Date Received: 2016-01-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is in reference to Case # : XXXX, to which Ocwen Loan Servicing , LLC, responded to electronically to the CFPB on XXXX/XXXX/XXXX ( copy attached ). With regard to this XXXX/XXXX/XXXX electronically submitted response to the CFPB, there continues to be false, deceptive, manipulative & misleading statements/explanations by Ocwen with respect to the true facts. Ocwen maintains that its XXXX/XXXX/XXXX late payment reporting to the credit reporting agencies remains unchanged. To that effect and in view of the fact that Ocwen has been relentlessly providing false, deceptive, manipulative statements & explanations to the CFPB, a regulatory federal agency, Ocwen deserves to be financially penalized for such egregious actions on its part. Ocwen repeatedly asserted & continues to assert that it paid property taxes to XXXX County on XXXX/XXXX/XXXX. However, Property Tax-Tax Bill current records ( copies attached ) show that such property tax bill was in fact paid on XXXX/XXXX/XXXX ( a day after I effectuated the closing sale of my home in XXXX, Florida ) by XXXX. Such payment was never made by Ocwen within the time period it repeatedly kept on refering to. And, its reference to a XXXX/XXXX/XXXX email supposedly to XXXX XXXX XXXX, XXXX from Ocwen, is erroneously being described as such by Ocwen. In fact, in my most precedent complaint, I submitted an email attachment which is from XXXX to me and which states according to XXXX representative : " I just spoke to Ocwen. The taxes HAVE NOT been paid. They are scheduled to be paid by the end of the month. They are assessing you a {$480.00} fee for the shortage that will be in the account once the taxes are paid. They collect that in advance of paying the taxes. At this time, I will have to collect the taxes on the HUD. I ca n't adjust the payoff in anyway and you would have to consult with them to get the refund back after closing. The new payoff brings your cash to close total to {$2900.00}. This would have to be paid at closing on Monday in the form of a cashier 's check. Please advise how you would like to proceed. '' That verbal communication which XXXX reports to have had with Ocwen re-enforces the fact that Ocwen had told XXXX that it would not pay the taxes until by the end of XXXX ( and why did Ocwen suppossedly went ahead afterward to pay the taxes again, once they had already been paid by XXXX? ). The payment of taxes by Ocwen in late XXXX and not on XXXX, is unequivocally supported by the response to me by the Deputy Tax Collector at XXXX County which explains in her email ( copy attached ), that on XXXX, XXXX that XXXX County issued a refund check, # XXXX in the amount of {$13000.00} for reimbursement of several parcel accounts that were previously paid, one of which was my parcel. Nevertheless, Ocwen states in its most current correspondence that it received a tax refund of {$2900.00} on XXXX/XXXX/XXXX, which in fact contradicts the explanation given to me by XXXX County 's Deputy Tax collector. Ocwen uses the PayOff Quote document which it had submitted to validate its entrenched resolution for keeping unchanged the delinquency reporting to the Credit Bureaus. However, its letter also clearly stipulates the followoing : " After the payoff funds have been applied, and the account has been reconciled, any overpayment of funds will be returned to the borrower through regular mail within 20 days of the date funds are received. Escrow account overages will be disbursed within 20 days. '' The total loan payment to Ocwen was made on XXXX/XXXX/XXXX and the property taxes were paid by me ( via XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX ), so why is it until now that no refunds have been submitted by Ocwen? It is my firm belief that for as much as Ocwen can stubbornly continue to report a delinquency, it should also be financially penalized.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2016-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen misrepresented my foreclosure date to me. On XXXX XXXX, 2016, an Ocwen representative telephoned me and told me that a foreclosure sale on my house would occur on XXXX XXXX, 2016. I believed that this person was telling me the truth and that I would have to move out before this date. Because I have no where else to go, I assumed I would become homeless and have to stay in a shelter or live on the streets. I was extremely upset by this information. By chance, I happened to learn that this was not true : Connecticut is a judicial foreclosure state, and the court has not ordered a foreclosure date in my case. No judgment of foreclosure has even been entered. Not only is there not a foreclosure sale on XXXX XXXX, but a foreclosure sale has n't been ordered at all by the court. If I had n't happened to find out that Ocwen was lying to me about my foreclosure, this misrepresentation could have needlessly caused me to become homeless.
Company Response:
State: CT
Zip: 06410
Submitted Via: Web
Date Sent: 2016-01-13
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: Ocwen Loan Servicing received my mortgage payment on XXXX/XXXX/2016 & recorded it into my mortgage history AND then returned said payment to my bank account recording my payment as late. I contacted Ocwen who said they would not provide me with a reason for my payments return and now that they recorded my mortgage as late after receiving said payment I want evidence they were at fault.
Company Response:
State: FL
Zip: 344XX
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 servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen has not been helpful when it comes to me making my payments. I make my payments in person at a local office. It takes a long time for them to process payments and they hold me accountable for paying late fees I should not be paying. I met with a Housing Counselor who has assisted me in my attempts to bring my account current. Last time we spoke with Ocwen they provided the amount due to bring the account current. We sent in that exact amount split into different checks because I had gotten assistance from different sources. They sent one back stating it was not the full amount due, well neither was the other half they accepted. Their customer service will just read the notes to you, and not look or even try in anyway to assist. This has been taking so many hours and I am still not able to resolve the issue yet. It all started on XXXX/XXXX/2015. They sent my payment XXXX years ago they claim, I have not gotten anything back yet. They told me to just re-send it, I see this so pointless. They have added a late fee once again, they should be responsible for not processing the payment correctly, and somehow it ends up being my fault. They have not even offered any type of assistance to me. I have XXXX, and have been having XXXX. When I reached out to them, and explained my hardship they simply said ... .. " This is the amount that is due on your account, do you think you can pay today? ". When Ocwen says, " Helping customers is what we do '' I feel like its a straight lie! Even if they do n't help me, can they just simply do their job right?
Company Response:
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2016-01-14
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am submitting a complaint against Ocwen loan servicing, XXXX XXXX XXXX XXXX. and XXXX and XXXX. Ocwen continues to deny any wrong doing each and every time my complaints are filed. I still maintain possible collusion with Ocwen, XXXX XXXX condo assoc. and XXXX and XXXX. By Ocwen 's own admission, they knew full well that I was in litigation with XXXX XXXX condo assoc. and that XXXX XXXX XXXX were their legal representatives. Still Ocwen paid XXXX XXXX XXXX XXXX. {$21000.00} even before my case went to court. As Ocwen claims they, were in touch with the law firm of XXXX XXXX XXXX well before this was set to go to trial and Ocwen did not even wait to see what the outcome of this trial would be and still they paid XXXX XXXX condo assoc. {$21000.00}. Nor did Ocwen at any time contact my attorney - XXXX XXXX of XXXX XXXX XXXX, or myself to find out if any of XXXX XXXX XXXX XXXX. 's frivolous allegations were even true or even had merit. Even though again, knowing full well I had legal representation. Yet throughout this process they were in constant contact with XXXX XXXX the attorney representing XXXX XXXX condo assoc. So again, I can not help but feel that Ocwen and XXXX XXXX and XXXX XXXX XXXX XXXX. were in on this together. XXXX & XXXX were paid twice - first by Ocwen then a few months latter by me after this issue was settled with me. Is this legal? Also, XXXX XXXX XXXX 's invoice which was submitted to Ocwen shows a line item for {$15000.00} for fines for violations which they were not even entitled to according to my settlement agreement. The attorney fees were {$2600.00}. According to my settlement agreement the attorney fees were {$2200.00}. How many times are attorneys allowed to collect for the same thing? Again, XXXX XXXX XXXX XXXX. also alleged that I ruined the looks of this condo and took away the beauty of this place. Be aware this is a small condo community with only XXXX units and if a person did n't know better, they would think it is in a third world country. No way was their over {$30000.00}. of damage done to this establishment. If anything, according to other residents who live here, I actually improved on the condo property appearance. Also, XXXX XXXX has a very bad habit of not notifying the condo residents where their money is going. For instance, never has the condo assoc. ever even acknowledged that they even received the money from Ocwen. I ask, where/who did the money go to? XXXX XXXX also has a bad habit of collecting other money for " special assessments '' and then not spending the money on which such money was collected for. For instance, a few yrs. ago a special assessment was collected for approx. {$5000.00} which all residents were required to pay for a new roof - XXXX residents x {$5000.00} = {$100000.00}. A new roof was never installed. When XXXX XXXX XXXX XXXX. were confronted about it, they claimed it was used for past water bills. Now XXXX XXXX XXXX XXXX. is pursuing a roof a claim with our homeowners insurance. This has got to be investigated. Ocwen is on the verge of bankruptcy. Their stock was approx. {$60.00} per share a couple of yrs. ago and as of today it closed at {$6.00} per share. Ocwen has ongoing lawsuits and if they loose even half of them, they ca n't afford to pay for them. My concern is, Ocwen will go bankrupt before this is settled and I am going to be out of luck. I have had XXXX XXXX and I am unable to work full time. I believe it is the stress caused by Ocwen, XXXX XXXX and XXXX XXXX XXXX.
Company Response:
State: MO
Zip: 63011
Submitted Via: Web
Date Sent: 2016-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received from the city of XXXX a tax statement to be refunded money for school taxes in the amount of {$330.00} and {$570.00} for the tax year of XXXX and XXXX. I have been calling XXXX to get a receipt sent to me stating my taxes were paid for XXXX and XXXX and they refuse to send the information to me. I would like my money returned to me and I keep getting the run around about my request about the tax receipt.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2016-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-15
Issue: Settlement process and costs
Subissue:
Consumer Complaint: On early XXXX, XXXX. I received a letter from Ocwen Loan Servicing , LLC . dated XXXX/XXXX/XXXX ( See Attached ) stating that a loan modification denial letter previously send pertaining my application for mortgage assistance may not have contained the gross monthly income used in determining my eligibility. Since Ocwen might not have included the original income in the previous modification letter, Ocwen was offering me the opportunity to dispute the modification decision. I disputed the loan modification decision. I received a respond on a letter dated XXXX/XXXX/XXXX ( see Attached ) stating that Ocwen was denying Loan Modification because the owner of my loan does not allow modification. Why Ocwen encourage me to apply to loan modification if Ocwen knew that owner of loan does not allow modification? In my opinion, Ocwen encourage me to apply to loan modification in order to cover for their mistake stated on letter send on XXXX/XXXX/XXXX and have acted in bad faith. After receiving numerous threating letter from Ocwen, I decided to put my house of 15 years for sale. Ocwen send me a payoff quote dated XXXX/XXXX/XXXX ( see Attached ) valid through XXXX/XXXX/XXXX. On XXXX XXXX, XXXX I requested a revised Payoff quote to be Valid through XXXX/XXXX/XXXX I was told that I was going to receive it in about 5 business days. As of today, I have not received Payoff quote. On XXXX XXXX, XXXX, XXXX XXXX, Senior Escrow Officer from XXXX XXXX XXXX Company requested a Payoff quote from Ocwen to be Valid through XXXX/XXXX/XXXX as of today, XXXX XXXX have not received Payoff quote. Today, XXXX XXXX, XXXX XXXX XXXX called Ocwen and explained urgency in getting Payoff quote today because escrow is closing tomorrow morning, XXXX XXXX, XXXX. During the course of conversation between XXXX XXXX and an Ocwen supervisor from Ocwen escalated department, private sensitive information of me was disclosed by Ocwen supervisor such as loan was in delinquent, time loan was in delinquent, and other personal information that I did not consent to be disclose. My privacy was violated by Ocwen. Supervisor at Ocwen told XXXX XXXX that Payoff quote could not be send today for escrow closing because Ocwen needed to add Attorneys Fees to quote. I know for a fact that my home is not in Foreclosure preceding. I have not received any letter of default. In fact, please look at Payoff quote attached, there are no attorneys fees. Nothing have change. There should be no attorneys fees added to any Payoff quote. Ocwen is holding my escrow closure due to take place tomorrow, Friday, XXXX XXXX, XXXX because they want to add more fees for themselves. Ocwen has been given plenty of time to produce payoff quote. I requested payoff quote back on XXXX XXXX, XXXX. I am not able to close escrow tomorrow due to Ocwen behaving in a dishonest maner in order to collect more money in fees and XXXX. If I do not close escrow tomorrow, I will cost me a lot of money in fees and Interest. I will put more money in Ocwen 's pocket. Please investigate my file asap. I believe my privacy and rights are being violated by Ocwen I need help. thank you
Company Response:
State: CA
Zip: 94080
Submitted Via: Web
Date Sent: 2016-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We entered into an agreement with our servicer on new payment terms for our mortgage through email with our attorney and their attorney. The servicer agreed to adjust our interest rate, reduce the unpaid principal balance, adjust our monthly payment amount, correct our property address and offered us a settlement amount of {$18000.00} in exchange for us dropping our law suit against the servicer with prejudice. The servicer than produced a formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) that provided language that we did not agree to. There was also an issue on who " relevant parties '' are regarding the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ). We exchanged emails with the servicer 's attorney to change the language in these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), but the attorney did not agree to changing the language and told us if we did not sign these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we would not have an agreement. The CFPB has found that these agreements are not required for the servicer to grant homeowners a loan modification. The servicer is now attempting to foreclose on our home because they will not grant us a loan modification without signing these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) and never adjusted our interest rate, unpaid principal balance, monthly payment amount, corrected our property address and did not pay the settlement amount of {$18000.00}. As part of the agreement, we had to non-suit our lawsuit with the servicer with prejudice. Since the servicer 's attorney informed us that there is not an agreement if we did not sign the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we non-suited our lawsuit without prejudice. The servicer 's attorney filed a motion to get the judge to force us to honor the agreement and changed our non-suit to with prejudice. We did appeal the trial court 's decision and the appellate court ruled we did have a valid Rule XXXX agreement but that the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) exceeded the scope of the Rule XXXX agreement. The servicer has still not provided us a loan modification as agreed and plans to proceed with the foreclosure. The servicer had posted our home for foreclosure sale on XXXX/XXXX/2016, but we filed a temporary restraining order. That TRO expired on XXXX/XXXX/2016. Our home has now been listed for foreclosure sale for XXXX/XXXX/16.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2016-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I 've submitted requests and financials to Ocwen Loan Servicing for a mortgage modification several times. I spoke with the relationship manager that was handling my account and he assured me my request was being processed. Ocwen foreclosed on my property during the process, I did n't receive a denial letter from Ocwen stating that my modification request was denied or they were moving forward with the sale of my property. The property foreclosure sale letter I received from the foreclosure attorney was dated XX/XX/2015 stated the foreclosure property sale would be held XX/XX/2015. It is a misdemeanor in the state of Tennessee for the mortgage company and foreclosure attorney not to give a 30 day notice prior to foreclosure. I want to keep my house. I still reside in the property.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2016-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have lived in the XXXX XXXX area since XXXX, and want to spend my retirement years in my home. I have seen good times and bad due to the economy and had been struggling in recent years. Unfortunately, I may be forced out of my home by my mortgage holder, I am writing to this office to request immediate assistance with my delinquent home loan. For the last several years, I have been battling to be properly reviewed for a loan modification. Despite hours of research, phone calls, and frustration I am closer than ever to losing my home. I hope that writing to this office will change the tone of our discussions. To ensure that I am treated fairly, I will also be writing to the government and the media. As I have discussed with OCWEN representatives in the past, the last few years have been difficult for me financially. My husband passed away in XXXX from a XXXX He was the main source of income, he was self-employed for 30 years XXXX. This was the start of my emotional, physical and financial hardship ; my body took a toll from the personal crisis and I fell XXXX. I shared my story with your representatives many times. I called to request assistance with my payment. I was disappointed when I could n't get past the gate-keepers. I was declined over the phone without any detailed review of my finances. Shortly after, your company began filing legal documents to accelerate the foreclosure process. After thoroughly reviewing my loan 's history, it appears that there are some serious questions regarding your company 's legal footing to foreclose on my property. In XXXX I evidently I qualified for a trial loan modification payment. The offer was ridiculous, rate dropped from 6.75 % to 6.00 %. It was only a {$30.00} savings a month. OCWEN was and continues to be hard to work with. Their insurance department, without notice added flood insurance to my payment at a cost of more than {$200.00} per month. This was outrageous as my home is not in a designated flood area, but the bank insisted on this. I was laid off XXXX, and am now collecting unemployment. Prior to I earned a substantial fixed income and I was back on my feet. I am diligently seeking employment. I am doing everything in my power to keep my home, the home I lived since XXXX. The last hurdle in rebuilding my life is to get this loan under control and I can not do so by myself. It 's time that OCWEN come to the table in good faith and find an arrangement that accounts for my hardship as well as my present financial Circumstances. As discuss above, I have real questions about the paper trail that your company is relying upon to pursue foreclosure and I will fight this foreclosure legally if necessary. However, I would rather come to a common solution that puts this foreclosure to rest and allows me to XXXX repay this loan in a reasonable way. I am comfortable here and, based on government guidelines and my current income, my loan qualifies for help. I am hoping that you could contact them on my behalf and see if they will open a discussion regarding retention of my home. I want OCWEN to stop the foreclosure process and review my loan for retention options and would be forever grateful for any help you could provide.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2016-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No