Date Received: 2016-01-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The CFPB and XXXX States, including mine ( Utah ), brought an action against OCWEN and got OCWEN to agree ( XXXX XXXX ) to their {$2.00} XXXX penalty settlement, and their written promise to not perpetuate any court action against any home in which they had filed falsified ( robo-signed ) titles with the county recorders and the courts. OCWEN identified me and my home as one of the victims of their illegal action and paid me {$1100.00} in XXXX XXXX. In spite of that payment and their promises contained in their settlement, OCWEN hired their XXXX attorney in XX/XX/XXXX who perpetuated their fraud before both the local state district court and the federal court in Utah, and finally got me evicted from my home this past XXXX. This after me on my own legally battling them since XXXX XXXX against their illegal acts. They are now getting ready to perpetuate some more their crime against me and my home ( that sits deteriorating and vacant with their lock on it ) in the Utah XXXX XXXX XXXX - that is if they can find a lawyer stupid or crooked enough to take them on as a client ( they have gone thru XXXX lawyers so far ). What can the CFPB do to help me to enforce the settlement agreement that OCWEN is actively violating against me? The past XXXX Attorney Generals in Utah ( XXXX of which are currently awaiting trials for felony criminal charges themselves ) have denied in writing all my multiple requests to even investigate OCWEN, let alone prosecute them for their past, current and active felonies - felonies that stand as un-refutted in the record of my state court action. It appears OCWEN only got this far in their action against my house because of judges who do n't do their duty and ignore the evidence.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am XXXX after an on the job XXXX where I worked for the same company for 20 years. XXXX I have been jumping through hoops with Washington XXXX XXXX XXXX XXXX for 3 years now and so forced to live on 60 % of my former income while they decide my fate. My condo is being foreclosed on XXXX XXXX. I tried to do a short sale and was told I would qualify for the Making Home Affordable Program which would give me $ XXXX to relocate. I brought a buyer with a cash offer to the mortgage co, Ocwen, who had my first and 2nd mortgage. They accepted the buyers offer but they sold the 2nd mortgage to a private investor who will now not accept the offer made to them but wanted $ XXXX more. The buyer came up with $ XXXX more for the XXXX but then Ocwen said okay they got more now we want $ XXXX more which will put the price of the condo at more than the fair market value. Now they have told me because the XXXX mortgage holder is private, I do not qualify for the XXXX XXXX anymore and they will not accept the cash offer they originally said they would accept so they are forcing me to foreclosure. They will force me to be homeless rather than accept a buyer. I did not sell the loan to the private investor Ocwen did. The money would have helped me to find another place and pay first last and deposit. Now they wo n't accept the sale for a reasonable price and I do n't know what to do. Can you assist in any way?
Company Response:
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2016-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The mortgage we currently have with Ocwen is horrible. We have been making regular payments on time for the last 4 years and the loan amount is the SAME! How can that be? Every time I call them I get transferred several times and when I finally get to someone they state they have no record of the loan. So, where is my money going? And if there is no record of the loan ... then who am I paying? And are the embezzling the money? I have had mortgages before and the amount I owe tends to go down at some point. This is horrible and I ca n't seem to find anyone willing to help! Can you?
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2016-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage has been with Ocwen for approximately 15 months, and during that time all of my payments have been made in full and on time. In XXXX 2015 I received a check from Ocwen for {$1100.00}, without explanation. When I looked at my online account I saw that Ocwen estimated my property taxes to be {$550.00}. My taxes were due in XX/XX/XXXX and the actual amount due was {$1600.00}. So I realized Ocwen had miscalculated my taxes, resulting in an overage in my escrow account, and that is why I received this check. I made the first of many calls to Ocwen, wrote XXXX letters, and returned the check to the Escrow Department as directed by Ocwen 's Customer Care agents. I mailed the check on XXXX XXXX, 2015. The {$1100.00} has never been returned to my escrow account. I last spoke with an Ocwen Customer Care Supervisor, XXXX, # XXXX, who told me that she would " escalate '' an inquiry with Escrow Department and call me back when they had responded to her. I have not heard back from her. Two months is more than reasonable and adequate time for Ocwen to return my money. My phone calls to Ocwen Customer Care have been disregarded and not followed up. I want my {$1100.00} returned to my escrow account and I want to be credited with back interest from XXXX XXXX, 2015.
Company Response:
State: WA
Zip: 98277
Submitted Via: Web
Date Sent: 2016-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN Loan Servicing , LLC ( " OCWEN '' ) was given written notice of demand for a Beneficiary Statement pursuant to Cal. Civil Code 2943 ( a ) ( 1 ), ( 2 ) ( A ). Such notice was received by the Company by certified mail on or about XXXX XXXX, 2015 and was signed for by Company agent/employee. OCWEN has failed to comply with the beneficiary statement request. The full text of my complaints are in the attqached documents.
Company Response:
State: CA
Zip: 93101
Submitted Via: Web
Date Sent: 2016-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Until a few weeks ago, my primary residential mortgage loan was serviced by Ocwen. For approximately two years prior to refinancing in XXXX 2015, I had undertaking a plan to make a serious " dent '' in my mortgage loan balance. So, for two years, I made a series of " curtailment '' payments at various intervals, reducing my principal balance from approximately 112 % of my home value to about 75 %. One would think a loan servicer would welcome such a plan. Quite the contrary ; each curtailment payment was met with confusion, resulting in emails, letters and telephone calls exceeding XXXX communication exchanges. For example, each month I made my required minimum payment plus " a little extra '' ( e.g., if the minimum was {$1800.00} I would pay {$2300.00} on the XXXX of each month ). Then, each month, sometime around XXXX-month ( coinciding with my bi-monthly pay-checks from my employer ) I would make an " extra payment '' using BofA on-line billpay, labelling each payment as a " curtailment. '' For example, during 2015 these XXXX-month payments were usually {$4800.00} and typically paid on the XXXX of each month. Without fail, Ocwen would treat these XXXX-month payments as advances against the next month 's required payment. I would call and each time the telephone representative assured me that they had " fixed '' the problem and all of my XXXX-month payments would be logged in as curtailments in the future. The next month would come, with statements trickling in about two weeks after my check was cashed ( even the online portal was 7-10 days behind posting payments ) and, lo and behold, I would discover that Ocwen had failed to post the XXXX- month curtailment correctly, yet again - oy vay. That is, my XXXX-month payment was treated as a payment against the following two months ' required payments, thus making my XXXXmonth payment post as a payment held in trust for three months hence. In other words, Ocwen held these funds " in trust '' but did not reduce my principal balance. Thus, I would write an email via their online system and make telephone calls until the situation was corrected, the interest charges changed, and the XXXX corrected to the amount computed by my handy XXXX spreadsheet ( thank goodness for XXXX ). You might think, " well, that 's the way it goes. '' Well, here is how it went : Ocwen received my bill-pay, did not take note of the memo ( or the email or the historical record of requests asking that all XXXX-month payments be treated as curtailments ), entered the amount wrong and set me on a course of making countless emails and phone calls, wasting at least XXXX hours of my time over the past two years. But, that is not even the whole story. To add insult, the loan servicing department would often charge my account with a {$5.00} " transcript fee '' as though I had called to request a transcript for my benefit. In turn, I then had to write more letters, emails and make more telephone calls to get these transcript fees removed, explaining each time that any transcripts " pulled '' were not by my request but by their own posting errors and that I should not be required to pay {$5.00} to right their wrongs. Eventually they 'd give in, but not without my having sweated it out each month. The only image I could fathom with respect to the people on the other end of these emails and phone calls was the XXXX XXXX - the XXXX XXXX outsourced version of course, but XXXX XXXX nonetheless. As a tax advisor to banks and mortgage loan servicers across the country, I can appreciate the massive investment in technology that is required to service a residential mortgage loan portfolio - it is not easy. And that is why Ocwen should stop. If someone as informed on accounting and law as myself has this much trouble dealing with them, I can not imagine what the average person must experience. They simply do not have the infrastructure.
Company Response:
State: AZ
Zip: 85021
Submitted Via: Web
Date Sent: 2015-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dear Sir/Madam : We are now facing foreclosure process from our home mortgage lender as of XX/XX/2015. Our home equity loan with " OCWEN '' has matured as of XX/XX/XXXX, and full-payment of $ XXXX is now due. I was only notified by Ocwen over a phone call, after the maturity date. No monthly statements was sent to us prior to the maturity date, ( see exhibit # XXXX : of last mail received to the correct address ). Ocwen said, it was because we did not give them the correct mailing address. During that time, I was told I could ask for a modification on our loan. So immediately I had provided full supporting documents & applications to Ocwen. It took Ocwen about 1 1/2 month later, on XX/XX/2015, just to deny our application. The reason for denying, is that the loan has already matured. But why would they have me go through this process, when they knew it will not get approved. But during this period of time, I was also working diligently with a mortgage financing company to get a 30 years fixed loan approval and pay of Ocwen. But we encounter an error on our credit report, that must be addressed prior to getting the loan approved. Now we are waiting for it to get updated on the XXXX credit bureaus. While I was getting a new credit report, I discovered that Ocwen had already submitted to our credit reporting that we were late on our payment. Technically we are still making payments to Ocwen, but they returned 2 of our last monthly payments. It 's not late, we did not miss any periods, the loan is matured. The new lending now tells me that there is nothing they can do to get us approved, and no other banks will approve us neither, due to this late payment reporting. we can not even sell our property, because Ocwen will put a lean on our title. Now we are faced with losing our home. I have faxed Ocwen to ask for postponement of the late reporting just so we can get approved, but I have very little confidence Ocwen will help. I suspect they just want to take our house. Please help us, we are desperate for help. We have never missed a payment.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2016-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is yet another complaint against Ocwen, XXXX XXXX XXXX XXXX and the law firm of XXXX XXXX XXXX. Because of Ocwen 's unwillingness to settle this issue and demand a refund from my XXXX. for money Ocwen illegally paid my XXXX. XXXX XXXX XXXX XXXX. from a bogus and possible illegal invoice from XXXX XXXX XXXX XXXX. - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. has foreclosed on my condo. The sale of which is to take place on XXXX XXXX, 2016. This needs to be stopped. My lawsuit against Ocwen, XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX has not even been tried yet. Again, I believe that they are all in collusion together. I also believe that XXXX & XXXX XXXX be miss reprsenting the XXXX. This has got to be stopped.
Company Response:
State: MO
Zip: 63011
Submitted Via: Web
Date Sent: 2015-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX I took out a mortgage on my home $ XXXX the first few months it was transferred several times until it was acquired by XXXX and I made my payments to them until XXXX XXXX when they returned my last payment and informed me that it was now being handled by Ocwen Loan service and that I would be receiving information from them very shortly where to make the payment. After waiting a couple weeks and not hear from them I contacted XXXX because I started receiving letters for nonpayments and threats of foreclosure. In XXXX XXXX I asked my principal balance it was {$130000.00}. So I contacted Ocwen to be informed it was not all in their system and I would be contacted as soon as everything was transferred. Several weeks later I contacted Ocwen again at that time ask my principal balance. In XXXX XXXX they sent me a payoff quote of XXXX I immediately started disputing it. That is when my nightmare began. On XXXX/XXXX/XXXX I made a payment of $ XXXX Ocwen by wire transfer. In XXXX I made payments in a total of {$22000.00}. Still fighting with them. In XXXX I received a letter of foreclosure. Tired of the fight I Wired {$5000.00} to Ocwen. Thinking everything was done I waited for my releasably of lien to my surprise instead I was served paper on forclosure had to hire lawyers and go to court on our court dated my Lawer provided theirs with all pymt proof, insurance, tax reciepts, and a letter from a CPA stating as of XXXX XXXX Ocwen had been overpaid {$3000.00} so we did n't go to court. A week later my attorney received a letter from their attorney informing him that he was withdrawing from the case because even with all the reciepts and letter Ocwen want to continue with foreclosure. And again I was served papers by a different attorney foreclosing. I met with my attorney that day we decided to contact their attorney settle then file suit for the money over paid and the settlement amount. This was XXXX XXXX he sent their attorney a cashier 's check for the amount of {$3100.00} Again I thought it was over. But I continue to receive letters instead of the release of lien so in XXXX of XXXX I had to stop payment on the cashiers check and have a new one issued because when my attorney spoke with Ocwen he was told ( it 's somewhere did n't know where ) and I had to sign a new payoff Affidavit that stated I was not going to try to recover funds in the suspended account or any overages that I my have paid and could n't make any derogative remarks about Ocwen. Finally on XXXX XXXX I received a letter of satisfaction. ( recovery, release / discharge ).
Company Response:
State: TX
Zip: 764XX
Submitted Via: Web
Date Sent: 2015-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I lost my job in XXXX of XXXX with a last day worked of XXXX/XXXX/XXXX. I notified my mortgage company ( Ocwen Loan Servicing Inc ) of this occurrence and was told that they would modify my loan to help me out. I provided all requested information in XXXX XXXX. Upon responding via notified application, I was told that it was a forbearance vs a modification. At this point, my assigned Relationship manager stopped being available to meet with me. I was told by another agent that the forbearance would be in effect for 1 year ( ending XXXX XXXX, XXXX ) and that the interest would be put on the end of my mortgage and be re-evaluated at that time. Nothing has gone as they stated with this company since I was unable to make the original mortgage payment. I made each specified payment including a full payment which was gifted to me in XXXX of XXXX. Ocwen began calling & harassing me before the Forbearance ended AND they returned my XXXX payment of {$280.00}. In XXXX of XXXX, I had to undergo XXXX XXXX for the removal of XXXX and was unable to work, therefore unable to collect unemployment. When I began further discussions with Ocwen, they informed me that I had defaulted on my loan. I had an attorney appointed to me through the support of the XXXX ( XXXX XXXX XXXX for XXXX ) organization who provided them with letters as well as my physician of my inability to work. I completed a modification application with them in XXXX of XXXX. Still no sign of my assigned Relationship Manager. At this point, Ocwen began schedule meetings with me every 2-4 weeks to discuss the progress of my application. There was ALWAYS something missing or more information was needed. I have only spoken with my assigned Relationship Manager XXXX time in XXXX XXXX which I was accompanied by a mortgage counselor. I have provided every request on my income as well as physical status to them. I speak with a different Relationship Manager each time. I have met with Ocwen via scheduled conference calls XXXX times since XXXX. They requested an updated application after telling me several times that they had everything they needed. I complied even after telling me on XXXX that the latest documents had been received, my applicaiton was under review and that an answer would be provided during the next meeting on XXXX. In spite of undergoing medical treatments every 6 weeks, I have met every request and only missed XXXX meeting due to a medical ER. Ocwen came back on XXXX and told me that my application was missing parts and that I had to re-submit. We requested to speak with a manager. The manager informed us that the application had expired & I sent in updated dates to them along with a 'Profit/Loss ' statement of income which had already been sent to them on XXXX, XXXX, XXXX & XXXX. Ocwen then came back and requested a copy of my XXXX income tax. I explained that I had not filed for XXXX as XXXX had not yet ended and they asked for the latest on XXXX. I complied. Ocwen has still not completed my modification application and on XXXX requested a 'Statement of Wage Income ' letter. Ocwen continues to send me letters of default & call me along with other attorneys & collection agencies even though they KNOW I am working to modify. They are constantly requesting the same information but in a different format. I do not believe they are genuine about helping me keep my home. Their is a tremendous language barrier as I have only spoken with XXXX representatives who speaks clear XXXX. Each time I request my assigned relationship manager, they state to me that I am refusing the call and requesting a new call. NOTHING I have done has been good enough and I truly fear that I may lose my home because of they way they do business.
Company Response:
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2015-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No