Date Received: 2016-03-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX, 2015 I received an email from a XXXX XXXX regarding " renting '' my home that I am currently living in. She said she wanted to know if it was still available? Left her email and phone number for me to contact. Upon contacting her I advised her that my place is not for rent and demanded to know where and who she obtained my personal email, name and phone number from. She said she joined a website called date.capitol and that my property was listed by my mortgage company. My mortgage company is Ocwen and my mortgage is currently current. Two months prior I had been late with my payments, but since then I have brought the account current. I immeditaly contacted Ocwen to find out if they had my account in a foreclosure status because the date.capitol website indicated that they dealt with foreclosed properties?? Of course, they told me that my account was current and that they would never sell my personal information. This is NOT true, how else would this company receive my personal information, email and cell phone. Ocwen has that information is selling homeowner information to fraudulaent websites and companies. I am very concerned about dealing with Ocwen and this person contacting me to inquire on renting my house? Ocwen is giving my personal information as if I 'm getting ready to foreclose and selling my information to fraudulent companies. I need help in investigating this. Again, the lady I spoke with said she joined this website for {$120.00} and was told that the information is inside info coming directly from the lender! In this case OCWEN.
Company Response:
State: CA
Zip: 90301
Submitted Via: Web
Date Sent: 2016-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-02
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I obtained a second mortgage on my house ( which I have owned for 26 years ) through my then brokerage firm, XXXX XXXX ( XXXX ). The loan was sold in approximately XXXX and Owen Loan Servicing was the servicer of the new loan. I called Owen when the loan was sold, and they assured me that all I needed to do was to keep making payments as I had been doing. The process with XXXX was easy and automatic. My broker never went into the real details of the loan. I was required to make interest only payments. What was not made clear, was the loan had a set term and would be called due in full at a certain date. I understood that seconds have a draw and then a pay down period. The second was called for full payment on XXXX/XXXX/XXXX. I called Owen to determine if there was a next step. The customer service representative at Owen suggested I apply for a " loan modification. '' I had every confidence that this was the right course of action. I thought I would keep paying on the loan and eventually pay the loan off, of course. I sent a payment in after my loan was called and Owen sent it back. I was stunned. I called Owen and they said that I could no longer make payments because I did n't have a payment agreement. I continued in good faith with the loan modification process, which I was wrongly put into in XXXX XXXX. After numerous requests for additional documentation, which stretched from XXXX to XXXX, XXXX, I was DENIED. I could n't believe it. In fact, the last letter from Owen dated XXXX/XXXX/XXXX asked for information regarding the Profit Loss Statement from my small consulting practice. I had already given them XXXX Profit Loss statements. I called and ALL the needed was a signature on the last Profit Loss statement. Then I received a letter on XXXX/XXXX/XXXX saying I was Denied because " the owner of your loan does not allow loan modifications. '' I was told, in writing, the owner of the loan was XXXX Bank. I called XXXX Bank and they told me that they DO allow loan modifications. However, they had no record of my loan. I called Owen back and Owen could find no record of my XXXX loan no. i became quite upset, my call was escalated and they said my loan holder was XXXX XXXX Bank. I found that XXXX XXXX Bank no longer exists. Up until XXXX XXXX, I fully believed that my " loan " modification process '' with Owen was conducted in good faith and would be successful. After all, all they needed was a SIGNATURE on the last document request. This has been a very frustrating and demoralizing experience, as you can imagine. I just want to make my mortgage payments and go on with my life. Unknown to me during this time, and MOST problematic, was that Owen had been reporting late payments to credit bureaus. Which I now understand is called a " rolling late. '' This rolling late has caused my credit scores to plummet and make it nearly impossible to obtain refinancing. Also, because Owen would not allow me to keep making payments during this period, I have now accrued interest on interest. I am trying to refinance this second with another lender, however, lenders will not accept refinancing with even XXXX late mortgage payment within a 12 month period. I feel like a " pawn '' stuck in the XXXX XXXX. My entire problem started with the first customer service representative that wrongly put me in a " loan modification process. '' I ask that you help me with this situation so that I can obtain a loan with a different lender. At this point Owen has hamstrung me! I have read many horror stories online about Owen putting other decent people in the exact same situation. Thank You.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2016-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX and XXXX Subject : Ocwen Loan Servicing , LLC Phone # XXXX Loan #. We have a major problem with Ocwen Loan Servicing. Ocwen foreclosed on our home XXXX XXXX XXXX. They refused to go over our Deed in Lieu after they made a critical mistake on the documents sent to us to SIGN. Ocwen left out XXXX XXXX XXXX lien then claimed we were late however they would view our paper work. They have for closed on this loan and the tenant has stopped paying rent. We do not believe how inept Ocwen is - now everybody lost. After receiving papers back their information was not correct - they put on the form that we did not have a XXXX mortgage - tried to get me to sign & send with a " Trust Me '' statement. I informed Ocwen of our problem and they gave me new blank sheets of paper we ultimately filled out for a " New Deed In Lieu ''. We corrected the mistake which was the XXXX lien holder they left off of our home with XXXX XXXX XXXX. We have a tenant and a broker however tenant NOW will not pay rent due to for closure of Ocwen. Ocwen will not honor the rent payment - non of this makes sense, we lost the tenant, she is suing, manager is upset, we are upset, everybody is loosing. They are now asking for my income for last two years. I received SS of XXXX in XXXX and spent the time caring for my wife - XXXX. In. XXXX we lost {$71000.00} due to economy and real estate. XXXX
Company Response:
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2016-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-02
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: We paid OCWEN the final balance owed to them on XXXX. The original loan was with GMAC who sold it to OCWEN. My husband and I are trying to get a loan against our house. The original loan was paid in XXXX XXXX. The second loan was paid on XXXX XXXX. We currently do n't own anything on the house. The only thing keeping the loan from being approved is ... ..OCWEN NEVER sent a lean release to the County, nor did we receive anything from them. I 've called at least 5 times, getting a different answer every time. The most recent, I was told that a copy of a letter stating that the loan had been satisfied would be emailed to me on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, XXXX XXXX Central time I have yet to receive it. The person I contacted today told me it would take 5 to 7 days to get the email. I asked why it took so long and was told that 's how long the process takes. We need to have the remodeling complete by the end of XXXX XXXX in order to sell our house because we will be moving out of state. Is there anything I can do to expedite this process of getting the lean removed?
Company Response:
State: MO
Zip: 64133
Submitted Via: Web
Date Sent: 2016-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Having received a reply from the history of my loan, XXXX XXXX, who went bankrupt and gave out faulty and or predatory loans, Litton loan who has had its ' owner purchase shares of new loan servicer with indemnity clause and finding knowledge of hedge funds and investments traughs that may have been awarded compensation on the note of my property, wanting to stay in home with a workout solution with added income. The persistence I have had to provide a home for my family and XXXX childs needs as a hardship said earlier, leaves me a pursuit to quiet title on residence for a additional loan audit which was securitized XXXX, XXXX XXXX having legal issues with real estate domestic and abroad. Having XXXX a year income since XX/XX/XXXX makes me want to cure with findings a lodgical solution with aided government help to see all is legal and done properly. The signing of papers from a censured attorney and a attorney that was sent to jail ( XXXX XXXX ) for mortgage fraud and other legal issues have hindered my resolve but to add more delays. Please find a happy Medium that a arbitration can produce a mediation that works for all involved. Ocwen, XXXX XXXX XXXX, XXXX XXXX.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2016-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: A short sale contract/offer was submitted to Ocwen on XXXX/XXXX/XXXX. Though a file manager was assigned on XXXX/XXXX/XXXX, and though I spoke and exchanged email with escalations, and though the file was identified as requiring a loan modification offer and denial in XXXX, the file has still not been deemed complete.
Company Response:
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2016-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This complaint is against Ocwen Loan Servicing. I have been overcharging by escrow, my annual XXXX City tax assessment {$3400.00}, and Ocwen was charging {$400.00} together with my Mortgage, it totals {$4800.00}, there were {$1300.00} overpaid every year. I made a complaint with Connecticut Attorney General already and they advised me report to your agency also. On XXXX XXXX Ocwen was already ready to increase my escrow charging {$450.00} every month, that makes {$5400.00}, so I cancelled, my escrow and decided to pay my taxes myself starting XXXX XXXX. But on XXXX I received a letter from City of XXXX, stating on an unpaid tax assessment date XXXX/XXXX/XXXX and the due date XXXX/XXXX/XXXX. When I reported to the CT General Attorney, they replied that, I had to pay, since I had no escrow anymore, but this letter is from XXXX and not XXXX, the due date is XXXX, but was from XXXX. What did they do wit the money they collected from me? This is an unfair practice, and Ocwen is raising every excused to cover their mistake, and XXXX Home Owners in the United States, are about to lose their homes because of these scams.
Company Response:
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2016-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-02
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: While I have another complaint in on Ocwen Loan Servicing regarding my " Work Out '' Remod loan and I am dealing with that, I had this conversation with their Ombudsman Office this week and was quote alarmed. It seems that Owcen Loan Servicing 's Right hand does not know what the left hand is doing? They were showing that I had agreed to a Deed-in-Lien, which I never did? This has caused a real problem on the process of a remod loan. The below is a summary of that discussion and I am asking your agency to get involved in the matter. I am also coping my HUD representative and Congressman 's office. Thank You Conversation with Ocwen Office of the Ombudsman - XX/XX/XXXX Ocwen Loan Servicing XXXX XXXX Office of the Ombudsman Loan # XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXXXXXX XXXX ; As per our conversation today, I HAVE NEVER, agreed to a deed-in-lieu of foreclosure and have always been involved in a " Work Out Program '' for a loan remodifcatiion. The current paperwork my relationship manager has with your company indicates the same. You indicated the reason the trustee sale for our property dated XXXX/XXXX/XXXX was placed on hold was due to a problem with a clear title and you were going to go back immediately and get this resolved so the property will not be rescheduled again for a sales. I have always wanted to KEEP the home and have never wanted to turn the home over. If that was the case then why? have I been working with your relationship managers since XX/XX/XXXX to get a remod completed. I have also asked you to reach out and make sure my relationship managers superior calls me ASAP to find out why I am having to completely fill out a new workout package again for the fifth rime?. Someone did call me last week ( believe a supervisor ) but the only message they left was to call the customer service number. That does me no good! Please have someone call again and if I am unable to take the call, leave a number a can call them back! I did receive a partially completed packet from my relationship manager and he did ask for a signature and to return back to him, but only part of the packet was completed? I need to get clarification from his supervisor ASAP. Finally, I am very upset that this has not only taken almost four years, but now your company is trying to say I wanted to turn my home over to Ocwen when in fact, that is the opposite. We are also waiting on a response to our demand letters, which you have said a response would be back by XXXX/XXXX/XXXX to the Consumer Finance Gov, Congressman 's XXXX XXXX office and myself. In summary, their first response is very disappointing and one that is totally unacceptable. I hope to get our new response going ASAP.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-02
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I represent buyers of a home owned CVF III Mortgage Loan Trust II ( hereinafter CVF ). CVF is the owner as a result of a large securities purchase from Ocwen Loan Servicing , LLC . As part of this transaction Ocwen must provide a quit claim deed to CVF that would provide CVF with the proper authority to sell the property to my client per the contract we signed XXXX/XXXX/2016. A quit claim deed was sent to Ocwen on XXXX/XXXX/16 for execution. As of today they have still not executed the Quit Claim Deed. My client was scheduled to close on XXXX/XXXX/16. As of the end of this week he has no where to live and was relying on the seller 's to provide clean title as of this date. CVF has been working diligently and requesting the executed quit claim deed from Ocwen daily for the last 5 weeks. Ocwen can not provide a reasonable explanation for the delay and is almost certainly in default of their contract to sell the security for not providing the Quit Claim Deed.
Company Response:
State: CT
Zip: 06067
Submitted Via: Web
Date Sent: 2016-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-01
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I submitted a claim against QCWEN, the same outfit you appointed as ombudsman to manage recovery funds for individuals damaged by QCWEN et al. Ocwen refused to communicate but later they told me they had no proof of my standing on home I inherited from bu deceased son. Even though I provided court documents whereby I was appointed executor they still refused to provide ANY data or information on the home I became the owner of by court order. Its been yet another year later and QCWEN continues to advise my status for ferund of damages I incurrered. CFPB, in fact has been advised of this numerous times and all I get is rejection. I am XXXX, XXXX vet who will no doubt predecease any recovery. My question is WHY DOES CFPB NOT POLICE THE OMBUDSMAN THAT CFPB APPOINTED TO LAWFULLY DO THE JOB IT HAS BEEN ORDERED TO DO? I have been failing at every trun to gain assistance on this, the earliest matter OBAMA charged XXXX XXXX to police? Why does CFPH ignore my ongpong requests for help? Regretfully as I write this I seriously doubt I will obtain any help from CFPB, but I will die trying. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2016-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No