Date Received: 2016-08-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen Servicing does not own our loan. They have collected our payments for yeas, but have added thousands in fees, and restructured our loan to charge us interest on interest. They have continually lied to us, sending letters that state " the investors wo n't allow HAMP modification or principal reductions, however, within the same investor trust records, many other loans are documented to have received principal reductions. The only document showing any assignment of our mortgage filed is completely fraudulent, it is filed several years after the pooling agreement for the trust closed. This document filed in our county records was falsely and maliciously prepared and was signed by an Ocwen employee, previously with GMAC, named XXXX XXXX, this " XXXX something year old '' signed as the Vice President of MERS using a completely fake MERS corp stamp. This stamp was used by many " Vice Presidents of MERS '' during their robosigning reign. XXXX XXXX XXXX in her lustrous career as Vice President for a National corporation, did n't even bother to pay the reported {$25.00} fee for the actual stamp with which to create fraudulent documents and file them in the county of our home, In addition, this same document is notarized by XXXX XXXX, who has had her notary privileges permanently revoked because of her misuse of her role also and in the criminal deception of homeowners documents for their corporate greed. We the homeowners, have built a life in our home with our children, go to work everyday, took care of each other and our home since we bought it in 2004. We took out loans that we still pay on to put on a new roof, heating and air units, hot water heater, carpeting, treat termites etc that have come up over the years. It appears during these same years Ocwen collected payments and paid investors, all though the trust shows the investment is paid in full. Ocwen restructured our loan insisting the investors would not allow a principal reduction, instead they added the interest we became behind on and are now charging us interest on the interest among hundreds of other fees, last month the charged use for a title report {$250.00}, HAMP reports among many other incentives they offer to have mortgage companies help their customers, they pay up to {$250.00} for a title report, so lucky Ocwen they get paid by their customer and by the government. We tried to get help through what we thought was a reputable attorney, XXXX XXXX in California, XXXX.His representatives told us, " oh yes, you qualify for our case, for {$5000.00} we will take Ocwen to court with hundreds of others they have wronged '' ( mass joiner scheme ), We were assured the outcome was all the wrongful things Ocwen did would be brought to light in court and we would end up with a 2 % loan and a large principal reduction. It didnt seem far fetched considering CFPB had basically assured the same thing when they met with the Attorney Generals of 50 states over the improprieties Ocwen had commited to so many people, illegal acts that they have not been charged for that are harming so many families.The mass joiner lawsuit supposedly filed and lost and appealed and lost took years, meanwhile we were not allowed to talk directly with our servicer Ocwen. Not one single person called, emailed, sent a letter, NOTHING about the case we filed with XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in months and now we find out its over, we now owe over {$50000.00} IN BACK PAYMENTS AND STARTING FORECLOSURE. Suddenly now Ocwen is flooding us with bills letters, foreclosure paperwork simultaneously with HAMP modification approval and trial payment schedule. I have tried for 3 days, XXXX, XXXX XXXX, etc and Ocwen wo n't let the payment go through before the deadline, they gave us an EXACT amount to pay and the payment is kicked back, stating its the wrong amount.
Company Response:
State: KS
Zip: 66614
Submitted Via: Web
Date Sent: 2016-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been dealing with Ocwen loan servicing for sometime now. I am currently in the loan modification process with a full complete package. While in the modication process Ocwen has a current sale date for XXXX. This is the XXXX sale date put on my house while trying get a modification. This is a violation of my CALIFORNIA XXXX. California XXXX Foreclosure Law. An attempt again to try to commit a Wrongful Foreclosure. There is no excuse that Ocwen can come with to justify this. The foreclosure notice is by a Duly Appointed Trustee. XXXX XXXX XXXX. Which does not own the debt who I would make payments to. CALIFORNIA XXXX SUPREME COURT RULING Feburary XXXX 2016 quoates that in its ruling. A BORROWER DOES NOT OWE THE WORLD AT LARGE ONLY TO A PARTICULAR PERSON OR INSTITUTION. ONLY THE PERSON OR INSTITUTION THAT OWNS THE DEBT AND PAYMENTS ARE MADE TO CAN FORECLOSE. PLEASE STOP BREAKING THE LAW NOW. No excuses. I am very for my life because of the great amount of STRESS OCWEN HAS PUT ME UNDER. I am currently under medical care for my XXXX XXXX. STOP BREAKING THE LAW.
Company Response:
State: CA
Zip: 93611
Submitted Via: Web
Date Sent: 2016-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am finding out my house got sole last week I got a modification offer from Ocwen 1st payment due XXXX 2016 next due XXXX 2016 I did not understand it said i owed XXXX with a XXXX Balloon also showed my escrow of XXXX my escrow was and is XXXX I ask them to explain they said were getting me the infomation I keep calling over and over the same thing and when I called on XXXX XXXX, I was told since i did not pay in XXXX the Mod was off I ask to explain what i have and would have paid if they got back to me and why can i not make both payments so again they would check into it and get back with me. I been calling and got a call from a realtor yesterday my house was sold back to the bank and he wanted to give me money to sell it I was never told it was being we have good jobs and can pay for it this was my grandmother home the only place me and my kids have lived i been paying on this mortgage for 11 years I do n't know what to do Please help me save my home!!!!
Company Response:
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2016-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-29
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: We applied for a pre-approval through this lender in XXXX of this year, after credit review, we were issued a pre-approval letter and we 're told that we would then have to find a home and once the purchase agreement was signed, we can move on to the next step. Also, we were told as long as we paid a collection, XXXX credit cards, and a judgement, and it was all done before closing we would be just fine. We finally found a house and signed the agreement in XXXX. I had then gotten an alert that my credit was pulled again. When asked, the lender said the initial pull was just a soft pull and that we were 1 day too late to do a trimwrgr, therefore he had to pull our credit again. For some unknown reason, our credit scores had dropped significantly. He then had to choose a different lender than he had chosen previously. Now comes the day to go in and sign papers. The purchase price of the home was $ XXXX and we were told that we needed to add an additional $ XXXX to cover fees and costs. We did n't really know what that was all about, but we 're told to trust him and he would explain. During application signing we were told that the additional funds were to pay for 1 year HOI and property taxes, etc so we signed and then came another paper. On top of the $ XXXX they had added an additional $ XXXX, which was their cost to do the loan, this was not disclosed to us prior to signing. Asking around, we had people telling us to negotiate that, b/c it seemed like a very high fee. Now that papers had been signed we were ready to move forward. Everything was getting paid and proof was being sent. We were told the underwriter needed to not only need proffered of payment for the judgement, but also needed it pulled from our report. Which brings the XXXX inquiry on our credit. Once that was completed he was informed by the lender that it was not pulled off of all XXXX bureaus, so we had to fix that and we should be good to go. Which brings on a XXXX inquiry. After that was completed we received an approval and a move forward on ordering the appraisal. We submitted the payment, which was taken out twice, and the next day we received an email from our broker stating the loan has now been turned down due to the fact that the judgement was not paid for over a year. This has now turned our entire world upside down. This has not only affected our credit, but has also negatively impacted our family. We did n't sign a new lease with our current home, knowing we were moving, and also switched our sons school b/c we were moving into that district, being told the entire time we were to trust this person and we were going to be moving into our home in the next 30-45 days. Our scores have dropped over XXXX pts and have contacted several banks to help us, to now only be told there is nothing we can do.
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2016-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-29
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I let my ex Husband keep the house in our divorce. I had to sign over the deed to him so he could put the mortgage in his name only per the divorce agreement. He was able to do this and the mortgage went to OCWEN. Somehow they put the mortgage back into my name and the new note does not have my signature. I have asked numerous times for a copy of the mortgage agreement and they have not given me one because I do not live at that address anymore. I never signed anything authorizing them to increase my debt. Please help me in fixing this situation.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2016-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We are sending a Notice of Error as noted below. On XXXX XXXX, XXXX we requested the loan to be de-escrowed from the account. On XXXX XXXX, XXXX the cancellation for the ecrow account was granted. However, as of XXXX XXXX, XXXX we have not received a revised statement on XXXX XXXX, XXXX showing how much we needed to pay monthly that due on in 15 days or a refund because our Escrow was cancelled. From our records it shows that the Statute of Limitations has expired for the debt. As required by New York and Federal law, Ocwen Loan Servicing , LLC has not provided a disclosure statement before accepting any payment. Furthermore a disclosure was not provided in the communication accepting our monthly payment. This loan in question is not enforceable as part of the Fair Debt Collection Practices Act On XXXX XXXX, XXXX XXXX XXXX Department received proof of payment we made from XXXX XXXX through XXXX XXXX that was not applied to the account along with proof that Ocwen was servicing the loan in XXXX XXXX. This information in noted on the credit report. On XXXX XXXX, XXXX XXXX Securities and Exchange Commission, XXXX XXXX XXXX XXXX XXXX XXXX and Ocwen Loan Servicing LLC received proof of payment we made along showing that payments were accepted by Ocwen that was not applied to the account REQUEST FOR PAYOFF STATEMENT PURSUANT TO 15 U.S.C. $ 1639g of TILA 7 ( seven ) business days to respond Please provide an accurate statement of the total outstanding balance that would be required to satisfy the above obligation in full as of date no later than 7 ( seven ) business days from the date of the letter. This request is also being made in pursuant to 12 C.F.R 1026.36 ( c ) ( 3 ) Regulation Z. Please provide this information within 7 ( seven ) business days We are requesting a Satisfaction of the debt you alleged we owe, Refund from the our monthly overage payments and a A Payoff Request OCWEN LOAN SERVICING , LLC IS IN VIOLATION PURSUANT TO 12 C.R.F 1024.36 of REGULATION X A updated Monthly Statement Refund from the Escrow Account
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I fell behind in my mortgage payments due to a XXXX. I continuously called the Ocwen loan servicing for assistance. I was told to continue making the payments when I could. In XXXX 2016, I called Ocwen and was told in that my payment was 90 days past due, nothing could be done. I explained to the rep that I was calling for months. It was noted on my account of the calls to different reps. I was told 'sorry '. In XXXX, I was told XXXX was due to bring my mortgage current. I sent he overnight payment of XXXX on XXXX XXXX. USPS delivered the overnight payment on XXXX XXXX. I checked my account on XXXX XXXX and I was told the payment was received late and now my new payment was XXXX by XXXX ( relationship manager ). My XXXX payment was returned to me. She advised that payment must be sent by the end of XXXX 2016. I was also told to send the late payment to avoid the payment being returned. On XXXX XXXX, I sent a XXXX cashiers check to Ocwen. USPS delivered my check on XXXX XXXX at XXXX hrs. Prior to sending the check, I called and the operator validated that XXXX was the correct amount. The operator updated the account stating my required amount and that I was sending it on XXXX XXXX, 2016. On XXXX XXXX I called ocwen and was told by operator XXXX that my payment was not received. I called USPS and was told the packadge was delivered and signed for by 'XXXX ' on XXXX XXXX, 2016. I called back Ocwen on XXXX XXXX, XXXX and spoke to operator XXXX. He advised me the payment was received and the reinstatement was being processed. On XXXX XXXX I called Ocwen again - spoke to operator XXXX-and was told the payment was not received and XXXX was due immediately for reinstatement. I explained all of the aforementioned information. After going back and forth on this call, the operator told me the payment was received on XXXX XXXX, 2016 but not applied. The operator could not tell me why and seemed puzzled. I was transferred to the escalation manager, XXXX. XXXX XXXX tried to assist me, but could n't explain why the payment had not been applied or why my account was not reinstated. I have yet to find out what 's going on and I am deeply concerned. I do not want a foreclosure on my home. Owen has my reinstatement payment for almost 2 weeks and no one can tell me what 's going on.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2016-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: WELLS FARGO & COMPANY, AND ALL AFFILIATES AND ALL SUBSIDIARY ' S OF THE PARENT, WELLS FARGO & COMPANY. IS SAYING THEY OWN MY MORTGAGE AND NOTE/ I HAVE CHECK IT BY AUTOMATION ON THERE PHONE SYSTEMS. AND HAVE COME UP WITH IT SAYING THEY DO NOT HAVE A MORTGAGE IN THE NAME OF THE PARTY. SO HOW COULD A AFFILIATE OF OR A SUBSIDIARY OF WELLS FARGO & COMPANY SAY THEY OWN MY MORTGAGE AND NOTE? WHEN THEY SAY THEY DO NOT AND HAVE NEVER HAD A MORTGAGE AND NOTE OF THE SAID PARTY? I HAVE FILED THIS SAME COMPLAINT TO THE DOJ, FBI, AND ATTORNEY GENERAL OF MASS. WANTING ANSWERS.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am trying to get an explanation as to why my loan did not qualify for a modification with a principal reduction.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2016-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: There has been fraud and robo-signing going on with the companies that handle our note and Deed of Trust! A complaint will be filed with the CFPB and other agencies in the near future regarding this issue. We are requesting the following information to complete our investigation before we file the fraud and robo-signing complaint with all supporting documentation including a third party investigation, with federal and state agencies! Now ; we send our monthly mortgage payments to Ocwen Loan Servicing, our servicer. Our trustee is XXXX XXXX XXXX. Again, I am requesting the following information in writing with documentation! First, provide documentation on who Ocwen Loan Servicing sends our monthly payments too. Second, provide documentation of when ( dates ) Ocwen sends our payments. Third, provide documentation of how much ( amount ) Ocwen sends each month. Forth, If Ocwen sends our monthly mortgage payments to XXXX XXXX ( our trustee ) as suppose to be, then Ocwen Loan Servicing must request additional information from XXXX XXXX! Fifth, has XXXX XXXX XXXX kept any of the funds that have been received by Litton and Ocwen Loan Servicing since 2006? Sixth, provide documentation on which investor did XXXX XXXX XXXX send our monthly payments too going all the way back to XXXX XXXX XXXX, our original lender on XXXX XXXX 2006. Seventh, provide documentation on how much did XXXX XXXX send each month to the investor? Eighth, provide documentation of the dates when XXXX XXXX sent the payments? Ninth, provide documentation on the type of payment sent to the investor? ( check, electronically, ETC ) Be warned, do not add any other information with in your response other than what is requested with in this complaint, otherwise more complaints will be filed against Ocwen Loan Servicing!
Company Response:
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2016-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes