Date Received: 2016-01-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was given Ocwen as a mortgage company and have had nothing but grief every since. For years I never missed a payment then I modified my due to losing a part-time of 15 years. I was told I was being charged for flood insurance, when in fact it was not needed. Later we were rezoned, I then purchased insurance through XXXX XXXX and sent Ocwen the declaration page for 3 months, and they said they did not get it. Finally XXXX took on the battle and I received some credit. However, in XXXX they hit me with a {$800.00} + mortgage payment due to escrow. The mortgage went from XXXX to XXXX + and my repeated request went unanswered. I was able to get this caught up in XXXX XXXX. I have spoken to XXXX managers on recorded calls who say the past due balance has been waived and I currently only owe XXXX a month. However, when I listen to the recorded billing information it gives one amount, my monthly statement says another, and I am continuing to receive, as recent as this morning harassing phone calls for a yet different amount. This company has XXXX complaints against, and it should be illegal to harass someone for XXXX different amounts on one mortgage. My credit is being ruined and nobody talks to anyone there. I have operator numbers and names of these supposed recorded calls. I only the monthly payment and can not get a response from the corporate office as to why I am being treated this way. I have never been late according to their representatives recorded line until XXXX when the escrow and flood insurance got confused. I just want them to stop harassing me and tell me the truth.
Company Response:
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2016-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: To Whom It May Concern : I am writing this letter in acknowledgement of the past late payments on my Ocwen mortgage ( XX/XX/XXXX/XX/XX/2015 ), as it appears on my recent credit report. Currently I 'm an XXXX XXXX XXXX in the process of purchasing a home with a VA lender. Due to the consecutive missed payments, the VA lender who is providing the approval of my loan has recently come to a halt. Therefore, I would like to see if there 's a possibility and request from Ocwen, an Amendment letter in order to have one of the missed payments removed from my credit report? I 'm also asking Ocwen to consider my excellent payment history in the previous years before the months mentioned. Below is a detailed explanation regarding this situation. Explanations : Ocwen has been servicing my loan for the past few years for the residence mentioned above in the state of Tennessee. Upon my relocation to XXXX from XXXX, I was informed by Ocwen that my loan would be transferring to XXXX XXXX in or around XXXX XXXX 2015. During XXXX I cancelled my auto draft payments to avoid confusion with loan payments. This action caused my XXXX payment to be returned from my bank. When I did submit my payment manually to Ocwen it did n't withdraw payment immediately, instead the payment took several days to go through and therefore went past the 30 day period. During XX/XX/XXXX when I called to submit our payment for the month, I spoke with a representative from Ocwen and they informed me that they could no longer see my information in there system due to preparation of loan transfer. After several attempts to make a payment for XX/XX/XXXX, they suggested to me to wait until XXXX XXXX had taken over the entire loan. It is unfortunate now, but I wish we could have annotated my attempts with Ocwen during this time. As I stated before I 'm on XXXX XXXX and XX/XX/XXXX as the transfer date had approached, I received noticed that I would be XXXX XXXX. XX/XX/XXXX and prior to my XXXX, I informed XXXX XXXX that I had attempted to submit payment thru Ocwen for XX/XX/XXXX. I also informed XXXX that Ocwen reps had suggested that once the loan was under XXXX 's system they would have record of my payments and would be up to date. I would like to clarify that I did inform both companies that despite my cancellation of the Auto drafts from my bank, I was concerned in the long run of something negative being reported to credit bureau 's due to delay in payments! XXXX XXXX did assure me that No reporting would be submitted for 60 days from day of transaction. Once the loan had been transferred all payments were completed and have been up to date to my knowledge. This is the end of my explanation from XX/XX/XXXX through XX/XX/XXXX while the transfer was taken place. Upon my return from military XXXX, I was researching the idea of a renovation loan thru a local mortgage company XX/XX/XXXX. The local agent inquired about my credit report and discovered that Ocwen had posted two late payments for XX/XX/XXXX and XX/XX/XXXX with the credit bureaus. I have contacted Ocwen and explained the situation, and have done several follow up calls during XXXX. Today, I was informed to submit this letter to the Research Department with Ocwen to hopefully see if their staff can assist me with this matter. I understand that during the time period mentioned, several actions could have been handled differently. We are only human and mistakes happen. I would like to once again ask Ocwen to consider my previous payment history regarding this loan, and wish for an amendme
