Date Received: 2016-03-31
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: XXXX, you are so dishonest and a liar. you called and left me a message only XXXX time, I have called you twice and left messages with no response. You did not give me the recast payment of {$430.00} ; you gave me the payment of {$460.00} which is not the recast. I understand the increase of my taxes and insurance, but I am talking about the {$430.00} recast. The {$86.00} escrow monthly is based on the increase from XXXX to XXXX monthly. my monthly payments with my recast should be around XXXX monthly. I 've earned this and you have no right to deny me. Please address why I did not receive the incentive of {$430.00} monthly payment? This is an incentive and I want what is due to me
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2016-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I do not owe a {$91000.00} mortgage on the property at XXXX XXXX. I do not use a {$100000.00} line of credit I paid off in XX/XX/XXXX. I do not use a {$24000.00} line of credit I paid off in XX/XX/XXXX. I did not refinance a {$33000.00} VA loan on XXXX XXXX. I did not borrow any down payments I paid off the {$260000.00} loan released in XX/XX/XXXX with the {$260000.00}. They want me to pay again. I paid off the {$240000.00} balance with the {$360000.00} I paid to Indymac. I paid off the {$49000.00} XXXX principal balance with the {$49000.00} paid to XXXX and {$5700.00} paid to XXXX. I paid the taxes and and insurance with the {$70000.00} difference in the 7 % XX/XX/XXXX mortgage supposedly paid off in XX/XX/XXXX and the {$260000.00} Indymac/XXXX mortgage at 4.34 % The XX/XX/XXXX XXXX loan paid off the XX/XX/XXXX mortgage that was refinanced in XX/XX/XXXX The XX/XX/XXXX refinance paid off the loan recorded and released on my neighbors lot XXXX in XXXX XXXX. Paid off again by a XXXX mortgage from XXXX XXXX that did not pay off anything. XXXX XXXX used a paid in full line of credit to pay off a VA loan I had already paid off. And a {$24000.00} line of credit along with the {$18000.00} paid to XXXX/ XXXX {$9400.00} + {$2700.00} {$14000.00} of credit to pay off {$14000.00} paid to midland I wish to pay off the current balance with the {$120000.00} lines of credit and the {$91000.00} mortgage on my duplex. {$220000.00} + the {$130000.00} + XXXX {$140000.00} paid to the VA mortgage. = {$360000.00} They only owe me {$140000.00} for the VA loan. Credit cards. They can use the {$170000.00} individual payments to pay the {$100000.00} principal balances ( that were also discharged in my bankruptcy ). They can return the remaining {$73000.00} credit and the {$30000.00} paid to XXXX for the {$100000.00} line of credit. And refund the {$24000.00} used to pay the escrow to the duplex for the new buyer for the {$4700.00} Ocwen loaned me on my {$5000.00} HAMP incentives. Instead of the {$5700.00} XXXX payments Ocwen used to pay to XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX taxes they did n't have to pay ( because I paid it off early ). In all I have paid all of the {$510000.00} on the XX/XX/XXXX mortgage I had paid all of the {$130000.00} on the XX/XX/XXXX duplex loan. I paid all of the {$99000.00} on a VA loan I assumed and never refinanced. For the above I paid all monthly payments with taxes and insurance to pay off 15 year loans on each property. Plus the {$41000.00} duplex payoff in XX/XX/XXXX and another {$62000.00} to XXXX XXXX from the foreclosure. I didn't/do n't owe anyone anything on the VA loan paid in full I did n't use or authorize and gave no one any security interest in a line of credit on my duplex from XX/XX/XXXX. I did n't use, mortgage or owe anyone any money on {$24000.00} line of credit on my house from XX/XX/XXXX. I do n't owe and could not mortgage my neighbors property. I do n't owe anyone else anything for any other recording errors.
Company Response:
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2016-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-31
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: Debt collector XXXX, as trustee for XXXX XXXX, Asset Back Certificates, Series XXXX ; is attempting to collect on a stale, alleged debt which is more than 3 years past the Statute of Limitations. OCWEN alleging itself to be a mortgage servicer, who is in fact a non bank creditor, is attempting to file suit, to obtain the home of the consumer which was obtained for personal family household uses. Both parties were served a notice of dispute pursuant to the Fair Debt Collections and Practices Act, both parties have either not responded or not properly responded. They have within 5 days of the receipt of this complaint to respond per request of the consumer.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2016-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-31
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Ocwen is holding my depreciation check for $ XXXXXXXXand I am current on my mortgage they first applied it to my mortgage I call ocwen they told me they would release it but instead I a call from an inspector for ocwen stating he need to make another inspection. This same person had done one inspection and then came out he did another one at that time he stated repairs was 90 % done and no followup would be necessary. A certification of completion was faxed to ocwen by roofer XXXX XXXX. So I want to know if ocwen has the right to hold my funds and take me back through another inspection.I feel ocwen is taking advantage of me. This is not fair to me. owcen has being a thorn in my side.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2016-03-31
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-30
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Ocwen Financing is reporting a duplicate mortgage and have refused to remove the account which shows a duplicate account by them. Including XXXX XXXX XXXX has a duplicate account on my credit report.
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2016-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear CFPB, Here we go again. I 'm here to report that Ocwen Loan Servicing , LLC ( OCWEN ), XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX Trustee ( XXXX ) continue to defy your Regulatory Authority and continue to violate my Private Rights of Action and consumer protection rights under CFPB, FDCPA, FCRA, FTC, CA XXXX-FDCPA and California Homeowners Bill of Rights. In addition, Ocwen continues to violate the Consent Order entered with CFPB. Despite the ongoing Identity Theft Claim I filed with the Federal Trade Commission against Ocwen ( Read Below ) On XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Foreclosure Trustee for Ocwen, illegally and unlawfully recorded a Notice of Trustee Sale on my property XXXX XXXX XXXX XXXX, CA XXXX at the XXXX XXXX County Recorders Office. The Trustee sale date is schedule for XXXX XXXX, XXXX. On XXXX XXXX, XXXX I filed an Identity Theft Claim with the Federal Trade Commission against Ocwen since Ocwen has repeatedly ignored my Notice of Dispute and Demands to Verify and Validate the # XXXX Account they created without my permission, authorization and intruding through Identity Theft into my private life. There is no valid and lawful contract, no offer, no acceptance and no consideration between me and Ocwen, XXXX, Or XXXX. As of today, XXXX XXXX, XXXX OCWEN has NOT responded to my Identity Theft Claim. These Corporate Entities, are only corrupt Debt Collectors. Ocwen, XXXX, and XXXX do not have beneficial interest to my property. They have no legal and lawful standing to initiate a foreclosure, as all the instruments ', assignments and documents recorded on my property are fraudulent since they were obtained through identity theft in clear violation of FDCPA 1692j. I never gave them consent to use my name, social security, personal and private information. Please review the following XXXX Exhibits ( Attached Documents ) as Proof that Ocwen, XXXX and XXXX continue with their unlawful, fraudulent and corrupt conduct and behavior. Exhibit A- Notice of Trustee Sale recorded on my property in the XXXX XXXX County Recorders Office on XXXX XXXX, XXXX. Exhibit B- Notice of Default recorded on my property in the XXXX XXXX County Recorders Office on XXXX XXXX, XXXX. Exhibit C- Identity Theft Claim filed on XXXX XXXX, XXXX against Ocwen . Ocwen has refused and ignored over the last two years and a half, to respond to my Notice of Dispute under FDCPA 1692g and Affidavit to Verify and Validate the Account # # XXXX, Beneficiary Statement under CA Civil Code XXXX. Exhibit D- Affidavit of XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX , Trustee for XXXX XXXX. To date XXXX, has not responded to my Affidavit. As of today, I have filed XXXX ( XXXX ) CFPB Dispute Claims against Ocwen : 1 ) XXXX Filed on XXXX/XXXX/XXXX 2 ) XXXX Filed on XXXX/XXXX/XXXX 3 ) XXXX Filed on XXXX/XXXX/XXXX XXXX ( XXXX ) CFPB Dispute Claims against XXXX : 1 ) XXXX Filed on XXXX/XXXX/XXXX 2 ) XXXX Filed on XXXX/XXXX/XXXX 3 ) XXXX Filed on XXXX/XXXX/XXXX and XXXX Dispute Claim against XXXX : 1 ) XXXX Filed on XXXX/XXXX/XXXX Your CFPB Portal and my above XXXX CFPB Disputed Claims is proof that Ocwen, XXXX and XXXX continue to violate the CFPB, FDCPA, FCRA, FTC, CA XXXX-FDCPA and California Homeowners Bill of Rights for their refusal to repeatedly ignore and refuse to respond to my disputes and demands. Moreover, Ocwen continues to violate your CFPB Consent Order. In your CFPB Consent Order against OCWEN Under the Settlement Term Sheet provision on Page XXXX Section XXXX FORECLOSURE AND BANKRUPTCY INFORMATION AND DOCUMENTATION ( A ) XXXX. " Servicer shall ensure that affidavits, sworn statements, and Declarations are based on personal knowledge, which may
Company Response:
State: CA
Zip: 95076
Submitted Via: Web
Date Sent: 2016-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We can not afford offered Loan Modification from Ocwen Loan Servicing , LLC . According our Attorney who review the offered Loan Modification agreement from Ocwen Loan Servicing , LLC to us we are going to be bankrupt within a few years if we accept that. And at our pre-retirement age it is not acceptable. We found a Minnesota local nonprofit organization who has a Program for Homeowners like us who can not afford to accept a loan modification but have to stay at the property due to medical reasons. The Non-Profit purchases the property at the Short Sale without signing Arm 's Length Transaction According to Home Affordable Foreclosure Alternatives ( HAFA ) program as permitted under Supplemental Directive XXXX issued by the federal government on XXXX XXXX, 2011, and rents the same property back to Homeowners with hardship like ours. The HAFA directive provides that Servicers may " approve sales to non-profit organizations with the stated purpose that the property will be rented or resold to the borrower, so long as all other HAFA program requirements are met. '' This quote is an excerpt from Supplemental Directive XXXX issued by the federal government on further information on the Directive issued on XXXX XXXX, 2011 ; the full relevant section of the Directive is attached. The Directive can be found at XXXX.
Company Response:
State: MN
Zip: 55345
Submitted Via: Web
Date Sent: 2016-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-31
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: In approx XXXX Indymac Bank gave my then husband, XXXX XXXX a loan. XXXX asked if he could take me off the loan and promised he would put me back on soon afterward, that this was a special deal he and his racquetball buddies were all doing to save money. What in fact happened is that I found XXXX XXXX was NOT using my paycheck to pay bills each month anymore. I found stacks of unpaid bills. His intention was to inherit a " free house '' from his parents who were near death and he got his " free car '' by making the Indymac loan that he never intended to pay. I stopped giving him my paycheck and he moved in with his parents.We divorced. I got him to sign a document giving me power of attorney to pay all debts connected to the home, home loan, HOA fees, all debts he had abandoned. He signed a quit claim so I was on the deed again. I contacted Indymac via a three way call with the organization HOPE helping me and asked how my request to modify and assume the loan was progressing. Indymac told me and HOPE that it was " in process '' and to please be patient. The XXXX way call was interrupted by a call from the law firm of XXXX XXXX XXXX stating, " I do n't know what Indymac is telling you and HOPE, but they have your home up for sale this morning ''. I put my XXXX son XXXX in the car still in his pajamas and XXXX XXXX filed Chapter XXXX and stopped the foreclosure 15 minutes before the home was to sell. With the open Ch XXXX I was able to achieve a loan modification. The loan was purchased by XXXX Bank and managed by XXXX XXXX XXXX. I started paying the modified loan on XXXX XXXX, XXXX and to this day have NEVER been late, never missed a payment. XXXX XXXX was satisfied that I was going to continue paying on time and sent me an assumption packet so I would begin to get credit for paying the loan on my credit reports. A week later the loan was moved to OCWEN. OCWEN 's underwriters refused to recognize me until XXXX XXXX, after I had been paying the loan six years. They finally let me assume the loan. I immediately contacted KYHC, Keep Your Home California and applied for help with the upside down loan. KYHC gave OWEN over {$74000.00}, which Ocwen accepted for the payment of my Ocwen Loan # XXXX. Ocwen then told me repeated in writing and via phone that they reported my loan to all the credit bureaus. They gave me a letter to show the bureaus to show it was the BUREAUS fault if my home loan was not being reported. In fact, XXXX told me that on XXXX XXXX OCWEN removed my home loan. XXXX told me OCWEN removed my home loan on XXXX XXXX. It was removed from XXXX as well. Ocwen claims I am responsible for the loan but should not get credit for the payments I made because of the Ch XXXX filed due to divorce. Ocwen claims XXXX XXXX should not have modified the loan. Ocwen is making such a confusing mess that I request CFPB investigate and get them to let me get credit for paying this loan. I have NEVER been late. Since the divorce this loan has been paid by me only and ALWAYS on time. I have begged XXXX XXXX to let me assume this loan from day one. It seems like very punitive harsh punishment for me and my XXXX son to suffer while XXXX/Ocwen take my money for six years and yet treat me like I do not deserve to have my loan reported to the bureaus like most people do. I feel I am being treated like an indentured servant who has no rights.
Company Response:
State: CA
Zip: 90710
Submitted Via: Web
Date Sent: 2016-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I filed a reverse mortgage with XXXX who is now Owcen. My house was appraised for {$87000.00}. I got {$23000.00} last year instead of the {$43000.00} because I am XXXX and they were keeping half. ( I was never told before ). They set {$2300.00} aside for repairs. I finally got a company to do repairs. The problem is I live in a small town. We have no painting companies here. The closest town is 45 min away. No one would come and paint my fence and porches for anything under {$5000.00}. The company I got XXXX came and painted the fence and porches. Then when inspectors came they kept saying I had more to do. Things that were n't even in the initial contract. All I was to have done was the painting of my fence and porches.They sent partial check payment to of {$1700.00} in my name and XXXX. for repairs. Said when the repairs were finished they would send remainder. I called them told them the repairs were done. They asked about my windows. There was nothing in contract to do with my windows. Its like the added more stuff without my knowledge, So we took care of that..The repairs got finished. So last Friday, XXXX XXXX I called to find out when they were releasing the check for repairs.. They informed me, that they sent XXXX out for the the {$1700.00} and then used the rest to pay for the inspector so I am going to have to pay the remaining {$550.00} out of my pocket plus the portion I was to pay {$50.00}. So that is a total of {$600.00}. I then asked about my remainder of money that was supposed to come to me. They transferred me and I could not find out anything more. Monday XXXX XXXX, my son and I called them. We asked them about the same. They told me I was only going to get {$20000.00} instead of the {$41000.00}. because I am XXXX and they were keeping half. Like I said previously was NEVER told to me before..They were getting after me for not having repairs done, ( When I thought they were ) but when they do wrong I guess that is supposed to be ok.When I started this I was told my home was worth {$87000.00}, so I would get {$43000.00} last year. Then this year I was to get {$41000.00} which was after the {$2300.00} came out for repairs. I am so frustrated, I want the over half of my money. My XXXX called the XXXX today XXXX XXXX and they told us to contact you due to the fact this company has negative rating with XXXX I have XXXX and I am XXXX. I do not need this.This whole process has been a real pain, and I thought these reverse mortgage was to help with your retirement and it did n't matter your age. If you could please HELP. Thank you
Company Response:
State: OR
Zip: 978XX
Submitted Via: Web
Date Sent: 2016-03-30
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is a follow-up to a complaint I filed through your site against Ocwen for failing to provide me with the stock certificate and proprietary lease upon completion of my mortgage loan payments effected XX/XX/XXXX. On XXXX XXXX, XXXX, Ocwen, after trying to reach them several times, and after posting the complaint through your site, responded that they needed 30 days to obtain the stock certificate from third party trustees. However, 30 days are over today and I still have not received the promised document - stock certificate and proprietary lease. Instead, Ocwen sent me an e-mail with duplicate documents provided before ; i.e. pooling agreement between XXXX XXXX and XXXX XXXX XXXX XXXX. I responded indicating that such document was ( 1 ) dated prior to the Co-Op Conversion XXXX XXXX ( 2 ) signed by the sponsor who no longer has any authority over the Co-Op ( 3 ) document does n't list the Co-Op XXXX XXXX XXXX XXXX XXXX as part of the service transfer request to XXXX XXXX XXXX XXXX ( 4 ) When I purchased the apartment, I obtained financing through XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. Based on the above, I find the pooling agreement forwarded by Ocwen, invalid. The current management company for XXXX XXXX XXXX XXXX XXXX is XXXX XXXX not XXXX. As mentioned before, XXXX was the Sponsor who no longer has any interest in the building and was supposed to relinquish any authority 5 years after the Co-Op conversion any way. Ocwen also stated that they did n't have a need to file for a XXXX continuation because the previous one had already expired. My understanding is that XXXX serves as the financial institution 's collateral of an outstanding debt. What was Ocwen 's collateral in this case. I know the loan is now paid off ; however, it is important to me to understand the reasons behind the non-filing of this document as there seem to be third parties involved on my property interest who I do n't think they should be and which I was n't aware of.
Company Response:
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2016-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes