Date Received: 2017-02-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XX/XX/2016 I received a HAMP modification packet from Ocwen. Myself and the co-borrower filled out the packet and submitted as instructed. We received an approval letter and instructions to make XXXX trial payments to start XX/XX/XXXX. The payment was sent via next day air and was made via money order. The payment was received and signed for on XX/XX/XXXX but they did n't cash the money order until a week later. They did n't record/post my payment until it was cashed and marked my account late. I then sent my XX/XX/XXXX trail payment via regular mail on XX/XX/XXXX and paid via personal check. They did n't try to cash my payment until a month later, my bank declined the check due to the date so I submitted it again via overnight express ( tracking numbers can be provided as proof ). They successfully cashed that check but again, marked my account late. I then immediately sent a personal check for the XX/XX/XXXX payment on XX/XX/XXXX. I waited and waited and again, they did n't try cashing the check until the middle of XX/XX/XXXX and again my bank declined the payment due to the check date. I again sent another payment in but just last week they sent a letter stating that I had to resubmit the payment via certified funds. I did that via XXXX. Today I received a notice stating that they will not accept the XXXX payment for XX/XX/XXXX and it has been returned. On the letter they state that we are over 90 days past due and that is why they would not accept my payment. Throughout the trial period Ocwen would send multiple letters, each one coming from different Ocwen office/department. None of the letters matched the other and they all had different information. Ocwen has also changed my relationship manager 3 times within the last 3 months. Each time they changed my relationship manager, I called them to try and get accurate info regarding the payments being recorded late. Each time I was advised that everything was ok and the letters were being crossed in the mail. Also each time, my previous call with my previous relationship manager was never recorded so I had to start all over with every call I made. Now Ocwen will not accept the last trial payment ( that was due and payment attempt was made before the XX/XX/XXXX ) or our XX/XX/XXXX payment as they said we are 90 past due. They are no longer honoring the signed HAMP agreement and my calls to them have not resolved the problem. We are now at risk of losing our home again because Ocwen will not accept payment-they will only accept a full payment of over {$6000.00} that they state is overdue. Ocwen has also given my phone number out to various debt relief companies without my approval and these companies call several times a day every day. I have all of their letters, tracking numbers, certified funds receipts, and my returned checks.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2017-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We are writing to dispute the following information on our current credit report. The item in dispute was a refinance of our home mortgage, referred to as a Home Affordable Modification Program ( " HAMP '' ) and Home Affordable Alternative Program ( " HAFA '' ) with Ocwen Loan Servicing, LCC in XXXX, 2016. We are requesting that the item be removed to restore our credit rating and to correct the information. When we requested the loan modification we were specifically instructed by Ocwen Loan Servicing, LCC to suspend our payments while the refinance was in process. We were never offered counseling or informed that suspending our payments during the refinance process would have such a adverse effect on our credit report. Therefore we are specifically requesting that the " Serious Delinquency " ( very late payment ) item be removed from our credit report.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2017-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Financial has barred me from paying by check or ACH since I transposed my account number by error. After months of successfully paying online the mortgage company has increased the cost to me of serving my loan while they make XXXX of dollars off of it. It 's unethical and damaging.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I purchased my home in XXXX with a 1st and 2nd mortgage. Ocwen currently owns the servicing of both of my mortgages. My 1st mortgage was a XXXX Interest Only and now adjusts every 6 mos. My 2nd mortgage is a 30 due in 15 with an interest rate of XXXX %. Due to the housing market crash in XXXX, I was not able to refinance because I now owe more than my condo is worth. Since I pay my mortgage on time each month and not in default, I was told my 1st and 2nd mortgages could not be modified. Since I am not able to refinance due to my current value vs. what I owe and Ocwen is not willing to help, I am left in a situation to worry about the payment adjusting every month months, rates increasing and paying on a 2nd mortgage with high rate that will be due in 3 yrs,
Company Response:
State: IL
Zip: 60477
Submitted Via: Web
Date Sent: 2017-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I called XXXX the end of XXXX and I was informed by the agent that Deutsche Bank National Trust was the investor for my mortgage ( loan number XXXX ). I called Deutsche Bank National Trust ( using the phone number provided by XXXX ) and was directed to speak to XXXX. I wast told that he handled the mortgages handling for the state of Virginia. I reached out to XXXX on XX/XX/XXXX via fax to explain my concerns and issue with identification of the investor on my loan and the negotiated payoff offer. I left several messages over the next few days and then spoke to XXXX directly the first week of XXXX. He explained that " XXXX continues to makes mistakes by misinforming their customers that Deutsche Bank National Trust is the investor on their mortgages. '' He continued " we have issue with XXXX sending people out was with the wrong information and I may be able to help identify who the correct investor is on your mortgage ''. After this conversation we shared the following email correspondence forwarded below in this email. I responded to XXXX email with the information provided, however he has not returned my phone calls nor responded to any follow-up emails. I reach back out to XXXX escalation department several time and they continue to identify Deutsche Bank National Trust as they investor, however they continue to deny that fact.
Company Response:
State: VA
Zip: 20105
Submitted Via: Web
Date Sent: 2017-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-20
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I filed a bankruptcy that was discharged in XXXX 2011. At that time, XXXX was the servicer of my loan. XXXX was informed that I had surrendered the property through the Bankruptcy and I vacated the home. They applied for and received a lift of stay so that they could commence with taking back the property. Just prior to the Bankruptcy discharge, they sold the servicing rights to Ocwen. For years Ocwen called to collect on the debt even after being informed that I was protected by the Bankruptcy. Ocwen employed delay tactics by trying to get me to agree to a modification. It took Ocwen five years to sell the property. They issued me a XXXX cancellation of Debt but they have it coded incorrectly. It should be noted that it was due to a Bankruptcy. This is unacceptable and a violation of Bankruptcy Code
Company Response:
State: TN
Zip: 37643
Submitted Via: Web
Date Sent: 2017-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: CFPB complaint against Ocwen Loan Servicing Per Ocwen Loan Servicing policy, Ocwen reports to all credit bureaus each month on every customer. Per Experian, Ocwen did not report for XXXX XXXX. This date reflects as " data unavailable ''! This credit bureau entry clearly shows that Ocwen never reported for this month. Per the previous complaints filed with the CFPB against Ocwen, these complaints reflect that Ocwen Loan Servicing reported " D no payment history available ''. Per Ocwen Loan Servicing website, the credit history letter request dated XXXX XXXX XXXX reflects that Ocwen is showing on their system, XXXX XXXX as " no payment history available this month ''! Per our payment history sheet dated XXXX XXXX XXXX, our XXXX XXXX payment was received by Ocwen Loan Servicing on XXXX XXXX XXXX. Per our credit history sheet dated XXXX XXXX XXXX, Ocwen reflects in there system for XXXX XXXX as " D no payment history available this month ''. Attached are documents for the CFPB to review! As you can see, this has been on ongoing issue with Ocwen Loan Servicing, bad business practices. Ocwen loan Servicing failed to report to all the credit bureaus for XXXX XXXX even though Ocwen received our mortgage payment in advance! Ocwen has failed to update their records and all the credit bureaus months later. Ocwen Loan Servicing is violating our rights to have our mortgage payment history be reported accurately each month! Ocwen 's policy to freeze credit reporting during a complaint violates our rights and possibly federal and state laws! Ocwen 's policy does not exceed federal and state laws! We request that Ocwen Loan Servicing corrects this issue immediately, reports accurately each month to all credit bureaus and verifies that the information that Ocwen employees put on our account must be accurate each month! Failure to do so must result in action taken by federal and state agencies for violating our rights!
Company Response:
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2017-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-17
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I was forced to sign pretender lender loan servicer {$750000.00} loan modification settlement, over {$200000.00} more then the Option One Mortgage loan that was paid in full to avoid Ocwen 's fraudulent trustee sale. Attached is email communication between Ocwen scum lawyer " XXXX XXXX '' denying my written request to have the right to discuss my matter before a congressional hearing before congress. Ocwen scums thought I would bend over and obey. The XXXX is aware of my matter and is correctly scheduling a hearing. So, get ready scums. Even if pretender lender loan servicer OcwenLoan Servicing is successful fraudulently auctioning off my home I will still fight till justice is served and I get my home back.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2017-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-18
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: My uncle had a mortgage loan that I believe was bought out by Ocwen when he passed away in XX/XX/XXXX. I qualified as his administrator with the local courts and notified Ocwen accordingly. Soon after, the heirs to the estate then gifted the home to me. I sent Ocwen my uncle 's death certificate and a copy of the certificate/letter of qualification so that they could speak with me about the loan. I tried calling multiple times requesting information as to what I could do to keep the home, that has been home to me for now 40 years. My contact efforts with Ocwen began XX/XX/XXXX and after many failed attempts to speak with someone that could help me, I hired a lawyer who helped me do a short sale application on the loan. I hired an independent appraiser to appraise my home and he came back with an appraisal showing $ XXXX. After sending the short sale application multiple times, we still never received any acknowledgement from Ocwen. On XX/XX/XXXX, years later, I received a certified letter dated XX/XX/XXXX stating that my home will be sold at public auction on XX/XX/XXXX at XXXX I contacted my attorney, who then called XXXX XXXX XXXX, advising that we had submitted a short sale application several times to Ocwen over the years. We were advised to send it again and we did. On XX/XX/XXXX, I received a letter about a conditional short sale approval and the auction was canceled. A couple of weeks later, I received a call from an appraiser on behalf of Ocwen stating he wanted to come out to appraise my home. He did and he came back with an appraisal of $ XXXX. Now this is odd, because there has been no renovations to the home since the initial appraisal. Finally, Ocwen responded advising that I did not qualify for the short sale because I am family. Ocwen has been impossible to work with and has caused more stress than I can tell you about. I have made every attempt to work with them with hopes that I could purchase and keep my home ; however, I am still in limbo not knowing what will happen next. They know that I have a vested interest in the home not only because I live in the home but also because my grandmother 's and my uncle 's graves are here at the home. It has been years and I am no closer to resolve than I was in XX/XX/XXXX. Ocwen 's business practices are horrible. To say this is a business, there is no sense of urgency to resolve a matter. I have made every attempt to resolve this but all I get is " crickets '' and years later, a foreclosure letter. Now I sit in limbo yet again. I need resolution so that I can move forward with my life living in MY HOME.
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2017-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mother had fallen ill in XX/XX/2016 and subsequently passed in XX/XX/2016. I had missed some time off work under FMLA and as a result my mortgage fell behind but I was keeping up with the payments just enough to avoid the property going into foreclosure so I could catch up later. On XX/XX/2016, as I was driving, I phoned my mortgage company to check on the last date I could make a payment to avoid my property going into foreclosure and was told my one of their relationship managers that I had until XX/XX/2016, to make the payment. Because there was a language barrier, I asked her three separate times to make sure I understood the exact date and she told me three times that I had until XX/XX/2016, to make the payment. On XX/XX/2016, I attempted to make the payment online and could n't. I then phoned the company and informed another relationship manager that the computer was n't letting me make a payment and he informed me that I had missed the 89 days and would have to make the complete three month payment in order to bring the loan current. I told him I was not even aware of any 89-day rule and he said the relationship manager I had previously spoken with was supposed to inform me and I told him she had not or I would have made the payment with her over the phone that same day while I had her on the phone. I then contacted the mortgage company 's Resolution department to have the call pulled. They said they pulled the call but later told me they could not provide me any information on their findings. I explained the situation and complained that their staff had given me some mis-information which caused me to miss my deadline and therefore send my loan into the foreclosure status I was trying to avoid. I filed a complaint and after many many weeks, I was giving the opportunity to apply for a loan modification. This process took several months and they took their time about requesting the necessary information from me in a timely manner and seemed to be stalling. This eventually caused me to miss the deadline for getting the " Making homes affordable '' plan at the end of XX/XX/2016. Now my loan modification has been approved but the note is almost doubled from what I was paying before which is causing me another hardship and which could eventually lead to me losing my property. I was initially lied to and manipulated into making my payment after the allotted time so I would be forced into foreclosure. I was also denied the findings of the phone conversation. I have documented each and every call I 've made to the company. Prior to my mother falling ill, I had not made any late payments on my mortgage. I even made double payments a few times. Their mis-hap has also caused my credit to be affected negatively.
Company Response:
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2017-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No