Date Received: 2017-01-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX. I send in my information about my mortgage and how XXXX XXXX and Ocwen is doing Fraud on my mortgage. I never heard back for consumer Financial If you find any thing that can help me save my home. my number is XXXX have about month before I 'm on the street
Company Response:
State: IL
Zip: 62226
Submitted Via: Web
Date Sent: 2017-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-23
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I bought a home from GMAC it was a foreclosure property, IT WAS NEVER DISCLOSED that the property had mineral rights, its almost impossible to get a chain of rights. The bank has that information because they mortgaged it originally with the rights, at the sale and on the deed they made an exception to oil and gas. Since it was never disclosed that their was mineral rights I did not object. If I was informed of the fact I would have paid more or not purchased the property. NON DISCLOSURE FORM MATERIAL GAIN. I am a senior and feel very taken advantage of!!!
Company Response:
State: CO
Zip: 80516
Submitted Via: Web
Date Sent: 2017-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX I mailed Qualified Written Request to Ocwen Loan Servicing , LLC, which was received on XXXX XXXX, XXXX. The Servicer did not acknowledgemy QWR request by letter within FIVE ( 5 ) days and I am assuming that it will also not respond. For that reason, I would like you to submit my complaint with my QWR request to my servicer as soon as possible.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2017-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Starting around XXXX, my house was unlawfully foreclosed on, without my knowledge, as I was never lawfully served. I was made aware by an advertisement I received in or around XXXX XXXX. NONBANK Ocwen Loan Servicing, a Florida corporation the has no license posted on its website to operate in New Jersey and with whom I never had a contract, and its attorneys, was escorted through the XXXX XXXX, NJ XXXX XXXX and New Jersey State XXXX court behind my back. Through backdoor dealings with corrupt Sheriff XXXX XXXX of XXXX XXXX, and unlawful sale od my private property occurred inXXXX, at which time the Federal government had frozen all of Ocwen 's mortgages and they " would not foreclose '' per their own website. On XXXX XXXX, a vicious assault occurred against me that also affected my neighbors, family and pets. XXXX 's office literally threw me out of my private property and destroyed all my furniture and destroyed nearly all of my personal possessions. My property was being thrown out own front of me and I was not permitted to take anything after the initial 15 minute process. Deputy Sheriff XXXX, who coincidentally has the same last name as the representative of the moving company, forced his way into my home under the hammering threat of arrest without providing me a warrant or signed court order. As a result, several of my pets were XXXX and my family and neighbors traumatized and/or were threatened by arrest. This rendered my homeless and with very little possessions. In the past year, I made several court filings in XXXX XXXX, the State of New Jersey and the New Jersey XXXX XXXX. I have involved the US DOJ, and on its request, the FBI now has a file on my situation. I 've also brought this to the attention several NJ XXXX and XXXX. I received a letter from Ocwen Financial, dated XXXX XXXX, XXXX -- 22 days after my unlawful eviction and unlawful search and seizure of my home by corrupt Sheriff XXXX 's office under hammering aggressiveness threat of arrest by Deputy XXXX. ( XXXX is also the last name of the Moving company 's rep. XXXX? Organized crime? ). Ocwen was the Plaintiff in this unlawful foreclosure. The letter stated that they sold my [ fraudulent ] mortgage to XXXX XXXX Loans in XXXX XXXX. So they " could not assist me at this time. '' They had no proof of contract. That is because a contract never existed, a fact on which I have stood firmly throughout this unlawful process. The Plaintiff has the burden of proof and this proof was NEVER presented to the courts ; yet, they allowed this NONBANK [ as referred to by the XXXX, XXXX, etc ] Ocwen Loan servicing, a debt collector, to proceed and acquire a mountain of fraud-based documents against me. Additionally, if the [ fraudulent ] mortgage was sold in XXXX XXXX, how could they remain the Plaintiff for an unlawful sale of my private property in XXXX of XXXX? This unlawful Sheriff sale occurred while the Federal Government had frozen all of Ocwen 's foreclosures and Ocwen " would not foreclose '' per their own web site. Ocwen is a Florida Corporation that does not post a license to operate in New Jersey, as they do with other states and is required by XXXX XXXX. I have involved several entities from the FBI to the XXXX, several media agencies, politicians and attorneys. I also am building a suit against a moving company and storage facility that knowingly breeched its own contract and policies on three counts, as almost everything I own was damaged, stolen or missing. The perpetrators of this brutal assault against me have gone unpunished and I am suffering a great deal of trauma from their crimes. This heinous crime against me must be corrected. I am checking " Problems when you are unable to pay. '' below, though this is not the case. I had to check some thing to submit the form, but none applied.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2017-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XX/XX/XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had XXXX mortgages : the first with OCWEN, the second with XXXX. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure ( DIL ), which OCWEN granted, provided I clear the lien with XXXX. On XX/XX/XXXX I was able to provide OCWEN with an acceptable Settlement Agreement from XXXX so that OCWEN could settle the second lien. That Settlement Agreement expires on XX/XX/XXXX. OCWEN sent me a DIL packet, which I returned on XX/XX/XXXX. On XX/XX/XXXX, I called OCWEN for a status update and was informed that my DIL application had already been denied ( as of XX/XX/XXXX ) because an entity in the chain of mortgage servicers, namely XXXX Mortgage, was out of business and presumably might still have an interest in the property. Upon digging through my document archives, I discovered that XXXX Mortgage had initiated a loan with me, which it transferred to GMAC Bank on XX/XX/XXXX. Per common knowledge, GMAC subsequently went out of business and OCWEN purchased its loans. So, the point here is that OCWEN had denied my application because it failed to recognize that XXXX Mortgage was a servicer on the very loan that OCWEN is now servicing! I provided OCWEN with supporting documentation on XX/XX/XXXX and informed OCWEN of the situation. Since my request had been denied, I had to wait for an OCWEN agent to be assigned back on to my request. I have reminded OCWEN multiple times that my Settlement Agreement with XXXX expires on XX/XX/XXXX. I have requested several times that OCWEN expedite this DIL. My Settlement Agreement with XXXX is about to expire and I do n't think that OCWEN is working in good faith on my request. In my most recent interaction with OCWEN on XX/XX/XXXX I was informed that I may have to extend my agreement with XXXX because no guarantees can be made about the speed at which OCWEN can operate.
Company Response:
State: TX
Zip: 78250
Submitted Via: Web
Date Sent: 2017-01-20
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen Loan Servicing has not processed my loan modification and is basically blaming me for the delinquency, stating that they did n't get documents. This would be my second time using them for a first loan modification. I had sent my new application to them in XXXX timeframe. I had decided to go with back with them since it was a pretty smooth process the first time. This time has been a complete fiasco. They sent me a letter stating that my loan modification had been approved XXXX/XXXX/2016, subject to information ( one form ) that was faxed to them on XXXX/XXXX/16. A Delinquency Letter was sent XXXX/XXXX/16. After that, a letter a month came with a new issues every time. After speaking to them on various occasions, they stated that there was nothing to worry about, all of this is was standard procedure for loan processing. However, like I said previously my loan had already been processed and was approved. As the mortgage statements came I continued to pay the amount stated as my modification. Then they sent me a letter stating that my application was n't complete in XXXX 2016, the document missing was a tax form. We sent the document that they requested four different times as you will see from the faxes. They also had left out the information that was needed on the tax form and by the third time sending it then asked for a letter of clarification. The main problem was that they took an IRS form and made it theirs ( which was illegible on their part ) I ended up downloading the form directly from the IRS site. After they said the form was legible they said they would reprocess my application which had already been approved in XXXX. It has been an on going battle. They said my loan should be completed by XXXX XXXX and scheduled a conference call for the XXXX. Prior to that they sent a letter stating that they had not gotten a response from the third party loan ... On the call on the XXXX then stated the application was with the underwriters and would still have to get word from the third party loan. Ocwen went on to give info from help if loan does n't go thru ... What?????? Please review all attached documents to help settle my compliant. I am XXXX and do n't want to lose my home to foreclosure.
Company Response:
State: CA
Zip: 92308
Submitted Via: Web
Date Sent: 2017-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing raised additional questions! Ocwen Loan Servicing responded to our previous complaint in writing dated XXXX XXXX XXXX. The facts are ; Ocwen Loan Servicing mishandled our account, failed to report accurately to all the credit bureaus per documentation. Ocwen stated in paragraph XXXX, " as previously advised to you, when a dispute is received regarding an account from a regulatory agency such as the CFPB, Ocwen is required to cease credit reporting for the duration of the review. As there were open disputes regarding the above referenced account in the month of XXXX XXXX, no payment history was reported ''. Per federal law, Fair Credit Reporting Act 15 USC 1681 and Nevada law, XXXX XXXX, all companies reporting to credit bureaus must report accurately. When companies report to the credit bureaus, " no payment history reported '' this violates federal and state laws! Also, no where within these laws does it state that the creditor ( Ocwen ) must cease credit reporting for the duration of the review. Per, E-regulations 12 CFR part 1002 does not state either that the creditor must cease credit reporting for the duration of the review. I believe that this is Ocwen Loan Servicing policy which does not supersede federal and state laws! By Ocwen Failing to report accurately, Ocwen caused us to be turned down for an auto loan approximately two years ago. This has been an ongoing issue with Ocwen Loan Servicing! " Please review the other credit reporting complaints filed against Ocwen with the CFPB ''! Also, I requested Ocwen not to allow XXXX XXXX from the Ombudsman office to respond to my inquiries now or in the future due to her failing to provide the information that we were seeking. As you can see, Ocwen Ombudsman office failed to comply with our requests. Please provide the following question below in writing! First, we request to know if Ocwen Loan Servicing has this policy to cease credit reporting for the duration of the review? Second, if not, please provide the state or federal law that requires companies to cease credit reporting during an investigation from a regulatory agency! If Ocwen Loan Servicing fails to comply with our requests, Ocwen must be held accountable for their actions including but not limited to the following ; an investigation from federal and state agencies, media complaints, social media complaints, court order, fines being imposed, loss of business license, criminal charges filed, lawsuit, damages, compensation!
Company Response:
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2017-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have had many issues with Ocwen applying charges to my mortgage. The most recent one is from XX/XX/2016 they stated that they paid my utilities. All utilities have been paid by me and have proof of statements that have been mailed to me and payed by me. This is not the first time that Ocwen has charged me for utilities that were paid on my behalf to the utility company. I have called XXXX and both have stated that statements get mailed to me not the mortgage company. Previously I have double paid these bills to Ocwen because they offer no additional information.
Company Response:
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2017-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-20
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I am filing this complaint regarding Ocwen Loan Servicing , LLC, promising in writing {$2000.00} for cash for keys, on my foreclosed property in New Mexico. The foreclosed property 's address is XXXX XXXX XXXX # XXXX, XXXX XXXX , NM XXXX. The property is now vacant.
Company Response:
State: NV
Zip: 897XX
Submitted Via: Web
Date Sent: 2017-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen reports that I own them {$3400.00} in " Past Due Payments ''. History recorded below : INDYMAC sold my mortgage to Ocwen in XXXX 2014. INDYMAC told me to send my check to Ocwen, which I did on XXXX XXXX, 2014. Ocwen sends me my next statement dated XXXX XXXX, 2014, telling me my mortgage payment is due XXXX XXXX, 2014. I call Ocwen, and they just tell me the due date can not be negotiated, and that my next payment is due on that date. I sent a certified letter, no response. I tried several more times, but no response. I have been late ever since. There was no way I could turn another mortgage payment around in 2 weeks.
Company Response:
State: TX
Zip: 76240
Submitted Via: Web
Date Sent: 2017-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No