Date Received: 2016-09-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen has approved us for trial payment plan for a HAMP loan modification. Payments are due on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/2016. I read on the US Department ofTreasury website that the Obama Administration extended the application deadline for MHA programs to XXXX XXXX, 2016. I was told by my relationship manager, XXXX XXXX, that it may make take several months after the third payment is made before we are approved for a permanent loan modification.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2016-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My husband and I got a loan modification and signed the papers in XXXX. We signed them and returned them. Our trial payments started for XXXX XXXX. When the bill arrived for XXXX it 's said the balance due and then it said we were late and we owed double the payment. I sent the single payment and also sent a copy of the agreement showing the XXXX payment was due on XXXX XXXX. I then followed up by called the XXXX number and it said our payment was made and the next payment was due on XXXX XXXX. We then paid that payment on XXXX XXXX. I kept calling the XXXX number to check the status but it kept saying our payment was due XXXX XXXX but never changed even though they cashed out check. When I received the new bill for XXXX it showed our payment but now it is showing my applied as XXXX trial payment. I sent copies of our agreement with the payment schedule and the copy of the post office receipt because I sent it with tracking. The new bill for XXXX says we owe our full mortgage. We have paid our trial payments on time.
Company Response:
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2016-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been fighting violations by Ocwen Loan Servicing ( formerly American Home Mortgage ) for 10 years. In XX/XX/XXXX I was solicited by a " so-called '' broker ( former landscaper ) who, without my understanding the consequences sold me a negative amortizing loan. I tried refinancing again but it was impossible due to the housing crash. I have not been foreclosed upon. In XX/XX/XXXX I filed a complaint against American Home Mortgage and XXXX in Maryland for fraudulent practices. While the judge ruled against me in favor of MERS, during negotiations American Home Mortgage agreed to relinquish their interest in my loan stating that American Home Mortgage " is not a functioning company, '' has " no successors in interest '' and " is permanently out of business. " ***please see attached. We were planning an appeal at the same time that my lawyer died of natural causes. I did not hear anything from the lender for some time and did n't know what to do as I had stopped making payments during litigation. Subsequently, Ocwen bought American Home Mortgage 's shares and I started receiving dunning letters, harassing phone calls and again sought legal representation, filing suit against Ocwen. I applied for a loan modification and Ocwen responded by giving me a billing statement for a modification ( no details included ) which was an amount I could afford. The first checks I mailed to them were cashed. Then, Ocwen started mailing back the uncashed checks stating that I owed them thousands more. My attorney advised me to keep mailing in the checks as originally stated. I have done that every month since up until today. In XXXX XXXX Ocwen issued me a Notice of Intent to Foreclose. It did not list the named of the secured party, but only mentioned XXXX. They claimed a year earlier that XXXX XXXX XXXX XXXX owns and holds my note when the entity went bankrupt in XX/XX/XXXX and that in XX/XX/XXXX, with no assignment involved, XXXX XXXX XXXX XXXX and alternately American Home Mortgage Assets owns it. In fact, in response to my Qualified Written Request letter to Ocwen, the cover letter provided a telephone number for XXXX which when I called it, brought about a U.S. bank agent. I do not have reason to believe that Ocwen has the original note. Some months back an Ocwen attorney asked my counsel if I would be interested in applying for another loan modification. Although wary, to show good faith, I applied again. Last month, my case was dismissed without hearing in favor of Ocwen. Although my modification was received by Ocwen on XXXX XXXX, to date I have heard nothing. Ocwen also refuses to allow me access to my own online portal account citing that it is " flagged. '' They continue to mail back my uncashed checks to my attorney. In the meantime, my {$580000.00} loan has escalated to {$820000.00} This seeminglly endless decade-long ordeal has cost me my health and even stolen attention from my child and my work. All I ever wanted was a reasonable modification to fix a predatory loan solicited by an unscrupulous broker in XX/XX/XXXX.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2016-09-09
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX 2016 I wrote a letter to the judge asking for an extension on the foreclosure slated for XXXX XXXX because we had another offer on the property. The Judge granted the extension, reset the foreclosure sale date to XXXX XXXX, 2016 in hopes of giving Ocwen plenty of time to review and approve the XXXX short sale since they had the paperwork in hand before requesting the extension. After the extension was granted, Ocwen promised to have an approved XXXX short sale. Shortly afterwards, Ocwen came back to me and the realtor and asked us to go to the buyer and ask for roughly XXXX more dollars to improve their net, ensure the XXXX short sale, covering maximum relocation and maximizing the payout for the XXXX lien holder, XXXX XXXX, the buyer agreed, paperwork was submitted. After receiving the XXXX additional dollars, Ocwen sent the Arms Agreement, telling both the realtor and myself, Ocwen will be sending an acceptance letter. Shortly after being told this, we received a letter from Ocwen stating the XXXX short sale was denied because XXXX shortsales can not be approved within 60 days of the foreclosure sale date instead Ocwen would like to do an internal short sale. During this time I was receiving robo calls about my XXXX XXXX sale date and outstanding debts with Ocwen. I started questioning the XXXX short sale vs internal Short sale and could not get any clear answers other than within 60 days. At this point Ocwen said they would extend the foreclosure sale date 60 days beyond XXXX XXXX so they would have plenty of time to complete the sale and come to a closing date. I asked my realtor to check the court dockets to see if the sale date had been changed, nothing was happening. I questioned Ocwen on the new date, I started getting, we are waiting on the lawyer to sign the paperwork, the system will be updated in a few dates to reflect, this went on for a few weeks. It was at that point we started getting phone calls from Ocwen requesting us to resubmit documentation and XXXX of the task we were given was to call my XXXX lien holder and negotiate a settlement. I called XXXX XXXX and was told it was Ocwen 's job to get the paperwork to the bank so XXXX XXXX could figure out a settlement plan. The XXXX XXXX contact asked my realtor to send over all paperwork submitted to Ocwen so he could give Ocwen a call and question why they did not submit the paperwork. At this point its coming down to the XXXX hour before foreclosure. I was also told the file had been escalated because of data that was put in the Ocwen system but was n't handled properly such as the submission of the foreclosure extension ( this would have allowed the XXXX shortsale ). I received a voice message from an escalation manager telling me his name and phone number. I repeatedly called and called, no response. On Friday XXXX XXXX, I received XXXX calls from Ocwen stating that it was my responsibility to call their foreclosure attorney to get an update on how the cancellation of the foreclosure was progressing. I called the attorney and was told by the paralegal that she did not have any paperwork requesting an extension of the foreclosure. I asked her, who was lying you or Ocwen? I have been told by Ocwen it is my responsibility to submit to the court a request to stop the foreclosure. I am at a loss on why Ocwen is deliberately trying to send my home into foreclosure when there is a buyer at the table. I am at a loss that no one at Ocwen is actively trying to stop this or trying to take any responsibility. Question? Is this a customary practice to send a home into foreclosure and deny a XXXX short sale when there is a buyer at the table and have been at the table since XXXX 2016? If my file is reviewed it will show that Ocwen has done this again and again. This will be my XXXX submission to the court to cancel the foreclosure after submitting offers.
Company Response:
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2016-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have XXXX claims open against Ocwen Loan Servicing , LLC that need to remain open XXXX, XXXX, and XXXX. On XXXX XXXX, XXXX I submitted a request for Appeal on my loan modification.offered on XXXX XXXX, XXXX. Since that time Ocwen has only answered some of my questions and has not since answered my appeal and provided me with a NEW loan modification. The questions that remain unanswered are as follows : XXXX XXXX, XXXX Ocwen Loan Servicing , LLC Attn : Home Retention Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax : XXXX Email : XXXXXXXXXXXX In the Matter of : XXXX XXXX XXXX Account Number # XXXX APPEAL to Loan Modification offer XXXX/XXXX/XXXX 2. Your " OFFER '' is clearly beyond my means. 3. There is NO WAY I can afford this payment. 4. I SIMPLY do not receive enough income to manage my monthly FIXED expenses, OBLIGATIONS on top of the " PROJECTED PAYMENT '' Please explain : Please be aware that you have kept denying me a reasonable modification over the past 8 years based on the following. 7. This is a XXXX loan and is ILLEGAL and TOXIC ( XXXX ) MIN : XXXX, Note Date : XXXX/XXXX/XXXX, Servicer : XXXX XXXX XXXX XXXX XXXX, Phone : ( XXXX ) XXXX " XXXX Court Rules XXXX Business Model is illegal '' ( XXXX ). ( Documents attached ) 8. The US Government bailed out the BANKS and the SERVICERS where to notify the mortgage holders ; I received NO SUCH NOTIFICATION. 9. I have read that CFPB filed a case and charges against OCWEN Loan Servicing for faulty practices. But you continue to do what you still do. Please use my correct financials moving forward. I would like to be issued a revised offer based on my TRUE and CORRECT, INCOME and EXPENSES and the ABOVE XXXX BULLET POINTS. As of today I am still waiting for a response back from Ocwen tp # XXXX. I also disputed this claim on case # XXXX which was not acknowledged by CFPB and uncertain whether that dispute was sent to Ocwen. THIS HAS BEEN GOING ON FOR 8 YEARS AND ENOUGH IS ENOUGH. OCWEN AND THE CFPB NEEDS TO GET THEIR ACT TOGETHER AND RESOLVE THIS ISSUE. I HAVE TRIED NUMEROUS TIMES TO GET AN UPDATE BUT MY CALLS ARE DIRECTED TO XXXX. I REFUSE TO SPEAK TO A PERSON IN INDIE FIRST OFF. THIS IS A USA ACCOUNT, I AM A USA CITIZEN AND I WAS BORN IN THE USA. ALSO OCWEN OPERATORS # XXXX XXXX AND OPERATOR # XXXX XXXX WERE RUDE AND DENIED TRANSFERRING MY CALL TO THE UNITED STATES. HORRIBLE CUSTOMER SERVICE.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2016-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My complaint is with Ocwen servicing company for seven years I have been trying to XXXX a re modification of my loan they have been deNY ing me a refinance using all kinds tactics I have been through.all the avenues that pertain to. This problem I even went to lawyers whom seemed to work for them I need some immediate assistance now as they have forclosed on my house without any warning the has been in my family for over sixty years .my husband left me after XXXX years of marriage and I am XXXX years I have no transportation to leave and no place to go .my XXXX son who lives with me is XXXX ( XXXX ) and attends a XXXX we do n't have no place to go and both live on social security.I 'm am supposed to be evicted today please help my .I can be reached @ XXXX or XXXX
Company Response:
State: MO
Zip: 63119
Submitted Via: Web
Date Sent: 2016-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Every year I apply for the XXXX County 's tax credit. I receive it every year. The tax credit check is sent to the mortgage company to help pay my taxes. It will most of the time lower the amount of escrow and in some cases leave me with a small refund due to a surplus. I have been with Ocwen for the past 4-5 years. My escrow is continually going up even though the tax credit is sent to them every year. The money is not deposited in my mortgage account or returned to the county. I have no idea where it is going. The county sends it directly to the mortgage company. So every year when I apply for the credit and get approved the money is going somewhere and Ocwen says they have no proof of it being sent. The county has proof of sending it. I am upset because I should not be paying the amount of escrow I am paying. That 's the whole purpose of the credit, but every year it is not applied to my account. I would like to have it researched and credited to my account every year going forward. I would REALLY like to change mortgage companies. Thank you for any help you can provide.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2016-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We are the law firm that is retained by the borrower to assist with the short sale of their property. The 1st mortgage is a payoff, XXXX is being shorted. File was submitted to Ocwen the 2nd lien holder on XXXX. On XXXX was advised that we were waiting for decision to the approval, XXXX under final stages of approval decision with in XXXX to 48 hours, XXXX file still under review, file was escalated, XXXX file escalated again waiting for evaluations to be received, XXXX file escalated again, XXXX still waiting evaluations, XXXX still waiting for values, XXXX XXXX is attempting foreclosure due to lack of Ocwens review and still pending valuation, XXXX still waiting evaluations, XXXX still waiting valuations, XXXX still waiting evaluations, XXXX still waiting evaluations. This is unacceptable Ocwen has been lagging with this file. It should not take over 30 days for Ocwen to provide the approval for this short sale due to the incompetency of Ocwen the file has now been submitted to the CFPB.
Company Response:
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2016-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I established a HELOC on XXXX/XXXX/XXXX with XXXX XXXX. It is now serviced by Ocwen. It was a 30 year term with a 10 year draw period for a principal amount of {$100000.00}. After the draw period expired, the repayment period began with a 20 year repayment period. On XXXX/XXXX/XXXX I made a payment of {$360.00} as that was showing as due for XXXX/XXXX/XXXX. I am trying to pay my mortgages ahead. As the documents will show, this payment has been changed and applied 9 times. They now show that payment as a principal payment, with an approximate balance of {$100000.00}. I never requested this to go as a principal payment. My 2nd issue is that my payment due for XXXX/XXXX/XXXX now shows {$770.00}. At the current rate of 4.25 % for a 20 year payback, The payment should fall in the mid {$600.00} range, I have attached a calculation. I have emailed Ocwen many times with no response. Calling their customer service is a joke. Per the emails sent I attached, I have requested an explanation with no response. I need your assistance. I have attached a verification of mortgage to show diligent payment history with no late payments. I refuse to make another payment until they justify the payment and the terms of this loan. I have attached the note and mortgage as well. Thank you.
Company Response:
State: PA
Zip: 17202
Submitted Via: Web
Date Sent: 2016-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I fell behind on my mortgage several times throughout the years. I have submitted several applications for a modification before being told that the investor/owner of my loan did not allow them. Since then, I have been encouraged for several years to apply for a loan modification by my mortgage servicer, Ocwen. I explained to them that they continue to send me the applications and encourage me to apply, when they told me that my investor did not allow them. I later contacted the investor to be told that they did not make such a decision as it related to my loan, however, they refused to get involved when asked to contact the servicer. They did send me a letter. I contacted Ocwen several times over, demanding that they check my note to see if the investor/owner permitted modifications at the present time. They again told me that modifications were not allowed. I applied again last week and was denied the HAMP Tier 1, HAMP Tier 2, Shared Appreciation Modification and Proprietary Modification programs. My non-approval notice read " Unfortunately, the owner of your loan does not allow loan modifications. Please note, not all eligibility factors were evaluated ''. They also ran my credit report when they " knew '' I did not qualify. In the meantime, I checked my original mortgage note to find where it read " modifications are allowed ''. I can not believe how deceitful and manipulative these servicers are. Please, grant me the modification that I qualify for! To add insult to injury, I attempted to compare my original note with what Ocwen recorded as my note, it shows an entirely different note. The property recorded does n't belong to me, I have never held the account number listed with any of the many servicers that I 've had and my signature is not listed on the note. Someone else signed their note and Ocwen has it recorded in my case file. This raises questions as to what note they 're actually reading and if this is some sort of rip-off or scam? I also question Ocwen 's contract with my investor/owners, XXXX?
Company Response:
State: MI
Zip: 49507
Submitted Via: Web
Date Sent: 2016-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes