Date Received: 2017-03-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Consumer Finance Financial Protection Bureau Re : Fraudulent handling of escrow funds complaint : Ocwen Home Loan LLC Act XXXX Dear Sir or Madam, On XXXX XXXX, I received a letter from Ocwen Home Loan LLC Insurance department advising XXXX had canceled my policy and their intention of imposing lender-placed insurance. I contacted XXXX who advised they did cancel the policy for NON-PAYMENT. Upon learning of the non-payment, I checked my online Ocwen mortgage loan account records to find Ocwen reports they paid XXXX {$3700.00} out of my escrow account on XXXX XXXX for a policy good thru XXXX XXXX, XXXX. ( copy attached ). Proceeding thru my Ocwen account records I searched for escrow disbursements for the date range of XXXX XXXX XXXX thru XXXX XXXX XXXX. I did not find a record that Ocwen indeed paid XXXX for my policy as they fraudulently reported paying after deducting {$3700.00} deducted from my escrow account. I am requesting the assistance of the Consumer Financial Protection Bureau in getting Ocwen to return the {$3700.00} to my escrow account and dispersing a check to XXXX for {$3700.00} to pay for the homeowner 's insurance policy on the property. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: After a lengthy process to obtain a loan modification and completing trial payments by XX/XX/2017, I received correspondence from Ocwen saying I was delinquent and foreclosure was being initiated. I contacted Ocwen and through conversation determined that my loan modification was cancelled because I did not return the original signed document. It turned out that Ocwen had mailed my loan modification to an old address and not to the property where I reside. That package was sent in a way that did not trigger non-receipt or return the abandoned envelope which laid on the doorstep of a vacant home several states away for two months. Agreement was gained to have Ocwen reship the document to the property for my signature. I received, signed and returned the packaged within two business days. I continued to make my monthly payment however they began getting returned to my account and no accepted. I contacted Ocwen and learned that the booking of my signed document had to be tasked as an exception and that was not done my the last service representative. After much back and forth I requested my issue be escalated and was advised that Ocwen does not have an escalation process and the service representative was it. We agreed that they would enter the task for my modification to be booked and I would follow up in two weeks. Payments still not being accepted, I called for my follow up and learned that I would need to follow up in three more weeks. I suddenly received the permanent modification countersigned by Ocwen in my mail. Thrilled, I followed up again and asked if I could tender all of the payments that had been returned and the past due amount was higher due to default fees. I argued that I was never in default and that based on the circumstances notated in their servicing system the default fees should be reversed. The service representative agreed and entered a task for that to occur. Again, my monthly payment was returned and again I received correspondence suggesting I was in foreclosure. I contacted Ocwen and it turned out my permanent modification, though counter signed and returned to me, had never been booked. Feeling frustrated and helpless after 9 months of back and forth, I contacted the law firm listed on the foreclosure notices and was escalated to XXXX XXXX XXXX, XXXX. I shared the background as cited above and provided her accounting of my bank account with a building balance for all of the returned payments along with a copy of the fully countersigned permanent modification. My follow up with XXXX XXXX continued for several months with no outcome, only responses that she has escalated and is waiting to hear back. In XX/XX/XXXX, I sent all of the returned payments in one check to Ocwen and notified the law firm that I was doing so. Ocwen returned the funds again. XXXX XXXX, 2017 I received a notice of foreclosure again with a XX/XX/XXXX sale date. Mind you I have made payment each month that are all being returned and accumulating in my accounts still. I contacted XXXX XXXX asking for payment instructions so I could send the funds directly to the law firm. She responded with one line advising that XXXX XXXX would now be my contact. I reached out to XXXX XXXX requesting payment instructions and continue to wait even after several follow up attempts. I have all payments. I have the ability to pay. I have a family in a family home. Ocwen and their vendors are disorganized and disrespectful and have caused a great deal of pain and anguish that is unnecessary. Please help me to get this foreclosure date cancelled, my monies accepted and applied and full resolution brought to this matter so I can return to being a normal paying customer.
Company Response:
State: VA
Zip: 23703
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I HAVE BEEN DEALING WITH OCWEN LOAN SERVICING FOR SEVERAL YEARS TRYING TO GET A SHORT SALE APPROVED. IT HAS BEEN IMPOSSIBLE. THE SERVICING IS IN XXXX AND THOSE CUSTOMER SERVICE REPS ' READ A SCRIPT AND ARE NO HELP..NONE AND WHEN YOU TRY TO GET SOMEONE IN THE UNITED STATES TO SPEAK TO YOU IT COULD BE WEEKS OR MONTHS BEFORE HEARING BACK. MY HOUSE IS UP FOR SALE ON XX/XX/2017, NO NOTICE, NO NOTHING, JUST A CALL FROM SOMEONE IN XXXX TELLING ME SHORT SALE WAS APPROVED AND I WOULD HAVE PAPERWORK WITHIN A FEW DAYS ... BUT, " OH, BY THE WAY '', YOU SALE DATE IS XX/XX/2017. I WAS FURIOUS. WE HAVE BEEN WORKING DILIGENTLY ON THIS END TO GET THINGS FINISHED WITH NOTHING, ABSOLUTELY NOTHING BUT LIES AND DECEIT FROM OCWEN. I TAKE CARE OF MY XXXX MOTHER AND MY GRANDSON. THIS IS HORRIBLE, ESPECIALLY WHEN YOU HAVE THE BUYER READY TO GO AND OCWEN STILL CA N'T TELL THE TRUTH. THEY HAVE STATED THEY " MISPLACED '' THE SHORT SALE PAPERWORK, LOST IT ... AND THEN FOUND IT AGAIN. NOW THEY ARE ASKING FOR AN APPRAISAL DAYS BEFORE SALE AND THAT CERTAINLY WO N'T DO ANYONE ANY GOOD ESPECIALLY SINCE THEY HAVE HAD SEVERAL SINCE THIS PROCESS STARTED. OCWEN ALSO PUT FORCED INSURANCE ON THE PROPERTY BUT HAVE NEVER EVER EVER FIXED ANY PROBLEMS THAT HAVE BEEN EXPERIENCED AT THE RESIDENCE. STORMS, ROOF PROBLEMS, TREES DOWN, DAMAGE TO THE WALL FOR THE FOUNDATION DUE TO STORMS ... .NOTHING ... THEY DO N'T EVEN CALL BACK ... ... THIS IS HORRIBLE TREATMENT ... ..HORRIBLE .... MY ORIGINAL MORTGAGE COMPANY WENT BANKRUPT, THEN THE SECOND DID THE SAME AND THEN I WAS INTRODUCED TO OCWEN AS THE SERVICER AND THEY ARE DOING NOTHING BUT SUCKING THE LIFE OUT OF PEOPLE.. WHERE IS THE HELP, THE MODIFICATIONS, NOTHING BUT LIES AND DECEPTION. WHERE AM I TO GO WITH MY XXXX MOTHER ...?????????? I HAVE WORKED ALL MY LIFE AND HAVE BEEN HERE IN THIS HOUSE OVER 15 YEARS. I GOT THE BUYER FOR THE PROPERTY, THE MONIES IN ESCROW, EVERYTHING AND THEY CA N'T GET IT IN FRONT OF SOMEONE WHO SPEAKS ENGLISH AND CAN READ A DOCUMENTS ... .WHERE DO WE GO FROM HERE .... LIARS ... .ALL LIARS .... I HAVE DOCUMENTED EVERYTHING ... NAMES, TIMES, EXTENSIONS, ETC ... ALL OF IT.. TELL PEOPLE ... .TELL EVERYONE ... ..SOMEHOW WE NEED TO STOP THIS CRAZINESS ... NOW .... OCWEN ... ... ..LIARS ... ..THEIVES ... ... LIARS ....
Company Response:
State: NC
Zip: 28409
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ive attached the original letter that will explain how this started. To explain where we are now ... Ocwen refuses to release the remaining insurance proceeds so we can finish our flooded home and I have a letter from Ocwen stating once we were at 90 % repaired they would release and they will not do so. They received our initial insurance check on XXXX XXXX and after many many many fighting phone calls, and complaint with XXXX and La Attorney Generals office, they release the 1st pymt on XXXX XXXX. We had an inspection in mid XXXX and that came back at 90 %. and yet again not releasing all of the money, only a portion. Also, when this event occurred Ocwen waived our XXXX XXXX and XXXX payments and offered to spread them over 9 months with our 1st payment beginning with our XXXX payment. Our payment amount is XXXX and XXXX goes toward the payments of XXXX XXXX and XXXX ... .they have been reporting us late to the credit bureaus ever since. When I got our local authorities involved they corrected the late payments for XXXX XXXX XXXX and XXXX but are continuing to report us late for XXXX XXXX and now XXXX, sending my credit score down over XXXX points. I would like to receive the remaining {$31000.00} dollars in insurance proceeds released immediately and for them to correct all aspects of my credit file so that my score returns to what it was prior to them reporting incorrectly. Any help is much appreciated. I have attached several docs as reference that supports all that I have spoke about. Sincerely XXXX XXXX XXXX
Company Response:
State: LA
Zip: 70726
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This complaint concerns Indy Mac Bank. There are several issues to discuss concerning Indy Mac. First, I was told that I had to miss payments in order to be qualified to modify my loan. Secondly we were in the process of applying for a modification under the HAMP plan with Indy Mac, and they dual tracked us. We would receive foreclosure notices while in the midst of HAMP application, review and approval, up until the last moment. Thirdly, after I carefully submitted paperwork for review, Indy Mac would either call and say they never received it, or it had expired, and the entire application would have to begin again. Lastly, this whole process took nearly a year, the whole time being threatened with foreclosure. I wrote the State of Georgia Attorney General 's Office, called several National Hotlines for help and faxed Pres. Obama 's administration a complaint about the way I was being treated. Almost immediately after that, my loan modification was approved. At that time-XXXX, there was not legislation against dual tracking and requiring a homeowner to miss payments. I understand that is now in effect, and I am asking for relief from Indy Mac ( now XXXX Bank ). This process affected my health and XXXX immensely. I had XXXX very young children at the time, and looking back at that one year process and the negligence with which they handled the application process was a very bad memory. I understand now that certain mortgage companies have been and are being held liable for their actions during this time. Thank you.
Company Response:
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN Loan Servicing has marked my account as well as my wife 's account with all XXXX credit bureaus as a foreclosure. The house legally was sold to XXXX & XXXX by me and my wife XXXX through a professional licensed Realtor. The mortgage was paid in full at the time of closing. The account should just show as a normal account paid in full and closed. This derogatory condition on the account is preventing my wife and I from seeking a fair car loan. I filed a complaint with OCWEN almost 20 days ago at which time they told me I would hear something back from them within 10 days. Property description below. *Legal Description : XXXX *Property Address : XXXX XXXX XXXX XXXX XXXX TX XXXX
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Been trying over two years to get a loan modification.
Company Response:
State: IN
Zip: 469XX
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-06
Issue: Settlement process and costs
Subissue:
Consumer Complaint: We the American people will rise against you Ocwen XXXX, and we will bring you XXXX down. Ocwen XXXX can not control themselves, full of greed living in another planet. Totally incompetent! Ocwen Loan Servicing LLC, N.J. Super. App. Div. ( per curiam ) ( XXXX pp. ) Plaintiff XXXX XXXX. XXXX appealed an order dismissing his XXXX-count amended complaint for failure to state a claim. The appellate panel affirmed the dismissal with the exception of XXXX counts. Plaintiff filed the complaint against defendants Ocwen Loan Servicing LLC and XXXX as Trustee. The complaint alleged that over the course of 22 years, defendants engaged in a pattern of misconduct by refusing to accept plaintiff 's mortgage payments in order to claim default and file frivolous foreclosure actions against him. The first count surviving dismissal alleges that plaintiff made mortgage payments and paid insurance premiums over a lengthy period of time without receiving proper credit, defendants failed to pay real estate taxes funded by plaintiff 's mortgage payments, and defendants charged plaintiff for insurance premiums that were improper and never credited. Moreover, plaintiff could not challenge the alleged amount due because defendants dismissed the foreclosure action. The appellate panel found that this count alleges valid claim for an accounting and reversed the court 's order dismissing it. The second count surviving dismissal alleges that defendants engaged in a course of deceitful and unconscionable conduct in their efforts to enforce and collect the sums due under plaintiff 's loan. The actions alleged included failing to accept and credit plaintiff 's mortgage payments in order to falsely claim he was in default, and demanding payments for premiums and other purported costs that were improper. Those allegations were sufficient to state a claim under the Consumer Fraud Act that defendants engaged in unconscionable loan collection practices. The panel reversed the court 's dismissal of that claim. The panel noted that, despite defendants claims otherwise, loan collection efforts undertaken by the " lender or its assignee '' fall within the protections of the CFA.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-06
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I have contacted CFPB multiple times regarding the status of my matter, the representatives all follow the same telephonic script. When I ask the representatives where all the Ocwen collected fine fees go, the representatives all refuse tell me and end the conversation. Well this explains most of it? Monday on XXXX 's " Mornings With XXXX, '' the author of " XXXX, '' XXXX, discussed a new report from the Government Accountability Institute ( GAI ) that found the Obama administration 's Department of Justice has been directing fines levied on major banks to fund leftist groups. Partial transcript as follows : XXXX : Let me ask you about another exclusive report we want to get to. When banks are sued by the Justice Department -- we know right now that the department is trying to get upwards of XXXX dollars from XXXX. We do n't know what that a number is ultimately going to be. Where does that money go? Does it allegedly help fund political nonprofit groups? Because this is what the Government Accountability Institute is saying, and we 've got this exclusive report. XXXX Yes, that is right, XXXX, we 've got a report coming out today. Anybody can get it -- XXXX. What we looked at is what the Obama Department of Justice has done when they have gone after banks, whether is was related to mortgage-backed securities or lending practices going back to the XX/XX/2008 financial crisis, and what you find is that a lot of money is not actually going to pay the victims. That money is being steered by the Department of Justice to fund progressive liberal organizations. More than XXXX dollars worth. And that money is being steered toward political activism. And in fact, the Department of Justice giving these large financial institutions, which have allegedly you know, conducted in bad behavior, they are giving them a XXXX dollar to XXXX discount. If they will give a dollar to a progressive organization, that wipes XXXX dollars off the slate in terms of what they owe federal government as related to their financial activities. So this is a massive problem. It shows that a lot of activities -- the Department of Justice under President Obama -- has not been about actual making the victims whole as it relates to these financial activities, but actually funding left wing groups. I will bring all you dirt bags down who have committed fraud against me. XXXX
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-06
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I am the personal representative of my mother 's estate. After she passed, my brother decided to move into her home ( ie make it his primary residence ) and take over the mortgage payments. From my understanding of the XXXX XXXX XXXX XXXX XXXX of 1982, my brother, who meets all of the definitions of a an immediate family member, and meets the primary residence requirement, is able to take over the loan without qualifying, refinancing, or changing the name on the deed from our mother 's name to his name. However, I continue to get harassing phone calls from the Ocwen servicers asking for me to change the loan over to my brother. I have provided updated contact information, and my brother has been up-to-date on all mortgage payments. I would like the phone calls to me, especially during work hours to stop.
Company Response:
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No