Date Received: 2016-10-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was recently reinstated after Ocwen Servicing wrongfully foreclosed on my property during the processing of my modification request. Ocwen rescinded the foreclosure and reinstated the deed. Recently I received a mortgage statement it reflected a substitute deed recording charge, sheriff fees, Lender placed Insurance fee. These charges have been included in my next month mortgage payment. My house was wrongfully foreclosed. Please request Ocwen remove the fees associated with the foreclosure.
Company Response:
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2016-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing , LLC requested proof of insurance in XXXX XXXX and it was Faxed to them. It was also verified that they received it. They made another request saying they did not have it in XXXX XXXX. It was again Faxed on the XXXX of XXXX XXXX and the confirmation faxed number is XXXX and XXXX at Ocwen Loan Servicing verified that they had received it. Then on XXXX XXXX, XXXX received another letter saying I needed to send proof. I then contacted the XXXX XXXX XXXX XXXX and they sent verification to Ocwen Loan Servicing on XXXX XXXX. Inspite of all these verifications Ocwen Loan Servicing put additional insurance on my condominium and charged me and additional {$180.00} dollars a month since XXXX XXXX. Their policy cost {$670.00} dollars which I have paid and they are still collecting {$180.00} dolllars monthy above the mortgage payment. I was advised by my attorney to contact you
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2016-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Mortgage LLC got my mortgage loan from XXXX XXXX XXXX in XXXX. Since they have had the loan they have told me several things one my monthly mortgage payment ( XXXX vs less then XXXX ) is higher then the real amount. Then the escrow amount is high because I missed payment ( they have now knowledge that was incorrect. But still say I need to modify my loan because I am behind ) I have repeatedly asked how that can be and they still do n't known or answer the question. My mortgage has been 40 years at 3.625 % since XXXX which make my monthly payment just under {$800.00} and I have paid more than that very month so how can I be behind on the my mortgage. Also they want me to modify my mortgage to 40 years at 3.625 % which is the same as it is now for a monthly payment of {$790.00} which is what has always been.
Company Response:
State: AZ
Zip: 85208
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This again is my forth case for APPEAL, each time that Ocwen responds my case is closed and will continure to open up cases until this mater is resolved. Ocwens responses are unacceptable I refuse to speak to a person in XXXX as a relationship manager that knows nothing about the USA and the mortgage. Each time Ocwen is skirting around the issues and pushes me off to someone else. The points below are still open and regarding the XXXX issue, Ocwen keeps loosing my documents and expects me to file a case of fraud. Look into this matter with your fraud department with the documents I provided to you XX/XX/XXXX. When I filed the case against the investor on complaint number XXXX XXXX XXXX XXXX XXXX said that I was not one of their accounts. So who owns the mortgage, EXACTLY XXXX does and is illegal in XXXX. I have XXXX claims open against Ocwen Loan Servicing , LLC that need to remain open XXXX, XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX I submitted a request for Appeal on my loan modification.offered on XX/XX/XXXX. Since that time Ocwen has only answered some of my questions and has not since answered my appeal and provided me with a NEW loan modification. The questions that remain unanswered are as follows : XX/XX/XXXX Ocwen Loan Servicing , LLC Attn : Home Retention Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax : XXXX Email : XXXXXXXXXXXX In the Matter of : XXXX XXXX XXXX Account Number # XXXX APPEAL to Loan Modification offer XX/XX/XXXX 2. Your " OFFER '' is clearly beyond my means. 3. There is NO WAY I can afford this payment. 4. I SIMPLY do not receive enough income to manage my monthly FIXED expenses, OBLIGATIONS on top of the " PROJECTED PAYMENT '' Please explain : Please be aware that you have kept denying me a reasonable modification over the past 8 years based on the following. 7. This is a XXXX loan and is ILLEGAL and TOXIC ( XXXX ) MIN : XXXX, Note Date : XX/XX/XXXX, Servicer : XXXX XXXX XXXX , XXXX, XXXX XXXX " XXXX Court Rules XXXX Business Model is illegal '' ( XXXX ). ( Documents attached ) 8. The US Government bailed out the BANKS and the SERVICERS where to notify the mortgage holders ; I received NO SUCH NOTIFICATION. 9. I have read that CFPB filed a case and charges against OCWEN Loan Servicing for faulty practices. But you continue to do what you still do. Please use my correct financials moving forward. I would like to be issued a revised offer based on my TRUE and CORRECT, INCOME and EXPENSES and the ABOVE XXXX BULLET POINTS. As of today I am still waiting for a response back from Ocwen tp # XXXX. I also disputed this claim on case # XXXX which was not acknowledged by CFPB and uncertain whether that dispute was sent to Ocwen. THIS HAS BEEN GOING ON FOR 8 YEARS AND ENOUGH IS ENOUGH. OCWEN AND THE CFPB NEEDS TO GET THEIR ACT TOGETHER AND RESOLVE THIS ISSUE. I HAVE TRIED NUMEROUS TIMES TO GET AN UPDATE BUT MY CALLS ARE DIRECTED TO XXXX. I REFUSE TO SPEAK TO A PERSON IN XXXX FIRST OFF. THIS IS A USA ACCOUNT, I AM A USA CITIZEN AND I WAS BORN IN THE USA. ALSO OCWEN OPERATORS # XXXX XXXX AND OPERATOR # XXXX XXXX WERE RUDE AND DENIED TRANSFERRING MY CALL TO THE UNITED STATES. HORRIBLE CUSTOMER SERVICE.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2016-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan was transferred to Ocwen from GMAC XX/XX/XXXX. Prior to the transfer, GMAC removed our MI monthly amount. Once the loan transferred, Ocwen began charging FHA MI monthly again. I sent a letter requesting the removal of the MI. I received a response from Ocwen stating that the loan was not at XXXX % LTV and that until it was at XXXX % LTV it would be on the loan. They also stated that the automatic removal of the MI was scheduled for XXXX XXXX. The letter we received from Ocwen, in XX/XX/XXXX explained that the LTV was calculated by the higher of the XXXX either the Sales Price or the Appraisal Price. My Sale Price and appraisal amount was the same at {$77000.00} so the XXXX % LTV is {$60000.00}, which our loan hit that amount prior to the transfer in XX/XX/XXXX. Since the transfer I have requested the MI be removed again without resolution. Ocwen changed the way they calculated the LTV and says that the Loan did n't qualify as of XX/XX/XXXX and then although I called and sent letters twice in XX/XX/XXXX, they say they did n't receive letters yet they admit to speaking with me. The removal of the MI did n't happen until XX/XX/XXXX, when once again another letter was sent.
Company Response:
State: KS
Zip: 66061
Submitted Via: Web
Date Sent: 2016-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Was given a predatory loan by a predatory lender who gave me more than I asked for. I am a senior citizen that attempted to take a small {$25000.00} loan for a new roof. The bank told me to take {$50000.00} as a minimum loan and that it was a no income check. I paid my regular mortgage and this XXXX until the financial crash in XXXX. Then had XXXX and XXXX XXXX in XXXX and XXXX. XXXX recovered, I modified and am current on my first mortgage. This second mortgage is serviced by Ocwen fined XXXX XXXX by NYS for not offering customer assistance to homeowners and to aid them. Their phones rang to nowhere, when people could be reached and made offers others did not have record or honor on XXXX occasion. Mostly it was holding on the phone and being transferred to others who offered no assistance. It kept me in continual distress and hardship creditwise unable to get low interest credit if needed etc. I am current on my larger first mortgage but this loan is in default and I went into negotiation through the courts. The lawfirm did not assist and made me come to many, many meetings and finally submitted a large legal bill thinking it was hourly billing. The judge explained its a fixed fee when they enter court mediation and the lawfirm walked off for years and never assisted after that. A new law firm came in after the statute of limiations had passed and began litigation and is trying to take my home on a 2nd mortgage by quadrupling the amount I requested and doubliing the amount I took, and it was because of them the interest compounded over years not me! They never offered the assistance they were fined for by NYS as 2nd mortgage companies were encouraged to do. They are predatory and I am a XXXX who face XXXX hardships, the financial crash and XXXX illnesses. Please investigate Ocwen practices and have them reduce the doubling of my loan so that I can finally have relief from this predatory company.
Company Response:
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2016-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mom had an mortgage with Ocwen and she passed away in 2005. They told us that we were n't aloud back in the house and they would not let us know anything about the account. But they did a loan modification with my brother and they took his checks which they had cashed the same checks four or five times. They recently hit us with foreclosure papers. They charged us XXXX in interest. I applied for a loan modification in my name and they denied me. The loan was for XXXX in the beginning. But now they are saying that i need a total of XXXX. Every time I talk to someone they keep telling me that the documents they had me sign, they never got them. And I have to resend them over and over. The same thing happens when I call they keep giving me different answers to my questions. I can never get a straight answer from anyone.
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I expressed my frustration with trying to get HSBC Bank to honor this agreement with your office. I am writing this letter because I have fought and fought to save wife, children and myself, from homeless. HSBC Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XXXX XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note to the Unites States, yet HSBC Bank has not discharged the debt and is still moving to remove property from my estate. The state court has ignored my pleas in Illinois circuit court case 10 CH 14885. The Illinois State court have ignored the fact HSBC did not send any notice of acceleration or default notice before filing foreclosure suit. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? HSBC admitted in Court they did not offer me any trial modification, they admitted in court the assignment was created by the attorney XXXX XXXX who is the Plaintiff 's HSBC attorney who is employed by XXXX XXXX XXXX who falsified documents claiming to by an MERS Vice President. What good is the Consent Order agreement if it is intended to be teeth less?
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2016-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I need help ASAP! I believe I 'm in a predatory mortgage loan. I 've been trying to get out of this mortgage since I purchased my home in 2006 but, I have n't succeeded. The loan is an XXXX interest only adjustment loan with OCWEN Loan Servicing , LLC . The loan just matured last month, which means I 'm now paying principal and interest after 10 years. My mortgage has never been late until now, my monthly payment has jumped up {$940.00}. My monthly payment went from {$1500.00} to {$2500.00} starting XX/XX/XXXX. To make matters worst, OCWEN also claims there 's a escrow shortage and asking for an additional {$600.00}, which increases my monthly payment again starting this month ( XX/XX/XXXX ). My payment is now {$2500.00}. I also pay a XXXX trust monthly, which is {$700.00}. I can not afford a monthly mortgage payment now in total {$3200.00}. I contacted OCWEN by phone after receiving notice of the significant increase to my monthly mortgage payment in XX/XX/XXXX. I informed them that this payment was totally unaffordable for me and requested a loan modification. I applied for a loan modification with OCWEN in XX/XX/XXXX. After submitting all requested documentation, OCWEN denied my loan modification request reason stated because my mortgage was current. Per OCWEN, I need to be at least 30 days or more behind on my payments in order for them to possibly consider a loan modification. I 've even requested refinancing my loan with OCWEN, that was denied. OCWEN stated I was not eligible for loan refinancing and not eligible for any of the make home affordable programs, which include HARP or HAMP due to the terms of the owner of my loan. Per OCWEN, XXXX XXXX XXXX XXXX XXXX is the owner of my mortgage and holds the note. I am at the end of my rope. I have tried everything to work with OCWEN and they have been no help to me whatsoever!! Yet, they say they are here to help in difficult times. NOT TRUE!! I run into a brick wall every time I 'm forced to deal with OCWEN. This large increase to my mortgage is now causing financial difficulties. I exhausted most of my finances to make this month 's mortgage payment. Unfortunately, I 'm facing the same situation for this month. I need some type of relief until I can find a permanent solution. I 've tried to refinance my mortgage with other lenders, such as, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX with no luck. I 've even tried my credit unions. They wo n't touch the loan because I 'm currently underwater with no equity and they do n't have other programs to help because my loan is not owned by XXXX, XXXX XXXX or FHA. I hope the CFPB can force OCWEN and XXXX XXXX XXXX XXXX XXXX 's hand, whereas, I will either receive a loan modification or refinanced into an affordable loan. I know both have been in trouble before with mortgages. I 've worked to hard to rebuild my credit and avoided foreclosure, which I am possibly facing now. One lender suggested that I do a short sale and get out of the loan all together, which is easier said than done. I hold a clearance, which makes my situation even more difficult. Your assistance is this matter is greatly appreciated.
Company Response:
State: VA
Zip: 20175
Submitted Via: Web
Date Sent: 2016-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-10
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Several years ago I had a loan modification done on my home with Ocwen loan services LLC. Apart of that was a balloon payment at the end of the loan. It would be based on the value of the house at the time and the loan had a 6.875 percent interest rate. XX/XX/XXXX I decided to refinance my house hoping to reduce the interest rate. So i contacted my bank XXXX XXXX on XX/XX/2016- XXXX XXXX of XXXX XXXX Calif . They came by and did the appraisal of the house for XXXX XXXX. A couple of weeks later I was contacted by another appraiser wanting to appraise the house and asked who ordered the appraisal. I was told Ocwen. Since i was not contacted by Ocwen with their request i said no. I immediately contacted XXXX XXXX, they contacted Ocwen and offered to send them a copy of the XX/XX/2016 appraisal for their use.Ocwen agreed and have been sent the appraisal several times. Ocwen has used every excuse possible, from " they had not received it '' to " they needed it in color ''. Now their current excuse is that " the appraisal has expired ''. It is XX/XX/XXXX and this started in XX/XX/XXXX.
Company Response:
State: CA
Zip: 92544
Submitted Via: Web
Date Sent: 2016-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No