Date Received: 2016-08-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been trying to resolve my mortgage issue with OcWEN for over two years now, and keep reading about the XXXX XXXX XXXX and the National Mortgage Settlement Administrator giving OCWEN glowing reports and upgrading them. Their are still a HUGE number of Lawsuits pending against them and I should be XXXX of them. They told me to go into arrears so that they could start the Loan Modificationa nd proceeded to delay delay dealy the results, lost paperwork that was FEDEXED to them. Stated that docs were out of date and more and more and more ineptness pushing the amount I now owe to over {$100000.00} and pushing my credit lower and lower ... This criminal organization should not be allowed to " buy '' their way out of trouble and somebody in the organization should go to jail!! I just read an article that they received a favorable rating from this bureau because they have not received as many complaints about them ... Did you ever think that normal people that they have taken advantage of are tired of complaiining when the deck is so clearly stacked against them. So I am telling everyone today if you are still having problems with OCWEN like I am keep the complaints coming. Dont let them Win they should be out of business and disallowed from paying penalties unless it is to their victims ... And no {$120.00} doesnt cover it.
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2016-08-12
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: I have been charged with invalid and unlawful charges ( property maintenance and inspection fees totaling {$210.00} ) I have asked Ocwen to supply me with copies of alleged worked done as they had no access to my property unless they entered the property unlawfully ( unlawful entry ) my property was secured by my realtor and Ocwen was notified of this by my relationship manager. There was nothing for them to maintain as they had no access to my property and there was nothing to maintain outside either.
Company Response:
State: VA
Zip: 23236
Submitted Via: Web
Date Sent: 2016-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is an issue my mom and I are having with Ocwen Loan Servicing. The mortgage is in my mom 's name, but I sometimes made payments from my bank account. In XXXX 2016, Ocwen Loan Servicing reported to XXXX that they did n't receive payments for XXXX, XXXX, XXXX. Our loan was transferred from Ocwen to XXXX in XXXX. XXXX paid Ocwen, which made the account 3 months behind. A week after this, we were notified and advised XXXX that the info Ocwen provided was incorrect. We supplied bank statements, a letter from the bank, a detailed/revolving bank statement, and ACH Transaction statements. Our bank has said that this is all the information they have. Every time we provide Ocwen with the documents they request, they come back and ask for more. First they asked for bank statements for 3 months of the payments - we provided. Then they asked for bank statements until the current time to show the payments were n't reversed - we provided. They asked for a letter from the bank - we provided. They asked for the ACH detail - we provided. They asked for a revolving bank statement - we provided. We have been told by Ocwen several times that " this is the last document they need '' and that they expect to have a resolution soon. Every time I have to contact the bank, they say they have never heard of anything like this. This has been going on for 3 months now. We have provided everything they have asked for but they keep saying they are investigating it. It 's not our fault Ocwen ca n't find the payments. I made other payments to Ocwen through their website/payment system with no issue. It 's not our fault they ca n't find the payments and we should n't be punished by having the mortgage showing 3 months behind. We have asked that the money be given back to XXXX to make the account current. Twice our bank has suggested that we submit a complaint with CFPB. We were hoping to wait until we got the funds back, but since it does n't seem like that is going to happen any time soon, we decided that now we should submit a complaint. We made the payments and do n't feel that it 's fair, or legal, that Ocwen was able to go to XXXX XXXX9 months after the payments were made and claim they did n't receive them! We are getting calls and letters from XXXX almost daily because of this. Before this happened, we had set up a mortgage accelerator to try and get it paid off faster! Because of this mess up on Ocwen 's end, my mom has had to take out money from my dad 's life insurance policy. I wish he had taken out enough to cover the full cost of the mortgage, but unfortunately we do n't have enough to pay it off completely. I feel like we are just jumping through hoop after hoop for Ocwen and they are just playing games. {$2000.00} might not a lot to them, but it is a lot of money for us! There are also late fees on the current mortgage because of this. An Ocwen representative told my mom this has happened before and Ocwen or Ocwen 's bank had directed the money to an incorrect account. After speaking with a representative from our bank today, I feel like this is really our only option. I really do n't understand how it is legal to say payments were n't received over 6 months later and when the account is showing current on their website! I also do n't understand how keep playing these games! We have provided more than enough information! It 's not our fault that they ca n't find it on their end! Please help us!
Company Response:
State: PA
Zip: 16001
Submitted Via: Web
Date Sent: 2016-08-16
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My name is XXXX XXXX on XXXX/XXXX/XXXX, I received a notice from my mortgage company Ocwen Loan Servicing , LLC denying my request for a loan modification. Non-Approval Reason was. 1. They states they were unable to offer a Home Affordable Modification because : My loan on the related property has received the maximum number of modification permitted under the Home Affordable Modification Program ( HAMP ). You are only allowed XXXX HAMP modification on " your '' PRIMARY RESIDENCE. Please note, not all eligibility factor is evaluated. 2. We are unable to offer you a Mod 24 modification because : We are unable to verify that you live in the property as your primary residence.Please note, not all eligibility factor is evaluated. 3. We are unable to offer you a XXXX Capitalization and Extension modification because : This program is only for temporary or resolved hardships but we have determined that your financial hardship is not temporary one or has not been resolved.Please note, not all eligibility factor is evaluated 4. We are unable to offer you a propriety modification because : Your mortgage loan is secured by a property that does not serve as your primary residence and is less than 60 days delinquent.Please note, not all eligibility factor is evaluated. On XXXX/XXXX/XXXX, I filed an Appeal For Denial of Loan. Informing OCWEN that I have not had a HAMP loan ( I started the process XX/XX/XXXX and was laid off XXXX/XXXX/XXXX ) which made me ineligible for the HAMP. I provided OCWEN with my drivers license, utility bill along with my property taxes to prove it was my primary ( only ) resident. I also made the aware that I was receiving assistance from the Florida Hardest Hit Program because of me being laid off. I had not heard from OCWEN by XXXX/XXXX/XXXX. I placed a call and was told to Appeal For Denial to the research department. On XXXX/XXXX/XXXX, I received the same letter stating that I had been denied ( note letter had the date of the first denial with the top page with XXXX/XXXX/XXXX on it ). I have been told that if my loan is a XXXX or XXXX XXXX, that the loan holder is to assist with helping the consumer retain their homes.
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2016-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing offer no support toward identity theft victims. I was informed by XXXX Bank that my premier checking account was compromised, several payments that came during the process were returned as NSF, which included Ocwen Mortgage. XXXX took no time to rectify the issue, however even with letters from XXXX of the identity theft, Ocwen reported me to the credit bureau as late.they refused to honor or acknowledge that my account was compromised, The argument by Ocwen representative is " this has nothing to do with Ocwen '' keep in mind that XXXX Bank did process payment to everyone that had a payment returned. Ocwen refused to acknowledge ID theft and/or work with customers through situations such as this. They are the worst Mortgage Loan Servicing Company.
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: 2016-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage company filed foreclosure on me in XXXX, XXXX. We entered a court ordered settlement hearing XXXX, XXXX. They did not have any docs on their end. I appeared at the hearing without an attorney. They knew I did NOT have one at that time. A continuance was filed. XX/XX/XXXX, I received a package from the mortgage company saying I qualified for a modification. I returned their expedited affidavit and made the XX/XX/XXXX and XX/XX/XXXX payments. The court ordered settlement hearing that was moved to XX/XX/XXXX was again continued, due to our working things out. I showed up in court alone again, with NO ATTORNEY. I made the XX/XX/XXXX payment thereafter. I have also made a payment of the same amount in XX/XX/XXXX and XX/XX/XXXX as well. That is 5 total payments. By XXXX, I had not received any correspondence from the mortgage company so I went to the website. I discovered they had deactivated my account! I had to reactivate it using a new username. Once I did this, I was able to see that they had changed the statement mailing address to the Legal Clinic I had used three years ago. I promptly changed their address off my account, and replaced it with my own. I also wrote the mortgage co. a letter explaining I no longer use them and they had no right to put them on my account or send documents to them. I told them on the phone when I spoke to their agent in XXXX XXXX that I was NOT using an attorney. The mortgage co. has written letters telling them from the attorney telling them the same, as of XX/XX/XXXX, the Legal Clinic no longer represents me. They have also been called in XX/XX/XXXX by the attorney who told them he no longer represents me. I also told them as we met in the court in XXXX XXXX the I have no attorney, yet they insist on adding them on their own whim. They also have multiple legal docs. from me showing my legal name change from marriage since XXXX, XXXX, and they still refuse to acknowledge that as well, so this is their habit, to choose which documents they use. In XX/XX/XXXX, I still did not get any correspondence back from them. I logged back into the online system to see they put the Legal Clinic, plus added the lawyer 's name this time, back on my account. I took them back off again, and put me back on. I also sent them an email telling them they are doing this in error, and to look at the signed receipt mail I sent to them in XX/XX/XXXX. As of today, I still have no mail from them. At this point in XX/XX/XXXX, I called the Legal Clinic I had used in the past, to see if they actually received anything on my behalf. At that time, they had NOT. So, all this time I made payments for 4 months, and get nothing, and neither did the Legal Clinic, who I was not even using. They would have let me know if anything weird like that happened, since I was a previous client. I am providing statements from XX/XX/XXXX through XXXX, XXXX so you can see the mortgage co. had been sending me statements. I was offered a loan mod in XXXX, XXXX, which is the last month a statement was mailed to me ( the correct address ). XX/XX/XXXX through XX/XX/XXXX have all gone to the Legal Clinic, and they added an attorney name in XX/XX/XXXX as an authorized person on my loan ( he is NOT ). You may also notice inconsistent dates as well. I include the attorney release letter from XX/XX/XXXX, my letter and postal signed receipt from XXXX, XXXX, and court appearance records showing I showed up alone with NO ATTORNEY. This mortgage co sent my personal business to people who are not involved and totally ignored me, the person who they need to do business with. They totally ignored all previous communications I have had with them regarding my legal name and property valuation. I made the XX/XX/XXXX payment towards escrow, since that was the only way I was allowed to make any form of payment to them for the trial period amount.
Company Response:
State: IN
Zip: 46151
Submitted Via: Web
Date Sent: 2016-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have started a short sale with OCWEN ( mortgage servicer ) & it 's been almost nine months & they are not willing to work with the highest offer. The current buyer is offering 90 % of what OCWEN wants & OCWEN is still not accepting it. It looks like they are trying to foreclose instead of working with short sale.
Company Response:
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2016-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a second mortgage with Ocwen Loan Servicing. After an principle payment online in XXXX 2016. Ocwen has since then inaccurately given variations in principle balances and fees. Online and paper statements have been confusing. After waiting 3 weeks to speak with personal relationship manager, no adequate response and was given another appointment was given to have them research it. I have been current on my payments to Ocwen.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2016-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-11
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I submitted a complaint yesterday, XXXX, against Ocwen Loan Servicing center and I forgot to put important info. in my complaint. It is reference to my property at XXXX XXXX XXXX XXXX Pa. XXXX. The loan number with Ocwen is XXXX. I am the owner of the house, XXXX XXXX XXXX, The last XXXX to my ss # is XXXX. My phone no. is XXXX and Ocwen 's phone number is XXXX. They are not releasing a satisfaction letter to me on the property of which I have a XXXX balance. And they collected thousands of dollars unlawfully from me for approx. 10yrs. from a bankruptcy case that I was discharged from. I have documents from Ocwen stating that the debt was forgiven and charged off, but they continued sending me bills of which I was paying not knowing that that debt was charged off because Ocwen took over the original creditor ( XXXX ) which I did not know. I had XXXX buyers for the house but since the title search came back with a lien, I can not sell the house until it is lifted. I have been fighting with ocwen for months now to resolve this issue and can not get any results.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2016-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We asked Ocwen to provide us with the correct amount owed on our Mortgage. We did not sign modification or make trial payment because the amount they claim we owe is incorrect.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2016-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No