Date Received: 2016-07-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Hello : Consumer Financial Protection Bureau. I wrote to you on XXXX XXXX, XXXX about my Mortgage with Ocwen . I am updating you with my case. I went to Court on XXXX XXXX XXXX. Hoping that this is the last time. It habeen nine times that I went to Court this Ocwen. I have been in court since XXXX of XXXX with them and nothing has change for me. I have been paying my mortgage on time. I have not miss a payment at all. every time I go to court it is something else they come up with and it is just not fear to me.I myself went to XXXX XXXX XXXX three times and took the bus in this hot weather to make sure that my Mortgage satisfaction was done done correctly ocwen put the mortgage satisfaction in wrong for nine months until I went to court and spoke to a manager at XXXX my self and they said the spelling was wrong. and they have to fix it. every time I called ocwen they said someone will call me back and that never happen. This is very stress full. Also they said on XXXX XXXX XXXX that they found that I own federal taxes that is what they came up with. I did not own taxes from XX/XX/XXXX.I get back money every from my taxes. If i own taxes I would never get a return at all. I fill that ocwen did not put my modification in before the deadline. and they do not want to say that to the court. because it nothing else wrong. Ocwen lawyers was laughing in court at me like it was a joke. That was very disrespectful why did they do that. I felt so bad. I know who she is and I am going to find out her name and send it to you. I never was sent any letter from the IRS about anything owning any taxes from XXXX. It is XXXX I field my taxes and i received a refund from the Federal and the State every year. I never received a letter nothing. Every year I get back money because i file my taxes. My credit is not good because they keep reporting me late when I pay my bills on time. I am a homeowner and my life has to go on. I need things in my house that needs to be done and i have bad credit because of ocwen. I am XXXX years and I need to get this done correctly. Ocwen is showing prejudice against me. This has been going on for one year. and i have paid my trail period in XXXX. By law after I paid my trail they should have gave me my final modification but every time I go to court it is something else. Why is the court keep letting them go on and on. My case needs to appointed to a Judge and they will not let me do that. This is very up setting to me and my kids and very stress full on me. Can you please help me. I can see if i was not paying my mortgage at all but i am. It looks like when you are behind in your mortgage you get help. But when you are current you ca n't get help. Ocwen is being sued by XXXX of homeowners because they can not get it together and homeowners are suffering. Ocwen is showing prejudice. Consumer Financial needs to look into them as fast as you can. Ocwen servicing do not know what they doing and you can not get any answers fro them. Also I called XXXX on XXXX XXXX at this number XXXX XXXX and told me that I can not called them about my mortgage and to call Ocwen that is showing prejudice. they said I can not get any information from them go figure that. I want my case to be put in the new papers. I want my case to go to a Judge. I am sending a letter to Governor XXXX XXXX XXXX and President Barack Obama. Today. My kids see me very stress out over this matter my health is not good this needs to be take care of. Why is Ocwen doing this to homeowners like my self. do any body care from Consumers Financial Protection Bureau this not the first time I have contracted you nothing has been done to help me. Please sign someone to my case and call me at XXXX please leave a message if I do not answer and I will call you right back. Thank you XXXX XXXX.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2016-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: TO WHOM it may concern : I am filing this complaint because ocwen my loan servicer for XXXX had approved me for loan modification I did not receive any paperwork.I then had to resubmit to them. have been waiting over a month to hear anything other then they are still looking at it I started this process in XXXX of 2015 with the help of law firm. the reason for my hardship is separation from my wife. I work in the construction field so I have a slow season. with work getting ready to pick back up I was hoping to be around the house when they make a NEW DECISION but since I was approved I was wondering why this has to be drug out.
Company Response:
State: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2016-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My husband and I were in an active Chapter XXXX Bankruptcy which was discharged on XXXX XXXX, 2015. Shortly thereafter, we started making payments to our mortgage lender, OCWEN ( copy of payment history attached ). We recently started trying to refinance to get away from this lender and found that they are reporting us 90 days past due from XXXX 2015. When I pulled the payment history on their website, I found that they appeared to be putting our payments in a " suspense '' status because they thought we were still in an active bankruptcy, which we were not. I argued and argued with them about this way back when and did not know until now that they reported us past due.
