Date Received: 2016-01-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My home has been stolen by Wells Fargo Bank N.A . but XXXX XXXX XXXX XXXX has fraudulently used XXXX and XXXX XXXX law firm ( out of XXXX XXXX Arkansas ) to foreclose on my home. XXXX XXXX XXXX XXXX signed as the attorney in fact for Wells Fargo NA Bank on a substitute trustee filed in XXXX XXXX, TN registry of deeds. Wells Fargo has foreclosed on my home and sold it back to themselves. They never sent me XXXX bill nor responded to any of my legal requests.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2016-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan was assumed by OCWEN in 2013. I have been receiving phone calls stating that I am behind on payments and charged late fees.I made payments to OCWEN for my mortgage. In looking at my payment history OCWEN applied some these payments directly to the principal balance. This created a shortage or " suspense '' for the following month. I have called to have the principal payments applied as a regular payments to my account. OCWEN not processing payments correctly to my account. " Suspense '' and " payment rev '' 's are not being credited properly to the account. I am being charged late fees and they have reported this on my credit report.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2016-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Foreclosure Trustee file fraud documents in the county land records and the county ( XXXX ) clerk office in around the state of Maryland setting foreclosure sale date for XX/XX/XXXX before the case hearing on XX/XX/XXXX see similar actions of this law firm fraud is fraud and these is no expiration date on fraud intentions by these plaintiffs. per Foreclosure Trustee fraud allonge knew the allonge was not sign by banking officer but by document manufacturing company XXXX several years after the bank cease to exist from a defunct institutions similar to XXXX featured in XXXX fraud on court several allonge, XXXX XXXX Unconscious deceptive allonge of XXXX XXXX, XXXX XXXX undatedXX/XX/XXXX Matter set for hearing on XX/XX/XXXX at XXXXXXXXCopies mailed per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX XXXX XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX XXXX per Foreclosure Trustee fraud Motion Ocwen Loan Servicing notary fraud allonge, XXXX XXXX GMAC, Ocwen , XXXX XXXX depositions/cases of XXXX XXXX allonge per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX , XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX per Foreclosure Trustee fraud Motion Ocwen Loan Servicing notary fraud allonge, XXXX XXXX GMAC, Ocwen , XXXX XXXX depositions/cases of XXXX XXXX allonge per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX , XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX XXXX
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2016-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-10
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: ocwen lona servicng XXXX, XXXX, XXXX XXXX, XXXX debt collector above the law, gaming the sysyem, a pattern as attached will answer XXXX, Foreclosure Trustee file fraud documents in the county land records and the county ( XXXX ) clerk office in around the state of Maryland setting foreclosure sale date for XX/XX/XXXX before the case hearing on XX/XX/XXXX see similar actions of this law firm fraud is fraud and these is no expiration date on fraud intentions by these plaintiffs. judge rule for hearing on XXXX/XXXX/XXXX hearing date XXXX/XXXX/XXXX law firm debt collector back-dated information set sale date for XXXX/XXXX/XXXX beacuse they are above the system, gamiing the sysytem mailed dated sent for sale date was stamped XXXX/XXXX/XXXX denial my right to defend, knew the documnets file in court was fraud the assignments document fraud to game the sysytem they set a sale dat before the hearing, this a partner with this firm XXXX, XXXX, XXXX XXXX, XXXX, of XXXX, XXXX as atthached
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2016-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-10
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have a complaint about OCWEN who is servicing our mortgage loan. My husband and I, who are both seniors have applied to refinance our OCWEN serviced loan under a reverse mortgage with a different lender. The process has gone well until a request for the OCWEN serviced loan payoff requirements request by our potential new lender/title company. Briefly, this process has gone as follows : On XXXX XXXX, XXXX an initial request for payoff requirements, on our behalf, was sent to OCWEN by title company. Ocwen, then requested a copy of appraisal which was immediately sent to them. This appraisal was prepared in XXXX XXXX. After no response from OCWEN, on XXXX XXXX, XXXX we contacted OCWEN who acknowledged receipt of appraisal but said there was no payoff request. The requested another copy of appraisal which I faxed to them immediately. On XXXX XXXX, XXXX, I called to verify that they had received appraisal and they confirmed that they had and they were preparing payoff requirements in 3 to 4 business days. After no payoff request, on XXXX XXXX, XXXX we followed up by phone with OCWEN who told us that appraisal was dated XX/XX/XXXX. After further conversation they admitted they had most recent appraisal but it was n't in color. We were asked to send another copy, right away and they would send payoff requirements within 24 hours. We immediately replied, sending another copy of the appraisal by email. On Friday, XXXX XXXX, XXXX we received a letter indicating that they need yet another 4 days to send payoff requirements. One annoying issue is that we ca n't get a central point of contact at OCWEN. We get name/id when we call but on follow up calls we can not get back to prior contact and when we ask for return calls we often fail to get them. Is there anything you can do to assist us in getting payoff requirements? XXXX XXXX
Company Response:
State: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2016-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have a complaint against my mortgage servicer Ocwen Loan Servicing Inc. I have an FHA home loan with them and I got behind on a payment. When I was able to pay past due amount I sent it and they sent it back refusing my payment stating that the amount was insufficient. The amount I owed then started from {$900.00} to what I owe now {$18000.00} and this amount has continued to grow. They have recorded a default on my loan and I feel strongly that they are trying to take my house. The bank will make money on the insurance that is on my loan if they foreclose on my house. They have repeatedly and I believe deliberately stalled on modifications of my home loan. I am seeking assistance from counseling agencies to help me keep my house.
Company Response:
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2016-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In its XXXX XXXX, XXXX response ( Ex. XXXX ) to my prior CFPB Case XXXX, Ocwen confirmed that the subject loan has been owned by American Home Mortgage Assets Trust XXXX ( " AHM Trust XXXX '' ) continuously from XXXX XXXX to the present, stating, " the Consolidated Note was never transferred out of the AHM Trust XXXX. '' Importantly, in later contradicting said statement in the same response, Ocwen nonetheless states that the loan is held by American Home Mortgage Servicing. In addition to be inconsistent with the initial response above, said response requires withdrawal of the inconsistent documents under Ocwen 's Consent Judgment with CFPB. A more complete explanation is set forth in the attached letter to CFPB General Counsel XXXX.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2016-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-08
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I filed for chapter XXXX Bankruptcy in XXXX and was discharged in XXXX XXXX the Mortgage with Ocwen was not included in the plan and was paid directly to Ocwen by me for the full mortgage contract payment. There was no modifications, no cram down no reduction in interest. Ocwen is reporting the loan as being discharged in the bankruptcy. Ocwen has failed to accurately report information to XXXX, XXXX and is not reporting at all to XXXX XXXX after my initial complaint in XXXX of XXXX. In Addition after the XXXX XXXX complaint Ocwen reported my loan as being included in a bankruptcy beginning XXXX XXXX. I have filed XXXX disputes with XXXX and XXXX as well as communicated my concerns directly to Ocwen. I have been denied credit based on the incorrect information in addition to the added cost of credit due to a lower score caused by this misrepresentation.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2016-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Loan # XXXX Complaint : Taxes paid from escrow account that were from another property owner for unsecured debt over 30 years old. Ocwen will not remove and cancels appt 's. Ocwen returned wire to reinstate loan 1 week after receiving. XXXX I was doing a loan Modification in XXXX and discovered that Ocwen had never paid my taxes on the XXXX parcel and it was going up for auction. After many calls trying to get anyone to understand this Ocwen finally paid the bill XXXX. I was assured by the relationship manager that when they finalized the modification the back taxes would be included. After analyzing my escrow account I realize that they not only did not include these amounts in the loan modification but that they paid some on else 's taxes. There were taxes paid that were from XXXX XXXX/XXXX/XXXX {$2000.00} on another borrower of the property that was unsecured. Ocwen keeps changing the payment amounts so I could not keep up with the payments as I am XXXX. Now I am trying to reinstate my loan and I can not come up with all this money that they are adding on my account. I have a reinstate on my statement amount of XXXX, XXXX XXXX/XXXX/XXXX Talked to Ocwen XXXX/XXXX/XXXX to try to get help with loan and was told that I had to pay all the old taxes to that were not mine. Received reinstatement amount on XXXX/XXXX/XXXX that says XXXX. I then did the research on amounts due and found all the escrow errors on my account. XXXX I called CA tax collector and got them to email the information regarding the taxes that were paid for someone else out of my escrow account. XXXX I emailed XXXX XXXX XXXXXXXXXXXX with all the information. I made an appt to talk to Ocwen XXXX, they never called, looked on computer and apt was deleted. I created another apt for XXXX/XXXX/XXXX, I checked for the apt XXXX and it was deleted again. I rescheduled again for XXXX/XXXX/XXXX and no call. XXXX I received letter from XXXX totally ignoring what I said about the taxes. XXXX I called the taxes department XXXX and talked to person id # XXXX and explained the whole issue. I was told they would research and call the tax collector I had talked to and I should hear back in 2 days. I heard nothing and I could not wait to talk to someone so I sent my statement with the amount due to reinstate, wired the XXXX on XXXX/XXXX/XXXX to Ocwen. As of XXXX/XXXX/XXXX the payment had not been credited to my acct. On XXXX/XXXX/XXXX the appt. to talk to the relationship manager was cancelled. I went back in the computer to reschedule again ( not XXXX/XXXX/XXXX ) and noted that I had paid the amount that was due on my statement. On XXXX/XXXX/XXXX the monies paid we suddenly returned to my bank account.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2016-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-08
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: TO WHOM IT MAY CONCERN XXXX AND XXXX XXXX WHO LIVES AT XXXX XXXX XXXX XXXX XXXX PA XXXX FELL ON HARDSHIP WITH OCWEN FEDERAL BANK IN 2010 WE WERE ONLY THREE MONTHS BEHIND WHEN WE CONTACTED OCWEN FEDERAL BANK TO HELP US CATCH UP ON OUR MORTGAGE. THEY SAID THAT WE WAS ELIGIBLE FOR IN HOUSR MODIFICATION LOAN WE FELL ON HARDSHIP BECAUSE THE CO SIGNER OF THE LOAN XXXX XXXX XXXX HAD PASSED AWAY AND XXXX XXXX XXXX AND LOST HIS JOB AND XXXX XXXX HAD XXXX SURGICAL PROCEDURES DONE ON HER. WHEN WE FILED FOR THE MODIFICATION LOAN, WE WERE DENIED BECAUSE THEY SAID THE INVESTORS DOES N'T DO MODIFICATION LOAN, AND THEY STOP TAKING MONEY FROM US FOR THE MORTGAGE.WE REQUEST FOR ANY INFORMATION ABOUT THE INVESTORS THAT IS HOLDIN On THE LOAN THEY SENT US A WRITTEN PAPER SAYING THAT ITS US BANK WE WROTE TO US BANK AND THEY TOLD US THAT IT WAS UP TO OCWEN TO GIVE US THE MODIFICATION LOAN. NOW THAT WE ARE 5 YEARS BEHIND NOW, AND OUR INTEREST RATE IS 13.5 % WE FILED FOR BANKRUPTCY A COUPLE OF TIMES AND THE MONEY THAT WAS PUT ON THERE, WAS SUPPOSED TO GO TO THE MORTGAGE AND THE TRUSTEES. WE ARE LIVING IN THIS HOME FOR 15 YEARS. AND I ASK THEM FOR A WRITTEN BREAKDOWN OF HOW MUCH WENT TO MY LOAN, THEY TOLD ME XXXX $ WENT TO THE LOAN AND XXXX $ WENT TO THE PRINCIPAL AND THE INTEREST RATE KEEPS GOING UP. THE LOAN THAT XXXX XXXX XXXX TOOK OUT WAS ONLY XXXX . NOW BEINGS THOUGH THAT THEY WAITED FOR US TO GET FAR BEHIND WE ARE NOW WORKING WITH A HOUSING COUNSEL AT THE XXXX HOUSE. HER NAME IS XXXX WE APPLIED FOR SEVERAL MODIFICATION LOANS AND THEY KEEP SAYING THEY CAN REFER US TO OTHER PROGRAMS THAT MIGHT HELP US TO BRING OUR LOAN CURRENT, AND THEY ALSO TOLD US TO PROBATE THE ESTATE AND WE COULD ASSUME THE LOAN. THEY HAVE NOT LET US YET TO ASSUME THE LOAN AND THEY WILL NOT GIVE US A MODIFICATION LOAN, NOW WE TRY TO APPLY FOR A HEMAP LOAN. THEY PUT OUR HOUSE UP FOR SHERIFF SALE 3 OR 4 TIMES AND THEN CANCEL THE SHERIFF SALE. EVERYTIME THEY DOES THIS IT COST US {$8500.00} NOW ITS GOING UP FOR SHERIFF SALE FORECLOSURE FOR XXXX XXXX. THEY GAVE US A RELATIONSHIP MANAGER TO SPEAK WITH AND HIS NAME IS XXXX WE ARE REALLY TRYING TO SAVE OUR HOME, AND HE SEND OUT ANOTHER MODIFICATION PACKAGE TO FILL OUT. NOW SINCE THEY WILL NOT HELP US WE HAVE AN OUTSTANDING BILL THEY SAY FOR {$86000.00} HALF OF THAT IS FORECLOSE COSTS ATTORNEY COSTS, AND I DONT THINK THAT ITS FAIR THAT WE CAN NOT GET A MODIFICATION LOAN WHEN US BANK AND OCWEN BANK DOES MODIFICATION LOAN THEY NEVER TOLD ME WHO THE INVESTORS ARE. WE SPOKE WITH THEIR ATTORNEY AND HER NAME XXXX XXXX AND SHE SAID ITS UP TO OCWEN TO GIVE US A MODIFICATION LOAN.WE NEVER HAD A MODIFICATION LOAN BEFORE. AND WE ARE ASKIN CAN YOU PLEASE HELP US WITH THIS MATTER SO WE CAN STAY IN OUR HOME. THANK YOU XXXX AND XXXX XXXX IF YOU HAVE ANY QUESTIONS YOU CAN CONTACT US AT XXXX XXXX XXXX THANK YOU
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2016-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No