Date Received: 2016-10-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: 5th compliant on my mortgage company. Well finally got my escrow and monthly payment corrected which is good. But they have found another way to affect me. They are doing updated every month to the credit bureau stating I am past due 30,60,90 then couple days later update it saying I am current. I am not past due and have not been past due on my mortgage. I get a credit alert from my credit card company for any changes that happen on my credit file. I am uploaded the information for you to see what they are doing. I work my XXXX off to get my credit back on track during my bankruptcy. In XXXX my credit score was XXXX as of XXXX it is now XXXX. They know my bankruptcy is being discharged this month and I have said in all of my previous compliant I want to get away from them when it is done. So now they are affecting my credit score where as I can struck with them forever. Every month since XXXX they have been reporting wrong information on my credit file. I am at wits end with this company.
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2016-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: First of all good morning and thank you for taking the time to help me. My issue is with Ocwen, who is a debt collector, supposedly working on behalf of a XXXX XXXX. I know with certainty the product is not regarding a mortgage, though that is what I have been led to believe all along, so am choosing the " mortgage '' option as a default. The product sold to me is more like an installment loan with patents, copyrights and trademarks behind it but that is not what my complaint today is about. Regardless of what the underlying instrument actually is on the " mortgage '' account in question, I, a woman, have been trying in good faith to settle the account for quite some time now. Not only is this debt collector engaging in unfair and deceptive business practices, but they also leaked an internal email to me clearly showing collusion and collaboration among their employees and outside counsel. I made a monetary offer to settle and the internal employees ganged together saying this would not be an option and the account in question would accelerate to foreclosure if I did not accept the unsolicited modification they offered me - is n't that like the XXXX asking for a protection payment or something? Sure, the world of debt collection is a dicey proposition but this seems to reach above and beyond fair debt practices. I am a reasonable woman, looking for a reasonable solution. I am not interested in more chicanery and deceit with Ocwen or its affiliates. I am also attaching a letter from an independent auditor regarding the instrument in question. This may or may not be useful in your investigation of this matter. Thank you for your time. I really appreciate it.
Company Response:
State: CT
Zip: 06880
Submitted Via: Web
Date Sent: 2016-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan with Ocwen is on auto-payment and they reported payment as late XXXX 2016 preventing me from closing on my escrow. I am a XXXX of XXXX, a XXXX. I was XXXX to XXXX in XXXX, the month of the reported late payment. I submitted a copy of my orders to XXXX and duty sheets. I submitted a copy of a letter from my XXXX XXXX. I submitted a copy of my banks statements, my XXXX accounts for XXXX. Go to inciweb.nwcg.gov XXXX see attached screen shot XXXX XXXX while XXXX the automatic payment failed because I was completely unable to transfer from XXXX account to the account Ocwen debit from until XXXX XXXX -- when I was not yet 30 days late. On XXXX XXXX on my bank account page XXXX which Ocwen debit from to see that I transferred {$1900.00} from my XXXX XXXX XXXX XXXX The bank teller told me Ocwen was attempting to pull the dollars owed again because she could see an Ocwen withdrawal pending on her screen. She showed me the screen. I was satisfied I would n't be late & Ocwen 's information should match. For whatever reason Ocwen 's pending debit did not happen. If I did not believe the screen I 'd have phoned my payment in and not been late! I very clearly intended to pay & arranged for the payment to be on time. I feel I qualify for the XXXX Code on my credit report to prevent the dropping of credit scores due to XXXX disaster.
Company Response:
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2016-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: COMPLAINT XXXX. ROBOSIGNING. My problem is OCWEN. They have a foreclosure scheduled for Tuesday, XXXX XXXX, XXXX which I wish cancelled because I have an outstanding offer of settlement to OCWEN with no response re in over 90 days, and the title is clouded with a XXXX ( Exhibit A ) filed during litigation, and because of prior discussed Pretender Lender, American Mortgage Exchange XXXX XXXX XXXX " XXXX '' XXXX who set up the loan closing illegally but was not a registered corporation nor a licensed Lender XXXX. There are XXXX assignments which cloud the title bec of robosigning, including XXXX, XXXX, XXXX, XXXX, & XXXX, XXXX. Since the original purpose of the XXXX was to stop robosigning, and CFPB has responsibility to enforce the XXXX, I will show that robosigning and fraud is at work at OCWEN despite prohibitions. The first assignment was recorded XXXX XXXX, XXXX by attorney XXXX XXXX signing for XXXX as nominee for AME listed as " lender. '' ( Exhibit B ) .It was not the lender because it was unqualified and unauthorized to operate as a corporation or licensed lender. This assignment is VOID since XXXX had no security interest to transfer. In a normal case there would be nothing wrong with the form and substance of this assignment. It was executed by attorney XXXX and there is no robosigning. ( Exhibit B ). The first page of Ex B is the assignment on my property from XXXX to the trust, XXXX XXXX XXXX ( " Trust '' ). The rest are other assignments by the same firm where witnesses and signatures are consistent and the notary and corporate stamp are affixed. The second assignment ( Exhibit C ), was filed XXXX XXXX, XXXX from XXXX for XXXX. The signatories are suspicious and several of these individuals are robosigners with their activities identified. This doc is from XXXX to the Trust, signed by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. All XXXX are listed as robosigners on lists circulated to attorneys and parties. The signature of XXXX XXXX raises serious questions of authenticity. XXXX XXXX is listed on the XXXX XXXX XXXX Approved ( recognized ) Robo-signer List. XXXX XXXX, an expert on this fraud for years has her list used by numerous XXXX property clerks around the country who will not accept documents from people on this list absent verification. See Exhibit F for lists of robosigners ). Exhibit D is an assignment re my XXXX mortgage dated XXXX XXXX, XXXX. It is not involved in this case but is useful for comparison. My assignment created by XXXX robosigning factory in XXXX, XXXX has robosigners XXXX XXXX, ( signature stamp ) that could be used by anyone, XXXX XXXX who signs for XXXX to another Trust, XXXX XXXX XXXX XXXX XXXX, and signature varies wildly in assignments, XXXX whose signature varies. Viewing these same signatures in the other assignments shows XXXX is a stamp, XXXX is a mass of differing circles, and some of notary XXXX XXXX signatures vary. XXXX is the primarily cited robosigner. Exhibit XXXX is the third assignment in my case and each of the XXXX signatures is a robosigner. This doc was prepared for OCWEN and filed XXXX XXXX, XXXX, well after OCWEN had signed many consent orders not to allow robosigning. The XXXX robosigners here are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX 's signature is the most fraudulently signed as here and in the other assignments for OCWEN. The last assignment example, XXXX, shows the absurdity of uncontrolled robosigning for OCWEN. Exhibit F identifies the robosigners discussed in my assignments from the XXXX list & other lists. Some are ranked depending on what has been reported by litigants through affidavits, depositions, recognition & prevalence. OCWEN persists in condoning robosigning which is fraud.
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2016-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Wells Fargo is foreclosing on my second mortgage when I have repetedly requested copies of payments made agreements made with XXXX and XXXX statements NONE OF WHICH I HAVE YET TO RECEIVE. I am now receiving harrasing letters phone calls from the collection law firm that Wells Fargo has hired to foreclose on my loan
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2016-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: failure to provide continuity of contact in a timely manner. on several occasions over the past couple of weeks both via e-mail and telephone I have asked Ocwen to contact me regarding questions I had about their loan modification offer. to date they have failed to contact me regarding.
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2016-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: WE REQUEST A RESPONSE, PERTAINING TO OUR QUESTIONS ONLY AND NOT ANY ADDITIONAL INFORMATION AS OCWEN CONSTANTLY WANTS TO PROVIDE! WE DO NOT WANT XXXX XXXX IN THE OMBUDSMAN OFFICE TO RESPOND TO THIS COMPLAINT. XXXX XXXX CONSTANTLY PROVIDES ADDITIONAL INFORMATION WHEN IT WAS NOT REQUESTED, FAILS TO RESOLVE ANY ISSUES! FAILS TO PROVIDE THE INFORMATION THAT WERE ARE SEEKING THROUGH THE CFPB AND FAILS TO PROVIDE DOCUMENTATION. FAILURE TO COMPLY WILL RESULT IN MORE COMPLAINTS FILED AGAINST OCWEN LOAN SERVICING PRIOR TO LEGAL ACTION! Last week, I contacted Ocwen Ombudsman office and requested to have a supervisor call me regarding multiple issues. On XXXX XXXX XXXX at XXXX, I called Ocwen Ombudsman office again and spoke with XXXX. She stated that XXXX called us. We reviewed our voice mail and caller ID log and there was no call originated from Ocwen Loan Servicing! As of today, Ocwen has failed to contact us and speak to us regarding the issues that we have. I want to inform Ocwen Loan Servicing that I am a XXXX combat veteran. I get paid for my XXXX through the federal government. If the federal government shuts down for any reason, we would not be able to pay our mortgage. This would be no fault of ours! With this being said, if Ocwen Loan Servicing or any other company dealing with our mortgage loan tries to foreclosure in the future especially without the proper documentation, our attorney and I will request to go to foreclosure mediation where we will in fact inform the court of the fraud and robo-signing that has occurred with this loan! Now ; as Ocwen Loan Servicing is fully aware, we had a modification on XXXX XXXX XXXX from Litton Loan Servicing. We started paying on that modification when we found that the modification was fraudulent and stopped paying. On XXXX XXXX XXXX, Litton Loan Servicing filed for foreclosure and recorded this document with the XXXX County Recorder 's Office. We are fully aware, per the Security Exchange Commission that XXXX is the master servicer. The role of a master servicer is an entity that acts on behalf of a trustee for security holders ' benefit in collecting funds from borrower, advancing funds in the event of delinquencies and in the event of default, taking a property through foreclosure. We are requesting the following questions to be answered and provide documentation. First, did XXXX participate with our foreclosure ( s ) dated XXXX XXXX XXXX? Second, who or which company has Ocwen Loan Servicing been sending our monthly mortgage payments to each month? Keep in mind ; failure to respond by answering my questions and failing to provide documentation as requested may appear that Ocwen Loan Servicing is hiding something that maybe against the law! If Ocwen does not have this information, Ocwen can request this information from the appropriate company or companies! Failing to answer and provide documentation as requested will result in more complaints and action taken against Ocwen Loan Servicing!
Company Response:
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2016-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen sent my home into foreclosure in XXXX XXXX. Long story short, I paid it in full at the end of XXXX XXXX in the amount of {$22000.00} via wire. The amount needed to cure my mortgage was {$22000.00}. After that, I had no late payments and was not notified of any fees. When I pulled up my XXXX XXXX statement there was {$200.00} in " Past due fees/ other charges. '' I called Ocwen in XX/XX/XXXX and they did not know why the fee was on there since I paid XXXX the cure amount and had no late payments after that. They said they were sending it to their research department and would email me with the result in 10 days. I called today ( XXXX/XXXX/XXXX ) and spoke to operator # XXXX. He told me that Ocwen emailed me on XXXX/XXXX/XXXX with an explanation of the fees but I can assure you I received no such email. I 've been monitoring my email very closely for that letter because I 'm in the process of selling the house and moving into a new XXXX - I needed the letter to explain why there were fees and when they would be removed. During the foreclosure process ( which was sketchy at best ) Ocwen assessed me with XXXX " Property Inspection Fees '' totaling {$270.00}, all dated XXXX/XXXX/XXXX. They never came to the house and XXXX fees is very questionable. I 've attached that history so you can see all the fees/ charges we were assessed. I 'll also attach the XXXX XXXX statement where I noticed the {$200.00} that Ocwen is claiming was for processing after I had XXXX cured the mortgage. I do n't receive letters they claim to have sent, I can never get an answer when I call them, they wo n't remove fees that they never told me about and make no sense, and trying to understand anything with them is impossible. I am hoping you can help me by reviewing the fees I was assessed and by forcing Ocwen to return any unfairly assessed fees to me. In addition, I filed for a loan modification XX/XX/XXXX with them ( I may be wrong on the month ). They never wrote me or advised me of their decision. When I called they said it could take up to 6 months. I never received a decision or a loan modification. I 'm at my wits end with them and I truly do n't know how they are able to legally operate a business in this country. I would truly appreciate any assistance you can give me because trying to work with Ocwen themselves is impossible. Thank you in advance - I am glad you 're there to protect consumers.
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2016-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-04
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I had already filed the complaint against XXXX where this mortgage first began. My now ex-husband was to take responsibility of the payments of the home since he was still residing in it and he was to get the mortgage out of my name completely. I was informed that XXXX did a modification which they would not supply me paperwork showing I agreed to any changes. Then it was sold to Ocwen Loan Servicing. Again no one at Ocwen will supply the paperwork showing that anyone had the authority to make changes to the original mortgage without my consent.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2016-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had a mortgage with GMAC ( who is now bankrupt ) that was paid off XX/XX/2011. I sold my house a month ago and the title company wo n't release my money until the lien is taken care of. I have a letter from GMAC stating the loan is paid off and that they will notify the county offices from XX/XX/2011 but they never released the lien. I have talked to Ocwen who took over GMAC numerous times and even received a letter from them stating they do not have the authority to release my lien.
Company Response:
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2016-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No