Date Received: 2016-10-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I had asked for a payoff on my mortgage from Ocwen. I was startled to see that there was a {$52000.00} line amount that was titled Share Waive Adjustment. I called them and they stated I was in default of my loan modification that I had in XX/XX/XXXX. I defaulted in XX/XX/XXXX due to using the Save the Dream program. My husband was laid off and I was trying to save our house. I received a XXXX for the {$52000.00} in XX/XX/XXXX. I called Ocwen to ask about the {$52000.00} and why would I owe it now. It was explained that they could not add it to the mortgage. The Share Waive is for a loan called a Share Appreciation Modification where the loan servicer is entitled to XXXX % of the appreciated amount less any capital improvements for 3 years. I had read that I can reduce the Share Appreciation with Capital Improvements, so I had asked them if I could, they told me no. We just completely remodeled the kitchen. I had asked why I had received a XXXX for this. They could not answer me. Can you help me find out if I really owe this or if the amount can be reduced?
Company Response:
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2016-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My complaint is about OCWEN Loan Servicing , LLC . I have a scheduled foreclosure for Tues XX/XX/XXXX and I have written OCWEN, the CFPB, and OCWEN 'S attorneys asking to have the foreclosure cancelled with no response. I have an outstanding loan mod/offer to OCWEN to settle this case which has gone on nearly 10 years. It began with XXXX, then XXXX, then BAC, then XXXX, and now OCWEN. I have been to federal court twice. I have filed XXXX injunctions stopping foreclosures. I have had Servicers try to foreclose when they held my money in suspense acccouts and abused escrow accountI have had them lose {$120000.00}. Finally OCWEN had to recognie and pay back about {$32000.00}, leaving me {$90000.00} short of what I paid. I have had late fees placed on non late payments, I have not been reimbursed for tax payments, I have had XXXX liens placed on my property because OCWEN negligently forgot to pay property taxes so I had to pay to get rid of liens, extra costs and expenses. I have had natural and man made disasters occur on the property but received no help or FC mitigation from OCWEN. I have filed other CFPB complaints which I incorporate here but OCWEN will not answer questions about robosigning, dual tracking, mystery fees, environmental problems with the property, I have had them violate TILA, RESPA, FDCPA, the XXXX requirements and the XXXX consent orders. I have suffered all of the issues that OCWEN has been charged with repeatedly over and over.OCWEN 's only responses to me are to send my Note which is not indorsed to anyone after 10 tries, my Note and Deed which call XXXX the lender but XXXX was dissolved as a corporation in XX/XX/XXXX and did not have a broker or lender 's license when the mortgage was closed XX/XX/XXXX. Now in Ga there are new cases that state that a homeowner has standing to challenge anything and anyone who clouds the title to the property. Since I have a lender who is a pretend ender, and assignments based off the void transaction from the pretender lender meaning no one has any secured interest but me through the warranty deed, I would think OCWEN would want to negotiate and deal with the robosigning, dual tracking and other violations in their awful record keeping and incorrect periodic statemenets. Perhaps the CFPB can wake them up before I have to resort to a QT action and take the property free and clear. Please stop the foreclosure scheduled for tomorrow XX/XX/XXXX. In support of my summary of claims I have attached a letter and exhibits I sent OCWEN 'S attorneys XXXX XXXX XXXX in XXXX, the scheduled FC page as of today, the XXXX v. XXXX case I referneced, and a number of pages from the XXXX for XXXX pass through certificates XX/XX/XXXX-XXXX, noting the proper procedure, following the PSA, noting environental problems on property, restrictions on servicers, warnings about seervicer abuses of borrowers, how the tranches work, how payments work from servicer to primary servicer or the trustee, the serious penalties for violation of trust agreements, PSA, REMIC tax laws, improper handling of mortgages in REMIC pools of mortgages and so forth. Maybe the CFPB can investigate and talk some sense into a rogue servicer before they have to give up this property and allow me to exercise a right of redemption and get the property and all the money I paid already. Please see attachments re letter to attys and exhibits, some of which have been sent to CFPB, info on pretender lender, listing of numerous violations of CFPB enforced laws and regs, and operating without any common sense like we are all fools and despite what it has cost them they do not stop abusing homeowners. Thank you
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2016-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX, XXXX I was forced to relocate from XXXX to XXXX for my work. I was a single mother at the time and was purchasing a beautiful new townhome for my daughter and I in XXXX. I used the funds from my divorce settlement to purchase the home in XXXX. Before I moved out of state, I secured good tenants whose rents more than paid the mortgage on this home in XXXX. The mortgage was with XXXX XXXX XXXX. After my relocation to XXXX, the economy deteriorated rapidly and I was left with no choice but to file a Ch. XXXX XXXX in XXXX. As part of this filing, I surrendered my home XXXX and asked my tenants to move out. XXXX XXXX XXXX SOLD the mortgage to Ocwen who then SAT on the house until XXXX! In the meantime, I was sent to collections over and over again for past due XXXX XXXX dues for a property that I could NOT RENT and the bank WOULD NOT sell! When the foreclosure was FINALLY completed in XXXX, I was so relieved to be finished with YEARS of harassment and damaged credit that I had been trying to repair. I checked the XXXX XXXX XXXX 's office earlier this year and the bank did sell my home to another person in XXXX, XXXX. So imagine my surprise when I received a letter dated XXXX XXXX, XXXX from a collections agency for the XXXX XXXX stating that they had obtained a BANK LIEN against me in the amount of {$2300.00}. I was never even served! They do know that I live XXXX and could not have travelled to XXXX to defend myself. I have now been forced to retain an attorney XXXX to look into this matter. If I could sue XXXX XXXX XXXX and Ocwen for what they have put me through, I would do so. However, I know I would never win. This situation HAS to be illegal. How can I be pursued YEARS after paying a 5 year Ch. XXXX in full and losing my home in the process?
Company Response:
State: AZ
Zip: 85304
Submitted Via: Web
Date Sent: 2016-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: As a result of an IRS claim that I owed many, many {$1000.00} in back taxes ( it was a few {$100.00} ) I was force to refi my home in 2006. I needed to use Delta Funding ( no legitimate lender would ) because the IRS, despite claiming they would not file lean ( damage to credit ), did anyway as I was researching loans. XXXX XXXX was told I needed funds by a concrete date and planned to refi again as soon as I could get the credit matter behind me in a year or so. They structured a loan at an outrageous rate ( 8.75 % ) and sent the loan docs to me for review. As I have since my previous military reenlistment I read all the docs " thoroughly '' and a signing date was set for approx. 3 weeks before my " concrete '' due date with IRS. About a week before that date XXXX contacted me and claimed they had run into issues with the folks that were to manage the signing and asked to reschedule the date to the afternoon of the day before my IRS deadline. I explained the " Date '' issue again and was told not to worry that there was enough time to meet my deadline. What this " rescheduling '' effectively did was to have their person come to my place of business, in the middle of the day, frustrating me & my employer. As a result the paperwork was rather quickly signed without additional review. They managed to sneak by me an additional page that committed me to continue the mortgage for many years or pay a significant penalty. I caught this that evening when I got home and contacted XXXX immediately. They answered none of my calls or emails over the next several days. The funding happened on time. It took a bit of research but I found the only place I could complain about this issue was the NY AG. Nothing ever came of it. I resolved to simply live with it. After all, I signed so it was my responsibility. Over the next few years my financial situation began deteriorating and of course the market meltdown took place. When the mortgage modification business began I attempted to use the process. I made my enormous payments all along but was still working and at least had an income. Rather better off generally than the folks I was hearing about. Anyway, I contacted OCWEN to attempt the mod. It was DECLINED. Upset, but I still made the payments though I honestly considered simply throwing the keys on the kitchen counter and walking away. Well a few more years past and at XXXX yrs. old my 30 yr. employer told me to take a walk. Out of work I had to begin spending my XXXX savings to pay my bills and I decided to try a mod again. ( Declined again. ) It seemed that despite the fact that I was spending my retirement money to merely survive ( I assumed I would outlive it ) OCWEN felt that was OK by them. Well despite reading and hearing that a person could manage a mod without a lawyer, I was desperate and figured I had no choice. Told that OCWEN would likely not foreclose during the process, I gambled and paid an attorney and simply had to stop paying the lender. OCWEN, confronted by lawyers and no payments suddenly became interested in a mod. I finally got one this past spring. It helps, but frankly the lender loses nothing in the bargain. I have no equity, and am essentially a renter with the balloon payment. Anyway, my problem is this. OCWEN, though not required to, reported my delinquency to the credit bureaus. So regardless of their previous unwillingness to modify XXXX identical circumstances ) thus forcing me to stop meeting my mortgage commitment, my credit is ravaged. As a result, other than costing me more if I was interested in additional credit ( likely not XXXX, the reporting is now costing me more for insurances and credit I already have. So here I am jammed up by the IRS, defrauded by XXXX XXXX, helped the lender stay in the " black '' throughout the worst of the meltdown and I find myself a renter with horrendous credit ; does n't seem fair. XXXX.
Company Response:
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2016-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-03
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I believe OCWEN LOAN SERVICING LLP has instructed XXXX to terminate my insurance policy. I am concerned that Ocwen LLP may have ordered XXXX to terminate my policy. All of XX/XX/XXXX Ocwen has vigorously attempted to destroy my credit and seize my property in spite of my 6 year perfect payment history and only failed to do so because of multiple CFPB complaints filed to report the actions they took. Please look into this. Thank you. Sincerely, XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX ; Date : XX/XX/XXXX at XXXX PDT To : # XXXX XXXX XXXX XXXXXXXXXXXX Cc : XXXXXXXXXXXX Subject : Notice of Non Renewal Dear XXXX XXXX/ XXXX , I am hereby requesting in writing to receive a detailed explanation of why my insurance is being terminated. What is the exact number of claims allowed and how exactly did water damage claims exceed that amount, especially since we are reopening claims that were not completed properly the first time around. My concern is that Ocwen Loan Servicing may be calling the shots telling my insurance company what they are permitted to do and trying to control my insurance to an extent that may be illegal. Ocwen attempted to illegally seize my home immediately after posting {$76000.00} of Keep Your Home California money and {$5000.00} Hamp incentive that I was awarded for never being late, never missing a payment for six years since the XX/XX/XXXX Loan Mod. If not for the CFPB complaints I made immediately, Ocwen would have reversed the loan mod and called the loan due as they told me they were in the process of doing. I need you to confirm that Ocwen is not forcing XXXX to terminate my insurance. Will this action lower my credit score and make it difficult for me to refinance and escape Ocwen? Please send me proof that the number of claims exceeds underwriting guidelines. Are those guidelines written by OCWEN to protect Ocwen instead of the home owner 's property? In some conversations with Ocwen employees Ocwen seemed to be indicating that my homeowners insurance belonged to Ocwen, that I pay for it but it is to protect Ocwen 's interests, not mine. Thank you. Sincerely, XXXX XXXX Cc : DOJ XXXX CFPB
Company Response:
State: CA
Zip: 90710
Submitted Via: Web
Date Sent: 2016-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-03
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: OCwen loan Service. On XXXX/XXXX/XXXX OCwen Loan FL. was given Income statement and Forms over telephone for Modify Loan. On XXXX XXXX another Package was fax and Mail to XXXX location, XXXX. {$42.00}. As of XXXX XXXX Still no confirmation of Modify Loan. Ocwen Request fund wire A non-modify to XXXX. XXXX was paid. But My bank said the information is incorrect. to please get the right Address information before transfer again. I have tried to talk to my rep. Two week before you can get answers. try to contact. Now Ocwen is sending out Past due notice saying payment from XXXX to XXXX I keep informing them about the Modify. No Answer Ocwen. Ask them would they pay my property Tax.. they said once it Modify.. just last week they said they still working on Modify loan. it do not take 6 months to Modify A loan.. Since XXXX Ocwen took over this loan from GMAC and XXXX XXXX XXXX original loan was only for 2 months Before transfer to Homecoming finance, GMAC, Ocwen. Complaint on this Mortg. has been goin on since XXXX. Need to research this loan detail. I will pay once I get A confirmation Letter from Ocwen when this Modify is completed. as of XX/XX/XXXX.not completed by Ocwen. Many case has been file Case number : XXXX.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2016-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Following -up on case # XXXX which I disputed as follows : We have been going back and forth on the same issue : i.e. Ocwen does n't need to file a XXXX since there was no XXXX continuation ; however, Ocwen has been stating that did report the payoff to the county _ XXXX I know how did Ocwen did the reporting - letter, phone call, signs, announcements, etc ; whatever they did and in my estimate it could only be in writing therefore the need for a document - I request that Ocwen sends me a copy of 'the document ' they gave the county to report the pay off. With regard as your investor being XXXX XXXX, ( 1 ) please see your letter dated XXXX/XXXX/XXXX second page first paragraph in which you indicated that XXXX XXXX was the investor ; hence reason why you had shared related loan information with them. ( 2 ) See my letter dated XXXX/XXXX/XXXX to XXXX XXXX who indicated that XXXX XXXX had assigned note to XXXX XXXX XXXX in XXXX ; hence reason for their filing of a XXXX which later got cleared. ( copies of UCCs attached ). ( 2 ) How is it that XXXX XXXX who says assigned the loan to XXXX XXXX XXXX and files a XXXX in XXXX still owns the note with OCWEN servicing the loan on their behalf until XXXX and there is no UCC continuation ( by the way I never dealt nor did I know XXXX XXXX XXXX 's existence before XXXX when I close on another apartment ) and how is that Ocwen now has XXXX XXXX as the investor owner of the loan when you indicated that XXXX XXXX had assigned the loan to XXXX XXXX (? ) did XXXX XXXX assigned and the retrieved the assignments back and forth? ( 3 ) With regard to late payments, my question was 'why did Ocwen held this loan in their collection unit ' when the loan as you pointed out had a minor late payment. ( which was, by the way, an error on Ocwen because I have never been late on paying this mortgage ). Please advise I also enclose copies of the XXXX originally filed by The XXXX XXXX Bank in XXXX which was cleared the same date. Your investor had taken over the note at the time but did n't file for a XXXX but decides to file XXXX in XXXX (? ) why I hope you understand my confusion and why your repeated same answers do not offer any clarification. Hopefully my questions are clearer and you can address them accordingly. I 'll be happy to clarify them for you should you need to.
Company Response:
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2016-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: i am a ocwen customer, but i never reeived any information about the lawsuit on the mortgage company place insurance, i believe but am not sure that i filed a claim in the XXXX suit, but have received no response. I am being threaten with forclosure, i filed a loan modification and it was denied, what can i do?
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen scheduled a foreclosure auction after the loss mitigation application was deemed complete by their underwriters, in violation of the CFPB 's prohibition against dual tracking
Company Response:
State: MA
Zip: 01930
Submitted Via: Web
Date Sent: 2016-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was approved by my current mortgage company for a home modification. I accepted the offer and began to arrange my payment amount and monthly budget. I went to my mortgage company 's website and found an option that allows a payment plan that would automatically deduct payments from my checking account. I signed up and the payments began to be deducted automatically. After multiple payments were applied to my account the next few payments changed, not by myself and to this day I do not who changed the amount and why. I called my mortgage company to ask questions, a few payments were reversed from being suspended and applied to my account. This changed caused the wrong amount to be deducted from my checking account in turn resulted in the delay of payments. I received a letter from my mortgage company stating that the trial payment plan is no longer accepted due to lack of payment amount. If the amount of the payments were not changed the correct amount would have been deducted. I am requesting help in this matter. I do not want to be forced out of my home. Thank you
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No