Date Received: 2017-03-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I recently was approved for an in-house modification with Ocwen. I submitted the first payment which was due on XX/XX/XXXX. However, I went to make the second payment, which was due on XX/XX/XXXX and see that everything has reverted back to the foreclosure/default status and my payment due is XX/XX/XXXX and they will not accept payments from me. The agreement and paperwork clearly states that payments must be made " within the month in which it is due or modification will be cancelled. '' XX/XX/XXXX is clearly within the month. However, I see that the status stating " your loan has been permanently modified '' has been changed to " you may be eligible for a permanent loan modification. '' I would like to modify the loan and stay in the home but can not go many more rounds with Ocwen.
Company Response:
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2017-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen is reporting a balance still and currently late when the account was paid and done in 2012! It is affecting my financing. It is inaccurate and in violation.
Company Response:
State: UT
Zip: 84065
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I got a loan/mortgage from Litton loan Servicing XXXX in XXXX. In XXXX Litton got bought out by Ocwen Loan Servicing LLC, and was told to continue making payments and everything will remain the same and to sign and fax back some papers they sent over in the mail right away or I would lose my house. I have made my monthly payment each month and since that time my payments have went up by more than {$200.00}. The problem we are having is within the past three years Ocwen contacts me to pay various amounts from {$1400.00} to {$2100.00} because of fees that they have added to the loan. These fees range from forces insurance policies costing over $ 10XXXX, and other fees for services that we did not receive such as maintenance fees, and modification fees. When asked what the fee for is, I 'm charged a history transaction fee. I brought to Ocwen all the payment that I have made and show them that I have not missed a payment for the last 10 years and Ocwen adjusted my account because they did not have any documentation of that. I personally went to Ocwen office at the XXXX XXXX XXXX office and it was like a call center. I could not speak to any manager or anyone there and they told me that unless I was a lawyer they could not speak to me and to call them on the phone. The representative also stated that they are a collection agency and the servicer or the loan and not the owner. When I asked them who is the owner of the loan, Ocwen said it was there investors. They can not disclose their investors and if, XXXX sold the mortgage as a bundle then that investor could be anyone from XXXX XXXX, XXXX XXXX, or anywhere. Even though the loan was modified back in XXXX to have a 2.0 % the bad practices of using fees and penalties is what Ocwen uses to continue to collect more money and use to take people houses away. The loan with Ocwen says it 's a 30 year loan with 2.0 % but the type of loan is a balloon loan. I did not sign any papers for a balloon loan. Everything was fixed rate and conventional but now in the system it says that. I need that to be corrected back and for these fees to be removed. I had called a representative of Ocwen and we discussed the fees and were given a fax number for them to remove the fees and that was the only way because they can not remove fees over the phone. Each time we sent in this fax, Ocwen claimed that they never received it. The fees we need removed are the payments that we had made toward the forced place XXXX XXXX XXXX, because we already had insurance on the property. Additional fees that I need to be remove is the maintenance fee, investor fee, transaction history fee, late charge assessment fee, property inspection fee, property report fee, and FC thru title searches fee. Ocwen will not accept any payment unless it is the amount that they want and will only accept payment by cash, money gram or XXXX XXXX. Ocwen also charges a fee each time a payment is made whether it is by phone, EBT from a bank, direct deposit or online by an automated process. I would like to know why I am paying extra fees just to make a payment and how can me make monthly payment without paying an extra fee. The Ocwen representative also stated that I conducted a modification on this loan in XXXX and when I ask them for the documentation they said they could not provide that. Each time I call this company or have my son call this company who is an authorized representative on this account, it goes to a call center and the person says they can not help me and they are a debt collection agency and can only give information and any removal of fees has to be faxed in. On the CFPB website there are won class action lawsuits against Ocwen for this very same thing that I 'm submitting the complaint about. Ocwen is continuing these same misleading practices with me and I was never notified of these lawsuits against Oc
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX ( approx ) I received a modification approval from Ocwen for our mortgage. On XX/XX/XXXX ( see attached proof ) we sent this in to them via email as requested. Also that same day I spoke to them and made my XXXX payment so that it would not be late due to the bank holiday. On XX/XX/XXXX we made our second payment and I was lead to believe all was ok. We never received notice that they did not have the paperwork nor were we led to believe that there was any issue. On XX/XX/XXXX I received my scheduled call from our Relationship Manager and at this time he tells me that our mod was cancelled because they did not have the paperwork.I confirmed this with a email. I then informed him that we sent in in on XX/XX/XXXX and at that time he confirmed it and told me that he would have it all straightened out and we would receive the final docs to sign in XXXX days. I gave it till XX/XX/XXXX and still nothing from them, so I called again, and again told everything is ok, they are working to get it resolved give it XXXX more days. So again I wait for the paperwork and again nothing, call them again on XXXX. This time told its still in review and nothing has been done. I will get a call by the end of the day. No call but I get an email stating that the denial was reversed, but they are still reviewing to see if they can give me a mod. I dont understand, because the mod was done and approved, but they screwed it up.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2017-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen received my XX/XX/2017 payment as follows : check # XXXX, in the amount of {$3100.00}. That would break down as follows, regular monthly payment of {$1100.00}. Plus a extra {$2000.00} to be applied to just the principal. Out of that regular monthly payment of {$1100.00} should come the escrow, the interest, and the PRINCIPAL payment. As you can see from the attachments. Ocwen once again has failed to apply my monthly funds correctly. This month Ocwen failed to apply my regular principal payment to the loan. ( that amount would be {$460.00} ) Ocwen only applied the extra principal payment I sent in to my loan. As you can clearly see from the letter Ocwen sent to me and to the CFPB dated XX/XX/2017. They corrected their last mistake from last month and brought my account up to date with the correct unpaid principal balance for XX/XX/2017 of {$130000.00}. ( that page is in with the attachments. ) With that being said when you take the extra principal payment of {$2000.00} plus the regular principal payment of {$460.00} and add those together you get {$2400.00}. You then subtract the {$2400.00} from the unpaid principal balance of the loan, and you get {$130000.00} for the unpaid principal balance of my loan going into XX/XX/2017. As you can clearly see on the payments and amounts due page ( that page is in the attachments ) Ocwen states that the unpaid principal balance is {$130000.00}. That is clearly wrong. On the payment confirmation page ( that page is in the attachments ) Ocwen states that my loan is now due for XX/XX/2017. THAT IS CLEARLY WRONG. My account is next due for XX/XX/2017. On the Payment and history page ( that page is in the attachments ) Ocwen does n't show any amount of principal being applied to my loan for the month of XX/XX/2017.
Company Response:
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I filed for Chapter XXXX bankruptcy on XX/XX/XXXX after several repeated attempts for loan modification were denied. On XX/XX/XXXX Owen Loan Serving filed a notice of post-petition mortgage fees, expenses and charges with the bankruptcy court to recover legal costs incurred after I filed for bankruptcy. I have been making payments to the trustee 's office for my mortgage payments since XX/XX/XXXX. However, Ocwen servicing loan ( Mortgage lender ) never filed a proof of claim. I had to incur an additional expense to pay bankruptcy lawyer to file proof of claim on my behalf. I am attempting to get my XXXX Tax Forms and was told I wo n't be receiving one because there were no payments made in XX/XX/XXXX. The trustee was holding on to the money to allow Ocwen time to file claim which never happened forcing me to file a proof of claim via my attorney in which I incurred an additional fee. On XX/XX/XXXX a payment of {$16000.00} was made to Ocwen by my trustee however, Ocwen states they did not receive payment until XX/XX/XXXX and therefore I will not receive a XXXX for XX/XX/XXXX. Did I mention Ocwen file a {$400.00} claim, which is to be paid through my bankruptcy plan as fees they are recouping/charging to " review '' my bankruptcy plan which in turns increases my bankruptcy payment amount?, Ocwen responded with a letter that states nothing but facts regarding the case. No one has explained to me why a proof of claim was never filed by Ocwen. Can someone please explain why a proof of claim was never filed by Ocwen causing me to file on their behalf? Also can someone please explain why the payment of {$16000.00} made to Ocwen on XX/XX/XXXX was not receiving until XX/XX/XXXX. I, XXXX had to file the proof of claim on my own behalf via my attorney which is attached as Ocwen did not file a proof of claim. Had Ocwen done its job of filing a proof of claim via their local lawyer then I would not be in this situation at all. A notice of post-petition is NOT the same thing as a proof of claim. Can you provide reason for not filing proof of claim in a timely manner? Can you also provide a reason for not receiving payment until XX/XX/XXXX when payments were made on XX/XX/XXXX. See attachments. As a result of Ocwen 's negligence in filing proof of claim ; it caused trustee to hold on the payments while simultaneously allowing your Ocwen 's local lawyer to time to file claim. It also resulted in having to file the claim myself which is not in my fault and therefore I should be punished for Ocwen 's local lawyer 's negligence in filing a proof of claim. Previous response does not answer my questions. It only states facts.
Company Response:
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2017-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Our original mortgage had the wrong property city and zip. Original mortgage had property city as XXXX and zip as XXXX. We recently received a loan modification and the loan modification contained the correct property city and zip. According to our Servicer, Ocwen Loan Servicing , LLC, the entity that currently owns the account and holds the note is XXXX BankXXXX as Trustee for Option One Mortgage Loan Trust 2006-1, Asset-Backed Certificates, Series 2006-1, XXXX XXXX : XXXX, XXXX, MD XXXX. The new modified loan balance has been reported and reflected in the trust, but the property city and zip are still incorrect.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2017-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen was to deduct my mortgage payment from my banking account. For unknown reason the payment did not go through. Ocwen never contacted me. Only when we sold our home did I find out that they were reporting me late every 30 days. When I contacted them it was revealed that the contact information on my account was someone else 's to include the mailing address. When I asked to have these late payments taken off my credit report they stated to me " Well you were late even if we did n't contact you '' and hung up the phone.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is a follow-up to claim # XXXX which I have just disputed. However, in an effort to further clarify my previous message which stated the following : " The second proprietary lease has been forwarded to XXXX '' who confirmed receipt. Per your letter and XXXX you were to send me back one of the proprietary leases along with the stock certificate. I do not understand what game are you and XXXX playing with me. I have been dealing with this issue for almost two years now which seems like a bad dream I ca n't wait to wake up from.
Company Response:
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: On Monday XXXX XXXX, 2017, my home insurance company XXXX XXXX XXXX XXXX contacted me and informed me that Ocwen Loan Servicing , LLC contacted them stating that my home was vacant and unoccupied. XXXX XXXX contacted me immediately and we started looking into the matter further. They then stated that Ocwen Loan Servicing , LLC was listed as the mortgagee on my insurance paperwork. Ocwen is NOT my mortgagee and my house is not vacant. XXXX XXXX Bank is my mortgagee. On XXXX XXXX, 2017, I received documentation from XXXX XXXX to provide to XXXX XXXX stating that they were the mortgagee. XXXX XXXX did no see anything in their system showing that I changed who the mortgagee was. XXXX XXXX also looked into the issue and there was no indication that Ocwen has been a part of my mortgage at any time since purchasing the house. XXXX XXXX ( XXXX ext XXXX ) was my XXXX XXXX case worker.
Company Response:
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No