Date Received: 2016-08-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing took over my loan from Litton Loan Servicing XX/XX/XXXX, my contract with Litton Loan shows a deferment of $ XXXX which was documented for removal within 12 months if I stay on the property. After the 12 months when Ocwen Loan Servicing took over my mortgage they rolled the XXXX into my current principal balance of $ XXXX bringing my total mortgage to $ XXXX during another modification that took place in XX/XX/XXXX. I have called, written letter and shown proof that the XXXX removed from the principal balance under the legal agreement signed and notarized by Litton and myself. However, I am unable to speak with anyone that speaks English clearly, or that will respond to my claim. Letters have been sending to the research to remove the deferred under the Dodd-Frank agreement that was signed with Litton ; however, they refuse to acknowledge. I am not sure where else to go to to get help with the organization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07960
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: Settlement process and costs
Subissue:
Consumer Complaint: Ocwen Mortgage company is involved in theft by deception. I filed a complaint with the XXXX XXXX office on XXXX XXXX. My house was destroyed by fire in XXXX of 2015. I reported this to mortgage company and they continue to send my statements for a property that is totally destroyed and was probably paid off by insurance company. My mortgage amount owed at the time was XXXX but the value of the property was approximately XXXX. So my wife and I our owned money after the property was paid off. Ocwen refuses to pay us the money owned. I also filed a complaint with the XXXX police dept on XXXX XXXX related to my Niece and her husband plotting to poison us. What is interesting is that Ocwen Mortgage was sending our statements directly to her without our knowledge or approval. So it appears that Ocwen was also involved in a conspiracy XXXX. She was used to hold the property until my wife and I were successfully XXXX so that the property could be transferred to family. Because I reported this to the police in XXXX of last year, the property was deliberately destroyed in order to avoid their being a connection between Ocwen and our family. The specific details and evidence was provided to XXXX XXXX and XXXX Police Dept. My loan account number is XXXX and the property is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My name is XXXX XXXX and my current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 16801
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: I have a XXXX mortgage being serviced by Ocwen and XXXX/XXXX/15 we lost our home to a tornado. XXXX XXXX paid out for the exterior on XX/XX/XXXX for a total of $ XXXX. On XX/XX/XXXX I contacted Ocwen and told them what had happened and requested to get a payoff for the loan since insurance was going to be giving me a payout. I was transferred to XXXX who was our account manager. He told us at the time to stop the autodraft payment from our checking and no need to make the mtg payments and that they were negotiating the account. I was n't sure what was to be negotiated at the time, I just assumed that the insurance company had also contacted Ocwen. He also said they needed to get " boots on the ground '' to review the damage. XXXX said that someone would be out to the home to view it on XX/XX/XXXX but nobody showed up and I had received very little calls or updates prior to this and nothing telling me the inspection was getting pushed off. I was getting irritated and aggravated and kept getting the run around every time I called. On XX/XX/XXXX Ocwen wanted to know how much we received from insurance payout and at that point they said they were going to see about taking a lesser amount since insurance did n't cover both outstanding loans. Not something we requested but they decided to do on their own. We originally just wanted a payoff back in XX/XX/XXXX so we could pay the loan off and the difference that was n't covered. On XX/XX/XXXX we finally got a call back from XXXX and he was going to send us a payoff code. It was going to be another XXXX weeks before someone was going to be out there to inspect what was left of the home. It was also going to be another 20 days before the next call from XXXX b/c he was so busy. We were getting fed up with the runaround from Ocwen b/c all we wanted to was to payoff the loan so we could proceed with re-building and moving on with our lives. I called them on XX/XX/XXXX and spoke with XXXX different people ( XXXX, XXXX XXXX and XXXX ) then I was transferred to a manager XXXX XXXX. He said he was going to send me the docs and stuff to payoff the loan. During the calls nobody could understand what a tornado was and that it leveled our home. They kept asking me what part of the house we were living in and when we were going to move back into the home. On XX/XX/XXXX I still did n't have the payoff information and I spoke with a XXXX who was the manager above XXXX and XXXX. He said he was going to get this handled and did get someone to finally come out to the home to inspect it by XX/XX/XXXX. I have had several calls with different people each time and nobody seem to know what was said or done from the prior calls and felt like I had to explain the process all over again each time I spoke with someone new. I would ask for phone numbers for the people that were supposed to call me but they said they could n't give me their direct numbers. I constantly got the run around like the left hand did n't know what the right hand was doing. We could n't get a call back from XXXX or an update b/c he was too busy. We did hear from a XXXX ( pronounced XXXX ) and her ID was XXXX and her number was XXXX and she said it was a miscommunication and that the derogatory items reported were going to be removed from our credit report. To this day they are still being reported to the credit report as a XXXX and 60 day late despite Ocwen telling us not to pay the mtg. It has been a mess from day 1 and all we wanted to do from the beginning was pay off the loan and they have made this much much harder than it should have been.
Company Response:
State: TX
Zip: 75089
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: Settlement process and costs
Subissue:
Consumer Complaint: My mortgage company informed me of a balance of XXXX + fees on my mature loan XX/XX/XXXX. I have had contact every week with Ocwen since XX/XX/XXXX.Litton Loan turned my loan over to Ocwen XX/XX/XXXX.Ocwen is pushing for me to Modify loan without explaining fees and balance. I requested and received a payment history with dates and figures scattered out of chronological order-XXXX pages to be exact. I color coded dates/figures to find out why Litton and Ocwen has charged me late fees during forbearance agreements that they set up. I thought HUD was my protection against any agreement to charge fees that was not written? There are at least 3 years worth of forbearance agreements with late fees for each month consecutively. In addition, an average of XXXX lockbox fees are on each of the XXXX pages, plus prior servicing fees that no one can explain. My case is now being looked at by Ocwens research dept. Did Litton set me up to accumulate fees on purpose? Are there systems that out of date that a mistake was over look? Ocwen had their Ombudsman look at my initial concerns and said there was no errors found. Basically, XXXX XXXX Office of the Consumer Ombudsman sent a copy of my original loan plus a modification packet for me to modify loan. To date Ocwen will not take any monies except for the amount I mentioned. Do I have any HUD protection?
Company Response:
State: OH
Zip: 44035
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: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), and also The Federal Trade commission states payment must be credited the date it was received. I filed a complaint with Ocwen Mortgage company by phone and they replied XXXX XXXX, 2016. They stand firm with processing the XXXX XXXX Payment the following day instead of the day received. This violates Fair Reporting practices and Loan servicing rule. Any assistance you can provide will be greatly appreciated.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2016-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: After completing chapter XXXX bankruptcy, I have been getting harassment calls from Ocwen stating I owe XXXX XXXX plus dollars, which is incorrect. First it was stated I missed a payment in XXXX, then after many frustrating calls then it was stated I missed a payment in XXXX, which is incorrect. I have paid my XXXX mortgage payment in the amount of {$1700.00}, which they returned partial payment. They returned {$990.00} and stated they could not take partial payments. I then stated where is the {$750.00} that was sent to you guys on XXXX XXXX. XXXX along with the {$990.00} and it was stated they never got it. All my payments are through my bank with Bill pay from XXXX. Then it was stated they returned the {$750.00} and I stated I never received it. The {$990.00} they returned to me, I sent it right back through bill pay. As of Friday they stated they returned my payment back to my account on XXXX XXXX, XXXX, and as of today I have not receive any funds transferred to the account. At this point I am transferred to the escalation department, and stated by the representative someone would call me back in regards to my funds. Well no one did call back. Now my XXXX payment was sent on XXXX XXXX through bill pay like always. The part that has me stressed is the fact they are holding on to my funds stating they returned it, second they are telling me my mortgage is {$1700.00} a month which in fact is {$1700.00}, third how can you say I missed a payment when the books and the book keepers are not accurate when they ca n't even get the correct amount of the mortgage payment, and fourth, the last analysis on the account was in XXXX which states I have a sur plus of {$640.00} but I ca n't be told what happened to the funds because they do n't have a record of it and they do n't see this information in the system. As of XXXX, I have not received any analysis on my account. I thought this is done yearly? So here it is I am harassed about money Ocwen states I owe but yet they do n't apply the funds and then lie and say it is returned. {$750.00} + $ XXXX, so how do you keep {$750.00} and do n't account for it. The only best thing to this is bill pay has every transaction from credits to debits on the account and who the check was made out to.
Company Response:
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2016-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-14
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have been trying to get a loan modification since XXXX 2016 from ocwen. All i get from them is account is in review. They have stopped accepting partial payments and will not help with loan mod. They keep telling me some underwriter with no way to contact them has my information.
Company Response:
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2016-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage company has given me the runaround concerning insurance loss drafts for four months now. I sent them a $ XXXX check from my insurance company for water damage repairs. I have two contractors. One to remove mold and one to replace duct work. The mold contractor finished their job two months ago. The duct work replacement begins mid XXXX. I have requested full payment for the mold contractor for two months now. The mortgage company suddenly had additional forms I had to submit that they did not send in the first packet of XXXX forms and threw up all kinds of roadblocks and delays imaginable until they finally agreed to pay the mold contractor. I received the checks today ; however, instead of providing full payment for the mold contractor, half of the mold contractor payment was provided and a third of the payment for the duct work contractor who does n't even start work until mid XXXX? All I wanted was full payment for my mold contractor that finished their job 2 months ago. The mortgage company is still holding $ XXXX for the duct work contractor. Who can help me?
Company Response:
State: VA
Zip: 23504
Submitted Via: Web
Date Sent: 2016-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We are attempting to sell our house but can not because Ocwen in unable to provide us an accurate payoff amount. Due to a prior loan modification, Ocwen and I have a profit sharing agreement if I sell the home for more than the baseline amount, modified by any capital improvements I have made since the modification. Receipts were sent to Ocwen on XX/XX/XXXX and XX/XX/XXXX concerning capital improvements. Ocwen acknowledged receiving them and promised to respond within 24 business hours per their email. It is now XX/XX/XXXX and both my wife and I have spoken to Ocwen multiple times with zero results. Anyone we talk to says they will look into it and get back to us but never does. At this point I expect to need to get legal representation because Ocwen is causing me financial harm as I can not sell my home due to them not following through on their contractual obligations. It is impossible to talk to anyone who knows anything about anything and my contract to purchase a new house is about to expire as I can not sell my home as agreed upon.
Company Response:
State: FL
Zip: 32720
Submitted Via: Web
Date Sent: 2016-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen has reported me late on a couple of my mortgages on XXXX different occasions, yet I made every single payment. The problem stems from them changing the amounts due. I have my XXXX mortgages, a XXXX, and a full-time job to run, and as such I receive upwards of XXXX pieces of relevant mail every month, so reconciling each and every figure against my automated bill-pay amounts, will occasionally result in incorrect amounts. This is NOT the same as missing a payment. In all bad reporting situations, my payments were more than sufficient to cover the due interest and principal, but there was a shortage on the escrow payment. Escrow payments are projected estimates. When Ocwen overestimates the escrow, they send me a check at the end of the year, without interest. When I underpay my escrow, they report to the credit bureaus that I MISSED a payment altogether! How is this justified that they can overcharge escrow, but when I miss a fractional amount of an escrow payment, they can penalize me like I 'm completely irresponsible and destroy my credit?? I 've appealed to them but they respond with robotic zeal and refuse to accommodate me. Other banks send ebills to my bank so the payments adjust automatically ; and if you miss a payment with any other lender, they give you a courtesy call to make you aware of the change in payment amount. Not Ocwen, they have nothing but paper bills ( what century is this?? ), and if you 're XXXX cents below the amount, they just destroy your credit with not a warning whatsoever. Because of this company, my credit remains damaged to the point that I can not refinance, causing me to spiral out of control in my debt as the ARMs adjust. Ocwen will put me into bankruptcy because I was short a few dollars on my escrow payment! Please help me end this bludgeoning.
Company Response:
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2016-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes