Date Received: 2016-02-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our loan appears to have several issues surrounding the mortgage assignments, loan transfers as well as recordings with our local property county accessor 's office here in XXXX County, XXXX. Our loan was originated by a fraudulent mortgage company based out of XXXX, XXXX named XXXX XXXX which was notably shut down for origination of predatory lending, and an assortment of illegal venues. The loan was the sold to XXXX XXXX, from there it was transferred to XXXX XXXX XXXX and XXXX XXXX XXXX was shut down, following XXXX XXXX filing bankruptcy XXXX XXXX, XXXX. According to OLS my loans custodial servicing rights were transferred from XXXX XXXX XXXX on XXXX XXXX, XXXX, how is this possible? Furthermore, it is highly questionable that OLS, is in procession of all necessary sale affidavits, my allonge to the note as well as the additional applicable documentation that has been demanded of OLS. OLS, has possibly falsified and distorted the chain of title to our home and are attempting to force our home into foreclosure.This debt has been long disputed multiple times with multiple servicers with relation to the origination and predatory nature of my loan.XXXX, failed to protect my future financial interests and ultimately forced my loan into foreclosure as a result of ignoring basic underwriting guidelines as well as violations to The Real Estate Settlement Procedures Act ( RESPA ) which prohibits unfair lending practices. Furthermore, there has been unfounded and incomplete evidence provided by OLS surrounding that the above mentioned loans origination, chain of title and assignments are unclear.Due to the OLS, failed response to my issues, I 'm considering raising this matter in the Court as I feel it may be the proper venue for action under 28 U.S.C. Section 1391, because XXXX or more of the Defendants maintains executive offices in or conducts business in the district relevant to where real estate is located in this concern. The interagency Statement on Subprime Mortgage Lending enumerates certain tactics that may indicate predatory lending. Nonprofit groups have also published widely accepted guidance on these kinds of practices that may constitute predatory lending. Predatory loans typically combine risky loan features, thereby placing the borrower at an excessive risk of default or foreclosure.For purposes of this Complaint, " Combined-Risk Loans '' are loans that meet the definition of high-cost loan under HMDA. HMDA, which is an extension of The Home Ownership and Equity Protection Act ( HOEPA ) and enacted in XXXX as an amendment to the Truth in Lending Act ( TILA ) to address abusive practices in refinancing and home-equity mortgage loans with high interest rates or high fees. Loans that meet HOEPA 's high-cost coverage tests are subject to special disclosure requirements and restrictions on loan terms, and borrowers in high-cost mortgagesXXXX have enhanced remedies for violations of the law.XXXX ( XXXX ), was incorporated under the laws of the State of Delaware. In subsequent paragraphs of this complaint, XXXX MORTGAGE will be referred to as " XXXX, '' " the lender '' or " the defendant. " XXXX 's business includes engaging in residential real estate-related transactions and regularly extending credit to persons. XXXX, as an entity whose business included engaging in residential real estate transactions -- including home equity lending as well as home purchase and refinancing lending -- is subject to the requirements of the XXXX XXXX XXXX, as amended, XXXX U.S.C. XXXX. XXXX is also a creditor as that term is defined by section 702 ( e ) of the ECOA, 15 U.S.C. 1692a ( e ), and is, therefore, subject to the requirements of the ECOA and its implementing Regulation B, as amended, 12 C.F.R. Part 202, in effect on or after XXXX XXXX, XXXX. ******CONTINUE COMPLAINT PART XXXX OF XXXX
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2016-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We could not make our mortgage payments. We tried to do deed in lieu. Ocwen Loan Servicing kept sending us letters that are deed in lieu is the process. We tried doing a short sale before that but do to storm XXXX no one would buy. We waited almost 3 years with a run around from this company saying are deed in lieu is in process. Every time we tried to contact them they said they are missing a paper. They would say same thing no matter even when we resubmitted it. No would ever contact telling they needed the info. They told us that we did n't have insurance. To make a long story short, they basically made us wait so are bills would be outrageous. They finally accepted the deed in lieu last year. Now the tax XXXX says house is only worth XXXX. That is a total lie. My tax consultant said I would owe about {$40000.00}. They should be responsible since I had no way to contact these people. They outsourced calls to XXXX. No one ever listened to you. They would say I would have to wait.
Company Response: Company believes the complaint is the result of a misunderstanding
State: NY
Zip: 11801
Submitted Via: Web
Date Sent: 2016-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Good morning, I really need your help! I did a Loan Modification three years ago, in XXXX XXXX, with Homeward Residential after going through years of hardship due to my loss of income ( real estate ), my husband had XXXX at the same time and I was his caregiver for several years. Within 30 days of signing the loan modification paperwork with Homeward Residential, this loan was acquired by OCWEN. OCWEN informed me via regular mail that they had acquired my loan from Homeward Residential. I phoned Homeward Residential and they would not speak to me about this matter, only said the loan was acquired but could not confirm with whom. I then began calling OCWEN since the mortgage statements they were sending me were not reflective of the Loan Modification I had just signed with Homeward Residential. Ocwen reps kept apologizing to me, telling me that it could take months for the loan mod paperwork to be transferred from one lender to another. Also, I was told a different story by their reps each time I phoned Ocwen. I am a XXXX and I took notes of every phone call. Finally, after many months, I asked Ocwen if they wanted my executed copy of the Loan Modification with Homeward Residential. They said yes and I did sent it to them. I believe this is their only copy. Since then, I have been trying to resolve this matter. Telephone calls between me and their Relationship Mgrs took place every 2 weeks for 3 YEARS where I was told numerous stories by their reps in XXXX. ( Again, I took notes on each call ) At some point I was told since they never got the proper paperwork from previous lender that I needed to start a new loan mod application with OCWEN. I did so. Twice, in fact, over the past 2 years. The first time the application sat in the wrong dept ( short sale dept ) and then it floated over to the Bankruptcy Dept. This went on for 8 months or so. I kept telling them that the original loan modification with Homeward Residential took only 30 days for approval and I asked numerous times what was the problem causing the delay. No rep could explain why. During this time the documents became outdated and I would have to sent in numerous updated documents, and I complied with their requests each time. And I have copies of all. Finally, I was told to start a second application for a Loan Modification with Ocwen. This was painfully slow again, and with documents becoming outdated again, and I would have to resend in numerous documents to keep the application process updated. And I was speaking to Relationship Mgrs in XXXX every 2 weeks. It was also a year ago that I was advised by another lender that Ocwen had to honor the original Loan modification that I had with Homeward Residential. ( which Ocwen had acquired ) Since that time, I have been asking Ocwen to honor the original loan modification dated and signed in XXXX XXXX. On XXXX XXXX, XXXX, I contacted Ocwen 's Ombudmans Office and told XXXX XXXX XXXX my story. I also mentioned to XXXX that the loan I had with Homeward Residential in XXXX XXXX was never recorded properly. I had learned that the title company had recorded it in error on another home I owned. That home was sold and the mortgage was dismissed in XXXX. The Loan Mod that I had was from this mortgage note that I was unable to make during the mortgage crisis that took place in XXXX. ( As a XXXX of {$1.00} XXXX on the XXXX contracts I lost for new homes to be built in XXXX XXXX, Florida ). XXXX XXXX said he would do his research on this matter to see if even a mortgage existed. Last night, I received a SUMMONS from Clerk of the Court in XXXX XXXX Florida with intentions of foreclosing on my home! I have 3 years of documents & notes so will be hard to send these as they are not scanned into my computer. But I could copy & send via XXXX. Please advise me!
Company Response:
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2016-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am filing a complaint against Ocwen Loan Sevicing. LLC.I am in the process of filing a " Deed in Lieu '' on the property, XXXX XXXX XXXX XXXX XXXX, WA XXXX.Ocwen is stalling on this process. They do not have title to the property so they ca n't release the property as a short sale or a deed in lieu. Lien title holder is XXXX XXXX. XXXX is under fraud investigation.Ocwen sold the XXXX lien to XXXX XXXX. They are selling something they do n't own. Ocwen has defrauded me of all payments made. Ocwen is not entitled to receive payments as they are not on record.
Company Response:
State: WA
Zip: 98022
Submitted Via: Web
Date Sent: 2016-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-12
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: In XXXX, 2012 we sold our home in XXXX Ga. and Ocwen Financial corp. was the mortgage holder. We had a XXXX and XXXX mortgage with Qcwen. At closing, XXXX our notes were paid in full. Today, 4 years later we later, we find out that they are still showing an unpaid balance of {$97000.00} and {$12000.00} on our credit report.
Company Response:
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2016-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: on XXXX XXXX, XXXX, I was approached by my cousin, she told me that she needed me to help her, she said she needed me to go on title for six months, after she pay the mortgage on time for six months, my name would drop off title, we had to prove that we were related, and they did what they called a quick claim, after that they started the same process that they had did with me the night before, and I asked her if this is the same thing that we did the night before, because I do not want to by your house, I just bought my house last night, she took out {$8000.00} that night, had 90 days to pay the first mortgage, was late, they were late for 47 months, did pay for 24 months and paid on 3 months because her God father pay it with his credit card, she use my name ssn # birthdate address to setup an account with the mortgage company, I could not go online to check the accounts, both my mortgage and hers were held by the same mortgage company, she called the mortgage company and had the mortgage statement sent to her house, I had to go there to get my statement, XXXX XXXX, XXXX I XXXX, had a total of XXXX XXXX, spent many months in the hospital and XXXX, while I recovering, she was in constant contact with the mortgage company, keeping them for foreclosing on the house, all the this time they were using my ssn #. All this time I am thinking everything is getting paid, because I was not receiving calls from the mortgage company, that is because she had rerouted all communication to her phone and house, XX/XX/XXXX, I was served a judgement through my nephew at my Mother 's house for {$350000.00}, that is when I first discovered that was trouble, I later found out that the judgement was served at her house, she never informed me, by the time I was served, they had already defaulted on the judgement, so I started looking into what was happening, she had done so much damage, that it was hard for me to deal with the mortgage company. I found out that she did a quick claim and sold it to me the same night, so I had to evict her, because she would not leave, made spend money on attorney, sheriff, and court cost, I ask to do a deed in lieu of forecloser, they agreed, and when they called to inspect the house she denied them access to the house, so the mortgage pulled plug on that. I was given a relationship manager, she gave me a lot of information, mainly after, I was released from deed in lieu, and why, I found out that there was a lean on the property, that was placed on the property XX/XX/XXXX, so they could not take the property back because of that, that is why she did the quick claim, to hide the lean, so she can sale me the property, I hire XXXX Attorneys, XXXX took my money, and did nothing, would not answer or return my 74 calls, and the other XXXX has not done anything. I am XXXX XXXX, I have gone to the police department, to press charges for identity theft, but her mother is the XXXX, and they called a civil case and would not investigate, I also went to the Postal Inspector, for mail theft, and changing address on my mail, still waiting to hear from them
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2016-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I lost my job because I have XXXX XXXX I can not work like I used to, and got behind on my mortgage but the first time I sent payments to OCWEN but they refuse the payments and send them back to me. I called them and they said they would only take a payment if I did the payment through them. I did this they wanted XXXX dollars every two weeks. This is XXXX more than my mortgage. I told them I filed for help and modification and forbarence but they said it did not matter I had to pay them. I told them I would do it the first two times but then I went back to making the payment through my bank which they return a payment again. Can they return my payments when I am making over my monthly payments? I told them I finally got a new job but it may take me a few to get caught up. They stated ok but I need to only pay through OCWEN not my bank. But they charge me a fee to do that and my bank does n't. OCWEN also charges to mail stuff to my house and inspect my property which my house has never been inspected from OCWEN. I keep getting letters to file for a modification but I have several times. No response. I just want to pay my mortgage and get caught up. This is the third time this company has messed with taking my payments, raised my mortgage and when I call and ask why they always say it is taxes or escrow, I just want my loan to be modified with a decrease in payment or go to a different servicer. I just want to pay my mortgage and keep my home.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2016-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: 1. I obtained my home mortgage in XXXX. OCWEN is the third holder of the mortgage but the first and only to contact me repeatedly with various demands since they took over the mortgage in XXXX. 2. OCWEN asked for and I sent them a copy of my SSN and XXXX. I had to send it to them about 5 times total by mail, fax and email because they kept calling me non-stop including Sundays despite assurances otherwise claiming not to have received them. 3. In late XXXX, OCWEN asked for my evidence of insurance. Although, I had never been asked for this evidence by any of the prior mortgage holders, I dutifully sourced it from my HOA and uploaded it to their designated website. This month OCWEN has come back to say that my insurance does not include " Betterments and Improvements '' coverage and as a consequence they have purchased the XXXX coverage for me at {$630.00}. 4. In XXXX XXXX, OCWEN notified me of increase in my interest rate from 7.125 % to 7.500 %, hence my monthly mortgage from {$710.00} to {$730.00}. I believe that OCWEN is incompetent and fraudulent based on the preponderance of similar complaints against them online. I seek your protection from OCWEN.
Company Response:
State: TX
Zip: 77036
Submitted Via: Web
Date Sent: 2016-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This morning, XXXX XXXX, 2016 I received consistently annoying calls from Ocwen Loan Servicing company on my landline used primarily for my home security system beginning at XXXX from one of their call centers out of XXXX . When I picked up the phone and said hello there was silence then a click as though my voice was being recorded then they hung up. The phone calls continued back to back consistently till I left the house at XXXX. Someone was purposely dialing, and/or pushing an automatic call button to annoy me early in the morning. They were harassing me and causing a lot of mental stress for me and my household.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2016-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received a letter from Ocwen Loan Servicing transferring my mortgage to XXXX, XXXX. I called Ocwen and they told me payment through their website would still work so I made XXXX 2016 payment through their website. I checked my bank and did not see a payment. I went to Ocwen website and did not see the payment. I called Ocwen and they were eager to refer me to the new servicer at XXXX. The Ocwen customer service agent either lied or was ignorant about being able to pay through their website. Then when I called to inquire, the Ocwen customer service agent hung up on me when she was unwilling to help. Very unsettling knowing people like this is handling my loan.
Company Response:
State: CA
Zip: 94116
Submitted Via: Web
Date Sent: 2016-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes