Date Received: 2016-10-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We were Issued a Loan Modification by OCWEN, we made XXXX payments and they would not accept the XXXX payment because we have solar panels from XXXX XXXX XXXX which is current ... Our attorneys refiled a mod package and we were offered a payment that was XXXX More they OCWEN defaulted on original aggreement. what can be done about this this new amount is totally unrealistic.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2016-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I owe payments for XXXX, XXXX and XXXX. I offered to pay {$1300.00}, which is a payment and a Extra {$350.00}. I explained to them, I could pay this each month until caught up. They are refusing to take my payments. Agent I.D . number is XXXX, who refused. I told her I aould mail it in she said they want post it. I have been asking for help since XXXX, when my husband went out of work for over 30 days, due to XXXX. He is back to work now.
Company Response:
State: SC
Zip: 29170
Submitted Via: Web
Date Sent: 2016-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicer for XXXX XXXX, refused to honor the mortgage modification agreement that I entered into with XXXX XXXX. Instead they filed a complaint to foreclose on my home. Despite me repeatedly telling them that I had a modification, they ignored me. Now my home has been foreclosed on and sold at a sheriff 's sale. When I told the court that I did not receive notice of the sale, the bank is saying that they need only show that they mailed me the notice. I legitimately had problems receiving mail at my home. But the real issue is that I should never have been in court, because, I already had a modification agreement that was not honored by Ocwen and XXXX XXXX. Then once I complained, they tried to get me to sign another modification agreement with different terms.
Company Response:
State: IL
Zip: 60439
Submitted Via: Web
Date Sent: 2016-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-31
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I financed my house in XXXX of XXXX with a balloon payment. I refinanced the mortgage in XXXX with a fixed rate. I went to refinance my mortgage at a much lower interest rate in XXXX of XXXX. We ran into a problem of the original mortgage not having been released. Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX is the company that has been servicing the original and current mortgage but have not responded in a timely manner to fix the problem with the mortgage not being released. It has now been 3 months without the situation with the non released mortgage being resolved. This is costing me out of my pocket extra interest on the current loan that I would be saving by completing the refinance.
Company Response:
State: IN
Zip: 476XX
Submitted Via: Web
Date Sent: 2016-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: There was a tradeline on a 2011 XXXX credit Report from " GMAC XXXX '' I never had a mortgage with GMAC. I called a number for what I thought was GMAC and was told it was Ocwen and that they had just bought out GMAC. The person I spoke to asked me if I had a mortgage go into foreclosure. I told them I had not, but there was possibly a mortgage in foreclosure on a relative 's house who had died, but the loan was not in my name. He claimed to have nothing under my name, SS number or that of my relative 's. He could not explain why MY credit was pulled then. He suggested I send a copy of my credit report with the inquiry on it. The address I was given is similar to another address for a XXXX account that was an another of my credit reports, also not mine. I never sent it because something just did not sit right with me over this situation. I called another day and was told it had something to do with a checking account-not clear what it was. I have on my notes " XXXX XXXX '' and " XXXX XXXX '' but not sure who they are-reps maybe? Was also told to call XXXX XXXX-they were of no help either. The address on the inquiry is GMAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA I put down GMAC as the property address because I do not know the property address.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2016-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a XXXX loan with Ocwen Loan Servicing. Back in XX/XX/XXXX, I applied for a loan modification and refused the offer. I did not send the paperwork back nor did I agree to the terms verbally. I continued to make my payments every month in the amount of XXXX. After I told them that I was trying to refinance my loan, the company begin an harassment everyone month, when they did not receive my payment after the XXXX day of the month. The company held my XX/XX/XXXX payment because they said that I was on the loan modification program and I continued to tell them that I have never accepted so, they withheld my payment and did not post to my account and reported to the credit bureau that I was late so, now my credit has dropped points due to their mistake and their retaliation against something that I would not agree to them. This company is a very dishonest company and they are bullying their customers and will take any measure to have them stay with their company. I am requesting that they fix my the credit report to credit bureau 's all three immediately. They have no grounds of reporting negative data to the credit bureau if they do n't receive the payment within the 31 days of when the loan is due. I have bank statements that track my loan and they have the loan payments in the system that have these documents as well. Last, I would like for them to decrease my interest rate to 2 % for the remainder of the loan.
Company Response:
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2016-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I send the Demand Under FDCPA and request Immediate Stay of Sale to Ocwen Loan Servicing , LLC and their Trustee XXXX. They completely ignored to answer all my questions and continue foreclosure on my house. I did submit the loan modification email and fax to OCWEN on XXXX XXXX, XXXX, XXXX business days before the scheduled foreclosure sale date : XXXX XXXX, XXXX. On Ocwen Loan Servicing , LLC Request for Mortgage Assistance / Hardship Affidavit : Dear Borrower, If you are facing financial difficulties, you are not alone. We are here to help you. No matter what your situation, you may have options. We offer multiple solutions to help you through difficult times, including, but not limited to, the Home Affordable Modification Program ( HAMP ) and Home Affordable Foreclosure Alternative Program ( HAFA ). We also offer our own modification options and foreclosure alternatives. Please note, the options available to you may vary due to the requirements of the owner of your loan. The table below outlines the variety of solutions available. We encourage you to complete and return the enclosed Request for Mortgage Assistance ( RMA ) / Hardship Affidavit application. The sooner you apply, the sooner we can help. If Your Loan is in Foreclosure A Complete Application includes all required forms and ALL requested documentation. NOTE TO BORROWERS WITH A FORECLOSURE SALE SCHEDULED IN THE NEXT 37 DAYS : If we receive your Complete Application for modification* at least 7 business days before a scheduled foreclosure sale date, we will not complete the foreclosure action until we review and decision your application. But Ocwen continued foreclosure my house. The New Mortgage Foreclosure Laws that take effect XXXX XXXX, XXXX : 2. Review of Foreclosure Documents ( Civil Code XXXX ) Before commencing foreclosure, a mortgage servicer is required to review competent and reliable evidence to substantiate the borrower 's default and its right to foreclose. In addition, every recorded declaration, affidavit, NOD, NOS, assignment, and substitution of trustee must be accurate and complete, and supported by competent and reliable evidence. This provision does not sunset. 3. Prohibition on Dual Tracking ( Civil Code XXXX, XXXX ( Section XXXX ) and XXXX ( Section XXXX ) ) A mortgage servicer is prohibited from commencing or continuing the foreclosure process while a completed loan modification application submitted by a borrower is pending, until ( 1 ) the mortgage servicer makes a written determination that the borrower is not eligible for a loan modification and any appeal period has expired ; ( 2 ) the borrower does not accept a loan modification offer within 14 days of the offer ; or ( 3 ) the borrower accepts a loan modification offer, but defaults or breaches the terms. Additionally, a mortgage servicer is prohibited from commencing or continuing the foreclosure process if a borrower is in compliance with the terms of an approved foreclosure prevention alternative, or if a foreclosure prevention alternative has been approved by all parties and proof of financing has been provided to the servicer. 4. Damages ( Civil XXXX XXXX ) Prior to a trustee 's sale, a borrower may bring an injunctive action against a mortgage servicer for a material violation of Civil Code Sections XXXX ( borrower outreach and declaration of contact or due diligence ), XXXX ( review of foreclosure documents ), or XXXX ( dual track prohibition ).
Company Response:
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2016-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My wife and I purchased our home at XXXX XXXX XXXX way XXXX, Arizona in XXXX of XXXX, being young parents we were excited to have been able to accomplish this goal. All was going perfect until around XXXX of XXXX, when our only family vehicle was stolen, at this point we missed a mortgage payment and planned to catch up as soon as possible. Regrettably in XXXX of XXXX we fell behind by 1 more payment due to some unplanned expenses. Still attempting to bring our loan current and keep our house while also minimizing damage to our credit we made sure the loan did not go past 59 days delinquent. Around XXXX of XXXX we received a letter from the lender advising that we needed to bring the loan fully current by making a full payment exceeding {$1700.00} dollars. They advised if we did not pay the full amount they would refuse our future payments. I did not know they could do this and at that point I called them and told them they could not, at which point they advised me they could. So I consulted family to see if they could help which they could not so the only option was to stop paying and plan for the worst. Around XXXX of XXXX we had received written and oral communication about a loan modification being offered to us as part of the making homes affordable program. As part of the program we were advised to make trial payments in the amount of {$600.00} which as agreed we did, this can be verified by reviewing the payment history letter Ocwen sent us on XXXX XXXX XXXX. We also to be safe made sure that when we had to sign and return forms we put them with our checks and mailed them together in the same envelope. During the trial period we received a letter, the letter advised us that the loan modification was cancelled as the bank did not receive the final signatures agreeing to the loan modification. I called the bank and requested an appeal immediately, pleading with them to review the issue advising that we sent everything requested and asking them logical questions like if I did not want to comply why did I send the loan modification payments as agreed. I also advised them that the signatures were with the checks sent to them. I was told that at that point no appeal would be allowed and that the house would go to a foreclosure auction in XXXX of XXXX. Having no funds for an attorney I thought hope was lost until I met a lady recently who advised me to start a complaint with the Arizona attorney general 's office, which brings us to this point. I am humbly requesting as a husband and father of XXXX kids who depend on me for your help in righting this great wrong.
Company Response:
State: AZ
Zip: 85388
Submitted Via: Web
Date Sent: 2016-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN Loan Servicing is so messed up that they sold our home, AFTER they contacted their attorney to stop the sale of our house!!!! OCWEN contacted their foreclosure attorney to stop the sale of our home on XXXX XXXX, 2016, but the foreclosure attorney failed to contact the Sheriff and our house sold. We had no idea that there was a sale on our home, as OCWEN placed the sale date on our home nine days before it sold. We are confused and VERY UPSET because OCWEN wanted to stop the sale, but either OCWEN or their attorney screwed up and we are paying the ultimate price. My husband and I even had an appointment with our OCWEN Case Manager on XXXX XXXX, 2016 to discuss what kind of workout option our loan would be reviewed for assistance options ; seven days after the sale! The right hand does n't know what the left hand is doing at OCWEN and it is costing us our lives. The foreclosure attorney is willing to revert the sale, but OCWEN just decided yesterday that they will not revert the sale!!! We will be homeless now and it is n't fair. OCWEN was fined {$2.00} XXXX a few years ago for what they did to AMERICAN homeowners, but they continue to take homes away from us, apparently without recourse. When my representative contacted OCWEN on the day of the sale, he spoke with an Escalation Manager with OCWEN named XXXX ( employee # XXXX ) who said that OCWEN sent the request to postpone to two separate emails at the foreclosure attorney 's law firm ( XXXXXXXXXXXX and XXXXXXXXXXXX ), but the attorney did not contact the sheriff in time. Clearly OCWEN and their attorney do not have the communication in place to ensure homes do not get sold! When asked when OCWEN decided to stop the sale, XXXX said the notes do not make sense and he can not tell when the sale was postponed internally. XXXX said that if the sale goes on and it goes back to OCWEN, it is possible for them to rescind the sale. After the sale occurred, we contacted OCWEN, but they only gave us two numbers to leave a message on and we were told that OCWEN would decide what happens and we had no say in the process. Well, they cold-heartedly decided that the sale is going to stand and that we have to be out of our home. When we asked if we could appeal the decision, they gave us 48 hours, but they mailed the appeal form and we will not receive it until after the deadline passes. PLEASE STOP OCWEN FROM ILLEGALLY STEALING OUR HOME!!!! They wanted it stopped and the property went back to them, so they can just give it back. HOW CAN THEY BE THE JUDGE, JURY AND EXECUTIONER and throw us into the streets?!?
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2016-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received a flyer in the mail stating that Ocwen was part of a {$2.00} XXXX settlement. I have a mortgage with Ocwen on my secondary lake home at XXXX XXXX in Oklahoma. I contacted the XXXX number as was told since XXXX owned my asset and that they were exempted from the standard Mortgage banking rules, that I had to default on our monthly payment to be recognized for the reduced rate. I do not believe this is true. Please confirm.
Company Response:
State: OK
Zip: 74137
Submitted Via: Web
Date Sent: 2016-10-28
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No