Company Response:
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2016-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My name is XXXX XXXX my husband XXXX XXXX, my current address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I applied for modification over three times with Ocwen Loan Servicing LLC, Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fl XXXX Contact person XXXX from the office of the consumer Ombudsman XXXX, Case number # XXXX. The modification was denied over three time the last application sent in XXXX XXXX was approved on XXXX XXXX, XXXX, after a filed a complaint to the XXXX, my contact person is XXXX phone XXXX. I raised my concern with the president of Ocwen and the time they gave me the runaround, just to tell me that I was n't approved for a HAMP. I was approved for an internal modification, which such my principal balance on XXXX XXXX was {$240000.00}, they are charging me {$130000.00} on late charges and other fees that they can not confirm. Ocwen proposed for me to sign a Balloon note for {$370000.00} dated XXXX XXXX, XXXX, In which I sent a letter replying to XXXX XXXX XXXX at the office of the consumer ombudsman requesting for then to reconsider the type of modification they were proposing. I also ask the reasoning of the kind of modification and the reason it took over two years to get an answer, which makes us more delinquent on our mortgage payments since they refused to take partial payment on my mortgage. I explained the reason we became late on our mortgage was husband got injured in the job XXXX and is a XXXX veteran, he 's pension took some time to get approved, and after his injury, we have an ordeal of medical bills. A year later in XXXX, I lost my job and was without working for about two years, currently working. I am not sure why they do not want to work with us on our mortgage. By then taking over two years trying to modify my mortgage impact my credit, and I am not able to take a loan for my children education, affecting my credit. We are not refusing to pay, and we just want to continue living in our house with our XXXX kids, and based on my husband current pension check and my salary we can afford it. Based on the latest communications with XXXX XXXX dated XXXX XXXX, XXXX, there nothing they can do, is a take it or leave it to offer on the modification sent on XXXX XXXX, XXXX. I believe their offer is very unfair, and they can not justify the balance owed, with fees that they can not justify. Please help us. Thank you, XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10954
Submitted Via: Web
Date Sent: 2016-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: t is obvious that Ocwen refuses to answer my concern regarding the satisfaction of my loan paid off to or thru them XXXX XXXX. Ocwen continues repeating the same answers and enclosing the same documents. Since Ocwen who all along has stated that they did n't have the original loan documents but has agreed with the Management company, XXXX XXXX, and obviously the investor they were representing, to pay for and issue an affidavit of loss documents and given that : Ocwen records seem to indicate that they indeed were in possession of my loan documents held by their custodian XXXX but are refusing to explain how is that all of a sudden Ocwen no longer has the loan documents, Ocwen indicates that they do not have to record the satisfaction of the loan with the County clerk 's office suggesting instead that I check with such office for any recordings ; and since it is obvious that Ocwen represents the investor not the borrower ( myself ), Ocwen has not produced any type of research information with previous servicing agents to make an attempt to obtain a report from them regarding missing documents, I, XXXX XXXX XXXX shareholder since XX/XX/XXXX was never informed that the loan I obtained from The XXXX XXXX XXXX in XX/XX/XXXX was assigned to XXXX XXXX and that the financial institutions were only servicing the loan. There is no record that XXXX XXXX ever filed for a XXXX yet in XXXX XXXX XXXX XXXX indicates that they obtained the loan from XXXX XXXX and therefore filed for a XXXX. I, XXXX XXXX XXXX, shareholder of XXXX at XXXX XXXX XXXX XXXX XXXX has never been notified nor requested authorization to transfer/assign and/or pledge the shares of the unit XXXX to collateralize any loan, since XXXX XXXX ' sister and/or related companies, under the name of XXXX XXXX XXXX and XXXX XXXX XXXX rental collateralized the building in XX/XX/XXXX without shareholder 's authorization and communication, ( I have only learned recently about the loan after my multiple requests to management company to provide me with missing amendments issued in XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX - amendments which by law sponsor/management companies are obligated to release to its shareholders ). Per the existing loan with XXXX XXXX XXXX issued in XXXX for $ XXXX, ( copy of specific clause attached ) there could n't be another senior loan, which seems to indicate that this loan may have been transferred to XXXX XXXX XXXX XXXX . However, XXXX XXXX has stated multiple times that there is only XXXX loan - the XXXX XXXX XXXX loan - which was supposed to be just paid off this month. It is too coincidental to me that my loan documents were lost without any explanation around the same time when the 'investor ' places a XXXX on my apartment and a loan is requested from XXXX XXXX XXXX XXXX against the building all around the same time. I have now contacted several attorneys and all of them conclude that regardless of whether a XXXX was continued or not a loan needs to be satisfied by the latest financial institution, in this case Ocwen.
Company Response:
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2016-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is a continuation to my previous complaint/claim # XXXX submitted earlier today regarding the following : It is obvious that Ocwen refuses to answer my concern regarding the satisfaction of my loan paid off to or thru them XXXX XXXX. Ocwen continues repeating the same answers and enclosing the same documents. Since Ocwen who all along has stated that they did n't have the original loan documents but has agreed with the Management company, XXXX XXXX, and obviously the investor they were representing, to pay for and issue an affidavit of loss documents and given that : Ocwen records seem to indicate that they indeed were in possession of my loan documents held by their custodian XXXX but are refusing to explain how is that all of a sudden Ocwen no longer has the loan documents, Ocwen indicates that they do not have to record the satisfaction of the loan with the County clerk 's office suggesting instead that I check with such office for any recordings ; and since it is obvious that Ocwen represents the investor not the borrower ( myself ), Ocwen has not produced any type of research information with previous servicing agents to make an attempt to obtain a report from them regarding missing documents, I, XXXX XXXX XXXX shareholder since XXXX was never informed that the loan I obtained from The XXXX XXXX XXXX in XXXX was assigned to XXXX XXXX and that the financial institutions were only servicing the loan. There is no record that XXXX XXXX ever filed for a XXXX yet in XX/XX/XXXX XXXX XXXX XXXX indicates that they obtained the loan from XXXX XXXX and therefore filed for a XXXX. I, XXXX XXXX XXXX, shareholder of XXXX at XXXX XXXX XXXX XXXX XXXX has never been notified nor requested authorization to transfer/assign and/or pledge the shares of the unit XXXX to collateralize any loan, since XXXX associates ' sister and/or related companies, under the name of XXXX XXXX XXXX and XXXX XXXX XXXX rental collateralized the building in XXXX without shareholder 's authorization and communication, ( I have only learned recently about the loan after my multiple requests to management company to provide me with missing amendments issued in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - amendments which by law sponsor/management companies are obligated to release to its shareholders ). Per the existing loan with XXXX XXXX XXXX issued in XXXX for $ XXXX, ( copy of specific clause attached ) there could n't be another senior loan, which seems to indicate that this loan may have been transferred to XXXX XXXX XXXX XXXX . However, XXXX XXXX has stated multiple times that there is only one loan - the XXXX XXXX XXXX loan - which was supposed to be just paid off this month. It is too coincidental to me that my loan documents were lost without any explanation around the same time when the 'investor ' places a XXXX on my apartment and a loan is requested from XXXX XXXX XXXX XXXX against the building all around the same time. I have now contacted several attorneys and all of them conclude that regardless of whether a XXXX was continued or not a loan needs to be satisfied by the latest financial institution, in this case Ocwen.
Company Response:
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2016-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am in the process of selling my home and purchasing a new home. My current home is financed through OCWEN and the sale is scheduled to close on XXXX XXXX. I missed the XXXX 2016 payment and paid it, along with the XX/XX/XXXX payment and the late fee, on XXXX XXXX. OCWEN reported this as a late payment in XX/XX/XXXX, with the account being 30 days delinquent. The lender for my new loan denied my mortgage because of the late payment reporting by OCWEN. Because this was the only time in my near nine-year history of this mortgage that the account was in delinquency status, I requested that XXXX waive the late reporting and was informed that this is impossible because it was not legal to do so. My attorney then contacted OCWEN and requested that they provide a goodwill adjustment, which is a legal withdrawal of a late reporting. They again refused to do so. Their refusal to help a customer who has only had one late payment in almost 9 years caused me to be denied by the lender for my new home purchase. Due to the terms of the sale of my first home, I must vacate that property by XXXX XXXX. I attempted to see if OCWEN would approve me for a new home loan since I can not get approved for a loan elsewhere, and I was referred to their new loan division, Homeward. Homeward informed me that they are currently not writing loans for new home purchases. This leaves me with no home, as I can not purchase a new one, so my boyfriend, XXXX children, and I have nowhere to go. I recognize that I am the one who failed to pay the XX/XX/XXXX mortgage payment, but as I have now paid it and paid the late fee, I feel that I have done my part to make it right. Additionally, the entire mortgage will be paid off in full in six days. I feel that one late payment is not cause for a punishment of a poor credit reporting that results in my denial of a home loan and not being able to buy a new home.
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2016-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing refuses to acknowledge Litton is now a " subsidiary '' of Ocwen, arguing it has no responsibility for Litton mis-reporting to credit reporting agencies ( CRAs ) because Litton is not an " affiliate '' of Ocwen ( see XXXX XXXX, XXXX letter ). Ocwen/Litton refuses to identify the alleged 12-month arrearage at the time Ocwen assumed servicing rights in XXXX XXXX. Ocwen and Equifax refuse to provide the electronic exchanges relative to " investigation '' disputes. Ocwen admits to mis-reporting information to CRAs including, but not limited to illegal multiple charge-offs. Despite the admission, Ocwen refuses to grant relief for both the Litton mis-reporting and the Ocwen mis-reporting after XXXX XXXX at which time it assumed servicing rights. Ocwen continues to refuse to provide monthly statements, in direct violation of the Fair Credit Reporting Act. Due to admitted systems deficiency, Ocwen under-reported the amount of tax year XX/XX/XXXX interest by several thousand dollars. Despite widely known systems inadequacies, Ocwen refuses to verify or validate/verify payment information transferred in XXXX XXXX. Its position is that the onus is on borrowers to do so ; an unfair and undo burden. Not to mention the fact it refuses to provide the internal documents ostensibly authorizing debit from my checking account. I challenged its arbitrary use of checking debit deductions on numerous occasions.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2016-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I started off with XXXX XXXX, then they sold my loan to Indymac, then they sold my loan to Ocwen, and ever since ocwen took over every year I have to pay them more money as they are always short on my escrow. So I pay the shortage, this year I received a check for escrow overage and then no more of me cashing the check I get a nitice that they are short on escrow again and I have to pay it back, also I have been out on work comp. for almost the last 5 yrs. so the last 2 years I have applied for a loan modification and been turned down, I am at a 7.125 % interest rate so they just keep telling me to put my house up for quick sale. So what can I do??
Company Response:
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2016-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is my 4th complaint about OCWEN mortgage. I figure on the 3rd compliant with your company this would finally resolved the issues. They have decided to raise my escrow account again when my property taxes is less than XXXX a year but want to charge me XXXX a month in escrow for taxes. They was over charging me for years and sent me a refund check for over XXXX in XXXX for their mistakes and now they are starting it over again. My mortgage per the paperwork they sent me was to be XXXX a month but I been paying XXXX. Well last month they raise my mortgage to XXXX which is incorrect and I paid my regular amount of XXXX and now they are showing me late. I am at my wits end with this company. I barely understand the representative when I called in due to they are based in another country. They do n't want to assist you just want to make you pay the wrong amount. My bankruptcy is about to be over this month and I feel again they are trying to make me lose my house. I do n't know what to do anymore with this company. Please help!!!
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2016-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No