Date Received: 2016-07-12
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I am being denied a Harp from Ocwen. They said I have already had one Harp, when the modification offered me was not Harp compliant because it was and ARM loan. I lost significant income in XXXX of last year and have struggled to stabilize financially. I have recently recouped enough to meet a modified mortgage and am being told by Ocwen my only option is Short sale or Dead in Lieu ... .I am XXXX ... and my daughter is XXXX ... I can not move and feel that with a modified mortgage I do n't need to. I have the supporting documentation to substantiate my claim.
Company Response:
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2016-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-12
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I am sending this complaint update in because I was originally told that Ocwen was going to work with us to save our home after we complained to your organization, the PA Attorney General 's Office and Congressman XXXX XXXX. My original complaint included that we were asked to waive our rights in a federally sanctioned program- something that was not allowed in the Ocwen National Mortgage Settlement. Apparently the CFPB did inform Ocwen/XXXX legal counsel and the waiving of our rights was illegal and they were removed from the agreement so thank you for enforcing those XXXX guidelines. The problem is that for over a year I tried to get Ocwen/XXXX to drop the foreclosure suit against us so that we could work directly with the Making Home Affordable Escalations Team and get our questions clarified so that we understood exactly what we were signing. The HAMP language had been altered and left questions about the numbers. We signed the HAMP agreement and had it notarized. We also requested valid clarifications and an amortization schedule of our loan. We continued paying our HAMP payments- I scheduled my total hip reconstruction that I had put off for four years because I did not want to go under anesthesia until I knew that we had a legal loan modification. The day of my XXXX- my husband share with me the letter that we had been denied the HAMP modification- even while we were current with our HAMP payments. Two weeks later our XXXX year old daughter died in a tragic accident. Ocwen could care less about XXXX that AHM, AHMSI, XXXX and Homeward Residential has put us through the last 7 years. We are the poster children of the Ocwen National Mortgage Settlement and the abuse is continuing. The Monitoring of the National Mortgage Settlement knows that these problems are continuing and someone needs to stand up and make it stop. None of our questions were clarified and based on Ocwen/XXXX lack of cooperation- our valid concerns that Ocwen has no intention of helping us and that they want to take our home away no matter what we do.We have been forced now to use our HAMP mortgage payments to pay new legal fees. We desperately want our to save our home and my physical and mental health has continued to deteriorate from the abuse. Ocwen/XXXX both know that we lost everything in a bankruptcy XX/XX/XXXX and then lost our XXXX year old daughter. Just a few weeks ago during the time that our daughter should have been graduating high school and turning XXXX years old- Ocwen/XXXX deposed my husband and myself. My deposition was for an entire day. During that deposition it was obvious that XXXX XXXX had no intention of addressing the modification. I was questioned almost all day only about the original mortgage XX/XX/XXXX- something we never denied signing. We still believe that we are investors in our own loan and we want to settle it with a modification that follows the Ocwen National Mortgage Settlement and the new CFPB guidelines. We should have never been asked to waive our federal rights or been forced to hire legal council. During the deposition I was made to feel stupid, incompetent and worthless because we signed a contract that we were told we qualified for not knowing our tax returns were not reviewed by the underwriters. The federal government now says that these types of predatory and deceptive loans are illegal. We have been recently by told by Ocwen 's counsel that we can pay the loan off now with a new and/or private loan- but the bankruptcy that we were forced into- has ruined our credit and we can not get a new loan. The only thing the bankruptcy did not harm was my husbands 401k- Now we have been forced into using the only savings the bankruptcy could not take from us to save our home from foreclosure
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2016-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I found my house value it is the same as when i first bought it and have put more money in it than I can sell it for. {$25000.00} my house is 117 years old I have been here 27 years paid all my mortgage payments I refinance in 2001 for XXXX still owe XXXX i feel like I am in a losing battle here. is there hope I can get a reasonable resolution I am paying 9.5 % home insurance is way high i am XXXX is there any good advice on this my income is {$29000.00} I just put in new furnace and roof bathroom electric. I am house poor.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2016-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was sent a modification agreement by Ocwen. I completed the agreement and was told foreclosure was stopped. Discussions were misleading about a foreclosure hearing for another 30 days after foreclosure had occurred. Finally 30 days after the hearing had occurred and I had been discussing my loan modification they still said I could go to the hear. I have voice recording telling me the hearing was the next day at XXXX. I went to court on that day and time. I was told and found out the hearing had already occurred 30 days earlier. The house had already been foreclosed. I did not get to go to the hearing neither pursue other legal remedies.
Company Response:
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2016-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: New modication in place, concern about fees paid by consumer for legal representation, DTI, NVP, and catastrophic illness of child in home, as a hardship, having explained this to previous loan servicer already, and having new laws in place, I would think my individual issue with home retention, asking for QWR for payment and other mortgage faults generated on servicer end looked at, the statements having been sent to my home asking for almost XXXX when the prior servicer poised to offer a workout after being turned down 3 times for a modification buy offered an in house mod after forced into a chapter XXXX, allowing my attorney steer me into a decision to convert to a XXXX, decided with other legal advisor a XXXX is where we were better off, but servicer asked for a XXXX increase, now the second servicer is asking for a XXXX increase as a XXXX tier XXXX is placed with a Balloon expected at Maturity but no correspondence with actual and all specs are explained transparently for what reason, not to benefit me it seems, with their saying they are here to help etc. etc, but monetary figures throughout structure does not seem to add up. As I said, increases to XXXX from XXXX now to almost XXXX is XXXX more between the XXXX servicers sharing same office space in XXXX XXXX XXXX Florida. XXXX payments they are saying are owed, on second mod, but first mod all payments were met with concern where they were allocated, XXXX XXXX XXXX XXXX XXXX XXXX, keeping current mod to become current seems is needed , but DTI and NVP were not a concern in my opinion to help my entire portfolio of debt and prosperity servicer has not asked me transparently XXXX on XXXX. Factual amounts of mortgage payment is not correct. Investor selling off its mortgage notes and servicer selling off its servicing rights leads me to be vigilant and concerned about changes happening in the set up of repayment and XXXX senario with statements sent to home now.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2016-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Please see attached NOTICE OF INVALID INSTRUMENT ( S ), NOTICE OF BREACH OF CONTRACT, NOTICE OF FALSE CREDIT REPORTING AND NOTICE OF CEASE AND DESIST.
Company Response:
State: NV
Zip: 895XX
Submitted Via: Web
Date Sent: 2016-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-12
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: Ocwen Loan Servicing , LLC is attempting to collect a " debt '' and attempting foreclosure without possessing debt note and deed of trust. Did not provide meaningful response to multiple qualified written requests and debt dispute validation. Filed documents affecting interest in the property in violation of automatic stay.
Company Response:
State: CA
Zip: 95677
Submitted Via: Web
Date Sent: 2016-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX XXXX, I came across XXXX different, mortgage insurance company documents for our property. On XXXX XXXX XXXX, I requested Ocwen Loan Servicing through a qualified written request by certified mail to provide us the following information. First, we requested to know who is the insurance company that carried the PMI insurance on our property/note. Second, we requested to know how many PMI insurance policies there were for our note/mortgage. Third, we requested to know the amount on each PMI insurance policy. Fourth, we requested to know if the PMI insurance policies were ever paid out in order to pay off our note/mortgage when we were in foreclosure several years ago. Fifth, we requested to know who the insurance company paid these funds too, with all contact information such as name, address and telephone number. On XXXX XXXX XXXX, Ocwen Loan Servicing responded to my complaint. Ocwen stated ; our company has recently received a request for information on the above reference loan, which is enclosed for your review. Ocwen enclosed a payment history only and failed to answer my questions that I asked through the qualified written request. Now, per the RESPA act, Ocwen was suppose to answer my questions but failed to do so. Then on XXXX XXXX XXXX, I responded back to Ocwen Loan Servicing by certified mail through a qualified written request. This request was now sent to the Ombudsman office this time. I requested the same information once again. I further stated ; today, XXXX XXXX XXXX, we received your response dated XXXX XXXX XXXX. In this response, Ocwen failed to provide us the information that we were seeking. Instead, Ocwen provided a payment history sheets from XX/XX/XXXX to XX/XX/XXXX. This payment history sheet does not give us the information that we are seeking. Failure to comply with our requests will result in another complaint against Ocwen. Now, since Ocwen has failed to provide accurate information to the credit bureaus and failed to take responsibility over it, we have decided to file complaints against Ocwen when they fail to comply to each and every inquiry. On XXXX XXXX XXXX, we received another letter dated XXXX XXXX XXXX with documents enclosed. Nothing with in this letter reflect any of the questions that we asked Ocwen. Ocwen enclosed a copy of the note, Deed of Trust, an assignment of Deed of Trust, a notice of servicing transfer by Litton loan servicing, a modification agreement dated XXXX XXXX XXXX, a HAMP modification in XX/XX/XXXX and XXXX document located in XXXX XXXX California along with a payment history. Again, Ocwen Loan Servicing has failed to address each of my questions under the RESPA act.
Company Response:
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2016-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I did a mortgage modification in 2010, and subsequently filed a Chapter XXXX Bankruptcy, and was released from the mortgage. I moved out of the home over a year ago, and instead of just staying in home for free, I put it on the market to sell as short sale. Ocwen has obstructed the sale of the home for a year. We are in the process of losing our XXXX buyer in a year. This last time we were ready to close, but they wo n't write a letter stating that the XXXX lien the have is discharged. They wrote a letter stating that they consider the balance of the loan to be XXXX, because of course it was discharged in bankruptcy, but they wo n't use the word discharge, so the buyer can get title insurance. In the meantime the house is falling apart, and all the neighbors are complaining home is not being maintained. I am in XXXX & the home is in XXXX. My Realtor has literally hundreds of hours working on this. They just will not cooperate. They tell us we have to speak to The Research Department, which only has a fax number. I am trying to do proper responsible thing, and they will not do anything but give me the run around.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2016-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On or about XXXX XXXX I received a Letter From Ocwen saying Dear Customer during a routine review, we discovered a overcharge for property preservation? See Ocwen Billing Correction letter XXXX ) I have Never been a Ocwen Customer? So how are you applying charges to a account Ocwen has previously admitted that was erroneus and False. XXXX XXXX also said via email that Ocwen Loan Servicing , LLC had nothing to due with the Fraudulent sale recorded on XXXX/XXXX/2016 into the XXXX XXXX XXXX XXXX Office a Felony XXXX a Violation.He said it was XXXX not OCWEN Why is their activity on the alleged non existent account XXXX showing a escrow balance and other monetary transactions. ( See Exhibit A ) These are blatant XXXX Violations and Money Laundering, defrauding the Federal Government XXXX XXXX by false and fraudulent claims.
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2016-07-10
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes