Date Received: 2016-02-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I currently have my mortgage with Ocwen. I have requested via telephone numerous times a monthly billing statement, to date I have not received that. This has been going on for almost two years. I get the same response " We will mail it to you ''. As stated, it has been almost two years and I have not received anything. I would like to receive monthly statements, as I did in the past, I have been with this mortgage company on and off since 1997 and this has been the worse customer service in the world. I am in need of some resolution. It is apparent that they do not care about their customers. Very poor customer service.
Company Response:
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2016-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I, XXXX XXXX, am the authorized third party for XXXX XXXX XXXX XXXX. I 'm helping him apply for a loan modification with Ocwen, his loan # is XXXX. Ocwen approved him for a HAMP tier 2 modification on XXXX/XXXX/XXXX which only lowered his payments by about {$400.00} per month which did n't help him make the payments more affordable. We sent Ocwen a letter the next day on XXXX/XXXX/XXXX stating that this modification did n't help them and they would like it to be closed out and reviewed for an in house modification to see if maybe there was a better modification offer for them. Ocwen then said it would take a few days to close it out and it was never closed out until XXXX/XXXX/XXXX. It took about a month to close it out after we sent them a letter and they received it saying it would be closed out any day now. We resubmitted updated documents at that time XX/XX/XXXX to be reviewed for an in house modification, when at that point Ocwen then again approved it for a HAMP tier 2 on XXXX/XXXX/XXXX with identical payments which again did n't help the borrower. I have now sent them a letter asking them AGAIN to close out the review and review XXXX for an in house modification and they keep saying the same thing again saying, give us a few days and call back and it will be closed out and nothing is being done to close out the HAMP tier 2 approval and review him for an in house modification. This is XXXX 's last hope to save his home, if they can offer him a lower payment with an in house modification he can keep his home and I 've seen very great in house modifications with Ocwen so I know it 's possible but they keep dragging their feet and XXXX keeps falling further and further behind. If you can please help XXXX 's family out by having Ocwen expedite the process by closing out the HAMP tier 2 and reviewing him for an in house modification this would make a huge difference in their lives, they do not want to let go of their family 's home.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2016-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I currently have a mortgage with OCWEN. After a long dispute regarding my payment history and them saying that I was n't making my monthly mortgage payments, I obtained the services of XXXX and was able to get my mortgage and interest rate reduced based on a trial modification period. I signed and mailed two copies of the agreement to OCWEN, in addition to XXXX emailing two copies, as well. They never responded or sent the final copies to be signed, but later said that I did n't send the documents to them. There is a receipt verifying that XXXX did receive the document on XXXX XXXX, 2016 @ XXXX They have now erroneously reporting that I failed to comply with the arrangement. Upon speaking with XXXX and them engaging OCWEN, they 're saying that I failed to date the documentation. The documentation is in fact, dated for XXXX XXXX, 2016. This loan servicing company refused to process my loan payments for 1 year and said the reason was because I was 90 days late on a payment. I sent all certified mail receipts and cashier 's checks to their auditors ( located in XXXX ) and all they could say was that I missed a payment, but could n't come up with the 90 calendar days that were in question. I had to pay {$4200.00} to XXXX to work on my behalf because they tried to foreclose on my home. They are still assisting me because OCWEN has n't sent me the signed copy of the final loan modification as they told XXXX they did.
Company Response:
State: OK
Zip: 73135
Submitted Via: Web
Date Sent: 2016-02-02
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: LETTER OF COMPLAINT OCWEN HOME LOAN SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Ocwen Loan Servicing , LLC Loan Number : XXXX This letter serves as a formal complaint, which is also being filed with the CFPB and the State of Ohio Attorney General 's Office. My home is built on XXXX lots. The parcel numbers are : XXXX and XXXX in XXXX County, Ohio. When XXXX XXXX assigned my loan to Ocwen Loan Servicing, I experienced problems that were beyond my control. 1. Working with Ocwen has been an upsetting and frustrating process, as firstly, I was told by Ocwen Representatives not to work with a third party entity such as a HUD approved organization, as they would be able and would help me. So given that I was told this information and they were in control of my loan, I did exactly what they told me to do. 2. Ocwen through the improper servicing of my loan, caused another hardship for me that could have been avoided. My property taxes and homeowner 's insurance were escrowed in my mortgage payments, however, Ocwen did not pay the full tax bill. My home is located on XXXX parcels and Ocwen only paid taxes on XXXX parcel and not XXXX parcels, causing me to become delinquent in my taxes and also my tax lien was sold to XXXX XXXX, XXXX. I had to enter into a payment arrangement, sign a contract with XXXX XXXX, XXXX, and a direct debit payments form to pay them {$410.00} each month to avoid foreclosure for property taxes. XXXX, XXXX 's address is XXXX XXXX XXXX, XXXX XXXX, XXXX Ohio, XXXX. 3. Every time I called Ocwen there was a language barrier with their representatives and I requested numerous times to speak with a representative from the United States to address my file. Never was I given any phone number to call to speak with someone in the United States or transferred to someone that could speak clearly, the English language. 4. I asked for an mortgage statement from Ocwen for my review and see what was going on with my loan and they said they could no longer send me any account statements due to my filing bankruptcy. I had to file a complaint with the CFPB to get Ocwen to send me a mortgage statement for review. I then saw that my payments increased due to the amount needed to pay the escrow and I they had notified me and then refused my payment via XXXX XXXX and via mail. 5. When I talked to Ocwen, I was told to work on a loan modification through Ocwen. When I spoke to a friend they told me to contact a HUD approved organization right away to help me with my foreclosure. Now, I am facing a Sheriff Sale on XXXX XXXX, 2016. 6. Ocwen told me not to work with a third party, as they would directly with me to provide me with mortgage assistance, so I listened to them and did not work the HUD approved agency, as I thought they would help me to keep my home. 7. I feel that I was lied to, tricked and under minded by Ocwen and by telling me to work directly with them and not seek outside assistance. 8. I am now working with a XXXX, a HUD approved organization, which has provided me with the foreclosure counseling and explained all the options I could have asked for with Ocwen and did not because Ocwen told me to work directly with them and no other third party entity. I was obedient as they controlled my mortgage and I did what they said to do. I am seeking a resolution by asking that Ocwen stop the Sheriff Sale and also to review my file for a positive outcome so I can keep my home. I do not want nor deserve to become homeless, as Ocwen messed up on the servicing of my loan, by not paying the taxes due, and I had to pay the property taxes each month in the amount of {$410.00}, which did not help me as they caused the problem. I want Ocwen to take responsibility for the hardship caused by them and to STOP THE FORECLOSURE AND SHERIFF SALE
Company Response:
State: OH
Zip: 44306
Submitted Via: Web
Date Sent: 2016-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I signed contracts on XXXX modified loans with OCWEN loan servicing. After months of paying my payment they said I was not paying the correct amount and my payments were more than what was stated in the contract. I tried to work this out with them for almost a year. I worked with there reseach dept and made call after call with always the same result. I was told the person I need to speak to is not here but would call me back of which never happened. I sent them copies of my contract and continued to pay my payment up until they stop excepting my payment. I recently lost XXXX of my homes and will soon lose the other.
