Date Received: 2016-05-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen has not responded as to how they are going to rectify the fact that their mistake or lie, upon which we relied and made financial decisions, will cost us a considerable amount of money, more than {$85000.00}. Did they lie to keep us in the house at a time they were being investigated and did not want a foreclosure or deed-in-lieu? Their attorney suggested this. We stayed in the house with a non-recourse loan, spent {$50000.00} on it and it needs another {$60000.00} spent on it and did not move to a new home without {$90000.00} in negative equity because they told us we had {$85000.00} in forgiveness or equity. Then 2 years later, when asked for paper work they told us we did n't. This not just about money, but also heart break. By my calculations, today this deception would cost us over {$200000.00}. Where is our restitution? Is their a group or agency I can go to, to pursue this matter?
Company Response:
State: WA
Zip: 98036
Submitted Via: Web
Date Sent: 2016-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: In XXXX of XXXX your agency completed an investigation and entered into a Consent Judgment with Ocwen Financial Corporation and Ocwen Loan Servicing , LLC for unlawful conduct related to loan servicing and foreclosure processing.The purpose of this communication is to alert you to the fact that Ocwen has, to the best of my knowledge and belief, violated that agreement pertaining to one of the most significant restrictions in that agreement, i.e. : submitting forged documents in a judicial foreclosure proceeding. The history of our case is lengthy and not necessary to detail at this time other than there have been three attempts to foreclose on our home since XXXX and all have failed due to submission or public recording of a plethora of fraudulent and/or forged documents. The most recent attempt to foreclose was filed on XXXX XXXX, XXXX which contained exhibits and documents supplied by Ocwen as the loan servicer. Among the exhibits was an XXXX to the Note which had not previously appeared in the preceding foreclosure filed in XXXX nor did it surface in a Chapter XXXX bankruptcy filed previous to the XXXX foreclosure action. Despite Ocwen 's assurance to your agency ( as well as all of the Attorneys General listed in the Consent Judgment ) that they would refrain from using fraudulent or forged documents in foreclosure proceedings, Ocwen included this ( undated ) Allonge to the Note in this third foreclosure filing even though there should have been historical records available to them to verify the validity of the initials of XXXX XXXX Option One, on this very important document. My own diligent research uncovered what I believed to be XXXX XXXX actual initials and handwriting derived from her very own mortgage documents. I hired a handwriting expert to compare the initials on the XXXX to actual mortgage documents of XXXX XXXX and the conclusion was that it was not the same individual. Once I supplied this information to my attorney and he in turn supplied it to counsel for the Plaintiff ( XXXX XXXX ) just prior to trial, Plaintiff mysteriously and suddenly withdrew their complaint and counsel for Plaintiff also quickly withdrew their representation of Plaintiff. In addition to recording a forged/fraudulent document in a court proceeding, Ocwen continues to harass us by mail in attempt to collect a debt that was categorized in default at the time they ( or their predecessors ) obtained the account.
Company Response:
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I WAS CHARGED INTEREST ON A MORTGAGE PAYMENT TO OCWEN FOR XXXX OF 2016 WHEN MY MORTGAGE WAS PAID OFF ON XX/XX/2016.MY LOAN WAS PAID OFF SO NONE OF MY PAYMENTS SHOULD BE TO ANYTHING BUT PRINCIPLE AFTER XXXX. OCWEN CHARGED ME INTEREST FOR BOTH XXXX AND XXXX 2016. OCWEN IS A PREDATORY MORTGAGE SERVICING COMPANY RUN BY XXXX.
Company Response:
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) Robo-signing is illegal and has been outlawed in the State of New York. The Corporate Assignment of Mortgage being used to established ownership was robo-signed. XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX were not in business on XXXX XXXX, 2015, when the assignment was executed.
Company Response:
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX XXXX Ocwen paid my taxes and homeowners insurance when I was not behind on the payments, increasing my payments to an unaffordable payment. I struggled to make my payments and got behind. Ocwen had me apply home modifications to help make my payments affordable, three times, but they knew I would not qualify for a modification as I had a previous modification done in XXXX. My loan is only allowed one modification per the lifetime of the loan. I have been going through this for several months now. Now, they are saying my PITI payment is {$2000.00} with a breakdown of {$950.00} P & I and {$1000.00} of escrow, BUT my annual taxes are {$2800.00} which equates to a monthly amount of {$240.00} and they can not tell what the additional {$810.00} of my PITI payment is. They could not answer if I have forced placed insurance, but I have paid my own policy with XXXX and it has never lapsed. Please help.
Company Response:
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our mortgage company ( Ocwen ), after charging us an undisclosed fee ( without ANY written notification ) has emailed us a notice that they are moving forward with foreclosure procedure. This is despite the fact that we are current on our mortgage. In our 13 years with this mortgage we have never even been late on a payment. Even their phantom fee which they have charged us ( again, only verbally over the phone ) was not a full month behind their schedule when they sent us the letter. We reported some of their fraudulent activity in a past case ( XXXX ). However, their attempt to resolve the issue has taken a dramatic setback when their fraudulent activity and inability to deal with it in a timely manner is now going to cost my family a negative mark on our credit score and potentially the ability to purchase a house that we were hoping to offer on today. The primary reason for my suspicion that it will not be dealt with is their reputation. There have been XXXX of homes foreclosed on illegally over the past few years. As always, it has been very difficult to get anyone from the company to talk with you. I finally have the number of someone who can actually make a decision, but am now having trouble getting a hold of him.
Company Response:
State: CA
Zip: 96002
Submitted Via: Web
Date Sent: 2016-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been in my home since XXXX XXXX, faithfully paying my mortgage, did a refinance back in XXXX with XXXX XXXX, house value went up, doubling the worth of the home to {$200000.00} from its original of {$100000.00}. The mortgage industry crashed my home lost half its value. I have tried on at least 3 separate occasion to have the Mortgage service provider modify the loan to reflect the actual value, first attempt was in XXXX due a terrible car accident that had complications I knew I would be in trouble making payments. At that point XXXX XXXX XXXX ( XXXX ) had taken over my mortgage due to XXXX going belly up. XXXX drug out the process ( all documents attached ), giving me multiple redo 's for unsightly reasons, then finally said I qualified " in conversation '', sent me a XXXX letter saying " Let 's do one more round of paperwork, then 2 days later via another XXXX letter said sorry we sold your mortgage to Ocwen. Basically a 4-6 month process of delays to sell me off after all that work. I then tried with Ocwen, and they said sorry " Mortgage note owner ( which was XXXX ) do n't participate in HARP/HAMP '' or anything to help rectify the underwater situation. OK, that was harsh, they were rude, and either way, I got through my health crisis, caught up and then there 's NOW : I 'm still paying then XX/XX/XXXX I get a payment notice telling me they are doubling my mortgage. I call tell them I ca n't afford that, they ( Ocwen ) do same song and dance about " let 's see what we can do '' and then came back with the same " Sorry NOTE owner ( XXXX ) does not participate, and furthermore, you do n't qualify for any other assistance/consideration, as you are not behind '', and blah, blah, blah. Next they sent me the options of Deed In Lieu or Short Sale. I 've filed a complaint with the Attorney General 's Office, and was also instructed to file a complaint here. In summary, I have paid, missing the few months due to almost XXXX, over {$210000.00} over the past 14+ years, for them to take my home without reasonable negotiation. This is clearly ( to me ) unethical and un-American. What I want is to be recuperated correctly, have them fix the mortgage to rightly represent my actual value, and give me my credit for all these years of faithful payment as this is a mortgage, not rent. At this point, they have it so I owe over {$180000.00} on a home worth {$100.00}, and no credit of 14+ years of faithfully paying my mortgage. If they have it their way, I am out on the streets, credit destroyed for Foreclosure, Short Sale, or Deed In Lieu, and can not afford to purchase another home for some insane amount of time, for something as ridiculous as this. I will attach the documents showing some of the trail, and my most recent letter to the office of the president, and their response. I need you to champion this cause and get me justice as this is very wrong for multiple reasons. Thank you, and I look forward to your interaction.
Company Response:
State: RI
Zip: 02908
Submitted Via: Web
Date Sent: 2016-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I filed for a loan modification in XXXX. It was never processed. They restarted a foreclosure action in XXXX of that year and claimed they mailed a back-dated letter that I never received. I never had the ability to appeal nor was given any information about how I did not qualify. The servicer is currently barred from foreclosing, as of the XXXX, from the XXXX, and is proceeding anyway and nothing has been done to correct this error from XXXX nor from the same situation in late XXXX.
Company Response:
State: OH
Zip: 43065
Submitted Via: Web
Date Sent: 2016-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX, I contacted the Ocwen Consumer Ombudsman Department regarding the date of last payment for XXXX accounts XXXX and XXXX and requested full statements for these accounts. Ocwen sent me the requested information which reflected a last payment in XXXX, XXXX. I immediately forwarded these documents to the XXXX major CRA 's for deletion due to the 7 year statue of limitations ( XXXX, XXXX and XXXX ). The credit reporting agencies could not accept these due to these documents passed through a 3rd party ( me ) and the possibility of omission or alteration, which I can understand. I contacted Ocwen and made a request that they send the paper statements directly to XXXX, XXXX and XXXX ( under the advice of the CRA 's ). Ocwen stated that they communicate with the CRA 's only electronically. I stated to Ocwen that what they report electronically and the paper statements are different. Ocwen responded that they refuse to send paper statements to the CRA 's.
Company Response:
State: SC
Zip: 29063
Submitted Via: Web
Date Sent: 2016-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have applied for loan modification with Ocwen Loan Servicing back In XXXX of last year ( XXXX ). Throughout this process, they kept losing my documents and kept asking me to resend everything to them over and over again. They would make appointments for my relationship manager to call back and often they were either late or someone else who did not know much about my situation would call back. Every time I would submit whatever they have asked for I would get emails asking for the same stuff over again. Finally after taking over 6 months to process everything they told me everything has expired and I have to start all over. I had contacted them again and my Relationship Manager said : Dont you worry Sir, I will fill out paperwork again for you and all you have to do is esign it electronically. So that was done in the beginning of XXXX. Then I called her again and she told me everything is complete, it all looks excellent and you should get your modification within XXXX to 60 days. That is how we left it off. Needless to say I received XXXX letters from them shortly after : XXXX dated XXXX/XXXX/16 - Your File is complete and decision will be be made within 30 days XXXX dated XXXX/XXXX/2016 (!! 1 day later ) Your Loan Modification is denied because I did not show enough hardship???? - keep in mind their relationship manager filled out my paperwork in XXXX ( or somewhere off shore ) - and I have I have only XXXX options that they approved me for. ( short sale and deed in lieu of foreclosure ) XXXX letter dated XXXX/XXXX/XXXX (!! XXXX more day later than that ) - stating that Loan Modification is denied and there are NO OTHER options available As you can see, they have completely show here that either no one even reviewed anything in details ( XXXX letters in 3 days span ) or they have no intentions to grant modifications to anyone, never mind I was given illegal neg amort loan with robosigning and MERS. Yes true I received XXXX modification through HAMP before, but my spouse was XXXX after that and our lives were changed upside down after that event. She ended up having 6 months XXXX. This process required a lot money spent for co pays and services that were not covered by the insurance company. It is all better now and I am able to start making payments per terms of my original modification. However, OCWEN LOAN Servicing is acting in bad faith and not willing to even listen to me. I hope that CFPB can interfere and make things right here, I want to start making payments and put balance that I owe to the back of the loan. Please see what can be done!!! Thank you!!!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes