Date Received: 2016-07-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Hello, So in regards to complaint number # XXXX and # XXXX we still have n't heard form our relationship manage XXXX XXXX from Ocwen Mortgage Co. and still have n't resolved the issue that THEY, OCWEN XXXX up our escrow in XXXX of 2015 by not including the hazard insurance. I have received this letter pertaining to the agreements for our HAMP program and loan modification denial by the so called " investor '' whom which either Ocwen or the " investor ' is constantly sending us paperwork stating or loan is overdue and will proceed to foreclose. Also constant inspector fees of people driving past our home, why do we yet again have to pay for that? We are making our payments and including the late fees but yet still receiving threatening letters regarding losing our home? {$1500.00} is too much to be paying for their mistake!! When is someone going to take action for Ocwen constantly trying to push people out of there homes? The one who did the escrow analysis last year should pay for the mistake, not us the homeowners. There was a difference in taxes from XXXX, only {$65.00}??? Also the hazard from last year to this is XXXX {$1000.00} this year {$700.00} a difference of {$380.00}, so why are we short all the time, {$2800.00} to be exact, every year plus with their outstanding cushion amount, which where does that cushion actually go?? Ocwen over estimates causing homeowners to struggle and lose their homes. Fix your mistake!!
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2016-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My Servicer is OCWEN. I wish to stop a scheduled foreclosure on XXXX XXXX, 2016, for a variety of reasons caused by NATURAL AND MAN-MADE DISASTERS that have occurred to the home. There are other legal reasons but in this complaint I wish to address the natural and man-made disasters that have occurred to the property within the last 60 days and request a moratorium on foreclosure for 90 days, due to the extensive damage to the home, investigation of the man-made problems, determination of the costs to repair or reconstruct the home, analysis of the environmental issues that have arisen, insurance, costs, time to attempt to finalize a buyout/loan mod which has been sent to OCWEN, but prior to the disasters, and if the home can be repaired or should be condemned. ( 1 ) There have been severe thunderstorms and tornadoes in Georgia and XXXX over the last 60 days. Lightening has hit the home three times in the different storms, creating XXXX holes in the house ; XXXX in the roof and XXXX on the side of the house near the roof. These strikes and holes caused extensive damage and fire to the roof area, then allowed significant flooding of the top floors as the rainwater worked its way down the inside walls of the house to XXXX different floors and spreading through the subfloors causing damage to numerous rooms, sheetrock, cracked ceilings, and substantial XXXX mold now growing inside and outside the sheetrock on XXXX floors. ( 2 ) The lightening also knocked out the central HVAC, frying the outside units and wiring, and the water that flooded into the house filled and flowed through the duct system leaking all over the house and collapsing the air ducts. The lightening and storms also knocked out the house generator, power was lost, and XXXX third of the electrical circuitry was fried so that no electricity is available for a third of the house. ( 3 ) XXXX sewer and water issues have caused proplems throughout this older area of town causing sewer main collapses, sink holes and environmental issues affecting the soil and the water supply. The area has been under a mandatory boil water warning due to the sewer contents affecting the water supply. The extent of the environminetal damage underneath the house and in the back yard and beyond has not been determined due to the digging necessary and required repairs or reconstruction. The sink holes in the area and on the property are generally due to collapse of the sewer system which is XXXX XXXX XXXX terra cotta construction and a number of collapses have occurred in yards, underneath houses and parts of the neighborhood streets and sidewalks have fallen into sinkholes caused by the failure of the water and sewer infrastructure. ( 4 ) The sinkholes have appeared on this property in the front yard, sides of the house, under wooden decks, under the main part of the house, at the pool deck and pool in a general line from the street along the side of the house by the pool and into the ravine behind the house most likely due to either a collapsed sewer or broken water lines from deterioration of the soil underneath the yards, streets and structures. ( 5 ) The sinkholes and shifting earth have severely cracked the foundation of the house, and the results have been flooding of the lower floor with water flooding the entire floor, ruining the carpet, and ruining anything the water touches every time it rains. The foundation cracking plus the water/sewer problems have disrupted the plumbing in the house, broken water lines inside the house, and caused half the toilets in the house to cease functioning. It has also affected the water pressure significantly. ( 6 ) Worse yet the cracked foundation has allowed pests to enter the basement through the cracks in the floor and walls. The pests so far include snakes, especially copperheads, ants, roaches, spiders ; continued below.
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2016-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I received a letter from Ocwen dated XXXX XXXX, 2016 stating the property address in their records does not match our property. The property address listed in the letter is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and our property address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Ocwen also has lender paid mortgage insurance and the property address on the policy is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2016-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I do Not Know who was the Foreclosing Entity, I can not and have not received the information on who is the Holder in Due Course of the Note, Loan. The Wrong Entity has Taken an Action it was not Legally entitled to take a Violation of 15 U.S. Code 1692e - False or misleading representations. CIT Bank shows Transferred on XXXX/XXXX/2012 but does not show to Who? How Much was Transferred? See Exhibit attatched
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2016-07-25
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have repeatedly requested the FHA MIP be removed from my mortgage since XXXX/XXXX/XXXX when my home loan went below the required 78 % LTV. Everytime I 've requested the removal, I received a denial letter. I requested it again in XXXX XXXX, again receiving a Denial letter. Then, a few weeks later, I received an apology letter stating that the MIP would be removed. I requested that the repay the MIP amount that I had paid since the first request in XXXX/XXXX/XXXX, that was denied. So, they have now removed the MIP, but I was forced to pay it for a year beyond what was necessary.
Company Response:
State: KS
Zip: 66061
Submitted Via: Web
Date Sent: 2016-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In accordance to the National Ocwen Settlement agreement, Ocwen is to provide borrower a copies of any assignments of mortgage or deed of trust required to demonstrate the right to foreclosure. Ocwen has once again commenced foreclosure on our home without providing us the requested copies of assignments of mortgage or deed of trust. According to the National Ocwen Settlement agreement, Ocwen shall send borrowers a statement setting forth facts supporting Servicer 's or holder 's right to foreclose and containing the information required in paragraphs XXXX ( items available upon borrower request ), XXXX ( account statement XXXX, XXXX and XXXX ( ownership statement ), and XXXX ( loss mitigation statement ) herein. Servicer shall send this statement to the borrower in XXXX or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. Ocwen has posted our home for foreclosure without providing the requested documents before posting our home for foreclosure.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2016-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am reaching out for help. My mortgage payment adjusted in XXXX of this year and increased by over {$1300.00} per month. I can not afford this payment and requested a modification from my mortgage servicer. They told me I did not qualify because my account was not delinquent. I can not refinance as my house is worth far less than I owe, and my loan is not owned by XXXX or XXXX XXXX so I do not qualify for the HARP program. I am stuck, I can not refinance and do n't feel that I should ruin my credit rating to seek relief from my mortgage servicer? Please help.
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2016-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen has referred our loan to a foreclosure attorney that did not complete the certificate of posting in the Notice of Foreclosure Sale.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2016-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been trying to get a loan modification since XXXX and Ocwen is giving me the runaround along with being unfair, deceptive and abusive. Most recently, they have sent me an offer for a Streamlined Hamp modification knowing full well, or at least they should as I have disclosed it from my very first XXXX, that I own more than XXXX rental properties exclusive of my principal residence. They have also made the offer in my ex-husband 's name irrespective of the fact that I have submitted a copy of my divorce decree countless times and the fact that the information on the XXXX was mine, and mine only and had XXXX information regarding my ex-husband, who has had no interest in the property since XXXX.
Company Response:
State: WA
Zip: 98626
Submitted Via: Web
Date Sent: 2016-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been working with Ocwen for over a year trying to get a short sale approved. My husband and I have separated and are divorcing so we are unable to keep the house. We also have a buyer for the house who has been hanging in there with us for the entire time. There are XXXX people on the loan, me, my husband, my husband 's son and my husband 's friend ; however, my husband and I were the only ones paying the mortgage. The other XXXX have been unemployed for several years. We have worked with Ocwen in good faith providing all of the documentation they have requested. We 've provided financial documents, a separation agreement, pay stubs, Social Security documentation, etc. Ocwen keeps telling us that FHA is denying our short sale requests. According to Ocwen, FHA has denied our request three times. Ocwen has given bogus reasons for the denials such as FHA wants the entire amount owed on the home which is ridiculous since we are underwater ; we 're not maintaining the home ( we are maintaining the home and we can provide proof of our utility payments, and we cut the grass ) ; since there are XXXX people on the loan why ca n't the other XXXX pay, ( XXXX of the XXXX is XXXX and the other just started working and does n't make enough money ) ; we 're not living in the home, etc. All of the excuses we 've received have come from Ocwen. We do n't have anything in writing from FHA, so Ocwen can and has been telling us what they want. I have previously contacted the XXXX but that did n't accomplish anything and last week, I contacted the XXXX XXXX XXXX XXXX XXXX. I have a ticket number and a representative that was assigned to my case. When I spoke to her, she was puzzled as to why we 're being denied and stated that she would send a message to Ocwen asking them why they are denying our short sale request. I informed her that all along Ocwen has been telling us that FHA is denying the short sale. She explained that FHA is the insurer and the short sale has to go through XXXX but Ocwen makes the decision. She also indicated that she only saw where the short sale request was submitted once. I do n't know whether or not Ocwen has responded to her inquiry. She indicated that she would call me when she received a response. I will call her tomorrow to check. XXXX has been working with us to get this approved and and we have a point of contact. She has become increasingly frustrated with Ocwen. When she calls she has been unable to talk to a manager, she gets transferred all around, there is a language barrier that makes communication difficult, messages are n't returned, etc. She had a teleconference scheduled with Ocwen last week with our relationship manager, however, when Ocwen called her, it was a regular customer service representative who had no knowledge of anything. Ocwen keeps giving us the run around. We just found out last week that Ocwen has scheduled our foreclosure for XXXX XXXX, 2016. I do n't think Ocwen has sent us anything in writing informing us of the foreclosure date. I think we found out from our XXXX XXXX. Again, we have been trying to get a short sale approved for over a year. Our buyer even raised her offer price to match the appraisal amount. After their appraisal, Ocwen told me that FHA said that the home needed {$30000.00} worth of work. I challenged that and asked for a copy of the appraisal and Ocwen told me that I could n't get a copy. They said that FHA had paid for it and I could n't get a copy and if I wanted to challenge the appraisal, I had to pay for XXXX. Ocwen provides poor service and misleads them with false information. They do not work in good faith with consumers. Please help us.
Company Response:
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2016-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No