Company Response:
State: FL
Zip: 32548
Submitted Via: Web
Date Sent: 2016-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: When refinancing a mortgage for my brother we decided to go with Ocwen. The loan set up officer told us that he had insurance on the loan so if he passed away the mortgage would be paid off. We have a recording of him stating that fact. Two years later my brother passed away. Now they are saying they can not talk to us because they do n't have a record of who the fiduciary is. We have emailed, and faxed the court records numerous times. Every time they say they have not received it. When we call them they put us on hold for an extended period of time and then we are told the person we need to talk to is gone for the day. This has been going on since XXXX 2015.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2016-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been charged a lot of attorney fees which I paid to ocwen along with late fees which never end have been denided a loan mod after my current mod rate when up tried to work with ocwen they say can not help me at all retired my income has changed trying to stay in my home of 20 years plus
Company Response:
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2016-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My servicer is still OCWEN. I filed a case, number XXXX in XXXX, XXXX as my house was scheduled for foreclosure by OCWEN in Georgia on XXXX XXXX, XXXX. I also wrote attorneys for OCWEN. The foreclosure was cancelled and I received a response to my complaint and a QWR I filed dated XXXX XXXX, XXXX. Now my house is scheduled again for foreclosure on Tues XXXX XXXX, XXXX, and not only do the same problems with servicing exist but they have become worse. Previously I complained about the periodic billing statements as being indecipherable and mathematically impossible to understand, numerical errors in the escrow account, failure to credit payments, OCWEN not paying propety taxes causing XXXX to issue which hurt my credit, failing to pay property taxes again, billing me for higher escrow contributions without explanation, inexplicable fees, strange categories that operated as suspense accounts, sending varying reinstatement figures that differed {$130000.00} between two consecutive months ; XX/XX/XXXX and XX/XX/XXXX, numerous errors on the statements, illegal foreclosure procedures, invalid assignments, lack of standing to foreclose, and intentionally deceptive accounting practices designed to force foreclosure. In OCWEN 's response to my complaint and QWR I can not say that any of these issues were directly addressed. Therefore I file another complaint against OCWEN for failure to follow the mortgage servicing rules under TILA & RESPA, state foreclosure rules, robosigning, and fraudulent assignments, eliminating standing to foreclose. Furthermore, to utilize the CFPB 's official responsibility under law to address certain servicing problems I state that OCWEN under amended Reg X violates their obligation to correct errors, to provide information requested by borrowers, to provide loss mitigation options ( which I finally received last week and promptly sent in ). The errors on the sstatements get worse, and never get addressed or corrected nor explained. During XX/XX/XXXX there remained a suspense account amount of {$32000.00} of unapplied funds which on XXXX/XXXX/XXXX disappeared with no credit to me. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX past payment credit breakdowns of {$17000.00} interest and {$14000.00} in escrow disappeared and were not applied anywhere. Between XX/XX/XXXX and XX/XX/XXXX the stated Reinstatement figure went from {$560000.00} to {$430000.00} inexplicably. That is a {$130000.00} difference in one month. No explanations offered.How is a borrower to know what to pay or do? The Reg X rules aso provide for servicers to provide disclosures to borrowers re mort servicing transferring and obligations to manage escrow accounts. My escrow account is such a mess and changes so much I may never understand it. One OCWEN rep said that they were having trouble combining systems of acquired companies, but borrowers should not have to suffer for their incompetence. The Reg Z rules under TILA require disclosures on ARMS like my loan and error resolutions and information requests. The response I have received so far is that my ARM changed after 5 years so OCWEN changed the billing from interest only to amoritization. Then they must have changed it back. Further, the announced payments on the settlement statements varied considerably between what they said I would pay vs what I have been billed, such as $ XXXX/mo vs $ XXXX/mo OCWEN bills me. Also errors are not corrected, payments are not credited and are placed in suspense accounts. I have forced placed insurance, and while I finally have loss mitigation conversations, they have just begun. I still am subject to dual tracking, robosigning, fraudulent transfers, XXXX assignments from XXXX to the XXXX XXXX XXXX XXXX, in a row even though the loan originator was not a licensed lender in Ga in XXXX, but XXXX keeps assigning the note/deed to XXXX repeatedly. Also this FC notice has different naming for the trust.
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2016-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: We are filing a dispute regarding the failure for XXXX XXXX XXXX ( XXXX ) to complete a modification review under Home Affordable Modification Program ( HAMP ). Our loan was originated in XXXX with XXXX Mortgage Company, which in deed makes our family eligible for the review of HAMP programs and all of the programs original intent and initiatives for benefit of homeowner such as myself. It is unlawful on multiple levels for our loan to be discriminated and excluded from review of such programs based on Ocwen Loan Servicing ( OLS ) being named as investor/owner for our mortgage loan. Although we are thankful for consideration and approval of a modification program, we are dishearten by the fact that XXXX, and OLS are purposely overlooking our family for a much more beneficial program than what has been offered on XXXX XXXX, XXXX. The reasons given for our multiple denials of HAMP not only are ambiguous, but also evasive and without detail or relevant cause and appear to be a ploy to avoid offering our family a deeper savings at 31 % of our gross income. My theory, is that both XXXX and OLS presumed the HAMP program to be dissolved at the end of XXXX, and the denials were a preemptive decision made prior to the FHFA 's announcement made that HAMP was being extended until the end of XXXX. Both XXXX and OLS, are major participants of the HAMP program and it is completely out of character of industry standards since XXXX and in the wake of both financial institutes losing federal lawsuits for thousands of acts of deception, abuse and fraud of homeowners nationwide. In fact there are still thousands of pending and unresolved lawsuits against of OLS. The lawsuits allege, among other things, that Litton Loan Servicing ( " Litton '' ) and Ocwen Loan Servicing ( " Ocwen '' ) engaged in a deceptive scheme to delay or deny permanent mortgage loan modifications through the federal Home Affordable Modification Program ( " HAMP '' ) to desperate homeowners, systematically breaching their contractual obligations to homeowners, committing deceptive trade practices, and causing significant financial harm. Our loan was approved of what 's called a XXXX XXXX XXXX loan modification, on XXXX XXXX, XXXX for a payment in the amount of {$1200.00}. Based on my gross qualifying monthly income of {$3500.00}, the payment equates to a front end debt to income ( DTI ) ratio of 36 % to 40 %. However, had our loan been reviewed accordingly for the HAMP program, our payments would be based upon 31 % DTI, equating to a much more affordable amount of {$1000.00}. We are seeking for our loan to be reconsidered for the HAMP program. We are seeking a more thorough and detailed explanation as to why we are being overlooked for a program that we rightfully should be considered and qualified to receive. This complaint will be forwarded to the our state attorney general as well as Michigan Department of Financial Institution for their review of my grievances.
Company Response:
State: MI
Zip: 49024
Submitted Via: Web
Date Sent: 2016-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: on XX/XX/2015 i call ocwen mortgage to refinance my mortgage they told me that they can not refinance my mortgage but they can restructure my loan, after going through the trial period they send me a package to fill out and get notarize which i did and send back, i then received a phone call saying that i owe {$1900.00} to ocwen when i ask why they told me that i did not send back the package i said i did, then i was told i owe {$400.00}. tlus in escrow fees i started argueing with them then they said if i pay the {$400.00}. plus in escrow fees my mortgage will go down i sent them a for $ XXXX.plus and another check for $ XXXX.plus i i call them and ask them what happen to the check i send for my escrow they told me that they put it in an account i then said that check was sentfor my escrow on the check i wrote for escrow account so i was duped like many others home owners like myself who lost their homes to ocwen mortgage co. i sent a complain to the attorney general Pam Bondi i receive a letter saying they are looking into this, every time i call ocwen and ask to speak to the person i spoke to previously i am told that he/ she is not available so you can never speak to the same person twice this mortgage co is ripping innocent AMERICAN OFF. and someone need to stop them. I AM THANKING YOUR BUREAU FOR ANY HELP FOR MYSELF AND OTHER AMERICANS THAT WAS RIPOFF BY Ocwen mortgage co. Thank you XXXX XXXX
Company Response:
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2016-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No