Date Received: 2016-12-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Currently there are four separate entities claiming to have standing on my " Note '' or my Deed of Trust. They all want different sums and two have attempted to foreclose on me simultaneously AFTER a complete discharge of the Note in a Chapter XXXX BK which was discharged in XXXX of 2014. Two are reporting on my credit report, two are not. I have sent well over 20 letters to ALL these entities asking them to please provide proof of standing and to date, all they have ever sent me is a copy of my Note and Deed of Trust which I already have. They have cost me XXXX of dollars in litigation fee 's and still to date, no one has come forth with any proof of ownership, and even though ALL mortgage debt was discharged in the bankruptcy, Ocwen and XXXX are still reporting me as owing each of them differing amounts ( $ XXXX & $ XXXX ) while sending me demand letters for over $ XXXX ( Ocwen ) and $ XXXX by XXXX XXXX XXXX. I have sent multiple certified return receipt requests for proof and not a single one of them has complied. I want my NOTE returned as it was discharged and I want the clouded mess on my Deed of Trust cleaned up. And I want them to be overseen by as to their activities whereas I am concerned.
Company Response:
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2017-01-19
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-13
Issue: Customer service/Customer relations
Subissue:
Consumer Complaint: We had a major flood. Insurance check made payable to us and OCWEN ( first mortgage holder ). They have money and told us to have an inspection when we are 35 % done. We did this. They received the inspection report in early XXXX. Ever since we have gotten a run around. Six weeks later the check still has not been sent to us. Our workers have threatened to stop work.
Company Response:
State: CA
Zip: 91361
Submitted Via: Web
Date Sent: 2016-12-14
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We refinanced a loan we had with Ocwen loan servicing and in the payoff statement they included 60 days of interest. Only 39 days of interest were supposed to be charged since they received the payoff funds on XX/XX/2016. I have attempted to get a resolution from Ocwen directly, but they do n't let me talk to a supervisor and they say they need more time to investigate. No one seems to understand how the interest on the mortgage loans works. This was n't an FHA loan for them to charge the complete month of interest.
Company Response:
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2016-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been working with IndyMac turned to Ocwen since XXXX to process a deed-in-lieu on a property I owned. After much back and forth with the banks, my property was finally officially transferred/deed recorded from me to Ocwen in XXXX XXXX. Since then, I have followed up with Ocwen several times to receive a XXXX to file with my taxes. As an aside, they issued a XXXX in error in XXXX. Each time I contact Ocwen about a XXXX, they keep saying that they are still working on my file to close it out. It 's been 17 months since the deed has been transferred to them and I just called the other day and they told me that they were still working on it and may not have it done by the end of XXXX? The Mortgage Forgiveness and Debt Relief Act of XXXX provides a tax exemption for homeowners for " income '' resulting from debt forgiveness related to foreclosures, short sales and principal forgiveness of loans. That Act expires on XXXX XXXX, XXXX and therefore, if Ocwen does not process this deed-in-lieu it would prohibit/exclude me from exercising my protections and rights under that law. I am XXXX XXXX in the United States XXXX XXXX and had to release this property as a result of a permanent change of station as a result of my call to XXXX XXXX. I am serving this nation, and I have tried my best to work with Ocwen to resolve this matter, yet, this issue is not a priority to them since they will benefit from having me not qualify for relief under the law. I would hate to think that they are " sitting '' on my file so that I can not claim relief under the law. If that 's not the reason, they have very inefficient business practices that will ultimately have grave financial repercussions for me. I am disappointed and at my wits end. Once again, Ocwen claimed that they would try to expedite resolve, however after 3 years of going back and forth with Ocwen, I ca n't continue to believe what they tell me. I have filed XXXX XXXX complaints but they have an F rating anyway so that has not worked. I am now reaching out to the CFPB in hopes that you all can help me to get them to simply close out my deed-in-lieu file before XXXX/XXXX/XXXX.
Company Response:
State: MD
Zip: 20879
Submitted Via: Web
Date Sent: 2016-12-13
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I applied for a loan modificaion when I was current on the loan. The current loan rate is 7.25 % interest which I 've had for many years. This is a rental property and I asked Ocwen if they would consider reducing my interest rate as the property is 41 percent owner occupied and one owner owns more than XXXX units. Ocwen offered me a even higher rate and sent me papers to sign if I wanted to proceed. I 've called and email mentioning I did not want their offer at a higher interest rate. Ocwen continues automatically drafting my account the monthly payment however they are placing them in " Suspense '' and charging me late fees. As of today I 'm two month behind in payments as they are holding my payments in Suspense. They also did a hard hit on my credit bureau file which they said they would not do. It appears they have every intention to forclose on my property and I 've tied to talk, reason and make them understand however the communicaiton with these people does not work. I need help getting this cleared up immeaditely. Thanks XXXX XXXX
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2016-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We were approved for a loan modification, but our XX/XX/XXXX statement does not reflect the terms of the loan modification. Statement amount shows a payment due of {$240000.00}, but according to the loan modification XXXX payment due is {$3200.00}. We mailed the loan modification agreement and emailed the documents to our relationship manager on XX/XX/XXXX, but Ocwen sent another set of loan modification documents to our home address on XX/XX/XXXX and requested to have the documents sent back by XX/XX/XXXX. I am unsure why the second set of documents were mailed out.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2016-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been working with my lender Ocwen regarding a loan modification. I have been providing the documentation requested in a timely manner and have been following up once a week to ensure the process is going smoothly. I was told several times that the foreclosure was on hold due to the active review of my file. I then find out that on XX/XX/2016 that my house sold back to the bank. No one ever informed me of this sale date and the trustee 's website in fact stated that it was on hold. My homeowner bill of rights have been completely violated as the sale proceeded during review, I am aware of dual tracking and am not afraid to take legal action.
Company Response:
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2016-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-10
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Received a letter from the lender indicating that my interest only loan will change. I called the lender and I was transfer to a loan officer who ran my credit and application with a wrong social security number. Loan officer fail to provide me disclosures within three business days. A week later follow up and find out that there were not loan in process. Loan officer confirmed that the loan was in progress and the rate was lock for a HARP 30years loan fixed at 4.375 %. Two weeks later he had to retake my application and I was not able to login to review disclosures. When the hard copies arrived I noticed that the social security was wrong. Two weeks later he change the terms without my consent.
Company Response:
State: IL
Zip: 60031
Submitted Via: Web
Date Sent: 2016-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have paid my loan within XXXX days of the due date but the mortgage company has not put the payment to the loan until after XXXX days and then places that I am XXXX to XXXX days late on my payments causing my credit rating to drop and making so I cant refinance and use my guaranteed VA home loan saving us thousands. This is not the first time. We had a problem with the in the past saying we had missed XXXX payments and it was from before they got our loan. I have spoken with OCWEN mortgage a couple times on this matter, they agreed my payments were current and paid within XXXX days but payments not applied until after. That 's not my problem. They payment was made within the XXXX days and needs to be made right on my credit report.
Company Response:
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2016-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Please consider this correspondence to be formal notice that your company has failed to comply with the " Early Intervention '' requirements of XXXX XXXX, XXXX. XXXX CFR XXXX by failing to provide our mutual client with notice of a final date for loss mitigation options. Our mutual client advises that they did not receive the live contact that was required no later than the XXXX day of delinquency pursuant to XXXX XXXX XXXX XXXX a ) and did not receive the written notice of available loss mitigation options required by XXXX CFR XXXX XXXX b ). Please postpone the foreclosure sale scheduled for the aforementioned date, to afford time necessary to comply with these loan servicing requirements.
Company Response:
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2016-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No