Date Received: 2016-06-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been fighting for 8 years to keep my home. Now that we are in the process of modifying my loan they are trying to compound my interest and charge me nearly double what I owe on the home. Additionally the escrow needs to be recalculated with the new insurance and tax credit as they are currently using a negative {$1000.00} escrow shortage as part of the modification.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2016-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Since XXXX I have paid for our original 6.5 % mortgage. {$1400.00} X XXXX = {$510000.00} {$150000.00} to fleet mortgage {$360000.00} {$49000.00} to XXXX {$310000.00} {$200000.00} to XXXX {$100000.00} {$100000.00} to the modification From OUR {$52000.00} escrow we paid {$44000.00} to credit cards In XXXX XXXX we paid off all of the credit cards the escrow and all principal and interest due on the loan. We have {$220000.00} equity Plus {$47000.00} We have {$270000.00} CREDIT. NOT a {$270000.00} balance. I gave Ocwen written notice that I did not want any more credit and wished to close the account. I want them to release the lien. They have {$50000.00} for the 2 % interest I paid them on NOTHING. RELEASE my LEIN
Company Response:
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2016-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The complaint is on Ocwen Financial Corporation, a mortgage servicer, and its contractor for foreclosure-related services, the law firm XXXX XXXX XXXX XXXX XXXX XXXX. Ocwen assumed Litton Loan Servicing 's interests in XXXX. I filed complaint against Litton shortly before that time on what are virtually the same grounds on which this is based. In the first few months of operation, Ocwen did NOT have us speak with qualified customer service representatives who where familiar with the accounting process there. Instead our calls were routed to a rent-a-center in XXXX with operators having no real knowledge of procedure and no direct access to our records. The XXXX personnel were difficult to understand at times due to a XXXX accent or use of terms not in our own vernacular. After Ocwen was made to dispense with those representatives, several months passed before we received ANY communication from them, via mail or phone. Also Ocwen has repeatedly mishandled or discarded documents sent to them with the claim that they were not received or sent in on time ; and anything having to do with application for the HARP / HAMP loans was ignored or given undue opposition. There were several instances in which I should have qualified but was turned down flat if not previously stymied by " missing '' documents. I was allowed to seek a reverse mortgage as a remedy to the default on XXXX to XXXX occasions ; but though approved on each occasion things fell through at the last stage due to " discovery '' that the reverse mortgagee and the current mortgage company were interlinked by XXXX XXXX. ( A side note - High fees were paid for the application each time ; and XXXX of the banks was XXXX XXXX. ) I believe that Ocwen had knowledge of the XXXX XXXX affiliation in each case though such would not be known to the general public. XXXX recently placed our house up for auction through judicial foreclosure without ANY prior notification of that fact coming from them or Ocwen. I believe it was by accident or careful engineering that word was received through my XXXX Program attorney via e-mail just 26 days before the sale date. XXXX told him that they were unaware of my representation when the same attorney has been had for the 6 years before the attempted sale and proof is had of the previous law firm 's XXXX XXXX 's ) knowledge of my present attorney through saved correspondence with them. ( A side note - I received {$1500.00} in settlement from a class action suit for XXXX 's negligence in handling my documents. ) XXXX also claimed that they were new to the case as an excuse, but proof is had through court records and personal correspondence written that they were on my account for at least 1 year before the exchange had with them at the end of this XXXX. XXXX also claims that it knew the property to be unoccupied and filed a cert with the court to that " fact '' to expedite the sale. A family member has always been at home before ( since the house was built in XXXX ) and since the default and there is usually a car in the driveway. XXXX 's offices are located in XXXX, MD as we are, and are just XXXX miles away. A document Ocwen drafted in XXXX XXXX states that our property is occupied ; while the cert they filed with the court 2 months and 10 days later says it is NOT. Also, my previous personal attorney of record for my bankruptcy involving foreclosure on this same property joined XXXX to go against me. XXXX 's counsel have been extremely negligent either by accident or on purpose. They entered errant dates into the official court record - including what sites the posting of the notice of foreclosure on the house 's front door as being about a month and a half after it occurred. The Order of the Court sent after the mediation hearing grants foreclosure but does not clearly show the judge 's name and misquotes the plaintiff 's name / identity.
Company Response:
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2016-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-05
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Some OCwen home loan servicing has paid my taxes on my property and my name : XXXX XXXX XXXX has been removed. I have not taken steps to remove my name from official records. This is a fraud on my title. I
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2016-06-05
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been making extra to our principal to our Ocwen loan but the payments are not being applied to principal but to a suspense account. The payments are being applied at a later but not back dated to when the payment was received. Our loan is equity loan and the interest is calculated daily based on the balance. The interest balance is higher to due to improper posting of our payments. On XXXX XXXX, 2016, I sent Ocwen letting them know I was disputing the outstanding loan balance and missed applied payments. As of the date of this letter, I have yet to receive a response from Ocwen regarding my XXXX XXXX, 2016 letter. In addition our interest rate has gone up twice with no notice.
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2016-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My mortgage company, OCWEN Loan servicing, tried to foreclose after approving me for a modification of my loan. They contacted the bankruptcy court stating they had not received any payments on my behalf when in fact I sent my trial payment for XX/XX/XXXX on XXXX/XXXX/XXXX. I provided their attorney with print outs from their Webb site with payment verification and therefore their attorney had to withdraw his motion. This resulting in my bankruptcy judge approving my modification later on XXXX/XXXX/XXXX. My mortgage company went back and back-dated my payment history in my record showing a motion to relief stay filed on XXXX/XXXX/XXXX. By this date the mortgage company received payment amount $ XXXX.for XX/XX/XXXX from me., {$240.00} from trustee in XX/XX/XXXX, {$240.00} from trustee in XX/XX/XXXX, {$240.00} in XX/XX/XXXX from trustee, and XXXX {$340.00} from me. I spoke with several relationship mgrs for my account whom assured me all payment would be applied to current mortgage. Now their saying I 'm 3 months behind and sent me a reinstate quote, via email. can someone please help.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2016-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I 'm desperately asking for your help with my mortgage Servicing company Ocwen Loan Servicing & the investor of my mortgage loan XXXX XXXX. I have been living in my house since XX/XX/XXXX. I bought my property at a very high value of {$890000.00} at that time. Now my property is worth half of that. I 'm a struggling home owner, I have a daughter that is going through XXXX at this time and It has been extremely difficult morally, financially and XXXX. I do n't want to lose my home at this time when my daughter is going through this difficult time. We have nowhere to go. I have asked Ocwen Loan Servicing to help me out but apparently the investor of my loan XXXX XXXX does not want to help me out. On XXXX XXXX, XXXX they have denied me for a loan modification. When XXXX XXXX needed help during the government bailouts, XXXX XXXX took more than XXXX dollars of from us tax payers, and I believe they paid back the money, but my point is that everyone needs help at one point and for me unfortunately I 'm asking for help a second time. Today I 'm asking you as a representative of the people to help me in pursuing Ocwen Loan Servicing & XXXX XXXX to help me so I wo n't lose my property. I became late in my mortgage payments because the reduction in my monthly income. I was a self-employed driver for years and had my own business. Due to business failure I had to close down my business and became a XXXX employee at a company. As a XXXX employee I 'm not making as much money as I used to. However I not only a XXXX employee but now a part-time self-employed as well. Starting XX/XX/XXXX I have been getting money a self employed and my XXXX job. It has been a very tough time and sometimes I work 16hrs a day but I have no choice but to keep working because I want to save my home. I am the only one working and I 'm also renting the XXXX unit on my property. Recently I have demostrated Ocwen Loan Servicing that I make the sufficeint money to maintain a payment but they have refused to help me. All I 'm asking is to please put all the payments on delinquent in back of the loan and I can resume making payments as usual. I can not pay all the payments I 'm behind but I do need help to catch up. I do n't want to lose my house, I can now start makng payments since in the last few months I have been having a higher and steady income.
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2016-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I purchased my home XX/XX/XXXX and never was behind in my mortgage. Unfortunately I became involved in a predatory loan with XXXX XXXX, loss my job XXXX XXXX and then Hurricane XXXX hit. I had XXXX feet of water in my first level. My flood and homeowners insurance paid me but Indy Mac would not release the money. I stopped paying my mortgage and fixed my house. I began filling out loan modification papers for years, then they sold my loan to OCWIN ( XXXX # XXXX ). Again kept filling out loan modifications only to be told the lender does not due loan modifications. I 've hired a lawyer who tells me there is nothing we can do and they are foreclosing on my home. I 've worked XXXX jobs my whole life for this house and its being taken from me. Please help me to save my home.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2016-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-03
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I want to payoff this loan with the {$530000.00} paid to first XXXX and the {$70000.00} paid to XXXX or the {$140000.00} paid to XXXX and {$150000.00} paid to XXXX mortgage or the {$350000.00} to Indymac or the {$200000.00} to XXXX XXXX or {$70000.00} to XXXX ... ... I want an investigation. CFPB has my bank statements and multiple documents why they wo n't release a {$260000.00} I do n't owe and who and why are they paying discharged unsecured debt
Company Response:
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2016-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I refinance my mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, At the time of refinance, original lender did not required me to have any other additional insurance other than XXXX. I provided it to Lender and we closed the loan. At the present, Ocwen as the new Servicer has put forced place insurance on the unit. Now Ocwen raised raised my monthly mortgage payment.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2016-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes