Date Received: 2016-04-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The newest transaction history dated XXXX/XXXX/16 shows on XX/XX/XXXX : XXXX certified mail costs and XXXX property inspection fees, and a late charge for {$290.00}, but does n't show an increase in the Suspense Fund balance. These fees and charges were supposed to be credited back to me because of a mistake Ocwen had made. I received a billing statement dated XXXX/XXXX/16, which seeks to charge me {$340.00} for fees and charges all over again and another dated XXXX/XXXX/16, which seeks to charge me {$350.00} for fees and charges all over again while at the same time using the refund I was supposed to receive from the credit of those same charges to pay for itself in the form of Suspense Funds in the amount of {$2100.00}, which as stated in the letter from XXXX XXXX from Ocwen 's Office of the Consumer Ombudsman dated XXXX/XXXX/16, my Suspense balance being {$1800.00}, the application of reversing the funds posted to late charges ( {$280.00} ) and expenses ( {$59.00} ) to the Suspense account will provide a balance of {$2100.00}. So why is the Suspense balance {$2100.00} on XX/XX/XXXX, but on XX/XX/XXXX when the batch of XXXX fee transactions appear, it is {$0.00}. Also, according to transaction history provided by Ocwen, my Suspense Fund balance was never {$1800.00}, as XXXX XXXX states in her XX/XX/XXXX letter. It was {$2100.00} on XX/XX/XXXX and prior to that, on XX/XX/XXXX was {$3300.00}. Additionally, the description of the transaction states Late Charge Waived, but the transaction functions to re-charge the amounts rather than refund them. I am essentially being double-charged for something that should not have been charged in the first place. Attachment XXXX & XXXX : copies of the transaction history dated XX/XX/XXXX. Attachment XXXX : copy of the statement dated XX/XX/XXXX. Attachment XXXX : copy of the statement dated XX/XX/XXXX. Attachment XXXX & XXXX : copies of letter from XXXX XXXX. Attachment XXXX : copy of the transaction history from XXXX XXXX on XX/XX/XXXX.
Company Response:
State: CA
Zip: 95815
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received a letter from Ocwen 's Office of the Consumer Ombudsman. In the letter it is stated that " The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. '' How does Ocwen 's Office of the Consumer Ombudsman intend to provide assistance with unresolved concerns and issues if it follows the same script as Ocwen 's Customer Services and Ocwen 's Research Department? Should it do any of the research on its own or just repeat what the other XXXX offices are saying? It is also stated in the letter that " On XXXX XXXX, 2015, Ocwen received {$3300.00}, although it was {$0.00} short of the amount due ( {$3300.00} ) the funds were applied as the XXXX XXXX, 2015 payment. '' This is the same incorrectness as stated by Ocwen 's Research Department and the Escalation Managers in Ocwen 's Customer Services. Attachment 1 : my bank statement identifying the amount of the payment on XX/XX/XXXX was {$3300.00}. Attachment 2 : copy of my check to Ocwen dated XX/XX/XXXX for {$3300.00}. Attachment 3 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having received two payments from me on XX/XX/XXXX. One in the amount of {$1000.00} and another for {$2300.00} ( which by the way equals {$3300.00} ). Attachment 4 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$2300.00} and {$0.00}. Along with two other transactions from XX/XX/XXXX and XX/XX/XXXX. WHAT HAPPENED TO THE OTHER {$1000.00}? Attachment 5 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with seven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Attachments 6 & 7 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the payments from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with eleven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Company Response:
State: CA
Zip: 95815
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX, I received a mortgage loan modification from IndyMac, without ever receiving a legal/official copy of the modification or a call back to discuss the questions I had. I knew my modification was approved because my monthly mortgage statements reflected it. After the modification, my mortgage was transferred to Ocwen. Ocwen mailed me a notice of the loan transfer amount, deferred interest amount, and dates interest would adjust annually, maximum interest of 5.25 % in XXXX. I have since called Ocwen to request to speak to a rep regarding refinancing to a lower, fixed interest rate. I also called to request a copy of my mortgage contracts. I keep getting transferred and do n't reach anyone that will help. I have excellent credit and want to refinance to a lower fixed interest rate, but can not do so because lenders want to see the contract, not just a current payoff statement letter from Ocwen.
Company Response:
State: CA
Zip: 93933
Submitted Via: Web
Date Sent: 2016-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-29
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I am writing this letter to begin the process of filing a formal complaint against Ocwen Mortgage Company contact # XXXX. Ocwen Loan Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX WWW.OCWEN.COM We have been communicating with Ocwen for over 3 years trying to close a short sale which they continue to sabotage. XXXX XXXX, XXXX was the scheduled closing date for the short sale and XXXX did not remove the XXXX lien from the title to close the loan. XXXX XXXX, XXXX we were scheduled to close and Ocwen again did not remove the XXXX mortgage from the title. Then on XXXX XXXX, XXXX I spoke agent ID XXXX XXXX and he explained that there was an " issue with the title '' and the information that is needed to clarify this will be emailed to me and the broker within 24 to 48 hours. XXXX agent ID XXXX then called again on Thursday XXXX XXXX, XXXX and said the request to send the email was not done ... .then on XXXX XXXX, XXXX spoke to XXXX again and he said he would need to transfer me to XXXX in the research department who then stated that she would need to place on several holds and then came back with the same information that there is " an issue with the title '' and the legal department is now handling this and they will be emailing us instructions within 24 to 48 hours. I am trying to paint a picture of the level of sabotage that is going on to try and prevent the short sale from taking place over the past 3 years. Phone calls and emails similar if not worst to this one has been occurring between myself and Ocwen, Ocwen and the broker and Ocwen and the buyer. We are all ready to close this short sale and they continue to do everything they can to transfer and delay the closing and in the meantime continues to file paperwork to foreclose the home. As the seller of the property I am asking for further assistance in dealing with Ocwen as someone has to be in charge of regulating them so they can not continue to sabotage a short sale by not providing the necessary documentation to close the sale. Ocwen has repeatedly not provided the necessary documents to move forward with the sale. Everyone including the attorney, buyer, broker, agent and myself have always been ready prepared to close this short sale and Ocwen conveniently finds a reason to not provide the documentation which in this case is to remove the XXXX mortgage from the title to close. I was informed by your customer service department to file a separate complaint for each mortgage the second mortgage I am referring to in this complaint will be filed separately. The second mortgage is a HELOC-Home equity line of credit.
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage on my home is serviced by Ocwen. I believe Ocwen is ripping me off. I have a thirty year mortgage with an initial loan balance of approximately {$150000.00}. After making twelve ( 12 ) years of payments, my current loan balance is approximately {$140000.00}. Where have all of my mortgage payments gone? Ocwen has added huge fees to my account and refuses to correct the balance. Also, my escrow account is incorrect. I completed a personal bankruptcy and repaid everything 100 %. The Judge in my case declared my mortgage account and escrow completely current. However, Ocwen says I have an escrow shortage of over {$3000.00} even though I made all of the required payments in full and on time. Ocwen refuses to correct my escrow account for almost a year. Ocwen is trying to run me out of my house by incorrectly increasing my payments to cover the incorrect escrow shortgage. Furthermore, Ocwen violated the Fair Debt Collection Practices Act in Court. My mortgage loan balance is incorrect. Ocwen appears to have added huge amounts and fees to my loan balance even though I have been paying on my mortgage for twelve years and I am current today. I have been working with OCWEN for over a year now and I can not get my mortgage account and escrow account corrected.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2016-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX. Ocwen mailed to me old paper work in regards to my current mortgage with the incorrect monthly amounts, the incorrect promissory note, which they are stating it is {$100000.00} which is a fabricated lie. I have the new mortgage which was redone by XXXX nearly two years ago with the new interest rate which is Fixed, the new amount which is under {$57000.00} dollars and a new monthly amount. I am requesting an investigation of the business practices of this company, which has systemic problems in providing me with correct information, etc. The old mortgage was signed by me in XXXX. Ocwen mailed me outdated documents. I mail my monthly payments to the XXXX XXXX XXXX, XXXX office. The Ombundsman XXXX XXXX mailed me a copy of the old outdated mortgage. XXXX out of XXXX XXXX, XXXX is out of the business. They gave me a fraudulent subprime loan and promised to work with me, if I paid on time for one full year. Ocwen regular monthly payment is {$440.00}.
Company Response:
State: FL
Zip: 33870
Submitted Via: Web
Date Sent: 2016-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Good Afternoon, Loan # XXXX My name is XXXX XXXX XXXX and my mortgage company is Ocwen Loan Servicing , LLC . I am in the process of short sale on my property, XXXX XXXX XXXX, XXXX, MD XXXX. My mortgage company scheduled a foreclosure date on XXXX XXXX, 2016, after my documents were forwarded. All literature that was forwarded indicates that there is a thirty day time frame allotted for the short sale process. They have a short sale scheduled for XXXX XXXX, 2016 but the documentation deadline was XXXX XXXX, 2016. I faxed my documentation prior to XXXX XXXX, 2016, therefore, the turn around time should be XXXX XXXX, 2016. My real estate broker is XXXX XXXX of XXXX XXXX and his contact number is XXXX and my title attorney is XXXX XXXX of XXXX XXXX and her contact number is XXXX. My broker and title agent have been trying move forward on the short sale, however, Ocwen seems more interested in foreclosing on the property. The property is on XXXX and there is an offer on the property but Ocwen is not counter offering, there is no BPO being done, nothing. My contact number is XXXX and I appreciate any assistance that you can offer regarding my situation. I know time is of the essence and I have been utilizing all my resources. My hope, counselor ( XXXX XXXX ) suggested that I reach out to you regarding this matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2016-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX, XXXX - XXXX XXXX, XXXX We filed a complaint of discrimination/Race [ XXXX ], against OCWEN Loan Servicing LLC, XXXX XXXX, XXXX. We filed for mortgage loan relief XXXX XXXX, XXXX. That 's when we discovered OCWEN was indicating they had control of the note. During the same time period, on XXXX XXXX, XXXX, the Department of Justice announced the Federal Government and State Attorneys General Reach an XXXX Agreement with the XXXX Largest Mortgage Servicers to Address Mortgage Loan Servicing and Foreclosure Abuses, in which OCWEN was a named co-defendant [ see OCWEN attachment ]. OCWEN 's behavior was under scrutiny for homes that were sold or taken in foreclosure XXXX XXXX, XXXX thru XXXX XXXX, XXXX. Violations include servicers ' use of " robo-signed '' affidavits in foreclosure proceedings ; deceptive practices in the offering of loan modifications ; failures to offer non-foreclosure alternatives before foreclosing on borrowers with federally insured mortgages ; and filing improper documentation in federal bankruptcy court. Mortgage servicers are required to fulfill these obligations within three years. To encourage servicers to provide relief quickly, there are incentives for relief provided within the first 12 months. Servicers must reach 75 percent of their targets within the first two years. Servicers that miss settlement targets and deadlines will be required to pay substantial additional cash amounts. During this time period, OCWEN was doing the same offenses to me and my family, while trying to keep a low profile as not to show up on the United States Department of Justice 's Radar. The following is a short list OCWEN 's wrongdoings : 1. We never signed a mortgage agreement/note with OCWEN Loan Servicing , LLC . 2. We never received the official turned down 's on the companies letterheads stating we were in fact turned down or did not qualify. 3. We did not receive any correspondence under " Truth in Lending '' that OCWEN Loan Servicing , LLC had acquired our loan without notice to us in writing. 4. OCWEN used XXXX ( XXXX ) non-english ( first language ) speaking relationship managers, that acted like they could not discern between " XXXX and XXXX '', which delayed processing our application by weeks. 5. XXXX XXXX HUD 's primary investigator assigned did not know what and immediate eviction notice meant. I have his statement in writing. 6. XXXX XXXX HUD 's primary investigator 's supervisor verbally attacked me on a phone conversation summarizing " I was a trouble maker, wanting something for nothing, low life with issues, etc. '' I have emails to XXXX HUD responding to the unprofessional behavior of that supervisor 7. After multiple attempts to strong-arm my family into signing a modification, which would legally give OCWEN control of the note, XXXX HUD switched their ploy, into requesting homeowners insurance that had nothing to do with our complaint, which we objected to giving for that reason. 8. We received a letter, dated XXXX XXXX, XXXX, from XXXX XXXX XXXX, Regional XXXX Director, Office of Fair Housing and Equal Opportunity, stating the investigation was completed and the complaint dismissed, stating ; " HUD has determined that no reasonable cause exists to believe that a discriminatory housing practice has occurred ''. I find that interesting, due to the fact we were never allowed to give our side under the " auspices '' of the investigation, of what had occurred. We have the emails that state though facts to relevant and credible parties, including XXXX XXXX XXXX, HUD OIG who did not answer our inquiry as to the 100 day estimation of how long the investigation would take, ran over a year. 9.Furthermore, OCWEN Loan Servicing , LLC conspired with XXXX HUD to ensure they would not be found guilty of discrimination. see Addendum
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2016-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: i am 27 days behind on my mortgage because of trying to get clarity on what i owe so i called ocwen sunday and wednesday to find out what i owed.before i called i went on the internet and they said i owed XXXX dollars and on the automated call it said XXXX dollars.I called the relationship manager XXXX XXXX and he said that i owed XXXX dollars and i called relationship manager Somya XXXX and she told me at first XXXX and then XXXX.I asked for a breakdown from XXXX XXXX and was told that my basic mortgage was XXXX but i had late charges of XXXX and i had a suspense payment of XXXX XXXX cents which is called unapplied funds.I paid XXXX and a XXXX late charge.he told me that because i owe late charges my late charge doesnt count it goes to unapplied funds.he told me that not only do i owe late fees but i owe XXXX cents of miscellaneous charges in which he says could be anything from property inspections to whatever to certified mail in which i dont receive.I dont have to know that they are doing a property inspection they just drive by and then charge me.when i called last month the relationship manager told me to pay XXXX and late charges XXXX.I was told by XXXX and XXXX that if i dont pay the full bill it will get higher and higher.This is what they do adding on extra cost and extra charge until i be in foreclourse.NO CLARITY
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is in addition to complaint # XXXX against OCWEN Loan Servicing LLC . They have just sent me a letter threatening foreclosure on my home if I do n't pay a disputed accounting failure on their part. No specific date or month of the bill was mentioned ... .absolutely no specifics were mentioned just an extortionate threat to pay. I would gladly pay my bill only if they ( OCWEN ) could provide a definite hard copy bill of month and year in question .So far they have sent computer print outs with numerous omissions ... .I have signed up for their payment conformation program and they have not sent me a conformation in 3 months. This is a unscrupulous company running out side of the USA ripping off and strong arming / exhorting millions from it 's clients.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2016-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No