Date Received: 2016-02-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: If you make your payment on line and it is the XXXX or after they charge a {$10.00} Rush fee - even though the payment is not delinquent ( assessed a late charge until the XXXX ) There is no way to pay your payment on line after the XXXX with paying this fee. Additionally, if you pay after the XXXX of the month they assess a late charge and the fee. I want my {$10.00} fees back.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2016-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Prior to renewing my mortgage, An Ocwen broker stated that I had to be delinquent to qualify for a lower rate. I paid late to get a better rate and Ocwen filed documents about delinquent payments. I currently make my payments by way of direct deposit and get charged fees for late related charges. Payments are made timely and never missed. Ocwen informed me that the fees are for prior year late payments and/or postage fees. Ocwen refuse to remove the information from my credit report and is being unfair about the additional fees. The mortgage company is also showing a deferred balance on my account that should have been included in my refinance. I only requested a lower interest rate and not an extension of fees for time to pay. The changes was suppose to be a part of a government program not Ocwen 's program.
Company Response:
State: MD
Zip: 21133
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 am in the middle if a modification once again with OCWEN LOAN SERVICING. They are doing the same thing that they did before, stating that that they did not receive papers that I have sent them over and over again. In the midst of them working with me, THEY SENT ME A FORECLOSURE LETTER. This is a XXXX XXXX case.. MY DOCS HAVE BEEN ROBO SIGNED BY OCWEN. PLEASE HELP. I SENT A VALIDATION REQUEST OF THE AMOUNTS TO OCWEN AND THEY IGNORED IT. THEY ARE IN VIOLATION OF SEC 809B OF THE FDCPA
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2016-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was approved for a HAMP Trial Period Plan on XXXX/XXXX/XXXX after appealing an earlier denial. The initial trial period payment of {$2100.00} was due by XXXX/XXXX/XXXX but was based on incorrect income information. I emailed Ocwen on XXXX/XXXX/XXXX regarding the payment amount and the calculation used. I contacted Ocwen on XXXX/XXXX/XXXX to check the status of my request and was told I needed to talk to my Relationship Manager. I scheduled an appointment with XXXX XXXX for XXXX/XXXX/XXXX and was told to email my information to XXXXXXXXXXXX for review. I emailed Ocwen my information and my questions but did not hear back from them. I called XXXX on XXXX/XXXX/XXXX for an update and he told me there was no update yet. He scheduled an appointment for XXXX/XXXX/XXXX and confirmed that I would not lose my HAMP eligibility while under review. I spoke with XXXX again on XXXX/XXXX/XXXX and he told me to send another email to XXXXXXXXXXXX and to contact him once I received a response from the underwriter. He confirmed that the HAMP plan was still active at that time as well. On XXXX/XXXX/XXXX I sent another email to XXXXXXXXXXXX and waited for a response. I received a letter in the mail dated XXXX/XXXX/XXXX indicating that I had been assigned a Relationship Manager, XXXX XXXX, who I had already spoken too. I then received a letter dated XXXX/XXXX/XXXX stating that Ocwen was unable to modify my loan under the HAMP program because I did not make all of my trial period payments in a timely manner and, as a result, defaulted on the trial period plan. The letter also stated that the XXXX evaluation was not the reason that I was not accepted for the HAMP and that the XXXX inputs were not subject to a dispute process. I contacted Ocwen on XXXX/XXXX/XXXX and spoke with someone named XXXX. I was told there was no update at this time and no follow up appointment was needed. In XXXX XXXX I received a letter from Ocwen stating that I may still be able to avoid foreclosure. I contacted Ocwen and was told that I needed to submit a new application for a loan modification. I reluctantly submitted a new application and was offered a Shared Appreciation Modification ( SAM ) in XXXX XXXX. I appealed the decision to revoke the HAMP modification on XXXX/XXXX/XXXX and was informed by Ocwen in a letter dated on XXXX/XXXX/XXXX that they were unable to create a post-modification monthly mortgage payment of principal, interest, and taxes that was between 10 % and 55 % of my monthly gross income. The letter also stated that I was eligible for the SAM and must remit an initial payment of {$2100.00}, slightly higher than the HAMP payment of {$2100.00} that was the cause of my HAMP denial. I contacted Ocwen on XXXX/XXXX/XXXX and told them I would accept the SAM. I was afraid of losing the SAM, like I lost the HAMP. I contacted Ocwen a couple of more times in XXXX XXXX requesting a review of my HAMP denial prior to executing the SAM, but did not receive a response. I reluctantly modified my loan in XXXX XXXX and have regretted it ever since. I requested a review again on XXXX/XXXX/XXXX and received a response the same day stating that I was ineligible for HAMP due to excessive forbearance and an inability to create an affordable payment equal to 31 % of my monthly gross income of {$5200.00}. With the forbearance cleared up and an increased income, I reapplied for the HAMP in XXXX XXXX but was denied in XXXX XXXX because I was not at risk of default. I contacted Ocwen in XXXX XXXX in a final attempt to have my file reviewed in its ' entirety and was told nothing more could be done. I decided to look for help outside of Ocwen and found the CFPB website.
Company Response:
State: WA
Zip: 98126
Submitted Via: Web
Date Sent: 2016-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I submitted a complaint on XX/XX/XXXX regarding a recast from Ocwen Loan servicing. The case # is XXXX. I received the modification agreement on XXXX XXXX, 2016. Ocwen lowered my payments for only nine months & it will return back to the amount I am paying now. As I explained in my last letter, This modification was suppose to take place months ago and Ocwen is just modifying my loan and cheating me with this bogus Modifcation. My first modification should begin XXXX through XXXX. Please research.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2016-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I lost XXXX of my jobs and having a hard time making ends meet so I applied to OCWEN for a modification in XXXX 2015 complete package sent in. Since submitting the paperwork OCWEN has requested several documents and I 've sent them within days back to them. I 've submitted the same documents over and over again. Finally on XXXX XXXX my representative called and operator ID # XXXX told us that I needed to re-submit because my RMA application had expired and that we were supposed to get an answer within 90 days of submitting the original paperwork that she did n't know why we were at this date with NO end in sight. We asked the representative to point to us the expiration date on the RMA but she could n't since she could n't do that we asked her to transfer us to a supervisor and she refused stating that she would have to look for one and she did n't have time. I am begging for help since I do n't want to loose my house, I 'm a single man BUT I do take care of my XXXX elderly parents, I have been looking for a second job but I 've had no luck because I had my identity stolen several years back and my background checks are not good. Please help
Company Response:
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2016-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I sent a wire transfer in the amount of {$6600.00} on XXXX which Ocwen continues to claim they have not received even though I have confirmation from my bank.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Good morning, my issue is simple, Ocwen Bank denied my loan modification. I am in eminent default. They refused my calls, checks, and request for over a year. Now they claim the investors for my loan type do not offer loan modifications. On the Ocwen website they have plenty of options for customers who are in default, they did n't offer me anything. Please help as I want to catch up my mortgage payments and do loan modification. They also refused my request for Qualified Written Request, I have a MAJOR error in my account as the bank has refused to discuss my account up until I have filed a series of complaints, the largest error is nobody even until now can tell me the status of my account, balance, etc. this appears to be highly illegal PLEASE HELP
Company Response:
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2016-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My husband and I began the Loan Modification process with the XXXX XXXX XXXX XXXX - located at XXXX XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX ; Housing Counselor in XXXX. Since then, we have provided tremendous amounts of duplicated information via XXXX for submission to OCWEN, refilled multiple times. OCWEN made XXXX offer for a loan modification via e-mail to XXXX XXXX and gave us 72 hours to respond in XXXX and not once did we receive anything in writing. At one point our case was referred to MD XXXX XXXX XXXX, XXXX, which the organization subsequently dissolved without resolving our case and did not notify us. During the period of time that they were involved, they kept requesting the same information over and over again. As a result, our case was sent back to XXXX XXXX XXXX XXXX and in XXXX XXXX - we receive a trial modification, which we signed and returned to OCWEN and began making payments to them. We also filed Chapter XXXX bankruptcy in XXXX XXXX through Attorney XXXX XXXX because of some other financial issues with the IRS. XXXX, XXXX, OCWEN had not notified us, so as a result, I called them to find out why we received no statements and was told that the paperwork sent in XXXX was not complete and therefore the trial was not accepted - we were still making payments, so, the gentleman I spoke too sent me the paperwork again in an e-mailed dated XXXX/XXXX/XXXX, which we download, had the same papers notarized again and sent via postal mail to XXXX. We also were told that we needed a letter faxed into OCWEN from our lawyers office for them to talk with us since we are in bankruptcy, which was done pronto, and when I called, I was told it was not there and I said, not that is not correct - here is the date and time it was faxed. She took time to go through the file and discovered it was misfiled as many of our documents have been by OCWEN and the need On XXXX/XXXX/XXXX - We received notification that OCWEN was unable to offer us the Home Affordable Modification because - we had filed bankruptcy and the modification was not approved by the court. Now - I called on XXXX/XXXX/XXXX - spoke to XXXX # XXXX, who told me that OCWEN had sent paperwork to my attorney on XXXX/XXXX/XXXX and never received a response. I asked " XXXX '' why were n't we notified if our attorney had not responded since we have working on this sine XXXX and it was a must need to be resolved and his response was that I had to talk to my relationship manager - who in my correspondences have been a XXXX XXXX. He tells me that " Oh, that has changed '' and asked to whom ; his response was XXXX XXXX ; I asked when did that change ; His response was that sometime recently - and I asked why, he said that I would need to make an appointment to speak to the new person - so I when and he " XXXX '' said XXXX/XXXX/XXXX at XXXX - XXXX XXXX was to contact me, and I did not receive a telephone call from him. At XXXX today, XXXX/XXXX/XXXX, I called OCWEN to ascertain why the call was not made to me as scheduled and was told that a call was placed to my lawyer - that was not the agreement. I called my lawyer and she told me that she was told, I sent to the documents to the final documents to OCWEN and she did not file a motion in court for it to be accepted and that we needed to begin all over again. I am sorry but this is very disconcerting and unacceptable. OCWEN is still accepting payments and told me on XXXX/XXXX/XXXX that we are making partial payments and are in danger of foreclosure - again unacceptable We provide a home for ourselves, our grandchildren, son and daughter-in-law and we are being pushed around like we are of no value. XXXX. We want OCWEN to honor and accept the trial modification which we signed and have been following to the letter. We want to see all documentation.
Company Response:
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been requesting cancellation of PMI on my mortgage since XXXX. They have documented that my LTV ration was below 80 % and written request was made on XXXX XXXX, XXXX. The lender required me to get a BPO through their vendor at my own expense. The home has appreciated in value by over 30 % since purchase, which was confirmed on the BPO. This was sent with another written request in XXXX XXXX. The PMI is still being charged on the mortgage.
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No