Date Received: 2016-10-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have filled out loan modification paperwork with Ocwen Loan on numerous occasions, trying to get my mortgage modified. I am upside down on the mortgage and have been having problems making payments. Every time that I fill out the paperwork and send it in, they always send me a letter back stating that " IRS Form XXXX needs to be resent ''. I keep sending it back in, only to get a letter back stating I need to resend it again. Is this their way of not wanting to do a modification and think that after time, I will get tired of constantly sending this in?
Company Response:
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2016-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Attempted to work with Ocwen Loan Servicing for a loan modification while on XXXX due to injury at work. Months in, i have sent every shred of evidence that i have and they keep playing games. They will never accept it and now the window is closing in 3 days. I even got a letter from work and still nothing is good enough. Every rep that call does 0 homework and reads off the same script every time.
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2016-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-25
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This is a mortgage loan over 10 years and they still have it active. the home was foreclosed on by the homeowners association which I no longer have the property but they still call to pursue payment. saying that i still have the property I spoke with someone there they told me show them documents that the homeowners accumulated the property and they should Release Me From This death and they not have done so I went back got all the documents and email them and they did n't live up to the word.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2016-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: bogus charges added to payoff. my loan is current so i 'm not sure why i 'm being charged {$950.00} for civil litigation??? i also recently ordered a payoff and was charged {$30.00}. At NO point during ordering said payoff was i advised of ANY fee. I also was charged {$13.00} for a satisfaction cost? i 'm not sure what 's been satisfied???
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2016-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX XXXX, violation to ( Missouri Revised Statutes Chapter XXXX and Chapter XXXX ) Illegal foreclosure under Missouri State foreclosure laws and procedures. May this written grievance serve as a demand for immediate action within Ocwen, in regards to an illegal attempt at foreclosure sale of the property of homeowner XXXX XXXX XXXX.It is a fact that XXXX XXXX XXXX ( XXXX ), has failed to perform the following actions under the non-judicial Power of Sale Notice and Requirements under Missouri State foreclosure laws and procedures. These violations are consistent with no publications indicating an auction sale date, time, location or the property in any of the local papers for XXXX, MO. The XXXX local newspaper publications ' would be " XXXX '' and " XXXX XXXX ''. The auction date time location and property description publications, are required to be run for 20 days leading up to the date of sale. Secondly, there has been no certified nor registered mail to XXXX in regards to a pending sale date on his property. The 20 day publication notice of sale is supposed to be also time lined ,20 days from the date of proof of service of notice of sale ; which XXXX never received. Furthermore, this property is still pending a litigation matter with and active case number of XXXX XXXX XXXX. Your client Ocwen Loan Servicing is also still party to the mention lawsuit as well. We are seeking an immediate halt to the sale date pending for XXXX XXXX, 2016. Otherwise a civil suit will be filed in Missouri XXXX court regarding this matter with request for punitive damages. Additionally, the notice of sale attached was received via regular mail on XXXX XXXX, 2016, which is in violation and has given XXXX less than 15 days to prepare for his defense and is in violation to his legal due process.
Company Response:
State: MO
Zip: 64052
Submitted Via: Web
Date Sent: 2016-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage has been paid in full to this company and they are telling 6 months before the lien is released. I need this lien released immediately. I have another bank that I refinanced through that has to place the lien on the property. I have kept calling and keep getting told its " in process. '' No one is helping get this lien released.
Company Response:
State: MO
Zip: 637XX
Submitted Via: Web
Date Sent: 2016-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is the third year in a row that I 've had to contact Consumer Financial Protection Bureau regarding my mortgage company, Ocwen Loan Servicing , LLC . I 've spent hours on the phone over the past month with Ocwen and have spoken with no less than XXXX representatives between their " customer care dept '' and their insurance dept. Every year my husband and I have to provide proof of our flood policy for our condominium. We do n't escrow for taxes and insurance, we pay our own taxes and the insurance is paid through our condo association. Ocwen is trying to collect monies from us for lender placed flood. The biggest and most concerning issue is each time I 've called Ocwen over the past 4 weeks, they 've changed their story about what they 're asking for. My first call on XXXX/XXXX/XXXX was because Ocwen added {$460.00} in escrow to our mortgage statement. I spoke with XXXX, agent # XXXX, in customer care, she pulled the insurance dept into the call and got XXXX on the line who told me they required unit XXXX flood on the property. I informed her that the XXXX master policy, by laws and original mortgage note with GMAC did not require an XXXX therefore Ocwen could n't just decide they require it. The customer care rep, XXXX verified the original GMAC Mortgage note did n't require it and Ocwen has to abide by that. I called back again on XXXX/XXXX/XXXX and spoke with XXXX, agent # XXXX and XXXX in the insurance dept. I explained my call a week prior and XXXX told me she did n't see ANYTHING about an XXXX policy requirement and that Ocwen placed the lender placed flood because they did n't have the flood declarations page from XXXX ( which is the 12 month period our policy runs ). I asked her why Ocwen was just getting around to escrowing for it in XXXX XXXX and she could n't explain it. I took a picture of the requested XXXX page, and loaded it onto their website www.mycoverageinfo.com. XXXX called me back an hour later and left me a voicemail, which I have, that states she received the requested XXXX page and would request the escrow be removed from my account. I called a third time on XXXX/XXXX/XXXX and spoke with agent # XXXX ( could n't understand his name ) and he proceeded to tell me the issue was they did n't have proof of flood from XXXX XXXX/XXXX/XXXX, which does n't make sense because 1. ) my policy runs XXXX XXXX to XXXX XXXX, and 2. ) I have a voicemail acknowledging receipt of XXXX page XXXX ... does n't XXXX XXXX, XXXX fall within that time frame?! and 3. ) why did they add the escrow to our account XXXX XXXX if they placed lender placed flood in XXXX XXXX??!!!! He transferred me to XXXX in insurance and she did n't show ANYTHING about XXXX. I made my XXXX call to Ocwen insurance on XXXX/XXXX/XXXX and spoke with XXXX XXXX and she confirmed a refund was issued on XXXX/XXXX/XXXX, but did n't know the amount. I made me XXXX and final call to Ocwen today, XXXX/XXXX/XXXX, spoke with XXXX, agent # XXXX, he told me the account was past due, which it is n't and proceeded to tell me I owe for the amount of the lender placed flood from XXXX, I asked for a supervisor because I have no patience for stupidity anymore. He transferred me to XXXX, agent # XXXX, she again told me I owed for the amount of money Ocwen paid out for lender placed flood for XXXX. I informed her that it is n't my problem if Ocwen ca n't process a XXXX page the first time they got it back in XXXX XXXX AND if they 're too incompetent to realize the XXXX page policy is for XXXX XXXX/XXXX/XXXX and XXXX falls within that year. The XXXX XXXX page was sent to them timely and probably sent another 5 times to be sure they 've received it due to their incompetence. I ended my call by telling supervisor XXXX that I would be contacting Consumer Financial Protection Bureau. I 'm done wasting my time.
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2016-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We are attempting short sale for loan # XXXX. Ocwen has been uncooperative. I have been advised that the account is currently with XXXX XXXX and was provided a phone number of XXXX, ext. XXXX. This is not a working extension. I have attempted to use the dial by name directory and there is no one with the name XXXX XXXX in the directory. I contact Ocwen customer service ( XXXX ), twice I spoke with Representative ID # XXXX ( XXXX? ), the first time he transferred me to the short sale department, I hit " XXXX '' to speak with the operator and the call immediately disconnected. The second time ( both occurrences on XXXX/XXXX/16 ) I was placed on hold for 15 minutes, then transferred to a line that rang for 10 minutes, then disconnected. We will be contacting an attorney to assist further as this level of non-communication is completely unacceptable.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2016-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing , LLC has requested a copy of my current full credit report. The credit report I 'm sending was pulled through the Federal Trade Commission which directed me to XXXX. I pulled the XXXX full report file # XXXX dated XX/XX/XXXX. You 'll see the last XXXX digit of my social security number, date of birth, address. Account information not pertaining to the Ocwen Loan Servicing , LLC was redacted. However I did reveal that ALL of my accounts are in good standing. From Page XXXX-XXXX You will see Ocwen Loan Servicing credit information which starts from XX/XX/XXXX thru the last reported date of XX/XX/XXXX. On page XXXX, the credit report shows the date the account was opened on XX/XX/XXXX as a joint account.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had a banking error that led to insufficient funds. Having being off work for 9 months. I paid the late fee 's and submitted the payment a few business days later. Then next month my ( bank Bill pay ) made the payment on time and the bank OCWEN.. said I cant submit this form of payment. I asked if I could play by Card they said for a fee ... then said I only send them money Via XXXX XXXX or Cashers Check or Certified Bank Check. This all costs additional money on top of my payment to the bank. I told them that I should not have to be charged extra money because they wo n't accept typical forms of payment. So on top of the returned check fee. I will have to spend additional XXXX dollars to wire them money every month. They also said they would not except cash if I sent it to them.
Company Response:
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2016-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No