Date Received: 2016-03-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: THE FACTS : 1. I defaulted on my GMAC mortgage payments XX/XX/XXXX due to job loss. 2. Now bankrupt GMAC ( superseded by OCWEN Loan Servicing LLC later on ) issued a repayment plan. 3. I complied with repayment plan - paid all requested amounts to GMAC through XXXX XXXX for 8 month. 4. On XXXX XXXX, XXXX, GMAC approved my Mortgage Modification Request and set the monthly payment amount based on new loan amount that contained all the default amounts from previous months. 5. I have been making payments every single month starting XXXX XXXX without missing a single payment and without being late till Present, all according to GMAC/OCWEN requirements. Now, comes XXXX XXXX, and more than 5 years after my Mortgage Modification with GMAC I am suddenly informed by OCWEN that I am past due 7 month?! Even assuming that GMAC/OCWEN were not calculating monthly payment correctly or having any other reconciliation errors - it is still not acceptable consumer lending practice to suddenly inform the customer about 7 months default and engage in behavior that OCWEN is engaging ( when all I did is complied with their requirements at all times for 6+ years ), namely : Start charging me late and other fees, as shown on your recent statement. Refusing to accept my regular payments that I have been paying for years. OCWEN 's Customer Service is in XXXX and I can not get any meaningful answers from there. Meanwhile OCWEN is pushing to foreclosure. So I had no other choice but to apply for additional Mortgage Modification with OCWEN ... and now am waiting for them to approve it. It has been a month of them supposedly " researching '' but meanwhile they are charging me late and " other '' fees and pushing for foreclosure. So far I did not get a meaningful documentation and accounting on the loan according to Section 2954 of the California Civil Code ...
Company Response:
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2016-03-30
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 have received a past due notice on my mortgage from, Ocwen mortgage loan XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. My Bank, XXXX XXXX, sends my payment automatically at the beginning of each month between the XXXX and the XXXX. My XXXX XXXX payment was sent on XX/XX/XXXX. Ocwen has not cashed it yet. I called and talked with XXXX, customer service number XXXX. He insinuated my Bank was at fault because they are the senders. I had the same problem XX/XX/XXXX with Ocwen and I wrote a complaint you people because of a similar complaint in XXXX of XXXX with Ocwen. The difference in XX/XX/XXXX the mortgage payment was sent on XX/XX/XXXX and cashed on XX/XX/XXXX by Ocwen causing a late fee. XXXX and XXXX were resolved pursuant to a complaint made to your agency in XX/XX/XXXX, except for an erroneous late fee they keep sticking on my bill, which I was told would be taken care of, but never was. I do n't know what happens in XX/XX/XXXX, at Ocwen. The other 11 months seem to work sort of, the only problem that continues is an arbitrary late fee that appears from nowhere. This situation is getting extremely aggravating. I have through my bank very detailed documentation if needed. I hope this can be taken care of permanently at this level. I thank you for your past help and your patience for doing this line of work.
Company Response:
State: MA
Zip: 01013
Submitted Via: Web
Date Sent: 2016-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My home is in foreclosure with a law day set and I received an email from loan servicer stating that I have been approved for a loan modification. This email is dated XXXX/XXXX/16 and their deadline for returning the application is XXXX/XXXX/2016. I am not in receipt of the documents which the loan servicer said would be sent U.S. mail!!!! I believe I am a victim of " dual tracking ''.
Company Response:
State: CT
Zip: 06118
Submitted Via: Web
Date Sent: 2016-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I purchased my house in XXXX XXXX through XXXX XXXX that was eventually taken over by XXXX XXXX XXXX. My interest rate was 7.5 % & I was approached by a company that offered to refinance my home & lower my interest by 2 % in XXXX XXXX. During that process I asked the loan officer if going through with this refi would effect my eligibility for the mortgage programs that were being offered by the Government at the time. His response was absolutely not, anything you are eligible for right now will still be offered for you after the close of escrow with the new mortgage. I had asked this same question several times & I was given the same answer each time. Additionally I had just left my employment & was not working so saving money was even more important at the time. Upon review of the loan documents a few years later I discovered that the loan officer illegally changed the loan documents to manipulate the underwriters for the new mortgage company by claiming I worked for a company that I did not work for and he added his own figures that were untrue. I specifically asked him how I would be able to qualify for a new mortgage if my income was comprised at that time & he told me that it was completely fine and it was a special program being offered by the government called a streamline refi & there was no income requirement because your already in a mortgage your just saving money by getting a cheaper interest rate. By the time escrow closed it was XX/XX/XXXX and when I attempted to sign up for the federal mortgage programs that were out due to the housing crisis I was denied & the reason given was that my mortgage needed to be dated XXXX XXXX and prior. So my worst fears of the refi making me ineligible were realized & that company who processed my refi had completely lied to me and XXXX me out of the very programs I needed to ultimately save my home. That meant that all of my neighbors received principal reductions & many of them purchased their homes for XXXX % of the cost of my house. As an example both of my neighbors have mortgages now of $ XXXX and mine is stuck at the original purchase price of $ XXXX. This translates into a difference in mortgage payment of {$900.00} per month which clearly puts me a financial disadvantage & I am not eligible for any assistance or relief. The reason my employment was comprised is due to XXXX. This lead me to file for Social Security XXXX in XXXX XXXX. I have been fighting for XXXX ever since & I only recently on XXXX XXXX XXXX had my hearing in which I am now waiting for a decision on that my attorney says could be another 120 days. Meanwhile my house is in foreclosure and is scheduled to be auctioned off on XXXX XXXX XXXX & I am completely distraught at the thought of being homeless with no where to go while dealing with such serious health problems in which I take more than XXXX different medications for. During the past few years I emptied my XXXX and maxed out XXXX credit cards and accounts & I have taken personal loans all in an effort to stay afloat while I wait for my XXXX case to be finalized. Had the loan officer and company not lied to me I would be completely secure because I would have been allowed to get a mortgage principal reduction & an interest reduction of up to XXXX additional % points which would have saved $ XXXX per month which would have allowed me to be able to afford my payments like everyone else around me effectively saving my home from foreclosure. What can I do about the lies that caused me to be ineligible for the federal programs that I would have otherwise been able to get & what can be done about the fraudulent paperwork they submitted to get the new loan? The Co. Name was XXXX in Ca. My current Mortgage Co is Ocwen who bought out GMAC which I had.
Company Response:
State: AZ
Zip: 85353
Submitted Via: Web
Date Sent: 2016-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Since my last complaint, my account with this mortgage servicer was totally researched and it was discovered and settled by Ocwen that they wrongly calculated % and charged higher payments than they should have, on my loan, for the five years that they have serviced it. But the loan was actually from XXXX. I would like to request further examination of this loan, specifically when it was held by Litton Loan Servicing, which Ocwen purchased in XXXX. I have had my mortgage for ten years -- I closed in XXXX XXXX. I have statements from Litton Loan Servicing as early as XXXX. I want Ocwen to forensically assess my loan for what % rates should have been and if what I was charged was correct from XXXX to XXXX. If it is found to be wrongly calculated and I was overcharged in any way, I want a full refund including any late fees and interest or suspense monies held. I am deeply disturbed that my mortgage was handled so poorly and concurrently when I had great financial difficulties in my life. Tax-payers bailed out the banks and folks like me have been trying to do right, pay right and be smart about our credit through the entire crisis. Ironic. I have an Ocwen Ombudsman ( actually two ) but I have not heard from either one since I have left several voicemail messages regarding this new request. XXXX XXXX and XXXX XXXX are my Ocwen contacts. Please help me proceed. I have My Litton Loan Servicing account number and will scan the statement for when I made my first payment to Litton on XXXX/XXXX/XXXX via check # XXXX for the amount of {$1200.00}. My statement listed 7.25 % as the interest rate. The principal balance was {$240000.00}. And the last payment I have recorded to Litton was {$2400.00} on XXXX/XXXX/XXXX. The month before my records indicate I made a phone payment in the amount of {$5000.00}. My statement from Litton Loan Servicing dated XXXX/XXXX/XXXX lists my principal balance as {$260000.00} and the interest rate as 7.25 %. I need so much more information! Why did the interest rate change when Ocwen purchased my mortgage from Litton loan? Why has it always been 7.25 % if it was an adjustable loan? Was it supposed to be less every year since XXXX? Why is my principal higher in XXXX than in XXXX? Has this loan always been growing principal? Please require Ocwen to continue this case! They have to date refused any amount of financial settlement for damages -- even though they caused me financial stress, but if they owe me my own money, then I want every penny back. Please advise.
Company Response:
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2016-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: OCWEN assigned a XXXX ( in the " specialized cases '' department ) to handle the delinquency matter ; this person has not been available and returned only XXXX of the messages that were left. When further attempts were made, this XXXX had left a voice box greeting notifying callers that they were out of the office for a specified amount of days. When attempts were made to gain information on the account we were told that only that XXXX XXXX could answer questions, no one else in the company would be available to provide any information. The only remedy they proposed was to leave a message with the XXXX supervisor so that a new XXXX could be assigned or leave a message with the assigned XXXX and await their return call. This matter is urgent with severe delinquency and mortgage foreclosure pending yet there appears to be income sufficient to warrant a modification.
Company Response:
State: IL
Zip: 462XX
Submitted Via: Web
Date Sent: 2016-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I became XXXX and when I contacted Ocwen they put me on a repayment plan but did n't offer a loan modification. I got hospitalized and once released and no longer depressed I contacted Ocwen and the representative told me I could not send in the payment. So, I eventually applied for a modification and each time my application has some how disappeared. But I have been assigned a representative from their company more than once. I have even taken my loan modification application to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida. on several occasions. I contacted to get a pay off and they quoted me XXXX but the attorney representing Ocwen gave a quote just a little over XXXX XXXX. I submitted the loan modification to their attorney XXXX XXXX.
Company Response:
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2016-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am the XXXX of the XXXX XXXX XXXX XXXX XXXX ( XXXX ), a XXXX of approximately XXXX homes in the XXXX, TX area. Our average home price is between $ XXXX to $ XXXX. There is unfortunately a home located at XXXX XXXX XXXX, XXXX, TX XXXX that has been vacant for the past five or so years after the owner was placed in a XXXX XXXX. XXXX has had to spend {$30.00} per week to maintain the yard as the mortgage company does not have anyone maintaining the home. This has been going on now for over five years. The home continues to deteriorate to the dismay of the neighbors and the community. The back yard is a health hazard due to overgrown vegetation. The mortgage company is Ocwen Mortgage and of course they refuse to speak to anyone about the home due to privacy reasons. The home has never been posted for foreclosure.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2016-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My name is XXXX XXXX I live in XXXX, Ohio. I am a XXXX XXXX XXXX XXXX man. I am on Social Security. I do the best I can to exist I guess you would say. I had ran up credit card debt XXXX 7 years ago that I could not pay back. My wife and I split up and divorced. Total house hold income went down. I went to an attorney to ask about bankruptcy years ago and he told me that since I was poor he said I would not bother, ca n't get blood out of a turnip he said. So I let it go. As the years past I would get notices from collection agency 's from time to time. I just ignored them like the attorney said. No one ever really pressured me, but felt guilty for not paying, but did not know what to do so I thought since I was probably never going to be able to pay off the debts maybe I should think about bankruptcy again. I was afraid someone might try to put a lien on the house I own. It is all I have to my name mostly. Have lived here 10 years never missed or late on the house payments. I decided to contact XXXX Law out of XXXX. I was first told the same thing by them let it go you are poor. So I let it go. A few weeks later I was called back by another guy from XXXX Law who said they could arrange payments for me so if I still wanted to file they said I could do so. So I said yes lets do it and would be out of debt the legal way once and for all. After 15 months of payments I have now filed. I guess I did not understand bankruptcy laws very well. I thought I could just totally the leave house out of bankruptcy and a person just choose what debts to have dismissed. I found out all debts are included and you choose to continue paying on some like car or house. I was hoping to keep my house. Would not have filed at all had known what I know now. Now is where the problem starts. I use to have GMAC for my mortgage. Mortgage was taken over by Ocwen now for a few years. Since I have filed bankruptcy Ocwen cut off my auto pay on my mortgage. I called and said I would still like to continue with my mortgage and could they just restart the auto withdrawl from checking. Ocwen said I would have to make monthly payments on my own and said they can not do that since I am filing bankruptcy. They said that I would need a reaffirmation agreement with them before they would do that and that my attorney would have to apply to their bankruptcy division and they may or may not approve it. They do not submit XXXX. My attorney said that it is not usally done the way they are stating. Not that I know of course. Now I thought I would go on Ocwens website and check to see if I will be able to pay next months mortgage payment that way. I see I have been cut off of that also. What they are going to do apparently is make it as hard as they can for me to make the payments in hopes I will default on my loan so they do not have to deal with me at all. My guess is that they can collect on an FHA loan if I default and they forclose, then turn around and sell the property since it is worth more then I owe and make out even better??? Maybe I am way off base on this. I have never trusted this company after I saw all the complains on the Internet about them and I tried to get a mortgage adjustment a couple of years ago. I went to a place XXXX and they filled out the paperwork and sent it in to Ocwen and Ocwen said they never got the paperwork and I know they did. I just gave up, was afraid they would try to foreclose on me if I riled them up. So I gave up. My question is, why does this company get to exsist? XXXX website has over XXXX complaints alone. XXXX attorney on XXXX website said California was wanting to not allow them in the state. I guess XXXX State had some kind of problem with this company in the past.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2016-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had a mortgage loan with Ocwen/ GMAC that was paid in full in 2006 as of today it does still as open on my credit report
Company Response:
State: MA
Zip: 01867
Submitted Via: Web
Date Sent: 2016-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No