Date Received: 2016-08-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The description provided is a brief explanation of what happened. I have attached copies of corresponsdence between Ocwen and I which outline the specifics of my claim along with supporting documentation. Please refer to the documentation for more details. Ocwen erroneously expedited my 10 year interest only loan by demanding that I make a full principal and interest payment as of XXXX XXXX, 2015. Not only did Ocwen 's claim violate the terms of the mortgage note agreement but their blatant disregard for their error is unethical and dishonest.
Company Response:
State: TX
Zip: 77006
Submitted Via: Web
Date Sent: 2016-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My husband and I are attempting to purchase a home that is set for auction XXXX XXXX. Both the seller and her attorney have made multiple attempts to get in contact with OCWEN to let them know the house IS UNDER CONTRACT and to request a foresclosure postponement so that we can close. What has been relayed to me is that her attorney has basically given up because he ca n't get in touch with anyone to discuss these issues. The homeowner is TRYING to sell her home to get out from COMPLETE financial ruin, but can not get in touch with her servicer to TRY to remedy the situation before auction. Come to find out yesterday that although we have a signed contract for a stated price, she has been billed/fined by OCWEN another {$4000.00} for what, I ca n't tell you. From reading other posts, it appears erroneous fees and charges are just tacked on.
Company Response:
State: TX
Zip: 78238
Submitted Via: Web
Date Sent: 2016-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen has been sued by ( XXXX ) States Attorney General 's and CFPB for failure to modify its own customer 's loans, grant principal reductions and loan forgiveness. Instead, while in the middle of a loan modification still wrongfully sell homes at auctions, which my home is set for XXXX XXXX, 2016 at XXXX Ocwen has refused to give me a loan modification. XXXX Housing counselor have sent RMA packages beginning in XXXX 2016 which is a waste of taxpayer dollars sending redundant paperwork over and over under HAMP for customer 's with predatory loans. XXXX and XXXX have completed RMA 4 or 5 times for me solely as recently as XXXX 2016. Ocwen keeps requesting paperwork for estranged coborrower not on the Deed, as I am the sole owner of title of record for property. I have spoke with several HOPE Housing counselors who said this is a normal occurrence that coborrower ca n't be found. The normal process is to go send a letter to the servicer explaining they do n't know where the person is and go henceforth with the modification. On XXXX XXXX, 2016 Housing counselor sent to Ocwen, " AFFIDAVIT OF ESTRANGEMENT '' of XXXX XXXX stepfather for over ( 20 ) years. Ocwen did not respond to the housing counselors or my written request and ignored the legal document. Ocwen said that they were going to conduct their own search for XXXX XXXX leading me on. Ocwen instead lied to me used bait & switch tactics reissuing another auction sale for XXXX XXXX, 2016 at XXXX At this late junction after working with HOPE counselors, Ocwen has chose not to comply with the judges consent order in modifying it & apos ; s costumers loans and continues to violate the law, as follows : 1. Sends no letters to its customer 's denying loan modification and schedules foreclosure sales in midst of loan modification process. 2. Still engages in wrongful foreclosure sales in lieu of helping homeowners save property. XXXX 3. Hang up the phone on customers 4. Unlawful possession, i.e. burglary of homes and put lockboxes on doors, criminal trespass, breaking and entering. 5. Ignored Housing Counselors loan modification paperwork and legal documents regarding homeowner loan issues. 6. Sends out general form letters that do not inform the customer of status of loan modification. 7. Does not properly notify homeowners of foreclosure actions with the court. 8. Lies to the court that they have filed proper notices of foreclosure sale to the homeowner, i.e not providing, certified return receipt signed by homeowner as required by Maryland law. I am requesting the foreclosure sale be stopped immediately. I am being discriminated against and treatly differently from other homeowner and by Ocwen who has refused to give me a Trial Modification or a denial letter. This is a pattern practice of denying me a loan modification that occurred with Litton who is also apart of the CPFB federal lawsuit. Several emails have been sent to a XXXX XXXX, XXXXXXXXXXXX. Today, I spoke with customer Reps. XXXX and XXXX who did n't have any information to help me. As this is an urgent matter due to foreclosure, PLEASE DO NOT GIVE THIS COMPLAINT TO THE XXXXXXXXXXXX who does nothing to resolve any problems and nothing but a Rubberstamp with Ocwen. AS THEIR IS A JUDGES FEDERAL CONSENT ORDER, I am requesting your intervention as you have brought legal action in federal court and have the enforcement authority to make Ocwen stop the foreclosure fraud, mortgage servicing abuses and unfair business practices. Please find attached documents. Any questions, please contact me at XXXX or email address at XXXXXXXXXXXX. Thank you, XXXX XXXX
Company Response:
State: MD
Zip: 21227
Submitted Via: Web
Date Sent: 2016-08-26
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have had numerous problems with OCWEN since they have taken over servicing my home mortgage loan. The problems relate to how OCWEN services and applies payments to my home mortgage. I have my mortgage payment set up to automatically be sent by my bank in two payments each month, the first of which is held in suspense around the XXXX of the month until the XXXX payment is sent in by the XXXX for the total monthly payment. On multiple occasions when the 1st payment was received by OCWEN before the XXXX of the month, rather than placing it toward my next monthly payment they would apply it toward my principle. I typically would n't discover this until my next monthly payment was listed as being late and I would have to call to get it corrected. Even though multiple times I asked for them to note on the account about how to credit my payments, I finally had to adjust my 1st monthly payment to prevent it from happening. I never had this issue with any of my previous mortgage companies. The latest issue I had is that I received a notice of a {$1600.00} escrow shortage. I went online to OCWEN 's website, there is no escrow information available and no reference to my escrow shortage. However, there was a place to make a one time direct payment toward my escrow. I made a payment which was credited on XXXX XXXX. On XX/XX/XXXX I received another escrow analysis document and today I found out that rather than applying it toward the escrow shortage, it was applied toward a monthly mortgage suspense payment. I again had to call OCWEN to get the payment reversed today, which they are doing, but it will take at least a day to reverse the payment and another 5 days or more to re-analyze my escrow account. I have had more issues with OCWEN servicing my mortgage than any other mortgage company I 've ever dealt with.
Company Response:
State: CA
Zip: 92118
Submitted Via: Web
Date Sent: 2016-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen has been working with us to perform a loan modification per the HARP program. Recent policy changes has delayed the process. I recently began a loan modification b/c the loan to home value is upside down due to the market crash which means I could not refinance. Also, I have not lived in the home for over 6 years and I need to remove my name to buy my own property. Included, we discussed my separation from my wife which means I no longer live in the home. They began the process by trying to modify the loan and removing my name from the loan so I can move on and buy a home on my own. I was told that it was possible and I would need to submit a certain list of paperwork. Since the beginning, the list changed. The last change required a quit claim deed to remove me from the deed and then loan. After going through the difficult process of getting my ex-wife to agree to start the paperwork and the grueling time and effort it took to get the claim through the county clerk, I was told that the policy changed and they can no longer assist me with out submitting another document which includes a finalized divorce decree. Per the manager, this may not guarantee anything. Their only concern has always been to get our payments up to date. I feel like I have been given the run around, no concern for my needs and a total disregard to the government program that is in place to help people in my situation. Corresponding with the representatives is difficult if you are not used to the language barriers. You can never reach or get a response by the same representative. Policies change which prevent progress on actions being taken. Documents needed always change or the list is always incomplete. Takes weeks/months to accomplish anything and by that time, a policy changes that conveniently keeps actions/requests from being completed as desired by the customer.
Company Response:
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2016-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Currently, my loan is being serviced by Ocwen Loan Servicing ( OLS ) it was transferred from Homecomings Financial Network in XX/XX/XXXX.At the time of the transfer the loan payment break downs were principle and interest payments of {$1600.00} and Taxes and insurance in the amounts of {$430.00}. I was able to make the payments of {$2000.00} with no problem, until after having lost income as a result of my wife and I going through a separation and I became very ill from health complications.I received a trial modification approval from OLS, for my home loan on XXXX XXXX, XXXX, starting XXXX XXXX, XXXX. I proceeded to pay all XXXX trial payments as the agreement had instructed. Shortly after receiving what was to be a permanent loan modification, I quickly identified a number of inconsistences within the recapitalized arrears. In particularly the escrow increases, and the adjusted outstanding principle balance as a result of these changes. My fourth payment was also denied during the grievance or 30 day appeal process. I felt bullied into signing and returning and agreement that was not completely transparent and did not make mathematical sense how my escrow increases could possibly be so severe over the years while my loan was with OLS.During the 30 day modification appeal process, I was refused the opportunity to receive a full explanation as to how my escrow balances were calculated as follows : *INS. IN XX/XX/XXXX THRU XX/XX/XXXX {$3600.00} AND STARTED TO SPIKE FROM THERE. MY INS. POLICY INCREASED IN XX/XX/XXXX TO XX/XX/XXXX TO {$5800.00} ( {$2200.00} INCREASE ) THE FOLLOWING DISBURSEMENTS ( DIS. ) WERE MADE BY OLS : XXXX INS. DIS. - XXXX XXXX, XXXX -- {$5800.00}, XXXX INS. DIS -XX/XX/XXXX -- {$1900.00}, XXXX INS. DIS. XXXX XXXX, XXXX -- {$2100.00} These erratic increases began shortly after my loan was transferred to OLS on XXXX XXXX, XXXX. Furthermore OLS has also failed to show me how my XXXX trial payments were applied to the loan balance after they sent me to foreclosure. A Letter dated XXXX XXXX, XXXX, was received at my residence, rescinding my loan modification offer after making the XXXX trial payments outlined within the agreement. I also received a pre-foreclosure referral letter dated XXXX XXXX, XXXX, which allowed me no time to respond to the cancellation to my loan modification.I called on XXXX XXXX, XXXX, which just so happens to also be the same day that OLS sent me a notice of default. I have also served OLS with a ( QWR ) on XXXX XXXX, XXXX and they have failed to respond within the allotted time per RESPA. I have reason to believe that there is unclear chain of title to my property, and my land records do not match the plot indicated on my Deed of Trust. The land records for my parcel indicates XXXX acres, which means that I would own my land which their home sits on, making it impossible for them to sell their home neighbors ' homes with clear title. My loan may potentially invalid based on the land parcels alone. OLS, has no desire to explain these issues and wish only to foreclose on my home to capitalize on what equity is there, as well as a XXXX grant they received from the hardest hit fund of Tennessee. I 'm seeking your help in the matters within this complaint, surrounding possible insurance fraud, misapplication of payments, dual tracking, and distorted chain of title and or land recordings for my loan. I do not want to lose my home, especially due to corruption with OLS.
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2016-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I believe that Ocwen Loan Servicing is attempting to commit mortgage fraud. I have asked detailed questions as it relates to my mortgage and Ocwen Loan Servicing evades my questions about the mortgage on my property. I am a XXXX XXXX and has submitted XXXX RESPA requests to Ocwen Loan Servicing since 2013. Please help.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2016-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-24
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: Tried to get a loan modification with OCWEN. They assigned me to a " Relationship Manager '' outsourced to XXXX. Could n't speak/understand English. He ( apparently ) wrote that I denied the loan mod. Spoke to someone in USA, he gave me " Ombudsman '' number & that someone was always there. He said I was n't allowed to request one person handle my case and that they be in my country of origin, the USA, that " it 's their rules and they follow them. '' Called Ombudsman dept, got recording, left message. Called " Escalation office '', left 4 messages. I have until Friday XX/XX/2016 to decide if I accept their terms for loan mod ( which is more than double what I 'm paying monthly now ), without which would be triple what I 'm paying monthly now. I 'm XXXX on SSI and can barely afford what I 'm paying now. OCWEN is the company that took over my home equity line of credit from IndyMac when they went under, and they are calling it a XXXX mortgage, which it is not. They 've already threatened foreclosure, even though I 'm not behind on payments. I ca n't believe they outsource all their loan officers to XXXX, with poor telephone connections and no callbacks.
Company Response:
State: CA
Zip: 91104
Submitted Via: Web
Date Sent: 2016-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We have requested that Ocwen Loan Servicing correspond with our Attorney to agree upon a loan payoff offer. They continue to delay stating that they do not have permission to speak with a third party. I gave permission by phone and by email.
Company Response:
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2016-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-21
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: OCWEN Loan Servicing LLP is violating my rights as a US Citizen. OCWEN began an all out attack on my loan in good standing after they posted {$76000.00} I was awarded by Keep Your Home California and {$5000.00} HAMP incentive that I earned by never being late on my loan for six years. XXXX XXXX from the OCWEN Ombudsman office was so jovial when she told me that my name being removed from the loan was not the worst of it, that my assumption of the loan being reversed was not the worst of it, that reversing the loan modification of XX/XX/XXXX that was made when the loan was being serviced by XXXX XXXX was in the works. I refused to speak with XXXX XXXX after that conversation because she talked down to me and seemed as excited and joyful as a soccer fan as she relayed to me all the terrible things OCWEN was going to do to me. Her tone of voice was jovial, full of joy, excitement and passion, as if she was engaged in XXXX and really XXXX delivering bad news. Reversing the loan modification of XX/XX/XXXX was put on the back burner when I reported the reversal of my loan assumption and my six year perfect payment history and that OCWEN was stealing Keep Your Home California money and HAMP incentive money that I as a home owner had applied for and earned by my perfect payment history. The abnormal amount of time my " Probation '' period lasted feels criminal and very punitive. It also feels punitive, as if I am in some sort of debtor 's prison that my six year perfect payment history only seemed to annoy OCWEN and make them try harder to find ways to punish me, lowering my credit score with an assortment of different " optional '' remarks that carry hefty score lowering clout, causing my score to drop XXXX to XXXX points as soon as the optional remarks were added by OCWEN. Each time Ocwen would claim the remarks were " Mandatory '' even though all the bureaus said they were completely " Optional '' and each time the remarks were different. XXXX XXXX became my next point of contact in the Ocwen Ombudsman 's office. In a soft spoken, serious voice he would send me on back to back wild goose chases to verify if the accusations he made against XXXX, then XXXX, then XXXX again were true or false. It was a great burden on me to write letters, make phone calls and check out the accusations and in each case what XXXX XXXX claimed was caused by XXXX or XXXX was in fact caused by OCWEN. XXXX XXXX would make serious accusations against XXXX, accusing them of changing the XXXX score. I told him that from now on he needed to put his accusations in writing. He did put in writing that OCWEN puts score lowering statements on MANY Ocwen accounts, remarks that are optional but OCWEN has made a mandatory internal policy to lower scores however they can. XXXX XXXX told me many of the " errors '' he correct could " happen again '' and he would fix them again. I contacted his supervisor and his supervisor 's supervisor. The sheer number of times there have been " errors '' on my account since XXXX XXXX is proof that OCWEN is either the most incompetent organization on earth or engaging in criminal activity or perhaps both. I feel like I have been financially kidnapped by OCWEN and denied my Constitutional rights. OCWEN is engaging in a form of slavery. Even after OCWEN it told not to overturn loan mods, they started the process of overturning my XX/XX/XXXX loan modification. They only put the process on hold because XXXX XXXX told me to report OCWEN to the CFPB. They have indicated to me that it could happen in the future and that the assumption of the loan could be reversed again, my credit score could be messed up again by incorrect info reported by OCWEN. They threatened me by telling me every time I report them it to the Attorney General and the CFPB, it causes them to do things that harm my credit score, that it 's my fault
Company Response:
State: CA
Zip: 90710
Submitted Via: Web
Date Sent: 2016-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes