Date Received: 2017-03-24
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: To whom it may concern, I am responding to the findings from my request to dispute my credit report and wish to address the OWEN LOAN SERVICES and HOMEWARD RESIDENTIAL. In the enclosed documents you will find in my Divorce agreement ( Encl. 1 ) file in XXXX, XXXX County, Florida Case # XXXX Division No. XXXX signed and agreed on the XX/XX/XXXX page XXXX & XXXX Real Estate located XXXX XXXX Florida was signed over Quit Claim Deed XX/XX/XXXX. ( Encl. 2 ) which states she is responsible for all taxes mortgage and interest thereafter. I turned over the loan in good standing. I question the existing mortgage that I have no idea maybe she refinance and without my consent use my name. I am unable to question the mortgage company because they state I have no authorization. Then why is it affecting my credit? I wish no harm or charges against her just wish this be removed from my report and all future actions be blocked for my protection. I work for the federal government that requires clearance and previous law enforcement which required integrity in the personal issues. Please review the enclosed documents and advise further action required. Thanks, your attention to this matter is greatly appreciated.
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2017-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-23
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Hello! I am trying to get a release of liability on my Shared Appreciation Modification with Ocwen. Need to get my ex husband of XXXX years off the loan. I have paid the loan on time for 4 years just me. I was denied - the reason is WHY is why I am contacting you. I was denied due to a foreclosure. I have paper work from the courts of where Loan company put a foreclosure on my record in XXXX and removing it in XXXX when I signed the SAM. They said I had to wait 7 years before the release of liability. How can I have a foreclosure on the house I am living in. Also now I have researched and saw a lot of bad things about the SAM. I am trying to refinance and now I am seeing lots of issues with the agreement I signed. YIKES. Presently I am asking help on the foreclosure business .... So was there a foreclosure and can they really deny me for that reason? I show it was dismissed without prejudges.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2017-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I feel that Ocwen prepared, executed, notarized, presented and filed false and misleading documents with the courts, government, and myself to aid in the unnecessary foreclosure of this house. They provided false and misleading information to me about the status of my authorization to go forward and actively pursue loss mitigation alternatives that they offer. They did not follow the state procedural requirements for bringing a foreclosure, proven thru documents I am submitting, and the dates therein. I ask the state to perform a judicial review if necessary, and look at my few documents and letters, showing evidence of error, and false/misleading information. I was in good faith actively pursuing a loss mitigation alternative by loan assumption, including all back payments and taxes, as the lenders attorney stated in his letter postponing the sale. Ocwen has been charged with engaging in unfair and deceptive acts or practices in violation of the federal Consumer Financial Protection Act and state laws covering 48 states in the past. Their unlawful conduct resulted in injury to consumers like me and my family. The settlement required Ocwen to comply with the standards for servicing loans found in the XXXX National Mortgage Settlement between the state attorneys general and federal government and the five largest mortgage banks as well as new standards. The CFPB and state attorneys general can enforce compliance of violations of Ocwen 's servicing practices. Ocwen agreed to major reforms in how it services mortgage loans that require them to adhere to a long list of obligations with respect to borrowers facing foreclosure. Providing borrowers documents, and giving every available opportunity to first modify their loan before foreclosure action, and provide each borrower a reliable single point of contact so they have access to a person to obtain information from. This contact was enhanced to ensure consumers can pursue loss mitigation through other means, such as home-ownership events, public workshops and non-profit housing counselors. These are all things I have been trying to do alone, having no knowledge of home buying, mortgages, and escrows. These rules went into effect XX/XX/XXXX by the CFPB. Ocwen seems to be more a foreclosure company, not a loan servicer. There was not a bit of respect or aid given to me and my family, and again, all we want to do is pay the loan, taxes, have decent insurance. They began actively selling this house on several different sites, who I dug into and are all seemingly affiliated with each other/Ocwen. Even the nice people trying to get us to move out, offering a 'possible ' payment if we move quickly, is in the end an arm of Ocwen XXXX Most job opportunities on the sites are for another country, XXXX I believe, and why is it ok for a foreign based company to take the role of " helping homeowners is what we do '', and turn it into a money making foreclosure business for themselves, putting struggling American citizens out of their homes?? None of us in this house have enough money to 'just move '. My truck is sitting in the drive needing 400.00 in repairs, it wont budge. Every month we are paying our bills, we cant just hoard our money. Please, help us in this matter.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2017-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have recently received a response letter from Ocwen Loan servicing in regards to a CFPB report that was filed 60 days ago. I was very much to the point in the CFPB report that I wanted a response back through the CFPB as to my claims. This is not has conspired the company has permission to correspond back and forth with me and does so but when asked to place the facts in writing and with a agency that knows what the rules are and can see what the company has done its much easier to just mail it to your law firm where it might not get notice and just filed away not this time. Please reply to my redline statements of included in the letter sent to my law firmed. Please reply back through the CFPB with in the allotted time frame.
Company Response:
State: OH
Zip: 45042
Submitted Via: Web
Date Sent: 2017-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My office represented the borrower in a foreclosure case in XXXX XXXX Court. The borrower changed attorneys and we no longer represent her. However, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2017-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: began a home building process in XXXX XXXX, deposited {$18000.00} with XXXX, home was built, closing occurred XXXX XXXX and {$18000.00} deposit was added back to amount. False appraisal of home was $ XXXX for a $ XXXX note. Closed then and moved in, one year later GMAC became servicer and jacked up {$1800.00} monthly payments to {$2700.00} based on false appraisal.XX/XX/XXXX, AHM went bankrupt, XXXX rejected {$80.00} XXXX in XXXX XXXX trusts, XXXX XXXX XXXX XXXX [ XXXX XXXX of XXXX ] bought those XXXX garbage trusts made by XXXX and serviced by GMAC for a mere 1 % .This is called RE-VENUE not a real purchase, he got only rights not full equity claim. I Filed TILA claim in XXXX XXXX against XXXX and GMAC, one month later XXXX XXXX as " trustee '' of voided bankrupt trust, filed a foreclosure suit without standing as trust was voided.Still in my home and I have filed several complaints to you, and agency created from my complaints. See case # XXXX filed XXXX XXXX in Fl. XXXX. can be seen on pacer.gov So now, XXXX XXXX was behind trying to foreclose on me all along, and OCWEN is and has been committing fraud, by not revealing the true party in interest.OCWEN claims to be " servicing '' a bogus trust for XXXX XXXX, all who are hiding behind XXXX XXXX. See attachments. The BK court in my case, duscharged all debts leaving only a " creditor with a valid lien '' and there is no creditor only fraud based debt collectors trying to get their 1 % investment plus another illegal 99 %, this is how the corrupt 1 % rich get rich, but XXXX for 1 % and collect 99 % from the 99 %, who dont know what is going on.Then there is me, smarter then all others. I want you to file an amicus breif on my behalf and know that they tried to make XXXX trusts from XXXX home documents.FRAUD. the case is in XXXX county florida XXXX circuit [ XXXX ] case # XXXX
Company Response:
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2017-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We are in process of selling our home and found out that a ocwen did not pay our property taxes for XX/XX/XXXX and XX/XX/XXXX. Our property was sold and we had to get a small loan to pay the XXXX to get our property back. We would have never found out that our home was sold if we had n't had our house on the market. Ocwen lied saying that they sent out a check but XXXX XXXX courthouse said they never received the payment. We also checked with XXXX to see if they received payment. They said they never received it. My husband drove to charleston to pay them and I 'm attaching the redemption certificate he received for your records.
Company Response:
State: WV
Zip: 247XX
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We are filing a complaint because our mortgage lender is Ocwen Loan Servicing and they have posted a sale date on our home less than 30 days from receiving a notice of such actions. We previously had filed a complaint against Ocwen for failure to apply all of our chapter XXXX bankruptcy payment disbursements. As a recap out of {$8300.00} in payments paid directly to Ocwen from the US Trustees office, only {$5100.00} has actually been applied to our loan. On XX/XX/XXXX, agent named XXXX ID # XXXX, advised us that since we filed the complaint with the CFPB, on XX/XX/XXXX, there had already been some adjustments made to our loan in the amount of {$150.00} on XX/XX/XXXX. The agent went on to say that there would be additional adjustments made and we would be notified once the problem had been fully addressed. To this date we have not heard anything further and out of nowhere we received a sale date notice dated for XX/XX/XXXX, indicating a date of sale XX/XX/XXXX. This is a violation to Tennessee foreclosure procedures law. The laws that govern Tennessee non-judicial foreclosures are found in Tennessee Code, Chapter 21 ( Proceedings in XXXX ), Part 8, 21-1-803 ( Foreclosure Sale ) The Foreclosing attorney for Ocwen which is, XXXX ( XXXX ) 1. XXXX has failed the following actions required by law : Prior to initiating a foreclosure the trustee or other party conducting the foreclosure must notice the borrower of the sale at least twenty ( 20 ) days before the sale and publish the notice of foreclosure sale for at least three ( 3 ) weeks in a newspaper of general circulation in the county in which the property is located. The first publication must be twenty ( 20 ) days prior to the sale date. If no newspaper is available the notice must be posted in at least five ( 5 ) public places, including the courthouse and the property being foreclosed at least thirty ( 30 ) days before the sale. Furthermore, since XX/XX/XXXX, my loan has been under review for modification assistance with confirmation of a full complete package as of XX/XX/XXXX. Ocwen is refusing to postpone the sale date and this is considered " dual Tracking '' a federally prohibited offense by mortgage servicers, explicitly Ocwen since the National mortgage settlement. Ocwen is attempting to strip all positive equity from my home and have ultimately forced our home into foreclosure by refusing review of my modification request package.
Company Response:
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing to request your assistance in resolving collection by the above listed company for a debt I am no longer responsible for. Enclosed you will find a page from my credit report reflecting a false entry by Ocwen Loan Servicing. As a brief background, I sent a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4 ( d ) to XXXX, XXXX and XXXX. On XX/XX/XXXX. It should be noted that Ocwen is considered to be a debt collector within the meaning of the Fair Debt Collection Practices Act ( " FDCPA '' ) when they acquire servicing rights and responsibilities of this alleged delinquent loan. In that Notice of Direct Dispute, I included all of the requirements of FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4 ( d ), namely : identification of the specific information that is disputed, my basis for the dispute, and relevant information reasonably necessary. The investigation into same was completed on XX/XX/XXXX. I have enclosed the results of same for your review. Ocwen Loan Servicing began listing this account as a past due traditional mortgage account on my credit report in XX/XX/XXXX. This is the first of many inaccuracies relative this entry on my credit report. This is NOT a mortgage account. It should be noted that the account was never reported to the credit bureaus prior to XX/XX/XXXX. Ocwen listed this account as a " Traditional Mortgage Account '' on my credit report. This is just the first of numerous false details about the entry Ocwen has fraudulently placed on my report. While Ocwen Loan Servicing may service loans, once they begin to collect on delinquent loans, they then become a debt collector subject to the laws under the Fair Debt Collections Practices Act ( FCDPA. ) Ocwen can not report this as a traditional mortgage account when according to their own representative, the account was acquired in delinquent status ( SEE ENCLOSURE. ) To that end, I am at a loss as to why a traditional mortgage account would only begin to report in PAST DUE STATUS five years after the alleged inception of same. I.e never reported in any other status. To that end, I am not the owner of record for the property listed as security for the mortgage. It should be noted that I have no relation to the true owner of record I.e not a spouse or relative of any kind. Ocwen Mortgage lists this account as being 11 payments past due, yet lists a delinquency status of 120- 149 days late. I must then ask does Ocwen Loan Servicing require some sort of every other month payment schedule? That is the only plausible explanation as to how an account they claim is 11 months past due can also be only 120-149 days past due. As stated, the account is listed as a traditional mortgage account yet reflects no 30 or 60 day late payments and instead lists the account as being 90 days late ten times. This would be a total of 900 days late which is in direct contradiction once again with information reported by Ocwen Loan Servicing. Essentially Ocwen Loan Servicing is reporting that the account is 11 MONTHLY payments past due, yet only 120-149 days past due. At the same time Ocwen Mortgage is reporting ten 90 days late payments which totals approximately 2.5 years. I am quite confused as to which set of numbers Ocwen would have represent their version of the truth. Is the account 11 months and 120-149 days past due ( 4 to 5 months )? Or is the account past due 900 days and 2.5 years ( 30 months ) past due? I have enclosed a statement from Ocwen Loan Servicing dated XX/XX/XXXX which claims that the account was delinquent 1845 days as of that date. According to Ocwen, the loan actually decreased in delinquency during the past year going from 1845 days delinquent in XX/XX/XXXX to only 900 days past due in XX/XX/XXXX. Yet another completely fabricated element by Ocwen relative the situation. It should also be noted that I have received
Company Response:
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2017-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Client got behind on mortgage due to being diagnosed with XXXX. They asked for reinstatement amount & was adv it would be {$17000.00} or thy wld start foreclosure. On XX/XX/XXXX I wired {$13000.00} prior to the deadline to starting the foreclosure even though it was short. Then the bank sent a 2nd wire the same day which totaled {$27000.00}. The applied the funds to my account and forward posted my payments for almost a year in advance. Since they received the funds they still filed for foreclosure and charged me additional {$2500.00}. Once the 2nd wire was pulled back they backed out all of the payments and held the money in a suspense account and proceeded with foreclosure even though the {$13000.00} had been sent. Part of the {$15000.00} included the month of XX/XX/XXXX which was a current due payment plus attorney fees. They scheduled a hearing for XX/XX/XXXX. They continued to accept our monthly payments. Then I got sick again and had an issue with my employer depositing my paycheck into my account which I was not aware of when I made the arrangement for the payments. On XX/XX/XXXX I received a reinstatement letter of {$5200.00} there were other fees listed below but it is noted that those amounts were not needed to reinstate the loan. So on XX/XX/XXXX I sent a wire for the {$5200.00} just one day after receiving the reinstatement amount. Then on XX/XX/XXXX I got a letter stating they were returning the funds because the file was now back in active foreclosure and on XX/XX/XXXX they sent a letter stating it would now be {$7300.00} to reinstate which included all the fees that had been listed below the line of the reinstatement plus another XXXX for attorney fees and they have set another notice of hearing for XX/XX/XXXX.
Company Response:
State: NC
Zip: 28602
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes