Date Received: 2016-08-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Miscalculation of Loan modification Being overcharged for the last 6 years. Modification was completed thru GMAC and OCWEN now manages the loan. They were given a written notification to correct the problem. We received 2 letters from them the first one said they received our letter and would need 45 days to review the modification. after the 45 days we received another letter stating under RESPA they are afforded an additional 15 days. It has been 20 ( Business ) days and still no resolution.
Company Response:
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2016-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Hi, in XXXX of XXXX, I was looking to sell my house and purchase a new one. My loan officer said that I was behind on my mortgage payments on my second lien. I told her I did not have a second lien because I had refinanced my loans in years prior. I had not received a bill or even a phone call on the second lien since XXXX of XXXX ( around when I had refinanced ). I contacted Ocwen and they told me that I did still have a second lien and that they were sorry that I had not been contacted in 2 years and that they did not know why I had not been. The guy told me not to worry he was going to offer me a deal and that I could pay XXXX dollars and be cleared of my second lien. He said it was a new thing they could do after the housing crisis. I repeatedly asked him, " what 's the catch? '' He reassured me that there was no catch and that everything was going to be ok but I had to move fast before the offer expired. I sent the money and signed a notice that made no mention of this being a short sale. I thought a short sale was when the house was being sold. The letter did mention that I would have to claim it on my income tax and I did. Well, this was XXXX of XXXX. We sold the house in XXXX XXXX. I thought everything was fine and my husband and I decided to wait to buy a house. This summer we started the process of buying a house and that is when I found out that Ocwen was reporting this to the credit bureau which was showing it as a charge off ( short sale ). Now we can not buy a house until XXXX or XXXX. I had absolutely no idea that this is what the agreement meant. I feel like they were deceptive in their practices. In fact, they have been issued a judgement against them for similar issues. I asked the man several times if there was a catch and he kept saying no. The letter I signed did n't say anything about a short sale or that it would impact my credit like that. We made more than enough on the house to cover that second lien and I would never have agreed to these terms if they were explained in that way. I would have just paid it in full. I also do not understand how a mortgage company can stop sending bills in XXXX and never call or let me know I was behind. This company would call if you were paying on the XXXX of the month so when I did not receive any bills or phone calls, I figured that the loans were consolidated in my refinance. I do not think it is fair or non deceptive to tell a client that they only have to pay a certain amount and not inform them of the credit repercussions. I had no idea. I as the consumer depend on the lender to be open and forthcoming because they do this everyday. This is my first house and I just trusted them. This house was paid for under the terms they offered me and was sold free and clear so there was no way that I would know that a year later, I would be facing this problem of not being able to buy a home.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2016-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have my mortgage with Ocwen Loan Servicing and have sent them several requests via phone, mail and email inquiring about the fees assessed on my mortgage account. In particular, they are charging me {$20.00} fees sometimes twice a month for " Inspections ''. When I called them they said these are late fees ( but my account is current ). My account is not delinquent and it seems outrageous to me that they would be charging me a fee for something they have no reason to do even though no one has ever come to my home to inspect anything from Ocwen or anywhere else for that matter. I have also asked them to provide me with a breakdown of the fees that total {$1000.00} and I have yet to receive any type of response whatsoever from them. I am asking that someone look into this matter because I am most certain I am not the only Ocwen customer this is happening to. Thank you!
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2016-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have come into difficulties paying my mortgage. The cost of living has gone up. Also my wife has been receiving help for a drug addiction problem. I have a XXXX year old XXXX daughter and a XXXX year old son. Since my wife has gone for treatment a lot of things fell on my shoulders. Finding out that she was not paying pills during active addition. Having to take care of my children on my own. And my hours were reduced at work. There has not been any over time availabile. Ian very afraid to have to move my daughter to another home or worse even another school. My daughter becomes XXXX when her environment has had to many changes. I simply need 6 months to get caught up. I asked my mortgage company for help and they said no. That I have not been in the home long enough. ( I 'm sure it has more to do with the fact that they are selling my mortgage in 30 days! ) they say I have to pay {$700.00} in 30 days or get forcloused on!!! The one thing they said they could do is accept {$300.00} and RAISE my mortgage to {$2400.00} for the next 6 months!!! Is that suppose to be helping me in any way!?!?!? I just want to keep my family in my home!!!!
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2016-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In late of the year XXXX, I got my house refinance with American mortgage company with a variable rate of 12 % and I have told as long as the rate market change they will make adjustment and a couple years later I believe they transfer the loan to Ocwen Loan Servicing since that period of time I never get any info from the mortgage company about the rate of my mortgage and I call Ocwen today and I spoke to XXXX XXXX and He told me his badge # is XXXX and I ask him about my interest rate and he told me 11.24608 % and I ask him how that can be and he told me a long history and He said that I agree with him in year XXXX for for a fix rate 0f 11.24608 and I told him I never talk to no one in Ocwen in any such act and I never sign any such contract with them because when I check online I figure out I still own them around {$40.00} and I thought the mortgage is suppose to finish pay for. I ask him the paper work with my hand signature and the witness where I agree with him and He asks me for my email address and I gave him my email address to send the package to me and I never receive from him. I believe Ocwen Loan servicing is a scam mortgage company and I ask you for help because I ' am suppose to be scammed by such institution who suppose to protect us. I really in need of help
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2016-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Husband lost job on XXXX XXXX, XXXX. Last payment made was XXXX XXXX. Unemployment ran out in XXXX. We moved to XXXX to find jobs near daughter. Home was on the market since XXXX XXXX and we were working with OCWEN for Short Sale. Husband obtained job in XXXX, XXXX, but payments were severely in arrears. We have had two offers on the property ; first buyer backed out, second is still waiting. We have submitted everything OCWEN asked for and they have confirmed the receipt of these documents. We are still waiting for an answer to our buyer 's offer. We were served with foreclosure paperwork XXXX XXXX, XXXX.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have a loan with OCWEN loan servicing, and it will be sold to a new company named XXXX XXXX XXXX on XXXX XXXX, 2016. I never got a fair review with OCWEN and I am attaching a more detailed letter for my complaint and supporting documents. OCWEN denied me for all modification options and switched my review to a short sale without my consent. The new company that will be taking over my loan work with short sales, so I believe OCWEN purposely denied me before selling my loan so the new company can finish the short sale. Its a win for both the companies but not for me, an investigation needs to be done, I believe I am not the only homeowner, and OCWEN was already sued.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2016-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen sent a letter dated XX/XX/XXXX that states foreclosure proceedings were initiated against our property on XX/XX/XXXX.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2016-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-02
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have in the past filed many complaints with several regulatory agencies and with the judges and clerks of XXXX County, FL regarding the verification and validation of the collection of my mortgage loan by the servicer, XXXX XXXX XXXX / XXXX XXXX and now new servicer, XXXX XXXX XXXX, XXXX and I have never received a full certificated response to my Debt Validation Letters, and my QUALIFIED WRITTEN REQUEST, COMPLAINT and DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST lettrs. Neither one of these servicers ( debt collectors ) have complied with each request as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and by RESPA, Title 12 Section 2605 ( e ) of the United States Code as well as the Truth In Lending Act 15 USC Section 1601. Each of these debt collector have failed to follow the law. I have even sent them copies of my credit report showing someone else owning the debt and they still have not provided me with full, clear and certificated proof that they are the ones that have the right to collect the debt. There has even been documents such as Assignment of Mortgage that have been prepared which are suspected to be fraudulent. They continue to send me responses that do not provide enough information to verify the debt nor that they have the right to collect the debt. They provide documents stating that they are original but in court different documents are provided as original. They are not following the law and they are not providing what is required of them by the law. There is suspicion of fraud. Entities involved are : 1. Originator : XXXX XXXX a subsidiary of American Home Mortgage ( they filed bankruptcy and went out of business XX/XX/2007 ). Bankruptcy Case XXXX : XXXX XXXX. Sponsor : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX 4. Issuing Entity : XXXX XXXX XXXX XXXX XXXX XXXX 5. Servicers : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 6. Homeward Residential Holdings, Inc. : A company organized by XXXX XXXX XXXX in 2007 which included several platforms and one of them was American Home Mortgage Servicing d/b/a XXXX XXXX. 7. Ocwen Financial Corporation : The company that acquired Homeward Residential Holdings, Inc. 8. XXXX XXXX XXXX, disbarred attorney who was part of the foreclosure mill in Florida and was disbarred for foreclosure fraud. XXXX XXXX XXXX was the attorney that drafted and filed the assignment of mortgage that was used in my foreclosure action and I suspect it to be fraudulent. 9. XXXX XXXX, Clerk of XXXX County Court : I sent a letter to the Clerk of Court requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened. 10. Chief Judge XXXX XXXX : I sent a letter Judge XXXX requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened. 11. CFPB : I have filed many complaints and have appealed the response from the different entities but nothing has been done. No investigation has ever been initiated. 12. Attorney General XXXX : A complaint was filed with this office but nothing ever happened. 13. DOJ : A complaint was filed with the DOJ as the settlement agreement with DOJ and XXXX XXXX XXXX list in their Annex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX of the trusts that are part of the settlement agreement having to do with fraudulent activities of the banks.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2016-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-02
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: XXXX XXXX v.Ocwen, loan # XXXX for : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I would like to file a complaint vs my current loan processor ( ocwen ) for failing to adhere to terms of settlement rendered offering me mortgage assitanc., I lost my job with an insurance co. that went under. I fell behind on house payments and asked my co. then ( Litton ) to help me the house was XXXX under water already. I started working and tried to present requests for help to Litton.It was run around and they raised my pmnt even higher, and filed a foreclosure. They did not offer me due process, even as I showed ability to pay. I now own my own business XXXX. I am a XXXX in my field and now require the help of one ... you folks. Back in XXXX and XXXX when served papers for foreclosure and not a clue how to defend myself ... I hired an attorney for over {$3000.00} ( money which could have gone to late payments had Litton offered help, and not try to take my home unjustly ) in the end the attorney got paid, nothing got done and he flat out told me I needed to short sale. In despair, but trusting his " advice '', we contacted a realtor to list the home and begin the short sale process. Then I was informed that I was responsible for realtor fees and also the credit line on the home even after the short sale. I go back to my " attorney '' and he informed that " Oh yeah ... maybe you should just file chapter XXXX and give up the property '' I had over XXXX credit score when this all took place. Today this continues to be the only black mark. They ( Ocwen & Litton ) have destroyed my life. I take responsibility for getting fired from a failing co. which went under, but they need to take responsibility for failing to work with me in good faith. Under the worry of having the XXXX show up at our door, asking to vacate ... my wife and I moved out in XXXX and rented a place in the same community. We were model tenants for 4 years and paid a $ 1300 monthly rent, not only on time, but early every month. We have been just as responsible we our other obligations during and since. We even kept insuring the home out of our pocket for the time we already served with foreclosure until we vacated. We did so in good faith as opposed to having them put a forced placed policy. I had hopes of coming to terms with Litton and saving our home. My wife did I, did not buy with 0 % either, we gave XXXX of our money on this property. We were also done an injustice by being locked into a 3 year non-refinance clause at initial purchase. We were not told that until we were at closing table. That came to play a big role later in us not being able to refi prior to falling behind with Litton ( who then sold the loan to Ocwen ) After I finalized my bankruptcy and was cleared of all debt related to this house, I could not understand why they had not foreclosed on it. When I contacted Ocwen to deed it back to them, their letter also offered the option to now modify ... even after my bankruptcy. I had also received a small settlement as part of the wrong doing by Ocwen. The property sat empty and in limbo for 4 years. I have since moved back in an attempt to modify it under the new govt programs and to stop the liens from piling. The home was hit with city liens for being overrun while under the care custody and control of Ocwen. It became run down as a result, needs investment to bring back and still has liens. Ocwen is now cheating me again. They have denied my application for debt reduction and do not give me reasons or how to re-apply. They also put me under a very short to reply or the offer expires. What they offer me is to pay for a home I can never own nor sell. They are still trying to put all the financial loss on me. They are simply complying by taking my application, but no effort in good faith. thanks
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2016-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No