Date Received: 2016-05-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received a letter from the Mortgage company stated that they 'll impose an escrow fee for me that will be on top of the regular mortgage payments for insurance that they needed to re paid back. I was surprised that all these 10 years, since I bought the property in XXXX XXXX, CA. No request or ideal as such came to my attention.Since the property that the mortgage company have the lien on was insured by the home owners association from the outside, I believed that it was sufficient for the mortgage company to be satisfied with.After I saw in my mortgage statements a new charge under " escrow '' description for : {$18.00} that I was questioned it since it never appeared before. When the mortgage company informed me that it was for inside insurance that they replaced on my expense, without my knowledge, I was very disappointed and surprised how could they automatically do it without my agreement to accept the new demand from them. I called to question this sudden extra new charge by them, and they explained that they 've sent me few letters to make an inside insurance to my property that they have the loan on, and I told them that no letter, came to my address with this new request. I 've asked them if they sent it certified in any time, and they could n't find any prof of mail sent certified. Therefore, I 've asked them to remove these extra charges from my account since I never received any request to do any of the inside insurance on top of the other insurance through the XXXX that I have for many years. They insist to charge me any way even though I already bought an inside insurance from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX and paid for it the whole year in advance. They still wanted me to pay for a previous letter ( that I never saw or received ) from XX/XX/XXXX until : XX/XX/XXXX. I told them that a demand like it seems very injustice and wrong to automatically impose on my bill. They still claimed that they could n't reverse these charges for me since they 've sent me few letters to pick an insurance company ahead of their start up charges time, and I said that I never saw nor received any of these letters that they supposedly sent. They keeping on charging me from the total mortgage statement bill these extra amount for the insurance that they called : '' escrow '' in their specific description and I feel that they should n't charge me for a new request that never came to my knowledge to buy, at any time ( XXXX years since I have the loan with them ) And reverse those charges back from my account. They refused to do so, even though they ca n't provide the prof of any of these letters that they mailed to me.I spoke with the customer service department on XX/XX/XXXX.They 've asked me to send them a fax letter to the research department to address this issue, and still they ignored my request.On : XXXX/XXXX/XXXX I spoke with : XXXX.I.D. # XXXX and she could n't help me than.So, I 've asked to speak with her supervisor : XXXX.I.D. # XXXX on the same day:XX/XX/XXXX and she asked me to fax her again the same letter that I 've already faxed to the research department before.But she gave me a different fax number, which I did fax to her while she was on the phone with me. She still could n't confirmed that she received my fax, even though I got a confirmation in my end that it was arrived to her fax # on the same day. ( XXXX/XXXX/XXXX ). She told me that she 'll call me after she 'll see it, and I never received any phone call from her back. I called again on the XXXX/XXXX/XXXX and spoke to : XXXX. I.D . # XXXX and she said that this charges ca n't be reversed or credited back to me.I feel that they way that this mortgage company acted toward me was in a bad faith, they discriminate me and imposed charges that are injustice on my account without my knowledge and it 's unfair and wrong.And against the law.Thank you for all your help in this matter to solve this long, exhausting issue.
Company Response:
State: CA
Zip: 92054
Submitted Via: Web
Date Sent: 2016-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have submitted a short sale with a purchase and sale with Ocwen Mortgage and they have lied to me and are taking way to long. I was told today that another BPO was requested and when I asked who is requiring a another BPO and I was told it was my mortgage insurance company. Which my reply was that 's not correct because I do n't have mortgage insurance on my current loan. The person keep repeating it was my mortgage insurance company. I then asked what is the name of the mortgage insurance company and I was told XXXX ( which I had them spell it to make sure I was hearing the person correctly ) I told them that 's funny because XXXX is my homeowners insurance and they do n't have a say in requesting a BPO or anything to do with a short sale approval. I called him a liar and then was told he would not talk to me anymore. I have sent a request to the short sale department to contact me. I will keep calling them until I get a direct and honest answer. This short sale process has been going on since XX/XX/XXXX. I was served with a NOD yesterday and I know exactly what they are doing. The bank came back with an approved bpo of XXXX and my buyer agreed and signed the required papers. I was informed on XXXX/XXXX/16 that the owner of the loan did n't accept the price. I was told by my relator on XX/XX/2016 that ocwen is requiring another bpo. they are suppose to call us for access if needed. they may assign exterior only. As of today no one has called me the owner or my agent. When I was talking to the short sale department today the person asked me who should they put down for a contact person. Uhm ... .they have my information and the agents. Today is XX/XX/2016 and no one has contacted me or my agent to give auth. to access my property. I am frustrated and this is not right. I and my agent have done everything they have asked and they are not doing what they are suppose to be doing. I need assistance with this matter. Last correspondence was dated XX/XX/2016 from ocwen saying they received a short sale submittal which is a little confusing. Because I have correspondence dated XX/XX/2016 that was a conditional approval, then XX/XX/2016 correspondence stating they received correspondence, then XXXX they receved a short sale request and are currently reviewing, then XX/XX/2016 received notice they denied the short sale due to owner of the loan did not agree to the discount amount that was submitted. Then my agent send the forms the buyer signed that acknowledge the higher price of XXXX on XX/XX/2016. Then I did n't receive a notice from my mortgage company that was dated XX/XX/XXXX saying it was in review. So what was done for XX/XX/XXXX? My agent talked to my mortgage company on XXXX/XXXX/16 which is when I was informed that the mortgage company is requiring another bpo. today is XX/XX/XXXX an the me the homeowner and my agent have not been contacted by anyone to schedule access to the property. So what are my rights??????????
Company Response:
State: WA
Zip: 98375
Submitted Via: Web
Date Sent: 2016-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Servicing LLC is attempting to steal my home. my name is XXXX XXXX XXXX,. They filed an assignment to XXXX BY NOMINEE on my home @ XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX using Document XXXX filed XXXX. I have been paying Ocwen since XXXX and Ive come to find out that they do not have a valid assignment, a right to payment, they have committed farud by unsing my personal information without authority. I have not entered into any valid agreement with OCWEN not its bank XXXX trustee for Popular XXXX or XXXX. I have since rescinded my signature.
Company Response:
State: MI
Zip: 49508
Submitted Via: Web
Date Sent: 2016-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-16
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I Was going through a divorce in 2011 and almost resources at the time had to go to my son XXXX XXXX XXXX at the time he was not doing to good at the time and my wife also commenced the divorce witch compounded his issues I had called GMAC LLC at the time and told theme I may be late on some payments they told me to stop making payments for 90 day so I could get a loan workout modification this went on for some time as they where soliciting me for a loan work out they where also conspiring to steal my home I also have evidence on there foreclosure documents they planted in the XXXX XXXX recorders office to commence the theft of my home or XXXX falsified/forged and tainted the title on the property they also never evicted us before sending in unknown strangers in our home before any trustee deed was ever recorded they claimed to be the new owners and have been busted by the city XXXX for changing my home from a XXXX bed XXXX bath to a XXXX bedroom XXXX bath with out permits and took out a pool permit win the home was still in my name I could no commence a legal action/proceeding at the time who I thought was the bank in my home at the time because again my son was having XXXX issues and other heath issues I was always in contact with the bank and in fact even though I was ordered to move out in XXXX 2011 so my son could stay in the home until the court proceeding was over and I thought the bank was going to give me a loan work out I was still able to pay almost XXXX a month for rent in a apartment and still made over a XXXX XXXX a year the bank lied to me and took my home from me and sold the home I believe to a insider for a lot less then my home was worth and went into my home illegally and took my life long positions and traumatized my son who I told the home would still be ours and myself they also slandered my credit witch kept me from owning a home for over years and they have not responded to me as required by law
Company Response:
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2016-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-16
Issue: Settlement process and costs
Subissue:
Consumer Complaint: This is an attempt to resolve matter of a false Security Deed that was recorded, executed and not Certified by XXXX XXXX XXXX on XXXX XXXX, 1999 by XXXX XXXX, XXXX XXXX XXXX. The Endorsement page states a title number " XXXX ''. XXXX XXXX can not locate that title number in there system. Ocwen does not have any enforceable interest in the Note/Security Deed and the loan was paid and not assigned as stated in the Satisfaction of Mortgage. The Security Deed and title are defective. This action came about when the Department of Justice entered into a Consent Order with XXXX XXXX XXXX for discrimination practices in XXXX and XXXX New York targeting XXXX females homeowners in low income areas. They were ordered to cancel all loans that were affected therefore there was no contractual agreement. I was a party in the civil action. I 'm attaching the Order from the Department of Justice. I sent a e-mail, fax and certified letter to XXXX XXXX XXXX to omit the Security Deed from the Real Estate Division of XXXX XXXX, New York .They have not responded. In Addition, I 've requested the Title Insurance Binder {$150.00}, Mortgage Insurance {$920.00}, Survey Endorsement {$93.00} and Endorsement XXXX and Waiver {$50.00} that was written specifically for the property. You can also request the information from the company as well to verify the information. Please forward information to me once you are in receipt of it. I need to obtain a copy the title certificate from XXXX 1999 thru present. My records indicate from the Satisfaction of Mortgage that the loan was not assigned, paid in full and discharged. I want all payments returned to me as quickly as possible Again, All payments ( Principal and Interest only ) totaling {$230000.00} and the surplus of our escrow need to be returned to us. Ocwen acted as a debt collector without verifying the validity of the loan from XXXX XXXX XXXX. The statute of limitations has expired. We also need to obtain a mortgage release from you 'll and have a title company to correct the error in the Real Estate Division Recorders XXXX County Office in New York. All documents supporting my position are attached for your review.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-17
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: Last week we contacted Ocwen regarding the account and the status of an upcoming foreclosure sale. The customer service rep for Ocwen stated that there was no sale pending and that information was being reviewed on a notice to correct an error. The representative talked about is going online to complete modification paperwork. When we went to Ocwen online we found that Ocwen already had some type of workout plan under review. I setup another appointment with a relationship manager to check the status of any workout or alternative to foreclosure that was under review by Ocwen. The scheduled appointment was held at XXXX today XXXX XXXX, 2016. The relationship manager stated that there was no pending sale and that modification documents would be sent out. Prior to the XXXX meeting the law office representing the trustee sent an email at XXXX stating that they were informed by Ocwen to proceed with the sale scheduled for Friday XXXX XXXX, 2016 at XXXX. While on the phone with Ocwen, I was not aware that the attorney had emailed a conflicting status. Ocwen has not responded to the notice to correct the error that was sent around XXXX XXXX 2016. Ocwen did send a letter stating that they will respond to the notice. Also Ocwen did not provide the status of what they reviewing as an alternative to foreclosure.
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2016-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is for the property in the Estate of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX KS XXXX. This estate is in probate and this has been approved by the court for me to purchase the property. I have Secured Title of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX Phone XXXX ) to manage this process. We had a mortgage pay off letter from XX/XX/XXXX, but the Title company obtained with my permission a new on XXXX XXXX XXXX. I have attached both of these items. We sent payment in full for the amount on the XXXX XXXX letter from Ocwen. Then On XXXX XXXX, XXXX, Ocwen contacted the title company stating they had not received the full payment but refused to send the documentation to the title company. The title company told Ocwen to contact me. I received 2 phone calls with nearly unintelligible messages and not form a number showing up in caller ID as Ocwen ( XXXX ). When I was able to determine that the word 'Ocwen XXXX was uttered in the second message I called the title company. The title company explained what they knew. I then called Ocwen and inquired. Ocwen stated that Ocwen had an accounting error and that the following things had been incorrect on the payoff letter 1 ) the interest was to high 2 ) there was a missing title search fee 3 ) that there was a missing foreclosure fee. I explained that we had paid the full amount of the XXXX XXXX pay off letter, which they have not applied to the mortgage. I also explained that I had never requested a title search and I would not pay for it. ( side note : if they provide a clear title search it is 100 % fake the title company can explain ) I also explained that it was not in foreclosure and could not go into foreclosure since it was an estate in probate. I was clear that I would be perusing legal means to clear this fraud on their part up. When they sent my new payoff letter over it also included a late fee for their mistakes.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2016-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Financial keeps claiming they have not received proof of insurance on our property. However, our insurance company has sent them proof via mail AND fax four times ( and they have n't submission confirmations for the faxes ). I have called Ocwen three times now and each time they say they do not have proof of insurance. I received certified mail from Ocwen today, saying this is the final notice before they purchase force placed insurance. This is extremely frustrating, as proof of insurance has been sent to them so many times over the last few months. Given Ocwen 's notorious history of fraud and abuse over the last three years, I would n't be surprised if Ocwen is intentionally " not receiving '' homeowners ' proof of insurance in order to make some money off the force placed insurance.
Company Response:
State: IN
Zip: 47401
Submitted Via: Web
Date Sent: 2016-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Case # XXXX I have been trying to get this matter resolved for over a year to no avail they claim that I have not paid the mortgage, yet they have accepted online bank payments and cashed checks, Then sent delinquency notices for the months that they cashed the checks for. they have repeatedly returned payments and I sent them back. There are payments that they did not return nor have been applied. They make collection calls yet it is a different person each time and they do not have my full account information. Many time it is very hard to understand them. They have falsely reported to the credit bureaus and HUD that I am not making payments. ..
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2016-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Excessive fees added to the loan.
Company Response:
State: IN
Zip: 46241
Submitted Via: Web
Date Sent: 2016-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No