Date Received: 2016-04-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On or about XXXX XXXX, OCWEN took over as my sister mortgage servicer. On XXXX XXXX, without her knowledge, they added property insurance to her home. She was never contacted or was told that the OCWEN needed proof of insurance. On XXXX they started charging her account attorney fees and other charges. On XXXX XXXX they again charged her for property insurance, without contacting her. The first sign that there was any issue with her account was late XXXX when they returned her first check, with a letter stating it was INSUFFICIENT TO CURE DEFAULT. When she contacted them, she was informed about the insurance deficiency. One and a half month later, after 3 tries from agent, and then finally staying on the line with representatives from OCWEN, they were able to " find '' her proof of insurance. You would think that that would have been the end of this ordeal, but apparently it is only the beginning. Some more timeline. XXXX check was also returned for the same reasons. Insufficient to cure deficiency. On XXXX XXXX, her escrow account was credited for part of one of the insurance charges. On XXXX XXXX they paid off the balance on her actual insurance. Late XXXX she received a call from OCWEN that she needed to make a {$3000.00} escrow payment. She made the payment and within 5 days, they had applied to her account. On XXXX XXXX the other insurance was credited to her account. On XXXX she received papers for her to sign and a schedule of payment. She then received a call from agents from OCWEN telling her that she had to make the payments right away. She was told she had to make one payment right away with a money order, she did and then she sent the other two payment. Late XXXX she sends me copies of plans for a mortgage modification. I was not aware that OCWEN was her loan servicing company. After doing some background check I advised her to stay away from that company. On XXXX XXXX OCWEN sent a delinquent notice of stating she is 145 days late and a totals of {$6500.00}. They are still looking to add to the escrow that is already 3 times what it needs to be, since only the Property Tax is due. On XXXX XXXX, My sister had a phone interview with XXXX XXXX, an agent of XXXX. Agent insisted that she needed to sign modifications papers. My Sister advised her that she had sent a check for the {$6500.00}, and that she did not want a modification. Agent proceeded to tell her it was up to OCWEN how they would distribute the funds. On XXXX XXXX, I tried to make an on line payment. I did not because it stated that making a payment would mean she was agreeing to their terms and condition to the loan modification. Made the payment using a check and sent it overnight. They received it on XXXX XXXX and have not processed the payment. I checked payment dates sent and when payments were posted. They normally take 3 to 5 days. Since payment is sent to a XXXX XXXX , I could not have someone sign for the payment. I 'm actually afraid it may be " lost '', just like her insurance information. On XXXX XXXX, my sister returned a call from OCWEN and spoke to XXXX, agent # XXXX. First he stated that the payment was no good, because it was in the form of a check, when she stated that the letter she received did not specify payment form, he stated that they had to wait seven days before they could post the payment. Historically, they have processed payments 3 to 5 days after they were mailed. They have the current payment since XXXX XXXX. I have payment history, insurance history and any form of paperwork necessary to back above information. this company has architected an issue were there was none, and has blatantly refuse to correct the issue. They target mortgages with high equity and weak barrowers that can be entangle easily. Please look at all the complaints against this company, some me not be called for, but
Company Response:
State: FL
Zip: 33428
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: 2016-04-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was transferred from Ocwen to XXXX XXXX on XXXX XXXX, 2016. The escrow amount at that time should have been XXXX. The escrow amount at that time was XXXX, and that amount was transferred to XXXX. Numerous phone calls has not yielded a return of the funds. Your assistance is needed to remedy this situation.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2016-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Good afternoon, I am a veteran that used my VA Home Loan certificate to buy a home in XX/XX/XXXX. The address of the home is XXXX XXXX XXXX XXXX, XXXX, AL XXXX. In XXXX XXXX, my wife and I divorced ( see attached ). In the final judgment of the divorce, my ex-spouse got the house and I was ordered to pay the mortgage for 36 months or until the property is sold. Whichever came first. In XXXX XXXX, I filed a Quit Claim Deed with the county Tax Assessor removing my name from the deed. I sent a copy of these documents to the mortgage company informing them of this action. In XXXX XXXX, I sent a letter and other supporting documents to the mortgage company requesting that I be Released from Liability. This would give my ex-spouse the option to refinance the mortgage or sell the property. In XXXX XXXX after checking my credit report, I find out that the mortgage for the property at XXXX XXXX, XXXX, AL XXXX, is several months past due ( {$14000.00} ). I contact my ex-spouse, whom I have been paying {$1800.00} per month, per the court order to pay the mortgage, to find out what is going on and I am told by her that she is trying to refinance the mortgage. I contact OCWEN, the mortgage lender and I am told, since I filed papers with them to remove myself for the mortgage, I will need to contact the new mortgage company, XXXX XXXX. ( see attached ) What I would like answers to are these questions : 1. As the primary and the veteran whom certificate was used to finance the mortgage, regardless of if I requested release from liability ; why was n't I contacted once the mortgage became 30 days past due? 2. Is the new mortgage company using my VA Certificate to refinance this mortgage? 3. Why was n't the property foreclosed on instead of allowing the mortgage to become 6 months past due?
Company Response:
State: AL
Zip: 35173
Submitted Via: Web
Date Sent: 2016-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-07
Issue: Settlement process and costs
Subissue:
Consumer Complaint: XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX Bank without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I paid my home off on XXXX/XXXX/15 which is 8 months ago. I have sold my house and can not get a release of lien. I am supossed close on Monday XX/XX/XXXX. Can you help me?
Company Response:
State: TX
Zip: 758XX
Submitted Via: Web
Date Sent: 2016-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ocwen have continue to sent false information and Representative. most recently on XXXX XXXX i received affidavit of lost note ... ... .. on a recorded phone conversation i was told by XXXX XXXX XXXX XXXX ( Ocwen Ombudsman Team of office of WE DO NOT HAVE THE original NOTE YOUR NOTE IS LOST SEE attached affidavit of lost note date XXXX/XXXX/XXXX your original note is still missing.. the affidavit does not have the first name of the notary ( Minnesota require notary name to appear as the would on drivers licence, the signer XXXX XXXX, no first name ..the allege check of the first box, personally known not the second box, XXXX XXXX, XXXX XXXX both signature are missing first name ... i did not sign my loan with first national bank of Nevada ... .but with first national bank of Arizona, two separate entities. i said why is these law firm XXXX XXXX XXXX Are co conspiracy filing fraudulent foreclosure complaints with the courts of the State of Maryland and the County Clerks to deceive the Courts and clerks into believing they are accepting legal papers to obtain judgments against homeowners? XXXX XXXX XXXX co conspiracy filing fraudulent foreclosure complaints with the courts of the State of Maryland and the County Clerks to deceive the Courts and clerks into believing they are accepting proper legal papers to obtain judgments against homeowners ... .. created fraud original note when they have admitted from ocwen ombudsman team XXXX XXXX on a record conversation we do not have the note ... your original note is missing that why I sent you this lost note affidavit of lost note, what we have in the recorded conversation he said .. is just scanned image copy we do not have the original note .. so the original ( the law firm of XXXX. XXXX was not in fact original but colored copy of created to show it was the original XXXX XXXX XXXX co conspiracy filing fraudulent foreclosure complaints with the courts of the State of Maryland and the County Clerks to deceive the Courts and clerks into believing they are accepting proper legal papers to obtain judgments against homeowners ) he said we do not have the original note, is still missing I sent you a letter dated XXXX XXXX XXXX ... your original note is still missing ..your original note is missing see lost note affidavit ... lost note affidavit signer are missing first name of all signer, the notary does have a first name, the signer does not have the first name, the bank is wrong WHEN COMPARE TO DIGITAL IMAGE OF scanned NOTE XXXX XXXX SENT DATE XXXX XXXX he said. Your note is lost we do not have the original, all we have is what I sent to digital image scanned attached to the letter and lost note to confirm your note is missing fraud created document backdated to show standing by XXXX XXXX XXXX $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Pattern of fraud with XXXX ( the law firm of XXXX. XXXX was not in fact original but colored copy created to show it was the original BY XXXX XXXX XXXX co conspiracy filing fraudulent foreclosure complaints with the courts of the State of Maryland and the County Clerks to deceive the Courts and clerks into believing they are accepting proper legal papers to obtain judgments against homeowners ) Is the conduct of Defendants illegal, unlawful and criminal to which they are engaging in a racket against the public and the judiciary that causes homeowners to unlawfully lose their homes, money to CO CONSPIRACY XXXX or XXXX and/or engage in litigation to defend themsleves against false filings by CO CONSPIRACY XXXX or XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2016-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had XXXX as my mortgage company and made payments ot them and only some of the payments were submitted to principal and the rest was held in an account so that it did n't go to principal. The interest was paid and then a small amount of principal. Call regarding this sent a complaint to XXXX XXXX but nothing ever happened. The company is terrible and took from people when setting up the mortgages.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2016-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen failed to pay my homeowner 's insurance on time for the 2nd year in a row. The employees of Ocwen could not figure out which address to mail the payment to, and chose to send the payment to the " Automotive '' address. The company sent them a warning letter saying the insurance was lapsed and asking for the payment. According to the agent here in town, Ocwen called him between 5 and 9 times today trying to figure out where to send the payment to. The Automotive branch of my insurance company sent a check to my home for the payment they were sent, so I now have the funds meant to pay my lapsed insurance on hand, but have not HAD insurance because Ocwen waited until the last minute to pay it and it lapsed already. If Ocwen expects consumers to PAY them on time, then surely they can PAY the required bills out of the escrow funds reserved on time as well, so that I, as a home owner, do not have to chase around trying to reinstate my insurance due to NO fault of my own.
Company Response:
State: ND
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-06
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: XXXX XXXX THIS WILL BE # XXXX FILED. TODAY XX/XX/XXXX I HAD A PRE SCHEDULED APPT WITH A CASE MNGR FROM OCWEN A PERSON BY NAME OF XXXX XXXX AT XXXX.. A CALL CAME IN AT XXXX SAYING XXXX XXXX IS BUSY ON ANOTHER CALL, I SAID I COULD WAIT ( XXXX ) IS WHERE CALL WAS COMING FROM. I WAS PUT ON HOLD AND THEN TOLD THEY COULD " NOT '' LOCATE HIM. I ASKED FOR SUPERVISOR SPOKE WITH A MINAXI WAS TOLD SHE COULD TRY TO HELP.. SHE COULD NOT GIVE ME ANY INFO ON MY MRTG ACCT ACCURATLY SHE KEPT PUTTING ME ON HOLD. FINALLY AFTER ALMOST 1 HOUR OF NOTHING RE ; INFO I TOLD HER TO HAVE MY CASE MNGR CALL ME SO I COULD GET ANSWERS TO MY MRTG ACCT.. THIS APPT HAD TO BE PRE SCEDULED MORE THEN A WEEK AGO AND STILL THEY DO NOT HAVE RIGHT PERSON WHO CAN ANSWER YOUR MRTG ACCOUNT QUESTIONS CALL AS THEY SAY AND MADE APPT WITH ... WHEN YOU CALL RE ; ANTHING ON YOUR MRTG ACCT SUCH AS " MISSING PYMTS : THEY ARE NOT POSTING AND CREDITS OWED NOT BEING APPLIED YOU ARE TOLD YOU HAVE TO MAKE AN APPT WITH A " CASE MNGR '' WAY IN ADVANCE.. AND YOU STILL DO NOT GET THEM TO CALL YOU ON THOSE APPTS ... THIS IS ILLEGAL ON SO MANY LEVELS ... I AM ASKING THE CFPB TO ESCALATE THIS COMPLAINT TO EVERYONE WHO SHOULD BE INVOLVED IN THIS ... .WE ARE GETTING READY TO GO PUBLIC WITH XXXX XXXX AND XXXX XXXX NEWS AND RUN AN AD IN XXXX XXXX AT ANY COST TO BRING THIS OUT INTO THE OPEN ... .PLEASE INFORM ANY OTHER BUREAUS THAT SHOULD KNOW ABOUT THESE COMPLAINTS ... ... ... ... .WE ARE AGAIN ASKING FOR SOMEONE NOT TO JUST SEND THIS TO THEM AS THAT DOES NOTHING, BUT TO ACTUALLY GET INVOLVED VIA PHONE HOWEVER YOU ARE ABLE TO ... THEY DO NOT SEEM TO CARE THAT I FILED A COMPLAINT WITH THE CSPB ALREADY.. YOU WOULD THINK THEY WOULD BE A LITTLE WORRIED AFTER THE LAWSUIT WITH CFPB BUT NOT IN THE LEAST WERE THEY ... ... .SOMEONE PLEASE LOOK AT THIS AND HELP AN AMERICAN OUT.. WE ARE TRYING TO GET ALL THE MISSSING PYMTS TO MY ACCT CREDITED AND ALL HOME IMPROVEMENTS SENT TO THEM BY CONTRACTS VIA OUR ESCROW AS WE HAVE A SHARED APPRECIATION MODIFY WITH THEM AND THEY 'RE NOT EVEN GETTING A LEGITIMATE PAYOFF QUOTE TO OUR ESCROW AND IT HAS BEEN WEEKS SINCE REQUESTED ... WE WILL LOSE THE SALE OF OUR HOUSE AND THE ONE WE ARE PURCHASING.. WE ARE MOVING SO MY HUSBAND CAN GET XXXX DUE TO AN ACCIDENT ... SO THIS WILL ALL BE GOING PUBLIC IF THE CFPB CAN NOT GET OCWEN TO LEGITIMIZE OUR ACCT AND GET CORRECT PAYOFF ... . I WILL ALSO BE CALLING XXXX AND XXXX AS I THINK SINCE THIS IS STILL GOING ON WITH OCWEN WITH NO " ACCOUNTABILITY '' AND SO RAMPANT THEY WOULD LOVE A STORY LIKE THIS.. GOING ONLINE DOES NOTHING COMPARED TO GOING PUBLIC ... SO AGAIN AS THE " COMMITTEE THAT IS SUPPOSED TO OVERSEE AND MAKE SURE OCWEN IS STILL CONTINUING THIS ILLEGAL BEHAVIOR, WE ARE ASKING YOU TO GET MORE INVOLVED THEN JUST SENDING THIS COMPLAINT TO THEM ... TIME IS RUNNING OUT AND WE NEED TO SELL OUR HOME AND MOVE FOR REASONS I HAVE SAID, BUT OCWEN IS FAILING TO APPLY OUR MRTG PYMTS BEING HELD IN A SUSPENSE ACCT SINCEXX/XX/XXXX, FAILING TO CREDIT THE MODIFY FORGIVENESS AMT AS PER MODIFY CONTRACT AND ADDING COSTS TO OUR LOAN ... ALL ILLEGAL .... IS THERE ANYONE AT THE CSPB WHO READS THESE OR ARE THEY JUST FORWARDED???????? PLEASE HELP US ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ....
Company Response:
State: CA
Zip: 91741
Submitted Via: Web
Date Sent: 2016-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX, 2016 I submitted an electronic withdraw payment from my XXXX account to pay my mortgage with Ocwen Loans. On XXXX XXXX, 2016 I received an email, on my bank statement, and electronic withdraw statement from my bank that the funds were withdrawn from my account and sent to Ocwen. Ocwen reported to me that they did not receive the funds until XXXX XXXX, 2016, making it 30 days late. Because it has been 30 days late, it is now showing on all three of my credit report. I talked to XXXX XXXX an escalation department manager. I emailed him documents that showed that the funds were sent and paid on XXXX XXXX, 2016. He talked to his accounting department, they reported to him, and he reported to me on my voicemail that they can not remove the 30 days late from my credit report. I 'm not satisfied with their decision, and I want the 30 days late to be removed from my credit report. I showed proof that this payment was paid in full by the XXXX of XXXX.
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2016-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes