN LOAN SERVICING on my mortgage Last year when I finished Bankruptcy I contract CFPB as OCWEN charge me for an additional three months for back payments they never told me about only after the discharge I filed and the doucments said I was one month behind -- - at the end of 36 month I now was three payments behind- with the new CHARGES with OCWEN is this something you are looking at - XXXX XXXX XXXX XXXX CO XXXX XXXX
Company Response:
State: CO
Zip: 80206
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 servicing, payments, escrow account
Subissue:
Consumer Complaint: I sent a complaint to your agency over 3 years ago about the wrongful foreclosure of my father 's property in XXXX XXXX by Ocwen mortgage, failed to hear anything from your agency. This was our family home for over 50 years. My father was in my care as he had developed an illness that prevented him from caring for himself. He lost this home in a foreclosure that was unjust. Payments that were not credited, no information when the loan was sold to Ocwen. Please let me hear something in this matter. We provided you loan numbers and lenders, dates etc. in the original complaint. His name is XXXX XXXX XXXX , the property location was XXXX XXXX XXXX , XXXX XXXX XXXX . This was traumatic for my Dad and then not to hear anything on the complaint for over 3 years is very troubling.
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX filed complaint for foreclosure on property without including /mentioning previous existence of XXXX loan modifications.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Started the modification process XXXX . Checked the ocwen.com website daily for status. XXXX {$1800.00} in payments were made. Called XXXX customer service because it said the next payment is n't due until XXXX / XXXX / XXXX for {$2600.00}, even though we still had {$1400.00} due to pay the month of XXXX in full. The XXXX rep advised us that we were approved XXXX / XXXX / XXXX for the trial modification, that is why the system reflects a XXXX / XXXX / XXXX payment due and no other payments needed to be made until XXXX / XXXX / XXXX . All payments on this mortgage had been paid and we would of continued to pay the remainder of XXXX payment and XXXX payment as well if we had not been instructed to not do so.Now we are being reported late for XXXX , XXXX & XXXX . This does n't make any sense, nor is it what we were told. We are currently paying our XXXX payment now in XXXX , but the XXXX website reflects being due for XXXX and reported as being late for XXXX ! XXXX XXXX of XXXX in the modification paper work states if the account is past due at the time we enter into the trial period plan, then it will continue to be reported that way. WE WERE NOT LATE WHEN WE ENTERED INTO THIS AGREEMENT. THIS NEEDS TO BE FIXED. This company has been a complete nightmare and are killing our credit. They are also applying the weekly payments I made to the principal balance, and not counting it towards the currents months payment that is due and actually intended for. I make my payment thru my bill pay with XXXX XXXX XXXX . I thought that might be confusing them, so I attempted to sign up to make weekly payments thru their website. I could n't because my account has to be current in order to sign up. It is current!!!! I have paid {$1400.00} towards my payment so far that is n't even due until XXXX XXXX ! Help please
Company Response:
State: CA
Zip: 90603
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In thirteen years of good faith payments, OCWEN financial shows a primary balance on my mother 's mortgage loan ( a loan that I am beneficiary of ) that is only several thousand dollars less than the original loan amount. OCWEN also has never reported any of her payments to any credit reporting agency, which negatively impacts her credit score. For undisclosed reasons by the company, the escrow account attached to the mortgage loan is nearly {$3000.00} in deficit, despite monthly escrow payments included with billing statements. The escrow balance statement makes absolutely no sense, as the payments " received '' do not reflect the actual payments supposedly included in the monthly mortgage payment. On top of this, despite the monthly escrow payments, my mother is somehow behind on her property taxes. This loan was originally held by XXXX XXXX XXXX which went bankrupt in XXXX due to the subprime housing collapse. OCWEN is now not disclosing who actually owns the loan, since XXXX is defunct. Beyond the previously mentioned items, the loan maturity date of XXXX is outdated by the actual date the mortgage would be paid off ( XXXX ) by 1 5 years according to how the mortgage payments are now being distributed between principle, interest, and escrow. OCWEN has never disclosed any information to my mother, or myself, about options to refinance with a lower interest rate and have failed to disclose the missing escrow monies. It also appears th at OCWEN failed to actually put money into escrow for the first three years of the loan, even though it was intended in the contract - this is the only explanation for the unpaid property tax situation. OCWEN has also not disclosed who underwrote the home owner 's insurance, so there is no way to tell if escrow monies are actually being paid toward home owner 's insurance and property tax, or if there is simply no insurance on the house or mortgage loan at all. This subprime mortgage loan is probably one of the last in the country that is left from the housing crisis of XXXX , and was intentionally designed to fail from the beginning, however, to the companies dismay, the payments were kept current, and the hosue did n't fall into default and subsequently disclosure. Instead, the company decided to bilk my mother of thousands of dollars that are missing from the principal balance payments and escrow monies, leaving me to pick up the tab when she passes on. OCWEN also refuses to release information in a timely manner, stating a processing time of 4 bu siness days for loan payment history, and documentation regarding the ownership of the loan. This is time that could be spent doctoring documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 860XX
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This an addendum to previuos complaint again st Ocwen Servicing.Both previous Loan Modification are not included in the paperwork that has been mailed to you.I had a Loan Modification in XXXX with GMAC Mortgage with a fixed rate of 4 %, also Hamp Modification was approved by Ocwen Loan Servicing i n XXXX XXXX .My relationship manager at that time was XXXX XXXX who called me in XXXX , AZ whil e I w as on assignment there.As previously outlined the court trial on XXXX XXXX evolved around the issue of not having received the actual paperwork in XXXX , NV un til mid XXXX XXXX .The file mailed to me by your agency contained the shipping label and a piece of paper with my fprwarding address.The argument being served via Publication therefore is unfounded.According to a law firm in XXXX XXXX XXXX , Florida the letters I mailed to Ocwen Loan Servicing requesting information meeting criteria for QWR under the truth in lending and therefore should have been ans wered.There is no mentioning of any Loan Modification on the original complaint to the court.Both parties, Ocwen Loan Servicing a nd XXXX XXXX XXXX XXXX XXXX are one entity and not two XXXX XXXX , Attorney for XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX , Loan Analyst for Ocwen Loan Servicing should be held accountable for an explaination.Furthermore, XXXX XXXX XXXX Dollars were deducted out of my bank account by Ocwen Loan Servicing WITHOUT my authorization.Under RESPA , QWR, Truth in Lending, Regulation Z I hereby request following items : COMPLETE copy of BOTH Loan Modification including cover letter.Under the information request QWR, name and address of unassigned lender or private investor and explaination for unauthorized withdrawal from XXXX XXXX .Thank you for your attention in this matter.Respectfully, XXXX XXXX .
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had water damage to my home. My insurance company wrote a two pa rty check made out to the lender and myself. The lender deposited the funds into their account and wo n't release them to me. After months of meeting their demands for proof the damage was completely repaired and the contractors paid in full, the lender still has my money and is not releasing the funds. The loan is current and paid as agreed.
Company Response:
State: IL
Zip: 60102
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a mortgage loan with Ocwen who took over from my previous lender. I have been paying my mortgage on regular basis. Now they are claiming they I owe them XXXX . I asked them to let me know what months of the past they did not receive the mortgage payment. Instead they send me confusing statement in which they apply my most recent payment to months in the past going back one to two years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have filed at lea st two previous complaints with the CFPB on this file. The summary of these complaints are that we have been working on this short sale since XXXX of XXXX . My company sent a SS package on XXXX / XXXX / XXXX complete with an offer and HU D ( attached to this complaint ). Since this time, Ocwen has been dragging their feet on processing and reviewing the documents. The file was still in active loan modification on XXXX / XXXX / XXXX , even though we have requested multiple times for the property to be reviewed as a short sale. Every time Ocwen has requested documents, we have returned them as soon as we received them from the seller. Weeks later, a random representative at Ocwen reviews the file, asks for something else, which then sets the process back a few more weeks. There have been several postponed foreclosure ( FC L ) sale dates since we began this process. All of the above was difficult to deal with on its own, but Ocwen has just made the situation even worse. On XXXX / XXXX / XXXX , my company noticed there was another FCL sale date scheduled for XXXX / XXXX / XXXX . We immediately requested a postponement from Ocwen. The representative my assistant ( XXXX XXXX ) spoke with on XXXX / XXXX / XXXX claimed that the FCL was placed on hold as of XXXX / XXXX / XXXX , despite our records and a follow up call to XXXX XXXX XXXX ( the foreclosing law firm ) confirmed that the FCL sale was still active for XXXX / XXXX / XXXX . I contacted the Ombudsman to get their assistance in moving the loan mod along and the file into the short sale dept. They were unable to help with this. On XXXX / XXXX / XXXX , the representative said that the loan mod package was finally deemed complete as of XXXX / XXXX / XXXX and that it would take 30 days for a review. My assistant, XXXX XXXX , called in on XXXX / XXXX / XXXX to get an update on the loan mod and was transferred to XXXX ( ID XXXX ) who immediately said the property was scheduled for FCL that very day, despite seeing a postponement noted on his end. XXXX and XXXX added XXXX XXXX XXXX on the phone to verify that the FCL postponement was received by the law firm. The Ocwen rep XXXX agreed and stated the new FCL date was XXXX / XXXX / XXXX . He also stated that now there was a new and undisclosed document request still needed for the loan mod, but that he was unable to see which specific docs were being requested and that he would return a call the next day with that information. XXXX called on XXXX / XXXX / XXXX and said that they were unable to stop the FCL sale on XXXX / XXXX / XXXX . He said that the home went back to Ocwen and is no longer in their loss mitigation system. He is attempting to get it out of the real estate owned system and back into loan mod. He also said that we are unable to get any information on what Ocwen deemed to be missing from their current loan mod review. This is a FHA-insured file. Ocwen has once again DEFRAUDED THE FEDERAL GOVERNMENT. In addition, this error by Ocwen has cost us more time on a file that has already taken far too long. Ocwen is ruthless, careless, and senseless when it comes to helping homeowners do the right thing by seeking a short sale.
Company Response:
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No