Date Received: 2016-02-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen purchased my loan and attempted to shorten my contractual grace period from 15 days to 10 days until I sent them a copy of the mortgage document. Every single month Ocwen asks me to register my computer, which their website ca n't seem to store. When I attempted to pay last month 's payment online through their website, I was forced to verify my email. My email has not changed in over 10 years, since before the intitation of this loan. When I attempted to complete the transaction, I received an error message including 'please try again later ' This went on until I could no longer pay through the website within the grace period. I initiated a bank payment, which I am fully aware is transmitted within 24 hours, yet Ocwen did not credit it as received until the grace period expired. I am sick of their fraudulent activities in attempting to violate grace periods and extort undue payments from consumers by manipulating the website code. There are XXXX 's of online complaints about their practices!
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN is claiming that my account is severely delinquent when it is not. They decided to put me in escrow recently, even though I have always paid my own homeowners insurance on time and in full each month, I have paid my own real estate taxes, and my mortgage payments were current. I have made multiple phone calls to OCWEN to resolve this, and each time I have spoken with someone who does not understand me ( does not speak clear English ) and is unwilling to help me with this loan. I have requested to speak to a supervisor, to which I am told I can not. My loan payments have suffered because of being charged for the escrow ( which is double my monthly mortgage payment ) and I have accrued multiple additional fees from OCWEN as a result. This happened last year as well, and I thought the issue was resolved. I am currently being told my mortgage is excessively delinquent due to the escrow and fees being charges by OCWEN. I am requested the escrow be removed from my account, so that I can go back to making these payments myself.
Company Response:
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2016-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received a letter from Ocwen loan servicing LLC stating the service transfer was being changed over to a new company called XXXX XXXX. The letter says Ocwen will stop accepting payments received after the date of XXXX/XXXX/16. After this date XXXX will be taking the payments starting XXXX/XXXX/16. If the monthly payments are currently being drafted by Ocwen the service will be discontinued at this time. However I have XXXX issues. First off an automatic payment was taken out of my bank account on XXXX/XXXX/16 in the amount of XXXX. I was told my payment was n't due til XXXX/XXXX/16. However it was taken out on XXXX/XXXX/16 and another will be taken out of my bank on XXXX/XXXX/16. My bank informed me that I can not stop the payments on there end. But Ocwen says it should of been discontinued as of XXXX/XXXX/16. XXXX does n't have any record of my loan information. So where is the XXXX that is being automatically withdrawn going. I want the funds back in my account and the service stopped so that I can make my house payments correctly.
Company Response:
State: CA
Zip: 955XX
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We paid our mortgage loan ( # XXXX ) in full on XX/XX/2015 to Ocwen ( lender was XXXX XXXX XXXX ). After months of telephone calls, Ocwen has not released the lien on the records of XXXX County Va. I 've dealt with their Office of Consumer Ombudsman, a misnomer to say the least. I even collected a {$500.00} civil penalty under Va. law for their failure to deliver a release to the county clerk within 90 days of payoff, but can not get them to file the satisfaction/release after six months of the XX/XX/XXXX payoff.. I 'm aware of the XXXX dollar settlement with Ocwen & wonder how many complaints there have been like mine. Thanks-XXXX XXXX, XXXX
Company Response:
State: SC
Zip: 29412
Submitted Via: Web
Date Sent: 2016-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a mortgage with Ocwen Mortage. Two years ago they defaulted me on my loan and charged me fees because I supposedly was behind in payments. It took months and an attorney for Ocwen to finally admit that they made a mistake. They never corrected the mistake or send a correction to the credit reporting bureaus. Now Ocwen is once again defaulting my loan alleging that I am two months behind in my mortgage. My attorney once more supplied Ocwen with 24 months of my bank statements evidencing that all payments have been timely made. Ocwen is going forward with a foreclosure proceeding. It is impossible to reach anyone at Ocwen who can fix this situation. This is twice in three years Ocwen has made the same mistake.
Company Response:
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2016-02-08
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: OCWEN is the servicing bank : has held homeowner in extending processing, and not evaluating documents properly. Homeowner has submitted the RMA requesting modification. Homeowner has been in default since XXXX/XXXX/2015 and is 991 days passed due. Homeowner is formally appealing the denial based on errors in home value, income, DTI and LTV Loan to Values used by the services in the denial of the RMA application. The service'r has commenced double tracking while homeowner was acting in good faith under the DOJ/XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement. The servicer ' is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified, lost documents when homeowner has already provided. This homeowner, feels that their case has been unfairly treated for the following reasons : 1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 2. A Single point of contact was assigned ; calls were made to the point of contact : the calls were never returned by the contact. Calls returned were from the collection department and never the same so called : " relationship manager ''. 3. The service'r has held the homeowner in extended process in bad faith, during which the value of property has increased and fallen for 991 days from XXXX/XXXX/2015 to XXXX/XXXX/2015. 4. On the last RMA application : all requested documents were provided as requested. Homeowner has confirmation via fax that documents were received by the service, bank claims that documents lost. 5. Homeowner has made numerous calls ( 20 ) inquiring on status of application, as a foreclosure date has been set and reset ; calls were routed to next available collection department agent, comments were : A ) wrongfully advised that documents were not submitted, or B ) documents were submitted, or C ) resubmit documents because documents lost, or D ) the foreclosure date is set and homeowner is responsible for not providing the requested documents : these XXXX points are causing a state of confusion and terror to the homeowner. 6. Servicer started a double tracking procedure upon the notice of default. The foreclosure agent was aware of the loan modification in process, and moved forward with the double tracking anyway. This is a clear violation under the National Mortgage Settlement Agreement ; specifically double tracking while homeowner provided all documents under good faith. 7. Homeowner has contacted the foreclosure agent before the foreclosure sale : that the sale was extended to another 30 days. Service'r never advised homeowner of the extended sale date. 9. As of the above CFPB complaint date above, service'r has not advised or confirmation that the foreclosure date of sale is on hold. 10. Homeowner is in a state of fear created by the collection tactics by Service'r and or the foreclosure agent. 11. Homeowner was not advised of their HAMP/Department of Justice modification guidelines or options. 12. Homeowner was not provided the name of the investor as requested. 13. Homeowner was not provided a NPV Net Present Value Report to approve or deny the RMA application. The Banks ' failure to discharge their required loan modification obligations, during homeowner 's honest attempt to save their home from foreclosure. Homeowner is claiming mortgage processing discrimination in delaying processing : by overloading servicer 's processing agents with a case work load of XXXX+ cases as per agents statement : ( disclosed by relationship manager via recorded conversation, for training and quality assurance ). We formally appeal the loan modification denial. We request that a SPOC Special Point of Contact be assigned homeowner.
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-08
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I have asked for months and months to have the statement " Account in dispute '' removed from my credit bereau reports. My account is not in dispute and this statement is preventing me from moving forward with other aspects of my life! Years ago there was an error with my SSN, so I sent them a copy of my social security card and ID so that they could update their system. This should not have caused them to still have this statement on my report as it had NOTHING to do with my ability to pay my loan! No one speaks english and no one undersands what I need. I have received letters and emails of proof that my account is current ... .THAT IS NOT THE ISSUE!!! I need them to remove that statement IMMEDIATELY. It has been years and that is unfair to me whenI am not disputing anything. They need to report appro [ riately. Thank you for any help on this!
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2016-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been requesting a modification for a more affordable mortgage payment and and they came up with a balloon payment that will make me pay the value of my poprrty for {$50000.00} more ta than what I purchased it for. They are also charging m reinse for for reinstatement fee of {$500.00} more because I rejected their proposl. I have never had to pay the reinstatement fee in my previous modifications. This company needs to be investigated for their ruthless activities. My main concern is that since in the inception of this loan they have always made mistakes on applying my mortgage payments. back in 2015 they have posted a negative impact on my credit as having paid late. and after their research they found out that I had paid all my payment on time. I have proof of this Iam in constant contact with them because they keep misapplying my mortgage payments to the Escrow. I do n't know what else to do with this company.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2016-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-05
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Ocwen Mortgage is incorrectly reporting my credit history. They show XXXX accounts on my credit report when I have had only XXXX. They show late payments that they had agreed not to show as part of an agreement. I have informed them several times and they refuse to correct it which is a violation of FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Case XXXX XXXX XXXX XXXX XXXX, 1997, Filed ( XXXX No. XXXX ) as well as a violation of the precedent set by the XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX
Company Response:
State: CA
Zip: 92344
Submitted Via: Web
Date Sent: 2016-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX XXXX, 2008, TILA Recission Letter sent and the Notice of Default was filed at XXXX XXXX County Recorder Office.
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2016-02-06
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes