Date Received: 2017-04-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: IN XX/XX/XXXX MY EX BOYFRIEND " FORCED '' ( I WILL SUPPLY YOU WITH XXXX REPORTS IF NEEDED ) ME TO ALLOW HIM TO PLACE A MORTGAGE ON MY HOME THAT I ALONE PURCHASED, WITH THE PROMISE OF MAKING THE MORTGAGE PAYMENTS. HE DID NO SUCH A THING. IN XX/XX/XXXX I TOOK HIM TO COURT AND HAD COME TO A BASIC AGREEMENT ( XX/XX/XXXX ), THE LAWYERS MET AND WE WERE TO HAVE A COURT DATE SCHEDULED. XXXX LEAVING ME WITH A MORTGAGE THAT WAS MORE THAN MY MONTHLY SOCIAL SECURITY XXXX INCOME. MY HUSBAND AND I HAVE WORKED WITH MANY ENTITIES INCLUDING TOWN SUPERVISORS, NY SENATE AND CONGRESS TO TRY AND GET POINTED IN THE RIGHT DIRECTION TO RIGHT THIS WRONG. I WILL INCLUDE THE DOCUMENTATION SUPPORTING MY CLAIMS OF THE LOAN BEING FRAUDULENT IN NATURE. I HAVE HAD TO CLAIM BANKRUPTCY WHICH I GAVE THE HOUSE BACK TO THE BANK. I CAN SHOW WHERE THE BANK ALLOWED ME TO RETURN TO MY HOME ( *SEE EX ; XXXX ) KNOWING THAT I FILED BANKRUPTCY. I HAVE HAD MY CREDIT RUINED, THE XXXX HAS LANDED ME IN THE HOSPITAL ON MANY OCCASIONS. WE FEEL WE HAVE MORE THAN ENOUGH PROOF INCLUDING A DECISION FROM OUR COUNTY XXXX COURTS WHO ON XX/XX/XXXX ( ORDERED THAT THE PLAINTIFF 'S ( BANK ) MOTION IS DENIED IN IT 'S ENTIRETY ; AND IT IS FURTHER ORDERED THAT THE COMPLAINT DISMISSED AS ABANDONED ) * SEE EX ; XXXX THAT IS INCLUDED. I JUST FEEL THAT I NO LONGER HAVE A MORTGAGE *SEE EX ; XXXX. AS I FEEL AT WORST THIS SHOULD BE ATTACHED TO MY EX 'S ESTATE. NOW THE BANK HAS DECIDED TO TAKE US BACK TO COURT TO TRY AND REOPEN THE CASE *SEE EX XXXX. WE FEEL THIS COURT DATE SHOULD BE STOPPED WITH OUR UNDERSTANDING THAT WITH NO MORTGAGE THEY JUST WANT THE HOUSE, WHICH WILL LEAVE MYSELF WHO IS XXXX AND MY HUSBAND A XXXX VET HOMELESS POSSIBLY AS SOON AS 90 DAYS AFTER THE COURTS DECISION. WITH THIS WE HOPE YOU CAN SEE OUR INFORMATION IS TRUE AND VALID AND HOPEFULLY WILL SEE THE FRUSTRATION ON OUR PART. WE ALSO FEEL WE HAVE SUPPLIED DOCUMENTATION TO TO HELP IN OUR CAUSE.
Company Response:
State: NY
Zip: 129XX
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: To whom it may concern ; I write to you to explain a situation that I find myself in. Back in XX/XX/XXXX I was about to refinance my home loan. I bought my in XX/XX/XXXX, and not knowing what was going on they gave me a 1st, and 2nd mortgage, I payed my bills on time as I am supposed to, but since XX/XX/XXXX my second mortgage has been resold 3 times. Back In XX/XX/XXXX as I was getting ready to refinance my I was diagnosed with XXXX. And was out of work from XX/XX/XXXX to XX/XX/XXXX. I used up all of my savings to keep paying my bills, but I got behind from XX/XX/XXXX till XX/XX/XXXX as of now. I talked Ocwen about a refiner but they only offered me a modification loan. now I have payed my loan down to only XXXX and Ocwen sent me a modification statement where I was going to have to repay XXXX and have a ballon payment at the end of the loan of XXXX I told them that was insane I would basically be starting over on a loan that I have been paying on for 11 years. They told me I had to pay {$630.00} dollars by XX/XX/XXXX so I did that and I never heard back from them till I called them in XXXX XXXX, they agreed that no one had gotten back with to find out where I was with my loan. Then at XX/XX/XXXX I get a letter from XXXX that they have sold my 2nd mortgage to another company, that loan was down to XXXX dollars, now this new company is telling me that I have to pay XXXX dollars now for this new loan. It 's like every time I pay the finance charges on this 2nd mortgage it gets sold and I have to start over again with a new company. At this rate I would never pay this loan off, it just seems so unfair and no one else will refinance because I 'm behind, and Ocwen is telling me that they will not except any monthly payments until I pay the full XXXX to get the loan caught up. I do n't know what to do????? Where to turn, I feel like I 'm trapped in these loans with no hope of ever paying them off. Is there any help for me other than just walking away from these loans. I want to keep my house I have put a new roof on the house and in the process of replacing the old windows with new vinyl windows. And a lot of work on the out side that was covered up with putty and thick paint to hide all of the trouble spots when I bought this house and 11 years later they showing up big time. Any advice? What is my next move. My address is XXXX XXXX XXXX in XXXX , South Carolina . XXXX, my phone # is XXXX, and my email is XXXXXXXXXXXX please give some advice. Also I have been back to work since XX/XX/XXXX.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was foreclosed on by XXXX on XXXX 2017 and I did not receive any notice. I only received an eviction notice for XXXX/2017.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2017-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing is charging me an additional {$2000.00} in " fees ''. When I have asked for documentation of these fees, they sent me an email with fees dated from XX/XX/XXXX to XX/XX/XXXX. I was not with Ocwen - I was with Litton Loan Servicing at the time. Ocwen took over all the mortgage in late XX/XX/XXXX/early XX/XX/XXXX. I have NEVER been notified about these fees ever until I had another dispute that has been settled with Ocwen. Many times since I have been with Ocwen, I have had a XXXX balance and no mention of fees from the prior company. It is only NOW, SIX YEARS LATER that they start talking about fees. This is a scam!!!!! Ocwen needs to be shut down!
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen will not except my payments and they continue to add interest. I also lost my insurance which I had for XXXX years because of their faulty actions. I am also receiving misleading information. This is causing my home to be foreclosed.
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2017-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Mortgage sent a check for {$32000.00} to XXXX County Tax Collector and informed us that we would have to pay it back to Ocwen. In fact, the amount due was only {$5900.00}. Clearly Ocwen did not contact our Tax Collector. Ocwen also ingnored our previous correspondence with them 3 years ago when they tried to do the same thing and we sent them a copy of our Installment Payment Plan with our Tax Collector.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The loan servicer, OCWEN, put homeowners insurance on my mortgage even though I already had a full and sufficient policy on my property. They also included fees for appraisal, inspection and attorney fees. I filed a complaint, XXXX. OCWEN only removed the cost of insurance. I have called to no avail!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On Tuesday, XXXX, 2014 XXXX, Complaints Office XXXX & lt ; XXXX XXXX ; wrote : Dear Ms. XXXX : In your correspondence below, you asserted that Indymac and Ocwen failed to grant you an affordable loan modification. You feel the lenders discriminated based on your age and XXXX. The Consumer Financial Protection Bureau ( CFPB ) is the federal agency which accepts complaints about consumer financial products and services. The CFPB accepts complaints regarding problems with the mortgage process : applying for a loan, receiving a credit offer, signing the agreement ( including the settlement process and costs ), making payments, and problems when you are unable to pay for your loan ( loan modification, collection, and foreclosure ). You can reach the CFPB at the following address : Consumer Financial Protection Bureau XXXX, Iowa XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Online complaints : http : //www.consumerfinance.gov/complaint/ http : //www.consumerfinance.gov/ We also recommend that you contact a HUD-approved housing counselor for assistance with your loan modification. This is a free or low-cost service. A recently released U.S. Department of Housing and Urban Development study said that with a counselor 's help, nearly 70 percent of those who sought housing counseling obtained a mortgage remedy to retain their home and 56 percent cured their defaults and became current on their mortgages. You can find a HUD-approved housing counseling agency in your area at the following link : XXXX XXXX We acknowledge your assertion that the lenders discriminated based on age and XXXX. Please be advised that housing decisions based upon age are subject to federal fair housing laws only if the respondent you are complaining about is a recipient of federal funding. The respondents you identified in your correspondence are not federally funded. Although you identified yourself as a person with XXXX, you did not describe any connection between your XXXX status and the lenders ' actions. The sole fact that you have XXXX is not sufficient to bring this matter within the scope of the Fair Housing Act. We do not have jurisdiction over the issues you have described. Please contact the offices listed above for assistance. We can take no further action regarding your correspondence. From : XXXX [ mailto : XXXX ] Sent : Monday, XXXX, 2014 XXXX To : Complaints Office XXXX Subject : HUD Fair Housing Complaint - XXXX Personal Information : First Name : XXXX Last Name : XXXX E-Mail : XXXX Address : XXXX XXXX : XXXX State : GA Zip : XXXX Day Time Phone : XXXX Evening Phone : XXXX Best Time To Call : XXXX Who do you believe discriminated against you? : First Name : XXXX??? Last Name : Ocwen Organization : Indymac/Ocwen Address : florida Where did the alleged act of discrimination occur? : Address : XXXX City : XXXX State : GA Zip : XXXX First Contact Information : 1. First Name : XXXX Last Name : XXXX Organization : Day Time Phone : XXXX Evening Phone : Best Time To Call : XXXX Second Contact Information : 2. First Name : Last Name : Organization : Day Time Phone : Evening Phone : Best Time To Call : Day What happened? : This concerns two mortgage companies the first Indymac, I had advised I had recently been diagnosed with an XXXX and had lost out on work. The mortgage got behind and I had sent in paperwork showing my income had declined and so had the co-borrower XXXX. Indymac stated that even though I had submitted the paperwork that did not mean that our home was safe from foreclosuer. This stressed me out so much but I did n't know what to do. XXXX than went to his emp
Company Response:
State: GA
Zip: 30655
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been trying to cancell my PMI insurance With Ocwen and they keep stalling me and making up excuses. Have sent an appraisal, my payment history is excellent, my home is worth more and I have done many improvements. They will not contact me or give me any CLEAR answers.
Company Response:
State: IL
Zip: 613XX
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-09
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Ocwen canceled my mortgage debt in the amount of {$490000.00} They sent me copy of the XXXX which I placed on my tax return and caused me to owe taxes. I applied for a modification with Ocwen in XX/XX/2016 at the begginning of my foreclosure case. I informed Ocwen since they canceled part of my mortgage for {$490000.00} that the modification should only be on the amount of {$350.00} and not on the original amount of my debt. Ocwen refuses to acknowledge or deny the cancellation of debt. Ocwen obtained the benefit of the tax write off when they send the Internal Revenue Service a XXXX and caused a taxable event to be attributed to my personal taxes. It is unfair that they are able to obtain a tax credit and still try to get me to pay the full amount of the original debt which they partially wrote off.
Company Response:
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2017-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No