Date Received: 2016-08-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Gmac Mortgage corporation has a lien recorded against the title to my home based on a home equity line of credit that was secured in XX/XX/XXXX. However the loan has been paid in full and satisfied as of XX/XX/XXXX. My county clerks office never received a " lien release letter '' from GMAC. As a result of the XX/XX/XXXX chapter XXXX XXXX bankruptcy filing, related assets of GMAC Mortgage , LLC were sold to Ocwen effective XXXX XXXX, XXXX. My account, # XXXX was acquired by Ocwen on that date. This was verified by Ocwen Account Analyst, consumer Ombudsman, XXXX XXXX XXXX # XXXX. As the successor of GMAC holdings, Ocwen should be able to confirm in their records that the GMAC mortgage # XXXX has been satisfied, and paid in full. Ocwen should also be able to confirm that they have no interest in maintaining a lien associated with GMAC Mortgage # XXXX.
Company Response:
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2016-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Can someone please help us! My wife and I must be truthful and our credit scores are less than bad. Also about two months ago we received a modification on this home we 're in now. This has been a nightmare but while I was on military XXXX. I was approved to be under the Soldier and Sailor act. This lowered, credit cards and our mortgage payments. Unfortunately this mortgage company later wanted to know who was going to pay the difference in payment cost. We tried to explain but was met with no aval and they placed the difference onto our loan balance of our loan. Which we were unaware until many months later. So after going back and forth with the mortgage and still being on XXXX XXXX and away from home. Our loan was moved to another mortgage company ( Ocwen ), until we attain the modification. Unfortunately this is still showing negative on our credit history. How in the world can our government system, allow these companies to ruin families. We are honest people and we hope someone can help. Thank you in advance ; my contact information is XXXX ; XXXX Thank you,
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2016-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My home was foreclosed XX/XX/2014 & we had modifications through a previous lender Homeward when it was sold to Ocwen. I believe out modification, loan, payments, & foreclosure was mishandled. We have contacted Ocwen on several occasions with no response to the information we requested.
Company Response:
State: TX
Zip: 79706
Submitted Via: Web
Date Sent: 2016-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen took over servicing my loan, from XXXX, and is not honoring the modification that was in place. I have my XXXX contract as well as My receipts with on time payments. I paid on my modification for 10 months. after ocwen took over servicing, they foreclosed, evicted, and caused me servere harm. I fought in court and managed to get my home back yet ocwen is failing to honor the existing modification. They have just offered me a different modification that is completely different, unfair, and significantly more money. They are threatening me with foreclosure unless I sign this agreement.
Company Response:
State: CA
Zip: 91750
Submitted Via: Web
Date Sent: 2016-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage company Ocwen offered me a trial plan XX/XX/2013 under the HAMP program. I made all the trial payments, then made additional payments at the trial plan amount. They told me the modification was being generated. Then they told me the modification was denied and that I had to apply again. They did not give me a reason why the modification was denied. Now they are denying me saying that the investor does n't participate in HAMP. They refuse to give me any proof that my investor does not participate.
Company Response:
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2016-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: For over two years Ocwen Loan Servicing has being trying to foreclose on my property pretending to be a servicer. Original lender XXXX become bankrupt in XXXX.The original servicer American Home Mortgage and XXXX affiliated companies filed for bankruptcy on XXXX XXXX, XXXX. The original Note was satisfied and destroyed during bankruptcy proceeding. The mortgage servicing division of American Home Mortgage was eventually sold to XXXX XXXX XXXX who kept the name of his acquiring company very similar : American Home Mortgage Servicing , Inc. and later changed to Homeward Residential in light of class A action lawsuit and numerous complaints and litigations. On XXXX XXXX, XXXX, Homeward Residential was sold to Ocwen Loan Servicing LLC according to SEC report. Thus Ocwen acquired only a computer record of subject loan which was not deleted along with DOT and Note. When Ocwen sent me a loan servicing note, I requested proof of service, but the request was ignored. I never made a payment to Ocwen. Ocwen is trying to collect payments for paid off obligation as it has been done by previous servicer Homeward Residential. So, Ocwen fabricated phantom obligations by borrowing names of XXXX and MERS and Ocwen employees signed false assignments on behalf of those entities. Two assignment recorded with Circuit Court were fraudulently prepared, signed, and notarized by Ocwen 's employee, which is subject to criminal investigation for conspiracy and mail fraud ( XXXX. ) Now, when their attempt to foreclose failed because of several lawsuits I have filed against Ocwen, they found another foreclosure mill XXXX XXXX XXXX XXXX VA Beach ( XXXX ) who sent a letter on XXXX XXXX, XXXX informing that my property was placed for foreclosure with their firm. I sent them two times Notice of Dispute and Demand for Validation and Proof of Claim. After the second request I received a letter saying that my creditor XXXX Company ( see attached ). No substitute trustee assignment is recorded as of today, giving XXXX XXXX XXXX right of substitute trustee, therefore they violate Fair Debt Collection Practice Act pretending to be a debt collector in my case. I know that Ocwen hired that company to foreclose on my property. Ocwen and XXXX XXXX XXXX are old time cronies. Both were mentioned in XXXX County, FL, Investigation Report. Examination of County records from XXXX XXXX, XXXX to XXXX XXXX, XXXX was conducted by XXXX XXXX XXXX, XXXX XXXX TX and issued on XXXX XXXX, XXXX. Investigators have found and published XXXX legal instruments fabricated, signed, notarized, and recorded by Ocwen 's employee. The report also indicated that XXXX XXXX XXXX XXXX have initiated XXXX sales in the County by presenting a fabricated Certificate of Title and Assignment. Investigators concluded that " It is highly likely that the promissory note offered in the case will reflect manufactured endorsement stamps or note allonges ( XXXX ). Ocwen sent me a letter dated XXXX XXXX suggesting to modify my loan to avoid foreclosure. I know they ca n't modify the loan that has broken chain of title and no lender. I do not mind to modify my loan and pay to any legitimate lender who has legal right an interest in that property. Five days I called Ocwen to request a modification package and left a message. Nobody called me back. I suspect Ocwen sent that letter to obey the law, but has no intention to modify my loan as it has nothing to do with it. Please help me to get modification package and start the process ASAP. I wonder why in our country white collar licensed attorneys-crooks have no worry of being caught and punished, habitually ignoring and knowingly violating law.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2016-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I HAD CHANGE DECREASE IN INCOME, OWEN SUGGEST I QUALIFY FOR A MODIFICATION LOWER MY PAYMENT TO AFFORD IT. IVE BEEN TRYING FOR XXXX MOTHS TO NO SUCCESS. OWEN DENIES ME WITH I KNOW I QUALIFY XXXX % OCWEN STATES IT MY " INVESTOR WHO OWNS MY LOAN WONT HELP ME???????? MAKE S NO SENSE WHY WOULD OCWEN TELL ME I CAN GET A MODIFICATION TO HELP ME WHEN THEY INSIST MY INVESTOR WONT HELP! PLEASE HELP
Company Response:
State: CA
Zip: 02703
Submitted Via: Web
Date Sent: 2016-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Servicing retained attorney XXXX XXXX with XXXX XXXX XXXX XXXX XXXX to modify my mortgage. Although, a modification was offered, accepted and signed, XXXX XXXX has breached contract by not fulfilling agreement. Per modification contract property taxes & insurance is to be escrowed however, I am having to pay out of pocket and I want to be reimbursed all money paid towards insurance. I am paying {$610.00} to XXXX XXXX in C/O Ocwen Servicing.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2016-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Mortgage Facing Foreclosure, Ocwen refused partial payment of XXXX payments when XXXX payments were owed on XXXX. offered to catch up remaining on XXXX XXXX. Husband, lost employment. She refused {$2800.00} Loan # XXXX. I called on XXXX At XXXX. XXXX XXXX XXXX XXXX XXXX.I also told them my husband was a veteran and that I was giving them a chance before I file a complaint, and to record the call and note the account.
Company Response:
State: FL
Zip: 33805
Submitted Via: Web
Date Sent: 2016-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen has approved us for a HAMP trial payment plan. After speaking with my relationship manager, I had some concerns regarding the documents I received. 1 ). Will the holder of the note still be the securitized trust, Option One Mortgage Loan Trust 2006XXXX with the loan modification? 2 ). If OOMLT 2006XXXX is the current note holder, why is the new unpaid principal balance with the loan modification higher than the balance in the trust? Unpaid principal balance in the trust is {$520000.00}, but the new unpaid principal balance in the loan modification is {$580000.00}. 3 ). According to the HAMP website, we could earn up to {$10000.00} in principal reduction for making our mortgage payments in full and on time. But the incentive information provided by Ocwen states we can earn {$5000.00} in principal reductions for making our mortgage payments in full and on time. Why are we not eligible to receive the full {$10000.00} in principal reduction for making our mortgage payments in full and on time? 4 ). Would like to understand why there was not a principal forbearance? 5 ). Would like to understand why ca n't our loan terms be extended?
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2016-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes