Date Received: 2016-03-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage servicer, Ocwen, has flagged my account for the next six months as to only accepting payment in certified funds. This action was due to XXXX insufficient funds transactions within the last six months. No warning was issued or notification of this policy given. Speaking with their customer service is unnecessarily burdensome with multiple account verification at each step, so much so as to suggest a deterrent and not professionalism. I 've been contacted at work numerous times to the point where I requested a note be put on the account for contact after XXXX. Speaking with an " escalation manager '' only resulted in additional frustration. After missing his return call due to being on another line I was unable to reach him that night after numerous attempts. A week later he got back with me and although he called me at my listed phone number he insisted on account verification and was unwilling to shorten the process even after I had identified myself. I do n't consider that customer service, the cumbersome and repeated verifications within their system forces a 10 minute call into 20 minutes. Their policies discourage contact, they institute them without warnings and attempt to harass with phone calls at strategic intervals.
Company Response:
State: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2016-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I 've filed a complaint about this problem before with CFPB. Ocwen Financial Services, LLC is my current mortgage service provider. For two years now, Ocwen has insisted that my mortgage payments are late or insufficient to cover the PITI payment. The geneses of the problem lies in the fact that Ocwen placed force insurance on my loan at premiums well above XXXX $ US. In fact for the past two years, the insurance company, Insurance broker and myself have sent to Ocwen proof of insurance via letter, fax, emails and phone calls. Ocwen does not have proper internal administrative computer systems to resolve the mortgage payment issue and still insists ( even after Ocwen said I was correct and they would fix the problem ) I am in arrears with my payment. As a result Ocwen has assessed me late payment fees, property valuation fees, Default notice fees etc. I have made all my payments to Ocwen. And if any payment was late, I did include a late fee.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2016-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have a property in contract for sale scheduled to close by XXXX XXXX, 2016 to a qualified buyer. At the same time, there is a Trustee Sale on the property scheduled for XXXX XXXX, 2016. I requested Ocwen ( the lender ) to postpone the TS for XXXX weeks. I told them they will be paid in full ( this is a line of credit on the property ). They said they ca n't do anything about it at this time and ask me to call the attorney 's office who is handling the sale to see if they can do something about it for me. I talked to the attorney 's office and they said it is up to the lender to decide and sent me back to talk to the lender. I was given a Relationship manager name of XXXX XXXX and a phone number to contact her at XXXX XXXX XXXX. Unfortunately, no one by that name ever answers the phone. I have been calling several times and each time, a different person would tell me to do this and that but no one seems helpful. I understand the lender wants to be paid as soon as possible so I do n't understand why they are not interested in helping me out so they can get their money.
Company Response:
State: CA
Zip: 94133
Submitted Via: Web
Date Sent: 2016-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: PLEASE NOTE THAT I ONLY HAD THE CHOICE OF XXXX COMPANY BUT THIS COMPLAINT IS AGAINST : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reasons to believe that the documentation used to file a foreclosure action against me are fraudulent. The Assignment of Mortgage that supposedly assigns the mortgage to the Plaintiff in the case, XXXX XXXX XXXX XXXX, is fraudulent for the following reasons : 1. Assignment assigns the mortgage on XXXX XXXX, XXXX to XXXX XXXX trust. This is not possible because this trust closed in XXXX XXXX. Two years prior to the assignment of mortgage. 2. The assignment assigns the mortgage to the trust approximately 20 days AFTER the filing of the XXXX XXXX to Foreclosure and the Foreclosure Complaint. This would make it impossible for the current plaintiff, XXXX. Bank XXXX XXXX, to file the complaint because they would not have had standing at the time they filed the complaint. 3. The assignment has a clause backdating the date it was filed in order to serve their purpose. This is considered fraud specially when the Note bears no date to show that in fact that note was assigned on the backdated date. Backdating an assignment is a fraud and would make it null and void. 4. The assignment of mortgage was signed by XXXX XXXX and notarized by XXXX XXXX XXXX, known robosigners. 5. The assignment of mortgage was prepared and filed by XXXX XXXX XXXX, foreclosure mill attorney who was disbarred for using fraudulent documents to file foreclosure complaints. 6. In searching the XXXX records for XXXX XXXX, the mortgage loan in question does not appear anywhere in the mortgage loan tape of the loans that were part of the XXXX XXXX trust. 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX during the foreclosure process in XXXX they provided a note which was endorsed and it stated : Pay to the order of XXXX Bank XXXX XXXX as trustee for XXXX XXXX without recourse and signed by XXXX XXXX. 5 YEARS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided to bankruptcy court during my bankruptcy a note with a blank endorsement. This is after an original with an endorsement had been provided to the court. Honestly they must have magical powers to be able to remove and endorsement that is endorsed to XXXX Bank XXXX XXXX as trustee for XXXX XXXX and then 5 years later the note that is provided in Federal court has a blank endorsement and not endorsed to anyone. Again, this is fraud. I sent letters to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Bank XXXX XXXX, the judges presiding over my case, the Chief Judge and the Foreclosure Administrative Judge and to the clerk of XXXX XXXX XXXX Courts requesting a full investigation of these allegations and requesting proof that they in fact own said mortgage but have never received complete and concrete answers to any of my suspicions nor has an investigation been done on my land records or court records. Although I have requested answers and clear and definite proof with documentation as to their ownership of said mortgage and note to date, my questions have not been answered and no documentation showing clear and definite proof of their ownership of said mortgage loan has ever been provided. I keep on getting the runaround from everyone and all they do is response with things like, it is legal to backdate an assignment of mortgage or there is no fraud. I am attaching a letter that I sent to XXXX XXXX XXXX Mortgage Fraud Department with all my concerns. None of my concerns have been addressed nor have they provided any documentation proving that they are in fact the owners of said mortgage and note.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2016-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen refuses to help people still. My husband has repeatedly tried to switch our mortgage payment to the back of the month. Instead Ocwen has refused continuously and without fail to accrue over {$2700.00} of late payments. They are horrendous work with, all calls go to XXXX and in XX/XX/XXXX took money out of the wrong bank account, leaving us with a default, and our mortgage not paid that month. This was the one time my husband paid via a real human at Ocwen, instead of the automated phone pay. We were sent an intent to foreclose on XXXX/XXXX/16 certified mail after missing only one payment and the added {$2700.00} of late fees they assessed. This included the overdraft charges that Ocwen accrueddue to this, adding {$93.00} to a late payment of XXXX, costing me another {$160.00}. They have no scruples, ethics, or morals. I took a pension loan and was able to cure the default in XXXX payments before the XXXX XXXX deadline given in the Intent to Foreclose document, & for this they added another {$73.00} of late fees to my account. I called on XXXX/XXXX/16 and asked to be switched to the XXXX. I was switched to XXXX ID # XXXX. I explained to her how I cured the default as I did not want to lose my home, and was calling now about the late fees of {$2700.00} that had been levied against us. My husband is self employed and I myself only get paid twice a month on the XXXX and XXXX. We have been unable due to this to pay before the XXXX, being assessed a late fee each time. Our mortgage payment is larger than one of my bimonthly checks, so it has been a real struggle. The economic downturn has effected my husband 's business of construction. He recently got a job in XXXX XXXX with another company and is doing well now but it has been very difficult for us. We did not want to do a Loan Modification as we knew this would greatly effect our credit and our ability to refinance with another company.XXXX was very helpful and patient with me. It is not her, it is Ocwen that is the problem. She put me on hold several times to try and see if something could be done about the late fees assessed but was unable to do anything. I believe she did try on her own. I needed to even know where to send the late fees since the automated system does not tell you. XXXX tried to navigate that, and said she would put a flag on our account that notifies representatives that any additional money sent in goes towards the fees ( late ) not the principal. At the end of the call she gave me the address of the Research Dept that I could send a letter to explaining my situation and asking for late fees to be reduced. I appreciate XXXX she was leaps and bounds above speaking to a rep in XXXX, however, my situation has not been remedied. Ocwen has a terrible track record, the CEO has been forced to step down, all kinds of illegal activity. They refuse to work with consumers really. They want to force you into Forceclosure..1 missed payment that they caused by taking the money out of the wrong account! They send me a letter to Foreclose for this? They add late fees over and over ... They refuse to help mankind. What has really changed at Ocwen? A new CEO? We need real help for consumers. Where was our Bail Out? At the end of the day, I want Ocwen to work with me and to greatly reduce the late fees they assessed XXXX hard working adults, that are just trying to survive. Hardworking in NJ
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On or about XXXX XXXX, 2016, I submitted to my servicer a loan modification request. They accepted and when I called back approximately two weeks later, Ocwen told me very rudely that they can not accept my request for workout assistance because the owner of the loan does not participate in modifications. They are not offering me any sort of options to foreclosure. How can the investor not abide by California laws designed to help people who are in distress. Also, each time I call Ocwen they are very rude and I have asked for Spanish speaking agents and they flat out tell me there is none. I believe Ocwen is headquartered XXXX and they simply do not understand Ca laws, nor that they are discriminating against people like me who feel more comfortable to speak in native tongue.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-10
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I purchased a home in XXXX Colorado in XXXX of XXXX that I had financed through GMAC Mortgage. As a result of a divorce, I was forced to file bankruptcy XXXX XXXX, XXXX, and the bankruptcy was discharged on XXXX XXXX, XXXX, and was closed as a no asset matter. GMAC filed a motion for relief from stay in the bankruptcy, and obtain permission on XXXX/XXXX/XXXX to foreclose on the house. Rather than foreclose on the house, GMAC sold the loan to Ocwen Home Loans. Ocwen Home Loans has sat on the house for the past five years, and has not foreclosed or taken possession of the property. Because GMAC sold the loan instead of foreclosing, and the fact that Ocwen Home Loans has sat on the house for the past five years, I can not be approved for a loan to buy a home for my family to live in. I was discharged from the mortgage over five years ago, but because of something out of my control, I can not be approved for a home loan.
Company Response:
State: IN
Zip: 47374
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage is being serviced by Ocwen Loan Servicing. This company is a horrible company to deal with. I have read nothing but bad reviews and complaints on the XXXX website and I wonder who is looking into this company. Their practices and policies are outside of the scope of normalcy and all they seem to do is charge fees and set unrealistic goals for homeowners. I had fallen behind on my payments and tried to get a modification through the government program for that but was told by Ocwen tht I did not qualify but was not given a reason. So, their solution to that was to give me their version of a modification. The payments were within my budget but I fell behind again because of a medical situation and high medical bills, I am consistently 2 months behind and was told recently that I could send in " extra '' money to catch up, which I started doing but am now being told by my " relationship manager '' that it is not going to help. They keep pushing me toward another of their in-house modifications, which I am sure only serves their interests. The only other alternative is to ut {$1000.00} down on a repayment plan and pay $ XXXX/month for 5 months. I told them if I was having trouble paying $ XXXX/month for my regular payment then how could I pay {$1000.00} down and {$1200.00} for 5 months? They said it is the only way other than doing another modification. I am getting foreclosure threats from them in the mail. Also, when I have the money to send to them, I can not pay it online without a fee because they penalize anyone who is late by not allowing them to pay online without a fee to do so. There is no way to make an immediate payment without being charged another fee. So, I am forced to mail my payments which take weeks to clear, and more late fees are charged. It is a no win situation for any struggling homeowner whose loan is serviced by this company. All one has to do to understand how bad this company 's practices are is to go to the following : XXXX I am afraid of losing my home and have tried every reasonable thing to get myself current with them but they are not willing to be of much help. Also, I think it is a common complaint that this company, or at least its call center, is in another country and that the representatives are hard to understand. I pressured one of them into telling me where they were and was told XXXX on one occasion and XXXX on another. This company does not have the best interest of American homeowners in mind. They only care about making money by fees and unrealistic goals set to make it hard for homeowners.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On or about XXXX XXXX, XXXX, I was approved for a modification., my trial payments were to begin on XXXX XXXX, XXXX through XXXX XXXX, XXXX. I called and set up automatic payments to be taken from my account. I notice in XXXX XXXX that the first trial payment for XXXX was not taken out. I do not speak English so I had my XXXX year old daughter help to call Ocwen, they do not have anyone speaking XXXX to help me. They keep hanging up on me and do not help me with situation. Now they are saying to resubmit again. Why I should do that, i have the money to pay them, plese help they are discriminating against me because of my nationality I am XXXX.
Company Response:
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have made numerous extra payments to Ocwen Loan servicing for my mortage. According to the online payment information, Ocwen holds payments in suspense and credits whatever amount it chooses to principal, but each month send me a letter that I am past due. They should be put out of business, but I would settle for my account being corrected. They do not return emails and if they call they do not speak English..
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2016-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No