Date Received: 2016-04-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: Cancellation of Debt Form XXXX for {$30000.00} was sent to IRS for XXXX. The property involved was discharged in XXXX. I have enclosed copies of my Chapter XXXX Bankruptcy.
Company Response:
State: WA
Zip: 98310
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 servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been reported to credit bureaus by OCWEN Loan Services LLC for being late ( over 30 days ) .. I immediately contacted OCWEN last year after seeing that they had reported my XXXX 2015 payment had been reported as more than 30 days late. They promised me they would correct this. It is still there! I have verified with XXXX XXXX XXXX that the mortgage payment was paid electronically one day later. This is within the period ( before XXXX XXXX ) that payment was to arrive to be considered ontime.
Company Response:
State: CA
Zip: XXXXX
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: Ocwen holds the XXXX mortgage on my condo. I fell behind in my payments due to my income being reduced by more than XXXX %. I have been trying to work with them on reducing my payments. Each time I call my relationship manager, they are never available and whomever I speak with does n't take me seriously and are not helpful. I tell them I do n't understand why they are unable to reduce my payments and work out a repayment plan. The last time I spoke to someone regarding a repayment plan, he said he would send me an email for me to accept the arrangement. I never received an email nor did they call. I 've followed up with Ocwen on numerous ocassions and am still trying to speak with my relationship manager. I feel as though Ocwen is bullying me and are not trying to help me keep my home. I 'm not sure if it is a language barrier as everyone seems to be in XXXX. They are not a consumer friendly financial institution. They never mention anything about President Obama 's housing programs that you hear so much about to assist homeowners. I 've worked very hard for my home. Since my income was reduced drastically, I 've done everything I can to get this worked out.
Company Response:
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2016-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Homeowners servicer has held homeowner in extended processing, not evaluating documents properly. Homeowner submitted 3 three RMA applications requesting modification for RMA request for mortgage modification assistance. Homeowner filed all required documents required with the RMA applications. Homeowner has provided all required documents to the servicer. Upon the third denial for RMA, the servicer disclosed that the homeowners SS number did not match. The servicer knew all the time that on the request for modification three previous times, only to be denied. Servicer has commenced double tracking while homeowner was acting in good faith, qualified for modification and eligible. According to NPV Report from the Treasury Department ; under the DOJ/ XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement. Servicer is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified. This homeowner, feels that their case has been unfairly treated for the following reasons : 1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. How can we work with our SPOC, when we can even talk to them, do n't return calls. 2. A Single point of contact was assigned ; calls were made to the point of contact : no calls were never returned. 3. Servicer has held the homeowner in extended process in bad faith. 4. On the most recent RMA third application : all requested documents were provided and denied again on XXXX. Homeowner has confirmation via fax that documents were received by Servicer. Homeowner has filed an appeal within this solutions on XXXX. 5. Homeowner has found errors in data used to calculate the NPV Result created by Servicer. The errors used would cause a false result in the NPV Results in the following : A ) wrongfully data input for property value. Input used is a 1 year forecast of {$320000.00} ; current value is {$200000.00} as per recent sales in XXXX, and B ) Imminent default flag wrongful input : was selected " XXXX '' for not being over 2 months late, when NPV Results clicked was 28 months late at time of data collection date of XXXX/XXXX/2016. C ) Homeowner has an excess of income of {$500.00} after all expenses paid. D ) the INVESTOR HAS INITIATED FORECLOUSURE PROCEEDINGS. THE BASIS OF DENIAL IS BASED ON WRONGFUL DATA INPUT : these XXXX points are causing a state of confusion and terror to the homeowner. 6. Homeowner is in a state of fear created by the " fear '' collection tactics by SERVICER and the Loss Mitigation Department harsh collection tactics. 7.The Banks ' failure to discharge their required loan modification obligations, during homeowner 's honest attempt to save their home from foreclosure. Alleged violations, included, but are not limited to, the following : a ) failing to inform homeowner of the identity questions in the 1st application, ask for proof of identity. b ) failing to manage processing agents and special points of contacts, therefore causing a processing center unable to handle homeowners case loads, a form of mortgage discrimination against homeowners. C ) Homeowner is officially filing an appeal on the denied RMA application dated XXXX/XXXX/2016 based on wrongful data errors on the NPV Results dated XXXX/XXXX/2016. D ) ask for a copy of the NPV Report E ) Ask for the name of the investor group that holds the note.
Company Response:
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2016-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We applied for a loan modification in XXXX 2015 and we were denied in XXXX 2015 for insufficient income. A reduction in the principle was not considered which would have qualified us with the income that was submitted. Home was foreclosed in XXXX 2015 and an income increase was submitted also in XXXX 2015.
Company Response:
State: AZ
Zip: 85737
Submitted Via: Web
Date Sent: 2016-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I formerly had a loan with Ocwen mortgage. They have reported on my credit report that I was 30 days late in making a payment. I have called them multiple times to have it removed ... they do not ... I have been promised calls back ... I have not received any. The issue occurred in XX/XX/2015. They had just completed an escrow analysis ... it was incorrect. I had just switched insurance ... they were assessing my escrow account as if I were paying both insurance companies ... I called them to correct it ... and to let them know they actually owed me money. I received the usual run-around from them ... and their call center in XXXX. During the dispute, I called and told them that I was not going to be paying the additional amount because of the faulty escrow analysis ( about {$90.00} per month ) ... because this problem should n't have persisted so long ... and, that they owed me nearly {$2000.00}. Finally, in XX/XX/XXXX everything was resolved ... they sent me a check of nearly {$2000.00} and reduced my payment ... it took several months to rectify. It is almost unbelievable that they are now stating that I was late greater than 30 days ... for {$90.00} ... when they actually owed me {$2000.00} at the time ... and, the fact that they wo n't remove it ... and, I am unable to speak with anyone in this country with authority ... ridiculous ...
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2016-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-12
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I purchased this home as my principle resident in XXXX with another lender, shortly after closing Ocwen became the servers of the note. In XXXX XXXX I made arrangements to pay my XXXX tax in monthly payments of {$260.00} with the Tax Assessor office. Later I get this notice from Ocwen that they have paid my tax for XXXX and XXXX. I told Ocwen of my payment arrangement and that my XXXX tax was not due. They created an escrow account to pay my tax and ins. I never had an escrow account during the life of this account. My mortgage payments went from XXXX.to XXXX in a pass due notice date XXXX/XXXX/XXXX. I never stop making my monthly payments of XXXX. Each time I would may a payment they would suspense the payment instead of applying to the loan. Ocwen called me about this late payment I paid over the phone and again on line thru my on line banking resorting in an over payment in XX/XX/XXXX. The record show I send my XX/XX/XXXX payment on XX/XX/XXXX Ocwen rec 'd on XX/XX/XXXX.. My current statement dated XXXX/XXXX/XXXX show an increase in payment from {$670.00} to $ XXXX.due to an interest increase from 6.60200 % to 7.25000 % with no explanation.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2016-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have been dealing with Ocwen Mortgage for approximately 10 months regarding an equity line that matured in XXXX XXXX. They have been sending correspondence for payment of the entire line. Unfortunately we did not realize that we had to pay the entire amount of the line in ten years so we were surprised to get a payoff letter. However, the balance owing was very high and we questioned it. We asked numerous times for copies of the checks written against the line. We requested on the phone and we requested in writing. Sometimes we were told on the phone that they could n't provide that. Other times we were told to contact their Research Department. We did contact the Research Department by phone and mail and all we ever received from that department was letters in the mail saying we have received your request and will get back to you. They never got back to us addressing the issue or providing copies of the checks. We just continued to get the same form letter saying that they received our request and it typically takes 10 days to respond but if not, they would respond within 30 days. Never once did they reference the reason for our request nor address our request. We received numerous calls from Ocwen from different people and they all say the same thing and they never addressed the specific concern we had. Finally, about XXXX of this year we received a call from Ocwen and this woman was very nice and seemed to be interested in what we were saying. I advised of our many attempts to get copies of the checks written on the account. This woman said she could do that and put me on hold. She came back and said it was XXXX pages and she was sending them to me. She did send copies of the checks. We added up the checks more than once and they amounted to {$100000.00} ( $ 500+ ). The amount showing owing at maturity was $ XXXX. We asked for a reason for the discrepancy and after a number of requests they finally responded and advised that the loan was transferred to them from XXXX Mortgage XXXX XXXX XXXX in XXXX and the amount of the loan at that time was {$190000.00}. I do not know who XXXX Mortgage is.. We never withdrew money on the account from a bank or ATM. We only wrote checks and when the checks ran out, we did not order any more. The same woman we had spoke to before at Ocwen happen to call again and she confirmed that that was all the checks written on the account. We made monthly payments on the account, as required, and thought that we would be making the payments for 30 years and that was all we had to do. After XXXX XXXX Ocwen advised that we not send any more payments and that the loan had to be paid in full. Now my husband and I are XXXX and Ocwen is threatening foreclosure. Somehow, we did not understand clearly what we were getting into when we were offered the line of credit by XXXX XXXX, who is the original lender. When we contacted XXXX XXXX they advised that they had none of the files and that everything had been turned over to XXXX Now that we understand that the entire amount has to be paid off, we can not get Ocwen to explain why we are being charged {$190000.00} for the {$100000.00} that we used. This has gone on almost a year now. We have been in our house 43 years and are fearful that XXXX day they will just foreclose on it and there will be nothing more we can do. They have recently added a foreclosure fee and title search fee along with other amounts to our loan. I 've been told that I better find an agency that can help me get this resolved because Ocwen says it 's nothing they can do about the issue. They said that they would send us mortgage documents and what they sent us was the original agreement for the line of credit that said we had a {$200000.00} line of credit that we can draw on at any time. I desperately need help with this.
Company Response:
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2016-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX XXXX, XXXX I have had an issue with Ocwen since they bought my loan from XXXX XXXX when the banking system went south. Ocwen holds payemtns, sendthem back and when I fell behind they charged me false charges. Every month I get different mail from them with different totals and even a foreclosure notice on a loan paid to date. It is a continuing battle. I ca n't get on the website to view documents because it never works. They are behind in updating information and charge because of it. 4 times they have returned my payment to me for no reason. It is frustrating. I called again today and XXXX my case manager says I am up to date and he will send me information regarding charges. Thats fine but they should n't have charged me. All I can say is be persistent. Also it is not the employees fault it is the system they use. I have stopped answering phone calls from them because it is hard to understand them. I only deal with XXXX. Charges are dated XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$140.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$130.00} ( XXXX charges XXXX day ) Property Evaluation XXXX/XXXX/XXXX {$300.00} Titel Fee XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$0.00} ) Property Evaluation XXXX/XXXX/XXXX {$10.00} Title Fee XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX charge XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$7.00} Title Fee XXXX/XXXX/XXXX {$7.00} Title fee again
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2016-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage company continues to take escrow on my home owners insurance even after i paid the full premium off in XX/XX/XXXX.
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2016-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes