Date Received: 2016-04-15
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen purchased our mortgage in XXXX XXXX. We made our payments through XXXX XXXX, but our XXXX statement raised the payment from $ XXXX to $ XXXX, supposedly based on escrow. We contacted the company and were told the only way to fix the escrow was to apply for a loan modification, which we did. From there, things went from bad to worse. After months of submitting paperwork and proving our ability to pay and proving the actual escrow owed and legally due, Ocwen denied the modification, declared us in default and served us with a foreclosure notice in XXXX XXXX. We filed a Chapter XXXX bankruptcy to stop the foreclosure. As our home was also our business ( a traditional bed and breakfast ), these actions affected not only our financial status ( legal fees, etc. ) but also our ability to continue to operate our business. We wound up selling the home in XXXX XXXX. Our original loan amount of {$470000.00} was repaid {$650000.00} by the time Ocwen added fees, penalties and other charges to the final amount. We attempted, through our lawyer, to get a lowered payoff and to dismiss some of the fees and charges, but Ocwen 's lawyer refused to cooperate. We have suffered tens of thousands of dollars in damages, all because Ocwen and its representatives lied to us, manipulated us and cheated us on a mortgage for which we had never missed a payment since XXXX XXXX. The XXXX lawyers we consulted all told us our only option was to file a Chapter XXXX, and it appears that may have been a mistake. But we contacted the Nebraska XXXX, the Nebraska XXXX, the XXXX XXXX and even the XXXX to try to find assistance in resolving this without selling our business and our home. The original escrow discrepancy was never resolved, even with a court order for Ocwen to produce the paperwork proving its why the escrow jumped more than {$2000.00} per month. Such paperwork, to our knowledge, was never submitted to the court. We have a detailed chronology of our interactions with Ocwen, along with mountains of paperwork requested and submitted. When Ocwen purchased our {$470000.00} mortgage, our home appraised at {$820000.00}, and this was clearly nothing more than a bold-faced attempt to steal our house.
Company Response:
State: NE
Zip: 68106
Submitted Via: Web
Date Sent: 2016-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-15
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: many years ago a mortgage broker defrauded my mom and i by putting her on the mortgage and me on the deed, ,this is my home not hers and it was my down payment..after years of attemptong to correct this error the loan was taken over by ocwen who eventually let me assume my oqwnloan and gave me a huge ballon payment and to make mattters worse they wrongfully reprted to the credit agencoies that i missed XXXX payment when my name wasonly put on the mortage 4 months ago ... ... because of this i was denied a loan for an apparatus that i need for a XXXX child that the state will not cover ... so far they have not corrected their error
Company Response:
State: NY
Zip: 11756
Submitted Via: Web
Date Sent: 2016-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: False claim or representations violation co-conspirators were and are a debt collector under the FDCPA. Ocwen loan servicer Attached by XXXX XXXX of the office of ombudsman team at ocwen loan servicers claims that my loan was originated by XXXX and attached lost note affidavit to support it claims which is false. MY loan was originated by XXXX XXXX XXXX. This a matter of Public concern which ocwen loan servicing LLC and its con conspiracy XXXX, XXXX XXXX under the control of XXXX XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX. Indecome global services, XXXX XXXX, XXXX, Ocwen loan servicing LLC . XXXX frivolous lawsuit is nothing more than an invalid effort to harass and intimidate me in Violation of Federal and State statutes and, in addition, common law torts, including fraud, in Connection with foreclosure actions prosecuted by debt collector XXXX XXXX XXXX .ON Tens of Thousands of XXXX Foreclosure Frauds Orchestrated by 'Foreclosure Mill ' Attorney & Banks '' ( co -conspiracy ocwen loan servicing XXXX XXXX, XXXX , XXXX law firm XXXX were acting as debt collectors " pursuant to federal law '' as a collection agent for XXXX is actually representing XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fka XXXX as successor to XXXX XXXX XXXX XXXX as trustee FOR ramp XXXX and ocwen loan servicing, XXXX same services same as XXXX ) XXXX president ( indictment ) XXXX XXXX as attached she admitted to the types of activities that XXXX, ocwen loan, XXXX XXXX, XXXX XXXX are involve in around the counties around XXXX .see attached A XXXX search produces numerous articles and blogs referencing XXXX, XXXX, ocwen loan servicing robo signing, back dated documents, fraud documentation participation in the foreclosure crisis in XXXX in Associated with ROBO signing. XXXX XXXX XXXX LAW FIRM are attorneys who knows better, yet their foreclosure filings for parties who have no standing to sue confuse the courts and homeowners while he and his banking clients con conspiracy bank profit tremendously by throwing people on the streets. - '' Courts have rules and laws are made to be followed. XXXX XXXX needs to follow the rules and be accountable just like the rest of us, else we 're all victims to one big XXXX XXXX scam. '' - '' This is the biggest fraud in history, and it 's being done by the attorneys. ( XXXX XXXX XXXX The banks would n't be able to do it without the attorneys, '' ( XXXX XXXX XXXX law firm XXXX, XXXX, XXXX XXXX, XXXX XXXX ) - " These attorneys are not acting like attorneys. '' - " Theyre making up their own rules, and thats what frauds do, '' ... '' They 're just making stuff up. '' XXXX XXXX XXXX assignment fraud XXXX XXXX fraud assignments alphabet soup non existence `empty trust Photo shop mortgage note ( counterfeits checks, money " The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. )
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2016-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am getting charged insurance on a VA loan that already has insurance on it.
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2016-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-15
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: For the past 3 years I have been trying to apply for a loan modification. The company refuses to give updates when you call. They make you schedule appointments ( run arounds evasive ). The website clearly shows the documents are uploaded and the a gens confirm receipt of the documents but then they say I am still missing information. In the past 3 years that is the only answer from them is something is missing and I need to send pay stubs again. every month that goes by I send more pay stubs and then they say a letter is being sent in the mail but all it is, is the modification application again.
Company Response:
State: PA
Zip: 181XX
Submitted Via: Web
Date Sent: 2016-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-14
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: I became deliquent on my mortgage as of XXXX XXXX, 2015 ( the last payment. The tenants had moved out and we missed the XXXX and XXXX payments. As of XXXX/XXXX/2015, Ocwen ; the mortgage holder ; proceed to send what they call a knocker to the door. When they discovered no on there, they proceeded to begin vacancy proceedings. They did not contact the number that I updated with them in XXXX of 2015. Meanwhile on XXXX/XXXX/2015, Ocwen assigned XXXX to come in and " winterize '' the property. I had already done this on XXXX/XXXX/2015. This house was listed for sale under a Realtor. XXXX then stacked all of our belonging into the middle of each room. The house had been staged for sale on XXXX/XXXX/2015 and XXXX/XXXX/2015. XXXX then proceed to padlock the entrances to the home. The house is now under contract for sale. When, we sent people to the home to ready it for the pending sale, the pipes had burst, there were muddy footprints all over the carpeted floor, and cigar butts on the linoleum in the a joining kitchen. XXXX claimed no responsibility and referred us to Ocwen, our mortgage holder. Ocwen claimed that they would not send someone into our home before 90 days delinquency. When this all began, I started the modification of my mortgage with this lender. I repeatedly sent them the documentation they requested and they repeatedly needed more documentation and phone call meetings. It has been 4 months now and they are still telling me I did not submit the right paper work. I believe they are dual tracking me. Trying to delay in order to foreclose. Help
Company Response:
State: RI
Zip: 02879
Submitted Via: Web
Date Sent: 2016-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: false statements or representation fraud under the control of XXXX XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX. " This is business as usual for all the big banks, '' XXXX said, referring to the manufacture of mortgage documents out of whole cloth in order to establish legal standing to foreclose on homes. The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. This is exactly what the XXXX appellate judges said when I listened in on an appeal -- that they had several occasions in which on the same docket, XXXX completely unrelated parties both claimed to be the holder of the original note and both claimed to have the right to foreclose. The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. XXXX XXXX XXXX XXXX as attached she admitted to the types of activities that indecomm global services are involve IN around the counties around MARYLAND XXXX XXXX XXXX XXXX as attached she admitted to the types of activities that indecomm global services, con conspiracy XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators as attorneys debt collector for Defendant XXXX ' member XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NA as successor to XXXX XXXX XXXX XXXX as trustee FOR XXXX XXXX????, ocwen loan servicing mortgage ( assignments from indecomm global services and claim are worthless. ocwen loan, jp morgan, XXXX are involve IN around the counties around MARYLAND
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2016-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-13
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. I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed by serial robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX, XXXX publicly went out of business in XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX when the Assignment of Mortgage was recorded and filed in XXXX County Clerk 's Office.
Company Response:
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2016-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: For the past 4 years my mortgage company Ocwen Loan Servicing LLC has been sending me notices for escrow shortages. I always pay the escrow shortages to avoid a change in my mortgage payment amount. They send me notices stating that if I pay the escrow shortage my payment will remain the same, if I do n't my payment will be a higher amount. After I pay the escrow shortage they are supposed to perform an analysis after receiving the escrow shortage payment that will keep my payment the same without charging me for the escrow shortage ; however this is NEVER done. They in turn, automatically take out a higher amount for 2 or 3 months until I call and call and call regarding their mistake. THEN they make me wait 30-60 days before correcting the problem, but they never refund me the extra money they took, even though I paid the escrow shortage.
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2016-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In my original claim, CFPB and Ocwen addressed my complaint by focusing on the paper work and what the loan modification read. The deferred principal and loan modification are key parts, but this is about errors, lies and deception by Ocwen Loan Servicing LLC, to keep us in a house that was underwater. We relied on the deceitful information Ocwen sent us, upon which we made financial decisions, that damaged us financially. This is a claim and a complaint against Ocwen Loan Servicing LLC, not against the loan or a question of what is written in the modification documents. The original loan servicer, XXXX, convinced us to go into foreclosure in XXXX to get a loan modification and in XXXX, XXXX that happened, which increased our loan over {$40000.00} from an original amount of {$330000.00} to over {$360000.00}. We filed bankruptcy in XXXX XXXX and the loan became non-recourse. Ocwen took over the servicing and in XXXX, XXXX told us in writting that {$85000.00} of the loan could be forgiven, not deferred. The house was about {$90000.00} underwater, needed a lot of repair and we would have given it back, non-recourse and started over. Their own attorney stated " the statements were intended to encourage you to continue to make timely payments, which is exactly what you did '' and stay in the house and spend money on it, thinking we had {$85000.00} in equity, at a time there was negative equity in the house. Two years later, upon my request for paper work, Ocwen told me the {$85000.00} was not forgiven and since that time they have been delaying and passing us around in an apparent attempt to get us to go away, get frustrated or get more value for the house in an improving market. They also were very eager to provide documents for a deed-in-lieu of foreclosure. We lost everything in the recession, had to go through a loan modification that increased our loan over {$40000.00} from the original amount, filed bankruptcy, my wife was given XXXX, my father-in-law was going through a divorce at XXXX, our house needed a ton of work and I am XXXX XXXX XXXX with no XXXX. There were other opportunities out there for us to start over, rather than be at least {$90000.00} underwater, which this house was. In terms of financial damages, in XXXX XXXX our house was still about {$90000.00} underwater and it made sense to give it back if the {$85000.00} was not forgiven. Ocwen confirmed that the {$85000.00} was forgiven in the letter dated XXXX/XXXX/XXXX. We have spent over {$50000.00} on the house with the assumption the {$85000.00} was forgiven and it still needs about {$60000.00} more spent on it to get to what Ocwen claims is the fair market value. Then we would still loose about {$60000.00} plus opportunity cost of a new house of at least {$140000.00}, without the {$90000.00} loss. My math says that is about {$250000.00} and damages. Is there any program with CFPB or the regulators, that can help me pursue this claim or do I need to involve my attorney? Thank you for your time, XXXX XXXX
Company Response:
State: WA
Zip: 98036
Submitted Via: Web
Date Sent: 2016-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No