Date Received: 2017-03-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I purchased a house in XX/XX/XXXX, and refinanced with GMAC XXXX in XX/XX/XXXX. In XX/XX/XXXX the account was in default and I filed a ch. XXXX BK in XX/XX/XXXX to stay the foreclosure. In XX/XX/XXXX, I modified my Ch. XXXX and surrendered the property. In XX/XX/XXXX my BK discharged an I was relieved of any and all debt on the property. GMAC themselves went into BK and reemerged as Ocwen Financial. No foreclosure took place on the property, and in XX/XX/XXXX I was sued by Ocwen in Oregon in a Judicial Foreclosure process to collect a debt that I do n't owe. As a result of the lawsuit, a judgement was obtained, and Ocwen foreclosed on the property to collect from me on the judgement. Furthermore, that foreclosure process and judgement are now a public record and are preventing me from both FHA, and XXXX financing on a new home despite exceeding the 4 year post-discharge waiting period. The act of Ocwen to delay a deed of trust forclosure process while within the confines of my ch. XXXX BK, and the filing of a lawsuit to collect, on a debt that had been discharged, is preventing me from being able to purchase home. Ocwen has shown disregard for the protections offered by the bankruptcy process and has caused me both financial and emotional harm.
Company Response:
State: ID
Zip: 83704
Submitted Via: Web
Date Sent: 2017-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen continued to report on my credit after they were paid and after the foreclosure. Everything was complete on title and all the documentation shows 2015 and they continued to report after that.
Company Response:
State: TX
Zip: 76135
Submitted Via: Web
Date Sent: 2017-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: FOLLOWING THE GREAT HOUSING COLLAPSE AND BANK FAILURES, MY WIFE AND MY VA MORTGAGE SINCE XX/XX/XXXX AND ALWAYS IN GOOD STANDING FOUND THAT OVER A 4 TO 5 YEAR PERIOD AFTER COMPLETING A RE-FI JUST PRIOR TO THE BURST ; XXXX SOLD IT TO ONE OF THE XXXX AND CHANGED HANDS OFTEN FINALLY ENDING UP WITH XXXX.WHEN INTEREST RATES WENT TO NEAR ZERO AND ALTHOUGH MY WIFE AND I HAD CREDIT SCORES OF XXXX AND A RATE AT 6.4 % + I SAW AN ADD DIRECTED TOWARDS VETS WITH THE POSSIBILITY OF A RATE NEAR 4 % AND STATING THAT THE NEW DEAL COULD ALLOW 100 % OF THE HOMES VALUE TO BE USED AS OPPOSED TO THE 80 % CEILING FOR NON-VETS. THE COMPANY WE CONTACTED INFORMED US OF THE FACT OUR CREDIT RATING WAS GOOD AT XXXX FOR BOTH ME AND MY SPOUSE THEY STATED THE CREDIT REPORT STATED WE HAD FILED BANKRUPTCY CHAPTER XXXX WHICH INCLUDED THE HOME AND THAT THE SAID REPORT HAD NOT SHOWN ANY PAYMENTS BEING MADE ON THE MORTGAGE FOR WELL OVER ONE YEAR AND TOLD US THAT XXXX WHOM HAD BEEN RECEIVING OUR HOUSE PAYMENTS IN FACT HAD SOLD THE MORTGAGE TO OCWEN FINANCIAL SERVICES! I CALLED XXXX THEY CONFIRMED THE SALE AND SAID THEY WERE JUST IN THE PROCESS OF NOTIFICATION BUT NOT TO WORRY THIS WAS A SEAMLESS TRANSACTION NO WAY OF EFFECTING OUR CREDIT SCORE OR REPORTS.I WAS GIVEN THE WEB SITE FOR OCWEN IN WHICH THE SITE SAYS " HELPING HOMEOWNERS IS WHAT WE DO '' AND THEY PROVIDE A NUMBER FOR DIRECT CUSTOMER SERVICE.WHEN YOU CALL THE AUTO-ANSWER SAYS, '' THANK YOU FOR CALLING OCWEN, OCWEN IS NOT A MORTGAGE LENDER, OCWEN IS A DEBT COLLECTING COMPANY AND ALL XX/XX/XXXX INTEREST STATEMENTS HAVE BEEN SENT.I CHECK VIA XXXX OUR SCORES EVERY 6 MONTHS.EVER SINCE OCWEN HAS HAD OUR ACCOUNT NOW ON OUR XXXX TO XXXX SCORES THERE IS A STAR THAT STATES CLEARLY XX/XX/XXXX CHAP.XXXX BANKRUPTCY DISCHARGED SOME MONTH IN XX/XX/XXXX! THIS COMPANY WAS FINED {>= $1,000,000} BY SOME FEDERAL AGENCY FOR SOME FORM OF ILLEGAL LENDING AND WE DID GET VIA OBAMA 'S AID A HOME MODIFICATION WHICH DID LOWER THE INTEREST TO 4.3 AND THEY SENT A DISCHARGE OF DEBT OF PRINCIPLE OF {$17000.00} YET WE 'RE TOLD THAT WE NEED TO PAY A ADDITIONAL {$95.00} PER MONTH TO AVOID A BALLOON PAYMENT THAT FALLS IN 15 YRS. WE CAN EASILY AFFORD THE EXTRA {$95.00} PER/BUT I DO N'T REALLY UNDERSTAND WHAT IF ANY DEBT WAS DISCHARGED. I WAS CONTACTED BY A LOCAL LOAN OFFICER LOOKING INTO BUYING OUR MORTGAGE FROM OCWEN TO GET IT BACK WITH A REAL BANK AND SHE TOLD ME OCWEN IS NOT NOTATING THAT THEY ARE RECEIVING OUR HOUSE PAYMENT! THE LOCAL BANKER GAVE ME YOUR FOLKS NUMBER AND A LIST OF THINGS THAT OCWEN HAS BEEN TAGGING OUR REPORT WITH! SHE DESCRIBED IT AS BLATANT NIT-PICKING THAT MOST CREDITORS WOULD CONSIDER INSIGNIFICANT AT MOST.i HAVE HAD SEVERAL HEATED TALKS WITH OCWEN WITH REGARDS TO WHY THEY CONTINUE TO POST A CHAPTER XXXX BR IN WHICH THE HOME WAS NOT INCLUDED AND WAS DISCHARGED LESS THAN 4 YEARS LATER AND WHY HAD N'T IT BEEN ON THERE IN XX/XX/XXXX LET ALONG XX/XX/XXXX! AND WHY ARE YOU NOT REPORTING THAT WE ARE MAKING MORTGAGE PAYMENTS! THE ANSWER IS ALWAYS THE SAME WE 'LL GET BACK TO YOU.ON XX/XX/XXXX I DID IN FACT RECEIVE FROM OCWEN A LETTER THAT BASICALLY THEY WOULD NO LONGER BE FLAGGING OUR XX/XX/XXXX DISCHARGED BANKRUPTCY. THE LETTER WAS SHEER LEGAL-LEES AND ALTHOUGH FAR FROM STUPID, IT WAS, AND IS HARD TO TRULY DIGEST. EVER SINCE WE BEEN STUCK WITH OCWEN OUR CREDIT SCORE HAS DROPPED EVEN THOUGH I 'VE ELIMINATED ALMOST ALL DEBT AND OUR INCOME HAS GROWN WE 'RE NOT SEEING ANY IMPROVEMENT AND THIS DESPITE THE FACT WE TOOK SOME ADVISE AND STARTED TO GET A VISA CARD OR TWO TO ESTABLISH SOME REVOLVING CREDIT AS WE WE 'RE TOLD WHEN OUR SCORE WAS AT XXXX THAT BASED ON OUR NUMBERS WE WOULD HAVE A XXXX SCORE! MY WIFE AND I 'S AVG. SCORE IS NOW XXXX TO XXXX RESPECTFULLY. SINCE I HAVE BEEN TRING TO FIND A MORTGAGE LENDER TO GET AWAY FROM OCWEN THESE SAME BANK LOAN OFFICERS ARE TELLING ME AND MY WIFE THAT OCWEN IS WITHOUT QUESTION REPORTING AND FAILING TO REPORT IN A ATTEMPT TO UNDERMIND OUR CREDIT REPORT
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2017-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Please refer to CFPB XXXX for a history of the case which I thought was resolved when my mortgage provider, OCWEN sent me documented correspondence acknowledging approval of my request for a loan modification on XX/XX/2017. Now OCWEN is reneging on their approval of my loan modification in which they accepted and received trial payment funds in the amount of XXXX on XX/XX/2017. On page XXXX of the new loan modification agreement it clearly states the funds received on XX/XX/2017 were applied to the account for the XX/XX/2017 payment and the next payment is not due until XX/XX/2017 OCWEN is now saying I owe them a payment of XXXX for XX/XX/2017 when clearly the document I am attaching refutes this. They never contacted me nor provided written documentation to support their claim therefore I am not liable for any payment in XX/XX/2017
Company Response:
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been paying my payments on time and reporting that I was late a few time when I was n't really date only for 2 days. How am 30 days late. Please have them remove the late payment which is affecting my credit score and personal life. .
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2017-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was XXXX in the Military which caused late payments to be reported on my payment history. When I was XXXX the only payments they would accept were payments made by certified check or cashiers check and they had to me mailed to the company. I mailed the certified checks on time to them but by the time they were done processing the payments they reported them late. They were not 30 days late that they are indicating on my credit report. They were only a day late at most but the checks were mailed in plenty of time from my XXXX location and the envelopes were postmarked well ahead of time before the due date.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen keeps paying my property taxes and then raise my mortgage payments, my city taxes were due by XX/XX/2017 then there is a late fee throughout the year added well Ocwen decided to pay them by the end of XX/XX/XXXX and raise my mortgage to XXXX now
Company Response:
State: PA
Zip: 17104
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-28
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Loan # XXXX with XXXX .this was a second mortgage for XXXX.it was paid in full on XX/XX/XXXX.that was acknowledged by ocean on XX/XX/XXXX via email. A satisfaction ( reconveyance, release/discharge ) was filed ) letter was generated by XXXX dated XX/XX/XXXX sent to me by USPS instrument # XXXX onXX/XX/XXXX I called XXXX and spoke with XXXX agent # XXXX inquiring about the satisfaction letter that was sent to the court that I had not received and Georgia status states that it must be mailed within sixty days of full payment or I had the right to demand payment of {$500.00} which I did and was told it was mailed on time and they had no controll over the mail. I again stated that I had not received it, and it was important enough to send registered if it was a eviction letter it would have been registered. I was then transferred to XXXX agent # XXXX.I went over the entire conversion with him and demanded {$500.00} for the delay was told to contact the research dept via fax. On the same XX/XX/XXXX I received a copy of the satisfaction letter via email. They are required to send it within sixty days, they are 7months late I still have n't received a hard copy. I want my {$500.00}.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We live in a FEMA declared federal disaster area in Louisiana ( Flood ). Was told by Ocwen, the company that holds our mortgage, that we could enter into a loan modification program set up for everyone effected by this disaster to help them get back on their feet. The plan was we did not have to pay our monthly mortgage for 6 months, and that the amount would be added to the end of our loan. We asked if this would affect our credit in anyway, and were told no it would not, so we agreed to the plan. Fast forward ... went to buy a new car and found out Ocwen reported each month as late/not paid! Contacted them via phone and was told they did not report anything negative on our credit, even as we looked at the credit report printed by the car dealership and read it to them to prove otherwise. Furthermore, today we went to our bank XXXX to see if they could help us by taking over this load and we deal with them, they said yes, until they pulled the credit and found out Ocwen 's reporting took our good credit of XXXX and dropped it to XXXX!!!! So, this company that was willing to help their customers in the flood disaster, then turns around and screws us! We have spoken with them several times over the past two weeks, each person has something different to say/lie about, and none of them are on the same page with information. Also, they lied about adding the payments to the end of the loan, and now expect us to pay a double note each month for the next 6 months of {$2000.00}!!!!! AND will continue to report to the credit bureaus each month as delinquent!!
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage company is Ocwen Loan Servicing LLC . I originally took a mortgage for a 10 year interest only and this loan was to turn into a 30 year fully amortizing loan on XX/XX/2015. Ocwen never adjusted the loan to a fully amortizing and 6 months later sent a mortgage coupon to me with additional fees and penalties after I had already sent my interest only payment. I requested that they research this and they did. They sent a letter apologizing for their error and stated that there would be no late fees or negative credit reporting. One year late after making XXXX consecutive, on time mortgage payment I receive another payment coupon from Ocwen stating that I now owe {$6700.00} as Fees/Other Charges. This is not how consumers should be treated. There is something seriously wrong with Ocwen and I am hoping you can help. Please elp, I am desperate at this point.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2017-03-27
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No