Date Received: 2016-09-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Having escrow problems with Ocwen Mortgage Co.. I have a Hamp loan that started in XX/XX/XXXX, that loan was prepared by a XXXX XXXX XXXX That loan was sold to Ocwen in XX/XX/XXXX Have had trouble with the escrow of my wind/hail since the first year!! When I talked with company they said it was n't built into the loan that was tranferred to them?? Then I was told that the amount was escrowed in a different dept, that was in XX/XX/XXXX Last year, XX/XX/XXXX, I had to pay the wind & hail on my credit cards to ins co.. Wind & Hail is required in the area we live in it is a coastal community!! It is paid to the XXXX XXXX XXXX You ca n't paid that in payments it has to be full balance, that is why it has been escrowed in my loans!! They are escrowing now, at my request, but never imagined that they would escrow me out of a loan, my monthly payment went up XXXX + dollars, two months ago.. This makes the loan out of reach for me, this is why I have the Hamp loan to begin with!! As of now my Hamp loan is at the five year mark and readjusts XX/XX/XXXX.. It goes up 1 % .. Ocwen has sent a letter giving the amounts for XX/XX/XXXX, it goes up another XXXX+ dollars, making the loan which is now out of reach even worse!! I am XXXX & XXXX living on a XXXX.. I am requesting attention to this loan & escrow payment myself to Ocwen.. Really do n't wont to have to start over with another Hamp loan !! But at this rate it seems I might not have a choice!!
Company Response:
State: NC
Zip: 28412
Submitted Via: Web
Date Sent: 2016-09-29
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: COMPLAINT 1 This complaint is against OCWEN Loan Servicing who has scheduled another foreclosure on my property for XXXX XXXX, XXXX. I wish this foreclosure stopped and cancelled due to OCWEN 's continued violations of law. OCWEN has scheduled foreclosures on my property for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX, XXXX. That is XXXX foreclosure attempts in one year. Dual tracking is alive and well at OCWEN. I wish to file this complaint with the CFPB for OCWEN 's repeated violations of law & repeated refusal to respond to the CFPB and to Borrower 's complaints to the CFPB concerning issues covered by Dodd-Frank Act, CFPB regulations including Reg Z & Reg X, RESPA, TILA, FDCPA, and the numerous federal consent orders OCWEN has signed. I have filed prior complaints with the CFPB against OCWEN and have never received proper to detailed legal and factual questions from OCWEN representatives. OCWEN 's responses are in the form of long, repetitive letters not addressing the violations, and sending the OCWEN accounting history of the " loan '' but not the prior Servicers ' accounting history despite their requirement of life of loan documentation from all Servicers. Any specific violations such as robosigning, fraudulent acts or documents, VOID documents, suspense accts, escrow, sanding, pretender lender, dual tracking, etc. are denied or ignored in responses. Any judge would have ordered a Motion to Compel with Sanctions against OCWEN for refusal to answer responses or be honest. OCWEN has repeatedly refused to respond to specific violations concerning : ( 1 ) robosigning ; ( 2 ) lack of standing from illegal non-bank lending without a registered corporation or lending license in the state where loan originated ( " pretender lender '' ), such as XXXX did in NY where it operated under the name " Americas ' Wholesale Lender '' allegedly under " the laws of NY '' while not incorporated in NY and no lending license in NY causing XXXX XXXX VOID mortgages ; ( 3 ) ignoring breaks in the chain of title at every stage, & accepting robosigned documents as assignments ; ( 4 ) accepting XXXX ' assignment of fraudulent deeds ; ( 5 ) dual tracking ; ( 6 ) violation of the required pre-foreclosure notification for high priced loans ; 7 ) issuing inaccurate demand letter prior to foreclosure attempts and never correcting such ; ( 8 ) attempting to use unendorsed, fraudulent Notes for standing in foreclosures ; ( 9 ) attempting to use fraudulently assigned deeds for standing in foreclosures ; ( 10 ) refusing to address loan modification requests from Borrower including pay off option ; ( 11 ) failure to send accurate regular statements ; ( 12 ) failure to correct obvious errors in statements ; ( 13 ) refusal to credit Borrower monies paid amounting to {$120000.00} ; ( 14 ) failure to pay property taxes causing Borrower to have XXXX liens, incurring extra penalties, and bad credit reports ; ( 15 ) failure to disclose fees, charges, penalties, mystery fees ; ( 16 ) failure to send accurate and reasonable escrow charge statements ; ( 17 ) improper use of Suspense Accounts ; ( 18 ) charging fees and expenses to monies held in Suspense Accounts ; ( 19 ) sending inaccurate statements to Borrower with extreme monthly swings in category figures ranging from {$30000.00} to {$150000.00} ; ( 20 ) sloppy and inaccurate accounting & deficient platforms for handling transferred accounts ; ( 21 ) refusal to respond or deal with disaster occurrences to property ; ( 22 ) failure to present accurate reinstatement figures in statements ; ( 23 ) intentionally and knowingly using fraudulent and VOID documentation such as the basis for foreclosures ; ( 24 ) imposition of unwarranted fees, improper use of suspense accounts, & failure to credit Borrower monies paid ; ( 25 ) other violations of law to be presented in companion CFPB complaints with proof.
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2016-09-29
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: Ocwen Loan Servicing , LLC . ( OCWEN ) took over my loan from XXXX XXXX, XXXX. OCWEN told me that my last payment was make on XXXX XXXX, XXXX in the amount of {$1200.00} and my next payment is due on XXXX XXXX, XXXX and the amount is {$9500.00}. My last payment is made on XXXX XXXX, XXXX and more payment was made before the year XXXX. OCWEN gave me the incorrect amount the bank say that I own them, the total payment OCWEN did not add to my account is {$45000.00}. Base on this dispute and the servicer to prepare the loan modification for me said that they did submit the loan modification on XXXX XXXX, XXXX. The peoble help me did call in to check the status for my loan modification on XXXX XXXX, XXXX, she talked to XXXX XXXX ID XXXX, he said that they do not have my loan modification on their system. He request me to re mail or email or fax and I am at work righ now to try make money to save my house, I am so confuse the way OCWEN treated as their customer. She call in today to request the correction for my loan amount and talk to XXXX XXXX, OCWEN refuse to help and request to write them a letter with all evidence, I have to go back to the bank with an account made payments to XXXX XXXX XXXX back then to request these cancle checks back in XXXX, XXXX and XXXX, I do n't know how long does it take to get these evidence back to them. Attached : Important Message about your loan from XXXX XXXX XXXX XXXX XXXX date XXXX/XXXX/XXXX Home loan payment due XXXX/XXXX/XXXX is {$8800.00} and the IMPORTANT MESSAGE ABOUT YOUR LOAN Enclosed is and escrow analysis for your loan. The purpose of this notification is to advise you that the escrow portion of your payment is changing to {$1200.00} effective XXXX XXXX, XXXX. ( Exhibit A ) The original payment is {$7500.00} how my next payment is due on XXXX XXXX, XXXX ( this information is incorrect ) with the amount {$9500.00}?? I submitted the loan modification and they do not have it in their system for over 10 days and their calculation is in correct for the amount that I own them. I am so sad and do not know what to do to keep my house because OCWEN does not want to help me. " The subprime debacle, which I would define as loans that should n't have been made and packaged that originated between XXXX and XXXX, was probably the biggest Ponzi scheme in thehistory of mankind. '' XXXX XXXX XXXX, XXXX, opening speaker, " The Subprime Mortgage Fallout, '' XXXX XXXX of California XXXX Annual Real Property Law Section Retreat, XXXX XXXX, XXXX. XXXX the subprime meltdown, banks abandoned traditional underwriting practices and caused a frenzy of real estate speculation by issning predatory loans that ultimately lowered property values in the United States by 30-50 %. Banks reaped an unprecedented harvest. XXXX XXXX, XXXX of XXXX XXXX, took home more than {$100.00} XXXX during the seven years.Banks issued millions of predatory loans knowing that the borrowers would default and lose their homes, and then committed perjury and fraud to fabricate documents in the foreclosure process. As a direct, foreseeable, proximate result, XXXX XXXX families are now in danger of foreclosure, and i am facing illegal foreclosure of my home at a Trustee 's Sale scheduled for XXXX XXXX, XXXX. 1n responding to the foreclosure crisis in California, the City and County of XXXX XXXX 's Office of The Assessor-Recorder of XXXX XXXX had retained XXXX
Company Response:
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: During the " Mortgage banking scam years '' we took out a mortgage on our current home - this going back close to 14 years ago. Since then we 've had several mortgage serving companies and as we did research, we discovered they are defunct now or they are somehow affiliated to each other - ie. stock holdings. Each time the servicing company was changed ( not by our doing ), we were hit with fees and the like. There have been 4 or 5 companies in 14 years. We have been in Federal Court for almost two years ( XXXX et. al, v. XXXX XXXX Mortgage ). We joined the class action ( almost two years ago ) being represented by the XXXX XXXX XXXX ( XXXX, FL ). Months later, the XXXX was shut down for fraudulent dealings by the XXXX 's office in FL. and CT. Filing pro se, my wife and I ( Federal Court recommended we do so ) filed an amended complaint. We contacted several NJ-based mortgage attorneys but were turned down due to the XXXX mess and ( candidly stated ) not enough money involved. With the original filing possibly being dismissed, we filed the amended complaint citing ( seemingly collusive ) fraud and later supported it with the governing laws that applied. This was indeed difficult to navigate since as pro se filers, our knowledge is limited and the research massive. The case is still in Federal Court ( Civ. # XXXX ) here in New Jersey. The amended complaint cites XXXX XXXX, Ocwen Loan Servicing, XXXX XXXX Mortgage and other financial institutions. The original XXXX complaint is still not dismissed thankfully due to our amended complaint 's stance and filing. To our knowledge, my wife and I are the only ones still continuing this case - the other XXXX have not responded to the Court 's repeated attempts to contact them directly. There are over XXXX families involved here which the XXXX XXXX XXXX bilked out of hundreds of thousands of dollars. The XXXX 's office in FL. assigned a Receiver and so far from online docs, the Receiver has recovered only {$1000.00}. XXXX XXXX XXXX is now the " XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX '' - XXXX-based as was the XXXX XXXX XXXX. He seems to have lost his legal standing but somehow not fully accountable for defrauding so many people - the joined the original class action. We understand why the others have not continued with their complaint. We alone are approaching two years, several court hearings, facing a battery of law firms and no one to represent us. This is an uphill battle and one worth pursuing. We commend the Federal Court for their ongoing openness and civility. The Court has been extremely lenient with our pro se filed amended complaint and when it is finally put to rest, we hope our complaint will be decreed in our favor.
Company Response:
State: NJ
Zip: 07424
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen mortgage foreclosed on my home XXXX while my mortgage was being processed for a modification. I retained an Attorney and Ocwen rescinded the foreclosure. XXXX XXXX. My credit report reflects my property is forclosed. I was recently declined an employment opportunity because Ocwen incorrectly reporting my mortgage to the XXXX credit Bureaus XXXX, XXXX, XXXX .Please Help
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been paying my mortgage faithfully with Ocwen Mortgage for more than 2 years, I recently discovered they were not reporting my payment history as they are supposed to. I 've been in contact with all XXXX agencies of credit reporting bureaus. Ocwen. assured me each and every time that they have been reporting, however they are not reporting per my credit reflections, in return driving my credit score down by more than XXXX basis points, preventing me from refinancing my home. My loan is a fixed interest XXXX Mortgage. I have sent numerouse letters and received letters stating as such ( they have reported to all XXXX bureaus ) THEY HAVE NOT ... I 'm at wits end and very frustrated, It 's my understanding that per XXXX reviews on this company this is a ongoing problem and people are just as fed up as I am. So I ask how can the CFPB and FTC allow this company to operate in such a rogue way? There are many suits and complaints out there but yet, nothing is done about it. They are still treating their customers in a way that is operating against the law. Amongst other severe violations that have been documented. So once again how long can the Law continue to ignore this companies breaking of many laws?
Company Response:
State: NY
Zip: 14224
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Hello, Once again I am complaining about Ocwen and their services and ways to try get you kicked out of your home. I have written multiple complaints about them XXXX us up on our escrow and how they miscalculated. Well we are currently 2 months behind, not 3, 2 and I went the make a payment via online but was refused, so I called. Well I spoke with mulitple associates, one being a XXXX number XXXX and he advised me that we are 3 months late and we can only make a payment via XXXX XXXX, bank wire, and or cashiers check. we need the total amount of {$3500.00} +/- some change by XXXX tonight. Well back in XXXX our monthly payment was {$1300.00} and so we made a payment in XXXX for {$1300.00} but it was suspended on our account, the money was taken from our bank account mind you but it was suspended so it makes it seem like we are behind a month. We owe for that month {$260.00} that we were short because they raised our payment due to the escrow. Well we have been late every month and today again I go to make the payment and now they wo n't take it. My question is why they are holding that payment, they say because it was n't in full, but it again was due to the escrow problem. The point is I made the payment and we are only technically 2 months past due, not 3 as they are implying. They will not help us financially, they wo n't re-modify us, they did lower our payment from the multiple complaints I have made with the CFPB regarding the escrow, but only {$40.00}. So why ca n't we pay our bill!! It 's not our fault they XXXX up our escrow, not {$40.00}, but more like {$200.00} extra a month! I have enclosed a copy of our payment history and they suspended payment is on there. We have had one payment reversed but that was due to a closed checking account, but it was paid within a day or two. I just want to make my payments, affordable payments, and stop the constant paper trail of false commitments from Ocwen stating they will help us and they keep denying us help because of our investors!! Also making us pay for the postage!!! In conclusion, we just want to make our payment and try to get ahead, but affordable payments. Acct # XXXX Thank you XXXX XXXX
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: MY FIRST PROBLEM STARTED XX/XX/XXXX, WHEN I TRIED TO MAKE PAYMENTS TO OCWEN, I WAS TOLD TO MAKE PAYMENT TO A XXXX XXXX ACCOUNT THAT WAS FROZEN, THEN WAS TOLD TO SEND PAYMENT THROUGH XXXX XXXX THE ACCOUNT WAS RED FLAGGED AND FROZEN. THESE DELAYS CAUSE LATE FEES AND OTHER FEES. XX/XX/XXXX, FIRST MODIFICATION WAS DECLARED OVER. WAS NOT INFORMED THIS WAS HAPPENING, UNTIL IT WAS DONE. WAS BEHIND A FEW MONTHS DUE TO BEING ON XXXX LEAVE, SO XX/XX/XXXX, WAS LAID OFF FROM JOB. MAKING BEST I COULD. I HAD SENT A PAYMENT XX/XX/XXXX, OCWEN WAS HOLDING THE PAYMENT, AND CHARGING LATE FEES TO THAT PAYMENT. FOUND OUT THIS IN XX/XX/XXXX, AND THEN THEY WERE SENDING PEOPLE OUT TO APPRAISE MY HOME, AND THREATENING ME TO FORECLOSE ON HOME IF DID NOT COME WITH FULL PAYMENT AND LATE FEES AND OTHER FEES THEY HAD INCURRED. I DID NOT HAVE THE MONEY, SO I BORROWED THE AMOUNT NEEDED TO BRING ME CURRENT XX/XX/XXXX, THEN OCWEN WENT UP ON MY MORTGAGE RATES AND PAYMENTS FOR MY PAYMENT XX/XX/XXXX. TWO TIMES THE AMOUNT I WAS HAVING PROBLEMS WITH BEFORE.I HAD EXPLAINED, I JUST LOST MY JOB. I WENT TO THE WEB SITE AND I FOUND A SECTION THAT SAID YOU CAN ASK FOR HELP. SO I APPLIED FOR A HARD SHIP, AND A LOAN MODIFICATION. THIS WAS XX/XX/XXXX. I FAXED THIS INFORMATION TO OCWEN, THEY SAID THEY RECEIVED IT. A WEEK LATER, I RECEIVED A LETTER ASKING FOR THE SAME INFORMATION, AND ONE FORM THAT WAS MISSING THE FIRST TIME. I FAX THE INFORMATION AGAIN WITH FORM. TWO DAYS LATER ANOTHER LETTER CAME, I NEEDED VERIFICATION OF MY RESIDENCE. SO I GOT A LETTER FROM MY BANK AND FAX IT TO OCWEN. MEANWHILE I GETTING THREATENING CALLS, SEVEN DAYS A WEEK ALL TIMES OF THE DAY AND NIGHT. XXXX. WORRIED ABOUT LOSING MY HOME. I SPOKE TO SEVERAL AGENTS ABOUT MY SITUATION, THEY ALL KEPT REFERRING ME TO MY PERSONAL ACCOUNT MANAGER, WHO NEVER WAS AVAILABLE FOR ME, ALWAYS NOT THERE, NEVER CALL WHEN SCHEDULED CALL TIMES WERE MADE. I WOULD GET SOMEONE ELSE WHO, DID NOT HAVE FULL UNDERSTANDING OF MY CASE, WHEN I ASK FOR REAL HELP, I WAS DIRECTED TO APPOINTMENT WITH MY ACCOUNT MANAGER. LETTERS START TO COME ON REGULAR BASIS, BUT NOTHING ABOUT THE HARDSHIP AND LOAN MODIFICATION. NOW I AM THREE MONTH BEHIND ON MY MORTGAGE AND HAVE NOT RECEIVED A LETTER OF RESPONSE OR ANY INFORMATION ABOUT THE HARDSHIP OR LOAN MODIFICATION. I GOING INTO MY FOURTH MONTH NOTHING, NO LETTER, NO FAX, NO RESPONSE. I SENT MY APPLICATION XX/XX/XXXX, NOW IT IS XX/XX/XXXX AND NO RESPONSE. I 'M AFRAID OCWEN WAS NEVER TRYING TO HELP ME AND THEY ALOUD TIME TO ELAPSE, PUTTING ME FURTHER IN A NO WAY OUT SITUATION. I JUST FOUND FULL TIME WORK XX/XX/XXXX. I THOUGHT TO LET SOME IN OCWEN KNOW, I CAN START PAYING A MORTGAGE AGAIN, BUT I NEED SOME HELP WITH THE TERMS OF OLD MORTGAGE. NO ONE WILL ADDRESS THE ISSUES I HAVE ABOUT THE OTHER FEES, THEN ADDED USURY COMPOUNDED INTERESTS CHARGES, WHERE I CLEARLY, ASKED FOR HELP, BEFORE MY NEW ARRANGEMENT BEGAN XX/XX/XXXX. I HAVE CHANCE FOR A START TO CLEAN UP A LOT DEBT AND MY MORTGAGE SITUATION, I JUST NEED SOME TIME AND ASSISTANCE, TO GET BACK ON TRACK. OCWEN HAS BEEN A NIGHTMARE EVERY SINCE XXXX XXXX XXXX SOLD MY MORTGAGE TO THEM. I BELIEVE THEY DECEIVED ME INTO THINKING HELP WAS AVAILABLE, BUT INSTEAD MADE MY SITUATION WORSE. I WANT MY HOME. I WORKED HARD TO GET MY HOME AND THE ONE TIME, I FELL ON BAD TIMES, OWEN OFFERED TO HELP, AND THEY MADE THINGS WORSE, AND NOW WANT TO TAKE MY HOME. ALL I HAVE LEFT IS MY HOME. I HAVE LETTERS AND FAX DOCUMENTS TO SUPPORT MY CLAIM. THANKS FOR YOU TIME.
Company Response:
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2016-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is an ongoing issue with my mortgage servicer. Even after a previous complaint to the CFPB regarding improper handling ( Case number : XXXX ) of my account I can still get ZERO information on this loan. Ocwen made a motion to the bankruptcy trustee to receive a XXXX payout after my case was dismissed. The judge awarded them the money over a month ago, but i have been unable to track down where missing funds currently are. The balance on my loan changed by a small amount yesterday, so i called both yesterday and today looking for information and no one will tell me anything other than my account is being handled with " legal '' - and treated me like I had somehow defaulted or caused this problem with the loan. My mortgage is not being properly serviced and I am being denied basic information on my account. I made payments in good faith to the bankruptcy trustee on this account and because of Ocwens poor practices the money was never applied. Now - I ca n't even get any information on the account and am being treated like I am the one who did something wrong. This morgage was current for YEARS before being transferred to Ocwen.
Company Response:
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2016-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen continues to wrongfully damage my credit score by erroneously reporting to the credit bureaus that I missed a mortgage payment, when I have not. Because Ocwen raised my escrow amount after buying expensive " acceptable '' homeowners insurance when I already had good homeowners insurance ( the subject of a previous complaint still being examined by them ), I chose not to pay the increased escrow amount but did pay the old mortgage amount in full each month. When I disputed the increased escrow amount and chose not to pay it ( more than {$400.00} a month extra! ), they told the credit bureaus I had missed a payment, which I had not. Further, they continue to force a hardship on me by demanding I pay the increased escrow amount while this is in dispute, resulting in a total mortgage amount of more than {$2000.00} rather than the {$1600.00} I had been paying for 10 years. In summary, they have damaged my credit and caused me severe financial hardship by raising my mortgage escrow amount unnecessarily ( I sent evidence of my insurance agent 's correspondence with them in a previous complaint ).
Company Response:
State: FL
Zip: 33606
Submitted Via: Web
Date Sent: 2016-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No