Date Received: 2016-05-21
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: Ocwen was in receipt of a notice to correct an error on my loan for clear errors regarding the unlawful start of a foreclosure before sending a 45 day pre-foreclosure letter. Ocwen received the notice to correct the error on XXXX XXXX, 2016 at XXXX XXXX, Owen 's automated response system sent me an email response on the same date and time stating thanking me for my request. Ocwen claimed to be reviewing the information and stated that they will respond quickly as possible. If additional information was needed, they would contact me. On XXXX XXXX, 2016, Ocwen mailed out an acknowledgement letter stating again that they received the correspondence. Ocwen said its goal was to complete all research and provide a written response to me within ( 10 ) business days from the date of the receipt of the letter, but it could be 30 days. When the 10 business days passed, Ocwen was contacted by my wife regarding the pending sale on the property for the status and inquired about the investigation into the notice to correct the error. Owen 's representative said that the research was ongoing and that the sale had been cancelled. We noticed that the trustee was still advertising the property for sale and we inquired with them and found out that the sale was not off. Ocwen on a later date informed me that the sale was in fact canceled through a call with my resolution manager, but just 30 minutes or so before my appointment time with my resolution manager, the attorney for the trustee sent over a message stating the sale for XXXX XXXX, 2016 was still scheduled. We decided on XXXX XXXX, 2016, after failure to get fair, non discriminatory treatment from Ocwen and its agents, we filed a fair housing complaint based on what we feel is racial discrimination. On XXXX XXXX, 2016 contrary to information that we read on the CFPB site regarding a Notice to Correct an Error, Ocwen sold the property before sending a written response with supporting documents that no error was found.
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2016-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My property is in foreclosure due to a divorce. My Lender is OCWEN, I decided to sell my property to avoid having a foreclosure on my credit. I contacted OCWEN to let them know I was selling the property. I listed the property and have a approved buyer. A couple of weeks after that I received a notice that OCWEN had set a date to do a foreclosure sale on my property. My XXXX XXXX XXXX and I contacted OCWEN to see if they would postpone the sale date to allow the sale escrow to close verses foreclosing. They requested I submit a request for Mortgage assistance package and all of my financial information along with the proof the buyer was qualified. We sent it to them on XXXX XXXX, 2016, We spoke with them on XXXX XXXX, 2016 to confirm they received all of the required documents. They said they had. On XXXX XXXX, 2016 I received a response denying my request. My agent spoke with a representative on XXXX XXXX, 2016. They requested additional documentation. On XXXX XXXX, 2016 My agent spoke with them again. The representative told him the instructions previous given was wrong and that they should have never told us that. We requested again that they postpone the foreclosure sale to allow the sale escrow to close. They said they have to review it again. WE NEED THiS TO STOP. It appears OCWEN would rather foreclosure than to allow me to sale my property and prevent a foreclosure on my credit.
Company Response:
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2016-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I received XXXX calls at work on XXXX/XXXX/16 with messages left on my voicemail from a man with an accent saying his name was XXXX XXXX with Ocwen Loan Servicing. The caller ID showed up as Ocwen 's phone number XXXX, but his call back number given he said was XXXX which has a fast busy signal when I tried to call it back. He threatened that Ocwen would be placing legal action on me resulting in me losing my home. He gave my full name and my property address.
Company Response:
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2016-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX, 2016, I faxed a copy of the " Request for PMI Cancellation Review '' to OCWEN Mortgage. It has been more than 15 business days since I faxed the form and I have not received correspondence from OCWEN indicating confirmation or a determination. On XXXX XXXX, I spoke with OCWEN Representative, XXXX XXXX ( ID XXXX ). She mentioned that her system indicated correspondence was received from me on XXXX XXXX, 2016 and XXXX XXXX, 2016. She was unable to see the correspondence to confirm receipt of the PMI Cancellation form. On XXXX XXXX, I sent an email to XXXXXXXXXXXX asking for confirmation and to request that they proceed with the cancellation expeditiously. On XXXX XXXX, I sent another email to XXXXXXXXXXXX asking ( again ) for a confirmation and to cancel PMI. On XXXX XXXX, I spoke with OCWEN representative XXXX ( ID XXXX ). He was finally able to confirm that the " Request for PMI Cancellation Review '' was received on XXXX XXXX, 2016. He stated that representative XXXX was still working on it. I indicated to XXXX that the XXXX XXXX, 2016 date was incorrect. The fax should have been received on XXXX XXXX, 2016 and that the 15 business day window has passed. He has forwarded my complaint to the Research Department. He said that I should receive a letter of determination on the PMI cancellation within XXXX business days of XXXX XXXX, 2016. He stated that I should receive a letter from the Research Department within 10 days.
Company Response:
State: NC
Zip: 27517
Submitted Via: Web
Date Sent: 2016-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX, 2016, I sent check number XXXX to OCWEN. The amount of the check was {$15000.00}. I also included a request for a pay off amount after the payment was applied. I contacted OCWEN on XXXX XXXX, 2016 to find out why the check had n't cleared my account. I was informed that the check would be returned since it was n't enough to pay off the loan. I asked for the payment to be applied to my account and I would request the pay off after it had. The customer service representative agreed to this request. As of today, the check still has n't cleared my account. I have submitted a screenshot of my checking account balance to show that the funds for this payment are available. I have had nothing but trouble with OCWEN since they took over the loan. I want my payment applied and a payoff amount sent.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2016-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX my mortgage with OCWEN reached its maturity date. OCWEN would not accept my last payment due to fees on account. I tried to work this out with OCWEN, instead they hired XXXX to start foreclosure. On XXXX XXXX XXXX sent me a NOTICE OF INTENTION TO FORECLOSE. With the amount of XXXX needed to satisfy mortgage. The amount was good for 30 days. I did n't have all the money, so I call OCWEN to reduce some of the fees to no avail. On XXXX XXXX, 2016 XXXX sent me a new complaint with XXXX due. I contacted OCWEN and they sent me a higher amount due.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2016-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-19
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: I sent a notice to correct an error on or about XXXX XXXX, XXXX. Ocwen sent 2 separate letters stating that they would investigate and provide documents. Ocwen has failed to respond to the notice but have had counsel, its office of the Ombudsman and customer care inform me that the sale will proceed on XXXX XXXX, XXXX without any documents presented that no errors occurred. Documents showing that I have asked Ocwen for a response as early as this morning is attached. The attachment also supports that there are in fact errors that were made. MailBoxes Inbox ( XXXX ) Drafts ( XXXX ) Sent Spam ( XXXX ) [ Empty ] Trash [ Empty ] My Folders [ Edit ] Previous Next XXXX ' XXXX XXXX 's unbelievable how different your daily life can be with the addition of some smart tools. Free your mind to focus on the really important things. Notice to Correct Error Loan number XXXX Thursday, XXXX XXXX, XXXX XXXX AM XXXX as Unread From : " XXXX XXXX '' XXXXXXXXXXXX To : XXXXXXXXXXXX Full Headers Printable View XXXX XXXX XXXXDownload All PDFnccob response XXXX XXXX RE : XXXX Borrower Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NC XXXX Dear Sir/Madam : This email is being sent in response to your counsel at XXXX notification that the property will be sold at a foreclosure auction on XXXX XXXX, XXXX. Please be reminded that your office received a Notice to Correct an Error ( RESPA ) on or about XXXX XXXX, XXXX via electronic services. Your office has not responded to the error wherein your predecessor initiated the foreclosure before mailing the 45 day pre-foreclosure letter. In support of this failure to respond and as a means to show proof that actual errors occurred, I am attaching documents that are evidence of your errors. Please be advised that a formal complaint will be filed in Federal Court as a result of your inaction on the Notice to Correct the Error. A new complaint will be launched with the Consumer Financial Protection Bureau. Regards,
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2016-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Im writing in regards to my father. He has since passed away. He sold his house to my husband and my self in XX/XX/XXXX we have been having difficulty paying our mortgage. All the paperwork that comes in regards to this is also sent in his name. Why? I have a copy of the original mortgage that show we took out he mortgage. He has since passed away from XXXX and we need to get this straightened out.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2016-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen and XXXX bank attempting illegal foreclosure with fraudulent documents and a mortgage that was discharged 6 years ago. 1. The Plaintiffs filed their claim for judicial foreclosure on XXXX XXXX, XXXX, at Count XXXX in paragraph XXXX of the Plaintiffs complaint, the Plaintiff alleges that the Default occurred on XXXX XXXX, XXXX about six years after the alleged default by the Sole Home Owner. The Plaintiffs filed with the Court see XXXX XXXX a letter of default on XXXX XXXX, XXXX, but although the letter does not detail a default or any details of the Default. In part the letter explicitly states in small print on the bottom of the document " that if this mortgage was in active Bankruptcy or has been discharged in Bankruptcy the notice does not pertain to the Sole Home Owner '' - this is paraphrased. 2. On XXXX XXXX, XXXX, Debtor/Defendant filed a voluntary petition for relief under Chapter XXXX in the Federal Bankruptcy Court of the District of Columbia. Debtor Declaration, see XXXX XXXX paragraph XXXX. XXXX of the creditors listed on Debtors petition was XXXX Mortgage, who at the time proclaimed to own the mortgage of the home where the Debtor is the Sole Home Owner of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX DC XXXX. XXXX XXXX, Id. At paragraphs XXXX and XXXX docket entry XXXX, which is the Petition for Bankruptcy, subsequently on XXXX XXXX, XXXX, the Bankruptcy Court granted Debtor a discharge of her debts under Sec XXXX of the Bankruptcy XXXX EXHIBIT XXXX paragraph XXXX docket entry XXXX. The Plaintiffs claim for Judicial Foreclosure is therefore conclusively time-barred as discerned from the face of the complaint. XXXX XXXX, XXXX XXXX at XXXX.The Plaintiff entered appearance and had the opportunity to file their action during and immediately post-Bankruptcy discharge of the Defendant, but for unknown reasons to Defendant, the Plaintiff did not show or act timely. COUNT XXXX THE NOTE IS NOT A GENUINE INSTRUMENT 3. The Plaintiff provided an exhibit which on its face constitutes an allonge, but this allonge was not attached to the Note and the allonge was not numbered as an exhibit. The allonge was redacted to remove the loan number of the original transaction, see XXXX XXXX. 4. The exhibit of the allonge indicated that the allonge was endorsed in blank on XXXX/XXXX/XXXX, by XXXX, the original Lender. The individual who signed the endorsement was XXXX XXXX, the President, and was stamped the Certified Original by XXXX see EXHIBIT XXXX. This copy was provided to XXXX XXXX XXXX of the XXXX office of Consumer Protection Agency via fax XXXX XXXX, XXXX by Ocwen. XXXX mortgage filed Chapter XXXX on XXXX XXXX, XXXX and was indicted for nationwide fraud and shut down ; yet the Plaintiff and their Counsels supplied a new version as of current see EXHIBIT XXXX with a different stamp replacing the Certified Original of The Lending Connection, by XXXX XXXX as XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The original purported allonge in blank now bears a new stamp naming XXXX XXXX Mortgage as having standing. 5. There are several issues with this document which the Borrower alleges to be a fraud on the Court and on the Borrower ; a. ) The allonge was not necessary as the Note appears to have sufficient space to place stamps of endorsements. b. ) The Sole Home Owner has an un-redacted copy of the allonge See EXHIBIT XXXX, which was mailed to her by XXXX, where the loan number appears on the XXXX, on the very top of the XXXX, which the Sole Home Owner has in her possession see EXHIBIT XXXX the allonge included identifying information which indicated that the allonge was faxed to the XXXX the document number is written on the allonge to be DOC XXXX page XXXX on XXXX XXXX, XXXX. c. ) The XXXX was endorsed in Blank by the Lending Connection. The said allonge has another
Company Response:
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2016-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received a letter dated XXXX XXXX, XXXX from Ocwen Loan Services , LLC ( Unique ID No. XXXX ) asking to provide proof of homeowners insurance on a property I purchased in XX/XX/XXXX. Ocwen owns my mortgage since XX/XX/XXXX or XX/XX/XXXX. The property located in Florida is a townhome in a condominium. We 've always had condo insurance which is responsible for any damage up to " unfinished walls '' meaning that kitchen and bathroom cabinets, wall finishing, flooring, stairs, etc. are not covered. Since XX/XX/XXXX the certificate of insurance issued by the condo association insurance company was enough for the different owners of my mortgage including Ocwen in the last XXXX years. I called the condo insurance company asking to submit to Ocwen the XX/XX/XXXX-XX/XX/XXXX certificate. When I called Ocwen last week to check if they had received the certificate, Ocwen confirmed that they had but that they were asking for additional insurance to cover any additional cost finishing the walls, etc. I asked them to explain why Ocwen had decided to start requesting for additional insurance when for many years the certificate of insurance from the condo association was enough. I was left waiting for a supervisor for more than XXXX minutes until the representative got back to the phone to tell me that someone will call me later. This new requirement is an additional financial burden placed upon me despite the fact that I have never being late with my mortgage payment even when my property was under water. My questions to you are the following : 1 ) Can Ocwen decide to up the insurance requirement from what has been sufficient for many years without a new law backing their decision? 2 ) Can Ocwen purchase this additional insurance without given me enough time to inquiry about the validity of their request? I thank you in advance your kind attention to this complaint and prompt response. XXXX
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2016-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No