Date Received: 2016-12-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I 've been in short sale negotiations with OCWEN for over XXXX months. They have been an absolute nightmare. They will often request the same material multiple times and provide misleading information. Below are the detailed notes. Summary : XX/XX/XXXX Appraiser completed the appraisal at the property. The reason for another appraisal is because the Appraisal that was completed before already expired. So we need to wait for the new appraisal result before they will decide for the {$150000.00} counter offer. XX/XX/XXXX : Called OCWEN and spoke to XXXX via XXXX. He confirmed that there is no foreclosure sale date as of the moment. He said that the Appraisal might receive within this week. Also, he said that I need to send the short sale documents again because it was already expired. The following documents are : Sale contract HUD Listing Agreement Buyers Proof of Funds ( XXXX or XXXX days ) Borrower income documents ( Paystubs XX/XX/2016 ) MLS RMA Non Owner occupancy certificate ( N/A opted for XXXX XXXX I will collect the Documents and send it to XXXX or XXXX it at XXXX. XX/XX/XXXX : Called OCWEN and spoke to XXXX via XXXX. She confirmed that they received the documents that I sent yesterday. It will be rev iewed now. Tomorrow is the schedule of the Negotiator to call us to update about the status of the file. I will keep you posted. XX/XX/XXXX : Called OCWEN and spoke to XXXX via XXXX. He confirmed that there is no foreclosure sale date as of the moment. He said that the file is already on the final review and just waiting for the decision. I will keep you posted. XX/XX/XXXX : XXXX. and spoke to XXXX via XXXX. I told him that I am returning a call because someone called me from their office. He said that is to inform me that the file was already forwarded for the final review. He said to callback by Tuesday to get an update. I will keep you posted. XX/XX/XXXX : Called OCWEN and spoke to XXXX from Short Sale Department via XXXX. He confirmed that there is no foreclosure sale date as of the moment. Also, the XXXX result after the Appraisal is {$180000.00}. The lender is countering the offer at {$180000.00}. XX/XX/XXXX : Called OCWEN and spoke to XXXX via XXXX. She confirmed that there is no foreclosure sale date as of the moment. She said that we need to respond for the counter offer as soon as possible. XX/XX/XXXX : Called back OCWEN via XXXX and spoke to XXXX. She said the reason of the call is to inform us that OCWEN will only accept an offer price of at least {$160000.00} and XXXX lien pay off of {$3600.00}. I will follow up with the Buyers agent if what will be the decision of the Buyer. I will keep you posted. XX/XX/XXXX : Received email from the Buyer 's agent. She said the Buyer will not counter the offer and wo n't pursue a Price Dispute. XX/XX/XXXX : Received call from the Relationship Manager of OCWEN named XXXX. He said that the file is still under review and still has no decision yet. I told him how come the other agents I spoke to said that the lender will counter the offer for {$180000.00} and the minimum amount that you will accept is {$160000.00}. He insisted that he is providing an update for me and that there is no decision yet. So I took his word since he is the Relationship Manager assigned to this file. Also, he said that the new Relationship Manager is XXXX. Around XXXX PM, we received anothe r call from a different representative and his name is XXXX or XXXX. He said that they will close the file for the short sale by Friday if we ca n't counter the offer. I told her that the Buyer wont counter the offer for {$160000.00}. XX/XX/XXXX : I decided to call OCWEN and talk to the manager to know why their company not providing the same information. They lack coordination in their loop. We are doing our
Company Response:
State: CA
Zip: 95133
Submitted Via: Web
Date Sent: 2016-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: I AM PARTLY RESPONSIBLE FOR THE XX/XX/XXXX XXXX XXXX CONSENT ORDER AGAINST OCWEN.THE STATE OF XXXX THEN VOIDED OCWEN 'S PURCHASE OF THE MORTGAGE SERVICING RIGHTS OF XXXX AND XXXX, WHO I HAVE BEEN SUING SINCE XX/XX/XXXX. OCWEN GOT AN UNLAWFUL SUMMARY JUDGMENT RIGHT AFTER THAT IN XXXX XXXX FOR {$450000.00} IN FL. XXXX XXXX XXXX CASE XXXX FILED BANKRUPTCY, ALL " DEBTS '' DISCHARGED, BUT STILL OCWEN TRIES TO FORCE PLACE INSURANCE ON A PHONY " SECURED LIEN '' OCWEN HAS NO LIEN, I RECENTLY SENT YOU A PACKET OF INFO TO ENFORCE THE CONSENT ORDER AND MY CLAIM OF {>= $1,000,000}, DUE TO OCWEN HAVING XXXX YEARS TO CURE BUT THEY HAVE NOT.TODAY I CALLED AND YOUR OPERATORS WERE INCOMPETENT.I WAS FORWARDED TO THE WHISTLEBLOWER DEPT. BUT DISCONNECTED. I NEED SOMEONE IN THE XXXX DEPT TO TALK TO ME AT XXXX, SINCE I AM A PRO SE PLAINTIFF ON THIS ISSUE FOR XXXX YEARS I KNOW PLENTY AND AM DUE {>= $1,000,000}. SOMEONE PERHAPS ON XXXX OF " XXXX. GOT MY INFO, AND I NEED TO TALK TO THEM.THAT WOULD BE XXXX, I RECENTLY SENT OCWEN A DEMAND FOR VALIDATION OF DEBT PURSUANT TO FDCPA # XXXX AND THEY HAVE NOT YET RESPONDED.
Company Response:
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2016-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: i was under the belief i was working on remod with ocwen - in fact the day before in mail i had gotten i request for more documents- and they kept telling me foreclosure date was not set it was still open- because of remod- and i believed them and they lied and foreclosed on house and took.
Company Response:
State: MS
Zip: 39443
Submitted Via: Web
Date Sent: 2016-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This complaint is for Ocwen Loan Servicing. I contacted XXXX XXXX and XXXX today, XXXX XXXX 2016 at XXXX regarding our Note and Deed of Trust. I explained to XXXX XXXX XXXX that fraud has occurred with our Note/Deed of Trust and that both our Note and Deed of Trust has Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX on each document. Each page of the Note and Deed of Trust has what appears to be a loan number at the bottom left side, which is XXXX. XXXX and XXXX XXXX could not find anything within their systems pertaining to a loan. XXXX stated ; call your servicer and ask them the following questions. 1st, please provide the investor loan number for our Note/Deed of Trust. XXXX stated that everyone has an investor number! 2nd, why does our Note and Deed of Trust have the following information? ( NEVADA Single Family-XXXX/XXXX XXXX ) 3rd, if you do not know why XXXX XXXX XXXX is on our Note and Deed of Trust, we request that Ocwen Loan Servicing completes a full investigation and provide us a response! 4th, when we requested in the past for a copy of our Note and Deed of Trust, we expected a certified copy and not a notarized copy or a copy of a copy which is very clear from the stamp at the top right corner that these documents are copies of copies. Why did Ocwen provide us a copy from a copy of our Note and Deed of Trust? We 've been trying to verify that the servicer has the original documents. Without the original Note and Deed of Trust, Ocwen MERS and XXXX Bank can not enforce the copies of our Note and Deed of Trust! 5th, please provide a certified copy from your state recorder 's office of our original Note and our original Deed of Trust! NOTE, in order to get a certified copy from your state recorders office, you must have the original documents! Enclosed is a copy, of a copy of our Note and Deed of Trust that you provided us in the past. Please review the bottom left corner along with the top right corner. We request that your company answer our questions in detail and provide documentation. Please do not have XXXX XXXX from the Ombudsman Office respond to this complaint? If she does, more complaint will be filed since she failed in the past to respond accurately to our complaints. Failure to answer our questions must result in action taken against Ocwen but not limited to the following ; investigation from a federal agency, fines being imposed, loss of business license, court order, criminal charges filed, incarceration, lawsuit, compensation for damages, mental anguish and emotional distress.
Company Response:
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2016-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN Loan Servicing Center, LLC Attn : Escrow Department XXXX, XXXX XXXX RE : Escrow erroneous payment collections & over collecting of funds not disbursed as claimed ( FRAUD ). ACCOUNT # XXXX I have called Ocwen for over 6 months now to correct my escrow account related to my home and it still has not been corrected. Attached you will find documents proving the following. 1. Ocwen is over collecting for property taxed owned annually on the property. The city of XXXX tax Bill is {$2300.00} for XXXX Not {$2900.00}. That 's a difference of {$510.00} that was over collected and missing. 2. See the attached receipt from the City Of XXXX showing that a payment in the amount of {$1200.00} was received on XX/XX/XXXX not the {$1700.00} as reported by Ocwen. Ocwen is not trying to collect an additional {$670.00} for a shortage they claim is owed on my account for XXXX taxes and a shortage for XXXX. 3. According to my records OCWER over collected on the taxes for XXXX and are billing me for XXXX for more than what is actually owed? Ocwen 's records show the taxes are {$2900.00} but in actuality they are only {$2500.00} Again, over collecting for the year XXXX. I am being over charged annually and billed for over payments causing my monthly mortgage to rise annually. I would like a review of my escrow account to be conducted and every penny accounted for. I would like OCWEN To contact the city of XXXX to see why they show a payment of only {$1200.00} being made on my behalf in XXXX from OCWEN but Ocwen report a payment of {$1700.00}. OCWEN needs to find the missing {$420.00} that was not posted to my property tax bill and also not reflecting in my escrow account. This money did n't simply disappear!!! OCWEN needs to adjust my escrow account to reflect the correct annual tax amount to {$2500.00} not {$2900.00} so I am not being over charged and more money disappears. Once the escrow account is reviewed, and all money properly accounted for my escrow account should not reflect a shortage of XXXX at which time I respectfully request my escrow account be closed. I will start to pay my tax bill directly to avoid over charging, lost payments and release myself from what I feel is a completely incompetent escrow accounting system OCWEN partakes in. Please feel free to contact me directly at XXXX or by email at XXXX Sincerely, XXXX Account # XXXX
Company Response:
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2016-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am a victim of an unethical and predatory loan servicer, Ocwen. After years of battling with them it ended up in a court room and an agreement was reached that would allow me to save my home. The agreement required me to make a onetime lump sum payment of {$5200.00} in order to close the deal and I would then resume making regular monthly mortgage payments on my loan. However, after providing Ocwen with the funds they have changed the rules of the game and state that I owe them an ADDITIONAL {$8000.00} in order to pay some other past due fees that were not disclosed ( or clean up bad and shady accounting on their part ). They are holding my modification hostage and I am beyond flabbergasted. I also just became aware that I am being charged an additional $ XXXX in deferred interest. This is not what I agreed to. Although I am grateful that we were finally able to find common ground and reach an agreement that would allow me to have my loan modified, I do not appreciate Ocwen changing the terms after we already have reached agreement and then setting a sale date for XXXX XXXX. The servicing of this loan has been a comedy of errors. The problem began in 2009 -- the financial markets were failing, XXXX had crashed and been bought out by XXXX XXXX XXXX and I received a notice that I had missed my XXXX 2009 payment. I provided proof of the payment and continued making payments, but instead of fixing the problem XXXX escalated the matter, refused to give me credit and filed a lis pendens and put me into foreclosure. I tried to resolve the matter but found it impossible to deal with XXXX or the infamous Law Office of XXXX XXXX ( shut down by Florida XXXX ) and could make no progress towards resolving this matter. The loan was transferred to Ocwen, and they tried to move forward with the foreclosure I began requesting documentation and discovered significant irregularities relating to the backdating of documents, altered ledgers, documents that are cut and paste, figures that do n't match, homeowner 's insurance that is paid by XXXX different entities in the same month etc. etc. My Attorney and I were able to raise these issues and prove that XXXX and Ocwen had engaged in unethical and deceptive servicing practices. That is how we were able to finally come to settlement, because Ocwen did not want their business practices publicized through a legal precedent, and because I wanted to save my home. I never thought that they would renege on the terms of the agreement and demand a larger down payment in order to close on the modification. I also do not agree with or consent to the addition of $ XXXX in deferred interest. This figure is not accurate, this was proven in the documents filed with the court. Again, I appreciate the fact that Ocwen is willing to work with me and that a resolution was provided. However, after the fact Ocwen has changed the rules of the game. This is a XXXX XXXX owned loan, and there are specific assistance programs available for me through XXXX XXXX as well as XXXX or in house Ocwen programs. I am not happy, nor do I agree to a down payment of more than {$5200.00} in order to enter into the modification. I am not happy about, nor do I agree to a deferred balance of $ XXXX that is due as a balloon at the end of the loan term. I am not happy about, nor do I agree that 3.875 % should be the rate for this modification. I am not happy nor do I agree to an escrow account. I do n't want to go back into litigation, I want Ocwen to honor the original initial contribution figure that was agreed to.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2016-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I 'm filing a complaint against my mortgage servicer Ocwen Loan Servicing ( OLS ), due to a multitude of violations to the U.S. bankruptcy code. This gross negligence is consistent with payment misapplication, post-petition payment disbursements received from the US Bankruptcy Trustee in case # XXXX.This neglect has resulted in my mortgage account being in sever delinquency and in danger of being foreclosed upon shortly. The problem began when my husband and i started falling behind on payments OLS, refused to modify the loan or offer any options in which to keep our home.. In order to avoid foreclosure in XX/XX/XXXX, my husband and I filed for chapter XXXX bankruptcy. This process was completed with and approved bankruptcy plan ( BK Plan ), which provided all of our creditors to be paid back as well as we could retain possession of our home. My husband paid bi-weekly payments in the amount of {$380.00} faithfully from XX/XX/XXXX through XX/XX/XXXX. The total amount paid into our BK Plan, was {$19000.00}. **SEE EXHIBIT A - XXXX BANKRUPTCY ( CLAIM REPORT ) DATED XX/XX/XXXX THRU XX/XX/XXXX Of this amount my BK claim report reflects that OLS was paid {$8300.00} in all. However OLS 's, accounting for our disbursements and payments applied during our active bankruptcy plan ; between the span of XX/XX/XXXX through XX/XX/XXXX total only {$5100.00} The OLS accounting only reflect 9 payments having been applied to my account as follows : {$830.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$260.00} -- XX/XX/XXXX {$850.00} -- XX/XX/XXXX {$570.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$420.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX Total {$5100.00} Furthermore, I feel there is money that is still unaccounted for and this needs to be fixed. This account should not be as far behind as it stands, which is currently 35 payments past due, with a substantially large outstanding balance of {$23.00}XXXX. My family is prepared to file a civil lawsuit in U.S. Federal court regarding creditor abuse if this matter is not cured at once. I demand that all foreclosure activity remain halted until this matter has received acceptable attention.
Company Response:
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2016-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing , LLC has had control of our HELOC since GMAC went out of business. With XXXX years left on the loan, they have multiplied the amount due each month by 800 % in addition to increasing the interest rate. That is bad enough, but we can live with that. However, the payments are due on the XXXX of each month, with a XXXX day grace period to pay. Because we are educators, our paychecks are direct deposited on the first of every month, so we schedule payments on the XXXX of each month. ( this is within their " grace '' period. But we still receive past due notices that are automatically generated on the first of every month. Ocwen states that they have " no provision '' to change the payment due date. This is ridiculous- credit card companies do this on a regular basis without a problem. As a result of their incompetence, our credit scores have been plummeting due to " lack of recent installment loan information. '' We make the payment that is due each month and we do so within the given time frame. This is yet another indication of Ocwen 's shady business practices.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen is continuing to update on my credit report for an account that was included in my bankruptcy. By law after a discharged bankruptcy they are not to update and damage credit.
Company Response:
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2016-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-07
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: A brief history. I am a victim of mortgage fraud and still in federal court because I found fraud on the court. This fraud on the court allowed me to stay in the XXXX XXXX. But as ProSe I made some mistakes. Now XXXX years later I am back at the Supreme Court and need your help. Attached to this email is a letter from Supreme Court telling me my appeal must be properly brought before the court dated XX/XX/2016. Also attached a timely filed brief by me that was restricted from the public with proof of XXXX on the XXXX and Certified Mail XXXX XXXX and lower court certified docket sheet. Also I never signed for any type of home improvement, cash advance or to pay taxes. It was suppose to be a simple refinance for {$59000.00} If you could give me the contact information again by phone or email a great service is done. Thanking you in advance. You can call or email me anytime. This is to important and time sensitive. XXXX XXXX XXXX
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2016-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No