Date Received: 2016-08-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Late XXXX 2016, I was inquiring with my lender - OCWEN how best to payoff the loan without any problems, since I was planning to do this by XXXX 2016. In addition, I inquired about the payoff amount ( {$38000.00} ). I mentioned by phone to my lender - OCWEN that I would be paying off the loan in XXXX 2016 and that I needed to hold off on paying that month, since it would throw-off the new lenders payoff calculations. My lender - OCWEN was aware that I was about to payoff the loan in full in XXXX 2016, but there was a delay with my new lender and I ended-up paying off the loan on XXXX XXXX, 2016. I did n't think it would be a problem on my credit, since I discussed this issue beforehand with my lenders support staff and they agreed by phone to that affect. I 've always been in good standing with my lender OCWEN, up to this point, where I was paying off the loan and they gave me wrong information in terms of my credit being compromised. My track record shows that I 've always paid on-time and that has never been a problem. I was planning to retire on XXXX XXXX, 2016 after 24 years of service to the military and I was refinancing this loan before getting out. My credit score before this issue was approx. XXXX. My score dropped XXXX points because of this error. As a retiree, this is a major issue and I addressed this issue to their Research Dept. with no success. BTW, there were recorded phone conversations about what we discussed. I hope you can have my lender retract this credit report error so as a retiree ... .I 'll have peace of mind.
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2016-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Hi My Name is XXXX XXXX and I reside at XXXX MD XXXX. I have lived here for 10 years and having been hit by the financial melt down where I have fallen behind my mortgage for a while. My problem is that I have been working with Ocwen Loan servicing on modification of my mortgage. They have me sending documents over and over again and they keep misplacing them. They then sent me to a XXXX XXXX, where we discussed that my contribution partner income does show a year to date income on their pay stub, even dou we have a yearly income and have verifed that he makes that income every year..My last conversation with her was that she was going to get a letter directly from the employer and she could not she will let me know.She sent me an email on the XXXX saying she has not received the documents from XXXX XXXX mover but yet they have scheduled for foreclosure. Every time they need a document they just go ahead and schedule for foreclosure. It seems they are more interested taking my property from me and my family than at list review my documents for a modification. Please help me get reviewed by them .Thank you
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2016-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen is not complying with the Ocwen National Servicing Agreement and the National Mortgage Settlement. Ocwen is relying on a fabricated document to conduct a foreclosure sale. The mortgage transfer filed in XXXX XXXX was filed by a known robo-signer, XXXX XXXX. According to the National Settlement website, " The consent order addresses Ocwen 's misconduct during the mortgage servicing process. It also covers XXXX companies previously purchased by Ocwen, Litton Loan Servicing LP ( " Litton '' ) and Homeward Residential Holdings LLC ( previously known as American Home Mortgage Servicing, Inc. or AHMSI ). Ocwen must also pay XXXX to the nearly XXXX Ocwen, Litton, and Homeward borrowers who have already been foreclosed upon and Ocwen must adhere to significant new homeowner protections. The consent order requires that Ocwen follow the servicing standards set up by the XXXX National Mortgage Settlement ( NMS ) with the XXXX largest banks. Ocwen 's compliance with this settlement will be monitored by the same professional monitoring team currently in charge of enforcing the NMS, led by former North Carolina Banking Commissioner XXXX XXXX. '' According to the United States Department of Justice News Release, " The court documents filed today also provide detailed new servicing standards that the mortgage servicers will be required to implement. These standards will prevent foreclosure abuses of the past, such as robo-signing, improper documentation and lost paperwork, and create new consumer protections. The new standards provide for strict oversight of foreclosure processing, including third-party vendors, and new requirements to undertake pre-filing reviews of certain documents filed in bankruptcy court. The new servicing standards make foreclosure a last resort by requiring servicers to evaluate homeowners for other loss mitigation options first. Servicers will be restricted from foreclosing while the homeowner is being considered for a loan modification. The new standards also include procedures and timelines for reviewing loan modification applications and give homeowners the right to appeal denials. Servicers will also be required to create a single point of contact for borrowers seeking information about their loans and maintain adequate staff to handle calls. '' Ocwen is continuing with the foreclosure abuses of the past by relying on this robo-signed document and by listing our home for foreclosure sale while it is being reviewed for a loan document. All documents have been received for the loan modification by Ocwen as of XXXX/XXXX/XXXX. Ocwen 's account analyst from the Consumer Ombudsman nor Ocwen 's legal attorney, XXXX XXXX are familiar with the new servicing standards or the Ocwen National Servicing Agreement and the National Mortgage Settlement.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2016-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen raised my monthly payment wrongfully after stating I did not have " acceptable '' insurance. I disputed the amount of escrow they charged, and did not pay that amount while it was in dispute. I did make my monthly payment, and have an unblemished payment history going back for years. They filed a negative credit report with the credit reporting agencies saying I had missed a payment, which was false and untrue. I have never missed a payment. Now, my credit score has gone from " Good '' to " Poor '' thanks to their screwup in wrongfully saying I had missed a payment, which the record shows I have not. Also, I have not heard from Ocwen about my complaint to you and them that they wrongfully raised my mortgage amount by more than {$400.00} a month to pay the escrow for an alternative insurance policy they bought for me, which I did not need because I had insurance already and sent them numerous notices to that effect. This is victimization of homeowners at its worst, and I want this stopped, my credit score fixed by having them withdraw the negative report, and all monies payed to them wrongfully for the outrageously high, unnecessary increase in my escrow amount to be refunded.
Company Response:
State: FL
Zip: 33606
Submitted Via: Web
Date Sent: 2016-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: in 2014 the lenders of my morgage changed hands from GMAC to OCWEN loan service. at that time my payments were XXXX as of today they are XXXX in XXXX XXXX 2014 they informed that they have decativated my account while changing from GMAC to OCWEN XXXX i have a strong feeling that by talking to insurance agents form XXXX that they have put a XXXX insurance policy that i have never authorized. i have been trying for the past 3 years to get them to drop this insurance policy and lower my payments but have not had any sucess. i have contacted XXXX to get help filling out the paper work. since i am on a fixed income of less than XXXX a month this has put me in a finicial bind. i have called repeatly to get answers all they are telling me is that they require me to pay this extra insurance that only benifits OCWEN. i have homeowners insursance that i have had for 10 years. never had a claim never been a lasp this insurance is through escrow. this is the policy has been approved by company that is all i need to cover my home. i would i welcome any help you can give me or i will lose my home.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2016-08-19
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Reference # XXXX Since my original complaint, my existing short sale has reused to offer $ XXXX and as of now has yet to offer his original offer of {$50000.00} and proof of funds. I have exhausted myself trying to find available housing because of Louisiana being declared a " DISASTER AREA '' being flooded in so many parishes and no immediate solution for housing. I applied for a reverse Mortgage to keep my house as is since I am XXXX and going to be XXXX on XXXX XXXX of this year and you only need to be XXXX years of age. I have been pre-accepted if I can refinance XXXX XXXX with a Reverse Mortgage that I have been approved for. I must get Ocwen 's acceptance and I am in the process of getting an approval letter from the Bankruptcy Court. I am working with XXXX in order to receive protection and in order to insure that the refinance is approved. Please let me know, I pray that Ocwen allows me to refinance XXXX XXXX for {$56000.00} as any XXXX off the street can do and stay in my residence until my death. I see it as a WIN WIN since I am ill and otherwise will be homeless after my family has XXXX years of equity in this family home. This is only acceptable if Ocwen agrees to allow me to refinance my home at XXXX XXXX and accept {$56000.00} as payment in full " As is Where is ''. I await your response. Thanks, XXXX XXXX XXXX
Company Response:
State: LA
Zip: 70072
Submitted Via: Web
Date Sent: 2016-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX XXXX our daughter who was XXXX years old at the time had a XXXX within one week. She is know XXXX. My wife was forced to leave her job at the XXXX XXXX so she could take our daughter to multiple weekly appointments which continue today. Unfortunately the loss of her income did not leave us any choice but to file CHXXXX bankruptcy. The trustee made small monthly payments to OCWEN while we were under bankruptcy protection. Our case was discharged on XXXX XXXX XXXX. I have spoken with OCWEN several times over the past year and submitted paper work many times for a loan modification. Each time they said they never received all of the paperwork. My remaining balance with Ocwen is around {$100000.00}. I meet all of the criteria for a government loan modification yet they keep denying me. I have been forced to hire a law firm to protect my home. My current mortgage percentage rate is 9.2 %. If OCWEN would work with me and lower our interest rate and monthly payment, we could retain our home. Our home is the only thing my wife and I have and would expect OCWEN to follow federal guidelines and not give us the run around.
Company Response:
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2016-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-18
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: ON XXXX XXXX, 2016 I SENT US BANK ASSOCIATION A QUALIFIED WRITTEN REQUEST IN REGARDS TO COURT DOCUMENTS DROP OFF AT MY FRONT DOOR BY THE LAW OFFICE OF XXXX, XXXX XXXX XXXX, XXXX. ABOUT FORECLOSING ON MY HOME. I HAVE NOT BEEN SEVERED PROPERLY, AND US BANK ASSOCIATION HAVE NOT RESPONDED TO MY QWR IN A TIMELY MATTER.
Company Response:
State: NY
Zip: 11763
Submitted Via: Web
Date Sent: 2016-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Paid the amount of XXXX via an ACH transaction with my bank and another XXXX via ACH transaction with my bank to OCWEN loan Servicing LLC ; they ( OCWEN ) have first told me they processed the amount and then said that it was returned due to insufficient funds. Per Faith ( loan consulant XXXX ) and XXXX ( Customer Service Supervisor XXXX ) the funds were returned on XXXX XXXX to my account with XXXX XXXX ... no such transaction per XXXX XXXX has taken place. XXXX federal agent XXXX produced a trace confirmation letter for each transaction which is attached. I would like to know where {$1000.00} dollars has gone and this is not the first time I have filed a complaint with CFPB regarding OCWEN and their loan practices.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2016-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Mortgage reported to the credit bureau that I was 60 days late on my mortgage payment. I made two " additional '' payments. This brings me up to date. Ocwen has refused to update my files. Additionally, they continue to charge a late fee.
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2016-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes