Date Received: 2016-08-17
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: Ocwen is the serve provider for the mortgage. I can not verify nor can Ocwen but I believe the holder of the note is XXXX XXXX. The mortgage was purchased by the above companies from XXXX XXXX. It was a Home Affordable Modification Agreement processed after my divorce to my ex wife. In accordance to the divorce degree dated XXXX, I was asked to cooperate with her in getting the mod. The mod is solely in my name as was the original mortgage. However because XXXX XXXX knew of the divorce and the terms of the agreement they structured the modification to add the Federal Law XXXX 12 U.S. Code 1701j-3 allowing the mortgage to be assumable to my ex wife provided she was living there and the house was quit claimed to her. Both are fact as she has been living there, paying the mortgage and the house was quit claimed at the time of the divorce XXXX. Shortly thereafter the mortgage was purchased by XXXX XXXX and Ocwen became the service provider. Since XXXX I have been attempting to remove my name from the mortgage and have my ex wife assume the mortgage as stated in the federal law XXXX XXXX 12 U.S. Code 1701j-3. Ocwen sent me e mails claiming the mortgage was not assumable and they were not familiar with the federal law XXXX XXXX Act. After 2 years Ocwen acknowledged in writing that the mortgage was assumable under the federal XXXX XXXX XXXX. Ocwen issued an e mail to me stating that I would have to amend the terms of my divorce decree to allow such an assumption in accordance with the provisions of the XXXX XXXX XXXX. I have spent thousands of dollars in court and attorney 's fees to gain all the required doc 's Ocwen insisted I provide in the subject e mail to me. I e mail Ocwen on XXXX XXXX the information they required to remove my name from the mortgage by the federal law XXXX XXXX XXXX. Ocwen now has stated they will not remove my name without reason. I spoke to them again on XXXX XXXX, XXXX and they stated they may review it again. I am writing to the CFPB because I have done exactly what I was asked to do by Ocwen to remove my name and have spent thousand of dollars to get them to recognize a federal law. I also have read that the CFPB in XXXX ordered Ocwen to provide XXXX in relief for wrong doing. Part of the wrong doing was 1 ) Providing false or misleading reasons for denying 2 ) Failing to honor previously agree upon modifications with prior banks or servicers. I truly believe this is the case. In fact when you read the XXXX XXXX XXXX their is no mention of the decree having to state anything about an assumption. the law is written into the language of the mortgage.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2016-08-17
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: I have had a mortgage since XXXX. When I originated my mortgage, I asked to not have an escrow account and I successfully paid for my insurance and taxes. Ocwen acquired my loan in XXXX. I had hazard insurance and paid my taxes in full each year. In XXXX XXXX, Ocwen called me and informed me that while my payment on my mortgage payment to them included an amount to cover a sufficient windstorm policy, they discontinued it and I needed a new policy. They told me I had until XXXX XXXX, XXXX. I secured a policy before the due date and faxed it to them. They said a few times that they had not received it. They went on ahead and put forced place insurance coverage in place. After finally receiving my insurance, they credited me back SOME OF the {$1600.00} in forced place insurances, but there was a balance remaining. Apparently, since XXXX XXXX once they acquired the insurance, they took every mortgage payment I had and suspended it, choosing to apply my mortgage payment first to my escrow balance they created and then to my mortgage. I called in and found out about them saying I was late, but never knew they would actually report this on my credit as we were in dispute. In all the years I have had my mortgages, no one had asked me to have windstorm. Once told to get it and by which date, I obtained it. I did not know they needed to me to have to itany earlier. They refuse to recognize that this was not something I was ever told was a must until XXXX and when they gave me a date, I performed. They have not applied my mortgage, reported me late, threatened foreclosure because of the lates. All the while, I continue to pay my mortgage. Now they say I only owe {$120.00} in that escrow account. Because I had my own policy and was within compliance, I refused to still pay theirs without verifying information. I asked to speak with their legal department and their insurance department to get dates. I have been told several times that they do not have a legal department and despite me asking for arbitration or mediation in writing, they have never granted me this request. The amount I owe is less at this point as they keep decreasing it, but still over what I am supposed to pay on my loan note so they are continuously reporting me late, charging me late fees and ruining my credit which has impacted my business. They call me at odd hours day and night telling me to just pay, threatening me with foreclosure and more bad credit ratings. Today, I called in tears to ask for help and stayed on the phone for an hour. The guy names XXXX tried to get me to confess that I knew I needed the insurance, which I did not, he said he would submit something to remove the negative credit, he referenced a phone call with XXXX on XXXX/XXXX/XXXX that said I knew my credit was ruined so they would not fix it, and then the insurance agent we conferenced in at Ocwen stated they received my policy, and refunded me only the portion that was not used. But I did not know I insurance, windstorm insurance specifically, was a requirement in XXXX XXXX, the month they claim to have the forced place policy. I heard from them in XXXX XXXX that I had until XXXX XXXX so how was I ever supposed to know I had been dropped with them, or that I needed it? Now they misappropriate my mortgage payments causing me to be late on my mortgage and blame all of this on me. How can I get the help I needed going in circles like this? Please help me save my credit and avoid losing my home. I have never been late on my mortgage EVER!
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2016-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-18
Issue: Settlement process and costs
Subissue:
Consumer Complaint: My name is XXXX XXXX and I have been filing complaint after complaint against Ocwen Loan Servicing regarding their failure to provide me with the satisfaction of my loan documents. Please refer to previous complaints on file. Ocwen has been repeating over and over again that they do not have to file a lien clearance because there was no XXXX continuation ; however, every attorney I have contacted concluded that issuing a lien clearance, even when there was no lien continuation, is the obligation of the last servicing agent - i.e. Ocwen Ocwen has been servicing the loan on behalf of an investor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX whom I did n't know existed until late last year when I was forced to sell another unit I owned in the same building. Ocwen has further claimed that they had lost the original loan documents when in fact their records indicate that they did receive the loan documents from XXXX XXXX XXXX. Ocwen is going out of its way to pay for lost documents they never lost and refusing to issue the lien clearance. I have never dealt with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX nor any other party but the financial institution thru whom I requested the initial loan from - The XXXX XXXX XXXX. This financial institution after filing for bankruptcy almost right after the closing took place, which it seems XXXX knew beforehand as records show that the same day my loan closed in XXXX, XXXX took the liberty to assign the note to their sister company XXXX XXXX without ever disclosing it to me - the borrower. XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all related parties ; however they never disclosed their identity nor their participation in the notes thru the years. They simply worked under the table to get shareholders leave them with the notes ( horror stories I heard thru the years which it was hard for me to believe until I experience them myself ) It is clear to me that the above is a ring of corruption that needs to be stopped. I need to know who has taken illegal assignment of my note as that is the only explanation I can find for Ocwen 's reluctance to issue the lien clearance and the fact that XXXX XXXX XXXX filed for a XXXX on my loan in XXXX when I never had any involvement with them. Sincerely, XXXX XXXX PS None of the mortgage process listed below applies to this complaint. My complaint is related to the final payment of the loan. Ocwen is a collection agency and that is another thing I do not understand : why was my loan serviced by them when I never defaulted on my loan and they were always paid on time. Was their investor trying to show that I was late so that they could claim the property on foreclosure as they did in many other cases to later re-acquire them at a bogus price to avoid paying the taxes,,, ,and the respective fees to the Corporation (? )
Company Response:
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2016-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I applied for a loan modification with Ocwen Loan Servicing on XXXX/XXXX/XXXX after receiving a notice from Ocwen that my payment was going to increase 80 % effective XXXX! The initial response from Ocwen was a request for additional supporting documentation. I complied with the requests and each time I submitted documentation we scheduled a meeting with a relationship manager which was typically scheduled 3 weeks from each contact. By XXXX/XXXX/XXXX the meetings with my Relationship Manager ( of which I have had 3 separate individuals instead of a single point of contact ) became petty. In this particular meeting he asked me to complete the XXXX form by adding " XXXX '' in the blank space. I advised him my XXXX tax return has been extended and I had already provided documentation of such about 30 days prior. On XXXX/XXXX/XXXX I was advised a specific section of the application only had my first and last name. I was asked to insert my middle name and resubmit. My file was then bumped out 3 weeks for my next meeting with the relationship manager. My most recent meeting which occurred on XXXX/XXXX/XXXX and was with a XXXX Relationship Manager. She was not familiar with my file and began to ask me why my application had been pending since XXXX. She placed me on hold XXXX separate times in order to familiarize herself with my account but by the end of the call she said all of my documents are older than 90 days and therefore I will need to start over by submitting a new application. I attempted to explain to her that I have submitted the same documents on multiple occasions and had it not been for the 3 week delays every time I submitted a document then the application would never have taken so long. My mortgage is still scheduled to increase by 80 % on XXXX/XXXX/XXXX and I am under the impression my application was intentionally delayed in order to capitalize on my increased payment.
Company Response:
State: OR
Zip: 97478
Submitted Via: Web
Date Sent: 2016-08-17
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: Thank you CFPB! I finally received the documents of the transactions that I have requested from my mom 's mortgage company - Ocwen Financial Services since my last complaint through the help of CFPB case # XXXX. I am seeing a lot of charges for Attorney Fees and other charges. I would like a detailed written account of each transaction of the fees assessed to help me understand why my mom was charged over XXXX charges in fees, XXXX charges in attorney fees and XXXX certified mail charges during the life of the loan with them. Some of those charges occurred multiple times during the same date. I would like the date of the charge and an explanation of how it was assessed. I would like to receive this information within a week 's time. Thank you.
Company Response:
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2016-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX XXXX we started modification on our home mortgage with Ocwen Financial. They drug their feet so long we finally had to file for a chapter XXXX BK in XXXX XXXX. It was discharged in XXXX XXXX. The following year, XXXX XXXX, they decided they would modify our home loan. From XXXX to current we have rebuilt our credit and have been current on the loan to this date. We are in the process of refinancing the loan to gain a lower interest rate. When we pulled our title we saw the XXXX was never released as a current lien. We have been waiting to close since XXXX XXXX, XXXX but ca n't until Ocwen gives us a release of lien. As per the statue of limitations ( 5 years of none collection ) it has been since XXXX XXXX, XXXX was the last recorded payment which is 8 years. Plus the XXXX was included in our chapter XXXX bankruptcy. Our attorney sent them a demand letter XXXX XXXX, XXXX stating the Idaho code section 6-411, 5-214A and 6-413 to remove the deed of trust ( XXXX ) and gave them 10 days to deliver. They sent us a letter saying they needed until XXXX XXXX to accomplish this. XXXX XXXX we got another letter extending to XXXX XXXX, XXXX. XXXX XXXX came and went and no release of lien and not letter explaining why. I have called them numerous times and only get a voice mail. We are against the wall as they are not adhering to Idaho Code and Bankruptcy laws. Please help us obtain our objective. Thank you XXXX XXXX XXXX
Company Response:
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2016-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-17
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I divorced my husband XXXX XXXX, XXXX. The divorce decree states that he must refinance the home we shared within sixty days. To date he has not, and I am told can not. On Monday XXXX XXXX, XXXX I applied for a personal loan for a vehicle and was told I am in foreclosure. I have missed XXXX payments on my mortgage so with further explaination I discovered it is my exhusbands house in foreclosure and I am still on the mortgage. When I divorced my husband the Mortgage holder was GMAC. Since this time he has a new mortgage company and has modified the loan and the lender named OCWEN is now the new mortgage company. I have received no communciation from this company, no notices of late payments, and now I find out XXXX XXXX, XXXX his home is going to Sheriff Sale. He owes XXXX and its valued at XXXX. How can this loan have been changed at all without my signature and approval? I called this company since they are listed now on my credit report and they will not speak to me, yet confirmed I am a liable party on the mortgage. This mortage company must have allowed him to make all of these changes without my signature. I am told you may be able to assist in this matter.
Company Response:
State: MN
Zip: 55033
Submitted Via: Web
Date Sent: 2016-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: To keep property from foreclosure we made a payment of {$9300.00} on XXXX XXXX, XXXX. I have made the mortgage payment every single month since then. Ocwen says that there were additional fees after we paid the {$9300.00} of {$970.00}. I dispute that because they would not even accept the cashiers check unless it was for the FULL amount due. However, even if you count the {$970.00} and the 2 1/2 weeks insurance they say we owe from XXXX XXXX - XXXX XXXX, XXXX it still would NOT come out to {$5000.00} that they say is owed now. HOW CAN THEY TAKE MY MORTGAGE PAYMENT AND APPLY IT TO THEIR BOGUS CHARGES? I HAVE NEVER MISSED A PAYMENT SINCE XXXX XXXX They have ridiculous fees like " Property Inspection Fees '' do they come out and inspect the property? NO they do n't. And Certified mail.. really? They show that they send these out every two weeks ... .and charge a lot for them. I do n't get those. " Title Search '' for {$520.00}, Why would they do this? I am not buying the property again or refinancing it. And endless other needless fees and charges ... endless.. They did not accept my Insurance Agents faxes that she sent 3 different times even though we called and got the phone number to send it to. We had no way of proving that she sent them even though she did. It took months to get them to acknowledge that we had insurance and in the meantime they charged us for the insurance and additional fees. So, because they applied my mortgage payments to their padded fees and taxes, the record shows that I am 2 months behind in my mortgage payments when I have NEVER missed a payment since XXXX. In reality, the only thing that I possibly owe for is the {$970.00} of fees that came in after the XXXX XXXX payment. All the rest is their charges and fees that they have scammed me with. I called and tried to settle this many times, and was so frustrated that almost had a nervous breakdown. Then I just had to let it go until I could handle it. Seriously, dealing with people from XXXX who I CAN NOT UNDERSTAND WHAT THEY ARE SAYING and they can not possibly even begin to understand what I am talking about or relate to me in any way. Never speaking to the same person and not being able to have an extension to talk to the same person. Not being able to talk to someone here in the US. AND TELLING THE SAME STORY OVER AND OVER AND AND OVER AND OVER AGAIN until you give up. It 's a form of mental abuse. MENTAL ABUSE. Endless XXXX. I want resolution. I do not owe all the endless fees and charges. I had home owners insurance and if they do n't accept my proof, it is not my fault. They are the best scam artists in the world .... claiming not to get the faxes or phone calls. I paid my mortgage every month. I paid for homeowners insurance. They need to credit me for all their charges. Not even to mention that they turn me in every month to the credit bureau for something that is false. I am not behind in my mortgage payments or insurance. PLEASE RESOLVE THIS. Thank-you.
Company Response:
State: CO
Zip: 81004
Submitted Via: Web
Date Sent: 2016-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-16
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have previous had an auto loan XXXX and a refinance with XXXX XXXX a few years later. I currently have several credit cards and finance accounts with XXXX XXXX all opened within the past few years. In XXXX XXXX, XXXX XXXX sent me an offer for select customers to apply for a credit card. I submitted the application, only to be denied due to " accounts with XXXX were not paid as agreed ''. All of my accounts with XXXX have been paid as agreed. I contacted them by phone and was told that my account with my mortgage company is reporting as such. I do not have a mortgage account with XXXX. They stated that Ocwen/Litton is ( a sister company ) and has provided information that my account is not paid as agreed. I pulled a copy of my credit report and found that Owen/Litton did not report my account as if it were not paid as agreed. I previous sent a complaint about the misleading ways that my mortgage was being reported by ocwen/litton. Now they are possibly providing misleading " inside '' reports concerning my credit standing.
Company Response:
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2016-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Made a complaint previously and received documents from ocwen and upon reviewing them myself and with a lawyer, there a numerous mistakes that need to be corrected immediately! There a $ XXXX {$89.00} unnecessary fees applied/charged with ever payment made. On XXXX {$5600.00} in check form was " added '' to my principal as wel as that same amount being applied to interest and accusing a few of {$420.00}. Also, on XXXX, {$8800.00} was " added '' to my principal as well as {$2000.00} added to principal on that same date! On XXXX {$5000.00} was listed. I have numerous corporate advance adjustments that are unnecessary. Also according to my bank statements multiple payments that were paid on time were obviously held by company and then they credited them along with charging late fees. I have payments that were made by trustee during bankruptcy and the date he recorded paying is not what is documented by Litton and I also a cures late charges during both bankruptcies! Chapter XXXX in XXXX, and chapter XXXX in XXXX. I want these mistakes corrected immediately!
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2016-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No