Date Received: 2016-05-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We had trouble paying our mortgage after our trial modification because of problems with getting paid through the commonwealth of Massachusetts. The my father got very sick and has since passed away do I could n't not work. So we applied for the making homes affordable tier XXXX. Of course ocwen is dragging their feet and have put us into foreclosure. They keep requesting new paperwork. We received a bill stating that if we paid the {$15000.00} in back payments we could be reinstated. We can do this when we get my fathers life insurance but that takes a month. Now we have real estate agents calling us constantly and putting our house up on a website for foreclosure ls. All of this is happening while trying to morn my fathers recent passing.
Company Response:
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2016-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-25
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: This company is trying to say they have a loan on my house. Ocwen personal and confidential : XXXX XXXX, XXXX XXXX PA XXXX. My loan was written off by Litton Loan ... and there is a class action Lawsuit against them. Ocwen is now on my credit report ... starting from the time they say there loan started This is my second report. They also have class action lawsuits against them. Please help!!
Company Response:
State: IA
Zip: 52601
Submitted Via: Web
Date Sent: 2016-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-25
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I continue to dispute the XXXX modification, field adjustments and another XXXX they think I owe. In XXXX I owed {$210000.00} + {$43000.00} + {$20000.00} = {$280000.00} balance due {$150000.00} to fleet. {$55000.00} to XXXX. {$360000.00} to XXXX = {$620000.00}. {$140000.00} to XXXX. {$50000.00} to XXXX. = {$180000.00} = {$130000.00} to XXXX XXXX + {$61000.00} forclosure sale and their Attorneys value of {$78000.00} = {$130000.00} Total paid since XXXX = {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they want MORE!? {$110000.00} taxes and insurance + {$44000.00} paid to credit cards - {$160000.00} + {$270000.00} balance = {$100000.00} more. {>= $1,000,000}. INTEREST in 17 years. At {$70000.00} per year this is over 25 % interest -if I pay off a {$270000.00} balance today ( I have n't even paid off the {$20000.00} from XXXX that I never refinanced ). XXXX XXXX XXXX released XXXX mortgages in XXXX XXXX released twice and XXXX released another loan for the second time. All of which were supposedly paid of off from the current mortgage they refuse to release. XXXX offered me a refinance in XXXX I did not accept or sign. I will attach
Company Response:
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2016-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: 6 years ago i am in a loan modification with ocwen loan servicing i have the documents for the first 5 years its 1 percent second 5 years 2 percent, i am in the second year in which i should pay XXXX a month, i understand escrow goes up a little for insurance and taxes but mine went up XXXX dollars for XX/XX/XXXX, XXXX, and XX/XX/XXXX from XXXX to XXXX and now XX/XX/XXXX is XXXX what the heck is going on, you ca n't get a clear answer and they ca n't explain it now they want me to do a new modification so they can get more escrow. second they sent a letter stating i owe over a XXXX dollars in which i do n't, if you take XXXX for 3 months is XXXX and i pay XXXX for 3 months like i should that is XXXX in which is XXXX not over a XXXX dollars i talked to them several times and i get a different answer every time these people are idiots and you ca n't talk to them, i had read several complaints about ocwen loan servicing, my escrow was XXXX times XXXX is XXXX my insurance and taxes is XXXX now they want XXXX a month in which is XXXX why why why, like i said i can understand a little but not XXXX dollars i never seen a mortgage bounce from XXXX to XXXX for 3 months and back down to XXXX,
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2016-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-24
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: indecome global services same as XXXX XXXX XXXX fraud documentation robo signing reied on by co conspirator, indecome globalserices, ocwen, XXXX DEBET Collector forecloure mill .for deception and faulty evidence.debts that often could not be verified or may not be owed. Debt collectors XXXX and conspirators named indecomm global services, XXXX, OCWEN, XXXX use the court system for purposes of intimidation ( ASSIGNMENT FRAUD, FRAUD AND MULTIPLE VERSION COPY OF NOTES, FRAUD allonge, create mortgage notes using modern technology, fraud lost note affidavits none these document were ever certify as true and original copy by a practicing attorney in the foreclosure mill even with almost XXXX foreclosure mill attorney attached to this case. XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX knew these documents were fraud but continue o file even fraud note manufactured using the miracle modem technology, undated allonge signed by XXXX XXXX, of XXXX XXXX, and XXXX XXXX fraud stamp that on the note even ( several years she may longer work with residential funding, Gmac, home comming, that no longer cease to exist ), Introducing faulty or unsubstantiated evidence, Intimidating consumers with deceptive court filings THEY used sworn statements OF fraud affidavit, declarations of debts, assignments fraud prepared by indecomme global services prepared and robo signed from contract robo signer that claimed to be officers of multiple banking institutions attesting to details about consumer debts to support its lawsuits with no personal knowledge of defunct entities.when challenged their defense are baseless without merits.see similar actions of foreclosure mill law XXXX Reaches Settlement with CFPB over Debt Collection Lawsuit XXXX XXXX, 2015 Under a settlement with the CFPB, the Georgia-based debt collection law firm will pay a XXXX fine and nsure the existence of a variety of non-monetary compliance policies and procedures. On XXXX XXXX, 2015, Judge XXXX XXXX denied the XXXX XXXX 's Motion to Dismiss in the case Consumer Financial Protection Bureau v. XXXX XXXX XXXX XXXX XXXX, XXXX, et al., No. XXXX, XXXX XXXX ( XXXX., XXXX XXXX, 2015 ). In doing so, the district court concluded that the practice-of-law exclusion does not bar the CFPB 's CFPA claims. IN A SIMILAR CASE the CFPB has ordered XXXX of the XXXX law firm 's clients, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, to overhaul their debt collection practices and to refund XXXX to harmed consumers. The Bureau will continue working to ensure all players in the collections market treat consumers fairly.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2016-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Ocwen has provided numerous responses to your office each of which made false statements that XXXX XXXX is the current holder of the note and that servicing was transferred to Ocwen in XXXX XXXX. However, my limited access to loan documents recently turned up a trailing document that shows that the loan was repurchased from XXXX ( XXXX XXXX XXXX , XXXX ). Portions of Owens responses to your office regarding my complaints include : 1. The entity that currently owns the loan and holds the note is XXXX XXXX XXXX, XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX, Asset Backed Certificates, Series XXXX ( XXXX XXXX ). 2. According to Ocwen 's records, the servicing responsibilities of the loan transferred from Homeward Residential , Inc. ( Homeward ) to Ocwen effective XXXX, XXXX, XXXX. As an alleged borrower, I have access to a limited portion of Ocwen 's records pertaining to the alleged debt. Inside my document files with Ocwen there are Trailing Documents sent from Homeward on behalf of XXXX XXXX wherein a box is checked stating that the Original Notes are not present. Homeward Residential , Inc. is stating in the trailing documents that the files ( which contains the promissory note and XXXX conflicting allonges ) are not in our custody and we are forwarding on these documents so that they can be merged with the files that have been released to your custody. The Trailing Documents have a customer name of XXXX ( XXXX XXXX XXXX , XXXX, now known as XXXX. XXXX was likely forced to repurchase this loan from the loan pool because of all the defective and or missing documents related to this loan. After XXXX repurchased the loan from XXXX XXXX, they never notified me of the repurchase and XXXX did not provide any of their contact information as required by RESPA, giving me an opportunity to rescind the loan. According to an account reconciliation that Ocwen provided to me, the repurchase must have taken place on XXXX XXXX, XXXX. The amount paid for the repurchase was XXXX. XXXX attached payment reconciliation history from Ocwen. To the contrary Ocwen has provided in it 's response that : According to Ocwen 's records, the servicing responsibilities of the loan transferred from Homeward Residential ( Homeward ) to Ocwen effective XXXX XXXX, XXXX, contractually due for the XXXX XXXX, XXXX installment in the amount of {$1900.00} with {$1600.00} for principal and interest, and {$300.00} towards escrow. Furthermore, the account transferred with a negative escrow balance of {$8500.00}. If XXXX XXXX is not in possession of the note, it is impossible for them to be the holder of the note. Furthermore, as shown on the attached payment reconciliation XXXX XXXX received a disbursement from XXXX XXXX XXXX , XXXX paying off any amounts owed to XXXX XXXX. Once Homeward applied the payment to the account, they later reported to the credit bureaus that the account balance was XXXX. Ocwen later came back and changed the information reported on my credit report after I questioned why they were attempting to collect on an account that had a XXXX balance.It is apparent based on Ocwen 's records containing the Trailing Documents to its customer XXXX that the loan was sold and XXXX XXXX is not the current holder of the note. Ocwen is trying to receive double payment on the balance that was owed. Ocwen sold the property on XXXX XXXX, XXXX even after it failed to provide a response to a notice to correct an error that was sent to Ocwen. This file is wrought with fraud and Ocwen has no right to attempt to collect a loan that was satisfied by XXXX. The XXXX alleged allonges each have defects the first allonge is made by Option One Mortgage, but signed by XXXX XXXX XXXX. The second one has incorrect loan number. Option One Mortgage was not known as XXXX XXXX on XXXX/XXXX/XXXX.
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2016-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My loan was sold to Ocwen Loan Mortgage Servicing. When I fell behind in my payments, I told that I did n't qualify for XXXX and yet I am now more upside-down than I was before they refinanced my loan. Now I owe about $ XXXX more than it 's value and there is a balloon payment so I will never get out of the loan. I tried to give it back to them and rented another home for two years- they let it sit, knowing it was empty and the pipes froze and when I did return, there were XXXX or XXXX leaks in the pipes and walls/ceiling to fix. Now they call and tell me that the call is NOT an attempt to collect a debt as it was included in my BK in 2011, but I do n't know how to get out of the loan and move on. The house is falling apart with holes in the ceiling and walls from the pipes bursting. When I ask them about the disclaimer, they say that they can not hold me accountable for the loan due to my BK- so can I walk away? Last time I tried, they left it in my name so I was on the deed, liable for all XXXX charges of sewer and trash, and XXXX taxes. Help, what can I do to get out of this situation? Also, now I have had XXXX separate instances where a call coming from their number is a person trying to get me to send several hundred dollars for 'fees ' XXXX in Florida- they threaten me and they berate me and yet when I originate a call to them, they say that there is no record of this person or the contact telling me to update my taxes, and impounds and to send money to their lawyers. I feel threatened and antagonized by them. So can I walk away and if so, how do I get the liability for this property out of my name? Am I just renting??
Company Response:
State: NV
Zip: 89434
Submitted Via: Web
Date Sent: 2016-05-24
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The prior owner of my property, XXXX XXXX XXXX, XXXX, Ohio XXXX has the cancelled note for the property and I subsequently purchased the property in XXXX 2016. Ocwen identified that they had NO RECORD of an account still existing on the property. Regardless of this XXXX is foreclosing on the property and all references refer back to Ocwen and account number XXXX.
Company Response:
State: OH
Zip: 43016
Submitted Via: Web
Date Sent: 2016-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I filed Chapter XXXX Bankruptcy in XXXX. At the time my loan was current. My Mortgage company filed Bankruptcy and the loan was sold, then after I filed I was told to do a loan modification. The Modification was done in XXXX with OCWEN. We filled out all the paperwork and were told that to qualify for the loan the payment needed to be in default and to stop making the payment while the modification was being processed, reluctantly we did. After months of waiting the modification was done and they ended up adding XXXX to the balance of our loan. At that time as far as all the paperwork the loan was current and the escrow was current. The remainder of XXXX, XXXX and up until XXXX XXXX all the payments were made and the escrow was fine. In XXXX XXXX OCWEN removed over XXXX from my escrow account calling it a POC ( proof of claim ), which they claim was a pre-petition shortage in our escrow, this is impossible 1. the account was current when the Chapter XXXX was filed 2. they did not even have the loan in XXXX when the Chapter XXXX was filed 3. if they filed a proof of claim the court would have it and 4. if this was an accurate claim payments would have been to them by the Trustee as part of the proceedings. Their action have put my escrow in a negative balance and then they upped the payment over XXXX per month, which could not be afforded because we filed Bankruptcy. We immediately contacted them explained if they had a Proof of Claim they should contact the Trustee handling our Chapter XXXX and they had no right to remove this money from our escrow account, I am still waiting for them to give an explanation. Meanwhile they have been applying my payments to this shortage and now my payments are behind. I just contacted them again today requesting a line by line accounting of the XXXX added to my loan, and a copy of their proof of claim for our attorney. I was met with condescending, argumentative and a rude response. They told me I should have my attorney contact their attorney when I asked for the name and contact information, they were unable to provide that. When I asked for a copy of the proof of claim the response was " well its not a proof of claim it was a transfer of claim '', they did n't have a copy to send me. I was asked if the line by line accounting was for my attorney I responded yes, and I was told that he should call for it. I told them this is my account I have the right to ask for copies of any documentation related to my account, I was told it would take 10 days. Now I have been getting nowhere with OCWEN for 11 months regarding this escrow discrepancy and our Bankruptcy is nearing the end of its period, ( XXXX XXXX ). We were told if we did n't bring the account current in XXXX XXXX they would file for foreclosure, we have quite a bit of equity in our home and we will not lose it. The Escrow account is not for OCWEN to remove money from whenever they feel like it. IF they had a claim it should have been dealt with by the Trustee of our Chapter XXXX. Due to their actions my account is behind. They refuse to send me the documentation I have request and refuse to explain themselves for over 11 months now. We believe that they are purposely dragging this out so they can file for foreclosure in XXXX and make even more money because we have XXXX in equity in the home. If something is not done we stand to lose our XXXX in equity along with our home, time is of the essence in this situation and I am getting nowhere with OCWEN. I have contacted our Bankruptcy Attorney for guidance and OCWEN needs to be stopped. I have read over XXXX complaints against OCWEN regarding the same type of deceptive acts, and after reading the complaints realize that this senario is being played out over and over every day.
Company Response:
State: TX
Zip: 77355
Submitted Via: Web
Date Sent: 2016-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN is reporting me as having two late payments but records show that I have not been late for several years on my payments.
Company Response:
State: OR
Zip: 97214
Submitted Via: Web
Date Sent: 2016-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No