Date Received: 2016-10-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing LLC has been misapplying our payments in order to fraudulently misrepresent that we owe one back payment ( approximately ; the figure varies randomly ). All the proof previously submitted to Ocwen and in our previous CFPB complaint proves that we have never been late or in default on a payment since our loan modification went into effect years ago. After our initial complaint to the CFPB you said we would receive an explanation from their ombudsman. We NEVER have received any explanation. On the contrary, the " ombudsman '' just attached the same documentation back to us that proves we made all our payments, with no acknowledgment of our very clear demands, no explanation of the reason for their misattribution, and no apology or compensation offered for the damage done to my credit score, my time and my health. They subject me to the constant stress of falsely threatening me with foreclosure. You at the CFPB must follow up and make sure that I receive compensation and full vindication of my financial records. You should review the case and do your own investigation, as they have failed after numerous letters and phone calls trying to get them to stop the false double billing every month. I tried to make a phone payment to them and have them apply it correctly to the XXXX bill but they said they would be applying it to the XXXX bill even though they acknowledged that the XXXX amount was paid on XXXX XXXX. By the way on the phone menu I requested the " relationship manager '' on the account. The person who answered, one XXXX, was clearly not a manager at all, even less a relationship manager, because she simply read boilerplate to me and provided no attempt to answer these questions ; on the contrary she said she had to apply the payment to XXXX as that was what showed, and said we could address any complaints to the Research Department ( this designation on the phone menu was so blatantly false that this also rises to the level of fraud ). Since there have been no results whatsoever from our bringing this to the attention of Ocwen 's " Research Department '' where they repeatedly refer us ( and who never answer ), and to their corporate administration, please review this matter and reply to us within two weeks, as this has gone on far too long ( for years ), and it is clear it will continue forever unless you take action against them.
Company Response:
State: CA
Zip: 92571
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: I contacted my Mortgage Servicing Company when I became XXXX behind and the lender recommended that I try Loan Modification and I stated that I was in a loan mod a year and a half before this date the lender said try and apply. So I apply on XXXX XXXX, 2016 and its a Saturday and submit all required docs by fax, email, to lenders contact. On Monday Morning XXXX XXXX, 2016 before XXXX XXXX XXXX XXXX XXXX I get a phone call from lender stating that I was Denied. I ask how they could even preview my docs that fast and decide to deny me? The relationship manager then informed me that I did not send in all required docs and that my lender suggested a re-payment plan. If I did not want plan my house would be foreclosed on. I received a notice of default when I was just XXXX behind and before I was denied loan mod. My home is under water and I owe a balance of {$230000.00} Our property is valued at the present time to be {$140000.00} My payment is {$1000.00} a month with tax and insurance My rate is 2.119 % which I have no problem with and its a 30 year fixed conventional Repayment Plan offer by lender After 2 months of run a round by lender on agreement on plan by then I was 3 months behind. So the lender offers me a re-payment plan that consist of Total payments behind 3 months at {$1000.00} x XXXX = {$3000.00} Required a down payment of {$1.00}, XXXX to be paid as agreed on XXXX XXXX, 2016 by XXXX XXXX which was paid as agreed to lender reference enclosed. Lender requested XXXX payments for months of XXXX, XXXX, XXXX, XXXX, XXXX of {$1600.00} Totals {$1600.00} x XXXX = {$8000.00} dollars plus the {$1300.00} down payment which would total {$9300.00} minus my past due of {$3000.00} = {$6200.00} Why are they charging me this amount for what? I made the down payment like I mentioned before as agreed and my next first payment of {$1600.00} is due XXXX XXXX, 2016. I can make my regular payment and a little more on top of regular payment but like I explained to the Relationship Manager it would be very difficult to make this payment. I 'm XXXX XXXX XXXX and my wife and I ca n't retire due to all the stress on our mortgage issues with lender. My lender never once told us about programs that were available to loans under water, We get collection calls all hours of days and weekend to. My lender did work with me on repayment plan to a certain point then I got contacted by different relationship Managers regarding plan half could not even speak very good XXXX hard to understand. We have been promised, lied to, mislead, had to sign incomplete documents, Our last loan modification was a backed up in the corner kind of signing we had no choice at the time. And on top of all this the stress it has caused my family and myself. And I recently was contacted by a company who said they work with my lender and offered me a Mortgage Restructuring & Streamline Program that was fully approved by my lenders Negotiator name is included to and the making home affordable program which I had to sign within 24 hours would drop my payment to {$860.00} and 2 % rate for XXXX payments of {$1200.00} total {$3800.00} which my lender is requesting. Now I know this is a scam and I have contacted my lender with no response at all. I have had to file chapter XXXX and XXXX bankruptcy 2 times over the years in order to keep my home. Been charged all sorts of fees and late charges, down payments by my lender I think they are scamming me again with all the charges listed above for the repayment plan where does it stop!
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2016-10-06
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: I am LIVID with Ocwen Loan Servicing. My father died XXXX leaving no Estate. My mother passed XXXX. Since there was a house and no will, I had to go through Probate which was completed about XX/XX/2015. I sent Ocwen the personal responsibility form notarized by the XXXX XXXX XXXX Probate Court naming me as the ONLY party to the Estate. I 've been trying to get Ocwen to change the mortgage to my name as deceased people can not own real property. They refuse. Any contact with them has to open with giving my ( deceased ) mother 's ssn. This is ridiculous and stirs up emotions I just do n't need. Now for the ultimate insult. I got a fat envelope from Ocwen last week ( their date XXXX ) stating I 'm in default ( 2 months when letter was created, now XXXX. It also threatens foreclosure! I know foreclosure proceedings can not begin until 4 months in arrears. I tried calling and got the typical XXXX accent which I can barely understand. After explaining everything, he said that he could n't help as he 's not my 'personal ' mortgage assistant. I could n't understand his name or employee number at the beginning of the call. It 's time Ocwen actually showed some customer service! My brother is helping with mortgage due to a financial crisis. I 'm sure we can make 1 or 2 payments before XXXX ( four months behind ).
Company Response:
State: NM
Zip: 88011
Submitted Via: Web
Date Sent: 2016-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-06
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Ocwen Loan Servicing, LLC- took over GMAC Loan Servicing the prior servicer of my Mortgage. Ocwen sent a Loan Modification form to me to be completed as of XX/XX/2013. However, Ocwen does not live to the promise of the modified document. 1. Ocwen increased our principal or the balance owned from {$58000.00} to {$84000.00}. 2. Ocwen does not waive the past late fees, past balance and all the attorney fees as promised during the modification. 3. Even we made 39 payments after the modification documents, ocwen have already file for foreclosure on us. The Interest rate is higher than the current rate. 4. I called Ocwen Ombudsman office I spoke with XXXX XXXX and I have explained to him that " Ocwen did not sign the Modified document and did not respect their promises so ; we need a new modification with accurate amount. But, Ocwen fails to do it. I do need help to resolve this issue before Ocwen repossess my property Please Help. Thanks, XXXX XXXX, XXXX and XXXX XXXX XXXXXXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX TEL. XXXX
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2016-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: US Bank acquired my mortgage from Concorde XXXX. I originally had a mortgage for {$96000.00} with Concorde but US Bank has added so many erroneous fees that now US Bank says I owe {$100000.00}. I have been assessed fees for force placed insurance, property inspection fees, legal fees, late fees, etc ... The mortgage servicing company is XXXX XXXX XXXX. I have been working with XXXX to come to a resolution about my mortgage. According to the FDCA, Foreclosure proceedings should have been haulted while XXXX and I were in negotiations. I am constantly being harassed with correspondence from XXXX XXXX, US Bank 's attorneys. I feel this company is abusing its power by just adding these fees to my loan and trying to foreclose on my home even though I am working out a resolution with XXXX. I have been denied employment and affordable housing because of US Bank. The loan was predatory from the beginning and has become completely un-manageable for me to bring the account current. I am asking that all collection and foreclosure activities stop.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2016-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX/XXXX/16 Received a call from XXXX XXXX stating that he was a representative of OCWEN Loan Servicing, and that we qualified for a fixed 2 % loan modification thru the HAMP program. He emailed me an Acceptance & Acknowledgement of Acceptance of XXXX Trial Agreement. On XXXX, my wife and I signed it and faxed it back to him at XXXX. He then said in order to lock in on the loan modification, we needed to send the first of XXXX payments {$610.00} by XXXX ( person to person to XXXX XXXX ). We did and he emailed me a receipt. He then called the next day ( XXXX/XXXX/16 ) to say in order to lock in on the 2 % for the life of the loan we had to send the other XXXX payments of {$610.00} each ( sent {$1200.00}. We did, XXXX person to person to XXXX XXXX. The next day he emailed another receipt. ( his email address : XXXXXXXXXXXX ). On Friday XXXX/XXXX/16, XXXX XXXX called and said everything was good, however : they could not guarantee the 2 % fixed rate for the life of the loan unless I send them an additional {$860.00} for processing fee. That 's when I became very suspicious.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2016-10-06
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: I was approved for a XXXX Trial Payment Plan in XXXX 2016 by Ocwen Loan Servicing , LLC . First payment was due on XXXX/XXXX/2016. I called my relationship manager, XXXX XXXX, last Thursday on XXXX/XXXX/2016 asking if my payment could be made by phone or electronically. I did not receive a return call from XXXX XXXX. When I call Ocwen 's customer service, I get the voicemail of XXXX XXXX. I looked at my account online and Ocwen does not show my payment has been received. XXXX XXXX is out of the office due to weather issues in the XXXX XXXX XXXX area. I have sent email communication today, XXXX/XXXX/2016, to XXXX XXXX to find out if my payment has been received. According to the documents received by Ocwen, " Trial Period '' payments must be received on or prior tot he XXXX day following the due date provided on each coupon. I would like to make sure my payment has been received. I mailed my payment on XXXX between XXXX XXXX and XXXX XXXX at the post office. I went to Ocwen 's website to provide the details of my payment earlier this week. Payment was mailed to the following address : Ocwen Loan Servicing , LLC, Box # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Check # is XXXX in the amount of {$3200.00}. I am not sure how often this mailbox is checked for payments and how long it takes to process these payments. I have been unable to reach anyone from Ocwen to discuss my concerns on the receipt of my payment. My prayer is that payments are processed in a timely manner so that we qualify for a permanent modification and that Ocwen does not delay the processing of our payment.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2016-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I XXXX XXXX request that my current mortgage servicer applies their option to the Federal Housing Finance Agency for a serious reduction in principal against my home located at XXXX XXXX XXXX, XXXX, New York XXXX. I am attaching several correspondences that apply to the foreclosure crisis in America, and believe that my request for intervention by the FHFA is necessary to settle my foreclosure matter at this time. The FHFA is not only designated to help those with mortgages eventually sold to XXXX or XXXX XXXX, but also as a trustee to all mortgages connected to any designated home loan bank. XXXX happens to be one of those banks. I respectfully request intervention into my case as a matter of principal. I realize that the current Attorney General of my state is pushing for the FHFA to live up to its designated requirements. There are well over XXXX active foreclosures in New York State alone. In any event, I respectfully request the Consumer Financial Protection Bureau to prepare my file for potential federal agency intervention to mitigate damagers to the legal process that can go on for years. I believe that after every federal and state agency has the opportunity to place their input, including my Congressman in my jurisdiction, then there is a greater probability of a settled resolution.
Company Response:
State: NY
Zip: 11710
Submitted Via: Web
Date Sent: 2016-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: WE REQUEST THAT OCWEN LOAN SERVICING RESPOND TO THIS COMPLAINT ONLY! Documents reflect, on XXXX XXXX XXXX, Ocwen Loan Servicing created an assignment of Deed of Trust for XXXX. This document reflects that XXXX assigned this Deed of Trust to XXXX Per Ocwen in another CFPB complaint ( XXXX ), they stated ; " the owner of the loan is XXXX XXXX, as trustee for XXXX Mortgage Loan trust XXXX ''. Now, on XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) stated in an email ; " in addition to the positive findings in the XXXX XXXX trust, the signer of assignment of the Deed of Trust is an assignee agent employee, XXXX XXXX, who states his position as a XXXX assigning officer without disclosure of his true role. The document was also recorded on XXXX/XXXX/XXXX, approximately eight years after the closing date XXXX/XXXX/XXXX and was not signed by the required Depositor XXXX in violation of S.E.C governing documents ''. Per the XXXX website, they stated that from the point of view of XXXX XXXX there can be no foreclosure of a mortgage without the party claiming rights under the mortgage showing that they purchased the mortgage for value. Then, I contacted the State of Florida notary division and requested documents on XXXX XXXX who sign the Assignment of Deed of Trust along with XXXX XXXX, the notary that notarized this document! On XXXX XXXX XXXX, we received a letter from the Florida Department of State dated XXXX XXXX XXXX. Per the application that XXXX XXXX filed with the State of Florida reflects that XXXX XXXX works for Ocwen Loan Servicing LLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. XXXX XXXX date of birth is XXXX/XXXX/XXXX, Florida drivers license XXXX. XXXX XXXX also filed a State of Florida XXXX XXXX XXXX XXXX form which reflects the surety company that has the bond with is XXXX XXXX XXXX XXXX XXXX of XXXX. Per the State of Florida website, it reflects that XXXX XXXX has a notary, ID # XXXX, issued on XXXX/XXXX/XXXX and expires on XXXX/XXXX/XXXX and the bonding agent is XXXX XXXX Bonding. Per the State of Florida documents, XXXX XXXX who notarized this document works for Ocwen Loan Servicing at the same address as mentioned above. XXXX XXXX date of birth is XXXX/XXXX/XXXX and his Florida driver 's license number is XXXX. XXXX XXXX also filed a State of Florida XXXX XXXX XXXX XXXX form which reflects the surety company that has the bond is also with XXXX XXXX XXXX XXXX XXXX of XXXX. Per the State of Florida website, it reflects that XXXX XXXX has a notary, ID # XXXX, issued on XXXX/XXXX/XXXX and expires on XXXX/XXXX/XXXX and the bonding agent is XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX both work together at Ocwen, got there notaries at the same time for Ocwen Loan Servicing benefit! This is a clear violation of the use of State notary stamps which is against the law when used unlawfully! On XXXX XXXX XXXX, I filed a complaint with the Office of the Governor Notary section in Florida against XXXX XXXX and XXXX XXXX who work for Ocwen loan Servicing! Per a federal judge, XXXX. a private company known as XXXX and owned by large banks and mortgage processors, can not act as an agent of the banks that own mortgages, wrote XXXX XXXX XXXX. This statement means that XXXX can not transfer mortgages! The only company that can transfer a mortgage is the current investor only! Per XXXX states in item " XXXX '', poorly drafted mortgages, " here is an example of an absurdly drafted mortgage from the public records of Florida. Item C states ; XXXX is XXXX. XXXX is a separate corporation that is acting solely as a nominee for lender and lenders suc
Company Response:
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2016-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I recently acquired a Loan History Transaction breakdown from INDYMAC FEDERAL BANK HOMELAND SERVICING Pg XXXX ( XXXX ) and Noticed a Discrepancy on XXXX XXXX ( Pg XXXX ) were it changed to IndyMac Mtg Svcs /a division of Onewest Bank I noticed the principal did not change for the Year and escrow was not the same. Also Ck # XXXX was a Full Settlement Check I never received copies of. Violating TILA and RESPA
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2016-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes