Date Received: 2016-01-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Owen took my mortgage from GMAC when they did they took all the supposed late payments from them and and added it to the new transaction. I went through the Unemployment while that went on for 5 to 6 months. In at this point I went through a Loan Modification and that is when XXXX took over and I was never late with GMAC not XXXX time. I did n't know it would affect my mortgage history. I was never late with my payments. Not to GMAC or XXXX.How can they do this saying I was late? I had XXXX before and had trouble with them before and thank the good guy GMAC to it over. Being that late do n't you thing I would have lost my house I am still at the same address. XXXX I was diagnose with XXXX XXXX and went through many surgery 's and that is why I got help from GMAC.
Company Response:
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2016-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-15
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In 2013 my lender purchased my loan which was just modified. They sent me a XXXX Cancellation of debt for roughly {$56000.00}. I filed it with my taxes. They sent me a payoff letter that I requested immediately after receiving the tax XXXX c cancellation of debt of roughly {$37000.00}. On the website it says I only owe them {$37000.00} but on my credit it says {$86000.00} is owed. They told me that the IRS told them to give me that form but not to cancel the debt.
Company Response:
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2016-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-18
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: A few months after Ocwen took over the servicing of our mortgage in early 2012, I began receiving junk mail ( mostly credit card offers ) in the mail almost daily. Ocwen is the only account I have that still includes my ex-husbands name on it, so it was n't hard to figure out who was sharing our information as every letter is address to XXXX us. I opted out by mail AND fax every chance I had when presented with the option, but the junk mail continues to pour in to this day. It 's a terrible waste of resources and needs to stop.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2016-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Me and my wife have been fighting Owen lending services for 8 months. It started when they raised our payment XXXX XXXX dollars a month. My wife called them they said that was are payment and they would have research it so that went on for six months we made the payment then all of a sudden are payment is back to normal. Just recently we get a call stating that we are late when we have made all payments in the full amount and on time. I need help dealing with these people! I have online there is so many people complaining about the same things with this company I can not believe they are still allowed to do business in this state. I hope you can help us
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2016-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been fighting with ocwen for 3 or more years to get a modification last year ocwen gave us a trial modification so on XX/XX/XXXX we paid them XXXX then on XX/XX/XXXX we paid them XXXX and again on XXXX of XXXX before XX/XX/XXXX we start getting letters that we did n't pay so I call them and the person I talk to tells me I have to talk to my relationship manager so I make an appointment no one calls this has been going on for a year now I have a sale date on my house and I finally get some one to talk to me a week before the sale date they claim they never got to payments so I send them the bank statements they say they will investigate it well now my sale date is 3 days away and I log on to there Web site and on XXXX/XXXX/16 they say I do n't qualify for the modification so how is it that I hold up my end of the deal and they say I do n't qualify?? They are a rip off so If I want to keep the home I have to file bankruptcy or just walk away from the home what are people that ca n't afford an attorney supposed to do
Company Response:
State: UT
Zip: 84118
Submitted Via: Web
Date Sent: 2016-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am following up on my complaint filed to you regarding Ocwen Loan Servicing. It is my understanding that regardless of any outcome, they are simply regarding the matter ''closed. '' I strongly disagree ; the matter is far from closed. While we have been negotiating for more than six months, I believe Ocwen has failed to negotiate with me in a truthful manner. Through mediation on XXXX XXXX, XXXX, we reached an agreement that called for a principle reduction of some {$170000.00}, for a loan of XXXX, at 2 % interest, for 40 years. Those terms were to take effect in XXXX of XXXX, after I had made XXXX trial payments of {$2500.00}. I made those XXXX payments. However, the contract I received from Ocwen differed greatly from the agreement I was led to believe we had reached in mediation. Not only that, Ocwen had taken it upon themselves to change definitions. The contract I received called for principle deferment, with a balloon payment of some {$170000.00} at the end of the contract. That term, principle deferment, was never mentioned in any previous discussions with Ocwen and was not mentioned in our mediation session. At our second mediation session, on XXXX XXXX, XXXX, I objected to this switch. Also, the mediator agreed that principle reduction and principle deferment are XXXX different terms and should not be used interchangeably. In fact, the mediator said she had never seen any bank or loan service company try to use them interchangeably. Principle reduction is what it mean, XXXX principle reduction, she said. When questioned, Ocwen 's legal representative replied that principle reduction and principle deferment were XXXX and the same. In addition, I presented a letter - dated XXXX XXXX, XXXX - from yet another Ocwen employee, an account analyst who signed his name as XXXX XXXX, stating that he would not be able to reply to my principle reduction/principle deferment complaint until XXXX XXXX, XXXX. Of course, that letter led me to believe I had until then, at least, to respond to Ocwen 's surprising offer. I asked for another month from that to consider, thinking perhaps the terms would change. Ocwen 's legal representative spoke on the phone with someone from the company, who said I had to accept or reject the offer by Friday, XXXX XXXX. I then asked how could the deadline be XXXX XXXX, when your own employee said he could n't answer until the XXXX? I was told, again, that my deadline was the end of the week. A third mediation session was scheduled for XXXX XXXX. I have since received another letter - dated XXXX XXXX, XXXX - from another Ocwen employee, an account analyst who signed her name XXXX XXXX, stating that she could not answer my complaint until XXXX XXXX, XXXX. I have to ask, what 's the point, if Ocwen has already ignored the work done by XXXX XXXX? I left that XXXX XXXX meeting with the firm belief that Ocwen has never negotiated in good faith, and that, although Ocwen may well consider the matter closed, it is anything but. I strongly believe that Ocwen has been unfair, deceitful, and abusive in its dealings with me. I believe Ocwen has violated the protections afforded to consumers as provided by Dodd-Frank. I believe that Ocwen wants to brush this aside. I believe that Ocwen anticipates that I will buckle under the pressure of the XXXX high stack of paperwork they have sent me. I will not. I would like, with the help of your office and the office of your ombudsman, to reach the legally correct outcome to this dispute and have Ocwen honor its original offer - a principle reduction of some {$170000.00}, a loan of {$400000.00} at 2 % for 40 years, with no balloon payment and no hidden/disguised principle deferment. Thank you for your attention to this matter.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2016-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. MGL Chapter 265 Section 37 MGL Chapter 260 Section 2. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2016-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have a loan serviced through Ocwen. We did a temporary modification in XXXX and they advised if we paid on time every month, in XXXX of XXXX they would do a permanent modification. In XXXX or XXXX XXXX they requested updated documents for modification and we provided them. They came back and refused an additional modification and advised a balloon clause was on the temporary modification and payment was due in full XXXX/XXXX/XXXX. This was obviously surprise. They refused a modification initially. We tried to get them to allow a possible short sale or deed in lieu. They refused all attempts to resolve it and demanded payment in full. They also would not allow us to make any further payments on the loan. Their only option was to accept another modification that would have extended it 4 months, but added XXXX ( {$9000.00} + ) of dollars to the payoff which be due in full XXXX/XXXX/XXXX. If we accepted that we would have pay {$500.00} by XXXX but a balloon payment was still due XXXX/XXXX/XXXX. A few months ago we listed the property to try and sell it and cover the loan. We finally ratified a contract and let them know we were selling around XXXX XXXX XXXX with a settlement in XXXX XXXX. We requested a payoff and they advised they could only offer a payoff for 30 days ( as they have been each month ). They also let us know that the loan would be going 120 days late XXXX and foreclosure could start, but said they could put a hold on the foreclosure proceedings since we signed contract to sell. They sent us a payoff but it was only good till XXXX XXXX. Fast forward to XXXX and we called to let them know that with money from family we were actually paying the loan in full with the applicable per diem interest and would be sending it overnight. Unfortunately we got a letter from an Attorney the same day, but oddly that later was dated XXXX XXXX, 1 day before the payoff expired. That letter demanded a payoff amount with over {$9000.00} in attorney fees now added. They then claimed that they could not put a hold on the foreclosure and multiple people advised they never even heard of that process. We contacted the obudsmen 's office and they advised they would investigate and did. He said the individual that told us the foreclosure could be put on hold was never promised. Ocwen advised they now need to do another appraisal on the property to even release a payoff quote. Which of course we will be charged for. They said they are now temporary holding the foreclosure but have not provided an updated payoff. We have been trying for a week now to pay this in full and they continue to say the attorney fees are due in addition to the loan payoff, but we can not get an actual payoff until we agree to that other appraisal. And that payoff will only be good for 30 days, but for some reason the last payoff was only good 17 days. Its our opinion they short changed the payoff in order to have the attorney produce the letter and collect additional money. The request is for approximately {$9000.00} in attorney fees from the letter on XXXX/XXXX/XXXX, yet the earliest the attorney could have been advised of the foreclosure was XXXX/XXXX/XXXX due to the new year holiday. How does that happen when we an outstanding payoff good till XXXX and how can they claim {$9000.00} in attorney fees after only having it referred 1 day previously and producing 1 letter. We want this resolved by honoring the payoff that was produced prior to the attorney fees being added and we will gladly include the per diem interest.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2016-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was approved for a HAMP Loan Mod on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I lost my job. I spoke with my relationship manager and XXXX advised I either make the payments timely or reapply for a loan mod. I had already waited a year to be approved for the loan mod. I paid Ocwen when I was unemployed, I was concerned if I reapplied my payment would be higher. XXXX DID NOT ADVISE ME YOU CAN ONLY GET A HAMP LOAN ONE TIME ONLY. I made payments with an agent by Phone for XXXX, XXXX, XXXX payments. On XXXX/XXXX/XXXX, I called to say I would be paying more timely. XXXX told me I was denied because I did not return my paperwork to be notarized. I told her I never received the paperwork and I was not told they did not receive it. I was told they showed tracking that this was mailed to me without a signature. I SAID WHY WOULD I MAKE PAYMENTS AND NOT RETURN THE PAPERS IF I RECEIVED THE DOCS? I SAID " THIS DOES NOT MAKE SENSE ''. I asked why I never received a letter I was denied or a phone call. XXXX said several calls were made to my voicemail that was full. I said I have been looking for employment and my voice mail and cell phone never showed calls from Ocwen. I said you must have called my home phone that is not working. SHE THEN GAVE ME MY HOME PHONE NUMBER TO CONFIRM AND ALSO MY CELL PHONE TO CONFIRM. I SAID I DO N'T UNDERSTAND WHY YOU CALLED BY HOME PHONE WHEN EVERY APPT CALL WE HAD WAS MADE TO MY CELL AND I SAID THE BEST NUMBER TO REACH ME AT IS MY CELL NUMBER. I said I did not receive any phone calls from the end of XXXX through XXXX. I NEVER RECEIVED A DENIAL LETTER OR TRACKING THAT I RECEIVED A DENIAL LETTER. She said l would need to reapply for another loan mod. I WAS NEVER GIVEN THE OPPORTUNITY TO DISPUTE MYHAMP DENIAL WITHIN 30 DAYS OR A CALL OF THE DENIAL ON A VOICE MAIL THAT WAS NOT FULL.. When I reapplied, I was approved for a standard loan at a higher rate and my payment jumped from {$1200.00} to {$1600.00}. THIS IS A {$390.00} DIFFERENCE. MY INSURANCE WENT UP {$120.00} a year and my taxes went down. IMAGINE MY SHOCK WHEN XXXX SAID on XXXX, CONGRATULATIONS YOU HAVE BEEN APPROVED FOR A LOAN MOD to I was told it would be a higher amount.. I asked for the information and she said it was not available and they mailed it out. She later gave me the information. OnXXXXXXXX, I was told the loan mod mailed XXXX. XXXX said I could dispute this but hold on to the loan mod paperwork. She spoke to her manager XXXX XXXX and they would send this to underwriting. On XXXX, I was advised I could not dispute this. On XXXX, I spoke with XXXX XXXX at the Ombusman office. HE SAID HE DID NOT SEE ANY RECORD OF ME BEING TOLD I WAS DENIED WHEN I PAID AN OCWEN AGENTS BY PHONE. On XXXX/XXXX/XXXX, I was told by by a relationship manager I could not dispute a loan mod after I was approved. ONLY IF I WAS DENIED. FUNNY, I NEVER HAD THE OPPORTUNITY TO DISPUTE THE HAMP DENIAL OR WAS GIVEN A PHONE CALL OR DENIAL LETTER AND TRACKING OF DENIAL LETTER. I reapplied for a loan mod last year, because my payments were increased {$150.00} a month due to escrow.My insurance only went up {$12.00} a month and my taxes went down. I then got insurance that cost less. My payments have now been changed to the amount it was before the loan mod.
Company Response:
State: IL
Zip: 60060
Submitted Via: Web
Date Sent: 2016-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. MGL Chapter XXXX Section XXXX MGL Chapter XXXX Section XXXX. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section XXXX or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2016-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No