Company Response:
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2016-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dear CFPB representatives and advocates, I qualified for and entered into a trial period plan with Ocwen Loan Servicing back in XXXX XXXX. There was some confusion as to what steps needed to be taken in order to satisfy the trial period plan so after making all three ( 3 ) required payments through XXXX XXXX, the trial period ended and no permanent loan modification was extended to me because Ocwen stated that I did not send back the loan documentation. To date, there is still {$3000.00} in payments sitting in a suspense account because although Ocwen refused to extend to me the permanent modification, they continued to accept my payments made on the trial period plan. On XXXX XXXX, XXXX, I contacted Ocwen Loan Servicing to discuss the status of the account and to find out what happened since I never heard from my relationship manager ( single point of contact ) and was unsure about the status of my mortgage loan account. An Ocwen Loan Servicing representative by the name of XXXX ( XXXX ID # XXXX ) in the relationship management department advised me on XXXX XXXX, XXXX, at approximately XXXX am that the documentation was not completed, which was why I was not extended a permanent modification. XXXX also advised me that the foreclosure was on hold and that I was eligible to reapply for mortgage assistance, as there was still time to do so. XXXX confirmed that there was no foreclosure sale date on my mortgage loan at that time and I explained that I would be completing and submitting a new application for mortgage assistance ( RMA ) as quickly as possible. I submitted a complete Request for Mortgage Assistance ( RMA ) on XXXX XXXX, XXXX, and received both the confirmation of submission on the XXXX ( see attached ) as well as a notice that I now had a foreclosure sale date scheduled for XXXX XXXX, XXXX, via email embedded in the RMA submission confirmation ( see attached ), which was a complete shock and surprise. I never received the required legal notices from the foreclosure attorney either, which I believe is a violation of my constitutional rights in addition to my consumer rights. Ocwen is now stating that since I did not submit my application until XXXX XXXX, XXXX, which is the date it was processed by Ocwen and not the date I submitted my application ( it was submitted on the XXXX ), that I did not meet the 7-day requirement ( I was never advised of the 7-day requirement until yesterday ) and therefore, my RMA application would not be reviewed or even considered. What a complete lie since I have proof of submission on XXXX XXXX, XXXX, which would meet the 7-day requirement not to mention the fact that Ocwen placed the foreclosure sale date on my mortgage account the day after I advised that I would be resubmitting a new RMA and within 30 days of the foreclosure sale date ( I contacted Ocwen to advise of the forthcoming RMA on XXXX/XXXX/XXXX and the foreclosure sale date was placed on the account on XXXX/XXXX/XXXX ). It is my understanding that Ocwen Loan Servicing has some ongoing issues with compliance and specifically, with account holders in the California area. Please help me to stay the foreclosure sale so that my application can be fairly reviewed and so that I can have an opportunity to save my primary residence and family home. Thank you in advance for your assistance with this matter.
Company Response:
State: CA
Zip: 93036
Submitted Via: Web
Date Sent: 2016-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have applied on several occasion for a home loan modification with OCWEN Loan Servicing and a Deed-In-Lieu and each time they have denied it or lost my paperwork until I stopped paying the mortgage all together. In 2012 there were enhancements made to the HAMP program that they did not follow as I am XXXX military and was displaced by a XXXX move.
Company Response:
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2016-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My first mortgage is with Ocwen servicing, I 've gotten behind in my payments. I 've requested a mortgage modification with Ocwen. I faxed the modification request and financials. I 've recently had XXXX surgery and was off from work. I want to keep my home. I 've submitted financials and a modification request. There is a property foreclosure set for XXXX XXXX please postpone the sale and modify my mortgage.
Company Response:
State: AR
Zip: 71603
Submitted Via: Web
Date Sent: 2016-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We are with this mortgage company name OCWEN. We are trying to modify a loan but the company keeps asking for documents that we have already submitted numerous times. The company claims that they are not receiving the documentation. It has been seven months to try to get this modification completed. During this seven month period the company stop excepting our mortgage payments and received mail that they are starting foreclosure. On their documents it states that while we are in the process of modification that there would not be a foreclosure filed.
Company Response:
State: CA
Zip: 92881
Submitted Via: Web
Date Sent: 2016-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Owen Loan Servicing is reporting a foreclosure and a charge-off XXXX mortgage on my credit reports with varying dates of last activity depending on the credit reporting agency. I contacted Ocwen 's Consumer Ombudsman office requesting payment history on these accounts. The representative was helpful and mailed my request in a prompt manner. The payment history reflected a date of last activity of XXXX, XXXX. I forwarded these documents to XXXX, XXXX, and XXXX upon receipt, yet they advised me that for the corrections to my credit reports to be made that they need Ocwen to forward these documents directly - I certainly understand their requirement due to the possibility of the documents being altered by a XXXX party. At this point, I contacted Ocwen asking that they mail the payment history to all XXXX CRA 's ( which one would think would be a reasonable and simple request ). XXXX, the ombudsmen representative called me on XXXX/XXXX/XXXX stating that they can only send information electronically. I advised her that the electronic information is incorrect, yet she refused to honor my simple request and stated she could not help me any further.
Company Response:
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2016-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have a file with Ocwen, and informed them on XXXX XXXX that their is a Auction from the HOA. Every time we call, they play dump and act like they do n't care, I have informed the XXXX attorney who informed their contact, the payment is due now. They requested info that was emailed on XXXX XXXX and XXXX. Auction is Friday the XXXX of XXXX. The mortgage is a XXXX XXXX XXXX.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: ILLEGAL RETALIATION & EXTORTION Federal Law entitles a consumer to file a complaint with CFPB if a financial institution engages in financial malpractice against the consumer. I exercised such right and filed complaints against OCWEN LOAN SERVICING , LLC recently. OCWEN agreed to correct its records and give me due credits only after I complained to CFPB. However, OCWEN retaliated against me for filing the complaints with CFPB as follows : 1. Following my complaint to CFPB in XXXX regarding OCWEN 's illegal charges of {$140.00} in my account, OCWEN credited my account for {$110.00} and denied the remainder {$25.00} ( EXHIBIT XXXX, attached ). In the process, OCWEN cancelled accrued modification incentive on my account ( EXHIBITS XXXX, XXXX, XXXX, attached ), but failed to identify and assign other eligible incentive as it proposed in EXHIBIT XXXX despite request that it do so. It is noteworthy that HAMP programs have incentives built in for consumers. 2. In late XXXX, I filed another complaint with CFPB providing substantiating evidence that OCWEN illegally charged my account for the {$25.00} it had XXXX refused to refund. OCWEN, in turn credited my account for the {$25.00} XXXX EXHIBIT XXXX, attached ). However, OCWEN retaliated against me again by doubling my outstanding balance from {$2300.00} on XXXX/XXXX/XXXX statement ( EXHIBIT XXXX, attached ) to {$4600.00} on XXXX/XXXX/XXXX statement ( EXHIBIT XXXX, attached ), thus precipitating an artificial delinquency even as scheduled payments were made to OCWEN on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in keeping with an agreement I reached with OCWEN following my Loan Modification as evidenced by the history of my previous payments ( EXHIBIT XXXX, attached ). There was no past due payment amount and there is no past due payment amount contrary to OCWEN 's notation in EXHIBIT XXXX. Such entry is an illegal fabrication and purely retaliatory and nullifies California Law that gives the consumer at least 10 days from due date to pay mortgage loan without any penalties. The retaliation is intended to artificially induce financial hardship, enable OCWEN to declare delinquency, charge late fees and foil my satisfactory execution of terms of the loan and ultimately threaten foreclosure.
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2016-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dealing with Ocwen loan servicing and have been denied loan modification and multiple sending of paperwork and struggles with them is discouraging. I ca n't afford an attorney to do my modification for me, if I could, I probably would n't need a modification. They are crooks that just try to string people along and force foreclosure. my income was reduced due to hours cut at work from 40 to 30 and I could pay a modified payment. Denied and not helpful at all with any suggestions.
Company Response:
State: WA
Zip: 98226
Submitted Via: Web
Date Sent: 2016-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes