Date Received: 2017-02-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I overnighted a {$4300.00} check to OCWEN and have it arriving and signed for at Ocwen. It always takes a week and after 2 weeks not hitting I called them. They lost the check and TOLD me NOT to make a payment until their investigation was resolved. Over the next 3 months they were doing an investigation and TOLD me not to pay until this was resolved. Once they told me to stop payment - a week later I mailed them the entire payment to ctach it up. The supervisor XXXX ( XXXX ) told me it would not go against me. Now they reported me late to all XXXX credit agencies. They will not call me back to resolves this. I have called numerous times as this is really adversely affecting my life.
Company Response:
State: PA
Zip: 18966
Submitted Via: Web
Date Sent: 2017-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN has unilaterally and in clear violation of the loan modification agreement I signed in XXXX as a result of a very real financial hardship, increased the monthly mortgage ( PITI ) payment to the tune of an additional {$400.00} dollars, a 14.3 % increase within the first six ( 6 ) months since I signed the loan modification in XXXX of XXXX. I have repeatedly questioned this with OCWEN representatives and through correspondence which has not been answered and even though they can not negate my argument based on the agreement, they dance around the issue and state that, from their perspective, it is justified and allowable as part of the agreement. I agreed to a payment of {$2800.00}, one that the loan modification agreement states will remain the same for at least the first year of the agreement. Please be mindful that I was clearly told when I inquired, that the delay during the trial modification plan in offering a permanent loan modification was due to the need for their financial department to look at and analyze every detail of my hardship situation, including pending payments, escrow amounts, real estate taxes, insurance costs, etc. to ensure that the proposed monthly payment would be one I could pay within the income analysis guidelines. Not only did I submit the requested application information, I was also contacted on two occasions by OCWEN representatives to discuss the details. Based on the latter, how can there be such an increase within such a short period and in violation of the first year, as stated in the agreement, when in fact, their financial experts looked and analyzed every detail in the situation. The payment is now up to {$3200.00}. In addition, attempting to speak with their claimed relationship manager for the loan is an impossible task, as he/she is never available, and when one speaks with an alternate one, they suggest I speak with the assigned one, not to mention the delays, sometimes weeks, before an appointment can be scheduled with the person. OCWEN is not acting in good faith. Yes, I am trying to get back on my feet as a result of a new job started in XXXX, however, there is no justification for the unilateral jump in the monthly payment. Mixed signals are common within OCWEN as one representative will tell you something and the next one will interpret and advice differently. A perfect example of this is a recent conversation with XXXX representatives reference my mailing of a recent payment, wherein one of the representative tells me I need to pay an amount over {$12000.00} for what they claimed was reinstatement, another tells me only half of that amount is due and a XXXX one tells me to send the regular payment via US Mail to the above address, as I planned originally planned and have done in the past and did. Prior to filing this complaint, I sent a detailed email to OCWEN 's ombudsman 's e-mail on the XXXX of XXXX and as of this date, received no response. In addition, the earliest date my relationship manager is available is XX/XX/XXXX at XXXX, thus no option but to wait until then to speak, assuming he/she calls me. I am receiving contradicting misinformation from OCWEN and it warrants immediate clarification and discussion as to what information is correct and options available to me based on the circumstances due to the sensitive nature and time of the matter. I have repeatedly requested a responsible and competent response from OCWEN, to no avail. I am requesting your office 's assistance in ensuring OCWEN acts responsibly and ethically in their servicing of my loan. Based on my experience with them and the unanswered letters, copies of which I have, and their lack of response, their actions warrant action from CFPB. I look forward to a positive resolution. Thank you for your assistance. XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2017-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: OCWEN Mortgage XXXX. Has not mailed me my tax documents. There 's a lot of complaints against them for this same issue. Also I submitted for a loan modification a couple of years ago & spent over {$700.00} in refaxing the documents to them from XXXX & ea. time they sd. They did n't get them. I almost ended up in the street with my XXXX kids & both of my parents living with me, I 'm a single mom.
Company Response:
State: CA
Zip: 90604
Submitted Via: Web
Date Sent: 2017-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage is paid through my bank 's bill pay app. The payment is sent on the same date every month. The mortgage service company received the payment on the date it is sent. But, this month ( XX/XX/2017 ) the payment was sent back to my bank. After speaking with the mortgage companies customer service. I was told, " Because I was 89 days behind on a payment, they will not except the payment unless it was the full amount. To include the past due amount ''. Okay, I accepted that, and is willing to sent the money through my bank 's bill pay app, to the their company, same place I sent it to every month. But, I was told I would have to sent the money by a Money order, XXXX or XXXX electric transfer which is secured funds. The problem is, that either of the above mention methods has a cost associated with it, anywhere from $ XXXX- {$100.00}. And, if they keep sending my payments back, it will continue to put me further in the a hole. Another problem is that, my mortgage has changed servicing company three times. I do n't ever remember signing any documents stating this 89 day rule.
Company Response:
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2017-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I bought a condo with XXXX other people ( Husband/wife ) 10 years ago. They divorced and he declared bankruptcy. The property was quit claimed over to me. I have been making the payments on the loan on my own for approximately 6 years. The lender/servicer is OCWEN. I have called them numerous times and spent hours on the phone with them. I have sent them the quit claim 3 times. It takes FOREVER to even be able to speak with someone, as they say can not find my name on the loan. I have never received a XXXX mortgage interest statement in the entire 10 years that I had the loan. The loan does report to the credit bureaus. I have recently refinanced this loan, so it is now closed. There was a refund check issued and it is made out to the borrower who declared bankruptcy and quit claimed off the property. I have called OCWEN again and am now being toold I need to send a letter to the research department as they once again can not find any of the documents that have been sent to them multiple times. Again, this problem has persisted for over 5 years.
Company Response:
State: CA
Zip: 92009
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Complainant is the sole legal owner of a residential property, on which a loan is being serviced by Ocwen. In XX/XX/XXXX, Complainant and her now deceased husband entered a refinancing agreement with XXXX, a mortgage broker. All negotiations regarding the refinance were conducted by telephone, mail or fax. Complainant and her husband did not meet personally with any XXXX employee ( save the independent notary ). Only after her husband 's death in XX/XX/XXXX, did complainant learn that the Note securing the loan had been signed only by her husband, and that he alone was listed as the " borrower ''. Apparently XXXX had combined the modest monthly income of both decedent and complainant and listed the total as income of the deceased as a method to qualify for a refinance the property. Both complainant and decedent signed the deed of trust securing the loan to the property. Title to this property was held in joint tenancy with rights of survivorship as authorized by XXXX law. Upon decedent 's passing, sole title and ownership of the property passed to Complainant, and the necessary documents to reflect the termination of the joint tenancy at his death have been recorded. No probate was or will be filed as there were no assets subject to probate. Faced with the loss of her husband and his financial contribution to their modest household, Complainant contacted Ocwen seeking some modification of the mortgage that would reduce the burden of monthly payments that exceeded her ability to satisfy from her own income. Only when Ocwen 's employees refused to communicate or speak with her, did she learn that her husband alone was listed as the only " borrower '' on the loan. Weeks passed until Ocwen 's representatives would entertain any discussion regarding an application to modify the loan payments. In the following months, Ocwen 's agents and employee 's engaged in conduct which appeared to be designed to obfuscate, misrepresent facts and law as applied to her circumstances, through no less than XXXX different agents or employees who in turn made repeated and conflicting and duplicatory demands for documents concluding with a denial of her request for modification, based in part upon a conclusion that she was not " the borrower ''. In the summer of XX/XX/XXXX Complainant learned from a web site " XXXX, that there would be a seminar given in XXXX, CA and that Ocwen representatives would be there to counsel with individuals XXXX mortgage problems. Encouraged by Ocwen 's representatives she renewed her application for mortgage assistance. An Ocwen XXXX helped her to complete basic paperwork, assigned her a specific Ocwen employee, one XXXX XXXX as her relationship XXXX, and informed her of other documents required to complete her application. The months that followed became a rerun of the same confusing contradictory and useless demands for documents, in this case advanced by XXXX different employees. At no time has she be able to communicate with her assigned " relationship XXXX '' XXXX XXXX, nor has he ever responded to any messages left by her. Ocwen agents forwarded to her a XXXX Transfer package '' insisting that her request could not or would not be sent to for consideration, with out these additional documents including an " Assumption of XXXX XXXX ''. which clearly binds her to Assuming the Liability of the debt incurred only by her late husband whether or not she qualifies for any the loan modification relief. This conduct over the past XXXX XXXX years makes it clear that she can not trust that these documents are only " preliminary ''. These demands are extortive in that the document ( XXXX ) on their face impose an additional legal burden on her without resolution of her request for relief. Apparently there is no Ocwen agent with any authority to resolve this dispute.
Company Response:
State: CA
Zip: 95662
Submitted Via: Web
Date Sent: 2017-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage is with OCWEN. Each year when they renew my loan information I end up short in my escrow due to homeowners insurance going up or something they 've done. I always pay the difference so I can keep my monthly payment the same since I live on a budget. I called to verify the amount short and asked if it would remain the same if I paid the shortage or a little more, the lady with OCWEN said if I paid little more than what was short, it should be at the same payment or even a little less. I wrote a check for a few dollars more than what the shortage was & mailed it on XX/XX/XXXX. On XX/XX/XXXX I called OCWEN to see if they received the check because it still had not cleared my bank ; and what my payment would be. The lady I spoke with said yes they had received it and applied it, however my payment went UP a few more dollars instead of going down or remaining the same. So I paid a little more than what was owed according to the contract paperwork OCWEN sent me. I asked why and she said because my insurance went up. I told her they have never done business with me this way and that my payment should stay the same as it did in the previous years. She said they do n't allow the amount to go back to what it was anymore, I asked why & she said because my insurance went up. I mentioned again that this is what they stated on the XX/XX/XXXX updated loan contract, why does she keep blaming it on the insurance going up, it goes up every year and this has never been the issue. She said they just do n't put it back to the original amount anymore. So I said, not only did I pay more than what they said it would be short ; my payment is going up more, so I 'm just giving them extra money for nothing. Needless to say I 'm currently looking into refinancing with another company. Also as of today XX/XX/XXXX, the check I sent them on XX/XX/XXXX still has not cleared my bank, so I 'm going to call them again to inquire about it. OCWEN is a nightmare. I have never been late on a payment yet I 'm being treated as if I were not the customer but in debt to them regardless. Several years ago I had to file a complaint because I was paying a little extra and marking the appropriate box where I wanted this extra $ to go. OCWEN never applied it to my choice, they applied it to their choice so it messed my finances up. They eventually fixed it after I got a lawyer involved. Shame on these big bully companies for pushing around EXCELLENT customer. I have thorough documentation regarding the two conversations I had with the two OCWEN representatives, names and ID # 's.
Company Response:
State: AL
Zip: 363XX
Submitted Via: Web
Date Sent: 2017-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: During XXXX our home experience damage, {$20000.00} worth, the mortgage company stipulation on how the funds can be released were too severe and we could not fulfil the demand by the mortgage company. By the time I was able to move out to get repair started the mortgage company started back the repayment plan. I am now renting and they want me to start paying back the mortgage.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2017-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: See QWR notice of Error and Exhibits. My investor agreed on a reaffirmation agreement XX/XX/XXXX this was signed in court on XX/XX/XXXX and filed. The investors loan servicer failed to adjust my loan to the agreement and continued to send me monthly bills that included the bankrupcty cram down. The loan servicer changed XX/XX/XXXX and the new servicer Ocwen resumed where XXXX left off with the incorrect amount on the transfer documents. Notified Ocwen XX/XX/XXXX and did not get a response or a monthly statement unit XX/XX/XXXX I guess they wanted to make sure the 3 year statue of limitations ran out just one problem now that they got the loan amount adjusted they want more than half that principle paid at once or be foreclosed on. I never even got a letter telling me why or what happened to cause this large payment. ITS CALLED DISCLOSURE. I have asked for copies of all periodic monthly statements relating to my mortgage and any response to my questions to be returned or responded though the CFPB to me. I have found in the past when I have asked for information that the investors or loan servicing companies respond that they will need additional time or they will respond directly to me or my attorney but end up never completing the response in full to me or sending a attorney my response weeks later but not what I asked for. I have enclosed a permission letter from my lawyer in the exhibits and faxed a copy today to my POC at Ocwen to by pass any legal confusion if that Ocwen can communicate with me. I want to make this clear that any in the form of documentation or information should be sent back though this complaint. If my POC at Ocwen needs to contact me the letter will allow this they have my number and email on file. My goal here is to have a open line of communication and resolve some errors due to mismanagement of my loan and hopefully settle it out of court.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-08
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I suspect Ocwen Loan Servicing and/or its XXXX lawyers are hacking into my computer and email. Ocwen Loan Servicing has been committing years of fraud against me, many attempts to quietly seize my primary residence that I own free and clear. Ocwen Loan Servicing and its crooked litigation XXXX lawyers used fraud upon the court, using forged fabricated documents and robo-witnesses to intentionally send bribing signals to the judge to win its phony case. After the scums bribed the Judge Ocwen 's litigation lawyers quietly added other orders into the Judgment before the Judge signed it, praying it would stick. My investigators found much more of Owens fraud troubles which will be addressed before the court when I file my new XXXX lawsuit. CFPB is responsible for supervising shady Ocwen Loan Servicing, as its license is currently under a monitor due to Ocwen 's ongoing fraud abuse. My investigators will have its final findings report soon. I pray that CFPB takes my matter serious and send in the feds to Ocwen Loan Servicing headquarters gather all the forged fabricated documents in Ocwen 's possession before they attempt shred it and quietly seize my home again. Attached is just one of Ocwen 's cases that a honest none corrupt Judge refused to seal. Ocwen Loan Servicing and its lawyers are XXXX!
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes