Date Received: 2016-01-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This is a continuation of my previous complaints that have not been sucessfully resolved. Here are the facts : 1.There are missing payments from both bankruptcy cases, ( I sent the the doc. with proof and they ignored them and forclosed anyway ) 2.There are missing payments from the XXXX or XXXX different mortgage companies we paid to before the modification, ( and the have doc. to prove that as well, no response ) 3.They are going to put a huge defecit on us for a tax burden that will starve us in the future! ( so they will tax the stolen money again as XXXX on out tax liability ) 4.They are playing games with me with the relocation money. I dont know what is truth or not. 5.I asked for the max amount of {$10000.00}, which is a drop in the bucket to the amount that is not accounted for. This is the results : a. reps from XXXX say that I will get nothing. b. another rep. says she will ask her supervisor and call me back c. a rep from XXXX calls and offers XXXX to move in 2 weeks ... .... I responded impossible to move in a shot notice and too little money. d. rep from XXXX calls and offers XXXX to move in same time frame e. several people are showing up at my home pretending to be people that can help me to get XXXX and want to come inside to talk to me. I refuse to let anyone in. f. I receieve a letter from XXXX XXXX XXXX XXXX on my door, and call Ocwen. They deny any involvement and pretend not to be part of XXXX and hint that it may be a scam to get money. g. XXXX XXXX ( XXXX ) calls, very rudly and leaves a demanding message to return a call. When I call she speaks cdown to me as if I 'm trash and says she is offering XXXX to move by XXXX of XXXX. I let her know I 'm moving all by myself and with a car. My spouse is XXXX, a veteran, and XXXX. I have to do the move all by myself and in a car, continue to work part-time, and asked for more money and more time. h. received an eviction notice to move in 3 days from XXXX representing Ocwen and the bank. i.XXXX called and said there is no offer of money .... HOW CAN THIS HAPPEN IN AMERICA!. YOUR HOUSE CAN BE STOLEN, FORCOLSED BY A BANK NOT INVOLVED IN YOUR LOAN, HOMEWNERS NOT GET CREDIT FOR PAYMENTS EVEN AFTER SHOWING PROOF, FORCED TO MOVE ON A SHORT NOTICE, TEASED OR LIED OR PLAYED WITH RELOCATION MONEY THAT MAY OR MAYNOT EVEN BE GIVEN! I DONT KNOW WHAT TO DO OR WHO TO BELIEVE, AND I 'M HAVING HORRIBLE THOUGHTS ABOUT THIS PROCESS. I NEED HELP WITH NOT BEING BURDENED BY TAX LIABILITIES, XXXX XXXX XXXX, AND HELP TO GET MONEY THAT I NEVER GOT CREDIT FOR.
Company Response:
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2016-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen Loan Servicing is foreclosing on my home again on XXXX XXXX XXXX. I have summited applications for mortgage assistance since they finally gave me a loan manager on XXXX XXXX XXXX which was 6 months after they acquired my loan and answered my constant calls & letters. After sending information said to have not received, incorrect over and over and new case managers over & over. I receive a notice for foreclosure. I have been forced to file bankruptcy XXXX times this last year to stop sale. My mother & I have been in the house since XXXX, my daughter & husband with XXXX girls since XXXX XXXX. XXXX XXXX after my XXXX year old son had a sudden XXXX XXXX in XXXX XXXX while visiting I filed bankruptcy XXXX because I could n't pay full {$6000.00}. in arrears. In chapter XXXX my payments went from {$1200.00} to {$1900.00} by XXXX. Total paid to load servicer ( Homeward ) at the time of dismissal due to server not providing courts with documents for continual increases, was {$40000.00} + but I was now {$20000.00} + in arrears. I then went to hearings fore sale with substitute trustees off loan XXXX and XXXX and they did n't even know Ocwen had taken over loan. I was given time to get them to intake my application and as I said that was 6 months in XXXX XXXX. Constant speaking to people in XXXX and sent this, that etc. Boom sale date I filed chapter XXXX XXXX with payments now $ XXXX mo. I did 6 months then filed application with Ocwen again over & over. Again no trial no denial boom sale date. I filed again. XXXX XXXX, XXXX and with payments {$2700.00}. I then tried to obtain reverse mortgate but i need to be paying mortgae for a year. So I fixed my home and put on market. With my credit destroyed I was advised this would be best. 3 weeks ago my other daughter moved in with her husband because in XXXX they had to leave their home from XXXX and she was diagnosed with XXXX that has put her hopefully temporary, in a XXXX. So I am sending my HAMP package again as advised by NC LEGAL AID and XXXX XXXX XXXX XXXX. I just do n't understand how with XXXX incomes and such efforts we have gone to to keep this home that there is not some government assistance program we have not qualified for. This is an interest only 5 % mortgage that was {$140000.00} that is now {$210000.00}? Payments were $ XXXX now {$1400.00}.?? I never have received any statements.. There is no reason Ocwen could not help find a program that even on trial bases would be to their advantage. Something is really strange here. I need to make normal payments and pay on principal as well.. I have tried everything and now again I 'm desperately wasting money to keep my home..because I want to stay in my home and pay Ocwen off in 18 months in full with a reverse mortgage. I have never been offered any trial payment plan or denial. This is a serious matter to take someone 's home that is trying and able to make normal payments and put XXXX familys out. I 've been running around trying to do what lawyers & advisers say. I believe that Ocwen along with XXXX XXXX XXXX think we are trying to get out of this. why else would they not make arrangements. Ocwen has lost their lisencing in several states and the internet I have researched NOW has hundreds of complaints. Please take this complaint under serious considerations. I 'm an intelligent person and ca n't get through this XXXX checks only wanting full amount that was monstrous now hurindous, but we would pay to stay with a payment plan. Talking to people in XXXX. Please.. This not right!! I 've put {$120000.00} + in down payment and payments and over {$21000.00} in new heat pump etc.etc prior to XXXX and $ XXXX through bankruptcy since XXXX. And I deserve a chance to make payments the right to pay you back in full? This is wrong!
Company Response:
State: NC
Zip: 28405
Submitted Via: Web
Date Sent: 2016-01-19
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: My mortgage company sent me a payment change letter with very contradictory information. The interest rate is increasing, however the payment is not. The amount amortizing for the balance is changing as is the interest, but the payment is not. Then the letter says that " the interest rate can change each time by no more than 99.99999 %. '' Additionally, the letter says that the payment as shown will cause the loan to be negative amortizing. I have received this type of letter before from the lender-OCWEN and asked them about the information and to provide an amortization schedule-to no avail. Their system is most likely not in compliance with federal regulations regarding the notice of payment change. Please review the letter attached and provide some clarification as this is a formal complaint.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2016-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My condo mortgage holde, OCWEN, rjust charged me {$1400.00} for a 12 month condo owner insurance policy, saying that I do not have adequate coverage for my condo unit.. so they have purchased coverage for me!!!. This is untrue. Our condo master policy covers the entire replacement cost of the my condo ... the only things not covered in our master policy are my personal furnishings. I have never been and am not currently without the OCWEN 's required coverage.
Company Response:
State: FL
Zip: 33040
Submitted Via: Web
Date Sent: 2016-01-19
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: well this is XXXX XXXX complaining about ocwen so I am very sure you know whats happening. and I want to let you know that ocwen just informed me this evening of an in house offer and this is what they said. we will take your interest rate to 2.0018 from 5 %. a house payment of XXXX a month. ( mind you our payments were XXXX a month when we started asking for help in 2011 ) and a net present value of our home at XXXX, and a market value of XXXX, with a principle balance of XXXX so our home is at present worth XXXX or XXXX and they are collecting XXXX with a very nice balloon payment of approx.XXXX at end of term. another helping homeowners is what we do, good deal from ocwen, right? ok, let me also say they have not even tried to ask our investor, XXXX XXXX for a principle reduction. you would think after all the XXXX they have put my family through they would at least ask .... they have our income at XXXX a month and want us to pay XXXX a month. then we have XXXX a month in child support, a XXXX yr old to support, groceries, electric, and so on ... .. there is something wrong here ....
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2016-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a XXXX Corporation ( " Assignor '' ) is attempting to transfer an assignment of deed of trust to XXXX XXXX XXXX, XXXX as trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX ( " Assignee '' ) on XXXX XXXX, XXXX. XXXX XXXX retroactively attached our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a XXXX law that prohibits fraudulent real estate filings. This assignment of deed of trust was signed by a known robo-signer XXXX XXXX. Declaration from President of XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a California Company from XX/XX/XXXX that XXXX XXXX XXXX is no longer engaged in the servicing of residential mortgage loans. XXXX XXXX has no servicing rights and does not own any residential real estate mortgages. Affidavit from XXXX XXXX, XXXX XXXX District Registry of Deeds, states that XXXX XXXX, person who signed the Assignment of Deed of Trust, is listed on XXXX XXXX XXXX Approved Robo-signers list. Our Chain of Title has been corrupted. OOMLT XXXX was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. Any attempt to assign the subject loan to the trust after the cut-off date would be in direct contravention of the laws governing the Trust ( PSA ) and thus rendering the fraudulent assignment of deed of trust filed on XX/XX/XXXX in the XXXX County Land Records office void. Ocwen is still engaging in illegal behavior. The assignment of deed of trust is attempting to sell, assign, transfer and convey unto Assignee that certain Deed of Trust executed by XXXX XXXX XXXX and XXXX XXXX XXXX, dated XX/XX/XXXX and recorded by File No. XXXX, of the Official Public Records of Real Property of XXXX County, Texas, encumbering the real property described as follows : Lot XXXX XXXX XXXX, a subdivision in XXXX XXXX, XXXX, According to the Map or Plat of Record in cabinet XXXX, Plat records of XXXX County, XXXX ( Property ) Street Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This assignment of deed of trust is recorded by File No. XXXX, of the Official Public Records of Real Property of XXXX County, XXXX. This illegal behavior by Ocwen Loan Servicing , LLC has created a cloud on title to real property under Texas state law.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2016-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-19
Issue: Settlement process and costs
Subissue:
Consumer Complaint: ref : XXXX. On XXXX/XXXX/2015 I sent the claims package with the signed check to Ocwen, paid extra money to get the money returned to me overnight. Ocwen deposited the money and my statement shows the money applied as of XXXX/XXXX/2015. I have called XXXX XXXX 3 times and left messages without getting any return phone call. I started the work needed, had I not done that, I would have been flooded twice. Just how much time do they need to return some money ( my money ) to me. What is the proper procedure from here. This problem now is going on 3 years, enough is enough.
Company Response:
State: FL
Zip: 32796
Submitted Via: Web
Date Sent: 2016-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-19
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Per request of CFPB on XXXX consumer is resending the Qualified Written Request to be answered by Ocwen. A qualified written request was sent to CFPB and received by them on XXXX and was not assigned a case number for Ocwen to respond to. Ocwen is in receipt of the attached QWR and should respond accordingly to CFPB. Consumer requests that the attached QWR be resent to Ocwen so that consumer may retain their right to dispute any documents submitted to CFPB by Ocwen.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2016-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX XXXX , XXXX, an alleged debt collector, submitted a notice to me that Ocwen Loan Servicing , LLC is a creditor, and they are alleging that I owe them {$120000.00}. We have disputed this fraudulent debt on XX/XX/XXXX because Ocwen Loan Servicing , LLC is committing fraud, submitting fraudulent claims and pretending to be a bank, mortgage lender plus Ocwen Loan Servicing , LLC but acting as a bank, mortgage and finance company. Furthermore, I also requested that XXXX XXXX XXXX, XXXX XXXX The Mississippi State Bar Codes for all their employees in Mississippi because they utilized these same illegal tactics to try to foreclose on my property on XX/XX/XXXX, although they were aware that Ocwen Loan Servicing , LLC or any other entity do not have ownership of my mortgage nor the note. The fraudulent mortgage note was eventually extinguished in my United States XXXX Federal Court Bankruptcy hearing on XX/XX/XXXX which Ocwen Loan Servicing , LLC failed to appear. Allegedly, XXXX XXXX XXXX, XXXX and Ocwen Servicing, LLC, and others are involved and implicating themselves in a housing ponzi scheme plus The RICO act needs to be implemented. This information is also on record at The United State Bankruptcy Court for the XXXX District of Mississippi ( XXXX Divisional Office ).
Company Response:
State: MS
Zip: 39056
Submitted Via: Web
Date Sent: 2016-01-19
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have been having a problem with a mortgage Modification loan with GMAC Mortgage, Owcen Loan Servicing and XXXX since XXXX/XXXX/XXXX. Yes some three and one half years. I have experience misdated letters, miscommunications, multiple relationship managers, 4 approvals for a loan and mortgage amounts and loans which did not match the information I was given by these companies. Since this has been dragging on since XXXX we have had to incur some {$88000.00} of interest and fee 's we believe needs to be credited on the loan by Owcen Loan Servicing, LLC. They are now trying to schedule a " Trustee Sale '' for XXXX/XXXX/XXXX even though they have a new packet ( application ) in review which is a violation of The federal governments Affordable modification Act. I have just sent all companies concerned a demand letter asking to have the " Trustee Sale '' Cancelled upon pending application review and to send us a certified letter no later than XXXX/XXXX/XXXX resending that sale. We are in receipt of all communications with these companies, expanded summaries of the situation and a " TIME LINE '' upon request. Our HUD/XXXX Representative from XXXX XXXX - XXXX XXXX XXXX suggested we file this complaint with your office.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No