Date Received: 2017-04-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Please be advised that I, XXXX, complainant in CFPB Case number : XXXX, one that your system indicates as not having been disputed by my person, have never received a written and/or verbal response as to the complaint from Ocwen. Further, as has been the case in other circumstances when I have written to them, I am not in receipt of an acknowledgement letter from Ocwen as to receipt the complaint with a timeline for a response submission. This is not surprising, as Ocwen, in unpredictable with respect to continuity and consistency in its operations, especially outsourced global operations. I request that your office request Ocwen send me a complete, unedited, response to my complaint XXXX, to my person at my home address so that I can review the same for validity and content integrity, thus allowing me to accept and/or refute. If necessary, I do not have an issue with filing another formal complaint on the same issue. Thank you in advance for your assistance. XXXX. Ocwen Loan Servicing , LLC said :
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2017-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XX/XX/2017 I submitted a complaint to your office pertaining to a problem we had with Ocwen our loan servicer. Ocwen responded that they were not at fault. and I could either bring the loan current or apply for a loan modification. I submitted a complaint to the Attorney Generals office on XX/XX/2017 about this same problem. I received the same response. I applied for the loan modification on by XX/XX/2017. I 'm still waiting to here back from Ocwen. While awaiting a response from Ocwen I recently received a notice of default letter from the XXXX company. I 'm confused can two companies on my loan I 'm concerned that Ocwen may have sold our loan to this new loan companywhile we were waiting for a response back from XXXX the complaint process. Is this process legal? Can Ocwen proceed and we are requesting that Ocwen provide the original loan documents to your office under the public disclosure act. I urge your office do review the loan amounts and fees that have increased. I 'm requesting urgent response to this matter as do to the notice of default letter I have a short period of time before a sale of our property may occur. As a Veteran who has served this country I find this type of lending practices to be deplorable!
Company Response:
State: WA
Zip: 98198
Submitted Via: Web
Date Sent: 2017-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: was charged for lender issued insurance when a policy was already in place
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2017-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been seeking assistance with a mortgage modification due to the 60 % increase in my payment about 6 months ago. I began this process XX/XX/XXXX once I received notice of my increased mortgage payment. Keep in mind the payment increase has nothing to do with the taxes or insurance because I pay those separately. Unfortunately, my single point of contact has changed 5 times over this 7 month period and I am afraid neither of them can claim XXXX as their primary language. I have scheduled appointments with them every 7-14 days however their requests for supporting documentation change each time. To provide an example, on XX/XX/XXXX, I spoke to XXXX who advised me my file is with underwriting and they just need my signature on XXXX pages. He offered to email the PDF document to me where I can sign digitally and then they can proceed with the review. I received the email the following day, performed the digital signature and submitted it the same day I received it. My next appointment was scheduled for XX/XX/XXXX. Suddenly on XX/XX/XXXX I was called by a different " '' single point of contact '' who advised me to provide the 2 most recent paystubs, a profit and loss report from XX/XX/XXXX through XX/XX/XXXX, section XXXX of the hardship application, section XXXX, section XXXX and section XXXX. I asked her why each contact creates a request for new documentation and she said these items have expired. I advised her everything was complete just two weeks ago and now it feels like I am starting over. This has been the case for the past 7 months and I am at a point where I can no longer play this game. I get the impression they have no desire to assist and just perpetually ask for new documentation until the old documentation has expired and then start over with requests for the expired documentation until the borrower finally gives up. I realize that I am the ignorant consumer who signed up for this exotic interest-only ARM near the peak of predatory lending in XX/XX/XXXX but I am not asking for Ocwen 's investor to take a loss through a short sale. Ever since the 60 % payment increase I have been able to keep my mortgage paid on time although I typically exhaust the full grace period. I am anticipating a $ XXXX tax bill to the IRS this year and really need to resolve my mortgage problem in order to afford a payment plan with the IRS.
Company Response:
State: OR
Zip: 97478
Submitted Via: Web
Date Sent: 2017-04-08
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-08
Issue: Settlement process and costs
Subissue:
Consumer Complaint: In XX/XX/XXXX I refinanced my home and paid off the primary and secondary mortgage with GMAC. When I went to apply for a line of credit at the beginning of XX/XX/XXXX the title report showed the second mortgage was not paid off. I have worked with the original title company XXXX XXXX, Ocwen, and sent the information to Office of the Consumer Ombudsman and still have not received a resolution. As you can see from the attached documents the loan was paid off and GMAC should have sent a " Satisfaction of Release '' like they did on the primary loan. I would truly appreciate any assistance you can provide.
Company Response:
State: MN
Zip: 55033
Submitted Via: Web
Date Sent: 2017-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage payment has increased by {$800.00}. I only was notified when I called. When I asked for the details, I was advised that part of my increase was due to XXXX insurance companies being paid for my homeowners insurance. XXXX XXXX and XXXX. XXXX was distributed XXXX when I never was uninsured or agreed to the insurance. I changed my insurance form XXXX ( because the premium has increased to {$20000.00} a year ) to XXXX XXXX. Someone from Ocwen called me because they had received the request from XXXX to pay the {$20000.00} at that time I reminded the OCwen agent that my new policy was with XXXX XXXX. Ocwen should have never issued XXXX XXXX XXXX a check and advised me that I was was responsible for reaching out to them. Also I was advised that my escrow was in a negative of {$10000.00} but no one could explain to me in detail how my mortgage payment increased to {$800.00}. I advised Ocwen Manager/Supervisor XXXX that I could not afford to pay the new mortgage payment and advised if there was anyway to spread my escrow deficiency from 12 months to 24 months. XXXX advised me that " If you can not afford the payment, then you can not afford the property ''. I advised that this could lead to a Foreclosure. He stated he could send me a refinance application. I do n't think that I should have to refinance my home due to an escrow issue that was created due to Ocwen errors. This is an unfair and deceptive practice that Ocwen is engaging in.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2017-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dear XXXX CFPB, I would like to complaint than Ocwen Loan Servicing , LLC . ( Ocwen ) appears to show that Ocwen may not be in compliance with certain provisions of the Home Mortgage Disclosure Act ( XXXX ) and its implementing regulation, Regulation C. The Home Mortgage Disclosure Act of XX/XX/1975, as amended, 12 U.S.C. XXXX, requires many financial institutions to collect data about their housing-related lending activity, including home purchase loans, home improvement loans, and refinancings that they originate or purchase, or for which they receive applications. Annually, a for-profit mortgage-lending institution other than a bank, savings association, or credit union, must collect, record, and report XXXX identified in XXXX and Regulation C to the appropriate Federal agency when : ( i ) in the preceding calendar year, it either : ( A ) originated home purchase loans, including refinancings of home purchase loans, that equaled at least XXXX percent of its loan-origination volume, measured in dollars ; or ( B ) originated home purchase loans, including refinancings of home purchase loans, that equaled at least {$25.00} XXXX ; and XXXX XXXX ) on the preceding XX/XX/XXXX it had a home or branch office in a Metropolitan Statistical Area ( MSA ) ; and ( iii ) it either : ( A ) on the preceding XX/XX/XXXX, had total assets of more than {$10.00} million, counting the assets of any parent corporation ; or ( B ) in the preceding calendar year, originated at least XXXX home purchase loans, including refinancings of home purchase loans. 12 C.F.R. 1003.2, 1003.4, 1003.5. A for-profit mortgage-lending institution other than a bank, XXXX XXXX, or credit union, is deemed to have a branch office in an MSA if, in the preceding calendar year, it received applications for, originated, or purchased five or more home purchase loans, home improvement loans, or refinancings related to property located in that MSA. 12 C.F.R. 1003.2. A violation of HMDA or Regulation C is subject to sanctions as provided in section 305 of HMDA, 12 U.S.C. 2804, and subtitle E of the Consumer Financial Protection XXXX of XX/XX/XXXX, XXXX U.S.C. 5561 et seq., including the imposition of civil money penalties, where applicable. Ocwen is in violation of XXXX filing requirements, we urge CFPB to review Ocwen practices to ensure that Ocwen comply with all relevant laws. Ocwen do not follow XXXX, Regulation C, and CFPB guidance, Ocwen continued to request us to submit all Loan Modification Application and always denied our loan Modification for any reasons Ocwen wants to. We get the denied Loan Modification for may times.We encourage CFPB to advise Ocwen to compliance with the laws.
Company Response:
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2017-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen Mortgage loan services, foreclosed on my home, 2 years ago. I hired XXXX attorneys, cost me {$32000.00} in fees. Was evicted by the police department, was given 2 days to get my things out, the undersheriff said we could have more time, but the cop that was pushing for the eviction was doing this on the side, using is badge and XXXX as intimidation. Had another company working to keep us from getting evicted, they said we were good, the court must of got the writ to stop eviction, because the police were not back to get the keys. That mortgage company told me to put my things back in the garage, it was done. The next morning XXXX dumpsters showed up, and the clean up crew. A friend of mine that was a XXXX was helping me with some stuff at my house, he approached the clean up crew telling them it was stopped and they called that cop, and he called my wife and cussed her, and threatened to arrest her and our friend and road raged her as they were down the street. And he is an officer of the law or is he above the law? Our friend that was a XXXX called the undersheriff and asked if we could get the rest of our stuff out, and the undersheriff said he would have the crew put it all in the garage. Well we came the next day, and the undersheriff lied, they stole our prescription drugs, TV, bikes, clothes, food and threw everything thing else in the dumpster.
Company Response:
State: MI
Zip: 49120
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Refinanced Ocwen mortgage in XX/XX/XXXX. To-date XX/XX/XXXX and it remains on my credit report. Spoke with Ocwen representative in XXXX and they show it paid. How can I get the debt removed from credit report?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had an automatic payment checking ( XXXX ) account that I closed months ago. I have used this account to pay ALL my bills including OCWEN. As it turns out, OCWEN is the only company I am having a problem with since I closed my checking account. OCWEN computer software is outdated. It keeps trying to collect my mortgage payments even though my checking account has been closed for months. They keep charging me late fees even though I am making payments from a different account ON TIME. In fact, I can not longer make payments through their system since my account has been " late '' so many times. Because of this, I am now mandated to make payments in certified funds ... which I also have to paid extra fees! I am a very busy professional with a challenging schedule and these events are really creating a large amount of pain and suffering. All of these due to their incompetence and inability to solve the problem even though I have called several times!
Company Response:
State: CA
Zip: 90631
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No