Date Received: 2016-09-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Made each monthly payment ; however did not get credit for six payments in XX/XX/XXXX and none in XX/XX/XXXX when I was sending in cashier checks by certified mail ... ... treat foreclosure from Ocwen ... Had an attorney that did not help only insisted on modification ... .now we are out major money, credit destroyed ... .Help needed what are the options?????
Company Response:
State: TN
Zip: 37138
Submitted Via: Web
Date Sent: 2016-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-15
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: account updated after request, but failed to remove : Dispute and Reinvestigation. These need to be removed due to the fact that XXXX will not approve a mortgage loan with pending disputes or investigations. I have requested this is of Ocwen, but no proof that they are willing to update account since mortgage loan was sold to XXXX.
Company Response:
State: GA
Zip: 30549
Submitted Via: Web
Date Sent: 2016-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I tried to make my mortgage payment online but it would n't allow me to access any of the links. I tried calling to make my payment and it kept redirecting me to customer service which was closed. I have made all of my mortgage payments online until the above happened XXXX XXXX, XXXX. This is the second time in two years that my mortgage company has fraudulently tried to take my house from me. The first time was in XX/XX/XXXX. They always try to tell me I am behind on my mortgage 4 months but I am not. They come up with {$2500.00} in fees that never show up on my monthly statements. Last time they broke into my house and changed all the locks while I was out of town looking for work. The only replaced the locks and refused to repair the door. I was wondering if this is retaliation for a class action suit for forced insurance. I just want OCWEN to stop trying to steal my home under false pretense. I want to continue to make my payments online without interference from them. I missed XXXX mortgage payment so far XX/XX/XXXX so how can I be 4 months behind.
Company Response:
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2016-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-16
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: In lieu of valid Assignments, Trusts continue to rely on Assignments specially made by their own law firms and mortgage default service companies. Eventually, these fraudulent Assignments are being discovered by Courts, and the foreclosing trusts required to prove that they own the Mortgage and Note in the foreclosure action without reliance on Assignments that misrepresent the date of the actual transfer to the Trust the authority of the signers of the bankrupt original lenders. For XXXX homeowners, this realization has come too late. Aside from the law firm and mortgage default servicing companies that fraudulently produced Assignments, such as Ocwen loan servicing, and third party manufacturing company indecomme global services, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX law firm FOR EXAMPLE they are producing fraud assignemnts. The entities at greatest risk that the fraudulent assignments scheme will be exposed are the title companies which all theses ( Ocwen loan servicing, and Third party manufacturing company e.g XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX law firm all owes it little title company, e-title for XXXX XXXX XXXX and XXXX associates etc ... ) are the tittle companies that guaranteed the clear and correct transfer of ownership to the trusts. ALSO at risk are the trust creditors themselves and the trustees. Both groups of entities have been on notice for several years THAT the faulty assignments were likely to jeopardize the trusts claims to ownership and ability to foreclose in the event of default, yet have failed to disclose the critical information to trust shareholder and to the sec. THIS COMPLAINT FOCUS ON DEFAULT buyer DEBT COLLECTOR OCWEN LOAN SERVICING LLC USE DOCUMENTS MANUFACTURING COMPANY TO PRODUCE FRAUD ASSIGNMENTS OF DEED OF TRUST AROUND THE COUNTRY UNDER THE CONTROL OF default DEBT COLLECTOR LAW FIRM LAW FIRM XXXX using ASSIGNMENTS OF DEED OF TRUST PREPARED BY XXXX, FOR DEBT COLLECTORS OCWEN LOAN SERVICING, DEBT COLLECTOR XXXX LAW FIRM see several attached documents files
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2016-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-15
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Case # XXXX - XXXX Case # XXXX - XXXX I have not gotten any written words on the one issue : Legal Standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2016-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-16
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: THIS COMPLAINT FOCUS ON DEBT COLLECTOR OCWEN LOAN SERVICING LLC USE DOCUMENTS MANUFACTURING COMPANY TO PRODUCE FRAUD ASSIGNMENTS OF DEED OF TRUST AROUND THE COUNTRY UNDER THE CONTROL OF default DEBT COLLECTOR LAW FIRM LAW FIRM XXXX using ASSIGNMENTS OF DEED OF TRUST PREPARED BY XXXX, FOR DEBT COLLECTORS OCWEN LOAN SERVICING, DEBT COLLECTOR XXXX LAW FIRM see attached files
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2016-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing is the most difficult company to communicate with I have ever had any dealings with. I email them and get no response. If you call and someone should answer you must make an appointment with a rep of the company to call you back in two or three weeks. If you manage to have the discussion with the ocwen rep you wo n't be able to understand a word of the conversation because they barely speak english. That is absurd. What does it take to get a simple answer to simple questions. It is as though they do not care nor do they want to be of any service to their customers. I did not choose them as my mortgage company my loan was apparently bought and sold a few times and they are what I wound up with. Terrible.
Company Response:
State: LA
Zip: 70508
Submitted Via: Web
Date Sent: 2016-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I arrived to USA two years ago following the American dream and the reunification with my mother and my fianc. Months after my arrival my fianc got pregnant and having no place to live together we decide to search for a place to so. The rents were so expensive that my salary and lack of credit history at that moment was not enough to cover all the expenses and we thought it could be better to invest in a property. With the help of my uncle we subscribed to all existing governmental institutions as XXXX but purchasing through this institution was not possible since every time we found something according to our necessities and resource the bid was not sufficient. After expending months trying to purchase this way and having no luck I decided to purchase through the XXXX a foreclosure property. My uncle requested a home line of credit over his already full paid house, {$150000.00}. Finally with that money I was able to make the purchase for a XXXX home on XXXX XXXX. The house was in pretty bad conditions and needed a lot of fixing which I did my self with help from my family and friends at a cost of around {$50000.00}. On XXXX this year I tried to pay my property taxes and to my surprise they were already paid so I contact the payee and requested an explanation. They never came back to me with an answer but instead a few months after I received a visit from an individual advising me that the house would be foreclosed in a few days. I never received a notice or citation. My address and information was register at the county since I obtained a title certificate signed by the court. To my surprise I purchased a second loan. If the house was on the market for sale for few years and no one purchased why the first lender did waited for the second mortgage to foreclose. I would agree if there was a lien on the property for other matters but for a mortgage? I look at it as a bank scam. I have lived on the premises for a year and a half and after that time and after my claims to the property taxes payee is when the other lender wants to claim. Now the bank wants me to pay {$200000.00}. The house is not even worth that amount and if you add the {$200000.00} I already invested the total would have bought me a brand new home. The new constructions in the county could be only afforded by reach people then what is it left for the medium class families? I would like you to understand that I 'm not an investor that I purchased because my family needed a place to live. I do n't want to lose the house. I own my uncle {$150000.00}, that there are not affordable rents or constructions. That all is left are pure foreclosures and now I should pay for it {$400000.00}. I 'm a young person working and studding at the same time so as my fianc and doing our best to raise our daughter.
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The original amount of my mortgage loan through Ocwen Loan Servicing was {$250000.00} on XXXX/XXXX/XXXX. I modified my mortgage back in XXXX under the HAMP Program. In doing so, Ocwen increased my loan amount by {$49000.00} with a principle balloon payment of {$70000.00} that would be forgiven over a three year term -- my new loan amount was now {$270000.00} -- before the principle forgiveness. The time frame is now up -- the last principle reduction took place in XXXX. I recently requested to have my interest amount lowered and the documents indicated that I now owe {$260000.00} -- more than {$10000.00} more than my original loan amount of {$250000.00} and after more than 9 years of payments. They are adding the {$70000.00} principle forgiveness back into the balance. Of course they are very happy to lower my interest rate to 2 % at this point because I would be increasing my loan amount to more than I bought the home for. This is a total scam and I will not be taking their offer. I hope that they have not done this to others and someone should be held accountable for this.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2016-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-14
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: The actions being taken against my dwelling by OCWEN LOAN SERVICING , LLC and it 's agent XXXX, XXXX XXXX XXXX , XXXX & XXXX XXXX XXXX in the Circuit Court of XXXX County is in violation of the Consumer Financial Protection Bureau Consent Judgment # XXXX against OCWEN FINANCIAL CORPORATION and OCWEN LOAN SERVICING , LLC ( OCWEN ) for violating numerous laws, including but not limited to the Unfair and Deceptive Acts and Practices law and the Consumer Financial Protection Act of 2010. A FDCPA demand was mailed in XXXX XXXX and as of this date the Respondents have failed to provide evidence required by the CFPB and under the FDCPA that OCWEN is a 15 USC 1692a ( 4 ) creditor, yet is proceeding in an action that would be in violation of 15 UCS 1692g to cease and desist absent verification.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2016-09-14
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No