Date Received: 2016-06-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Complaint is against the unfair and illegal practices still being carried on by OCWEN Loan Servicing. OCWEN has refused to work with me and provide loss mitigation outside of simply just wanting to foreclose my home. I was forced by OCWEN to file for Chapter XXXX bankruptcy protection in order to stop a foreclosure on my property, after they repeatedly denied me a loan modification and instead began applying all sorts of excessive and outrageous fees to my loan making my ability to catch up with the payments virtually impossible. Because of this, I fell behind and out of the blue, they served me by mail with foreclosure papers. Filing Chapter XXXX stopped the foreclosure proceeding but only temporarily as they are now requesting the court to lift the stay. OCWEN seems determined to foreclose my property and even claims that the property has no equity, which is inaccurate. OCWEN still practicing outside the Federal guidelines, something they had been fined for back in 2013. OCWEN has submitted paperwork to the bankruptcy court full of inaccuracies and misstatements. They have continuously charged me fees for things such as attorney fees, foreclosure fees, " other costs '', etc. Every time they do this, they placed my loan balance at a higher figure. OCWEN has also provided me with monetary figures that do not match others. I am currently on Chapter XXXX solely because of the actions of OCWEN against me. I had to file an emergency protection in order to keep OCWEN from selling my property at an auction. I am a Veteran ( XXXX ) and currently a XXXX, I have a full time job and the ability to make my payments, only if they would stop flexing their muscles and try working with me instead of insisting on foreclosure.
Company Response:
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2016-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I purchased my townhome in 1999 and the loan servicing since changed hands to Litton and now to Ocwen. I received a letter from Ocwen stating that flood insurance is now required. Please note it is now 17 years later. I contacted the holder of the master insurance policy for the entire condominium property and they advised that there is no flood insurance on the property because only some portions of the property were in a flood zone, others were not. She further sent a document stating that my unit was not in a high-risk flood area. I sent this documentation to Ocwen. I received a letter from Ocwen stating that their research shows I am in a flood zone. I think they need to provide me this " research '' specifically the designation of my unit # XXXX as being in a zone in need of flood insurance. The response I received was from XXXX XXXX in the Ocwen Office XXXX XXXX XXXX XXXX. I am sending this complaint because I should n't be getting a demand for flood insurance 17 years after purchase. Furthermore, Ocwen was not my original servicer. This seems to me that the demand is outside of the original requirements for my mortgage since flood insurance was not a requirement to initiallyl establish the mortgage. I 've read where mortgage companies are praying on homeowners in this way because they 've receiving kickbacks for the flood insurance charges.
Company Response:
State: FL
Zip: 32909
Submitted Via: Web
Date Sent: 2016-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Basically the bank is having people come by lying and seemingly threatening to kick us out, after lying to us about helping and denying payment even. My house is being foreclosed on and has been sold, after payment was denied ( in the billable amount ) long before any judgment was filed or before defaulting. Now since the house has been sold, I 've had one XXXX gentleman come out before XXXX knocking on my door and lying to me. I know he 's from the bank, I 've talked to him before, but he lied to me as if he was looking for another house address number, then went up the road in the opposite direction. Yesterday I had a few XXXX gentlemen show up to my neighbor 's house telling her about our contract with the bank, telling her how we do n't pay them and that they were there to throw us out onto the streets, when an eviction has n't even been filed. The bank is basically making threats through our neighbors, and disclosing personal loan information with people who are not authorized to be on the loan. Before all this happened, the payment was caught up but the check was sent back, even though the amount of the check matched the amount on the bill and was sent in before the due date ... the check was even returned and denied to be accepted before the due date even, even though the check was to the total amount on the bill asked for by Ocwen. Ocwen proceeded to tell us to fill out numerous papers to try to get help through them to save the house, but for years paperwork was sent in only to be returned with the acknowledgement that Ocwen did n't help people save their homes. In fact the paperwork sent from Ocwen over and over was even denied by Ocwen that they had sent it to our mailing address.
Company Response:
State: SC
Zip: 29745
Submitted Via: Web
Date Sent: 2016-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was trying to refinance my car and decided to check my credit report. I then realized that Ocwen Loan Servicing had stopped reporting my mortgage payments. The account was either deleted or showing charge-off or closed. I reported the issue to the customer service department and was told they they had been reporting correctly. I then tried to dispute with the credit bureaus and they informed me that Ocwen has stopped reporting and that I can not dispute. I called Ocwen again and they said they had opened an investigation. I never heard from them. I called back and complained again they said that they were not sure why my credit reporting was being " surpressed '' and that they would investigate. I got a letter back a week or so later stating that again the information was accurately reported. I later called in to the office of the ombudsman and complained. after a month or so I again got a letter that the information was correct and that if I had any documents to prove otherwise to send it to them. I called again and emailed the copies of my credit report. I received a call confirming the dates etc on the report. And later received a letter that they would finally make the corrections to my report. I am still waiting to see the corrections. However I watched my credit score drop dramatically across the board. This of course has impacted my livelihood. I was not able to get the refinance rate I deserved I am trying to get better auto insurance and am afraid to try based on my " false '' credit score. This whole process has been goin on since around XX/XX/2016. Thanks for your attention and time to this.
Company Response:
State: CT
Zip: 06002
Submitted Via: Web
Date Sent: 2016-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN over charged me every month after OCWEN posted the {$76000.00} from Keep Your Home California in XXXX 2016. Instead of doing the recast paperwork in XXXX 2016, OCWEN got very busy taking my name off the loan, ruining my credit by removing the loan from the credit bureaus, locking me out of my account, taking my name off the account and hounding me mercilessly to send the homeowner 's association master insurance policy over and over for months, only to say they did n't need it after all when I asked XXXX XXXX of XXXX XXXX to make OCWEN stop. OCWEN suddenly stopped asking for the policy they did n't need, reversed the reversal of the assumption and started trying to repair my badly damaged credit. OCWEN took it 's time with the recast, forcing me to pay a higher amount each month until they could get around to the matter. Then OCWEN blamed me, the same way they blamed XXXX and XXXX ... OCWEN always blames the parties they are working with on any given issue. They have never taken responsibility for their mistakes. The delay in the recast was obviously caused by OCWEN having a field day blowing up our lives. The could not handle all that destruction AND do the recast paperwork properly, so they just concentrated on the destruction, taking my name off the loan and making a huge mess that would be hard to clean up. OCWEN instructed me to only talk to XXXX XXXX when they decided to reverse the damage. I, the Department of Justice and CFPB are all being asked by OCWEN to believe that OCWEN 'S decision to reverse the damage is because of my " displeasure ''. I have never heard of " displeasure '' being a cause of action or a reason for any business transaction. I also never have heard of a company asking an individual what amount of money they would want to settle out of court being " conversational '', just chitchat. XXXX XXXX, on three occasions, asked me how much I would want to settle out of court. Because of his settlement questions, I told attorney 's I was speaking to about this matter that OCWEN seemed to be pressing to settle out of court, but only verbally and that I would ask OCWEN to put it in writing. I gave a deadline of Friday XXXX XXXX, 2016 so that this would not drag on for months like ever matter with OCWEN does. On Friday XXXX XXXX sent the same XXXX pages he sends to answer any question, the same " one size fits all '' pile of public documents that we are supposed to believe excuse any action OCWEN has taken and will take. On Monday XXXX XXXX explained that the settlement talks that he initiated were " just conversation ''. I had not initiated the settlement talks. I was actually surprised when XXXX XXXX kept asking me to give a specific amount I would like to receive. After OCWEN caused a horrific amount of stress in XX/XX/XXXX and XX/XX/XXXX, I told XXXX XXXX I would accept a settlement. Again he asked how much. I took him serious, as my OCWEN contact. I think OCWEN needs to start telling the truth. Why did they put my name back on the loan. What law did they realize they broke? Why did OCWEN torment me further with this fake settlement offer? I have requested no to speak with XXXX XXXX from now on since everything he says might be " conversational '' and not to be taken seriously. In court I imagine OCWEN attorneys will say, " Oh, XXXX was just personally curious about how much you would like to settle this matter, he was not representing OCWEN when he put you through all that. It was just " conversational '' XXXX '' I think OCWEN did something wrong, something illegal and attempted to cover it up with XXXX pages of public documents that do not excuse those actions. I think OCWEN 'S use of the word " displeasure '' as if it is a legal term, is also a red flag indicating something illegal was done. No one reverses actions because of " displeasure ''. Actions are reversed because they were found to be mistakes.
Company Response:
State: CA
Zip: 90710
Submitted Via: Web
Date Sent: 2016-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: After checking my credit report and seeing a mortgage servicer on all XXXX bureau 's, I had informed them of ID Theft was involved in getting that mortgage and it was not mine, along with a few other situations on my report. They have not removed nor have they asked for anything but payment to them. I refuse to pay for something I did n't do. I did back in 2009 file an ID Theft report with the local sheriffs department to have placed on my credit reports to stop all illegal activities.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2016-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Am a licensed Realtor representing a seller in Ohio who is in the process of a short sale withOcwen. I am having difficulty with their XXXX division however when I speak to someone in the US I get results. Have been given approval on short sale but needed extension on closing. Have rec 'd numerous emails from Ocwen asking for the same docs they already have. Every time I send the newly signed ( requested docs ) to XXXX I get messages that they ca n't read the attachments or faxes. Very frustrating to both my seller and the buyer. Is there anything you can do to help us? This is taking way too long and I do have extensive experience handling short sales so it 's not a failure on our part. Need compliance!
Company Response:
State: OH
Zip: 45431
Submitted Via: Web
Date Sent: 2016-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been informed from Ocwen 's Ombudsman office that Ocwen 's legal counsel, XXXX XXXX, has advised Ocwen not to speak to me about my account. I have filed complaints against Ocwen through the CFPB portal because of servicing misconduct and fraudulent activities that are being used to wrongfully foreclose on our primary residence. The Consumer Account Analyst, XXXX XXXX, from the Ombudsman office stated in one of her responses to my complaint, that I could call her if I had any questions regarding her response to my compliant. When I called to speak to her, she advised me she was unable to speak to me regarding my account and she has failed to thoroughly research my complaints and concerns regarding the fraudulent documents produced to wrongfully foreclosure on our primary residence. She just simply attaches a response from their legal counsel from XXXX XXXX, XXXX instead of thoroughly researching my complaint as she claims to do. In her last response to my latest complaint filed, she has directed me to address any questions or concerns regarding my account to XXXX XXXX. I am not really sure how this firm can address the concerns raised when XXXX XXXX is the reason behind my concerns. XXXX XXXX is the firm that produced to us an allonge in XX/XX/XXXX that was unstamped during the discovery phase of our lawsuit. Then XXXX XXXX provided a stamped allonge months later. XXXX XXXX is also making a false claim that I was presented with the original loan documents during my deposition and did not deny that it contained my signature. That statement is absolutely false. I stated in my deposition that the signature appeared to be computer generated and did not appear to be my original signature. The attorney for XXXX XXXX continued to badger me when I made this statement and was trying to force me to admit to it being my signature. We filed a lawsuit against XXXX in XXXX XXXX because of their servicing misconduct activities being done against our primary property. This lawsuit is now closed and Ocwen should be able to speak to me directly involving any unresolved issues or concerns I have about my account. My relationship manager, XXXX, XXXX XXXX, has also advised me that he is unable to discuss my account with me. As part of the Ocwen National Servicing Settlement Agreement, I am to be assigned a single point of contact. What is the point of having a single point of contact to ask questions about my account, when they have been unable to speak to me about my account?
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2016-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Insurance Claim on Primary Residence. Mortgage Company mishandling my funds for repair of loss.
Company Response:
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2016-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I 've owned my home since XXXX. In XXXX I refinanced my mortgage with XXXX with a loan for {$500000.00}. This was an interest only loan with a fixed interest rate. It went along fine until OCWEN took over servicing in XXXX XXXX. I had been paying my monthly mortgage of {$3200.00} since the beginning of XXXX. The interest due on my loan was {$2800.00} per month. That left XXXX for my escrow. It turns out that I was underpaying my escrow by about XXXX but I did not know this at the time. As I said I had paid that every month during XXXX and there was never any complaint from Litton. But the very first month after OCWEN took over there was a problem. This was XXXX XXXX payment which I made on XXXX XXXX, XXXX. Rather than pay the interest due and put the remainder into escrow ( which is what the deed of trust says to do - first pay interest then pay escrow ) they paid the escrow first. They took out {$410.00} out of my payment to pay the escrow and then they paid the remainder toward the interest XXXX {$2800.00} ). However, that meant I had not fully paid the interest due on the loan. OCWEN realized that they were not paid the full amount of interest and on XXXX XXXX, XXXX they sought to fix the error. What they did was illegal and had caused nothing but problems ever since. OCWEN lent me {$38.00} without my permission and without authority in the loan documents. Initially I borrowed {$500000.00}. Effective XXXX/XXXX/XXXX my principal loan balance was {$500000.00}! Oddly the amount that was off was actually {$39.00} was what I was short so I have no idea why they did {$38.00}. After that it just got worse. Every month when I made my {$3200.00} monthly payment OCWEN would put it into suspense and not apply it. I understand that I was paying about {$39.00} too little but I did not know that and Litton had allowed it the entire year. Also please note that I always got money back annually from my escrow. This holding my payments in escrow went on for month after month generating fees after fees until a bank rep reached my wife and told her we were behind XXXX payments so she immediately sent in the money that was asked for. What happened with that is that OCWEN took the short fall out of that payment and paid the rest towards principal so that the following month I was back to being put in suspense. By XXXX I had figured out I needed to send in more for the escrow and from that time till now I have been paying the exact correct amount. Yet they still charge me late charges and other fees every month. I hired a lawyer who reviewed the payment history and explained to me how it is that I make every single payment on time and yet I am going into foreclosure. Can you help me? I am willing to pay them all the money they want but I do n't want to pay all the fees. This started by them making a mistake! Can you help me? Can you call my lawyer? XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92107
Submitted Via: Web
Date Sent: 2016-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes