Date Received: 2016-04-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am a single parent and have filed a request for modification of my mortgage with the mortgage company, OCWEN Loan Servicing. Their call centers and their staff seem to be in XXXX and for the past 4 months they have stalled the processing of my modification, and keep reporting my loan as delinquent. I have tried to work with them and have provided every bit of information they 've asked for and yet their paper-pushing games seem to have no end. On the other hand, they keep flooding me with notices of foreclosure and threats of taking my home which have caused me great XXXX and XXXX. I am a single parent and can not lose my home, but this mortgage company that has had countless complaints and lawsuits against it does not seem to be concerned. I have asked to speak to their representatives in the United States ( as I was told it is my right to do so ) but they refuse to accommodate.
Company Response:
State: VA
Zip: 22306
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan was purchased by Ocwen from IndyMac mortgage co in XXXX, since that, my monthly payment is going up and up. XXXX show that it was -- -- -- -- -- -- - {$670.00} in XXXX when they purchased my loan XXXX show that is should be {$710.00} for the XXXX/XXXX/XXXX yet they posted it in my account to be {$760.00} and I paid {$760.00}. XXXX show another increase just within few week of receiving the $ XXXXmonth increase to {$770.00}.
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-02
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I was named as a defendant in a mortgage foreclosure that I have absolutely nothing to do with. OCWEN Loan Servicing and the law firm XXXX XXXX have tied my name into a foreclosure with a person ( XXXX XXXX ) I do not know. I have never signed for papers for this mortgage, or for a house in Oregon. I do n't live in Oregon and do not know anything about this, yet name name is being attached to this case.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2016-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We received the Trial Modification from Ocwen on XXXX/XXXX/XXXX and returned it immediately, signed and notarized. Subsequently, it was confirmed that the XXXX " Trial '' payments were due on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for {$1800.00} each month. In the interim, I had contacted XXXX XXXX to see if I was eligible for any assistance because I was unsure how long I would be unemployed. Luckily, I was eligible for their Unemployment Assistance program which could pay the mortgage for up to eighteen months, if needed. As things turned out, I found employment with the State of California shortly after being approved for assistance ( although I would only receive a monthly paycheck ) and needed to wait 30 days for the income to begin. Again, things worked out insofar as the policy of the XXXX Unemployment Assistance program was to provide a four month " cushion '' of mortgage payments AFTER XXXX is re-employed. As a result, XXXX made a LARGER payment of {$2000.00} to Ocwen for FIVE months, per Ocwen 's instructions. Ocwen received a payment of {$2000.00} on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All of these payments were confirmed by my wife and I as being paid by XXXX and received by Ocwen prior to their respective due dates. We had spoken with associates at XXXX and Ocwen each month to insure that the " Trial '' payments had been paid and received. We specifically referred to these as " Trial '' payments when we spoke to the Ocwen associates, who confirmed they were received and said that the Permanent Modification would be forthcoming, once the XXXX Trial payment was received. For this entire FIVE month period of time, Ocwen collected these " Trial '' payments for the INFLATED amount and NEVER notified us, the property owners that the modification was in jeopardy. We were unaware that seeking assistance from XXXX violated ANY rule against the acceptance of a modification from Ocwen ; after all, we had already accepted and notified Ocwen of our acceptance of the trial modification. Also during this time, Ocwen did NOT inform XXXX or us that the amount they asked XXXX to pay on our behalf was greater than the contractual Trial Modification amount or that the payments were to be used for any other purpose than the " Trial '' payment in which it was intended and confirmed with XXXX to be applied as. Ocwen was completely aware the payments were coming from XXXX, because they informed XXXX to pay the {$2000.00} amount to them. In fact, Ocwen appears to have waited until the KYHC Unemployment Assistance was terminated and the last payment was received, BEFORE sending the decline letter. A highly dishonest and unethical business decision. If Ocwen had once mentioned to us that by having XXXX make the Trial payments for us, that we would lose or modification, we would never had accepted the XXXX Unemployment assistance. But at no time, did Ocwen say anything at all. They did not communicate with us at all.
Company Response:
State: CA
Zip: 91306
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: in XXXX of 2010 I filed bankruptcy and surrendered the home to American Home Mortgage. American Home Mortgage neglected to retitle the deed into their name since the home was surrendered back to them in the bankruptcy proceedings. American Home Mortgage in turn sold the loan to OCWEN in my name. Owen demanded payments on a mortgage that was surrendered in bankruptcy. After several threats that I still was liable for the mortgage payments. I mailed them XXXX payments totaling {$12000.00} that they collected illegally and this was not a business practice. XXXX i filed bankruptcy and surrendered the home back to American home mortgage and they were negligent in renaming the deed to their name, American home mortgage sold my mortgage to OCWEN and Owen demanded all their money and i sent it to them not knowing and it went in their pockets. Then in turn Owen sold the Mortgage again in my name to someone else and the third party foreclosed on the home in my name and reported it to the fort XXXX XXXX sheriff as a foreclosure in my name. that deed should have been retitled 3 times once To American Home Mortgage, second then Ocwen Loan Servicing , LLC and then the third party. XXXX mortgage companies illegally left my name on the deed after surrendering the home back to American Home Mortgage and five years later foreclosed on the property that I no longer had possession of after the surrender in 2010.
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen Loan Modification XXXX/XXXX/XXXX I have been trying to get a Loan Modification with Ocwen Loan Servicing since XX/XX/XXXX. Ocwen Loan Servicing bought a Fraudulent Loan Modification from AHMSI and it is designed for my payments to keep going up year after year until I ca n't afford to pay it anymore! Meanwhile Ocwen 's house ( the one I live in and pay for ) keeps going up in value. So after I can not pay the mortgage anymore ... Ocwen can foreclose and make money after I paid for this thing for all those years. They deny the Modification because I am current on loan payments and can afford to pay right now. I do have a few bucks in the bank, but I have also had a transplant, and if/when I have a problem and need specialty meds, I will need every dime I ca n't get my hands on! They do n't understand that! Secondly, I was forced to sell some income property that I owned, because I had to borrow against it when I was sick and on a transplant list. The loan was from a personal friend ( my realtor ) and no interest was charged, so nothing was documented. So, when the property was sold, I showed a huge capital gain tax and owe the IRS over XXXX! So, now I have no income off of property that was sold, I owe IRS $ $ , and my modified loan payments keep going up! I try to explain this to OCWEN and they just want me to spend every dime I have so they can foreclose! I have read Horror stories about Ocwen 's slimy history and I 'm worried. During the modification process, Ocwen assigns me a Relationship Manager! The RM has no direct phone # and only one number to the Loan Modification Department that you wait on hold forever, or talk to someone other than your personal RM! I have scheduled appointments with my Personal Relationship Manager and always end up talking to someone else instead! XXXX? What other options do I have? Ocwen Loan Servicing are major crooks! They go to court, get fined and just keep on doing their business as usual ... XXXX their customers!
Company Response:
State: CA
Zip: 94952
Submitted Via: Web
Date Sent: 2016-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My house was foreclosed on after I moved out. The mortgage company was Ocwen Servicing. They have never recorded the deed and they have it on my credit as being behind AFTER it was foreclosed. I need to get this record corrected. I looked the property up online and that is where I got the date of XX/XX/2013 when the deed was transferred. I want proof of when the deed transferred back to the bank and no one is giving it to me.
Company Response:
State: NJ
Zip: 08075
Submitted Via: Web
Date Sent: 2016-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage company Ocwent told me if i pay my mortgage on time my PMI will drop in 5 years of payment, now that the time has come they will honor what they said giving me any excuse that i owe too much on my home, i received a letter from XXXX Department of Finance with my Market Value at {$380000.00} and i owed {$200000.00}, Ocwen will not even aknowledge the letter.
Company Response:
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2016-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: CURRENTLY WE HAVEAL LOAN WITH OCWEN LOAN SERVICING '' WHICH APPPERNTLY FROM MY RESEARCH THE CFPB KNOWS ALL TO WELL AND ARE SUPPOSED TO BE " MONITORING THEM FOR CONTINUED ILLEGAL PRACTICES, BUT APPERENTLY ARE NOT DOING SO AS STATES IN A RECENT SETTLEMENT AGREEMENT BY CFPB AND ATTORNEY GENERALS.. SO I HAVE DECIDED TO PURSUE MY STORY IN THE PUBLIC WHERE QUESTIONS CAN BE ASKED AND PEOPLE ARE HELD ACCOUNTABLE, NEXT WEEK I WILL BE GOING TO ALL OUR LOCAL NEWS STATIONS WITH OUR STORY AS WELL AS MANY OTHERS UP TO AND INCLUDING THIS DATE XX/XX/XXXX I CALLLED " OCWEN '' ON SEVERAL OCCASIONS AND CAN NOT GET STRAIGHT ANSWERS RE : OUR LOAN. TODAY WHEN I CALLLED RE ; NOT RECEIVING OUR TAX INTEREST PAPERS FOR XX/XX/XXXX I RECORDED THIS CALL AS WELL AS MANY OTHERS WITH " OCWEN '' DUE TO THEIR DECEPTIVE AND ILLEGAL PRACTICES.I WAS TOLD TODAY BY A XXXX OF OCWEN LOAN THAT FOR THE YEAR XX/XX/XXXX AND UP TO AND INCLUDING TODAY XX/XX/XXXX THAT ALL OUR MRTG PYMTS HAVE NEVER BEEN CREDITED TO OUR MRTG ACCOUNT BUT ARE IN A " SUSPENCE '' ACCT ... THEY COULD NOT EVEN EXPLAIN WHAT THAT IS, ONLY THAT THEY DID SEE ALL OUR PYMTS BEING MADE BUT FOR SOMWE REASON NEVER BEING POSTED TO OUR MRTG ACCT FOR OVER 1 YEAR THIS HAS BEEN GOING ON, THEY ALSO ARE TRYING TO TAKE BACK A MODIFY CONTRACT AGREEMENT RE ; IF WE PAY OUR MODIFY AGREEMENT OVER 3 YEARS AND NOT BE LATE MORE THEN 3 TIMES A MRTG FORGIVENESS OF OVER XXXX WOULD BE FORGIVEN ON OUR LOAN, WHERE THEY EVEN ADDED THIS FROM WE STILL HAVE YET TO BE ANSWERED.. THEY SENT US THE MRTG FORIVENESS TAX PAPAERS XX/XX/XXXX AND XX/XX/XXXX BUT IN XX/XX/XXXX WHEN I CALLED ABOUT ANOTHER PROBLEM THEY SAID WE " MADE A MISTAKE '' ON THOSE TAX FORMS AND WERE REFUSING TO HONOR THE : DEBT FORGIVENESS '' THAT WAS ALREADY EARNED AS PER MODIFY CONTRACTED AND GRANTED BY OCWEN THEN THEY ARE TRYING TO ADD IT BACK ON TO OUR LOAN EVEN THOUGH WE ALREADY DID THE 3 YEAR MODIFY CONTRACT AND FINISHED AS PER THE TERMS.. TALK ABOUT ILLEGAL..WE ALSO RECENTLY REQUESTED A " PAYOFF '' QUOTE AS WE ARE SELLING OUR HOME THEY SAID THEY WOULD CHARGE US BETWEEN XXXX TO XXXX DOLLARS TO DO APPRAISAL AS WE HAVE A EQUITY SHARE AS OUR MODIFY CONTRACT BUT WOULD BILL OUR MRTG ACCT FROM XXXX TO XXXX DEPENDING ON APPRISAL AND WOULD NOT BE ABLE TO TELL US HOW MUCH UNTIL AFTER THEY DID AN APPRAISAL ... IS THIS SICK AND ILLEGAL.. THEY NEVER RESPOND TO WRITTEN REQUESTS WHICH IS ALSO ILLEGAL ... THERE ARE SO MANY WEBSITES WITH ALL KINDS OF ILLEGAL COMPLAINTS RE '' OCWEN '' I DO NOT SEE HOW THEY ARE BEING MONITORED FOR THIS AND STILL GETTING AWAY WITH THIS.. BUT I GUARANTEE YOU THE ' NEWS ' STATIONS WILL XXXX THIS STORY UP AS IT IS GOING ON LEFT AND RIGHT BY OCWEN LOAN ... I WANT THE CFPB AND ATTORNEY GENERALS OFFICE TO LOOK INTO OUR VALID COMPLAINTS AGAINST " OCWEN '' AND GET OUR ANSWERS THAT WE ARE NOT GETTING FROM THEM INCLUDING AS I SAID A VALID AND LEGITIMATE PAYOFF QUOTE ... THEY DO NOT RESPOND WHEN YOU CALL AND I HAVE TO MAKE APPTS WEEKS IN ADVANCE JUST TO TALK TO THE ONE AND ONLY PERSON " OCWEN '' SAYS CAN HANDLE OUR QUESTIONS.. I MAY LOSE THE SALE OF MY HOME AND THE PURCHASE OF ANOTHER IF WE CAN NOT GET THEM TO CORRECT THEIR ILLEGAL ACTIVITY ON OUR ACCT .... MY HUSBAND NEED TO HAVE AN AMPUTATION OF HIS LEG AND THIS IS WHY WE HAVE TO SELL OUR HOME BUT IF " OCWEN '' IS ADDING ILLEGAL FEES AND ADDING BACK ON THE MODIFY FORGIVENESS TO OUR LOAN AND HAS NOT BEEN CREDITING OUR MRTG PYMTS FOR MORE THEN A YEAR WHAT BUT PUBLICITY CAN WE DO ... THE CFPB IS WELL AWARE OF THESE GOINGS ON OF ILLEGAL ACTIVITY BY 'OCWEN LOAN '' IF YOU ARE SUPOSED TO BE CLOSELY MONITORING THEM FOR THIS WHY ARE THEY STILL DOING THIS?????? WE WANT A LEGITAMIT PAYOFF QUOTE SO WE CAN GET OUT OF OCWEN LOAN.WE ARE SELLING OUR HOME BECAUSE MY HUSBAND NEED AN XXXX DUE TO AN ACCIDENT.. IF THE CFSB CA N'T GET OCWEN LOAN TO TAKE CARE OF OUR ACCT AND LEGITIMATLY CREDIT US WHAT THEY ARE ILLEGALLY ADDING ONTO OUR LOAN AND NOT RESPONDING TO US. PLEASE HELP US!!
Company Response:
State: CA
Zip: 91741
Submitted Via: Web
Date Sent: 2016-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-31
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: Ocwen loan is reporting to XXXX credit reporting agency I am 120 days late in XXXX XXXX, the house was sold in XXXX and I did not have a open loan with this company, they have not taken it off my credit report which is in direct violation of the Fair Credit Reporting act. They have a closed account stating 120 days late in the status area of their account on my credit file. This is causing us to be unable to fund a new home mortgage. I have filed disputes with XXXX and contacted Ocwen to be told they have to look into this and have 15-30 days, I have supplied copies of the XXXX information and the paperwork they filled 120 days after we sold our home in XXXX with our county tax accessor to prove my claims.
Company Response:
State: WA
Zip: 98371
Submitted Via: Web
Date Sent: 2016-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No