Date Received: 2016-04-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen misdated a foreclosure letter causing me to miss out ona deal to repair my fire damaged house. They also demolished a freestanding garage after foreclosure that was in very good condition, my insurance man valued it at {$20000.00}. This eliminated any equity in the sale. They also listed and scheduled demolision of buildings on a separate lot that I owned free and clear. {$5000.00} worth of tools were taken from an outbuilding on this lot.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am writing about Ocwen Loan Servicing , LLC . Ocwen aquired my mortgage loan from GMAC in XXXX XXXX. Without any correspondence with me, it immediately removed my hazard insurance policy and replaced it with one that was six times higher and overcharged my account by {$500.00} each month. In XXXX XXXX, I requested an escrow analysis and that my original hazard insurance policy be reinstated. My original insurance was reinstated. However, Ocwen continued to overcharge me for the next 12 months. At one point, there was a {$5000.00} surplus in my escrow account which it refused to refund to me. Recently, the surplus suddenly disappeared.
Company Response:
State: MD
Zip: 20020
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-27
Issue: Settlement process and costs
Subissue:
Consumer Complaint: XXXX is with Ocwen, initially I had gotten behind on one payment. I called Ocwen to attempt to work out a time when I could get caught up. I had the money and would have made three payments to get caught up. They added fees and refused to let me work it out when they calculated my monthly income, which by the way was enough to pay on my loan as I had done for years. I had an incident where I had a family emergency and got behind. I called to let them know I would make three payments set up two in one month and the third being the second month catching everything up. They refused to do that because I did not qualify, then I was told to fill out HAMP paperwork and set up an appointment with a relationship manager. All of this was unnecessary and they were unwilling to work anything out. it was impossible to communicate with them because everyone was XXXX and in another country. I had issues before and requested to speak with someone in the U.S. and that request was never granted. I went ahead and let the payments go because with the fees and them telling me I no longer qualified for a payment arrangement, I put the house up for sale to avoid a foreclosure. So as of XX/XX/XXXX we have been working with Ocwen on a short sale and I hired a realtor. Shortly after that we had an offer that we, the homeowners accepted. The offer than went to Ocwen. Around XXXX XXXX, they disclosed that we would have to use an auction platform before they would consider approving the short sale- this resulted in us losing the buyer that had been in contract for months. Our file went through XXXX rounds of Auctions with XXXX the first and second without any buyers. On XX/XX/XXXX Ocwen completed new values and sent this information to XXXX so they would know where to market the property. On XX/XX/XXXX we were advised that this XXXX round of auctions resulted in a buyer. We then proceeded to send in paperwork each month for bank approval. We were told in XX/XX/XXXX everything was proceeding nicely and that the principle loan holder, Ocwen, had approved everything. On XX/XX/XXXX we were then told that Ocwen declined the file because the offer was too low!!! They were the ones that sent the information to XXXX. See attached. On XX/XX/XXXX when our attorney 's spoke with Ocwen they denied sending any " numbers '' to XXXX to market the property, however you can see that they infact did. Then initially when using this auction platform THAT THEY REQUIRED, they said they would pay to do that. Now they are trying to tack on the XXXX dollar auction premium to the buyer 's side. They also stated they did not set the values and that is why they were declining, when they clearly did, and because of that they would not net XXXX-XXXX more than what they are receiving now. This file should have been approved months ago
Company Response:
State: GA
Zip: 31312
Submitted Via: Web
Date Sent: 2016-04-27
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 'm filing a complaint regarding a TILA REQUEST and OTHER REGULATION REQUEST UNDER Regulation Z I sent by certified mail and fax.ies My letter stated particular questions that they are required to respond As of today, I have not received a response. The only papers I received were regarding pre-foreclosure actions. Also while my mortgage was being paid through HOMESAFE of Georgia ( Federal government program to pay 24 months of payments for homeowners who are underemployed ) While accepting federal funds, Ocwen never mention that my loan should be reviewed for a principal reduction based upon the CFPB Consent Order. In particular my loan was effected because Litton Loan Servicing LP. Serviced my loan.. Since Ocwen is acting debt collector, and they have all my financial information from receiving government funds for 24 months of payments, I need tp obtain the TILA and regulation Z for a settlement of the loan. I 'm attaching the Consent Order, and the Certified Letter sent to Ocwen
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: An assignment of deed of trust was filed in XXXX County land records office in XXXX XXXX. The document was signed by XXXX XXXX as Assistant Secretary of XXXX XXXX XXXX, formally known as Option One Mortgage Corporation. Since XX/XX/XXXX, we have been asking American Home Mortgage Servicing XXXX Inc, now known as Homeward Residential, to provide evidence that XXXX XXXX XXXX, NA as trustee for Option One Mortgage Loan Trust XXXX was the owner of the note. Each time they sent us a copy of the note, it never included an allonge. But in XXXX, AHMSI presented an allonge that was blank and a later allonge that was stamped.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Several times this past year for example, Ocwen has sent notification of loan payment increases. Three times claiming to be for Escrow shortages. Once within two weeks. Now I get after sending in the amount, posted, now another increase. They seem to either can not add or subtract or are attempting to commit fraud by claiming false chargers.
Company Response:
State: MI
Zip: 48220
Submitted Via: Web
Date Sent: 2016-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Whom it may concern, My mortgage loan is servicing by Ocwen Bank. They sent me a letter with the notice my interest rate changing to 3.125 % ( old rate 2.875 % ) and payment will go up to {$2300.00} My current payment is XXXX and it 's increase by XXXX %, when interest went up only .XXXX %. So how is can be? Well it could be, if the loan is going in the full payment. I would like to get explanation, why do they do against the contract? As per contact that could be happening only after XXXX payments were made. The loan starts on XXXX XXXX XXXX, so it should happen only in the XXXX XXXX. All documents are attached. The second is interest rate : My most recent statement said ( also attached ) 2.875 % is good until XXXX XXXX XXXX. So it 's meaning the new 3.125 % is wrong? These people do n't know what they are doing? How many customer are same situation or just do n't pay attention what is said on their statements. Please take action and somebody got to be pay for the mistakes? I would like a get fix rate, that 's all I want. They are refusing me to do a loan modification for 5 straight years. ( including IndyMac ). Please help us we would like to keep our house, but it feels now, just would like a quit and wait for few years, and buy house with different bank. It 's sad when they have this " Helping Homeowners is What We Do! '' is complete opposite in the real life. Thank you XXXX and XXXX XXXX
Company Response:
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2016-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The ordeal with Ocwen continues. I called Ocwen this past Friday to ask for the status on my claim : i.e. pending delivery of my closing documents such as stock certificate, proprietary lease, promissory note, loan agreement among others to be delivered upon completion of loan payment. The representative who answered the phone ; XXXX, after placing me on hold for a few long minutes to research his system, indicated that there was nothing pending. There was no request for the closing documents anywhere in his system. When I indicated that I had received communications from XXXX and XXXX that they were expecting to receive the documents by XX/XX/XXXX ( day of my call ), XXXX did n't know who XXXX was and said that XXXX was at a different office. However, when I asked for his direct phone number, XXXX realized that XXXX indeed worked in the same office and transferred me to him. XXXX indicated that he did n't have any updates and that he would call me by Tuesday ( today ) to let me know where were them on the receipt of documents. He also said that they had hired an attorney to go after the documents from XXXX XXXX. When asked what had taken them so long to go after the documents they know or are supposed to know that they needed to deliver to me, he had no answer. How is that almost a year after the loan has been paid off, and Ocwen did n't know who the real owners of the loan are, who was the management company, etc. If I did n't state this on my last response, they would 've kept going after people I do n't even know. I strongly request that Ocwen release the closing documents they need to provide me upon receipt of full completion on loan payment and advise me when am I to receive them.
Company Response:
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2016-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage is with Ocwen Financial Services. After making payment arrangements they continue to call my approximately 15 to 20 times a month, up to 4 to 5 times a day. My mortgage is not in arrears. I have requested that they do not contact me by phone several times to no avail.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-25
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I put in a recession letter on XXXX XXXX, 2015 to all 'known ' associated parties on XXXX XXXX XXXX XXXX XXXX, NY XXXX, home. And CFPB. What I received was a run around that ended up with OCWEN. They reported that the home went through a foreclosure. Fabricated documents along with forged presumption were all through out this illegal foreclosure. Hence, why this rescission still stands.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2016-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes