Date Received: 2016-10-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My ex wife was rewarded our house per divorce decree XXXX %. The loan on the house is serviced through OCWEN Loan Servicing. Since the divorce was final my ex wife was able to do a modification on the loan. The application forms included her info and her income only and the modification was approved. Since then OCWEN has continuously called me on the account whenever there 's anything negative. Slow pay, no pay, or whenever she wo n't answer their calls. They call me for any and everything. Problem is that I have been completely blocked out from this account and when I call OCWEN for answers, They tell me that I do n't have access to the account because I have been removed by request from my ex wife and also protection of information security through OCWEN. This account is still being reported on my credit and there is absolutely no cooperation from OCWEN Loan Servicing. Whenever OCWEN calls me and i ask questions on why I have not been removed from the loan due to my ex wife doing a modification on the home, I ca n't get an answer. I ask OCWEN for information on the status of the loan and why are they reporting negatively on my credit after allowing her to do an approved modification, I have sent a copy of the divorce decree, and there is a submitted quick claim deed. I ca n't get any information from OCWEN after numerous attempts. I have been given the run-around on an account that 's reporting negatively on my credit. I have been locked out of the account for some time now. OCWEN Loan Number XXXX. I feel that I 've exhausted every possible avenue in trying to have my information removed from this account and I encounter a dead end every time. Property in question is, XXXX XXXX XXXX XXXX . XXXX, TX XXXX
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2016-10-10
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 've had my house for 10 years now, I have XXXX mortgages and the XXXX was sold to OCWEN. I 've been paying them on time for years and XX/XX/2016 they sent me a letter stating that since the market rates have risen that so will my monthly mortgage payments. My rate was 3.875 % and OCWEN is raising it to 4.125 % but for some strange reason my payments are going from {$800.00} per month to almost {$1600.00} per month. I told OCWEN that that 's ridiculous and that I ca n't afford it since I 'm already struggling with this payment and other bills. I applied for a loan modification and they finally got back to me stating that I make enough from my monthly gross income & my 401k savings to be able to pay them. Now I see why I 've seen so many complaints about OCWEN that they 're just a call center full of money hungry crooks. I pray XXXX will deliver me from these XXXX and send me to a real mortgage company so I can keep my house.
Company Response:
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2016-10-10
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: In XX/XX/XXXX I modified my loan with all taxes and insurance included. XX/XX/XXXX I received information from a third party stating I owed over {$10000.00} In back taxes from XX/XX/XXXX. I submitted all forms I recieved from this party to Ocwen and they told me, I had no taxes due, all taxes were paid through XX/XX/XXXX and they would submit and reach out to the private party. Well Ocwen Did absolutely nothing. I called, faxed court dates but Ocwen refused to contact the party but instead sent tax records of their disbursement to me, until I recieved a date for a strict forclosure auction date. Ocwen who still says 'all taxes are paid ' paid almost XXXX for court fees, Attorney fees and more. XX/XX/XXXX I received a letter stating my mortgage is going up XXXX. I exclaimed my issue with the company and they said my only option Is to modify the loan again. They still stand by thier word that all taxes were all paid up when the Modification went into effect in XX/XX/XXXX but do n't know why they paid twice instead of fighting or showing up in court. They also just recently denied my modification. I feel Ocwen likes to cheat innocent People from there homes. They are also giving me the run around with several ( specialist ) they call them rechedueling dates and giving false information on this lose. Nothing is being done and I 'm scared I 'm going to loose my home.
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2016-10-14
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: My Mortgage Company ( OCWEN ) violated The Terms And Agreement In The Consent Order On The Settlement Funds '' and Sections 17 ( a ) ( 2 ) and 17 ( a ) ( 3 ) of the Securities Act of XX/XX/XXXX and Section 21C of the Exchange Act of XX/XX/XXXX and Sections 13 ( a ), 13 ( b ) ( 2 ) ( A ) and 13 ( b ) ( 2 ) ( B ) of the Exchange Act and Rules 12b-20, 13a-1, 13a-11, 13a-13. In Addition To The Above They Violated The Dodd Frank Law-Act '' and Never Offered Me An Loan Modification '' After They Purchasing The Servicing Rights Of ( AHMSI-American Home Mortgage-Homeward ) and ( Residential Capital LLC-GMAC Mortgage LLC ) In A Bankruptcy Liquidation Under Judge XXXX XXXX In The United States Bankruptcy Courts For The XXXX Division Of New Under There Bankruptcy Case ( XX/XX/XXXX ) and ( XX/XX/XXXX ). Instead They Used Deceptive Practices '' To Go Around The Consent and Enforcement Orders They Signed With ( CFPB ). How They Did It Was They ( Re-Assigned ) The Mortgages Back To The Prior Banks & Servicers '' After Purchasing The Pools Of Mortgages '' To Avoid Paying Victims To The Terms And Conditions Of The CFPB Consent Orders '' and Loan Modifications '' Carrying Out Wrongful ( Evictions and Ejectments ) For Big Illegal Profits and More '' With and Through Their Affiliate Company 's ( Altisourse ) and ( HLSS ) Home Loan Serving Solutions. This Was Done After CFPB Issued Enforcement Orders and After The Dodd Frank Law Went Into Effect ( XXXX XXXX, XXXX ). In My Particular Case In Alabama The Crime They Committed In Trial Under An Ejectment Was Done On ( XXXX XXXX, XXXX ) '' This Is Recorded In XXXX County Circuit Court '' XXXX County Alabama. NO : XXXX. They Initially Lost The Case On The Eviction On ( XXXX XXXX, XXXX ). That ORDER was issued under case ( XXXX ) on ( XXXX XXXX, XXXX ). After They Loss That Case '' They Continued To Rob Me Without Lack Of Standing Filing An ( Ejectment ) Which is Listed Above '' Under Case NO : XXXX. The Case Went To Trial And This Is Where Ocwen Was A Witness Stating They Assigned The Mortgage Back To ( GMAC Mortgage LLC ) To Avoid The Terms And Conditions Of CFPB Consent and Enforcement Orders. Residential Capital Corporation-Residential Capital LLC and GMAC Mortgage Corporation-GMAC Mortgage LLC Is Still In An Active Bankruptcy Case In New York '' Under Cases ( XX/XX/XXXX ) and ( XX/XX/XXXX ) '' and They Went Around The Bankruptcy Courts Trustees On This Issue Without an Relief Of Automatic Stay To Proceed To Trial '' and Neither Were The Trustees Aware That ( OCWEN ) Was Illegally Assigning Mortgages Back To Servicers and Banks To Avoid The Terms And Agreement Of CFPB ) Consent Orders '' Where Crimes Were Carried Out Between Their Law Firms And Affiliate Company 's ( XXXX and XXXX ) For Big Illegal Profits Without Lack Of Standing On My Property Period. The SEC and CFPB did n't Know How They Continued Robbing Victims Nationwide '' Well They Robbed Them The Way They Robbed Me '' Using Deceptive Practices So No One Could Figure Out How They Continued Robbing Victims '' XXXX XXXX Investors '' Mortgage Pools Of Trust '' XXXX '' XXXX XXXX '' The Federal Reserve And Me '' Going Around The SEC and CFPB Consent Orders Using Deceptive Practices Based Upon Fraud '' Which Has Corrupted The U.S.A Judicial System Linked To Massive Stolen Mortgages Being Stolen Daily. That Caused Harm To Others As Well As Me '' Which Can not Be Denied Or Ignored This Is Recorded Facts ... .. I Know Of Several Victims They Have Done This To '' In Which I Will Gladly Inform You Of Who They Are When You Request Their Information ...
Company Response:
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2016-10-14
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: my last two payments that were made via XXXX XXXX have not been posted by Ocwen loan processing, yet XXXX XXXX shows they hasve received it
Company Response:
State: NY
Zip: 11763
Submitted Via: Web
Date Sent: 2016-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-09
Issue: Settlement process and costs
Subissue:
Consumer Complaint: This is not a complaint per-se. This new case is submitted merely out of our need to have this matter mediated / witnessed by a third party ; based on previous interactions with Ocwen. We see that the latest notification letter received, dated XXXX XXXX, 2016, attached to the current agreement for the short sale, gives 14 days from its date of drafting for homeowners to apply for the HAMP in lieu of finalizing settlement on the buyer 's purchase. We foresee being able to assume the HAMP loan in the very near future, after we are placed in the jobs we now seek, with the provision of the payments not being substantially more than what they were quoted to be in the XXXX XXXX, 2016 offer. Though our MD HOPE Program attorney, XXXX XXXX XXXX of XXXX, XXXX and XXXX XXXX, has been absent from work for a few days because of some pressing concerns of his own ; he is still very much in charge of our dealings. However, we are launching the request to cancel our short sale through this venue and the other corresponding method in the interest of time. He will resume administrating our affairs shortly, and again ; all correspondence from Ocwen and its associates must pass to us THROUGH XXXX XXXX. If we have signed something which binds us to the settlement we will call on the fact that we are still within the 14 allotted days for changing our course. The ultimate objective of this arrangement ( which is under the auspices of the HAMP / HARP program ) is to help the homeowner keep home ownership if at all possible. Thank you for your attention to this matter.
Company Response:
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2016-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against XXXX ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.
Company Response:
State: CA
Zip: 92806
Submitted Via: Web
Date Sent: 2016-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I 'm a widow and my husband was the major income contributor in our family. I tried to get help form Ocwen before I could no longer make the payment. I filled out the Hardship paper work and sent it in. I was contacted by a representative and he told me he would be my point of contact. He said I was missing some paper work so I got it together and sent it in. Three weeks later I hadnt heard form them so I called, Long story short I had been assigned to a different person and they had not recieved the paper work. This happend for the next couple of months until they said the information was too old I needed to start all over again. I was behind on my mortgage for a few months but I got it caught up in XXXX 2016. Now they are calling me everyday about when I am going to pay XXXX payment and it is not late until the XXXX of the month.
Company Response:
State: MO
Zip: 64131
Submitted Via: Web
Date Sent: 2016-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN was my loan provider in XXXX and XXXX ( loan number XXXX ). In XXXX I purchased new hazard insurance for my house. When I sent OCWEN the documents for this XXXX insurance ( price {$1200.00} ), an OCWEN representative called me to tell me that the insurance had to cover 80 % of the remaining loan amount. Thus, I adjusted the insurance with XXXX to meet OCWEN 's demand ( price {$1400.00} ). My loan was sold to XXXX in XXXX and recently my monthly premium was raised by XXXX. Thus, I went back over my loan information to determine why my rate had increased. What I found out was that OCWEN had taken XXXX the {$1200.00} payment and the {$1400.00} payment from my escrow, which were claimed to be sent in the form of Insurance Disbursement checks to XXXX ( XXXX XXXX XXXX VIRGINIA or XXXX XXXX XXXX XXXX. Interestingly, however, XXXX never received the payment from OCWEN for the {$1200.00}. Therefore, OCWEN took {$1200.00} from my escrow that was not used for insurance and never returned to me or my escrow account. What concerns me is that I believe OCWEN representatives may be doing this to many loan customers, double charging for insurance from the borrowers escrow account and only paying the insurance company once. It would be easy for you to look at some OCWEN customer loans from XXXX and determine if there are a lot of double insurance charges in this year. If there were then I believe this may be a fraudulent activity that OCWEN is involved in.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2016-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: It has come to my attention that the company servicing my mortgage loan, Ocwen, has made a serious error and cancelled/liquidated my outstanding debt, incorrectly citing the loan status as delinquent. I have had this mortgage for over 10 years, and have made each and every monthly payment. When I called their customer care line, I was informed that the loan had been " charged off ''. When I inquired as to why, I was told they would have to " research it ''. I received a reply a few days later indicating it was charged off due to the " delinquent status of the loan ''. This reply, sent to me by XXXXXXXXXXXX, indicates to me that they never did any research, as the loan was not even close to being delinquent. The matter originally came to my attention on XXXX XXXX, 2016, when I logged on to make the only payment that was due, which was the monthly payment due XXXX XXXX, 2016. Furthermore, if there were additional terms buried in my contract that required I do more than just make the monthly payment on time each month to ensure my loan was not considered delinquent, Ocwen never contacted me to inform me of them. Prior to Ocwen charging off this loan, they made no attempt to even contact me to let me know they considered the loan to be delinquent. I made each monthly payment in accordance with the terms of my loan, and verified both the amount and due date on Ocwen 's website each time I made a payment. But again, for reasons unknown to me Ocwen suddenly considered it delinquent and cancelled/liquidated the outstanding debt without ever contacting me. Upon receiving the reply from Ocwen 's research department, I then contacted customer care to ensure they would not falsely report to the credit bureau 's that my loan was charged off " due to delinquent status '', and reaffirmed that the loan was not delinquent. I was told that they will report " whatever their records indicate ''. When I informed them that reporting false information is a violation of the FCRA, I was told there was nothing they could do. I should also note that the last payment they applied was on XXXX XXXX, 2016. This was the monthly payment that was due on XXXX XXXX, 2016. So as of XXXX XXXX 2016, my loan was fully up to date. The loan was subsequently declared delinquent and charged off before XXXX XXXX, 2016 ... less than 2 months later. I have attempted to follow up with XXXX ( email address referenced above ), but she has not responded. I fear that if this error is not corrected ASAP, they will report false information to the credit bureau 's that will severely impact my credit score in a negative way.
Company Response:
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2016-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No